PROFESSIONAL ETHICS - Mandatory CE: (click each bullet point once to view details)

• Earl Nightingale said, “If ethics did not exist, it should be invented as the best sales tool available.” As professionals we are more than aware that there are legal lines, already drawn in the sand, over which we are not to cross. It is the ethics line that we ourselves must draw. The only real enforcement for the ethics line is the professional, him or herself. Learn why ethics help us turn customers into clients, sometimes for life. Learn how professional associations can be great resource tools personally and professionally.

What You Will Learn:

• Identifying the legal line in the sand.

• Identifying the ethics line in the sand.

• Why ethics helps turn customers into clients.

• How professional associations help increase sales and professionalism.

• How to identify client needs and when ethics and the law might be in conflict.

• The importance of due diligence to protect the client and yourself.

Continuing Education Credit:

• Life & Health Insurance Agents - 3 hours

Course Number:

• FL Dept of Insurance: # 54018
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Planning 231: Annuities and Medicaid Planning: (click each bullet point once to view details)

• Can clients spend their retirement assets as they want and let Medicaid handle Long-Term care? Is there really such a thing as a Medicaid-Friendly Annuity? If so, what strategies should be employed, how, when, why? This is a hands-on course with case studies to help you grasp a concept, laws and potential benefits available that many do not even know exists, or if they do know they don’t know how or when to access them. Learn pre-need and current need planning techniques that may help keep your client from dieing broke.

What You Will Learn:

• How to recognize the need benefits: Medicare, Medicare Supplement, Long Term Care Insurance

• Who pays and for how long? What happens when you run out of benefits?

• How to Qualify for Medicaid -- the various tests

• How to re-position assets

• When to file for qualification; where to file for qualification

• Planning with Medicaid Qualified Annuities -- why these qualified annuities are different

• When do you need a Qualified Income Trust?

• When to not use the annuity -- when to use a d(4)(c) Pooled Income Trust

• Actual case studies

• How to capture the "Pre-Planning" case: why you must first do that planning

• Why your client's existing estate plans will guaranty the disqualification of their ability to qualify for Medicaid

• How to capture additional financial planning assets through Pre-Planning every client's estate plan

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• PACE Credits - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: # 41205
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Planning 331: Advanced Annuities, Medicaid Planning Strategies (click each bullet point once to view details)

• End of life/Medicaid planning requires knowing more than just a few simple answers. Retaining dignity, control and assets for one's self and family requires team work from the family, the POA, the advisor and the attorney. Join us for multiple case studies done in a team environment as we explore legal options and how a Medicaid Qualified Annuity, Long Term Care contracts, good old fashion emergency reserves and others may be some of the best asset preservation tools available. You need to have attended Pln 231 and/or have a good grasp of the Medicaid process before attending this course.

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: # 47782
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Business Owner Exit Planning (click each bullet point once to view details)

• This course introduces the intricacies of planning for business owners and their businesses. The financial advisor will learn how to become part of the business planning team and how to set up a Design Team. Learn reasons why business owners do not plan and how to get the owner’s interest.

What You Will Learn:

• Why business owners don't plan

• How to get the Owner's interest

• The Business Audit

• How to set up a Design Team

• How to position yourself as the "Counselor" to the Business

• How to use business planning to increase your revenue

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• PACE Credits - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: # 54019
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Design & Implementation of a Business Exit Plan (click each bullet point once to view details)

• This course picks up where Business Owner Exit Planning ends. The financial advisor will learn how to construct a 7-Step business exit plan and, more importantly, how to assist the business with executing that plan. Learn how to layer a Non-Qualified Deferred Compensation plan to save income tax. Learn how to utilize a Controlled Auction process to maximize sale proceeds.

What You Will Learn:

• The 7-Step Business Exit System

• Organizing goals to match the sale

• Selling to employees with no money

• Converting Value to Cash

• Selling at the lowest Defensible Value to minimize Income Tax

• Layering a Non-Qualified Deferred Compensation plan to save income tax

• Utilizing a Controlled Auction process

Continuing Education Credit:

• Information Coming Soon.

