Archive for PROVIDE Retirement Income

William Meyer, CEO, Retiree, Inc. and Social Security Solutions, Inc.

William Meyer, CEO, Retiree, Inc. and Social Security Solutions, Inc.

William (Bill) Meyer, CEO, Retiree, Inc. and Social Security Solutions, Inc., is a nationally recognized expert in retirement income withdrawal strategies and Social Security claiming strategies. With Dr. William Reichenstein from Baylor University, he developed Income Strategy and Social Security Solutions, the leading retirement income management and withdrawal software for financial advisors, IncomeSolver.com.

Bill’s robust research is recognized for identifying the sub-optimal nature of the conventional wisdom currently used to create withdrawal strategies and solving the gap in retirement income with a tax-efficient withdrawal strategy that is proven to extend portfolio longevity by up to a decade.

Bill has been the featured speaker at national events, and recently spoke in front of a Senate Committee regarding improving Social Security. He is a former Trustee of the Securities Industry Institute at Wharton and holds multiple securities licenses.

Meyer earned his Bachelor of Science degree in Psychology from UCLA and his MBA degree from the Anderson School at UCLA.

Posted in: PROVIDE Retirement Income

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Lili Vasileff, CFP®, MAFF, CDFA® – President, Divorce and Money Matters, LLC

Lili Vasileff, CFP®, MAFF, CDFA®

Lili Vasileff, CFP®, MAFF, CDFA®

Lili Vasileff, CFP®, MAFF, CDFA®, President, Divorce and Money Matters, LLC and Wealth Protection Management

Lili Vasileff, CFP®, MAFF, CDFA®, President of Wealth Protection Management, is a nationally recognized expert practitioner, leader, author, writer, and speaker about financial planning for wealth protection.

Lili is sought after for her seasoned experience and deep knowledge about complicated financial issues in wealth management and is called into cases that have national recognition. Lili is qualified as a testifying expert in courts.

Presentations by Lili Vasileff, CFP®, MAFF, CDFA®

Lili Vasileff is one of the distinguished trailblazers of divorce financial planning who has been a catalyst in developing a professional niche that has led to an international movement and thousands of practitioners today. A highly regarded educator, trainer, and speaker, she is sought after by international financial planning institutions and legal professionals.

Webinar courses available from Lili Vasileff, CFP®, MAFF, CDFA®:
 

The Platinum Retirement Challenge – Gray Divorce – Lili Vasileff

Every 10 seconds a Boomer turns 60 years old. Gray divorce is what many boomers face. Among U.S. adults over age 50, the divorce rate has doubled since 1994. Contrary to expectations, long term marriages are not immune and the largest increase (55%) is in first time marriages of over 20 years.

More about Lili Vasileff

Lili Vasileff serves as President Emeritus of the Board of Directors of the national Association of Divorce Financial Planners and holds active memberships with the Financial Planning Association, the Connecticut Council of Non-Adversarial Divorce (CCND), CT Bar Association, New Haven County Bar Association, Fairfield County Bar Association, New York Association of Collaborative Professionals, Collaborative Divorce Team of Connecticut, Institute of Divorce Financial Analysts, and International Academy of Collaborative Professionals. She is also a founding member of the Collaborative Divorce Team of CT, and currently serves as the Chair of the Finance Subcommittee of the New York County Law Association’s Family Law and Child Welfare Committee.

Among Lili’s many publications and accomplishments:

· Author of Money and Divorce: The Essential Roadmap to Mastering Financial Decisions, published by the American Bar Association, January, 2018
· Co-author of The Ultimate Divorce Organizer: The Complete Interactive Guide to Achieving the Best Legal, Financial and Personal Divorce
· Co-author of “Complex Compensation Issues in Divorce,”
· Chapter in the book Forensic Accounting in Matrimonial Divorce
· Frequently featured in national media including radio, talk, and print: The New York Times, Wall Street Journal, Journal of Financial Planning, Money Magazine, Time, AARP, Reuters, and CNBC
· A Five Star Wealth Manager featured for 7 consecutive years in Connecticut Magazine and Westchester Magazine
· A 2017 & 2018 Women’s Choice Award® Financial Advisor, representing less than 1% of all financial advisors in the U.S.
· The Founder of Allie’s Dream Inc. (alliesdream.org) and Board Member of several non-profit organizations

How can you hire Lili to speak at your event?

Lili Vasileff is an experienced speaker and presenter with a wealth of knowledge on retirement planning and retirement income management and is available to speak at your conference or appear at one of your events. Email or phone 847-686-0440 x102 us directly to receive a free voucher to view a sample of Lili’s presentations.

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

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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 published 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, 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 RetirementResearcher.com.

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, PROTECT from Retirement Risks, PROVIDE Retirement Income, Retirement Distributions, Speakers for Retirement Professional Development

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Mary Beth Franklin, CFP®, Expert on Social Security Claiming Strategies

Mary Beth Franklin, CFP®, Expert on Social Security claiming strategies

Mary Beth Franklin, CFP®, Expert on Social Security claiming strategies

Mary Beth Franklin, CFP®, Contributing Editor, InvestmentNews, is a nationally known and frequently quoted expert on Social Security claiming strategies.
 

