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Hosted by FPA Connecticut

33rd Annual FPA of Connecticut State Conference

Welcome to the largest Financial Planning Conference in Connecticut!    This conference is about the future of Financial Planning and the resources that you will need to survive and flourish.   We have assembled the most current and interesting topics and speakers to provide you with insight and effective strategies.   Most sessions have CE credit, including CFP, CT State Insurance and PACE (check announcements on each session carefully for CE eligibility).   In addition, our sponsors and exhibitors will be able to show you the latest ideas in investments, practice management, and insurance concepts in the Resource Center Information on Sponsorships .
 
Register today with the Pay Now buttons to the right, or if you are paying by check, click here for a printable registration form.
 
 
  

 
2017 Platinum Sponsors:

 
 

Wednesday, April 26, 2017
7:15 AM - 5:00 PM Eastern Time

Location

Aqua Turf Club
556 Mulberry St
Plantsville   CT   06479
(860)621-9335
FAX    (860)276-9966
Email for Location
Website for Location
Map for Location



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Member Early Bird Fee through March 16, 2017 EXTRA SNOW DAY EXTENSION $129.00
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Non Member Early Bird Fee through March 16, 2017 SNOW DAY EXTENSION $199.00
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Member Next Gen (35 and under) Fee

Non Member Next Gen (35 and under) Fee

Member Preregistered Fee March 17 - April 20, 2017 $179.00
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Non Member Preregistered Fee March 17 - April 20, 2017 $249.00
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Member Late Registration Fee April 21 - April 26, 2017

Non Member Late Registration Fee April 21 - April 26, 2017

Agenda

 


Ron VanWinkle
Town Manager, Trained and Educated Economist
Town of West Hartford

Apr 26 2017 8:00AM


Breakfast Keynote - Searching for Clarity in Uncertain Times, Speaker Ron Van Winkle


As I write this in early 2017, I consider the growing strength of the American economy and the uncertainty for the future. In 2016 financial markets were at record highs, the nation’s economy continued on its long, now eight years, period of steady growth, unemployment has fallen to low levels and skilled labor is in short supply, and home prices have risen to record levels, all is good. But wait, monetary policy is expected to tighten, both the economic recovery and the markets are long in the tooth, the S&P 500 is trading at 26 times earnings, Britain is leaving the European union, there is talk of trade wars, shifting demographics are affecting all markets and political uncertain has perhaps never been higher. Let’s drop the rhetoric and forget the tweets and the spin and look at the numbers. Is it “the best of times or worst of times.”



Joena Russell
Regional Director
Jefferson National Financial

Apr 26 2017 9:25AM


Addressing the Great Wealth Transfer


The greatest transfer of wealth in history is predicted to take place over the next 3-4 decades. Studies show that advisors need the right tools to adapt and retain assets as wealth is transferred from clients to their heirs. Traditional wealth transfer vehicles like trusts can be so heavily taxed that those hard-earned assets may accumulate slower, making it more difficult to build a lasting legacy. Please join us to learn how an IOVA can address the “Greater Wealth Transfer" to lower taxes for clients and retain next-gen assets for your practice.



Dan Daniels
Wiggin and Dana

Micheal Clear
Partner
Wiggin and Dana

Apr 26 2017 9:25AM


Estate Planning in Uncertain Times: How Do We Advise Our Clients?


With a new President and both houses of Congress controlled by Republicans, the future of the estate tax is up for grabs and the step up in basis at death may be cast off into history, too. Or maybe there will be an income tax at death instead of an estate tax. Or perhaps things will stay just as they are now. It’s anybody’s guess, so what’s a planner to do? In this presentation, Michael Clear and Dan Daniels will address these questions and more to help you help your clients navigate these uncharted waters successfully. They’ll discuss: Various proposals for repealing the federal estate tax; What will happen to the step up in basis; Possibility of a deemed disposition tax at death; How to create flexible plans that anticipate all of the potential changes; The importance of non-tax planning, including protecting assets from incapacity, creditors, predators and divorce



Simon Lack
Catalyst Funds

Apr 26 2017 9:25AM


MLPs - Building Towards Energy Independence


The objective of the session will be to discuss the growth & independence of the US Energy Market. Specific focus on the shale revolution and it’s affect on Natural Gas & Oil production. Secondly, Simon will explain a unique and under valued relationship between MLPs & Hedge Fund Managers which relates to his book “The Hedge Fund Mirage: The Illusion of Big Money and Why it’s too Good to be true.”