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Course Number:

• Information Coming Soon.
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BEGINNING ESTATE PLANNING: (click each bullet point once to view details)

• Begin at the beginning; for “newbies” to estate planning; basic concepts are explored and mastered before proceeding to more advanced topics; ownership – how your clients should own their assets; how not to own assets; why Joint Tenancy is the worst way to own property; differences between types of property ownership; Will-based estate planning – will “Wills” work? what is a Trust?; how to analyze Trust documents; why most living trusts won’t work; probate avoidance for your clients; why Will-based plans result in two probates!; how to counsel your clients as to proper estate planning.

What You Will Learn:

• Identifying Client Objectives

• Defining Key Client Objectives

• Presenting Proposed Objectives -- from the Client's perspective

• Introduction to the Federal Estate Tax

• Mastering the Federal Estate Tax Exemption

• Introduction to the Unlimited Marital Deduction

• Learning how to maximize the benefits of two Estate Tax Exemptions

• Learning how to spot problems with the titling of assets

• Understanding the difference between fee simple ownership, tenancy in common, joint tenancy

• Mastering community property concepts & why you need to know even in Florida

• How owning assets in joint tenancy can be disastrous

• Learning how beneficiary designations can lead to disasters for clients

• Why Wills guaranty probate

• Why a Power of Attorney may never work

• Why a Will-based estate plan may lead to forced guardianship proceedings

• Learn the ins and outs of the exhaustive probate process

• Learn how to avoid forced guardianship and probate

• How to analyze trust documents

• Why most living trusts don't work

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• PACE Credits - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: # 35966
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INTERMEDIATE ESTATE PLANNING: (click each bullet point once to view details)

• How to develop an estate plan that will “work” for your clients; how to recognize the 5 most common estate planning mistakes, and why most of your client’s plans already include these “mistakes;” why your client’s assets will probably never pass to their grandchildren, even though your Clients think that’s what their plan provides for; how to “creditor-proof” your Client’s assets today without irrevocably transferring their money; how to protect one-half of your Client’s assets from Medicaid seizure after the death of the first spouse; how to begin to design estate plans that will enable you to maintain control of your Client’s money management even after they have passed away.

What You Will Learn:

• Trust Provision Requirements from Beneficiaries as Pre-Conditions to Inheritance

• The Most Important Thing a Trust Can Accomplish

• Two Types of Trusts

• Characteristics of Revocable Trusts

• Problems Associated with Revocable Trusts

• 3 Step Strategy for Effectively Working with Revocable Living Trusts

• Counseling-Oriented Estate Plans vs. Word Processing Estate Plans

• Why You Should Never Use a Joint Living Trust

• Lifetime Considerations Used in a Counseling-Oriented Living Trust

• Trustees: How to Pick Them & How Not to Pick Them

• How to Avoid Estate Tax at a First Spouse's Death - Enhancing the Unlimited Marital Deduction

• Options for Designing a Marital Deduction Trust: How to Keep it from New Spouses & Creditors

• How to Design the By-Pass or Family Trust: How to Keep it from New Spouses & Creditors

• Why Most Existing Living Trusts Subject All Assets to New Spouses & Creditors

• How to Keep Your Assets from the Divorced Spouses of Your Children & Safe for just Your Kids

• Why You Should Always Use a Common or Pot Trust for Minor Children

• How to Design a Special Needs Trust for Disabled Children or Disabled Adults

• How to Properly Fund a Revocable Living Trust

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• PACE Credits - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: # 35967
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ADVANCED ESTATE PLANNING: (click each bullet point once to view details)

• Using cutting-edge planning techniques to shelter your Client’s assets from divorced spouses and catastrophic creditors; how to use advanced tools to shelter income; how to design sophisticated generation-skipping plans that pass assets to subsequent generations with no estate tax; why your Clients will insist on naming you as a “Trust Advisor” in their planning documents; how becoming a Trust Advisor will place you in control of your Client’s assets for subsequent generations; use of advanced discounting techniques, including Grantor Deemed Owner Trusts (GDOTs) to pass additional wealth to children free of all federal estate taxes.

