The symposium provides advisors with a forum to hear and share ideas on the new realities of retirement, issues they face with clients and the latest strategies offering top-level solutions to address client goals. The conference promises to make advisors feel energized with new ideas and enthusiasm to build their practices.
Considered one of the most progressive and talented baseball executives in the game today, Billy Beane has molded the Oakland Athletics into a perennial postseason contender since assuming the general manager’s duties shortly following the 1997 season.
Under Beane’s watch, the A’s have compiled a 1300-1128 (.535) record over the last 15 seasons, which is the fourth-best record in the American League and seventh best in all of baseball during that time frame. The A’s have won five American League West titles (2000; 2002; 2003; 2006; 2012) and secured one AL Wild Card spot (2001) during that span. His teams have posted 90 or more wins in seven of the last 12 years.
His innovative management style inspired the 2003 book Moneyball, which was made into a film in 2011, starring Brad Pitt as Beane.
Nick Murray is in his 48th year in the profession of financial advice. He is one of the industry’s premier speakers and the author of eleven books for financial services professionals. His book for clients, Simple Wealth, Inevitable Wealth, is among the most successful privately published books of the last dozen years. Murray also publishes a monthly newsletter and “spot coaching” service for advisors, Nick Murray Interactive. He was the 2007 recipient of the Malcolm S. Forbes Public Awareness Award for Excellence in Advancing Financial Understanding.
Rick Adkins, CFP, ChFC, MBA
Rick Adkins is the president/CEO of The Arkansas Financial Group which he founded in 1982. He served as chair of the Certified Financial Planner Board of Standards’ Board of Governors in 2003. Adkins received a BS degree in management from Harding University and an MBA from the University of Mississippi.
Chip Castille, managing director, is BlackRock’s chief retirement strategist heading the Global Retirement Strategy Group. He is responsible for managing global retirement opportunities across geographies and products, including the ongoing evolution of their LifePath and CoRI product suites. Prior to his current role, he was head of BlackRock’s US Retirement Group, which included the US & Canada Defined Contribution Group.
Robert DeChellis is the president of Allianz Life Financial Services, LLC, a division of Allianz Life Insurance Company of North America (Allianz Life®). In this role, DeChellis is responsible for sales and distribution of Allianz Life products, including variable annuities, fixed indexed annuities and advisory annuities through broker dealers and other financial institutions.
Roy Diliberto, CFP
Roy Diliberto, CFP is Chairman of RTD Financial Advisors, Inc. He has served as national President of The Financial Planning Association and has authored Financial Planning – The Next Step: A Practical Approach to Merging Your Clients Money With Their Lives. He also writes a bi-monthly column on Financial Life Planning for Financial Advisor Magazine.
Marilyn Dimitroff, a Principal of Planning Alternatives in Bloomfield Hills, MI. is a national leader in the financial planning profession. A current Trustee on the Foundation for Financial Planning Board, she has chaired CFP Board and the Ethics Task Force that developed the updated Standards of Professional Conduct. She has a BA and MA in mathematics.
Dorothy Hinchcliff is managing editor of Financial Advisor magazine and editor of its website, fa-mag.com, and FA green, fa-mag.com/green. She has been instrumental in expanding the magazine’s website and launched FA green, which focuses on sustainable investing and advisors who provide advice on the topic. Hinchcliff has been a financial journalist for more than 20 years.
David is responsible for accelerating the growth of life insurance products in the company’s retail and third-party distribution channels and developing distribution methods to new market segments.
Robert Kaplan is National Retirement Consultant for Voya. In this role, he leverages over 30 years of experience in plain design, administration, sales and consulting, to conduct webcast and live training for Voya personnel as well as members of the TPA and financial professional community.
As a leading retirement activist, Robert Laura combines his social work skills and retirement income expertise to help people plan for every aspect of retirement. He maintains multiple roles including President of SYNERGOS Financial Group, founder of RetirementProject.org, creator of Retirement Wellness Report and DividendPaycheck.org, as well as serving as a syndicated columnist for both Forbes.com and Financial Advisor Magazine.
Christian Magoon is chief executive of YieldShares, an ETF Sponsor focused on income strategies. The YieldShares High Income ETF (YYY) is listed on the NYSE ARCA platform. He has been referred to as an ‘ETF Pioneer’ for his role in the growth of the ETF marketplace. Magoon is a Wall Street Journal expert panelist and noted investment author.
