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X-WR-CALNAME:NAIFA-AZ Association Representing Licensed Insurance Agents
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X-WR-CALDESC:Events for NAIFA-AZ Association Representing Licensed Insurance Agents
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DTSTART;TZID=America/Phoenix:20190718T084500
DTEND;TZID=America/Phoenix:20190718T233000
DTSTAMP:20260503T154947
CREATED:20190610T232606Z
LAST-MODIFIED:20190726T191552Z
UID:1734-1563439500-1563492600@naifa-az.org
SUMMARY:NAIFA Live! Cracking the Retirement Income Code
DESCRIPTION:Cracking the Retirement Income Code \nThursday\, July 18\, 2019\n8:45 – 9:15 a.m.: Tech Check in from Watch Party Sites \n9:15 a.m.: Live Broadcast and CE Review \n9:20-10:10 a.m.: Curtis Cloke presentation part I \n10:10-10:20 \n a.m.: Break \n10:20-11:10 a.m.: Curtis Cloke presentation part II \n11:10-11:30: Q&A and Discussion at Watch Party Sites \nBy: Curtis Cloke\n2 CECs \nREGISTER HERE \nAGENDA \nIntroduction to Course \n(5 mins.) A. Goals \n\nNew ways to secure retirement income in retirement\nClient Education – outline retirement fears and risks\nProduct Allocation to income allocation before asset allocation\nDiscuss three basic retirement income methods\nDiscovery of the Household Balance Sheet\nFraming comparable solutions\n\n  \nKey Elements of the Process \n(15 mins.)  A. Know Your Client – Getting to the Heart of the Matter \n\nWhere are you from\, and what was it like growing up\nWhat did you learn about money growing up\nWhat is the hardest lesson you’ve had regarding money?\nWhat is the best experience you’ve had regarding money?\nWhat would you do with your time if no one paid you?\nQuestions\n\n  \nFoundational Realities\, Fears and Risks \n(10 mins.) A. Math and Science: Nominal vs. Real Returns \n\nU.S. expenditures for major entitlements since 1971\nBaseline projections for 2014-2024\nReal Real Returns\nDALBAR Study 2015\n\n  \nFive Fears of Retirees \n(5 mins.)  A. Outliving your money \n\nControl of your money\nInflation\nLegacy\nInvestment mistake\n\n  \nFive Financial Risks – Taking \n(15 mins.) A. Longevity Risk \n\nHealth care risks and medical inflation\nInflation\nSequence of Returns Risk\nMarket Volatility\n\n  \n(10 mins.)        Break \n  \nTaking Other Key Risks Off the Table \n(10 mins.)   B. Stages of Life and Risk \n\nThe retirement red zone – 10 years before and after retirement\nTraditional investment mix\nGuaranteed life protection\nAligning risks with product allocation\nAnnuities\nCash/bonds/alternatives\nEquities\nInsurance – life\, LTC and liability\n\n  \nGuaranteed Lifetime Income Products \n(15 mins.)  A. Guaranteed Lifetime Withdrawal Benefit Rider (GLWB) \n\nSingle Premium Immediate Annuity (SPIA)\nDeferred Income Annuity\nComparison GLWB/DIA\nIncome Annuity Benefits\nAdditional security during retirement\nDependable and predictable income\nProtection against inflation\nPortfolio diversification\n\n  \nThree Retirement Income Strategies \n(10 mins.)    A. Systematic Withdrawal Income Plan (SWIP) \n\nBuckets/Laddered/Progressive Time Segments of Money\nRetirement Income Floor/Guaranteed Income Solutions\n\n  \nRetirement Strategy \n(10 mins.)  A. Making the Impossible Possible \n\nBuy Income and Invest the Rest\nMaximize tax efficiency\nBracket-bump Roth conversions\nSocial Security optimization\nMinimize fee-drag\nInflation-adjusted lifetime income\nDivide and Conquer\nDefensive plus Offensive\nPromised Based vs Risked Based Income assets\nGrowth assets\nLegacy assets\n\n  \nAdvanced Strategies Case Study: \n(15 mins.) A. Goals and Objectives \n\nThe 4 L’s of Retirement\nKey Core Measurements\nRecommendations\nPros and Cons\n\n  \nREGISTER HERE
URL:https://naifa-az.org/event/naifa-live-cracking-the-retirement-income-code/
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DTSTART;TZID=America/Phoenix:20190731T120000
DTEND;TZID=America/Phoenix:20190731T130000
DTSTAMP:20260503T154947
CREATED:20190726T193408Z
LAST-MODIFIED:20190726T194413Z
UID:1825-1564574400-1564578000@naifa-az.org
SUMMARY:Ethics for Insurance and Financial Professionals: Questions for Consideration and Discussion - CE Event
DESCRIPTION:Ethics for Insurance and Financial Professionals: Questions for Consideration and Discussion. Great news! This webinar is approved as 1 hour of continuing education CE in Arizona. \nREGISTER HERE
URL:https://naifa-az.org/event/ethics-for-insurance-and-financial-professionals-questions-for-consideration-and-discussion-ce-event/
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