This program fulfills the requirement for CFP Board approved Ethics CE. This program is designed to educate CFP® professionals on CFP Board's Code of Ethics and Standards of Conduct, which is effective July 1, 2024.

• Recognize when you are providing financial advice 
• Apply the Fiduciary Duty
• Describe when Financial Advice requires Financial Planning and the additional obligations that apply
• Identify duties when using or referring other service providers or technologies
• Describe the process the CFP Board follows to uphold the Code and Standards
• Determine what information must be provided to the Client and when to document the exchange of information

Enhance the effectiveness of the work you do with your clients by taking a multidisciplinary perspective of the dynamics at play in your relationship, in how you communicate, and in your client’s financial beliefs, behaviors, and decisions. During this presentation, Amy will demonstrate how to apply insights and knowledge from psychology, neurology, and biology to the work you do with your clients to increase effectiveness in the relationship and financial planning process.

Competency Level: Intermediate
FPA Competency: Critical Thinking
CFP Board Topic: Psychology of Financial Planning
CFP Board CE Credit Hours: 

• Gain insight into how to increase effectiveness in the work you do with your client by learning how to integrate concepts and theories derived from various disciplines including behavioral finance, positive psychology, and biology into your client meeting process.
• Understand how relevant information such as core values, perspective, belief, and attitudes influence the clients’ level of engagement and motivation to participate int he financial planning process.
• Learn how to fine tune your communication and the way that you present your recommendations to better engage your clients and illicit more follow-through

If you’re like most financial advisors, your crypto allocation is zero or, at most, limited to low single digits. Ric Edelman will share his new asset allocation model where he will explain why the 60/40 glidepath is dead – and the correct crypto allocation you need to provide each of your clients.

Competency Level: Foundational
FPA Competency: Critical Thinking
CFP Board Topic: General Principles of Financial Planning
CFP Board CE Credit Hours: 

• Evaluate the limitations of the traditional 60/40 portfolio construction model. 
• Determine the appropriate cryptocurrency allocation percentages for client portfolios. 
• Develop practical implementation strategies for adding cryptocurrency exposure to client portfolios.
• Understand the evolution of cryptocurrency from speculative investment to potential fiduciary consideration.

Brought to you by the Women & Finance Kbowledge Circle: 

As the year winds down, we’re exploring a book that meets us right where many of us are—balancing careers, clients, families, and our own seasons of change. In Wintering, Katherine May reframes difficult periods as natural, cyclical “winters” that invite rest, reflection, and intentional renewal. It’s a timely, compassionate read for advisors who carry so much for others—and could use a practical, human framework for caring for themselves, too.

What we’ll discuss (light prep, rich conversation) - if you decide to join, please be prepared to have your video on and are ready to engage in active conversation:

• How “wintering” shows up in our work and lives—and how to normalize it for ourselves and our teams
• Personal rituals and boundaries that sustain us through busy seasons (and how to make them stick)
• The advisor’s role: holding space for clients in their winters without burning out
• Practical resets to finish 2025 well and enter 2026 with clarity

Format:

• Group discussion

How to prepare:

• Read Wintering (or listen to the audiobook)
• Jot one passage that resonated and one practice you’d like to try this winter
• Purchase options:
• Amazon: https://www.amazon.com/Wintering-Power-Retreat-Difficult-Times/dp/0593189485
• Goodreads: https://www.goodreads.com/book/show/52623750-wintering

Competency Level: Foundational
FPA Competency: Interpersonal Impact
CFP Board Topic: N/A
CFP Board CE Credit Hours: 0

Join us for a look at how registered index-linked annuities (RILAs) with an income rider can help fund future expenses in a modernized, asset-and cost-efficient strategy. This presentation will focus on clients who already have a high probability of success within the financial planning model. By utilizing a RILA within a financial strategy, we will show how a structured annuity can help manage the potential downside risk of a client’s overall portfolio, potentially increase drawdown efficiency, and add a level of protection from uncertain expenses in a tax-effective manner. 

This content is for general educational purposes only. It is not, however, intended to provide fiduciary, tax or legal advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Allianz Life Insurance Company of North America, its affiliated companies, and their representatives and employees do not give fiduciary, tax or legal advice or advice related to social security or Medicare. Clients are encouraged to consult their tax advisor or attorney or Social Security Administration (SSA) office for their particular situation.

RILAs provided indexed return potential with the opportunity for varying levels of protection through multiple index options available prior to receiving annuity payments, tax-deferred growth potential, a variety of annuity options, and a death benefit during the accumulation phase.

