Author Archive

Wade D. Pfau, Ph.D., CFA, Professor of Retirement Income for the American College of Financial Services

Wade D. Pfau, Ph.D., CFA, is a Professor of Retirement Income for the American College of Financial Services and the Director of Retirement Research for McLean Asset Management, as well as the author of Insights & Research for Lifetime Financial Planning for the Retirement Researcher.
 

Passion/Expertise:

Wade D. Pfau, Ph.D., CFA, is passionate about retirement income security for Americans by providing educational material and information about retirement income strategies for advisors.  

Position/Experience:

Wade is a Professor of Retirement Income at the American College of Financial Services in their Ph.D. program on Financial Services and Retirement Planning.

  • Served as a past curriculum director for the Retirement Management Analyst (RMA) designation program
  • Contributed to the curriculum of the Retirement Income Certified Professional (RICP) designation from the American College

Presentations and Publications by Wade Pfau
 

Wade Pfau has ublished research on retirement planning in a wide variety of academic and practitioner research journals. His research has been discussed in outlets including the print editions of The Economist, Wall Street Journal, The New York Times, Forbes, Money, Newsweek, >i>SmartMoney, and others.

Wade is also a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, and an Expert Panelist for the Wall Street Journal

Wade has published books available on his website RetirementResearcher.com and Amazon, as well as many white papers.

  • You may also read Wade’s work regularly on his blog at his Retirement Researcher blog
  •  
    Education/Recognition:

    Wade Pfau, PhD, holds a doctorate in economics from Princeton University.

    • Past selectee for the InvestmentNews Power 20 for people expected to shape the financial advisory industry
    • Recipient of Financial Planning magazine’s Influencer Awards
    • Wade’s research article on “safe savings rates” won the inaugural Journal of Financial Planning Montgomery-Warschauer Editor’s Award
    • Wade’s work on evaluating the outcomes of different retirement income strategies received an Academic Thought Leadership Award from the Retirement Income Industry Association

    Have Wade Pfau, PhD, CFA speak at your event!

    Wade Pfau is an experienced speaker and presenter with a passion for providing industry-leading information to his audiences. He is available to speak at your conference or appear at one of your events.

    Inquire here about having Wade Pfau speak at your conference or event!

    Or, learn more about other Retirement Speakers Bureau presenters to find the one that’s best for your event.


    Retirement Resource Center webinar courses available from Wade Pfau:
     

    How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies - Wade Pfau

    How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies – Wade Pfau

    How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies – Wade Pfau

    Estimates provided by traditional studies about sustainable spending may be too optimistic, or may be even higher than traditional studies imply.

    It is important for advisors to understand a variety of spending and asset allocation approaches in order to manage sequence of returns risk and develop sustainable spending strategies.

    Retirement Insight and TrendsRead an excerpt from this presentation on
    Retirement Insight and Trends
    .
     

    Fitting Home Equity into a Retirement Income Strategy – Wade Pfau

    How can reverse mortgages be used to better secure retirement?

    The reverse mortgage option may be a method for responsible retirees to create liquidity for an otherwise illiquid asset.

    Learn how to think about reverse mortgages as a form of insurance to protect against market losses.

    Retirement Insight and TrendsRead an excerpt from this presentation on
    Retirement Insight and Trends
    .
     

    Optimizing Retirement Income Solutions in Defined Contribution Retirement Plans – Steve Vernon, Wade Pfau

    See highlights and conclusions from a 4-phase research project sponsored by the Society of Actuaries (SOA) and the Stanford Center on Longevity.

    The work illustrates an analytical framework for evaluating retirement income generators that could be offered in DC retirement plans and how to use a diversified portfolio approach.

    Posted in: Lifetime Income, PLAN for Retirement Readiness, PROTECT from Retirement Risks, PROVIDE Retirement Income, Retirement Distributions, Retirement Spending, Speakers for Retirement Professional Development

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    Steve Vernon, FSA, MAAA – Research Scholar, Stanford Center on Longevity

    Steve Vernon, FSA, is a Research Scholar at the Stanford Center on Longevity, and is President of Rest-of-Life Communications.

     
    Passion/Expertise

    Steve Vernon shares practical strategies and ideas for enhancing finances, health, and lifestyle for the “rest-of-life” life phase, also known as retirement. With an effective mix of humor, stories, video clips, pictures, music, and cold hard actuarial analysis, he provides hope for working Americans with pervasive fear and anxiety about retirement.

    Steve is one of the most sought-after retirement experts in the country due to his surprising and inspiring insights. He is quoted frequently in such publications as The Wall Street Journal, New York Times, Los Angeles Times, USAToday, BusinessWeek, Fortune Magazine, Kiplinger’s, and Money Magazine. He also writes occasional columns for Retirement Weekly.

    Position/Experience

    In both of his roles as Research Scholar at the Stanford Center on Longevity and as the President of Rest-of-Life Communications, Steve is active with research, writing, and speaking on the most challenging issues facing retirees today, including finance, health, and lifestyle. For more than 35 years, he has helped Fortune 1000 employers design, manage and communicate their retirement programs.

    Steve Vernon is active with research, writing, and speaking on the most challenging issues facing retirees today, including finance, health, and lifestyle. His clients at Rest-of-Life Communications have included AARP, Merrill Lynch, the International Foundation of Employee Benefit Plans, Weyerhaeuser, the Royal Bank of Canada, Sempra Energy, USC and Esterline Corporation. While at Watson Wyatt, his clients included Lockheed Martin, Northrop Grumman, Chevron, Unocal, Teledyne Technologies, Times Mirror, City of Los Angeles, H.F. Ahmanson & Company (Home Savings), Nordstrom and RAND Corporation.

    Steve retired as a Vice President from Watson Wyatt in 2006, after a 25-year career, and consulted to Mercer from 2010 to 2012. He currently serves as a member of the Institutional Retirement Income Council (IRIC). He is a Fellow in the Society of Actuaries, and a Member of the American Academy of Actuaries. He graduated Summa Cum Laude from the University of California, Irvine, with a double major in mathematics and social science.

    Publications and Presentations by Steve Vernon, FSA

    Steve writes a twice-weekly blog column on retirement strategies for CBS MoneyWatch, and has authored six books on retirement planning. His most recent book is Retirement Game-Changers: Strategies for a Healthy, Financially Secure, and Fulfilling Long Life, released in July 2018.

    He is an experienced speaker with over 300 presentations, keynote addresses and workshops on his books Don’t Work Forever!, Live Long & Prosper!, and Recession-Proof Your Retirement Years (scroll down) as well as his DVD/workbook package The Quest for Long Life, Health and Prosperity. He has addressed audiences all over North America, ranging from professional conferences, lunch/dinner clubs, women’s executive organizations, employee groups, union organizations and executive retreats. Audience sizes have ranged from 20 to over 1,000.

    Steve’s recent papers and reports include:

    • Optimizing Retirement Income by Integrating Retirement Plans, IRAs, and Home Equity: A Framework for Evaluating Retirement Income Decisions, Stanford Center on Longevity
    • The MORE Design: Integrating Psychological Science and Behavioral Economics to Engineer Better Outcomes with Human Resource, Benefits, and Retirement Program, Stanford Center on Longevity
    • Retirement Income Programs: The Next Step in the Transition from DB to DC Retirement Plans, Journal of Retirement
    • A Portfolio Approach to Retirement Income Security, Journal of Retirement
    • The Decision to Retire: Research-Based Recommendations for Individuals and Employers, Stanford Center on Longevity
    • Optimizing Retirement Income Solutions in DC Retirement Plans: A Framework for Building Retirement Income Portfolios, Stanford Center on Longevity
    • The Next Evolution in Defined Contribution Retirement Plans: A Guide for DC Plan Sponsors to Implementing Retirement Income Programs, Stanford Center on Longevity
    • Foundations in Research for Regulatory Guidelines for the Design & Operation of Retirement Income Solutions in DC Plans, Stanford Center on Longevity
    • Retirement Income in DC Plans: The Next Evolution in Plan Design, Benefits Magazine
    • The Role of Annuities in Retirement, Journal of Retirement

    Steve produces unbiased, trusted information and strategies to help working people prepare for their retirement years. His latest books are available on Amazon at the links below:

    Retirement Game-Changers: Strategies for a Healthy, Financially Secure, and Fulfilling Long Life

    Plan for the 21st century retirement! We face game-changing challenges in our retirement years, including longer lives than our parents and grandparents, the demise of traditional pension and retiree health plans, periodic stock market crashes that can derail our retirement, and sky-high medical and long-term care costs.
    Retirement Game-Changers helps navigate these challenges in the transition from work life into retirement.

    Recession-Proof Your Retirement Years: Simple Retirement Planning Strategies That Work Through Thick or Thin.

