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Edmonton Conference 2019

Wednesday June 19

8:00 AM

Continental Breakfast

8:50 AM

Opening Remarks – Mike Englert B. Ed., EPC
Compliance Officer, Founding Faculty Member CIEPS

9:00 AM –9:50 AM

 
Peter Wouters, RFG, AIAA, ARP, TEP, FLMI, RHU, CFP, CLU, CHFC, ACS, ALHC, CPCA, CHS, AFSI, EPC

Founding Faculty Member & Faculty Chair CIEPS

Peter's BIO

Making the Connection: Strengthening the Relationship

Gone are the days of the one size fits all approach to financial, estate and retirement planning, if those days ever could withstand close scrutiny. Ongoing studies and feedback from consumers are unveiling new realities about what's important to them, how they want to be treated, the importance of a holistic approach to client development and why it's relevant for professionals who service them. 

This session provides thoughts and factors that show how embracing holistic, comprehensive financial planning can provide a way for advisors to survive, let alone thrive in this much more demanding, discerning and disruptive world. Attendees will learn how this approach focuses on helping aging clients achieve their financial and life goals. Equally important, attendees will find out how It helps clients achieve their life purpose and sense of fulfilment. It can do these things while providing clients with a roadmap to navigate the difficult decisions they need to make in their lives—many of which have financial implications.

10:00 AM – 10:50 AM
Earl Robertson

Earl Robertson, CPCA CEA., CPC., EPC

Purple Shield of Canada

Earl's BIO

Good/Better/Best Holistic Funeral Preplanning

Successful people make GOOD plans during their lifetime. They find it BETTER to write these plans down. These plans become BEST when they are acted  upon physically and monetarily.

In this presentation, Earl will look at the years leading up to retirement and the need for funeral preplanning.

1 to 25 years

That’s a GOOD time to plan for a future career. It’s BETTER to decide how to make that happen academically and BEST to consider funding the career aspirations.

25 to 50 years

It’s GOOD to plan so the career can accomplish goals for a young family (house, kids, health), and BETTER to put down (by way of planning) how to make this happen, e.g. Budgeting for the household.  It’s BEST to fund that budget for emergencies and paying down debt, e.g.  a house.

50 to Retirement

A GOOD time to start planning for retirement at a time when income starts to peak and BETTER to consider the many retirement options to choose from and they may vary as to how you put the plan together. The BEST is to implement the plan by funding an ample amount for what could be an undetermined number of years.

Funeral Preplanning

Earl will address the 2 areas of delay in many peoples lives.  These are Funeral Preplanning and Will Planning, in this order.

Both these areas are paramount in life planning for the emotional and financial well being of the family, as well as, the person who is drafting them.

Unfortunately, they are neglected far too long or never completed.

When it comes to Funeral Preplanning, GOOD means taking the time to consider a plan that can help. BETTER is drafting a structured Funeral Plan that can be easily understood by survivors and accommodate last wishes.  BEST is to fund that plan, so the wishes and memories don’t leave the family in emotional and financial difficulty.

Earl will provider each attendee with a Wishes and Memories Book, complete with World Wide Travel information on passing away anywhere in the world. He will review the process from plan purchase and Final Document Service information where the participants complete necessary funeral documentation. 

This book will show how a professional Funeral Plan works. In addition, Earl will provide a pen for ease of making notes in the handout.

10:50 AM

Coffee Break

11:00 AM – 11:50 AM

Micheline
Micheline Maes
, CFP., CDFA., RFM., EPC

Maes Consulting

Holistic Planning for The Grey Divorce

In this session, Micheline will share her experiences as a family mediator when dealing with baby boomer clients. Identifying and recognizing the needs of the baby boomers going through divorce requires a very different approach than for younger clients.

The Silver Tsunami is real, and it is happening now. We will look at trends and unique opportunities to involve other professionals who can help in a total needs approach. The professionals involved must look beyond the numbers. This presentation will go through a case study from the initial approach by the client, through a negotiation/mediation process and follow through tips. We will also discuss how a as professionals we can build a team around baby boomers going through an often very difficult life transition

“What was true in the morning of our lives, no longer holds true in the afternoon” – Dr.Wayne Dyer

12:00 NOON

  Buffet Lunch Provided

1:00 PM – 1:50 PM

Jim Ruta

Jim Ruta BA., RHU., EPC

Jim's Bio

Founding Faculty Member CIEPS

What does Life Insurance have to do with Retirement?

The proper application of life insurance, well before and in retirement can have a significant impact on the quality of the retirement experience, not just their legacy like you might expect.
This is particularly true for the new Hybrid Retirement style developing with boomers today.
This presentation draws on Jim Ruta’s book, “Don’t Worry, Retire Happy – Seven Steps to Retirement Security for Canadians” and gives advisors and consumers an insider’s look at why they want to include life insurance in their retirement planning.

 

1:50 PM

Coffee Break

2:00 PM – 2:50 PM

Melanie
Melanie McDonald, LL.B, TEP

VP & Regional Director, Trust & Estate Services

BMO Trust Company

Melanie's Bio

Divide the Assets: Unite the Family – How To Best Navigate Complicated Family Dynamics When Estate Planning 

Melanie Mcdonald will advise how best to navigate complicated family dynamics when estate planning in Canada.

Some of the key points that Melanie will cover in this presentation are:

What is the Issue?

Second marriages and blended families often give rise to increased complications in succession planning.  A modern family may also have to contend with complexities such as owning unique legacy assets, businesses, farms and cottages that can be challenging to divide and pass on to the next generation.

What does it mean for me?

Following a death where proper estate planning has not been completed, advisors are often presented with issues, misunderstandings and family conflicts that must be resolved.

What can you take away from this presentation?

Since estate planning takes time, in-depth discussions should begin early to work through these issues, with the goal of creating a more thoughtful and efficient distribution of estate assets, and also building a united family over generations.  

Melanie will also cover a few other important issues and provide some planning tips.

3:00 PM – 3:50 PM

Joe Belec
Joe Belec, CFP

Canada Protection Plan

Joe's Bio

Simplified Financial Strategies for Achieving Peace of Mind

Our lives are filled with many difficult financial scenarios that can ultimately leave us feeling confused, stressed and unsure of the future.

This is especially true for the aging population of Canadians, many of whom are underinsured or have not saved enough for retirement.

4:00 PM –4:50 PM


Mike Englert B. Ed., EPC
Founding Faculty Member,  Compliance Officer - CIEPS


Mike's Bio

Self Actualization: The Final Stage in Holistic Aging

The ultimate goal of “holistic aging” (with its’ focus on addressing biological, psychological, social, cognitive and aesthetic needs) is a state of self actualization.

People who are self actualized are objective, creative and spontaneous. They’re also unpretentious, unconventional and independent thinkers who have a great appreciation of basic life experiences.

Sadly only about 2% of the population becomes self actualized. Most people – including most elders – are fearful, closed and defensive. Their thinking tends to be subjective, constrained and conventional. They lead lives of quiet desperation and never reach their full potential.

In this presentation we will look at some of the key traits of people who are self actualized in order help build a road map to self actualization - a roadmap that should prove helpful to both us and our elder clients.
 

4:50 PM

Closing Remarks, Adjourn


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