Annuities are typically the most misunderstood financial product. They can provide lifetime income, principal protection, and an alternative to other investments. Learn the basics of how annuities work, their phases, the different types, including pros and cons, tax treatment, and when it’s appropriate to use one.

Learning Objectives:

Recall a general overview of annuities
Identify essential information to provide an understanding of the differences of who may or may not be a fit for an annuity

Americans are living longer, just one of seven major risks that can erode or even eliminate retirement saving completely. Find out what other risks are impacting your clients’ retirement, and how you can tailor your advisement to compensate.

Someone turning age 65 today has almost a 70% possibility of using some type of long-term care service for their remaining years, but the duration varies for each person. As long-term care costs continue to increase on an average of 3%-5%, your clients need guidance in order to mitigate this leading retirement risk.

Although the biggest payor of long-term care is currently Medicaid, it’s a much more complex process to qualify for benefits depending on which state your clients live in. Through pre-planning, they can transition much sooner than dealing with the “spend-down” and “look-back” period as well as a myriad of other complexities including taxes. The Pension Protection Act of 2006 allows certain policies to possess tax-free opportunities through a strategic 1035 exchange.

Join this webinar to understand the options so you can help your clients uniquely fund their long-term care plans without having to exhaust all of their financial resources.

Learning Objectives:

List all the types of policies, including traditional long-term care insurance, “hybrid” life insurance policies with a long-term care rider (asset-based vs. linked-benefit), long-term care annuities, and chronic illness policies

Determine the pairing of a long-term care report with a solution

Give examples of tax deductions for individuals and business owners

Evaluate how to help clients qualify for expensive nursing home costs without denials and penalty periods

According to FINRA, there are 43 types of investment licenses and 214 designations. Although financial advisors should be transparent professionals always looking out for their client’s best interests at all times, several misrepresent their credentials, use phony titles, and misstate facts just to sell investment products. Some aren’t properly licensed, and others hide secrets that can be costly to your clients.

Basic Course Information
Learning Objectives
This webinar will help you have a better understanding on how financial advisors are compensated, and the differences between licenses, including Registered Investment Advisors (or “RIAs”), investment advisors, registered representatives, stockbrokers, and insurance agents.

Major Subjects
Identify the different types of licenses
Distinguish terms used, titles, and designations
Recognize compensation methods (e.g. fees, commissions, revenue sharing, bonuses, and proprietary investments)
Determine the fiduciary vs. suitability standard
How to lookup a financial advisor (e.g. background, complaints, and fines)
The types of forms to request in order to determine conflicts of interest
List of questions to ask a financial advisor

According to FINRA, there are 43 types of investment licenses and 214 designations. Although financial advisors should be transparent professionals always looking out for their client’s best interests at all times, several misrepresent their credentials, use phony titles, and misstate facts just to sell investment products. Some aren’t properly licensed, and others hide secrets that can be costly to your clients.

Basic Course Information
Learning Objectives
This webinar will help you have a better understanding on how financial advisors are compensated, and the differences between licenses, including Registered Investment Advisors (or “RIAs”), investment advisors, registered representatives, stockbrokers, and insurance agents.

Major Subjects
Identify the different types of licenses
Distinguish terms used, titles, and designations
Recognize compensation methods (e.g. fees, commissions, revenue sharing, bonuses, and proprietary investments)
Determine the fiduciary vs. suitability standard
How to lookup a financial advisor (e.g. background, complaints, and fines)
The types of forms to request in order to determine conflicts of interest
List of questions to ask a financial advisor

According to FINRA, there are 43 types of investment licenses and 214 designations. Although financial advisors should be transparent professionals always looking out for their client’s best interests at all times, several misrepresent their credentials, use phony titles, and misstate facts just to sell investment products. Some aren’t properly licensed, and others hide secrets that can be costly to your clients.

Basic Course Information
Learning Objectives
This webinar will help you have a better understanding on how financial advisors are compensated, and the differences between licenses, including Registered Investment Advisors (or “RIAs”), investment advisors, registered representatives, stockbrokers, and insurance agents.