Passion/Expertise

Mary Beth Franklin has a long-time interest and expertise in retirement issues, Social Security, and taxes, with a background in the federal budget, international trade, and Capitol Hill as it affects personal finance.

Position/Experience

Mary Beth Franklin is the President of RetirePro and a Contributing Editor to InvestmentNews. She has served as a Senior Editor to Kiplinger’s Personal Finance and a Syndicated Columnist for Maturity News Service/Third Age Media, using her background as a Capitol Hill reporter.

Presentations and Publications by Mary Beth Franklin
 

Mary Beth Franklin, CFP®, Expert on Social Security Claiming Strategies

Mary Beth Franklin, CFP®

Mary Beth writes regularly about the latest research and thought leadership on retirement income planning. Her most recent book, “Maximizing Social Security Retirement Benefits – Everything you need to know to get the most out of complicated new claiming rules’, has been updated to reflect changes in claiming strategies due to the Bipartisan Budget Act of 2015.

Presentations usually range from 45 to 90 minutes and include questions and answer sessions with the audience. Some of Mary Beth Franklin’s presentations include:

  • How to Maximize Social Security Benefits Now” discusses the new claiming rules authorized by the Bipartisan Budget Act of 2015 and reviews strategies for married couples, divorced spouses, surviving spouses and ex-spouses and single individuals.
  • The Broken Three Legged Stool” discusses the demise of pensions as a traditional element of retirement income and the need to include all sorts of assets beyond retirement accounts (such as home equity and continued employment) when creating a retirement income plan. It includes ways to maximize Social Security benefits under current rules.
  • The Ticking Tax Time Bomb” outlines the challenges of managing retirement income in the most tax-efficient manner and discusses the impact on retirement income on Medicare premiums.
  • Why Social Security is Crucial to Women – Women represent more than half of all Social Security benefits whether on their own earnings record or as a spouse, a caregiving spouse, an ex-spouse or a widow. Although women now work and pay Social Security taxes at higher rates than any other time in history, they face considerable retirement planning challenges due to their longer average lifespans and careers that are often interrupted for caregiving duties.
Education/Certifications

Mary Beth has a Bachelor of Arts, Communications, Cum Laude from American University, and her Certificate, Certified Financial Planning, from the University of Virginia.


Have Mary Beth Franklin speak at your event!

Mary Beth Franklin is an experienced speaker and presenter with a passion for providing industry-leading information to her audiences. She is available to speak at your conference or appear at one of your events.

Inquire here about having Mary Beth Franklin 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 Mary Beth Franklin:
 

Women and Retirement – Cindy Hounsell, Mary Beth Franklin, Shelley Giordano, Betty Meredith

By being retirement smart, we can help our women clients prepare ahead of time for the retirement-specific risks that are most likely to affect them.

In retirement, women are more at risk than men of living longer than expected, surviving a spouse, experiencing a “grey divorce”, being a caregiver, dealing with the long-term care expenses of a spouse, and eventually relying solely on Social Security for their retirement income.

“Women and Retirement” provides specifics about what planners should do to help their women clients be more retirement secure.

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

 
 

Posted in: Lifetime Income, PROTECT from Retirement Risks, PROVIDE Retirement Income, Social Security, Speakers for Consumer Events, Speakers for Retirement Professional Development

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Matthew Allen, CEO, Social Security Advisors

Matthew Allen is the Co-Founder/CEO of Social Security Advisors and creator of the new course Maximizing Your Social Security produced in conjunction with Weiss Educational Services.

 Passion/Expertise

Having performed countless hours of client-focused research, Matthew applies this powerful knowledge and expertise by bringing insightful product vision, finance, and leadership skills to Social Security Advisors.

Position/Experience

In addition to co-founding Social Security Advisors, Matthew also founded The Universal Group of Companies, a private investment firm, in 2004. From 2000 to 2004, Matthew was a NYSE Market Maker with LaBranche & Co., a Fortune 500 New York Stock Exchange firm.

During his tenure, Matthew was responsible for a variety of collaborative responsibilities including: investment analysis, economic analysis, and equities and fixed-income trading. In conjunction with his associates at LaBranche, Matthew actively participated as a market maker in several of the largest NYSE-listed equity and fixed-income securities including, but not limited to: American Express, Inc., Merck & Co., Inc., Altria Group, Inc., Morgan Stanley, The Gap Inc., and SBC Communications, Inc.

Presentations by Matthew Allen

Matthew is an established speaker on Social Security topics, including how to maximize your clients’ Social Security.

As a serial entrepreneur who is driven by a passion for providing industry-leading advice to his clients, Matthew Allen has been at the forefront of financial services for over a decade. He has helped thousands of seniors maximize their Social Security benefits and avoid costly mistakes when filing.

In working with his clients, he realized that there was a major education and advice gap when it came to Social Security and was determined to fill this void by co-founding Social Security Advisors.