    This retirement planning guidebook provides an easy-to-follow, step-by-step program for planning your retirement years. It will show you how to survive future downturns, so that you can focus on enjoying your rest-of-life.
    Covers retirement planning holistically, discussing strategies for Social Security benefits, and much more.

    Money for Life: Turn Your IRA and 401(k) Into a Lifetime Retirement Paycheck

    This book addresses the concerns of a wide range of people who are planning their retirement and hoping to create a retirement income from their retirement savings. With the demise of traditional pension plans, this is a significant and important challenge as boomers approach retirement years.
    Many are now on their own to generate a reliable, lifetime retirement income. Money for Life provides unbiased help.

    Steve also published these three books with John Wiley & Sons, also available at Amazon at the links below:

    Live Long and Prosper: Invest in Your Happiness, Health and Wealth for Retirement and Beyond
    In Live Long and Prosper!, Steve Vernon unveils a new way of thinking that will truly help you live a more happy, healthy, and prosperous life. Based on the latest research and planning strategies typically reserved for large corporations, it will help you answer these important questions:
    * Do you have enough money to retire?
    … and much more!

    “For this next phase of my life, I want to use my skills and life experience to help people with important life planning – to help them live long and prosper!”

    Employee Benefits: Valuation, Analysis and Strategies (Employee Benefits Human Resources Library)
    Not intended as an actuarial textbook but as a reference for human resource and financial managers, consultants and actuaries, auditors and accountants, and attorneys. In 17 chapters, coverage encompasses benefit program design strategies, employer tax and payment issues, nondiscrimination requirements, the role of employee benefits in corporate change, and various other analysis strategies and requirements topics.

    Don’t Work Forever!: Simple Steps Baby Boomers Must Take to Ever Retire
    Attention Baby Boomers: Who would have thought it’s time for us to start planning for retirement? Not convinced? Take this simple quiz:
    Do you miss David Letterman because you can’t stay up that late?
    Ladies, are some of the men you find attractive bald? Men, do some of the women you find attractive have a few gray hairs?
    Do you wear relaxed fit clothes?
    Do you eat “lite” foods? Read on!

    Education/Affiliations

    Steve graduated Summa Cum Laude from the University of California, Irvine with a double major in Mathematics and Social Science, and is a member of Phi Beta Kappa.
    Steve serves on relevant committees for the Society of Actuaries:

    • Committee for Post-Retirement Needs and Risks
    • Task force for Individual Post-Retirement Financial Strategies
    • Task force for Segmenting the Middle Market: Retirement Risks and Solutions
    Testimonials

    “What’s different about Steve is that he understands people — not just plans and financial issues and numbers. He knows human nature and is empathetic to people. So when he talks to you, he really talks to you. You get the message. It’s his understanding that makes him such a great communicator.”

    Glenn Bonci, Principal, The Adobe Group, and Programs Director, Northwest Compensation Forum

    “I heard Steve Vernon speak at a dinner sponsored by Watson Wyatt. Steve’s approach is particularly sensitive, honest, needed, and upbeat. He does not simply dwell on “growing money for a comfortable retirement,” as most gurus tend to do. Instead he offers a realistic blueprint that links living a fulfilled and healthy life to planning sensibly for whatever the future may bring. I, for one, want to pursue retirement Steve’s way!”

    Lois A. Vitt, Ph.D, Chair and Founding Director, Institute for Socio-Financial Studies, and Editor-in-Chief, Encyclopedia of Retirement and Finance

    “Steve was the luncheon speaker for our annual chapter conference of the Western Pension and Benefits Conference. His insights were very valuable because they focused equally on both work and life issues. Steve’s presentation caused me to think carefully about personal values and career choices that face all of us. He speaks with conviction regarding topics that he has obviously deeply contemplated.”

    Jay Marran, Merrill Lynch. Financial planner and Chairman, Speakers Committee, Western Pension and Benefits Conference

    When audiences are asked to use numeric ratings, Steve’s presentations and workshops consistently receive the highest ratings. Samples are available upon request. Sample feedback from Steve’s audience evaluation forms:

    · “Great way to start the conference, it opened the mind… “
    · “Wonderful presentation, very appropriate, now I hope everyone else listens…”
    · “Very good! One of the very best.”
    · “Excellent speaker. Engaging and inspiring. I feel motivated to begin pursuing a healthier lifestyle.”
    · “Would go to his session again!”
    · “Excellent info/thought provoking/clear speaking, very relevant personally.”
    · “A lot of terrific information presented in a way that’s easy to understand.”
    · “Very practical, full of wisdom.”
    · “Awesome! Very informative!”
    · “Very good. He opened my eyes to good health as playing a part in my retirement planning.”
    · “Very clear and positive. Impressed with the way he connects the whole retirement picture. “
    · “His comments are very timely.”


    Have Steve Vernon, FSA speak at your event!

    Steve Vernon, FSA is one of many experienced speakers and keynote presenters on a variety of topics for your retirement professional development or consumer group.

    Inquire here about having Steve Vernon speak at your conference or event!

    Learn more about all Retirement Speakers Bureau presenters to find the one that’s best for your event.


    Retirement Resource Center webinar courses available from Steve Vernon


    Plan for the 21st Century Retirement – Steve Vernon

    Older workers face a series of critical decisions as they transition from the workforce into retirement.

    These decisions include deciding when to retire, whether to work part-time, when to claim Social Security, how to deploy savings in retirement, selecting medical insurance, protecting against the risk of long-term care, where to live, how to enhance your health and longevity, and nurturing your social portfolio.

    All these decisions are influenced by behavioral economics factors. Retirement professionals are ideally positioned to help their clients navigate these decisions.


    How to “Pensionize” Any IRA or 401(k) Plan – Steve Vernon

    This webinar introduces the Spend Safely in Retirement Strategy, which is a straightforward method for middle-income workers to generate reliable, lifetime retirement income from any IRA or 401(k) plan.

    This project analyzed and compared 292 retirement income strategies, using stochastic forecasts and efficient frontiers, powerful analytical techniques that large defined benefit plans use to devise funding and investment strategies.

    Retirement Insight and TrendsVisit Retirement Insight and Trends, InFRE’s quarterly newsletter for retirement professionals, for a summary article of this 2018 presentation.


    Optimizing Retirement Income Solutions in Defined Contribution Retirement Plans – Steve Vernon, Wade Pfau

    Learn how recent Society of Actuaries research can be applied to retirement income options and investing decisions for DC plan sponsors, participants and consumers.

    This presentation highlights conclusions from a four-phase research project sponsored by the Society of Actuaries (SOA) and the Stanford Center on Longevity. It illustrates an analytical framework for evaluating retirement income generators (RIGs) that could be offered in defined contribution retirement plans, and how to use a diversified portfolio approach for developing retirement income strategies.

    Retirement Insight and TrendsVisit Retirement Insight and Trends, InFRE’s quarterly newsletter for retirement professionals, for a summary article of this 2017 presentation.


    Money for Life: Help your plan participants avoid going broke in retirement – Steve Vernon

    There is a cultural shift that taking place in DB Plans today regarding employee retirement income and the roles that played in helping employees successfully transition to retirement using their DC savings.

    People with a DC plan as their primary saving vehicle have not only the personal responsibility of funding their retirement, but they are at risk of running out of money.
    People need to take important planning steps to secure their future retirement income. Employers need to do more with plan design and education to help employees generate retirement income from their defined contribution savings.

    Retirement Insight and TrendsVisit Retirement Insight and Trends, InFRE’s quarterly newsletter for retirement professionals, for a summary article of this 2018 presentation.

    Retirement Insight and Trends The Retirement Resource Center YouTube channel features short clips of presentatations by many of our speakers. Please visit Retirement Resource Center YouTube channel to view a short clip of this presentation.

    Posted in: Lifetime Income, PLAN for Retirement Readiness, PROTECT from Retirement Risks, PROVIDE Retirement Income, Retirement Coaching, Retirement Distributions, Retirement Spending, Speakers for Consumer Events, Speakers for Retirement Professional Development

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    Michael Finke, PhD, CFP® – Retirement Investing Expert

    Michael Finke, PhD, CFP® – Retirement Investing Expert

    Michael Finke, PhD, CFP® – Retirement Investing Expert

    Passion/expertise:   Michael is a Professor at Texas Tech University who is passionate about helping individuals make better investment decisions.

    Experience: PhD in finance from the University of Missouri and PhD in consumer science from the Ohio State University. Assistant/associate professor at University of Missouri from 1999 through 2006, associate professor at Texas Tech 2006-present.

    Topics:

    • Behavioral personal finance
    • Retirement income planning
    • Risk tolerance assessment
    • Aggregate trends in household portfolio allocation.