Daniel B. Moisand, CFP
Dubbed a “Future Star” in 2002 by Financial Advisor, Dan Moisand has been featured as one of the country’s top practitioners in most financial planning publications. He is the only two-time winner of the Journal of Financial Planning‘s Call for Papers competition and has been a retirement columnist for Financial Advisor since 2010.
Wade D. Pfau, Ph.D., CFA
Wade D. Pfau, Ph.D., CFA, is a professor of retirement income in the Ph.D. program for financial and retirement planning at The American College in Bryn Mawr, PA. He also serves as the director of retirement research for inStream Solutions and McLean Asset Management.
Hannah Shaw Grove
Hannah Shaw Grove is the author of Inside the Family Office: Managing the Fortunes of the Exceptionally Wealthy and The Family Office: Advising the Financial Elite. She consults to families with significant wealth and their closet advisors.
Evan Simonoff is editorial director of Financial Advisor and Private Wealth magazines and is a founding partner of Charter Financial Publishing Network (CFPN). He has spent more than 20 years as an editor and reporter covering the financial services industry. Simonoff is a widely recognized expert on personal finance and investments.
Greg Sullivan, CEO and co-founder of Sullivan, Bruyette, Speros & Blayney, has over 30 years experience in investment management and personal financial planning. Sullivan has been recognized by Barron’s Top 100 Independent Financial Advisors report and by Washingtonian magazine as a 2014 Top Money Advisor.
Dr. Katy Votava
Dr. Katy Votava, founder of GOODCARE.com, is a Medicare expert who consults with financial advisors and their clients throughout the United States. As a nurse practitioner and healthcare economist Votava has a broad view of healthcare in retirement and what the real impact is on consumers. She provides up-to-the-minute information that advisors can apply immediately in practice.
Waldean Wall is the vice president of advanced markets for Allianz Life Insurance Company of North America. He has more than 30 years of experience speaking at conventions and top producer meetings around the country and helps financial professionals and their clients with their financial, estate, and retirement-planning goals. Previously, Wall was a tax consultant, leaders-level advisor with New England Financial, and an advanced markets trainer.
Mark Williams is the chief of sales officer for Brokers International, a national insurance marketing organization. Williams is responsible for recruiting financial professionals to one of over 20 insurance companies Brokers International represents. Williams also oversees marketing, producer programs and distribution of life insurance and annuity products offered to the thousands of agents that work with Brokers International.
Michael Zmistowski is president of Financial Planning Advisors, LLC specializing in retirement income management. As a securities principal with the Financial Industry Regulatory Authority, licensed insurance representative and associate of registered investment advisory firms, for over 28 years Zmistowski has been designing and implementing financial plans for his clients.
Subject to change
April 1, 2015
7:00 am - 5:00 pm
7:00 am - 8:00 am
8:00 am - 8:10 am
David Smith, Financial Advisor and Private Wealth Magazine
8:10 am - 9:00 am
9:05 am - 9:55am
Equity-Income Investing for Retirement
Clients entering what could be a retirement lasting three decades or more require a combination of income and capital appreciation. In this session, several institutional investors will discuss their strategies for providing investors with growth and income portfolios built to last.
A Look at Insurance Policies and Annuities With LTC Riders
10:00 am - 10:30 am
10:35 am - 11:25 am
Tax-Efficient Retirement Withdrawal Strategies
As clients enter retirement, the need to protect their nest eggs takes on new urgency. Hear our experts discuss ways for clients to minimize the tax bite on retirement withdrawals and potentially maintain greater account balances as a result.
Low-Volatility Investing For Retirement
One of the major lessons of the last decade is how damaging a bear market can be to people just beginning retirement. So-called sequential risk — retiring in a year like 2001 or 2008 — can permanently impair a client's capital and put them in a hole from which it can become impossible to escape. The upshot is that many investment companies and advisors have created low volatility portfolios so that clients' assets suffer minimal damage in the event of a bear market and survive to play another day.
11:30 am - 12:20 pm
Income-Producing Alternatives to Bonds
Panelists will discuss alternatives to bonds that can produce a reliable stream of current income for retirees. Many of these alternatives provide higher yields than traditional bonds, low volatility and low correlation to other investments, and can provide portfolio diversification benefits. These investments may also help clients match income against long term liabilities.