Paul Czepiga
CzepigaDalyPope

Apr 26 2017 10:50AM


How the New Connecticut Power of Attorney Laws Affects You and Your Clients: The Good and the Bad


After remaining relatively unchanged since 1965, Connecticut finally updated its law governing Powers of Attorney (POA). POAs signed prior to 10/1/2016 are still valid, but clients won’t have all the powers and protections of the new law. The new law specifically addresses annuities, insurance and retirement plans and also allows agents to make gifts, change beneficiary designations, and create or change rights or survivorship. Learn about these changes and more. You’ll increase your value to your clients and be better able to guide and protect them.


Apr 26 2017 10:50AM


Strategies to Maximize the Value of Roth Conversions


Since 2010, anyone is permitted to do a Roth conversion of a traditional IRA or 401(k), regardless of income. However, just because you can, doesn't mean you should - especially not all at once. In this session, we explore various strategies to maximize the value of a Roth conversion, from doing backdoor Roth contributions, to systematic partial Roth conversions, leveraging Roth recharacterizations using the separate accounts rule, and more!



Timothy Jackson
National Sales Manager for the Financial Planning Channel
Reverse Mortgage Funding LLC (RMF)

Apr 26 2017 10:50AM


The New Case for Low Cost Reverse Mortgages


Leading retirement researchers, such as Wade Pfau, recommend all financial advisors revisit the “new” reverse mortgage. Why? One reason is your clients 62 or older can now establish a credit line for as low as $125 in most states. Plus, the amount available in the credit line will grow, even if the home value depreciates! Join Timothy Jackson, Sales Manager for RMF’s Financial Advisor Channel, as he outlines the pros and cons of FHA-insured reverse mortgages (“HECMs”) and what its $105 billion FHA-backing means to your clients. Tim will use MoneyGuidePro to share four common uses of HECMs that may help senior clients: (1) pay LESS taxes by reducing IRA withdrawals, (2) establish a standby credit line for clients who are self-insuring for LTC risk (3) eliminate mortgage payments, if they have 50% in home equity (4) and possibly free up cash by reducing the money necessary when purchasing a home.


Apr 26 2017 12:00PM


Luncheon Keynote - Understanding DoL Fiduciary and the Best Interests Contract, Sponsored by Jefferson National Financial


With the issuance of a Department of Labor (DoL) fiduciary rule on April 6 of 2016, the world of professional financial advice took its first step into the future, declaring that brokers can no longer earn commissions and other forms of conflicted compensation from advice via consumers, unless they agree to do so pursuant to a Best Interests Contract (BIC) agreement with the client, or meet the requirements to be a Level Fee Fiduciary. Both standards commit the advice-provider to a fiduciary standard of giving advice in the “best interests” of the client, earning “reasonable compensation”, and providing appropriate disclosure and transparency about the products and compensation involved, which in turn will require significant changes to how advisors do business in the years to come.



James Wolter
Legacy Tree Foundation

Apr 26 2017 1:30PM


Charitable Planning for the "Average" Client


In this presentation we will help you determine if and how charitable planning may be a viable tool for mid-size net worth clients. We'll talk about how and why existing annuities could be a suitable asset to fund charitable plans and also discuss tax and philanthropic planning that creates income to fund life insurance. Additionally, we'll determine which types of assets may develop problematic tax issues that could be remedied by the tax advantages available via charitable planning.


Apr 26 2017 1:30PM


Cutting Edge Tax Planning Developments and Opportunities


2013 marked the dawn of a new environment for income and estate tax planning – for the first time in more than a decade, there were no more scheduled fiscal cliffs and no more sunset provisions, and instead the outcome of the American Taxpayer Relief Act was ‘permanent’ tax legislation. Of course, permanent only remains so until another Act of Congress changes it, but nonetheless the new tax environment, with its new top tax brackets for income taxes, long-term capital gains, and qualified dividends, along with the new Medicare taxes, have created new planning complexities. In this session, we look at the planning opportunities in today’s environment, from Roth conversions and capital gains harvesting to asset location and AMT planning, and how to strategize on income planning issues going forward.



Reed J. Lloyd
Pacific Select Distributors, Inc.

Apr 26 2017 1:30PM


Health Costs in Retirement


Saving for retirement is tough enough; but saving for the things we need rather than what we want can even be more challenging. Understanding how retirement healthcare costs might affect a client’s retirement income portfolio is important. Explore the costs of healthcare in retirement, and learn some options that may help with the retirement ‘healthcare plan’.



GJ King
President
RIA in a Box

Apr 26 2017 2:50PM


How to Prepare for an RIA Regulatory Exam


This presentation will help both state and SEC­-registered RIA firms better prepare for and understand the investment adviser audit process. Topics that will be covered include how to establish an effective compliance program that can be demonstrated during an exam, the key components of an exam, and the possible outcomes of such an exam. In addition, we will discuss the most common deficiencies cited in both state and SEC audits, current regulator focus areas, and other insightful audit statistics.



