Total Credits: 8 including 7 Specialized Knowledge - Technical, 1 Taxes - Technical
As a professional who helps others prepare their finances for life after retirement, you know the planning landscape rests on tectonic plates - it’s moving constantly, often producing knee-buckling quakes in plans that have been underway for 30 years or more.
The more you know about this ever-changing expanse, the better prepared your clients will be. Join us at this year’s Road to Retirement to explore issues like social security, how changes in tax law affect your clients and investing strategies and asset allocations at various stages in life.
The program details are still being finalized. Please check back later for more information.
The Long-evity View of Retirement Planning
A healthy, upper-middle-class couple who are 65 today have a 43 percent chance that one or both partners will live to see 95. How is financial planning adapting to address longevity or factoring in savings for new technologies? Let’s look at the big picture including how markets may be affected by the growing number of retirements in the coming years.
Theodore J. Sarenski, CPA.PFS, CFP™ – Chief Executive Officer & President, Blue Ocean Strategic
Capital, LLC, Syracuse, NY
Identifying Client Goals in Retirement
Traveling the world, buying a motor home, learning a new language, writing a book, maybe all the above, are included in the goals of your retiring client. Learn how to fact-gather to create a personalized client retirement plan, including how to implement the plan and what The Retirement Report has to offer for your process.
Larry J. Glanz, CPA – Private Wealth Advisor, Glanz Wealth Advisors, Farmington Hills
Personalized Investing & Asset Allocation for Any Life Stage
For a retiree to generate $40k a year after stopping work, he or she will need savings of about $1.18 million to support a 30-year retirement. Learn how to design the best investment strategy for clients in their 20s, 30s, 40s, 50s and 60s. Also, we cover asset allocation tips for each decade to balance risk versus reward.
Charles L. Nemes, CFP – Senior Vice President of Investments, Nemes Rush Private Wealth Management of Raymond James, Novi
Christopher C. Nemes, CPA, CPFA, AAMS – Financial Advisor, Nemes Rush Private Wealth Management of Raymond James, Novi
The 360 on Social Security
Social Security accounts for 40 percent of pre-retirement income, making it an important factor in retirement planning. In fact, 97 percent of the elderly (aged 60 to 89) either receive Social Security or will receive it according to the Center on Budget and Policy Priorities. Get the download on recent changes to eligibility ages, how to help your client choose the right Social Security option, and when and how to file for benefits.
Mason Gorris – Investment Advisor Representative, InvestWise Financial, Bloomfield Hills
Estate Planning for Retirement Benefits
The new tax law and legislation in the pipeline may have major impacts on your clients’ retirement savings. Learn how tax reform affects retirement planning and how to prepare clients to plan for taxes in retirement, which may differ based on whether it’s from Social Security, 401K withdrawals, investment income, annuity distributions, a pension or new income.
Robert A. Bryant, JD, MBA – Elder Law Attorney, Giarmarco, Mullins & Horton, PC, Troy
Keeping IRAs and Roths SECURE
The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) remains in limbo in the Senate, but it is being fast tracked for approval. With it comes big changes for retirement planning. Helping your clients keep up is key, from the proper beneficiary designation to inherited IRA protections determine the ramifications for both IRAs and Roth IRAs.
Kal Goren, JD – Principal, Miller Canfield Paddock and Stone P.L.C., Troy
What 9 to 5 Looks Like Beyond 65
According to a U.S. jobs report, more than 19 percent of people 65 or older were working at least part time in the fourth quarter of 2018. Planning for retirement doesn’t end when your client reaches 65. We cover advice for 9 to 5 beyond 65, including whether your clients should keep working, volunteering, traveling or more.
Vincenza Mueller – Executive Coach and Performance Consultant, Blue Heron Talent, Jackson
**Please Note: If you need credit reported to the IRS for this IRS approved program, please download the IRS CE request form on the Course Materials Tab and submit to firstname.lastname@example.org.
|Important CPE Credit Information_READ BEFORE WEBCAST UPDATED (0.47 MB)||Available after Purchase|
|Agenda (301.4 KB)||3 Pages||Available after Purchase|
|Longevity View of Retirement Planning_Handout (2.9 MB)||26 Pages||Available after Purchase|
|Identifying Client Goals_Slides Handout (4.1 MB)||20 Pages||Available after Purchase|
|Personalized Investing_Handout (932.4 KB)||7 Pages||Available after Purchase|
|Social Security_Handout (1.2 MB)||23 Pages||Available after Purchase|
|Estate Planning_Handout (777.1 KB)||40 Pages||Available after Purchase|
|IRAs and Roth IRAs_Handout (1.7 MB)||21 Pages||Available after Purchase|
|What 9 to 5 Looks Like_Handout (3.1 MB)||14 Pages||Available after Purchase|
|Wheel of Life Worksheet (65.4 KB)||Available after Purchase|
|Wheel of Life Worksheet Instructions (251.2 KB)||Available after Purchase|
|List of 50 Hobbies (104.4 KB)||Available after Purchase|
|A Quick Look At Your Values (196.1 KB)||Available after Purchase|
|IRS CE Credit Request Form (136.5 KB)||Available after Purchase|
As the founding member of Blue Ocean Strategic Capital, LLC, Ted oversees all aspects of the company’s operations, including the investment committee’s management of portfolio assets. In addition to working directly with clients, Ted contributes his expertise to industry-related publications and speaking engagements across the country.
