Archive for Legacy Planning

Robert S. Keebler, CPA/PFS, MST, AEP, CGMA – Estate Tax and Retirement Distribution Planning

Robert S. Keebler, CPA/PFS, MST, AEP (Distinguished), CGMA is a partner with Keebler & Associates, LLP and the current chairman of the AICPA Advanced Estate Planning Conference.

In 2007 he was inducted into the Estate Planning Hall of Fame of National Association of Estate Planners & Councils. He has also been named by CPA Magazine as one of the Top 100 Most Influential Practitioners in the United States and one of the Top 40 Tax Advisors to Know During a Recession. His practice includes family wealth transfer and preservation planning, charitable giving, retirement distribution planning, and estate administration. Mr. Keebler frequently represents clients before the National Office of the Internal Revenue Service (IRS) in the private letter ruling process and in estate, gift and income tax examinations and appeals, and he has received more than 200 favorable private letter rulings including several key rulings of “first impression”. He is the author of over 100 articles and columns and is the editor, author or co-author of many books and treatises on wealth transfer and taxation. Mr. Keebler has been a speaker at national estate planning and tax seminars for over 20 years including the AICPA’s: Estate Planning, High Income, Advanced Financial Planning Conferences, ABA Conferences, NAPEC Conferences, The Notre Dame Estate Planning Conference and the Heckerling Estate Planning Institute.

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Rex Hogue, Attorney, Estate Law Expert

Attorney Rex L. Hogue has earned acclaim for involvement in groundbreaking cases and is frequently asked to speak on family limited partnership and other complex aspects of estate planning and administration.

Attorney Rex L. Hogue

Rex L. Hogue is an Attorney and Partner with the firm Haiman Hogue, PLLC, in Frisco Texas.

Passion/Expertise
Mr. Hogue limits his practice to estate planning, including estate and gift tax planning, tax planning, business planning, asset protection planning, charitable planning, probate, trust, and estate administration matters. He has a statewide law practice, planning for estates ranging in size from very small to about $300 million. He frequently works with other attorneys on complex estate planning cases. Limited partnerships expertly prepared by him have received valuation adjustments ranging from 40-60% from IRS appraisers.

Position/Experience
Mr. Hogue started his legal career practicing estate planning with the law office of Barnhouse & Associates, in Richardson, Texas, in 1992, eventually becoming a name partner in the firm. In 1994, he accepted a position at Warner E. Stone & Associates, in Dallas, Texas, as the head of the estate-planning department. In November 1996, he joined Matt Fry to form the law firm of Fry & Hogue. After being a solo practitioner, Rex L. Hogue, PC, for several years, Mr. Hogue partnered with Bradley L. Bolinger to form the firm of Bolinger & Hogue, LLP, from 2006-2013. On June 1, 2016, he merged with another law firm, forming Haiman Hogue, PLLC.

Mr. Hogue designed the family limited partnership in the case of Estate of Kelley v. Commissioner, TC Memo 2005-235. The case was decided in 2005 and is considered a huge taxpayer victory. He is frequently asked to speak regarding their success in that case.

Education/Memberships
Mr. Hogue graduated from Texas Tech University, located in Lubbock, Texas, receiving his B.A. in 1982. He worked as a business specialist and managed an office for Business Investment Group, specializing in the merger and acquisition of privately held companies. He later founded a financial consulting firm. Then he went to law school, receiving his Juris Doctor in 1992 from Regent University; a private Christian graduate school located in Virginia Beach, Virginia.

Mr. Hogue is a member of the State Bar of Texas (and the Real Estate, Trust, and Probate Section), is a current subscriber to WealthCounsel, the Texas Forum, the Denton County Bar Association (Real Estate, Trust, and Probate Section), and the Asset Protection Council™. He served a three-year term as the president of the Texas Forum from 1995 through 1998. The Texas Forum serves more than forty estate planning attorneys across Texas, providing at least one “Education Day” per year for attorneys to provide training in up-to-date estate planning techniques, and providing a support network to assist attorneys in a variety of ways in their practices. He is a former member of the National Network of Estate Planning Attorneys from 1993 to 2001, and formerly a member of the Irving Bar Association and the Frisco Bar Association.

Publications/Presentations
Mr. Hogue is a published author and is one of seven co-authors of the Family Limited Partnership Practice System, published by WealthCounsel, LLC. It is a six-volume set designed for estate planning attorneys, published in 2000 and is available for sale to attorneys. He is also a contributing author to WealthDocs, the WealthCounsel Document Assembly System. He was a contributor to a two-day course for attorneys on Family Limited Partnerships and the presentations in the Family Limited Partnership Practice System practice development modules, and formerly published two ezines, Today in History and Wealth Creation and Preservation.