Brian Loo, CFA
Chief Investment Officer
Multi-Funds, LLC

Apr 26 2017 2:50PM


Income Alternatives in a Rising Rate Environment


With interest rates trending higher in a moderate-growth economy, and Fed policy under Chair Yellen becoming less accommodative, financial advisors are actively seeking methods to get their clients low-volatility high income, while at the same time hedging the interest-rate risk of a long-dated bond portfolio. Please join AlphaCentric PM Brian Loo for a discussion of income alternatives in a rising rate environment. Brian will be discussing the case for seasoned non-agency residential MBS, macro and microeconomic factors affecting credit (housing market, employment, yield curve, etc.) and how to position credit in a portfolio for risk-mitigation.



Kevin Donovan, JD
Director – Retirement and Wealth Strategies
Jackson National Life Distributors LLC

Apr 26 2017 2:50PM


What You Make vs. What You Keep: Annuities and the Power of Asset Location


Taxation can impact multiple facets of financial planning including wealth accumulation, retirement income distributions, estate planning, and wealth transfers. Mistakes in these areas can be costly, so it's important to have a working knowledge of the rules of the current tax landscape so you can evaluate tax-deferred* annuities and how they fit into the overall financial plan. This one-hour seminar will be delivered as a classroom lecture and include a question and answer period. It is of intermediate difficulty and assumes a basic understanding of investments and annuities.



Connie Chen, CFP®, AMP
Founder, CEO
Chen Planning Consultants, Inc.

Apr 26 2017 3:45PM


Closing Keynote - Wealth, Health & Happiness – A Holistic Approach in Serving your Clients


This closing keynote will first synthesize the 33rd Annual CT State Conference about the future of financial planning. This session’s main focus is to demystify the HOLISTIC Financial Planning Approach through the “OASIS” process. A Step by Step methodology, cognitive approach to reach true financial freedom – Wealth, Health, and Happiness. All essential aspects of the planning cycle will be addressed. It’s a comprehensive, objective and integrated application of both Quantitative analysis as well as Soul-Searching Qualitative review. A smattering of experiential “Q2” process shall help to raise the consciousness of our professional practitioner and their clients to realize how to follow one’s own bliss and “know thyself be true!



Sessions

Continuing Education, per session, show accepted hours, or info about CE status. Hover over hours or info for details.


DateCourse Title/DescriptionStartCFP®CT InsPACE
Apr 26, 2017 Breakfast Keynote - Searching for Clarity in Uncertain Times, Speaker Ron Van Winkle Ron VanWinkle 8:00 A 1.00 1.00
Addressing the Great Wealth Transfer Joena Russell 9:25 A 1.00 1.00
Estate Planning in Uncertain Times: How Do We Advise Our Clients? Dan Daniels Micheal Clear 1.00 1.00 1.00
MLPs - Building Towards Energy Independence Simon Lack 1.00 1.00
How the New Connecticut Power of Attorney Laws Affects You and Your Clients: The Good and the Bad Paul Czepiga 10:50 A 1.00 1.00 1.00
Strategies to Maximize the Value of Roth Conversions Michael Kitces, MSFS, MTAX, CFP®, CLU, ChFC, RHU, REBC 1.00 1.00
The New Case for Low Cost Reverse Mortgages Timothy Jackson 1.00 1.00
Luncheon Keynote - Understanding DoL Fiduciary and the Best Interests Contract, Sponsored by Jefferson National Financial Michael Kitces, MSFS, MTAX, CFP®, CLU, ChFC, RHU, REBC 12:00 P 1.00 1.00
Charitable Planning for the "Average" Client James Wolter 1:30 P 1.00 1.00 1.00
Cutting Edge Tax Planning Developments and Opportunities Michael Kitces, MSFS, MTAX, CFP®, CLU, ChFC, RHU, REBC 1.00 1.00
Health Costs in Retirement Reed J. Lloyd 1.00 1.00 1.00
How to Prepare for an RIA Regulatory Exam GJ King 2:50 P 1.00 1.00
Income Alternatives in a Rising Rate Environment Brian Loo, CFA 1.00 1.00
What You Make vs. What You Keep: Annuities and the Power of Asset Location Kevin Donovan, JD 1.00 1.00 1.00
Closing Keynote - Wealth, Health & Happiness – A Holistic Approach in Serving your Clients Connie Chen, CFP®, AMP 3:45 P 1.00 1.00



Registration Fee
Member Through  March 16 $129.00
March 17 April 20 $179.00
  April 21 April 26 $249.00
Non-Member Through  March 16 $199.00
March 17 April 20 $249.00
April 21 April 26 $299.00