He has written articles for the Journal of Accountancy, the CPA Journal, the Journal of Taxation and the AICPA Wealth Management Insider. Ted has lectured at Syracuse University and has been interviewed by publications such as Practical Accountant, Accounting Today, Kiplinger Personal Finance Report, Investment News, the Christian Science Monitor and Consumer Reports on 401(k) plans, marketing strategies within CPA firms, disaster recovery, Medicare, Elder Abuse and many more subjects. Radio stations from all over the country have interviewed Ted on topics ranging from year-end tax tips to Social Security and Medicare to the bankruptcy bill. For the past two years he has been a featured planner on Syracuse’s NBC affiliate, WSTM-3, taking viewers’ calls regarding financial planning and investment topics and offering planning concepts to the viewers on the nightly news program.
Ted is also an appointed member of the American Institute of Certified Public Accountants Virtual Grassroots Panel, Social Security Task Force, and Planner Magazine Editorial Advisory Board. Ted serves as Chair of the AICPA Eldercare/PrimePlus Taskforce and is a liaison to the AICPA PFP Executive Committee.
Ted is past president of the New York State Society of Certified Public Accountants Syracuse Chapter. In 2002, Ted completed a two-year term as Chairperson of the NYSSCPA Personal Financial Planning Committee after serving as a member of that committee for nine years. He is a former member of both the NYSSCPA Tax Division Oversight Committee and its Professional Ethics Committee.
Larry’s 24 years of experience includes financial advising and/or experience as a registered representative. His areas of focus include business retirement plans, investments, tax planning strategies, estate planning strategies, retirement income strategies, social security retirement benefits, and more.
He has been recognized in the Ameriprise Circle of Success for 2017 & 1028; and as a Private Wealth Advisor (PWA) by Ameriprise in 2018. His qualifications include Series 7, 63, 65 Securities Licensed; Life, Accident and Health Insurance Licensed; CPA Certified Public Accountant; APMA® Accredited Portfolio Management Advisor℠; and CRPC® Chartered Retirement Planning Counselor℠. He is a member of the American Institute of Certified Public Accountants (AICPA), the Michigan Association of Certified Public Accountants (MICPA), and the Financial and Estate Planning Council of Metro Detroit.
Larry holds 2 bachelor’s degrees from the University of Windsor; and is active in the community through charities including SweetDeamzzz, Ecology Center and Toys for Tots.
Prior to becoming an investment professional, Charlie learned to appreciate the importance of financial planning and investment analysis as a certified public accountant. Since 1987, he has gone beyond the numbers, combining technical skill with a compassionate spirit to provide the holistic support his clients need to achieve their goals – both for themselves and for their families.
A graduate of University of Detroit Mercy, Charlie earned his Bachelor of Science degree in accounting with honors. He went on to earn his certification as a CERTIFIED FINANCIAL PLANNER™ practitioner. Following his accounting career, he spent several years as a financial advisor with Merrill Lynch before making the transition to Raymond James in 2008 and becoming a senior vice president of investments and an investment management consultant.
Charlie spends his free time playing an active role in his community. A devoted coach of youth sports, he has also served as a board member for a nonprofit organization dedicated to finding employment for the disabled and as a former president and longtime board member of Novi Catholic Central Dads’ Club.
A native of Redford Township, Michigan, Charlie is a longtime resident of Novi, along with his wife, Kathleen, and children, Patrick, Christopher and Andrew
Prior to becoming an investment professional, Chris learned the importance of financial planning and investment analysis as a certified public accountant (CPA). A graduate of the University of Detroit Mercy, Chris earned his Bachelor of Science degree in accounting. Subsequently, as a member of an accelerated University of Detroit Mercy College of Business program, he earned his MBA. Following graduation, he spent several years as a CPA with Deloitte before making the transition to Raymond James.
Chris spends his free time volunteering, golfing and training for athletic events. He'll always accept an invitation to play euchre, golf or beach volleyball. A native of Novi, Michigan, Chris is currently a resident of Northville.