    Awards: 

    • 2011 Academic Thought Leadership Award, Retirement Management Journal
    • 2010 Winner, iOMe National Retirement Challenge, Faculty Advisor
    • 2010 Best Paper Award, Academy of Financial Services
    • 2009 Best Paper Award, Academy of Financial Services
    • 2008 Best Paper Award, Academy of Financial Services
    • 2008 Texas Tech Human Sciences distinguished research award
    • 2007 Teacher of the Year Award, Texas Tech Personal Financial Planning Association
    • 2006 Association for Financial Counseling and Planning Education outstanding journal article award
    • 2005 ACCI Certified Financial Planner® board financial planning research award
    • 2004 distinguished award in teaching from Gamma Sigma Delta.

    Recent Publications:

    • Guillemette, M.A., Finke, M.S. and Gilliam, J. 2012.  Risk tolerance questions to best determine client portfolio allocation preferences, Journal of Financial Planning.
    • Loving, A.C., Finke, M.S. and Salter, J.R. 2012. Does home equity explain the black wealth gap?  Journal of Housing and the Built Environment.
    • Finke, M.S., Pfau, W. and Williams, D. 2012.  Spending flexibility and safe withdrawal rates, Journal of Financial Planning.
    • Hanna, S., Guillemette, M. and Finke, M.S.  2012.  Assessing risk tolerance.  In H. Kent Baker and Greg Filbeck (Eds.) Portfolio Theory and Management, Oxford University Press.
    • Williams, D. and Finke, M.S. 2011. Determining optimal withdrawal rates: An economic approach, Retirement Management Journal.
    • Winchester, D., Huston, S.J. and Finke, M.S. 2011. Investor Prudence and the Role of Financial Advice, Journal of Financial Services Professionals.
    • Finke, M.S., Huston, S.J. and Winchester, D. 2011. Financial advice: Who pays? Financial Counseling and Planning.

    Posted in: PLAN for Retirement Readiness, PROVIDE Retirement Income, Retirement Distributions, Retirement Spending

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    John E. Nelson – Purposeful Retirement Advocate, Author & Coach

    John E. Nelson – Purposeful Retirement Advocate, Author & Coach

    John E. Nelson – Purposeful Retirement Advocate, Author & Coach

    John E. Nelson is a nationally known writer and speaker on life stage planning, focusing on how people plan for better prosperity, health and happiness. He the author of “What Color Is Your Parachute – for Retirement” with Richard Bolles.

    Passion/Expertise:
    John started his career as a technical retirement plan consultant, when he realized that the technicalities of retirement planning did not always translate well to personal life planning. He embarked on earning at PhD at the University of Wisconsin where he was able to study with visionaries including Martin Seligman, University of Pennsylvania, and David Cooperrider, Case Western Reserve, to look at retirement in a different way.

    John took all he was learning and developed the “Well-Being Model” as a practical and concrete model for helping future retirees allocate assets in their portfolios along with making life decisions such as where to live and how to find the ideal career. As John says, “I’ve been working to figure out a better way for us to plan the second half of life. Not just our careers and finances, but our lives.”

    While the Well Being Model is based in theory, many organizations were able to immediately see the practical applications. It was adopted by the U.S. government as the underlying structure for an employee education program for all federal agencies. The Model also has been used by AARP and Fortune “100 Best Companies to Work For” employers and others to help structure their employee education programs.


    Retirement Happiness: Planning for a Successful Transition  - John Nelson   - YouTube clip What Color Is Your Parachute? for Retirement: Planning for Prosperity, Health and Happiness - John Nelson   - YouTube clip

    View YouTube clips from recent Retirement Resource Center webinars featuring presentations by John Nelson and other leading industry experts.


    Position/Experience:
    John continues his research on the “Well Being Model” as he works to complete his PhD at the University of Wisconsin, Madison, where he teaches courses in continuing studies such as “Retirement Happiness: Planning Your Next Stage of Life”. He travels frequently to speak to professional groups, educators, employees and many other audiences. Events range from conferences and workshops, to in-house events.

    He has presented to a wide range of national conferences including:

    • The Financial Planning Association
    • The Society for Human Resource Management
    • The National Pension Education Association
    • The National Association of Personal Financial Advisors
    • The International Career Development Conference
    • The Positive Aging Conference
    • The Appreciative Inquiry Conference
    • and others.

    Every presentation is custom tailored for maximum engagement and relevance to each unique audience.


    Retirement Happiness: Planning for a Successful Transition - John Nelson - in the 2nd Qtr issue of Retirement InSight and Trends What Color Is Your Parachute? for Retirement: Planning for Prosperity, Health and Happiness - John Nelson - 1st Qtr issue of Retirement InSight and Trends Retirement InSight and Trends article Click on the icons to the right to read summary transcript articles of presentations by John Nelson in recent issues of Retirement InSight & Trends.


    Publications:
    John E. Nelson is the Co-Author of What Color Is Your Parachute? for Retirement, Second Edition: Planning a Prosperous, Healthy, and Happy Future, available at Amazon and other book retailers.

    He is also the author of the “Retirement Readiness” section for InFRE’s CRC® #4 Manual: Fundamentals of Retirement Income Planning.

    John has been interviewed numerous times for various publications, such as The New York Times, Washington Post, USA Today, Dow Jones Marketwatch, Business Week, AARP Bulletin, Investment Advisor, and more, including the following Wall Street Journal article:

    The Wall Street Journal’s Guide to Financial Planning – An interview with John E. Nelson

    What Others Say:

    “John’s engaging presentation style and revolutionary model transformed a room full of semi-panicked, affluent baby boomers into a hopeful, reassured group. He turned a transition that most people find complex, frightening, and overwhelmingly into a journey of self-discovery and opportunity.”

    -Danis Houser, Grosse Pointe Public Library

    “John was a star among stars in our college lecture series. He completely captivated a large, diverse audience of mid-life and older adults from the community, college faculty and adult students. In their evaluations of the presentation, attendees repeatedly commented on John’s command of the several fields encompassed in planning for retirement, his skillful and entertaining use of visual materials, and his delightful manner of speaking. What Color is Your Parachute? For Retirement is a wonderful book, but John in person is even better. We can hardly wait for an occasion to bring him back.”

    – Jacquelyn Mattfeld, PhD, HWCC Center for Creative Aging

    “John was one of our best speakers! His session not only fully held the attention of some of the most experienced and expert financial planners in the country, but he added another layer of insight to their professional awareness. Attendees came to me wishing we would have given him more time and told me to make sure National Association of Personal Financial Advisors gets him to return!”

    – Michael Dubis, CFP, National Conference Chair, NAPFA

    “John’s depth of retirement planning knowledge is amazing, and his range of topics is unmatched. More importantly, he connects with our diverse employee audiences, and finds ways to make the content relevant to them. We have had many national speakers in our corporate programs over the years, and I count John as among the very best.”

    – Sally Hass, M.S.Ed., Employee Benefit News “Retirement Educator of the Year”

    “John was a featured speaker at our annual client retreat for advanced financial planners. He earned high praise from all of the attendees because of his thought-provoking and timely message, engaging style, and innovative presentation materials. John made a huge contribution to the success of our conference, and we definitely plan to invite him to present at future events.”

     Carol Anderson, M.S., President, Money Quotient, Inc.

    “John’s simple, positive approach to life planning makes participants eager to learn more, and makes me eager to invite him back over and over. Perhaps his impact is best summed up by this comment from a recent participant: ‘Thanks for arranging such a qualified person like John Nelson to talk on the subject!”

     Andy Landis, Retirement Planning Manager, Weyerhaeuser Corporation



    Have John Nelson speak at your event!

    Please contact us today via email or phone 847-686-0440 x102 if you would like to have this or other speakers present at your conference or appear at one of your events, or to receive complementary webinar or elearning course featuring the speaker of your choice to help you decide who best fits your organization’s needs.



    View other speakers on similar topics suitable for your Retirement Professional Development or National Consumer events:



    Posted in: PLAN for Retirement Readiness, PROVIDE Retirement Income, Retirement Coaching, Working in Retirement

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    Cindy Hounsell, JD – Women and Retirement Advocate and Expert

    Cindy Hounsell, JD – Women and Retirement Advocate and Expert

    Cindy Hounsell, JD – Women and Retirement Advocate and Expert

    Cindy Hounsell, JD, is the President of WISER, the Women’s Institute for a Secure Retirement, a nonprofit organization that seeks to improve the opportunities for women to secure retirement income and to educate the public about the inequities that disadvantage women in retirement.
     
    WISER was founded in 1996 through a grant the Heinz Family Philanthropies (the personal philanthropy of Teresa Heinz Kerry) to provide low and moderate income women (aged 18 to 65) with basic financial information aimed at helping them take financial control over their lives.
     
    Passion/Expertise
    Ms. Hounsell provides technical assistance to several national organizations, as well as training to leaders and grassroots advocates around the country as part of her role as director of the National Education and Resource Center for Women and Retirement Planning, funded by the U.S. Administration on Aging.
     
    Ms. Hounsell has testified before Congress, served as a delegate for a number of White House Summits and conferences including the last two White House Conferences on Aging, the White House Social Security Conference and each of the National Retirement Saver Summits.