Major Subjects
Identify the different types of licenses
Distinguish terms used, titles, and designations
Recognize compensation methods (e.g. fees, commissions, revenue sharing, bonuses, and proprietary investments)
Determine the fiduciary vs. suitability standard
How to lookup a financial advisor (e.g. background, complaints, and fines)
The types of forms to request in order to determine conflicts of interest
List of questions to ask a financial advisor

According to FINRA, there are 43 types of investment licenses and 214 designations. Although financial advisors should be transparent professionals always looking out for their client’s best interests at all times, several misrepresent their credentials, use phony titles, and misstate facts just to sell investment products. Some aren’t properly licensed, and others hide secrets that can be costly to your clients.

Basic Course Information
Learning Objectives
This webinar will help you have a better understanding on how financial advisors are compensated, and the differences between licenses, including Registered Investment Advisors (or “RIAs”), investment advisors, registered representatives, stockbrokers, and insurance agents.

Major Subjects
Identify the different types of licenses
Distinguish terms used, titles, and designations
Recognize compensation methods (e.g. fees, commissions, revenue sharing, bonuses, and proprietary investments)
Determine the fiduciary vs. suitability standard
How to lookup a financial advisor (e.g. background, complaints, and fines)
The types of forms to request in order to determine conflicts of interest
List of questions to ask a financial advisor

According to FINRA, there are 43 types of investment licenses and 214 designations. Although financial advisors should be transparent professionals always looking out for their client’s best interests at all times, several misrepresent their credentials, use phony titles, and misstate facts just to sell investment products. Some aren’t properly licensed, and others hide secrets that can be costly to your clients.

Basic Course Information
Learning Objectives
This webinar will help you have a better understanding on how financial advisors are compensated, and the differences between licenses, including Registered Investment Advisors (or “RIAs”), investment advisors, registered representatives, stockbrokers, and insurance agents.

Major Subjects
Identify the different types of licenses
Distinguish terms used, titles, and designations
Recognize compensation methods (e.g. fees, commissions, revenue sharing, bonuses, and proprietary investments)
Determine the fiduciary vs. suitability standard
How to lookup a financial advisor (e.g. background, complaints, and fines)
The types of forms to request in order to determine conflicts of interest
List of questions to ask a financial advisor

According to FINRA, there are 43 types of investment licenses and 214 designations. Although financial advisors should be transparent professionals always looking out for their client’s best interests at all times, several misrepresent their credentials, use phony titles, and misstate facts just to sell investment products. Some aren’t properly licensed, and others hide secrets that can be costly to your clients.

Basic Course Information
Learning Objectives
This webinar will help you have a better understanding on how financial advisors are compensated, and the differences between licenses, including Registered Investment Advisors (or “RIAs”), investment advisors, registered representatives, stockbrokers, and insurance agents.

Major Subjects
Identify the different types of licenses
Distinguish terms used, titles, and designations
Recognize compensation methods (e.g. fees, commissions, revenue sharing, bonuses, and proprietary investments)
Determine the fiduciary vs. suitability standard
How to lookup a financial advisor (e.g. background, complaints, and fines)
The types of forms to request in order to determine conflicts of interest
List of questions to ask a financial advisor

According to FINRA, there are 43 types of investment licenses and 214 designations. Although financial advisors should be transparent professionals always looking out for their client’s best interests at all times, several misrepresent their credentials, use phony titles, and misstate facts just to sell investment products. Some aren’t properly licensed, and others hide secrets that can be costly to your clients.

Basic Course Information
Learning Objectives
This webinar will help you have a better understanding on how financial advisors are compensated, and the differences between licenses, including Registered Investment Advisors (or “RIAs”), investment advisors, registered representatives, stockbrokers, and insurance agents.

