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.

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 August, Larry will be joined by Brian Wruk and they will be discussing Canada/US Taxes

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

Brought to you by the Special Needs Planning community: One of the keys to proper Disability & Special Needs Planning is to help a family take advantage of every possible public benefit, while working to build independence from them. Many of our loved ones will outlive us. When they do, we must leave sufficient funds in the right vehicles to support their remaining life. The only way to know how much to leave behind, is to first understand what they can expect to receive--often in the form of SSI or SSDI. 

In this discussion, we will focus on crucial social security strategies to maximize benefits to disability families. 

Competency Level: Foundational
FPA Competency: Critical Thinking
CFP Board Topic: Retirement Savings & Income Planning
CFP Board CE Credit Hours: 0

Brought to you by the Neurodivergent Planners Knowledge Circle: Have you ever spent your day busy doing valuable tasks but still found that you didn't make progress on the one thing you promised yourself you'd do? Me too! As financial planners, firm owners, and small business people there are MANY valuable and worthy tasks that help your clients, help you, and give you the satisfaction of completion. BUT, these are often not the tasks that matter most for changing lives including your own, and the hours and days, weeks and years can easily pass by. I'll share what I have learned that has helped me do what matters more consistently. 

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

Brought to you by the Tax & Estate Planning Knowledge Circle: The Tax Cuts and Jobs Act will be expiring by the end of 2025, but in its place will be many tax provisions in The One, Big, Beautiful Bill. We will be reviewing the latest provisions in this tax bill and talk about what your clients need to do before the end of the year since some tax breaks may be gone at the end of the year. There are also many new tax provisions to learn about.  

Competency Level: Intermediate
FPA Competency: Critical Thinking
CFP Board Topic: N/A
CFP Board CE Credit Hours: 0

Brought to you by the International & Cross-Border Planning Knowledge Circle: In this mobile society, clients don’t always stay put. Many folks may leave the US temporarily, or permanently and of course, many people move to the US for the first time. This can include clients with assets spanning multiple borders, citizenship in more than one country, children living abroad, etc. and all have unique complexities that must be dealt with. This presentation will provide a framework to help you tackle the Int’l client and then cover some of the “Oops” and “Ah Ha!” moments.

Disclaimer: The views and opinions expressed in FPA Learning Sessions are those of the speaker(s) and do not necessarily represent the views or opinions of the webinar organizers.

Competency Level: Client Communication & Care
FPA Competency: Intermediate
CFP Board Topic: General Financial Planning Principles
CFP Board CE Credit Hours:

• By the end of the presentation, the participant will be able to…Have a better understanding of the issues to consider with a cross border client
• By the end of the presentation, the participant will be able to…Understand some of the pitfalls/opportunities with a cross-border client
• By the end of the presentation, the participant will be able to…Have a broad knowledge of how to advise a cross-border client

Presented by the Women & Finance Knowledge Circle: Recent events in the middle east and Ukraine have caused many to consider how they might approach personal continuity within an extreme situation. In this session, Libretto will explore the challenges triggered by extreme events and establish a framework for developing a tailored set of protective solutions.

The session will advance your understanding of designing a personal continuity plan and tailoring it to a desired level and type of stress protection. In this session, Jeff Coyle, founder of Libretto and former advisor with 25+ years of experience managing ultra-affluent clients, will discuss:

· Protective Tiers
· Addressing stress assuming functioning institutions
· How do we approach an environment when institutions fail?
· Potential solutions and applications
· Designing your personal continuity plan
· Ramifications

Competency Level: Intermediate
FPA Competency: Interpersonal Impact
CFP Board Topic: General Financial Planning Principles
CFP Board CE Credit Hours: 

Self-study exam based on a thorough understanding of articles that include the topics of: Client and planner attitudes, values, biases; Behavioral finance; Qualified and Non-Qualified Annuities; and Planning for special needs and circumstances. 

 After reading and understanding the two articles required for this exam, the planner will:

• OCEAN behavioral associations with annuity ownership
• How Medicaid compliant annuities can help middle-income clients afford healthcare without depleting assets
• How to assist business-owner clients in optimizing the value of their business
• How to resolve barriers clients have to establishing an estate plan

Self-study exam based on a thorough understanding of articles that include the topics of: Client and planner attitudes, values, biases; General principles of effective communication; Health insurance and health care cost management (individual and group); and Insurance policy and company selection.

 After reading and understanding the two articles required for this exam, the planner will:

• How the words one uses to describe retirement can be associated with their current life stage
• Possible subsidy reductions to the ACA marketplace and alternative solutions.