    The Personal Cost of Caregiving: Women Need to Protect THEIR Retirement Too! - Cindy Hounsell, JD - YouTube clip View YouTube clips from recent Retirement Resource Center webinars including Cindy Hounsell’s The Personal Cost of Caregiving: Women Need to Protect THEIR Retirement Too! .


    Position/Experience

    In addition to her duties as President of WISER, Ms. Hounsell was recently appointed to the Advisory Panel on Medicare Education (APME) representing the field of retirement and financial planning. She was appointed by Secretary of Labor, Hilda Solis, to the ERISA Advisory Council to represent the general public. Ms. Hounsell was also appointed and served for two years on the Advisory Panel on Medicare Education (APME) representing the field of retirement and financial planning. She serves on the Boards of the National Alliance for Caregiving and STRIVE-DC, as well as on the Advisory Council of Wider Opportunities for Women’s Elder Economic Security Initiative, and the Financial Services Roundtable’s Retirement Advisory Council. Ms. Hounsell is a member of the National Academy of Social Insurance.
     
    An attorney and retirement expert, she has been widely quoted in the: New York Times, Washington Post, Los Angeles Times, Boston Globe, Christian Science Monitor, U.S.A Today, Newsweek, Barrons, Investors Business Daily, Congressional Quarterly, Ms., Working Mother, Associated Press, Knight Ridder and Reuters.She has appeared on ABC, CBS, CNN, CNBC, Fox Morning News & Financial News, and a Good Morning America interview with Diane Sawyer. The PBS program, To The Contrary, filmed a two-part award winning series on women and retirement that featured WISER. Radio interviews include several syndicated shows including National Public Radio’s All Things Considered and Marketplace.
     
    Awards
    Money magazine recently honored Cindy Hounsell in its article Heroes, which the magazine describes as “a yearlong celebration of 40 people who have made extraordinary efforts to improve others’ financial well-being.” WISER’s website was also named by ForbesWoman as one of the Top 100 Websites for Women 2012. Click here to read more.
    Women’s eNews named her as one of 21 Leaders for the 21st Century. Recently, The National Adult Protective Services Association recognized Ms. Hounsell for her leadership and commitment to older women’s issues by presenting her with their 2011 NAPSA Collaboration Award.
     


    The Personal Cost of Caregiving: Women Need to Protect THEIR Retirement Too! - Cindy Hounsell, JD   - Retirement InSight and Trends article Read a summary transcript of Cindy Hounsell’s presentation The Personal Cost of Caregiving: Women Need to Protect THEIR Retirement Too! in the 3rd Qtr 2013 issue of “Retirement Insight and Trends”.


     
    Publications Authored
    Ms. Hounsell has written several chapters, columns, articles, op-eds, papers and booklets on women and retirement. Two booklets, What Every WOMAN Needs to Know About MONEY and RETIREMENT: A Simple Guide and What Everyone Needs to Know About Money and Retirement, appeared as inserts in Good Housekeeping magazine, to a readership of over 26 million. Visit WISER’s site for more information.

    • 20 Ways to Take Advantage of Your Company Benefits Plan
    • What Today’s Woman Needs to Know and Do: The New Retirement Journey
    • Divorce and Retirement: Take Control of Retirement Benefits
    • Don’t Run With Your Retirement Money: Understanding Your Resources and How Best to Use Them
    • Financial Steps for Caregivers
    • What Women Need to Know About Retirement Money & Retirement
    • Your Future Paycheck: Minority Women And Retirement Income
    • Seven Life-Defining Financial Decisions


    Have Cindy Hounsell speak at your event!

    Cindy Hounsell is one of many experienced speakers and keynote presenters on a variety of topics for your retirement professional development or consumer group.

    Please contact us today via email or phone 847-686-0440 x102 if you would like to have Cindy Hounsell present at your conference or appear at one of your events, or to receive a free voucher to view a sample of one of our speaker’s work.



    View other speakers on similar topics suitable for your Retirement Professional Development or National Consumer events:



    Links
    Visit WISER’s site for more information
    Find courses and products from Cindy Hounsell at the Retirement Resource Center.

    Posted in: Medical and Long-term Care, PROTECT from Retirement Risks, Successful Aging

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    Michael Falk, CFA, CRC® – Behavioral Finance Expert & Retirement Contrarian

    Michael Falk, CFA, CRC® – Behavioral Finance Expert & Retirement Contrarian

    Michael Falk, CFA, CRC® – Behavioral Finance Expert & Retirement Contrarian

    Michael Falk, CFA, CRC®, is a consultant and partner with the Focus Consulting Group (and our resident retirement contrarian).

    Passion/Expertise:
    Michael is an engaging, creative asset management professional, and offers equally engaging presentations and materials on retirement topics, behavior, asset allocation research and portfolio development expertise.
    The asset consulting perspective acknowledges that the wisdom of crowds can denigrate into madness at times. Assets should be managed with the serenity to accept the market’s realities; the courage to pursue its opportunities; and the ongoing pursuit of wisdom to understand the difference.

    Position/Experience:
    Michael’s background includes extensive asset allocation research and portfolio development expertise along with a multi-faceted understanding of behavioral finance and retirement issues.
    Michael formerly was the Chief Strategist on a Global Macro fund as well as a CIO in charge of manager due diligence and asset allocation for a multi-billion dollar advisory, one of the first firms to provide managed accounts for reluctant 401(K) investors – those that can’t, or won’t, invest wisely themselves.


    View brief Youtube clips of Michael Falk’s recent Retirement Resource Center webinars on our Retirement Resource Center YouTube channel.
    Michael Falk - Enough About the Assets, Already! - YouTube clip Michael Falk - Is Retirement Past Its Prime? The Economic & Behavioral Realities of Retirement YouTube clip Michael Falk - Off with Your (Rule of) Thumbs! YouTube clip Michael Falk - Housing for Retirees - Buy Sell or Hold? - YouTube clip


    Education/Certifications/Awards:
    Michael has been a contributing member of the PDDARI group within the Financial Management Association (FMA), the Vice Chair of the Plan Sponsor Council of America’s Investment Committee, taught as an adjunct professor at DePaul University in their Certified Financial Planner (CFP) Certificate Program. Currently he is an approved speaker for the CFA Institute and teaches on behalf of the CFA Society of Chicago in their Claritas program, and is frequently quoted in the financial press. He graduated from the University of Illinois with a B.S. in Finance.

    Publications Authored:

    • “Let’s All Learn How to Fish… to Sustain Economic Growth”, A CFA Institute Research Foundation Monograph, May 2016
    • “The Investment Challenge”, 2015
    • “Good Governance, Better Decisions?” Investments & Wealth Monitor (IMCA), 2014
    • “The Economic Implications of an Older World”, Morningstar magazine with Larry Siegel, Feb/March 2014
    • “Bit by Bit”, CFA Institute Magazine interview on bitcoin, March/April 2014
    • Defined Contribution Insights, “Asset Allocation for Today’s Times?”, 2012
    • “Portfolio Construction Needs an Overhaul”, guest column in FUNDfire, 2012
    • “Investment Beliefs: Separating the Real Stuff from the Fluff”, commissioned paper 2012
    • “What’s the Best Way to Promote Large caps?”, guest column in FUNDfire, 2011
    • “Enough About the Assets Already”, Defined Contribution Insights, 2011
    • “Uncommon Investment Sense”, commissioned paper, 2011
    • Advisor Perspectives, “Solving the REAL Debt Crisis”, 2011
    • “Investing, Like Life, Is About Balance”, Defined Contribution Insights, 2011
    • “Risk Management: A Tactical Multi-Manager Approach”, commissioned paper, 2010
    • Financial Planning Association (FPA) of Illinois, Behavioral Finance & Neuroscience, 2007 and 2010
    • “Portfolio Construction for the Long Run (And Now)”, commissioned paper, 2008
    • Institutional Investor, “Managed Accounts & Default Investments – Serving the Reluctant Investor”, 2006
    • Chicago Sun Times, “How Lifecycle Funds Ease Investing Angst”, 2005
    • “An Evolved Solution – Participant Success Hinges on Plan Design”, Profit Sharing, 2002
    • “Their Quality of Retirement Matters”, Sharing Ideas (International Foundation for Retirement Education), 2001
    • “A New Alternative for 401(k) Plan Structuring”, Employee Benefits Journal, with David Wolfe, 1998

    View summary transcripts of several of Michael Falk’s presentations that were included in recent issues of InFRE’s FREE Quarterly Newsletter,
    Retirement Insight and Trends.
    Michael Falk - Enough About the Assets, Already! - Retirement Insight & Trends article, 2nd Qtr 2014Michael Falk - Is Retirement Past its Prime? The Economic & Behavioral Realities of Retirement - Retirement Insight & Trends article, 1st Qtr 2014Michael Falk - Off with Your Rules of Thumbs - Retirement Insight & Trends article, 1st Qtr 2015 Michael Falk - Housing for Retirees: Buy, Sell or Hold? - Retirement Insight & Trends article, 1st Qtr 2016


    Most Requested Presentations:
    Aside from his consulting work, Mr. Falk is part of the CFA Institute’s Approved Speaker List.