Major Subjects
Identify the different types of licenses
Distinguish terms used, titles, and designations
Recognize compensation methods (e.g. fees, commissions, revenue sharing, bonuses, and proprietary investments)
Determine the fiduciary vs. suitability standard
How to lookup a financial advisor (e.g. background, complaints, and fines)
The types of forms to request in order to determine conflicts of interest
List of questions to ask a financial advisor

The Setting Every Community Up for Retirement Enhancement (SECURE) Act went into effect on January 1, 2020, effectively eliminating the ability to be “stretch” IRAs going forward, although certain individuals still can. These changes will impact how your clients transfer wealth to their beneficiaries and points out flaws in their existing plans as any previous advice given should be invalidated. Help assist your clients through misconceptions, incorrect information, and outdated planning techniques. Also, if your clients have IRA trusts, they will be affected the most and need professionals to guide them to better solutions.

Learning Objectives:

Overview of the SECURE Act including:
401(k)s for part-time employees
IRA contributions for graduate students
Penalty-free withdrawals for student loan debt and birth or adoption
More access to annuities in 401(k) plans
Deductible IRA contribution age limits eliminated
Required minimum distributions (or “RMDs”) increased to age 72
Semi-elimination of the “Stretch” IRA
Payout options for beneficiaries before and after the SECURE Act
SECURE Act 2.0
Overview of the CARES Act
Tax consequences and asset protection
Learn how to help clients pass assets efficiently

As we’ve entered the Biden administration recently, some Americans might soon see differences in saving for retirement, increase in tax rates, and different strategies minimized or diminished. Planning for these potential changes is more crucial than ever.

Some of the proposed changes include benefits for defined contribution plans, increasing Social Security payroll tax, and increasing taxes for individuals earning more than $400,000. Attendees will learn what those proposals look like and it will affect their clients.

Learning Objectives:

Overview of the Biden tax plan according to his website and throughout his campaigning
Changes to the Tax Cuts and Jobs Act
Social Security and Estate taxes
Securing a Strong Retirement Act of 2020 (or “SECURE Act 2.0”)
Strategies to use with your clients going forward

The Setting Every Community Up for Retirement Enhancement (or “SECURE”) Act went into effect on January 1, 2020. The most critical aspect of this law is how retirement accounts lost the ability to be “stretched,” although there are certain individuals that still qualify. These changes will impact how your clients transfer wealth to their beneficiaries and allows them to revisit their existing plans as any previous advice given is probably invalid. Get equipped with the changes to assist your clients through misconceptions, incorrect information, and outdated planning techniques. Clients with IRA trusts will be affected the most and need professionals to guide them to better solutions.

Learning Objectives:

Overview of the SECURE Act including:
401(k)s for part-time employees
IRA contributions for graduate students
Penalty-free withdrawals for student loan debt and birth or adoption
More access to annuities in 401(k) plans
Deductible IRA contribution age limits eliminated
Required minimum distributions (or “RMDs”) increased to age 72
Semi-elimination of the “Stretch” IRA

Payout options for beneficiaries before and after the SECURE Act
Overview of the CARES Act
Tax consequences and asset protection
Learn how to help clients pass assets efficiently

A financial advisor should be a trusted individual who has complete transparency and who looks out for their client’s best interests at all times. That said, many in this field are known for misrepresenting their credentials, using phony titles, or misstating facts to sell products. There’s even a chance they’re not licensed, or at best, barely qualified to give accurate advice. There are even some secrets that a financial advisor may not want you to be aware of, which can be costly to your clients in the long run.

With so much confusing terminology, such as Registered Investment Advisors (or “RIAs”), investment advisors, registered representatives, stockbrokers, and insurance agents, this webinar aims to teach the difference between all the different types of financial advisors and how they are compensated.

Learning Objectives:

Identify the different types of licenses
Identify terms, titles, and designations
Define compensation structures such as fees, commissions, revenue sharing, and proprietary investments
Determine the fiduciary vs. suitability standard
Determine how to lookup a financial advisor
List questions to ask a financial advisor

The SECURE Act went into effect on January 1, 2020; the CARES Act was signed into law on March 27, 2020. Both received bipartisan support. It is critical to understand how the changes from these acts will impact your clients’ retirements and estate plans going forward and the opportunities available. Any previous advice given is most likely outdated. You’ll need to be equipped with the right knowledge to have better control as you navigate clients through misconceptions or incorrect information. Those with IRA trusts will be significantly affected and need to plan as soon as possible before the unexpected happens.

