BW Premier Denham Inn & Suites
5207 50th Ave, Leduc, AB T9E 6V3


Tuesday April 25, 2023 - Marquis Room

7:00 AM - 7:45 AM Registration in the Marquis Room

7:45 AM - 8:00 AM

Mike Englert B. Ed., EPC

  Founding Faculty Member, Compliance Officer CIEPS

Mike's Bio


  Official Welcome

8:00 AM - 8:50 AM

Jim Ruta


Founding Faculty Member CIEPS

Jim's Bio

How to Design a Maximum Income Retirement
Jim Ruta BA., RHU., EPC - Founding Faculty Member CIEPS

Let's face it. If you retire at 65 and die at 72, no one really has any trouble designing their retirement. But, if you retire at 72 and live to be 92 but run you out of money at 82, well, that's a different story. 

Designing a Maximum Income RetirementTM can't start when you are booking that bucket list around-the-world cruise if you want to be successful. That design work must start much earlier and this all-new presentation from Jim Ruta, accounts for the best advice of Advisorcraft's amazing SOLIS faculty and the precepts in his book, "Don't Worry, Retire Happy" with Tom Hegna and Mike Morrow. 

Research shows that retirees all share 3 fears

1. Will my money last as long as I do? 
2. Will my life have meant something? 
3. And will there be anything left over to leave to the people I love? 

In Jim's signature high-energy, story-telling style you'll find out how to reduce or even eliminate those fears. You'll learn an old idea that has become new again in the uncertain post pandemic world.

You'll rediscover an "old friend" that has stood the test of time and that can allow you to spend all your retirement money and more "guilt free". You'll get a design plan to help your clients who will be elders one day know that they will be okay when the time comes, regardless of what happens in the meantime. 

They can have a Maximum Income Retirement and the peace of mind and quality of life they want.
9:00 AM - 9:50 AM

Amanda Richards BA CPCA, EPC

Chartwell Retirement Residences

Amanda's Bio

From Clinical to Cruising: The Evolution of Senior Living Lifestyle Options

Leveraging our preconceived notions of antiquated care homes as the springboard into a conversation about the evolution of senior living lifestyle options and their associated health benefits, this lively session is guaranteed to get you excited about what the future has in store. From clinical institutions to vibrant, active, cruise-style living, the senior care sector has undergone a massive evolution in recent decades. 

Senior clients now have a plethora of options to consider based on their individual health requirements and preferences. Learn more about the various options available and their associated health and wellness benefits as well as what the future has in store for the sector. Participants will glean important information about how to help their clients rethink senior living and understand their options. 

The advisor will leave this presentation with a reconfirmed desire to ensure that their clients and prospects have provided additional retirement income or Long Term Care insurance to cover future senior living.  
10:00 AM - 10:50 PM

Tania Melnyk, Regional Director
Western Canada

Manulife Bank

Tania's Bio

 Providing Cash Flow Flexibility For Canadians Preparing For, Transitioning To, And Actively Enjoying Retirement

Economic uncertainty, market volatility, inflation, and rising interest rates pose a real and worrisome risk for Canadians in the10 years leading up to and 10 year following their retirement date. 

This 20 year span is the retirement risk zone.  Manulife Bank believes there is an opportunity for financial advisors to provide Canadians in the retirement risk zone with cash flow flexibility that reduces the impact of economic headwinds and the vulnerability of retirement savings and income.
11:00 AM - 12:00 PM

Rod Burylo, CIM, FCSI

Rod's Bio

Risks and Rewards of Private Securities for Seniors

Rod Burylo CIM, FCSI

Rod Burylo will provide insight into the nature of private securities and their potential risks and rewards especially for seniors. 

Students will learn about how to source attractive private investments and how to help aging investors to determine if such investments are suitable. 

Burylo will provide tips on how advisors can help protect investors from con-artists and investment scams. 

12:00 PM - 1:00 PM Buffet Lunch Provided
1:00 PM - 1:50 PM

Mike Englert
B. Ed., EPC

  Founding Faculty Member, Compliance Officer CIEPS

Mike's Bio
Back to the Future
Mike Englert B. Ed., EPC, Compliance Officer,
Founding Faculty Member CIEPS

Ah, the future! What will it look like? How can we plan for it? What opportunities will it present?

Sadly, we have no crystal ball. The tea leaves fail us. The stars will not align. When it comes to predicting the future, we are as dumb as dogs.

And as for the "experts"... well, they have proven to be even dumber than dogs! They predicted that the S&P 500 would rise modestly in 2022 (it fell by almost 20%). They told us that inflation was temporary (it continues to rage).  They predicted that the Canadian Bank Rate would end 2022 at 0.50% (it finished the year at 4.25% - they missed the mark by a mere 800%). A monkey on a typewriter could have done better than these clowns!

In this presentation we are going to bravely (or foolishly) attempt to identify the best ways to protect and grow your elder client's retirement portfolios in the years to come. In the process we intend to rely on the only thing that can accurately predict what is likely to happen in the future: the past. 