What You Will Learn:

• The 4 Reasons to Own Life Insurance

• Designing an Effective Irrevocable Life Insurance Trust (ILIT)

• How to Spot Problems with regard to Incidents of Ownership

• Why Children Should Never Own Life Insurance on the Lives of Their Parents

• The 5 Reasons Why Life Insurance Should be Owned Inside an ILIT

• Why Gifts of Premiums to ILITs Don't Qualify for the Annual Gift Exclusion: You Need to Know This!

• Why Death Proceeds Inside an ILIT Can't be Used to Pay Estate Tax: You Need to Know This!

• The 9 Required Steps of Creating & Funding an ILIT: Must be Done in This Order!

• How to Choose the Right ILIT Trustee

• Why Family Limited Partnerships Must Be a Part of Many Estate Plans: Even After the Hackel Case

• Permissible Reasons for Implementing a Family Limited Partnership (FLP)

• How to Use an FLP to Lower Your Client's Estate Tax & Prevent FLP Assets from Seizure by Creditors

• How to Properly Set Up a Charitable Remainder Trust (CRT)

• How Not to Sell Life Insurance Coupled with a CRT -- and Then How To!

• How to Properly Set Up a Charitable Lead Trust (CLT)

• How to Eliminate Large Income Tax Liability with a CLT

• How to Completely Eliminate Estate Tax with a Testamentary Charitable Lead Annuity Trust (TCLAT)

• NIMCRUTs and NICRUTs

• How to Turbo-Charge an FLP with a Grantor Deemed Owner Trust (GDOT)

• How to Capture 4 or 5 times Your Client's Assets for Future Management After Your Client's Pass Away

• How to Eliminate Competition for Your Client's Assets Forever

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• PACE Credits - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: # 35965
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Planning 101: OPPORTUNITIES IN ESTATE PLANNING: (click each bullet point once to view details)

• From the beginning; everything you need to know about estate planning; how assets should be titled; why will-based plans will result in two probates; problems with traditional planning; about revocable living trusts: will they work? what your clients really care about; why CPAs & financial advisors make excellent ILIT trustees; when a Family Limited Partnership is appropriate; how to help your clients minimize taxes with Charitable Remainder & Lead Trusts; how business succession planning can achieve your client’s goals while securing your relationship with the successors; how to integrate IRA benefits into a comprehensive estate plan; how to maintain control over your client’s assets after their deaths using generation skipping estate planning; how to make estate planning a rewarding part of your practice and turn it into a balance sheet asset by annuitizing your book of business.

What You Will Learn:

• Identifying Client Objectives

• Defining Key Client Objectives

• Presenting Proposed Objectives -- from the Client's perspective

• Introduction to the Federal Estate Tax

• Mastering the Federal Estate Tax Exemption

• Introduction to the Unlimited Marital Deduction

• Learning how to maximize the benefits of two Estate Tax Exemptions

• Learning how to spot problems with the titling of assets

• Understanding the difference between fee simple ownership, tenancy in common, joint tenancy

• Mastering community property concepts & why you need to know even in Florida

• How owning assets in joint tenancy can be disastrous

• Learning how beneficiary designations can lead to disasters for clients

• Why Wills guaranty probate

• Why a Power of Attorney may never work

• Why a Will-based estate plan may lead to forced guardianship proceedings

• Learn the ins and outs of the exhaustive probate process

• Learn how to avoid forced guardianship and probate

• How to analyze trust documents

• Why most living trusts don't work

• Trust Provision Requirements from Beneficiaries as Pre-Conditions to Inheritance

