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.

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

Join us on July 22 at 3:00 p.m. ET for an engaging webinar that delves into the FPA Competency Model. FPA Membership Director Destre Downing and Hannah Moore, CFP®, founder of Guiding Wealth and Amplified Planning, will explore the why behind this groundbreaking initiative, what it entails, and how it can enhance your professional development. You’ll discover how this comprehensive, behavior-based framework goes beyond technical knowledge to focus on essential skills like communication, critical thinking, and leadership, all designed to elevate your success as a financial planner.

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

• Understand the key components and purpose of the FPA® Competency Model™ and how it supports professional growth in financial planning.
• Recognize the essential skills beyond technical knowledge, such as communication, critical thinking, and leadership, and how they shape the capabilities of financial planners.
• Learn how adopting and utilizing the FPA Competency Model can enhance financial planning effectiveness and success as financial planners.

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 July, Larry will be joined by guest Nik Brodisky and they will be discussing self-directed IRAs

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: N/A
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

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; 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.

As your partner in planning, FPA wants to ensure you're able to make the most of your membership. Part of that value comes from understanding how FPA can help you realize your vision of professional fulfillment through practice support, learning, advocacy, and networking. This orientation will give you the tools you need to do just that. Let us guide you through your FPA journey and highlight the exclusive member benefits at your fingertips. 

Not yet a member? JOIN TODAY

Competency Level: Foundational

FPA Competency: Professionalism, Advance the Financial Planning Profession

CFP Board Topic: N/A

CFP Board CE Credit Hours: 0

With seniors today controlling over $14 Trillion in home equity, and needing to plan for a 20 year or longer retirement, the inclusion of home equity in the planning process could enhance retirement outcomes. Join us as we discuss:

- What are the different options for using home equity, and when does it make sense to consider them.
- Can home equity address planning shortfalls such as inadequate long-term care protection, or excessive distribution rates?
- Can home equity bring cash flow and income tax efficiencies to a retirement plan?
- Other generational and wealth transfer opportunities. 

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.

By the end of the presentation, participants should be able to:

• have a broad based understanding of a reverse mortgage and how it works. 
• determine if home equity can solve for planning shortfalls, adding safety and security to a retirement. 
• identify which client profile could benefit the most from including home equity in their retirement plan. 

Competency Level: Intermediate

FPA Competency: Critical Thinking

CFP Board Topic: Retirement Savings & Income Planning

CFP Board CE Credit Hours: 1