History doesn't repeat itself, but it does tend to rhyme, and history will be our guide as we boldly travel "back to the future."   
2:00 PM - 2:50 PM

Karen Henderson Hon. BA, CPCA

Long Term Care Planning Network

Karen's Bio

Long Term Care Planning: Will It Be A Dog Eat Dog World?
Karen Henderson Hon. BA, CPCA - Founder/CEO
Long Term Care Planning Network

We know we will age and need care of some sort, but ageing Canadians and their professional advisors have long ignored the need to plan for long term care. Why? 

* The need is too far out in the future

* There's lots of time left to do this

* I don't know what to do, where to go

* it's just too difficult

Yes, planning can be challenging but it can - and must - be done.


We need to understand the health care system where we live, plan where we wish to age and live out our lives and communicate our wishes to family members and health care providers. COVID-19 has only reinforced the need to plan. And it's not just about the money - it's about planning for risk and coping with rising inflation. 

And don't forget - Canada's ageing population is on the rise, but we don't have the resources to match. Will there end up being competition for care?

The future of care in this country is hanging by a thread. Now is the time to step up and stand out by doing what needs to be done for your clients, your families and yourself. You have what you need - my tools and available training and coaching.

Seize this amazing opportunity and benefit from growing revenues, a growing client base and tremendous satisfaction from doing the right thing.

2:50 PM - 3:00 PM
Coffee Break
3:00 PM - 3:50 PM

Paul Fawcett CFP, CHS, CLU, EPC

Paul's Bio
Charitable Giving With Life Insurance In 2023: Leave a Legacy and Leave More for Your Loved Ones 

Have your clients ever wondered how they can give back to their community impactfully? As you work with them on estate planning, including a charitable giving component can be advantageous in minimizing the reduction of their wealth due to taxes during their lifetime and at death. 

Both federal and provincial governments provide tax incentives to encourage charitable giving by Canadians.  

We are a compassionate people that routinely give generously to  charities. Collectively, donations run into the billions and there are thousands of eligible charities out here. Are you clients aware of the magnifying effect of using life insurance for their Philanthropic passions. The demographic that donates the most are people over age 65.  

An opportunity exists to increase your client's bequest and provide generous tax benefits to their estate. We will review the various options that exist using life insurance, and the benefits from a tax planning perspective.

There has never been a better time for Canadians to include large gifts as part of their tax, financial and estate plan.
4:00 PM - 4:50 PM

Simon Reilly

Leading Advisor

Simon's Bio

Forget Change and Embrace Transition In The New World Economic Disorder

Creating a future where everyone can thrive requires radical new ways of viewing the world. One thing guaranteed in this world is change, yet most of us and our clients struggle with change because change is unsustainable. Why?

As a financial services professional, you're often the Gandalf of change in your client's lives. Their financial goals and situations may have varied during their transitions. Whether they were affected by the big shift to technology in the workplace, stock market shifts, or are worried about the recession, you're the guide and sounding board they need while they navigate their personal and career transitions. 

Change takes place in many forms - whether they're combining assets when committing to a new relationship, welcoming a baby, taking the next step in their career, creating a succession plan, or retiring. However, consider the importance of the transition within yourself to stay aligned with your pursuit of purpose. Understanding the difference between the two is crucial so that your mindset can catch up with the world around you and you get fired up for new beginnings. 

The Difference Between Change vs. Transition

It's not uncommon for you to hear people talk about change and transition like they mean the same thing. Transitioning your parents to a retirement home involves a deep inner process that may take both you and them longer to embrace than the actual physical change of their home and lifestyle that takes place. It can provide a change in your client's financial outlook as well as the mental transition for them to get used to becoming the caretaker for their parents.

Change is a specific event that you can point to - the day you lost your job, the day your significant other moved in, the day your significant other left, when you started a new career or are planning for your succession. But focusing on the change differs from what will align you with your purpose going forward. You must go through the stages of transition and the psychological process to adapt to long-term change. Whether you're going through this yourself or guiding your clients through it, this perspective is crucial for sustainable growth in the right direction.

Join Simon Reilly of Leading Advisor Inc. to understand;

* The Six P's Of Transition; Personal, Physical, Psychological, Pandemic, Professional, Purpose

*The Three Stages Of Transition;

1. Letting Go!
2. The Awkward Middle
3. New Beginnings And Excitement!

Understanding transition gives you the wisdom to clarify your purpose, and why, make course corrections, get things wrong, experience doubt, build experience, recognize wins, celebrate milestones, and manage your narrative towards a purposeful growth mindset.

Are you ready to move past the complications of change and embrace the journey of a transition? 

You don't have to do it on your own. At Leading Advisor, we help you navigate through your awkward middle and streamline the process that allows you to make your way to new beginnings with strategy, support, and guidance.
4:50 PM Closing Remarks, Adjourn

Agenda subject to change

Canadian Initiative for Elder Planning Studies Inc.
203-4438 Ontario Street, Beamsville, ON L3J 0A4

Toll Free Phone 866 833-8606  Toll Free Fax 866 209-5111

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