• The Most Important Thing a Trust Can Accomplish

• Two Types of Trusts

• Characteristics of Revocable Trusts

• Problems Associated with Revocable Trusts

• 3 Step Strategy for Effectively Working with Revocable Living Trusts

• Counseling-Oriented Estate Plans vs. Word Processing Estate Plans

• Why You Should Never Use a Joint Living Trust

• Lifetime Considerations Used in a Counseling-Oriented Living Trust

• Trustees: How to Pick Them & How Not to Pick Them

• How to Avoid Estate Tax at a First Spouse's Death - Enhancing the Unlimited Marital Deduction

• Options for Designing a Marital Deduction Trust: How to Keep it from New Spouses & Creditors

• How to Design the By-Pass or Family Trust: How to Keep it from New Spouses & Creditors

• Why Most Existing Living Trusts Subject All Assets to New Spouses & Creditors

• How to Keep Your Assets from the Divorced Spouses of Your Children & Safe for just Your Kids

• Why You Should Always Use a Common or Pot Trust for Minor Children

• How to Design a Special Needs Trust for Disabled Children or Disabled Adults

• How to Properly Fund a Revocable Living Trust

• The 4 Reasons to Own Life Insurance

• Designing an Effective Irrevocable Life Insurance Trust (ILIT)

• How to Spot Problems with regard to Incidents of Ownership

• Why Children Should Never Own Life Insurance on the Lives of Their Parents

• The 5 Reasons Why Life Insurance Should be Owned Inside an ILIT

• Why Gifts of Premiums to ILITs Don't Qualify for the Annual Gift Exclusion: You Need to Know This!

• Why Death Proceeds Inside an ILIT Can't be Used to Pay Estate Tax: You Need to Know This!

• The 9 Required Steps of Creating & Funding an ILIT: Must be Done in This Order!

• How to Choose the Right ILIT Trustee

• Why Family Limited Partnerships Must Be a Part of Many Estate Plans: Even After the Hackel Case

• Permissible Reasons for Implementing a Family Limited Partnership (FLP)

• How to Use an FLP to Lower Your Client's Estate Tax & Prevent FLP Assets from Seizure by Creditors

• How to Properly Set Up a Charitable Remainder Trust (CRT)

• How Not to Sell Life Insurance Coupled with a CRT -- and Then How To!

• How to Properly Set Up a Charitable Lead Trust (CLT)

• How to Eliminate Large Income Tax Liability with a CLT

• How to Completely Eliminate Estate Tax with a Testamentary Charitable Lead Annuity Trust (TCLAT)

• NIMCRUTs and NICRUTs

• How to Turbo-Charge an FLP with a Grantor Deemed Owner Trust (GDOT)

• How to Capture 4 or 5 times Your Client's Assets for Future Management After Your Client's Pass Away

• How to Eliminate Competition for Your Client's Assets Forever

• Case studies on Revocable Living Trusts

• Case Studies on Irrevocable Life Insurance Trusts

• Case Studies on Family Limited Partnerships coupled with GRATs and GDOTs

• Case Studies on Charitable Remainder Trusts

• Case Studies on Charitable Lead Trusts

• Case Studies on Testamentary Charitable Lead Annuity and Unitrusts (TCLATs and TCLUTs)

Continuing Education Credit:

• CPAs - 16 hours

• Life & Health Insurance Agents - 16 hours

• PACE Credits - 16 hours

• CFPs - 16 hours

Course Number:

• FL Dept of Insurance: 36956
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Planning 102: IRA BOOT CAMP: (click each bullet point once to view details)

• Everything you need to know to master IRA planning; the 12 rules of IRA planning you must know – taught to you in plain English; how to calculate a Required Beginning Date; how to apply the new minimum distribution rules; how to use Conduit Trusts; why most wills and trusts will trigger automatic acceleration of all IRA income taxes upon death of the participant; why most living trusts don’t qualify as a designated beneficiary; how to effectively use disclaimers in IRA planning; how to perpetuate your money management or client relationship with IRA beneficiaries after both first and second generation deaths; how to turn a $1 million IRA into an income stream for your clients in excess of $100 million; why the IRA is the best estate planning asset rather than the worst; why you must have an irrevocable life insurance trust with every IRA. Includes step-by- step workbook with checklists to guide you.