    CFA Institute Approved Speakers Program, Global Society Presentations, 2004 – Present

    • Is Retirement Past Its Prime? The Economic & Behavioral Realities of Retirement
    • Behavioral Finance & Neuroscience: Rational Is As Rational Does
    • Lies, Damned Lies & Mathematical Forecasting: Of Optimization and Allocation
    • Psychology, Neurology… How Your Biology Impacts Your Investment Decisions

    Conference presentations:

    • Inside Indexing Conference Expanding Your DC… Does Indexing Work in Every Asset Class?, panelist 2012
    • CFA Chicago, Entitlements, Austerity, Taxes and the Mortgage Crisis, panelist 2011
    • FMA Annual Conference, Core Research Challenges Facing Practitioners, panelist 2011
    • MarketWatch / WSJ Exchange Traded Funds Panel, panelist 2011
    • FMA Annual Conference, Frontiers of Asset Management, panel moderator, 2010
    • Plan Sponsor Council of America (PSCA) Conferences, various topics, 2001 – 2003 and 2010
    • CFA Chicago, The Future of Asset Allocation Theories: Are They Alive, Dead, or on Life Support? Panelist, 2010
    • Morningstar Investment Conference 2009, Can MPT Take the Heat of a Meltdown?, debate
    • FMA Midwest Finance Association Conference, Hedge Fund & Fundamental Indexation panels, 2009
    • FPA Illinois, The Pension Protection Act of 2006 with TIAA-CREF, 2007
    • World Research Group, Best Practices in Retirement Education & Communication Program, 2005 and 2006
    • Gardner Carton & Douglas (now DrinkerBiddle), Enhancing the Value of Your Retirement Plan While Managing Your Fiduciary Exposure with Managed Accounts, 2004
    • Int’l Institute of Research National Forum, Asset Allocation & Investment Policy Design for Pension Plans, 2000
    • National Institute Personal Financial Employee Education (NIPFEE), 1999


    Have Michael Falk speak at your event!

    Please contact us today via email or phone 847-686-0440 x102 if you would like to have this or other speakers present at your conference or appear at one of your events, or to receive a free voucher to view a sample of one of our speakers’ work.



    View other speakers on similar topics suitable for your Retirement Professional Development or National Consumer events:



    Links:

    Posted in: Lifetime Income, PLAN for Retirement Readiness, PROTECT from Retirement Risks, Retirement Coaching

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    Anna Rappaport, FSA, MAAA – Post-retirement Needs and Risks Thought Leader

    Anna Rappaport, FSA, MAAA – Post-retirement Needs and Risks Thought Leader

    Anna Rappaport, FSA, MAAA – Post-retirement Needs and Risks Thought Leader

    Anna Rappaport, FSA, MAAA, Anna Rappaport Consulting, is an actuary, consultant, author, speaker, and internationally recognized expert on the impact of change on retirement systems and workforce issues.

    Anna Rappaport is committed to improving America’s retirement systems, with special focus on women’s retirement security. In her organizational participation, writing and speaking, she brings forward important issues to ensure that decision makers can act on the best available information, strongly driven by facts and thorough analysis.

    Passion/Expertise
    Anna Rappaport was writing and studying the implications of our changing demographics for financial security systems long before there was a societal focus on this issue as the Boomers started to reach retirement age. She published her first paper on social and demographic issues in 1975 and has been studying these issues ever since. The topics she focuses on include the future of employee benefits, strategies for retirement security, implications of an aging workforce, phased retirement, post-retirement risk, Social Security and women’s special retirement challenges.

    Recently she focused on issues related to achieving retirement security in a world dominated by defined contribution plans, and on the impact of long-term disability on retirement security. She has chaired the Society of Actuaries Committee on Post-Retirement Needs and Risks for 15 years, and has played a major role in the development a recognized research program devoted to better understanding and management of Post Retirement Risks.


    Don't Let Disability Derail Retirement Security - Rappaport and Kaleda   - YouTube clip View brief YouTube clips from recent
    Retirement Resource Center webinars
    including Anna Rappaport’s

    Don’t Let Disability Derail Retirement Security .


    Position/Experience
    Anna Rappaport has helped many organizations develop their strategies with regard to retirement benefits. Anna formed Anna Rappaport Consulting in 2005, specializing in strategies for better retirement systems, after retiring in 2004 from a 28-year career with the Mercer Human Resource Consulting firm. Prior to working with Mercer she spent the years from 1958-1976 in the life insurance industry.
    Anna serves on the Board of the Women’s Institute for a Secure Retirement (WISER), and the Advisory Board of the Pension Research Council. She is a member of the GAO’s Retirement Security Advisory Panel. Anna is a past- President of the Society of Actuaries and chairs its Committee on Post-Retirement Needs and Risks. She served on the ERISA Advisory Council from 2010 to 2012 and participated in its project on disability risks in an increasingly defined contribution world.
    Anna was a delegate to the 1998 and 2002 National Summits on Retirement Savings. She has been a leader in the planning and management of several major research projects by the actuarial profession focused on enhancing retirement security in America. In 2007, she was appointed Senior Fellow on Pensions & Retirement by The Conference Board. Anna’s participation on many organizations, committees and Boards, includes:

    • Society of Actuaries
      Served as President of the Society of Actuaries in 1997-98. She served on the Board of the Society of Actuaries in four decades, and will complete 50 years as a Fellow in 2013. She has chaired the Committee on Post-Retirement Needs and Risks since its inception, and has encouraged the actuarial profession to focus on post-retirement risks and work to improve the retirement system in America. The Committee has sponsored the 2001, 2003, 2005, 2007, 2009 and 2011 surveys on post-retirement risk, produced Managing Post-Retirement Risk and even Decision Briefs on Important retirement issues, conducted focus groups on how retirement assets are invested, produced two reports on misperceptions and public knowledge about retirement, and it is currently conducting several additional studies. She has been actively involved in the Living to 100 project for its more than ten years, and has participated as an author, moderator and member of the committee for the four symposia which are part of this effort. She has been a regular presenter at SOA meetings. She was a member of the Retirement 20/20 Advisory Panel. Retirement 20/20 is a project to focus on the future of retirement systems. She has written many papers and articles for SOA publications.
    • National Academy of Social Insurance
      Served two terms on the NASI Board with Board service ending in 2008, she has spoken at NASI conferences. NASI provides a multi-disciplinary focus on major social insurance issues. It sponsors research, public information, education and conferences. NASI provides a resource for the press on social insurance. Served as Chair of Membership Committee in 2006-2007.
    • Pension Research Council
      Currently serves on the Advisory Board of the Pension Research Council located within the Wharton School at the University of Pennsylvania. She co-authored three books whose publication was sponsored by the Pension Research Council. She has written several papers for the Pension Research Council, and they are included as chapters in their books.
    • WISER
      Currently serves on the Board of WISER. She has chaired the Consumer Education Committee of the Actuarial Foundation which has partnered with WISER in the development of important educational materials for women on key retirement issues. She was very involved in the development of these resources: Making Your Money Last a Lifetime and Seven Life-Defining Financial Decisions.
    • ERISA Advisory Council
      Advisory group appointed by the U.S. Department of Labor. Served a three year term from 2010-2012 representing actuarial consulting. Each member is appointed to a slot designated by the DOL. Served as Issue Chair for Privacy and Security topic in 2011. Served as Issue Vice Chair for Managing Disability Risks in an Era of Individual Responsibility in 2012.
    • Actuarial Foundation
      Appointed as Trustee Emeritus in 2007, and continues to serve on Consumer Financial Education Committee. Previously served on the Board of the Actuarial Foundation and was first chair of its Consumer Education Committee. In 2007, Anna Rappaport was the lead speaker and played a major role in the Joint Task Force’s symposium “Women at Risk: Timing, Financing and Coping with Retirement” (see Actuarial Foundation Website)
    • American Academy of Actuaries
      Previously served on the Board, task forces, and several committees of the Academy. This organization works in partnership with the SOA on many of the post-retirement risk issues and has been instrumental in bringing the major work of the Committee on Post-Retirement Needs and Risks to the U.S. Congress.
    • The Chicago Network
      Member of the Chicago Network, an organization of very senior professional women in the Chicago area.
    • Task Force on Issues Affecting women as They AreActive member of the task force. She has assisted the task force with information on actuarial and pension issues, and has given many presentations at task force meetings.
    • Employee Benefits Research Institute(EBRI)
      Anna Rappaport is a fellow of the institute, a major source of employee benefit and pension research.
    • Wider Opportunities for Women (WOW)
      Anna Rappoprt served on the National Advisory Board to the Elder Economic Security Initiative
    • Retirement Income Industry Association (RIIA)
      Anna Rappaport designated Special Advisor to the Board in 2009.