Competency Level: Foundational
FPA Competency: Critical Thinking
CFP Board Topic: Retirement Savings and Income Planning
CFP Board CE Credit Hours:

• Understand the impact of unexpected health care costs on retirement planning. Learners will be able to explain how unplanned medical expenses, such as long-term care or nursing home costs, can affect retirement income, asset longevity, and overall financial security.
• Evaluate strategies for helping fund health care costs in retirement. Learners will be able to compare traditional approaches (self-funding, long-term care insurance, product-based solutions) and assess how each can help mitigate the financial risks associated with health care needs in retirement.
• Analyze the role of guaranteed lifetime income products seeking to improve retirement outcomes. Learners will be able to describe how incorporating guaranteed income sources, such as annuities with an income multiplier benefit that is included with an income benefit rider, can increase the probability of retirement success, reduce reliance on portfolio withdrawals, and help provide financial stability in the face of longevity and market risks

Brought to you by the Business Success Knowledge Circle, during this presentation we will first explore national trends in charitable giving. Next, we will discuss what motivates people to give to particular charities. And we will conclude by reviewing ways that financial planners might help their clients to include charitable giving in their plans, for mutual benefit. 

Competency Level: Foundational
FPA Competency: Client Care & Communication, Critical Thinking
CFP Board Topic: Estate Planning 
CFP Board CE Credit Hours: 0

Brought to you by the Applied Behavioral Economics Knowledge Cirlce: This presentation will discuss:

• What we normally think of in the situation of fight/flight/freeze
• How fight/flight/freeze is healthy and natural
• Why does it show up in Financial Advisor appointments with clients
• What to do and what not to do when encountering fight/flight/freeze in client appointments

Competency Level: Interpersonal Impact
FPA Competency: Fiundational
CFP Board Topic: N/A
CFP Board CE Credit Hours: 0

Larry Pon wants to continue the tax conversation with you! Have questions? Larry has answers! Join us for a LIVE Q&A session where Larry answers your tax-related questions and provides up-to-date insight on laws and regulations. 

In September Larry will be joined by Dien Yuen and they will be discussing Impact Investing

If you have questions ahead of time, you can send them to learning@onefpa.org. 

Competency Level: Advanced
FPA Competency: Critical Thinking, Leadership
CFP Board Topic: Tax Planning
CFP Board CE Credit Hours: 0

In this session, participants will explore the strategic use of reverse mortgages as a financial tool within a comprehensive retirement income plan. We will examine how reverse mortgages can impact tax liabilities, address risks such as long-term care costs, sequence of returns, and sustainable asset withdrawal rates. The discussion will also cover whether the home should be treated as a standalone legacy asset or integrated into a broader income and legacy planning strategy. Additionally, we will identify client profiles most likely to benefit from including a reverse mortgage in their retirement plan and delve into the emotional and behavorable biases — from both consumers and financial professionals — that often influence decision-making in this area. By the end of the session, participants will gain a deeper understanding of when and how reverse mortgages may be an appropriate addition to a retirement income strategy.

Competency Level: Intermediate
FPA Competency: Critical Thinking
CFP Board Topic: Retirement & Income Savings Planning 
CFP Board CE Credit Hours:

• Evaluate the role of reverse mortgages in retirement income planning, including their impact on tax strategies, healthcare costs, and sequence of returns risk.
• Differentiate between treating the home as a legacy asset versus integrating it into a comprehensive retirement and estate plan.
• Identify client profiles suited for reverse mortgage strategies and recognize emotional and behavioral biases that influence decision-making by clients and advisors.

This webinar presents findings from Kansas State University's survey focused on practitioner challenges and opportunities in the financial planning profession, with a special emphasis on client psychology competencies. Unlike traditional surveys that center on compensation or firm-level trends, this study captures relevant insights into the emotional, relational, and psychological “pain points” practitioners face in client work. Attendees will explore key pain points in the Psychology of Financial Planning, discover areas where additional training is needed, and review practitioner-identified topics in need of further research. The session will also discuss strategies for improving the accessibility and relevance of academic research in practice.

Competency Level: Intermediate
FPA Competency: Interpersonal Impact
CFP Board Topic: Psychology of Financial Planning
CFP Board CE Credit Hours:

• Identify the most significant challenges financial planners face in the Psychology of Financial Planning and recognize opportunities for targeted training to address these pain points.
• Evaluate key topics within financial planning that practitioners believe would benefit from further research, and understand their potential impact on client work.
• Reflect on potential ways to disseminate research findings to practitioners to enhance the practical application of research in the financial planning industry.