Approved IAR CE Courses

As clients move from early career through retirement, aligning budgeting and cash flow strategies with

evolving financial priorities becomes increasingly important. Join us for an interactive webinar exploring

Practical approaches advisors can use to help clients build confidence and long-term financial stability at every

stage of life. Topics include:

- Budgeting strategies for millennials balancing debt, savings, and lifestyle goals

- Key considerations for pre-retirees fine-tuning cash flow before retirement

- Best practices for retirees managing income, withdrawals, and spending

Client expectations continue to expand. Clients are looking for deeper financial planning across a range of facets of their financial lives and expect to receive these services without increasing their fees. This puts advisors in a difficult position.

In this session from Michael Rose, Director of Wealth Management at Cerulli Associates, we will explore the evolving financial planning landscape: what clients are looking for, what advisors currently offer, and what new services are gaining traction in the industry.

The session will utilize quantitative and qualitative data from Cerulli Associates research to provide attendees with a clear understanding of the state of the industry, and areas that they should consider exploring within their own financial planning practices. The session will also address the rise of artificial intelligence (AI) solutions, and areas that advisors are currently leveraging these tools within their practices.

The session will cover how the services offered by firms may differ depending on factors like firm size and resources, as well as the impact that offering expanded services could have on firm growth. As a part of this conversation, Michael will address some of the common pain points advisors may experience when trying to expand their offerings, and key learnings from advisors that have effectively implemented these expanded services.

This presentation uses a series of case studies to demonstrate the distinct financial needs and opportunities for Childfree clients. It is designed to equip financial planners with the knowledge to create meaningful plans that prioritize a Childfree client's "amazing life" over simple wealth accumulation for the next generation. The case studies explore personalized strategies for real clients, addressing topics such as estate and insurance planning, planning for long-term care (LTC) without family support, using Donor-Advised Funds (DAFs) for tax-efficient charitable giving, and exploring annuities with healthcare multipliers for international LTC coverage.

Behavioral finance shapes financial planning, and AI is changing client behaviors. With more than half of Americans turning to AI for financial guidance, clients increasingly arrive with conclusions already formed (JD Power). Join us for a presentation where we will discuss:

- How Dual Process Theory explains client decision-making, and why AI now acts as a third processing system
- The core cognitive biases shaping client behavior, including herd mentality, loss aversion, heuristic simplification, present bias, and deference to algorithmic answers
- Practical planning strategies to account for AI influences and framing techniques that resonate with client needs

Clients often want to pay less tax, but effective tax planning rarely comes from focusing on a single-year tax bill. It requires advisors to understand how current decisions interact with future income, retirement distributions, charitable goals, estate transfers, and the client's broader financial plan.

In this live fireside chat, Jeffrey Levine will give investment adviser representatives and financial planners a practical framework for evaluating tax-planning opportunities across the client lifecycle. Attendees will examine how marginal rates, effective rates, adjusted gross income, and taxable income affect recommendations; how the timing of income, deductions, retirement contributions, Roth conversions, distributions, and asset transfers can influence lifetime tax outcomes; and how retirement and estate-planning decisions can create or eliminate planning opportunities.

The session will also address how advisors can communicate tax-planning observations, coordinate with tax and legal professionals, and use technology to analyze client scenarios without treating software output as a substitute for professional judgment. Through practical examples and guided engagement, attendees will leave better prepared to identify tax-planning considerations, evaluate tradeoffs, and integrate tax awareness into client recommendations.

Research shows that while most Americans recognize the importance of planning for long-term care, many have yet to put a strategy in place. As a trusted advisor, you have an opportunity to help clients prepare for one of retirement's most significant financial risks. Join us for an interactive presentation where we will discuss:

• The current costs of long-term care, including in-home health care, assisted living, and skilled nursing facilities
• The key differences between traditional and hybrid long-term care insurance solutions, along with important planning considerations
• Proven strategies for modeling long-term care scenarios and presenting effective funding solutions to clients

With approximately 43 million Americans carrying more than $1.8 trillion in federal student loan debt, understanding repayment options has become an essential part of financial planning.  Recent legislative changes under the One Big Beautiful Bill Act have reshaped the federal student loan repayment landscape, making it more important than ever for advisors to help clients evaluate their options and prepare for upcoming transitions.  Join us for an interactive webinar focused on:

- An overview of the new Repayment Assistance Plan (RAP) and its potential impact on repayment strategies

- The phaseout of the SAVE and PAYE repayment plans, including key transition deadlines and considerations

- A comparison of available repayment options to help identify strategies that align with clients’ financial goals