Analyzing the Financial Assumptions Behind Annuities
12:25 pm - 1:35 pm
I ❤ Volatility
1:40 pm - 2:30 pm
2:35 pm - 3:25 pm
Longevity: The Impact on LTC and Social Security Strategies
Life expectancy has a significant impact on retirement income planning. This session will focus on how longevity impacts Long Term Care solutions and Social Security strategies. Hedging strategies to mitigate longevity risk will be discussed next to health care costs and Social Security claiming decisions.
Making Retirement Comfortable
3:30 pm - 4:20 pm
A New World- Retirement Planning for Physicians
Generating Income Using Alternative Investments
For many clients, alternative investments may be a good choice to generate income from sources that are less correlated with traditional bonds and dividend-paying investments. What alternatives and for which clients are they appropriate? Our panelists provide answers.
4:25 pm - 5:15 pm
Cost of Retirement Income Today & Tomorrow
Two nationally known and respected financial advisors address why different software programs result in dramatically different projected outcomes and how advisors can integrate different approaches, such as cash flow vs. capital needs analysis.
Helping Clients Decide Where To Retire
For some clients, it may make sense for them to move to another state or even another country after they retire. But what are the five or 10 key issues that every advisor should review with such clients before they pull up stakes?
5:15 pm - 6:30 pm
April 2, 2015
7:00 am - 8:00 am
8:00 am - 8:10 am
8:10 am - 9:00 am
Participants will share their outlook on the U.S. and the global economy, as well as the direction of the financial markets. Other topics include the psychology of both individual clients and professional investors, lessons learned about basic tenets of finance like MPT and buy and hold, and what role alternative investments play in their clients' portfolios in the future.
9:05 am - 9:55am
Why Clients Fail in Retirement
A look at some of the most common ways that clients with sufficient financial resources when they enter retirement still end up failing financially.
10:00 am - 10:30 am
10:35 am - 11:25 am
Where To Retire
One of the biggest decisions clients face in retirement is where to retire. Many want second homes. But there are many factors to consider. This session will examine some of the most salient issues, including cost, availability of medical services, family proximity and the option of retiring overseas.
Longevity Annuities - An Alternative Way To Avoid Running Out Of Money
As the over-85-year-old cohort becomes the fastest growing sector of the population, annuities that don't pay benefits until annuitants become octogenarians are proliferating. This session will examine them in detail.
11:30 am - 12:20 pm
Reverse Mortgage Opportunities
New rules being implemented for reverse mortgages may prompt more lenders to work with financial planners and their clients. Experts on this panel will bring you up to date on the changes and the opportunities for your clients to have a more secure retirement.
Social Security Decisions
One of the biggest financial decisions sixty-something clients make is when to start drawing Social Security. For many clients, it may make sense to wait until full retirement or beyond, but individual circumstances and Social Security regulations may mean it's better for some to file earlier. Our experts will explain the key considerations in advising your clients on this important topic.
12:30 pm - 1:55 pm
Billy Beane, Oakland A's General Manager and Subject of Moneyball
2:00 pm - 2:50 pm
The last 15 years have driven home the problem of sequential risk, or retiring at the start of a vicious bear market, as never before. This experience has prompted innovative advisors to devise new portfolio strategies that limit clients' exposure to severe drawdowns that can compromise their lifestyle. In this session, two prominent advisors will explain the thinking behind the strategies they have developed, what they can do and what they can't.
Allianz Life Insurance Company of North America (Allianz), one of FORTUNE’s 100 Best Companies to Work For in 2014, has been keeping its promises since 1896. Today, it carries on that tradition, helping Americans achieve their retirement income and proteciton goals with a variety of annuities and life insurance products. As a leading provider of fixed index annuities, Allianz is part of Allianz SE, a global leader in the financial services industry with 142,000 employees worldwide.
Sponsors and Exhibitors
“AXA” is a brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY), MONY Life Insurance Company of America (AZ stock company, administrative office: NY, NY), AXA Advisors, LLC, and AXA Distributors, LLC. In business since 1859, AXA Equitable Life Insurance Company is a leading financial protection company and one of the nation’s premier providers of life insurance, annuity, and financial products and services distributed to individuals and business owners through its retail distribution channel, AXA Advisors, LLC (member FINRA, SIPC) and to the financial services market through its wholesale distribution channel, AXA Distributors, LLC.
AXA S.A. is a Paris-headquartered holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC companies. AXA S.A. is a worldwide leader in financial protection strategies and wealth management with 102 million clients in 56 countries as of December 31, 2013.