The book Practical Estate Planning is an easy to understand book for the general public that explains the pros and cons of the basic estate planning tools, and explains how to go about the estate planning process. He wrote several reports on estate planning:

  • A Family Estate Planning Report
  • Beneficiary Designations
  • Is Your IRA an IOU, to the IRS?
  • Title to Property
  • Case Histories
  • 6 Bullets Your Simple Will Can’t Dodge
  • Heritage Trusts
  • The Ultimate Asset Protection Plan
  • Several articles for the Dallas Association of Life Underwriters magazine

Mr. Hogue has six courses for financial and accounting professionals:

  • Practical Estate Planning “A to Z”
  • Introduction to Estate Planning
  • Practical Irrevocable Life Insurance Trusts
  • What Every CPA Should Know About Estate Planning – for Small Estates, Mid-Size Estates, and Large Estates

Mr. Hogue frequently lectures and teaches about estate planning. He is a certified instructor through the Advanced Wealth Strategies Institute for Estate Planning, an organization that provides Continuing Education credit courses for insurance agents and financial planners, and for Continuing Professional Education for CPAs.

Mr. Hogue has taught Continuing Legal Education courses in estate planning. He has spoken several times on estate planning subjects to the Irving Bar Association, the Denton County Bar Association, the Frisco Bar Association, the Collin County Bar Association, the Plano Bar Association, the National Network of Estate Planning Attorneys, WealthCounsel, the Texas Forum, InKnowVision, and such groups as Lorman Educational Services, My Law CLE, Optimal Financial Group, and Sterling Education Systems.

Mr. Hogue teaches Continuing Education courses for life insurance agents and financial planners in a variety of estate-planning subjects. He has trained life insurance agents for the National Association of Insurance and Financial Advisors, and companies such as All State, Ameriprise Financial Advisors (including speaking at the American Express Education Day), American General Life Insurance, Farmers Insurance Group, Dean Witter, Metropolitan Life (including speaking at the MetLife Tax Institute), New York Life, Northwestern Mutual, Prudential, Southwest Securities, and other companies. Insurance companies frequently have him speak to their agents in the state of Texas. He also trains the appraisal experts at Appraisal Technologies Inc., a nationally known appraisal firm, in estate planning.

Mr. Hogue has taught courses in estate planning at local community colleges for adult continuing education and a variety of small groups such as civic clubs, ladies clubs, investment clubs, etc. In addition to presenting courses on estate planning techniques, he has presented related courses on planning for minor children, planning for special needs, property ownership, community property, the initial client interview, and estate planning for qualified retirement plans.

Mr. Hogue has also been a guest on several radio shows regarding estate planning. He co-hosted a radio show called Tax Talk in 2010 with Jeff Pickering.



Have Rex Hogue speak at your event!

Rex Hogue 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 Rex Hogue or any of our 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 speaker’s work.



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Curtis Cloke, CLTC, LUTCF, RICP – Retirement Income Expert

Curtis Cloke, CLTC, LUTCF, RICP - Retirement Income Expert

Curtis Cloke, CLTC, LUTCF, RICP – Retirement Income Expert

Curtis Cloke, CLTC, LUTCF, RICP, is an award-winning financial professional and retirement income expert, trainer, and speaker with three decades of experience in income distribution planning.

Passion/Expertise
Curtis actively engages all his audiences with his personable character and genuine care for clients’ retirement needs and concerns. Through his extensive experience, he has perfected the ability to quickly and accurately identify the income needs of all his clients and he’s developed a system-based sales approach that he teaches to advisors. Beyond using annuities to create guaranteed income for life, he shows advisors how to generate the maximum inflation-adjusted income for their clients using the least amount of the portfolio.

Position/Experience
Curtis began his career as a financial professional with Prudential Financial. After many successful years with Prudential, he merged with a second firm and then in may of 2014, he founded his own firm, Acuity Financial, Inc. This is where his continues to apply and blend his expertise for his clients by providing advanced retirement income-planning strategies and techniques for financial professionals. Curtis is the developer of the Thrive Income Distribution System®, that provides a contractual solution for inflation-adjusted income utilizing the least amount possible of the client’s portfolio value. He has also developed and provided continuing education training to professionals on many topics relating to retirement and estate- planning strategies.

Memberships/Certifications
Curtis is a member of the National Insurance and Financial Advisors Association (NAIFA), and is a former president of the Southeast Iowa Association. He is a member of the Society of Financial Service Professionals (FSP) and is a qualifying member of Top of the Table with the Million Dollar Round Table (MDRT). He has earned his CLTC (Certified in Long Term Care) and LUTCF (Life Underwriters Training Council) designations, and moderates development courses for the Life Underwriters Training Council.

Presentations/Publications/Awards
With a track record of spot-on media commentary, Curtis Cloke’s expertise has been featured in Senior Market Advisor, InsuranceNewsNet, Retirement Income Journal, NAFA Annuity Outlook, The Wealth Channel magazine, DepositAccounts.com, LifeHealthPro.com, and many more. He is a frequent guest on radio and TV stations, has appeared as a guest on NAIFA ClientCast by Real Wealth® and as a guest presenter on their webinar series, Power Session LIVE by Real Wealth®.
Curtis was recognized in 2009 as a top-five finalist for Advisor of the Year by Senior Market Advisor magazine.

Testimonial
“I have found Curtis Cloke to be one of the financial services industry’s sharpest minds. He has a special gift of creativity to help solve clients’ financial needs. His expertise places him at the top of our industry specialists in retirement planning. I admire his talent – but especially his outstanding integrity.”



Have Curtis Cloke speak at your event!

Curtis Cloke 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 Curtis or any of our 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 speaker’s work.



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



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

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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:



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