Learning Objectives:

Recall the SECURE and CARES Acts
List the critical considerations of the SECURE Act, including
401(k)s for part-time employees
IRA contributions for graduate students
Penalty-free withdrawals for student loan debt
Penalty-free withdrawals for birth or adoption
Annuities in 401(k) plans
IRA contribution age limits eliminated
Required minimum distributions (RMDs) increased to age 72
Elimination of the “Stretch” IRA
Identify payout options for beneficiaries before December 31, 2019, and after January 1, 2020

List the key considerations of the CARES Act, including:
RMDs waived for 2020
Unlimited deduction for charitable planning
Exceptions to 10% penalty up to $100,000
PPP and EIDL loans/advances

Determine the tax ramifications and how asset protection will be vital going forward
Determine planning opportunities to pass assets efficiently

According to AARP, 52% of people who turn 65 today will develop a severe disability that will require long-term care at some point in retirement. Traditional options have been derided as insufficient, and terms are continually shifting. Most people nearing retirement are unsure of their choices. While there are a few different alternatives to traditional long-term care insurance — including life insurance and annuity long-term care riders — not all are structured the same.

Not understanding the crucial differences can mean you are leading your clients into making a costly mistake. Join this informative webinar to clarify the essential nuances, opportunities, and pitfalls that can make all the difference for your clients.

Learning Objectives:

Identify traditional options for long-term care
Determine the alternatives to traditional long-term care insurance
Determine the major differences between popular plans

Certain features of annuity contracts are typically oversold, and the financial advisors or insurance agents selling them might be less knowledgeable about how these products work.

Learn about the crediting strategies, choosing the right income rider, deciphering bonuses given by insurance companies, the difference between accumulation and income account values, “stretching” an annuity, and how a Market Value Adjustment (MVA) can be advantageous.

Learning Objectives:

Identify components of annuity contracts, including crediting strategies, bonuses, and income riders
Recognize the differences between fees and spreads
Identify minimum guaranteed contract values and surrender charges
Determine overview exit strategies and 1035 exchanges

Buying an annuity can be overwhelming, especially when having to decipher lots of misinformation. As news outlets and media try to persuade your clients with terms such as “best” or “top,” they need to understand that annuity interest rates and features are constantly evolving. According to LIMRA, sales have increased and will continue to rise, especially for retirees or those approaching retirement looking for alternatives to bonds and other income investments.

Insurance companies structure annuities to be profitable but also structure products to bring benefits to your clients. Mistakes are costly, but they can also be avoided if clients can bypass the most common ones, which will help them have a better buying experience. The process of purchasing an annuity includes a financial advisor that isn’t captive to a particular insurance company, broker-dealer, bank, or other institution with access to a limited number of products. Also, working with an advisor who takes the time to explain all the pros and cons of the annuity they choose is as important.

Join this webinar to understand the options to help your clients find the right annuity without having to fall victim to sales and marketing tactics.

Learning Objectives:

Name common mistakes including myths and misinformation with annuities

Determine how to search for annuities while avoiding sales jargon

State how to properly read an illustration and what to look for with “back-testing”

Define contract structure, ownership options, and other pitfalls

List how to reduce (or eliminate) Social Security tax, Medicare Part B premiums, and other taxes in retirement

Summarize how to help clients lower fees, increase performance, and have a greater overall value

With Joe Biden as the 46th President of the United States, the American public may soon see a new direction in retirement savings. Now more than ever, it is essential to start planning for these potential changes.

The proposed changes include improved tax benefits for defined contribution plans and increasing Social Security payroll tax for individuals earning more than $400,000. In this webinar, attendees will learn what those proposals look like and how they’ll affect your clients in 2021 and beyond.