    Education/Certifications/Awards
    Anna Rappaport is a Fellow of the Society of Actuaries, a member of the American Academy of Actuaries and holds a Master’s Degree in Business Administration from the University of Chicago. Here are some of her many awards:

    • Workers in Employee Benefits named Anna Rappaport Employee Benefits Professional of the Decade in connection with their 10th anniversary.
    • Business Insurance selected Anna Rappaport as one of the Top 100 Women in Benefits and Insurance in October 2000.
    • In March 2003, Anna Rappaport received the ,b>Illinois State Treasurer’s Woman to Woman Award as a Trailblazer in Public Policy.
    • Anna Rappaport was the recipient of the YWCA’s Outstanding Achievement in Business Award in October 2003.
    • Anna Rappaport received The Society of Actuaries John E. O’Connor Distinguished Service Award for 2003.
    • In October 2005, WISER awarded Anna Rappaport a Hero’s Award for her contributions to furthering women’s retirement security.
    • Wynn Kent Public Communication Award
    • Actuarial Foundation Insurance Legends Award in 2011
    • 2011 Society of Actuaries Outstanding Volunteer Award

    Don't Let Disability Derail Retirement Security - Rappaport and Kaleda - Retirement InSight and Trends article Read a summary transcript of Anna Rappaport’s
    presentation
    The Don’t Let Disability Derail
    Retirement Security
    in the 1st Qtr 2014 issue of
    “Retirement Insight and Trends”.


    Publications/Presentations
    Anna Rappaport was writing and studying the implications of our changing demographics for financial security systems long before there was a societal focus on this issue as the Boomers started to reach retirement age. She published her first paper on social and demographic issues in 1975 and has been studying these issues ever since. The topics she focuses on include the future of employee benefits, strategies for retirement security, implications of an aging workforce, phased retirement, post-retirement risk, Social Security and women’s special retirement challenges.

    Anna has written several articles on disability risk and retirement security. Recently she focused on issues related to achieving retirement security in a world dominated by defined contribution plans, and on the impact of long-term disability on retirement security. She has chaired the Society of Actuaries Committee on Post-Retirement Needs and Risks for 15 years, and has played a major role in the development a recognized research program devoted to better understanding and management of Post Retirement Risks.

    Anna is a frequent speaker and contributor to business and trade publications, and is the co-author of three books on the topics of demographics, retiree medical and retirement. For many years, she wrote a column on post-employment benefits for Employee Benefit Plan Review.



    Have Anna Rappaport speak at your event!

    Anna Rappaport is an experienced speaker and keynote presenter on topics pertaining to retirement confidence research.

    Please contact us today via email or phone 847-686-0440 x102 if you would like to have Anna Rappaport present at your conference or appear at one of your events, or to receive a free voucher to view a sample of one of our speaker’s work.



    View other speakers on similar topics suitable for your Retirement Professional Development or National Consumer events:



    Links
    Find courses and products from Anna Rappaport at the Retirement Resource Center.

    Posted in: Lifetime Income, Medical and Long-term Care, PROTECT from Retirement Risks, Successful Aging

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    Denise Appleby, APA, CISP, CRPS, CRC®, CRSP – IRA Strategies for Mistakes Prevention Expert

    Denise Appleby, APA, CISP, CRPS, CRC®, CRSP – IRA Strategies for Mistakes Prevention Expert

    Denise Appleby, APA, CISP, CRPS, CRC®, CRSP – IRA Strategies for Mistakes Prevention Expert

    Denise Appleby, APA, CISP, CRPS, CRC®, CRSP, is adept in all aspects of retirement planning with special expertise in IRA rules, regulations and strategies for mistakes prevention.

    Passion/Expertise
    Denise’s special expertise is her proficiency in and knack for explaining complex retirement plan rules and regulations so that they are easily understood, particularly the intricacies of IRAs.  Denise has extensive experience with training the staff and financial advisors of many broker-dealer on retirement plans related topics, creating a demand for her to speak at various conferences and seminars around the country.

    Position/Experience

    Denise Appleby, APA, CISP, CRPS, CRC®, CRSP – IRA Strategies for Mistakes Prevention Expert

    Denise Appleby, APA, CISP, CRPS, CRC®, CRSP – IRA Strategies for Mistakes Prevention Expert

    Denise is founder and owner of Appleby Retirement Consulting, Inc, a firm that provides IRA tools and resources for financial and tax professionals. Denise’s wealth of knowledge in retirement plans led to her making appearances on CNBC’s Business News and being quoted in the Wall Street Journal, Investor’s Business Daily, CBS Marketwatch’s Retirement Weekly and other financial publications, where she gave insights on retirement planning.

    With over fourteen years of experience in the IRA and defined contribution plans fields, Denise held several senior retirement plans related positions with Pershing LLC, which includes Vice President of Retirement Plans Products and Services, Retirement Plans Manager, Trainer, Training Manager, Compliance Consultant, Technical Help Desk Manager and Writer.

    While with Pershing, Denise served as a member and firm representative of the Security Industry Association’s (SIA) Retirement and Savings Committee and has spoken at their Savings & Retirement Symposium , which is attended by financial services professionals from a variety of fields, including marketing , sales, legal, operations, and strategic planning.

    Education/Certifications/Awards

    Denise Appleby, APA, CISP, CRPS, CRC, CRSP, IRA Expert

    Denise Appleby, APA, CISP, CRPS, CRC, CRSP, IRA Expert

    Denise, a Rutgers State University graduate, holds the following professional certifications:

    • Accredited Pension Administrator (APA), National Institute of Pension Administrators, Chicago IL
    • Certified IRA Services Professional (CISP), Institute Of Certified Bankers, Washington DC
    • Chartered Retirement Plans Specialist (CRPS), College of Financial Planning; Denver CO
    • Certified Retirement Counselor (CRC), International Foundation for Retirement Education (InFRE)
    • Certified Retirement Services Professional (CRSP), Institute Of Certified Bankers, Washington DC

    Denise received several recognition awards for outstanding job-related performances, including Pershing’s Leadership Awards for significant contribution to the development of system rules engine and policies & procedures for changes effected by new tax laws and the Outstanding Representative Award from New York Metropolitan Society of Consumer Affairs Professionals.

    Publications/Books

    How IRA smart are you? - Appleby IRA Training Series

    How IRA smart are you? – Appleby IRA Training Series

    Denise has also written over two hundred articles for many newsletters, including the Pershing LLCs SixtySomething, Pershing LLC’s “The Pershing Press”, Ed Slott’s IRA Advisor and www.Investopedia.com

    With her experience, interests and qualifications dedicated to retirement plans, Denise has co-authored the following three books on retirement accounts:

    Roth IRA Answer Book, Published by Aspen Publishers. TheRoth IRA Answer Book, Sixth Edition, provides an up-to-the-minute tutorial on this subject for a wide variety of professional markets, including pension consultants, insurance agents, financial planners and investment advisors, plan administrators, lawyers, and accountants, as well as businesses that promote, market, service, or provide technical support to retirement plans, products, and related services.

    Quick Reference to IRAs,Published by Aspen Publishers. TheQuickReference to IRAsprovides attorneys, accountants, financial planners, and consultants – along with their clients – with the essential facts and advice regarding the planning, implementation, and administration of IRAs.

    Adviser’s Guide to Retirement Plans for Small Businesses, Published byAICPA. The Adviser’s Guide to Retirement Plans for Small Businesses is designed to provide you with the knowledge and tools you need to offer strategic advice about retirement plans. In 30 chapters, you’ll find discussion of statutory requirements, the legal structure of various plan types, as well as detailed information on plan design, establishment, monitoring, administration, correction of failures, and termination.

    Denise is also an editor, providing technical editing services for books, newsletters , articles and other material on retirement plans and retirement planning. Books edited by Denise includes Quick Reference to IRAs by Gary lesser and Don Levy-2003; SIMPLE, SEP and SARSEP Answer Book by Gary Lesser and Susan Diehl Ninth Edition, “Parlay Your IRA Into a Family Fortune” (Viking; 2005) by Ed Slott.


    Appleby - IRA Strategies for Mistakes Prevention Expert  - YouTube clips Appleby - IRA Strategies for Mistakes Prevention Expert  - YouTube clips View YouTube clips from recent Retirement Resource Center webinars by Denise Appleby and other leading industry experts.


    Traditional IRA Distributions: Optional, Required, Penalties, and Tax Reporting - Denise Appleby - in the 4th Qtr 2014 issue of Retirement InSight and Trends Year-end Planning and Compliance Requirements for IRAs - Denise Appleby - 3rd Qtr 2013  issue of Retirement InSight and Trends article Read summary transcript articles of presentations by Denise Appleby included in recent issues of Retirement InSight and Trends.