What You Will Learn:

• Why we may not want to name our spouse as our primary beneficiary

• Why we have historically & automatically named the spouse as the primary beneficiary

• The income tax benefits of Regular & Roth IRA ownership of assets

• How we defer income tax by naming our spouse as our primary beneficiary

• How we defer estate tax by naming our spouse as our primary beneficiary

• How to calculate a Required Beginning Date

• An overview of the old Required Minimum Distribution Rules

• An overview of the NEW Required Minimum Distribution Rules

• What is a Conduit Trust?

• Why you must master Conduit Trusts

• Why you must coordinate the client's estate plan with their IRA planning

• Why most living trusts accelerate all income taxes on IRAs passing into the trust

• How to avoid chemistry-like combustible IRA chemicals -- and the explosions you get if you don't

• Updated analysis from IRS on naming trusts as beneficiaries of IRAs -- the very latest!

• The 12 rules you need to know in IRA planning

• How to set up a client's business under IRS guidelines so it can be owned by the client's Roth IRA

• How to use the new grace period following death of the participant to stretch out future payments

• Whatever happened to the Stretch IRA?

• How to capture management of your client's IRA assets for future management after the client's death

• How to discount Required Minimum Distributions and reduce current income taxes for your clients today

Continuing Education Credit:

• CPAs - 8 hours

• Life & Health Insurance Agents - 8 hours

• PACE Credits - 8 hours

• CFPs - 8 hours

Course Number:

• FL Dept of Insurance: # 37171
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Planning 103: IRA Protection Trusts (click each bullet point once to view details)

• How to protect your client’s IRA from income and estate tax liquidation; how to use dollars inside of your client’s IRA to purchase split-dollar life insurance using an innovative exit strategy technique backed by a Big 5 accounting firm; client’s no longer have to liquidate part of their IRA to purchase life insurance; how to use diversified investment techniques to protect the IRA; this course will cover all relevant legal documents and provide you with all statutory citations, case law, and private letter rulings. Computer software analyses will be used in “what if” scenarios to demonstrate the benefits of IRA Protection Trusts. Includes step-by-step workbook with checklists to guide you.

Continuing Education Credit:

• CPAs - 3 hours

• Life & Health Insurance Agents - 3 hours

• CFPs - 3 hours

Course Number:

• FL Dept of Insurance: # 38009
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PIRAC™: The Private IRA Corporation: (click each bullet point once to view details)

• How to reorganize a successful business into a vehicle that protects earnings from income tax, protects earnings from creditors, protects earnings from income taxes on their growth, permits completely income tax-free distributions after age 59 1/2, creditor protects those same earnings, creditor protects the client's ownership interest in their business so that it can never be taken from them. Most clients believe that the best investment they can make is in the business they own and control, and most of the time they are right…… Their frustration is Maximizing the Profit Stream to Their Benefit while Legally Avoiding Taxes now and/or Taxes at retirement, Having Lawsuit Protection and Bankruptcy Protection. Learn how the client can change their frustrations into benefits. Approved by the U.S. Tax Court and the IRS.