Learning Objectives:

Identify new proposals to the current system
Recognize planning opportunities for 2021 and beyond

According to LIMRA, 59% of Americans have life insurance. With so many different types of policies available, it’s often another misunderstood financial product. Life insurance can be used as a death benefit, supplemental income in retirement, and long-term care. Learn the basics of how life insurance is sold, the types of policies, components, reasons to purchase, and tax treatment.

Learning Objectives:

Recall a general overview of life insurance
Identify necessary information to provide an understanding of the differences of who may or may not be a fit for life insurance

According to the U.S. Department of Health and Human Services, 70% of people over 65 will need long-term care at some point in their lives. The worst part is that many will not (or do not want) to discuss the need to plan until it is possibly too late. The good news is that you have many options, but you might need to get a little creative.

Join this webinar to understand the options you can help your clients with to fund long-term care. Learn from real-world examples to gain clarity on expenses, life insurance limitations, and many other common challenges.

Learning Objectives:

Determine the best way to plan for long-term care
Identify the best options for long term care for your clients
Identify the best options for funding long-term care

Annuities are typically the most misunderstood financial product. They can provide lifetime income, principal protection, and an alternative to other investments. Learn the basics of how annuities work, their phases, the different types, including pros and cons, tax treatment, and when it’s appropriate to use one.

Learning Objectives:

Recall a general overview of annuities
Identify essential information to provide an understanding of the differences of who may or may not be a fit for an annuity

A financial advisor should be a trusted individual who has complete transparency and who looks out for their client’s best interests at all times. That said, many in this field are known for misrepresenting their credentials, using phony titles, or misstating facts to sell products. There’s even a chance they’re not licensed, or at best, barely qualified to give accurate advice. There are even some secrets that a financial advisor may not want you to be aware of, which can be costly to your clients in the long run.

With so much confusing terminology, such as Registered Investment Advisors (or “RIAs”), investment advisors, registered representatives, stockbrokers, and insurance agents, this webinar aims to teach the difference between all the different types of financial advisors and how they are compensated.

Learning Objectives:

Identify the different types of licenses
Identify terms, titles, and designations
Define compensation structures such as fees, commissions, revenue sharing, and proprietary investments
Determine the fiduciary vs. suitability standard
Determine how to lookup a financial advisor
List questions to ask a financial advisor

According to AARP, 52% of people who turn 65 today will develop a severe disability that will require long-term care at some point in retirement. Traditional options have been derided as insufficient, and terms are continually shifting. Most people nearing retirement are unsure of their choices. While there are a few different alternatives to traditional long-term care insurance — including life insurance and annuity long-term care riders — not all are structured the same.

Not understanding the crucial differences can mean you are leading your clients into making a costly mistake. Join this informative webinar to clarify the essential nuances, opportunities, and pitfalls that can make all the difference for your clients.

Learning Objectives:

Identify traditional options for long-term care
Determine the alternatives to traditional long-term care insurance
Determine the major differences between popular plans

Certain features of annuity contracts are typically oversold, and the financial advisors or insurance agents selling them might be less knowledgeable about how these products work.

Learn about the crediting strategies, choosing the right income rider, deciphering bonuses given by insurance companies, the difference between accumulation and income account values, “stretching” an annuity, and how a Market Value Adjustment (MVA) can be advantageous.

Learning Objectives:

Identify components of annuity contracts, including crediting strategies, bonuses, and income riders
Recognize the differences between fees and spreads
Identify minimum guaranteed contract values and surrender charges
Determine overview exit strategies and 1035 exchanges

The SECURE Act went into effect on January 1, 2020; the CARES Act was signed into law on March 27, 2020. Both received bipartisan support. It is critical to understand how the changes from these acts will impact your clients’ retirements and estate plans going forward and the opportunities available. Any previous advice given is most likely outdated. You’ll need to be equipped with the right knowledge to have better control as you navigate clients through misconceptions or incorrect information. Those with IRA trusts will be significantly affected and need to plan as soon as possible before the unexpected happens.