    Most Requested Presentations

    1. Beneficiary Matters-Designations Distributions and Traps

    2. Required Minimum Distributions- An Explanation of the Rules that Govern Required Minimum Distributions for IRAs

    3. SIMPLE IRAs Simplified

    4. Year-end Planning and Compliance Requirements for IRA

    What attendees of Denise’s presentations have said
    “She clearly described situations and was sure to include warnings about possible problems. Her presentation style and delivery pace were well suited to the materials. I not only learned from this but also enjoyed it.”
    ~Natalie Choate, Esq.



    Have Denise Appleby speak at your event!

    Please contact us today via email or phone 847-686-0440 x102 if you would like to have this or other speakers present at your conference or appear at one of your events, or to receive a free voucher to view a sample of one of our speakers’ work.



    View other speakers on similar topics suitable for your Retirement Professional Development or National Consumer events:



    Posted in: Legacy Planning, PLAN for Retirement Readiness, PROVIDE Retirement Income, Retirement Distributions

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    Betty Meredith, CFA, CFP®, CRC® – Advocate for Retirement Security of the Mid-Market

    Betty Meredith, CFA, CFP®, CRC® – Advocate for Retirement Security of the Mid-Market

    Betty Meredith, CFA, CFP®, CRC® – Advocate for Retirement Security of the Mid-Market

    Betty Meredith, CFA, CFP®, CRC®, is a leading voice on retirement planning for the middle mass and mass affluent markets.  She is the Director of Education & Research for the International Foundation for Retirement Education (InFRE), whose purpose is to increase the retirement readiness of the American worker through professional retirement certification and continuing education, and the Managing Member of the International Retirement Resource Center.

    Passion/Expertise

    With close to $6.5 trillion in IRAs and the average 401k balance at $224,000 for those around age 60, there are a lot of people who need retirement decision-making help!

    Betty Meredith is a retirement planning education design expert with over 25 years experience creating, producing and publishing application-oriented live, elearning, print and audio education and training for retirement professionals, employees, and consumers. Her specialties are:

    1. Retirement income and planning professional development CE programs
    2. Creating, producing and publishing application-oriented live, elearning, print and audio retirement and financial planning education and training for consumers, employees and advisors
    3. Participation in applied research studies that help advisors more productively and profitably meet the retirement preparedness and income management needs of clients and employees
    4. Financial & retirement readiness literacy education

    Position/Experience

    Betty Meredith has 30 years experience in financial services, over twenty of those years in employee, client, and professional retirement education with major financial services companies and employers. As InFRE’s Director of Education & Research, Betty oversees incorporation of research findings and best practices into InFRE’s retirement certification study, newsletter, and professional continuing education programs in order to help retirement advisors and counselors more effectively meet the retirement preparedness and income management needs of clients and employees.

    As Managing Member of the International Retirement Resource Center, Betty brings retirement planning and income management training to retirement professionals in the public and private sectors.

    Education/Certifications/Awards

    Betty Meredith is a Chartered Financial Analyst (CFA), Certified Financial Planner® (CFP®), and Certified Retirement Counselor® (CRC®). She earned a B.S. in Finance from Wayne State University.

    Betty is a long-time member of the Society of Actuaries multi-disciplinary Post Retirement Needs and Risks committee, the Profit Sharing/401(k) Council of American (PSCA), International Foundation for Employee Benefit Plans (IFEBP), the CFA Institute, the Society of Financial Services Professionals, and other professional associations.

    Betty regularly participates in applied research studies with the Society of Actuaries, LIMRA, Mathew Greenwald & Assoc, Texas Tech University and other organizations. Best practices are then incorporated into InFRE’s retirement certification study and the IRRC’s professional continuing education programs in order to help retirement advisors and counselors more effectively meet the retirement preparedness and income management needs of clients and employees.


    The Stage is Set for Serving the Mid-Market - Meredith and Harness   - YouTube clip View brief YouTube clips from recent Retirement

    Resource Center webinars including Betty Meredith’s


    The Stage is Set for Serving the Mid-Market.


    Publications/Books

    Betty Meredith is co-author along with Kevin Seibert, Managing Director of InFRE, of the professional education series on Managing Retirement Income. She is also the Editor of InFRE’s Retirement Plan Administrator Series and Certified Retirement Counselor (CRC) Study Guides. She is the editor and a contributor to the popular quarterly newsletter about retirement readiness, income management, planning, concepts and trends, Retirement Insight and Trends. She is the author of three books:

    • Controlling Your Financial Future (Self-study book, licensable workshop, elearning course)
    • Securing Your Financial Future (Self-study book, licensable workshop, MP3 and workbook)
    • Finding the Right Financial and Legal Advisors for You (Self-study workbook)

    Betty Meredith has also authored and/or appeared in dozens of consumer and employee retirement and financial planning education programs and publications since 1989, such as:

    • Featured in Robert Powell’s USA Today column: “What should a soon-to-be retiree do with their 401(k) savings?”, USA Today, June 3, 2015
    • Numerous articles in the Journal of Financial Planning
    • “How Prepared is the Retirement Industry for Meeting the Needs of Retiring American Workers?”, Financial Services Review, September 2008
    • Retirement Readiness NOW, US Federal Govt, and Retirement Readiness NOW, Benefits Officer Training, US Federal Govt
    • Please see Betty’s LinkedIn profile for an exhaustive list.

    The Stage is Set for Serving the Mid-Market - Meredith and Harness - Retirement InSight and Trends article Read a summary transcript of Betty Meredith’s presentation The Stage is Set for Serving the Mid-Market in the 2nd Qtr 2014 issue of “Retirement Insight and Trends”.


    Most Requested Presentations

    Betty Meredith has been a regular speaker at national conferences for public and private sector employers and financial services firms on retirement education, retirement income management, and retirement readiness since 1994. Topis include:

    • December, 2011: What consumers want to know about retirement security, Women’s Institute for a Secure Retirement (WISER) 2011 Symposium
    • November, 2010: Outsourcing Education Development, NPEA Annual
    • November, 2008: Trustees as Leaders in Financial and Retirement Literacy, IFEBP Annual
    • April, 2008: Framing the Issues: Retirement Income Questions Individuals Need to Answer, The Retirement Industry Conference, Hosted by LIMRA, LOMA, SOA, and ACLI
    • April, 2008: The Role of the Employer in Helping Employees Transition to Retirement Income,” LIMRA, LOMA, SOA, and ACLI The Retirement Industry Conference
    • February, 2008: Retirement Income Management Suitability: What your client understands – meeting the training challenges for advisors
    • October, 2007: Three Keys to More Effective Participant Education, SOA Annual Meeting
    • October, 2007: Retirement: Unraveling the Mystery and “Financial Education in the WorkPlace” Society of Actuaries Annual Meeting
    • September, 2007: Preparing Future Workers for the Retirement of the Future, PSCA Annual
    • April, 2007: Framing the Issues, Retirement Industry Conference, hosted by LIMRA, LOMA, SOA, and ACLI


    Have Betty Meredith speak at your event!

    Betty Meredith is an experienced speaker and keynote presenter on topics pertaining to retirement and the aging Boomer population.

    Please contact us today via email or phone 847-686-0440 x102 if you would like to have Betty present at your conference or appear at one of your events, or to receive a free voucher to view a sample of one of our speaker’s work.



    View other speakers on similar topics suitable for your Retirement Professional Development or National Consumer events:



    Posted in: Lifetime Income, PLAN for Retirement Readiness, PROTECT from Retirement Risks, PROVIDE Retirement Income, Retirement Distributions, Retirement Spending

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    Kevin S. Seibert, CFP®, CRC®, CEBS – Retirement Planning and Income Management Expert

    Kevin S. Seibert, CFP®, CRC®, CEBS – Retirement Planning and Income Management Expert

    Kevin S. Seibert, CFP®, CRC®, CEBS – Retirement Planning and Income Management Expert

    Kevin S. Seibert, CFP®, CRC®, CEBS is a professional development trainer in retirement planning and retirement income management for advisors serious about working with the mid-market.

    Passion/Expertise
    Kevin has more than 30 years experience in retirement benefits, financial planning, and financial education. He is considered a leading expert on retirement income management, presenting at dozens of conferences and quoted in Investment News, Financial Planning Magazine, the Retirement Income Journal, and other financial publications.

    Position/Experience
    Kevin Seibert joined the International Foundation for Retirement Education (InFRE) in 2003 and now serves as Managing Director. InFRE is the non-profit which confers the Certified Retirement Counselor® (CRC®) certification, a must-have for advisors who want to serve the retirement planning, risk and income management needs of the mid-market.

    Prior to InFRE, Kevin was co-founder of Balance Financial Services, a Chicago area financial planning and consulting firm. Before founding Balance in 1988, he was a consultant for William M. Mercer, Inc. and was responsible for the implementation of compensation and employer provided benefit plans. Kevin was also Director of Marketing for a New Jersey based company specializing in the development and distribution of defined contribution and financial planning programs.