What You Will Learn:

• Establishment of ERISA in 1974 by Congress gave us the Traditional IRA

• Department of Labor has regulatory authority over all ERISA type plans, including IRAs

• How the very largest law firms in the country are reorganizing their corporate clients

• Why S corporations result in income taxes forever

• How a C corporation can eliminate income taxes on earnings growth

• How to capture after-tax earnings income tax free forever

• Why a traditional corporate reorganization will not work

• How to protect the future earnings and savings from creditors and lawsuits

• How to protect the ownership interest of your company from ALL creditors and lawsuits without going offshore

• How to invest income and capital gains tax-free forever

• How to structure all real estate investments resulting in the elimination of all income and capital gains taxes on sale

• How to sell your company completely capital gains tax free without using a charitable remainder trust

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• PACE Credits - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: # 43075

• CPA BOARD # 0000452
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Estate Plans That Work™: (click each bullet point once to view details)

• Why Most Estate Plans Don’t Work! An intensive, fast-paced program taught in plan English. You will be introduced the tools necessary to building an Estate Plan That Works! Learn why some estate plans guarantee future court battles; How Clients can protect assets from Medicaid seizure; How to integrate Retirement Planning Benefits into an estate plan; Why clients shouldn’t name IRA designated beneficiaries until they’ve designed their estate plan; How to keep funds given to a child from being taken by a catastrophic creditor (such as an automobile accident); About Revocable Living Trusts and will they work or not and how to make certain a trust will work; How to keep your client’s assets from their children’s Ex-Spouses (your client's REAL hot button!!).

What You Will Learn:

• Why most estate plans don't work

• Why your client's living trusts guaranty the loss of assets to creditors of your client's children

• Why your client's living trusts guaranty the loss of assets to your client's children's ex-wives & ex-husbands

• Why your client's current beneficiary designations on their IRAs, life insurance & annuity contracts will result in subjecting those assets to creditors

• Why a Will guarantees probate at death

• How a revocable inter vivos living trust avoids forced guardianship

• How to re-structure your client's estate plan so as to leave their assets in protected and insulated vehicles against creditors & divorce

• Understanding of the new federal estate tax laws

• Understanding of the new gift and generation skipping tax laws

• The impact of income tax on your client's estate plan
  How to protect all of your client's assets from Medicaid or Nursing Home Seizure - the myth of the "spend-down"

• How to capture 4 or 5 times the amounts of assets under your control at the death of your clients

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• PACE Credits - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: 
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Planning 106: EGTRRA 2001: The New Estate Tax Rules: (click each bullet point once to view details)

• Warning!!! NEW ESTATE TAX legislation always brings about misconceptions, confusion and mistrust. Clients can get lulled into a false sense of security and if things don’t work out they might wonder why their trusted advisor didn’t warn them. Your clients cannot win the Estate Planning Game if they do not know how to play and they won’t know how to play unless someone takes time to teach them. Come learn the New Rules and ways to help your clients play to win. Learn about the new rules for estate tax, gift tax and generation skipping tax. Also, learn all about the brand new income tax and capital gains tax rates and the sunset provisions for them.

What You Will Learn:

• Historical background of the Estate Tax: Where did it come from?

• Continuing Case Study of the Smith Family

• Winners and Losers: Who benefits the most? Who is penalized the most?

• Sunrise - Sunset: What really is this "sunset" provision, and how does it work?

• Incapacity Planning; Planning for Blended Families and Blended Estates

• Family Business Continuation - the impact of the new tax rules on our family businesses

• Personal Asset Protection and Life Insurance Leverage

• The new modified carry-over basis rules: How they slipped one by on us: a NEW capital gains tax

• Why most of your client's estates will NOT qualify for the new exemptions from the carry-over basis rules

• Why most existing living trusts fail to protect the surviving spouse under the new EGTRRA 2001 rules

• How to amend your client's estate plans to balance tax savings with protection of the surviving spouse

• How your client's surviving spouse will be completely disinherited from at least half of their estate at the death of the first spouse

Continuing Education Credit:

• CPAs - 3 hours

• Life & Health Insurance Agents - 3 hours

• PACE Credits - 3 hours

• CFPs - 3 hours

Course Number:

• FL Dept of Insurance: # 39958
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Planning 107: Women, Money and the Law: (click each bullet point once to view details)

• A Self-Defense Primer! A woman’s traditional role in our society is that of ‘caretaker.’ Regardless of whether she is a homemaker of has a career outside of her home, during a woman’s lifetime she first may take care of her own children, rearing them into adulthood and off and on their way. Next, she may take care of her parents and perhaps her in-laws, as they grow older and more dependent. Eventually, her husband may be the last person to receive her care. But once her husband leaves the scene, who is left to take care of the caretaker when she is the ‘last leaf on the tree?’