Mason has a passion for helping individuals and families with the difficult decisions they may face while investing and planning for their future. Mason graduated from Michigan State University's Eli Broad College of Business with high honors. He excels at putting full effort into every unique situation he is faced with. “Nothing is more rewarding than hearing that I have given people the peace of mind to navigate their retirement,” says Mason.
In his practice, it is important that all three pieces of the retirement planning puzzle come together while working with his clients: investments, social security and taxes. By providing clarity on all three of these topics, Mason believes individuals and families have a much better understanding of their personal circumstances and the things that they can accomplish financially.
As a frequent speaker at retirement education workshops, Mason strives to help people become familiar with financial concepts in an easy-to-understand way.
Mason holds his FINRA Series 7 and Series 66 licenses along with his Life and Health insurance license.
In his free time, Mason enjoys golfing and spending time on a lake boating and fishing.
Mr. Robert A. Bryant joined the firm’s estate and business planning group following six years of experience with a certified public accounting firm. Mr. Bryant is a graduate of Wayne State University (B.S., 1991); he received his law degree from the University of Detroit (J.D.,1994); he received his Master’s in Business Administration from the University of Detroit (M.B.A.,1994); he received his Master’s in Divinity from Liberty University, and his doctorate from Gordon-Conwell Theological Seminary.
Mr. Bryant’s primary areas of practice are estate planning, lifetime gifting strategies, trust administration, gift and estate tax returns, business succession planning, IRS tax controversies, eldercare law including Medicaid and Veterans Benefits.
Mr. Bryant is a former instructor at the University of Detroit Law School. He also lectures frequently on eldercare and estate planning before the Institute of Continuing Legal Education (“ICLE”), Certified Public Accounting firms, brokerage firms and trade associations.
Mr. Bryant has published a number of articles on tax related matters and estate planning appearing in professional journals. He assisted in writing chapters on succession planning in Advising Closely Held Businesses in Michigan and the Michigan Business Formbook published by the Institute of Continuing Legal Education (“ICLE”). He is also a member of the American Bar Association and the State Bar of Michigan.
Kal is a Senior Principal in the Federal Tax and Employee Benefits Practice Group of Miller, Canfield Paddock and Stone, PLC. Kal has been characterized as an expert in employee benefits, specifically the design, implementation and overseeing of the administration of tax qualified retirement plans, tied in with lifetime and post-death planning with a sensitivity for the administrative concerns of plan benefit providers.
He has a diverse practice, representing governments and their agencies, labor unions as an employer and Indian tribal governments, as well as privately owned businesses.
His primary focus has been the design, implementation, compliance and administrative issues for employers ranging from sole proprietors to those with more than 15,000 employees.
Because employer retirement benefits represent such a major portion of most client's plans for retirement, his practice includes estate planning for retirement plan distributions, as well as overall estate planning. His primary focus in lifetime planning includes health-care concerns and coordination and effective use of advance directives.
This has expanded his practice to raise his sensitivity to protecting retirement assets from claims of creditors. With that in mind, he’s been involved in “breaking” a spendthrift trust for the benefit of a trust beneficiary where the beneficiary filed in bankruptcy after inheriting a 7 figure 3rd party trust with an “inherited IRA” as its only asset.
Vincenza’s passion in life is to help people close the gap between their current reality and their vision of the future; she believes in useful, results-oriented conversations for action. Vincenza is a results-driven Executive Coach and Performance Consultant with a 25+ year proven track record of accomplishment in organizational effectiveness, design and development, as well as strategic planning, management of change, leadership development, and team development.
She currently serves leaders in the manufacturing, healthcare, social media, higher education, and not-for-profit industries. Both individuals and teams benefit because the focus of our work is tailored to their specific needs and current challenges. Together, we co-create a future that’s worth living into!
Vincenza has spent much of her career in senior level positions in large organizations. In her consulting practice and in partnership with other successful consulting firms, she has engaged a diverse set of clients with a wide range of organizational transformation and leadership development initiatives. Ford Motor Company (Insignia Training), Robert Bosch Corporation (MetaDynamics), the University of Michigan (Bridgeport), Michigan Medicine (Medical School), Jackson National Life, and Ignite Social Media have all benefitted from my experience and expertise.
She has a Bachelor’s Degree from the University of Michigan-Dearborn, and a Master’s Degree in Leadership & Artistry from the Graduate Theological Foundation in South Bend, Indiana.
Vincenza has studied and holds certifications in a variety of methods, assessments and tools: Results Coaching and Conversational Intelligence Coaching (both methodologies being brain-based and scientifically supported approaches to insight and action); Gallup’s Strengths Based Leadership, Myers-Briggs Type Indicator (MBTI), Emotional & Social Competence Inventory, VitalSmart’s Crucial Conversations, Patrick Lencioni’s Five Characteristics of High-Performance Teams, and Thomas-Kilmann Conflict Modes.
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