Learning Objectives:

Recall the SECURE and CARES Acts
List the critical considerations of the SECURE Act, including
401(k)s for part-time employees
IRA contributions for graduate students
Penalty-free withdrawals for student loan debt
Penalty-free withdrawals for birth or adoption
Annuities in 401(k) plans
IRA contribution age limits eliminated
Required minimum distributions (RMDs) increased to age 72
Elimination of the “Stretch” IRA
Identify payout options for beneficiaries before December 31, 2019, and after January 1, 2020

List the key considerations of the CARES Act, including:
RMDs waived for 2020
Unlimited deduction for charitable planning
Exceptions to 10% penalty up to $100,000
PPP and EIDL loans/advances

Determine the tax ramifications and how asset protection will be vital going forward
Determine planning opportunities to pass assets efficiently

According to the U.S. Department of Health and Human Services, 70% of people over 65 will need long-term care at some point in their lives. The worst part is that many will not (or do not want) to discuss the need to plan until it is possibly too late. The good news is that you have many options, but you might need to get a little creative.

Join this webinar to understand the options you can help your clients with to fund long-term care. Learn from real-world examples to gain clarity on expenses, life insurance limitations, and many other common challenges.

Learning Objectives:

Determine the best way to plan for long-term care
Identify the best options for long term care for your clients
Identify the best options for funding long-term care

Course Description

With Joe Biden as the 46th President of the United States, the American public may soon see a new direction in retirement savings. Now more than ever, it is essential to start planning for these potential changes.

The proposed changes include improved tax benefits for defined contribution plans and increasing Social Security payroll tax for individuals earning more than $400,000. In this webinar, attendees will learn what those proposals look like and how they’ll affect your clients in 2021 and beyond.

Learning Objectives:

Identify new proposals to the current system
Recognize planning opportunities for 2021 and beyond

Annuities are typically the most misunderstood financial product. They can provide lifetime income, principal protection, and an alternative to other investments. Learn the basics of how annuities work, their phases, the different types, including pros and cons, tax treatment, and when it’s appropriate to use one.

Learning Objectives:

Recall a general overview of annuities
Identify essential information to provide an understanding of the differences of who may or may not be a fit for an annuity

According to LIMRA, 59% of Americans have life insurance. With so many different types of policies available, it’s often another misunderstood financial product. Life insurance can be used as a death benefit, supplemental income in retirement, and long-term care. Learn the basics of how life insurance is sold, the types of policies, components, reasons to purchase, and tax treatment.

Learning Objectives:

Recall a general overview of life insurance
Identify necessary information to provide an understanding of the differences of who may or may not be a fit for life insurance

With Joe Biden as the 46th President of the United States, the American public may soon see a new direction in retirement savings. Now more than ever, it is essential to start planning for these potential changes.

The proposed changes include improved tax benefits for defined contribution plans and increasing Social Security payroll tax for individuals earning more than $400,000. In this webinar, attendees will learn what those proposals look like and how they’ll affect your clients in 2021 and beyond.

Learning Objectives:

Identify new proposals to the current system
Recognize planning opportunities for 2021 and beyond

Is your business ready for the 2021 tax season? Carlos Dias Jr., financial adviser, and tax expert shares everything you need to know to take advantage of Biden tax benefits.

Key Takeaways:

Tax changes to expect from the Biden administration
What to consider for the 2021 fiscal year
Deductions your business might be missing

Learn what you need to know to take control of your finances. From what questions to ask an investment advisor to the difference between some important financial terms, this conversation will have you feeling empowered and ready to take the lead in your finances.

You’ll learn:

The basics of finances, and clarifying financial terms.
How to better understand the relationship with your financial advisor.
What tools you can use to empower yourself and take control of your financial plans.

Frugal Fundamentals is a virtual workshop series that provides you with the information and resources to help you succeed outside of sport. Each theme is specifically catered to help serve athletes and their overall financial and foundational playbooks.

In this workshop, we discuss the basics of managing your money. We chatted with Carlos Dias Jr, founder of MVP Wealth and contributor to Forbes and other platforms teaching valuable advice on wealth and money management.