The obligations of AXA Equitable Life Insurance Company and MONY Life Insurance Company of America are backed solely by their claims-paying ability. Find AXA on Facebook, Twitter and LinkedIn. For more information, visit www.axa.com.
BenefitsLink daily e-newsletters provide the latest developments and analysis in plan compliance, administration, policy and design. Website includes active message boards, industry news and an extensive calendar of conferences and webcasts. Find – and fill – job openings on EmployeeBenefitsJobs.com
28,000 Employee Benefits Professionals rely on BenefitsLink to keep them up to date – do you? http://benefitslink.com
Brokers International offers a wide selection of fixed annuity options from some of the nation’s leading carriers, along with extensive life insurance and investment solutions though our affiliates Brokers Life and Brokers Financial. Plus, we provide personalized sales support and exclusive business development programs that can bring valuable solutions to your clients.
Realty Capital Securities
Realty Capital Securities, LLC (“RCS”), member FINRA/SIPC is a wholesale broker dealer focused exclusively on the distribution of non-traded investment programs. The products offeredon RCS’ platform target specific sectors with varying investment strategies.
As a leader in the non-traded investment program industry, RCS places a premium on offering the investment community unique exposure to diverse, complementary, and professionally managed investment opportunities to meet the objectives of suitable investors’ portfolio needs.
Realty Income is The Monthly Dividend Company®. Since our IPO in 1994, we have increased our dividend nearly 5% annually on a compounded basis and have increased the dividend 68 consecutive quarters. The monthly dividend is supported by over 4,200 freestanding commercial properties under long-term leases.
Schooner Investment Group
Schooner Investment Group provides investment management services to institutions and financial intermediaries that are seeking to preserve and build capital with a focus on sustainable, risk reducing investment strategies. The Firm manages mutual funds, with a focus on liquid alternative funds, separate accounts, and private investment funds. Schooner advises the Schooner Fund (Tickers: SCNAX, SCNIX) a hedged-equity mutual fund. The Fund was specifically designed for the general investing public; executing investment strategies that seek upside participation coupled with superior risk management. www.schoonerfunds.com
Sierra Mutual Funds
Founded in 1987, Sierra currently manages over $1.8 billion in separate accounts and the two Sierra mutual funds, designed to serve the needs of retirees and other conservative investors. Sierra uses a globally-diversified tactical style, with proven risk-mitigation disciplines, and has achieved exceptional results across market cycles.
The twin goals of Sierra’s core strategy are (1) to average 8% or better over a market cycle (2) while at the same time limiting downside risk to 4%-5%.
Fact Sheets on the Sierra mutual funds can be viewed at www.SierraMutualFunds.com. For further information on the funds or separate managed accounts, call Whitney Barbarics at 1-855-556-1295 or email [email protected].
Voya Investment Management
Voya Investment Management (Voya IM) is a leading active asset management firm. As of September 30, 2014, Voya IM manages approximately $213 billion* for affiliated and external institutions as well as individual investors. Drawing on over 40 years of experience and an ongoing commitment to reliable investing, Voya IM has the resources and expertise to help long-term investors achieve strong investment results.
YieldShares LLC is an ETF Sponsor focused on investment income. Founded by ETF veteran Christian Magoon, the firm seeks to expand access to income focused investment strategies available inside an ETF.
What is the dress code for the conference?
The attire for the conference is business casual. No shorts or t-shirts.
What is the cancellation policy?
If you are unable to attend, you may replace your registration with a substitute delegate at no extra cost. Should you completely cancel, notification must be submitted in writing by February 23, 2015. Cancellations received by February 23, 2015 will be subject to a $50 administrative fee. No cancellation refunds/requests will be accepted afterFebruary 23, 2015. In the event the conference is cancelled, Charter Financial Publishing Network (CFPN) assumes no liability for non-refundable transportation costs, hotel accommodations or any additional costs incurred by registrants. CFPN reserves the right to alter the agenda without notice including the substitution or cancellation of speakers and/or topics.
What time does registration open on Wednesday April 1, 2015?
Attendee registration opens at 7:00 a.m. Sponsor registration will be open on Tuesday, March 31st from 3:00 p.m. to 6:00 p.m.
Can I register on-site on the day of the conference?
Yes, however we encourage you to register beforehand.
How will continuing education hours be credited?
Forms will be available at registration, all attendees are to self-report the program for credit.