    Kevin Seibert - Retirement Planning and Income Management Expert - YouTube clips Kevin Seibert - Retirement Planning and Income Management Expert - YouTube clips View YouTube clips from recent Retirement Resource Center webinars featuring presentations by Kevin Seibert and other leading industry experts.


    Education/Certifications/Awards
    Kevin Seibert is a Certified Financial Planner® (CFP®), a Certified Employee Benefits Specialist (CEBS), and a Certified Retirement Counselor (CRC®).

    Kevin earned his MBA in finance from the University of Wisconsin and received his undergraduate degree in finance from Miami University of Ohio. Serving as Treasurer and Executive Board member for the Greater Chicago Chapter of the International Society of Retirement Planners, Kevin played an active role in providing on-going retirement planning education to professional and employer members of this organization.

    Publications/Books
    Kevin Seibert is co-author along with Betty Meredith, Director of Education and Research for InFRE, of a series of professional education courses on managing retirement income received by more than 15,000 advisors and retirement counselors since 2004 in live, print, elearning and audio formats.


    Improving Retirement Readiness for State and Local Government Employees - Kevin Seibert - in the 2nd Qtr 2014 issue of Retirement InSight and Trends Introduction to Managing Retirement Income - Kevin Seibert - 1st Qtr 2015 issue of Retirement InSight and Trends article Click on the icons to the right to read summary transcript articles of presentations by Kevin Seibert in recent issues of Retirement InSight & Trends.


    Most Requested Presentations

    1. Retirement income management training and continuing education for professionals
    2. Sales meeting and conference presentations on retirement income
    3. Certified Retirement Counselor® training and education
    4. Employee workshops and seminars on retirement planning and retirement income management.

    What attendees of Kevin’s presentations have said
    What customers have said about this product...“Kevin is an outstanding presenter. He made the topic both interesting and easy to follow and understand. The points were presented in a most logical order and built upon one another to present a complete picture of issues facing public sector employees.”
    “This presentation contained pertinent and realistic information.”
    Some of the best information I have ever received about financial planning for retirement. Very happy I took this class. Important, useful information. Mind blowing!! Thanks, Mr. Seibert!!!”  



    Have Kevin Seibert speak at your event!

    Kevin Seibert is an experienced speaker and presenter with a wealth of knowledge on retirement planning and retirement income management.

    Please contact us today via email or phone 847-686-0440 x102 if you would like to have Kevin present at your conference or appear at one of your events, or to receive a free voucher to view a sample of one of our speaker’s work.



    View other speakers on similar topics suitable for your Retirement Professional Development or National Consumer events:



    Links
    Kevin S. Seibert, CFP®, CRC®, CEBS, InFRE Managing Director

    Posted in: Lifetime Income, PLAN for Retirement Readiness, PROTECT from Retirement Risks, PROVIDE Retirement Income, Retirement Distributions, Retirement Spending

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    Joe Tabers, CSP – Effective Presentations Skills and Retirement Counseling Skills Expert

    Joe Tabers, CSP – Effective Presentations Skills and Retirement Counseling Skills Expert

    Joe Tabers, CSP – Effective Presentations Skills and Retirement Counseling Skills Expert

    Joseph Tabers, CSP, Joe Tabers Consulting, is an expert in improving workplace presentations, interpersonal communication skills and relationships.

    Passion/Expertise
    As a seasoned businessman, educator and performance improvement coach, Joe Tabers brings to his audiences a wealth of valuable, practical experience that includes extensive training and research in adult learning, communication and management leadership skills at a national level. Joe studies the skills needed for developing human potential, working with organizations and executives who are serious about improving trust, communication and relationships for creating more meaningful and productive workplaces. He has encouraged thousands of individuals to increase both their personal and professional effectiveness.

    Joe’s goal is to make a difference by helping people become the best versions of themselves they can be. He is an engaging conference speaker and interactive workshop leader, and has encouraged thousands of individuals to increase both their personal and professional effectiveness. As a proven professional speaker, author and communication coach, Joe has a special talent for helping presenters connect better with audiences, from high-level professionals to frontline workers.

    Joe Tabers, CSP – Effective Presentations Skills and Retirement Counseling Skills Expert

    Joe Tabers, CSP – Effective Presentations Skills and Retirement Counseling Skills Expert

    Position/Experience
    Joe Tabers is the founder of Productive Training Services, whose team specializes in practical leadership and team performance solutions. Over the last 20 years his team has helped more than 400 organizations and thousands of individuals increase their workplace effectiveness by enhancing their communication skills.

    Since 1984 Joe has conducted over 3,000 workshops in more than forty five states and four countries. He has also authored over a dozen practical skill-building workshops in the areas of Interactive presentation skills, leadership enhancement, organizational teamwork and quality customer service. His many clients include:

    • Major manufacturing corporations – Ford, Daimler Chrysler, General Motors, Mazda …
    • Government bureaus – NASA, US Census Bureau, US Office of Personnel Management …
    • Financial institutions – Financial Executives Institute, Metlife Consulting Services, Michigan Credit Union League, Royal Financial Services, Inc., Selectcare …
    • Non-profit organizations – Cambell and Company, C. S. Mott Foundation, Flint Osteopathic Hospital, Michigan Association of Intermediate School Administrators …
    • Technical companies – Atlas Copco, Bartech, SARNS 3M, Visteon, Hitachi Data Systems, Vector Cantech …
    • and many more!

    Today Joe works mostly with organizations and executives who are serious about improving trust, communication and relationships for creating more meaningful and productive workplaces.


    Principles of Effective One-to-One Communication - Joe Tabers - YouTube clip View brief YouTube clips from
    Retirement Resource Center webinars
    including Joe Tabers’

    Principles of Effective One-to-One Communication.


    Certifications/Awards
    Joe is a twenty-five year member of the National Speakers Association, and one of less than 10% of their nearly 5,000 international members to earn the credential of Certified Speaking Professional (CSP). CSP is the highest earned designation from the National Speakers Association. It recognizes a commitment to ongoing education, proven speaking experience and ethical behavior. He is past president of the Professional Speakers Association of Michigan and a member of the American Society for Training and Development.

    What attendees of Joe’s presentations have said:

    What attendees have said about these presentations...

    What attendees have said about these presentations…

    • “Thanks again for the outstanding session on Executive Motivation that you conducted for the Financial Executives Institute today. This program received the highest ratings of any professional development session we have conducted.”
      – Chairman of Professional Development, Financial Executives Institute
    • “I would like to thank you for the Team Building Workshop that you conducted last Friday for our Executive Committee. The material presented met our goals and your presentation exceeded our expectations.” – Director of Human Resources, Nachi Robotics
    • “On behalf of a grateful crew of account executives and consultants, I would like to express my deep appreciation for the fine job of sales training you did for us. Your ratings were very high and staff has expressed a desire for additional training (something I did not expect from this bunch).” – Director, Business Development, CU Corp.
    • “I just wanted to thank you again for the wonderful job you did with EFFECTIVE COMMUNICATIONS. Our managers found this program to be one of the most enjoyable and informational classes of their training series. I am not sure if you realize that the eight sessions you did for us trained approximately 200 employees. I would recommend these sessions to any business interested in re-igniting their employees on the importance of communication.” – Training & Organizational Development Manager, Detroit Newspapers
    • “The program was motivating, entertaining, and very effective. These points are directly related to the overall extreme effectiveness of the instructor. One of the best courses I’ve attended.” – Joe Alsman, Auditor
    • “I gained good and valuable motivation skills which every manager needs.” – Diana Dulkiewicz, Collection Manager
    • “The instructor was well-informed, presented the information excellently and made the class very interesting. This was one of the best classes I ever attended. I feel that I am leaving with so much more than I came with.” – Barbara Pittelka, Quality Assurance Specialist
    • “Outstanding presenter; knowledgeable – well prepared – effective – organized – caring.” – Ed Kanne, Senior Realty Specialist
    • “The presentation was active and flowing. Thoroughly enjoyable and educational.” – Rick Cargill, Superintendent
    • “99% of the participants rated their experience of the overall seminar as very good or excellent. Thank you so much!” – Maribeth Bramlage, Education Specialist


    Have Joe Tabers speak at your event!

    Joe Tabers is an experienced speaker and keynote presenter on topics pertaining to retirement confidence research.

    Please contact us today via email or phone 847-686-0440 x102 if you would like to have Joe Tabers present at your conference or appear at one of your events, or to receive a free voucher to view a sample of one of our speaker’s work.



    View other speakers on similar topics suitable for your Retirement Professional Development events:



    Links
    Find courses and products from Joe Tabers at the Retirement Resource Center.

    Posted in: PLAN for Retirement Readiness, Retirement Coaching

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