What You Will Learn:

• Historical background of the woman's traditional role of caretaker: but who takes care of her?

• Life Planning for women: upon incapacity who is her "caretaker?"

• Winners and Losers: Who benefits the most? Who is penalized the most?

• Fundamental concerns of caring for minor children and elderly parents

• Building inheritance protection for women through protective and dynasty trust planning

• Building in remarriage protection, remembering charities, and planning for pets

• Estate planning tools for women

• Financial planning tools for women

• How to choose a financial advisor

• Planning case studies of single women parents

Continuing Education Credit:

• CPAs - 3 hours

• Life & Health Insurance Agents - 3 hours

• PACE Credits - 3 hours

• CFPs - 3 hours

Course Number:

• FL Dept of Insurance: # 40200
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Planning 221: Life Insurance Necessities in Estate Planning: (click each bullet point once to view details)

• Nuts ‘n bolts development of an insurance portfolio for estate plans including basic revocable trusts, charitable remainder trusts, insurance for GRAT-based plans, continuing disability insurance plans, insurance for TCLAT & TCLUT exclusion periods, insurance for 2nd marriage specific plans, insurance for use with pre-nuptial agreements, design of basic irrevocable life insurance trust, design of ILIT with GST planning enhancements, insurance for GRAT estate tax inclusion periods (ETIP), and how to continue to control insurance money management following first generation deaths. Includes step-by-step workbook with checklists to guide you.

What You Will Learn:

• How to recognize the need for life insurance

• How to put it in simple terms: The Money Machine (insurance for a single life); The Property Insurance (estate tax insurance)

• Advantages of an ILIT; coupling an ILIT with a Family Limited Partnership

• Disability Insurance too! How many of your employed clients have set aside money in the event of their disability?

• Designing an estate tax insurance plan

• Designing a spousal access trust for each spouse

• Designing an inheritance equalization ILIT for families where assets will pass disproportionately to only certain children

• Designing a "Gift of Love" ILIT in 2nd marriage situations: insuring the life of the spouse with children but no money & creating an estate for his/her children

• A special ILIT for larger estates that employ a TCLAT/TCLUT combo to eliminate all estate tax (regardless of the size of the estate)

• How to design an ILIT to be coupled with a Grantor Retained Trust for insuring the Estate Tax Inclusion Period (ETIP period)

• How to capture 4 times or more of your client's total estate at their death for your future money management using life insurance

Continuing Education Credit:

• CPAs - 3 hours

• Life & Health Insurance Agents - 3 hours

• PACE Credits - 3 hours

• CFPs - 3 hours

Course Number:

• FL Dept of Insurance: # 38012
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Planning 303: Planning for Residual Commissions: (click each bullet point once to view details)

• Successful producers need to plan just as diligently for their own retirement, disability and death to protect residual commissions for themselves and their family. What happens in the event of Divorce? What impact will the IRS have on distributions? Do the advisor’s written agreements favor the advisor or the company? Who owns the client? How to plan for your family's ability to receive your residual commissions. Why your residual commissions are deemed to be income to your family after your death. How to plan for the "Mega Agent."

What You Will Learn:

• How to recognize the different categories of financial professionals: who has residual commissions?

• What are your own planning goals: what are your dangers, opportunities and strengths

• How to develop your own exit strategy

• Why most estate plans don't work - including yours

• How to implement dynasty trusts for yourself

• Overview of agent commissions

• Why are your future commissions deemed by the IRS to be Income in Respect of a Decedent (IRD)?

• Why are your future, uncollected commissions subject to federal estate tax even though you haven't collected them until after you die?!!

• How to value future, residual commissions -- what is contract structure: general agency or broker dealer or manager?

• Vested commissions and who owns your client, your or your company?

• How can you plan for your residual commissions to be collected after your death?

• Roll up companies and other lifetime options to protect your residual commissions

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• PACE Credits - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: # 41928
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Planning 402: Charitable Remainder & Charitable Lead Trusts: (click each bullet point once to view details)

• Basic CRT design and implementation; how to couple a CRT with an Irrevocable Life Insurance Trust; enhanced design of advanced CRTs: NIMCRUTs, SCRUT, SCRAT; how to use testamentary CRTs and CLTs to zero-out all federal estate taxes; how to couple your CRT with a Private Foundation or Supporting Organization; why Supporting Organizations may be better alternatives for your client’s private family foundation; how to design a Charitable Lead Trust today; how to design the complete CRT plan so you continue to advise or man-age the assets after first generation deaths; how to integrate a conservation easement into your charitable planning. Includes step-by-step workbook with checklists to guide you.

What You Will Learn:

• How to recognize client situations that call for either a Charitable Remainder or Charitable Lead Trust

• Why the Charitable Lead Trust is the most under-utilized estate planning tool today

• How to design a basic CRT

• What the differences are between annuity and unitrusts in both remainder and lead trusts

• How to effectively couple a CRT with an Irrevocable Life Insurance Trust

• How to use Testamentary Charitable Lead Annuity Trusts (TCLATs) to COMPLETELY zero out all federal estate taxes

• How to implement a family foundation in even the most basic of estate plans

• Why you would prefer a Supporting Organization rather than a Family Foundation

• How to design the estate plan using TCLATs so as to capture 100% of the client's estate as a managed account forever

• How to integrate a Conservation Easement into the estate plan

Continuing Education Credit:

• CPAs - 3 hours

• Life & Health Insurance Agents - 3 hours

• PACE Credits - 3 hours

• CFPs - 3 hours

Course Number:

• FL Dept of Insurance: # 38016
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Unauthorized Insurance Entities-Mandatory CE: (click each bullet point once to view details)

• Florida's MANDATORY two-hour CE course: When in the course of human events it becomes mandatory that the insurance agent take a course to complete continuing education credits it is not mandatory that the course be boring or uneducational. Learning what companies to avoid and how is just as important as learning what to acquire. Stay on the leader's list and off the loser's list. Join us.

What You Will Learn:

• Basic history, overview and rationale concern with unauthorized insurance

• ERISA Pre-emption and State insurance regulation

• Multiple Employer Welfare Arrangement (MEWA)

• Union plans, Associate plans, PEO sponsored health plans

• MEWA criteria

• Consequences for aiding and abetting an unauthorized insurer (conviction of a felony plus personal liability for unpaid claims

• Consequences for acting as an insurer without a license

• How to protect yourself from others -- how to stay out of trouble

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• PACE Credits - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: # 44491
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FLP/IRA Maximizer: (click each bullet point once to view details)

• FLP/IRA Planning might be better described as an IRA Maximizer for LARGE IRAs.  Learn how to increase creditor protection and investment flexibility while setting up greater income and estate tax savings.  "Strings Attached" can be a good thing:  provide creditor protection for children from their divorces!  Learn the advantages of giving away while retaining control.

What You Will Learn:

• Advantages and Disadvantages of IRAs

• How an FLP/IRA combo can afford greater creditor protection

• How to lower current income taxes for your clients

• How to lower estate taxes for your clients

• How to couple your IRA and FLP with an offshore trust for additional asset protection

• Case studies illustrating actual savings techniques

Continuing Education Credit:

• CPAs - 2 hours

• Life & Health Insurance Agents - 2 hours

• PACE Credits - 2 hours

• CFPs - 2 hours

Course Number:

• FL Dept of Insurance: # 45144
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