Education/Certifications

Matthew has pursued advanced education in the areas of business, finance, law, and politics and has held the Series 65, Series 25, and Series 21 licenses and certifications, and has been awarded the CFA Institute’s Certificate of Achievement.

Have Matthew Allen speak at your event!

Matthew Allen is an experienced speaker and presenter with a passion for providing industry-leading information to audiences. Matthew is available to speak at your retirement meeting, conference or event.

Inquire here about having Matthew Allen 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 Matthew Allen
 

Maximizing Your Clients’ Social Security – Matthew Allen

With over 10,000 baby boomers claiming their Social Security each day for the next twenty years, you are going to receive many Social Security questions.

The average couple receives over $1 million in lifetime Social Security benefits, so for many of your clients, this will be a critical component of their overall financial and retirement planning.

In addition to adding value by helping your existing clients make an informed Social Security decision, knowledge of Social Security can also be helpful to your overall practice and is a great lead generator.

For more on this subject by Matthew Allen you may take this course for CFP®, CRC&reg, ASPPA, American College, and other continuing education credits here.

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

Posted in: Lifetime Income, PROTECT from Retirement Risks, Social Security, Speakers for Retirement Professional Development

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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.

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

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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.

Read the Key Retirement Takeaways by Steve Vernon from “How to “Pensionize” Any IRA or 401(k) Plan”:
 

#retirementincome #stevevernon #retirementresourcecenter #keyretirementtakeaways
@retirementrectr Instagram, Facebook, Twitter, LinkedIn

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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Heather Schreiber, RICP® Founder and President, HLS Retirement Consulting, LLC

Heather Schreiber, RICP® Founder and President, HLS Retirement Consulting, LLC

Heather Schreiber, RICP®
Founder and President, HLS Retirement Consulting, LLC

Heather Schreiber, RICP®, President and Founder, HLS Retirement Consulting, LLC, Retirement Income Strategist, Speaker, Writer, and Trainer to Financial Professionals
 

Passion/Expertise

With a focus on holistic planning, Heather Schreiber, RICP®, prides herself in her ability to customize potential solutions to meet the needs of each client or prospect as well as her ability to turn complex strategies into easy to understand terms.

Position/Experience

In her 20th year in the industry, Heather has worked within the finest organizations including Franklin Templeton Group of Funds, AXA Advisors, SunTrust Bank and one of the largest FMOs in the country.

Heather’s breadth of knowledge extends far beyond Social Security planning and includes retirement income distribution strategies, charitable giving, the rules that govern qualified plans and IRAs, multi-generational planning, tax mitigation techniques, and IRS reporting issues to name a few.

Presentations and Publications by Heather Schreiber
 

Heather Schreiber is frequently asked to speak at industry events, radio programs, recruiting webinars and created and led a series of bi-annual 2 ½ day intensive training events for elite advisors on effectively weaving Social Security planning into their sales process.

Heather’s enthusiasm for her craft and those with whom she partners extends beyond the knowledge that she has gained through a career dedicated to helping financial professionals create retirement income solutions for their clients; she is the consummate educator and loves to teach financial professionals as well as their strategic partners new strategies to help their clients move into an informed retirement with a greater sense of confidence. She has often been told that her quick wit and engaging teaching style make learning fun!

Have Heather Schreiber speak at your event!

Heather Schreiber is an experienced speaker and presenter with a wealth of knowledge on retirement planning and retirement income management and is available to speak at your conference or appear at one of your events.

Inquire here about having Heather Schreiber speak at your conference or event!

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


Retirement Resource Center Webinar courses available from Heather Schreiber
 

Social Security: Uncovering Opportunities to Bring Value to Your Clients and Prospects – Heather Schreiber

Social Security is a very real part of the retirement income for the majority of Americans. As financial professionals, it is difficult not to weave this component into your conversations with your clients and prospects and they prepare for retirement.

Learn about Social Security from a holistic point of view and how you can help uncover opportunities to enhance retirement income for your clients.

 
 

Posted in: PROVIDE Retirement Income, Social Security

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Blaine Aikin, AIFA®, CFA, CFP® – Fiduciary Responsibility Expert

Blaine Aikin, AIFA®, CFA, CFP®, Executive Chairman of Fi360, Inc. and serves as the current Chair of the Board of Directors of the CFP Board of Standards.

Blaine Aikin, AIFA®, CFA, CFP®

Blaine Aikin, AIFA®, CFA, CFP® is the Chief Executive Officer of fi360. Fi360 is a national and international leader in the field of investment fiduciary responsibility, providing training, Web-based analytical tools, and resources for those who manage money on behalf of others.

Passion/Expertise
Blaine’s specialties include fiduciary responsibility, investment management, financial planning, public policy and management. His goal as Executive Chairman of fi360 is to assure that fi360 provides exceptional professional development programs, investment and business management tools, and business and industry thought leadership to improve the decision making of those who manage money on behalf of others. fi360 seeks to promote a culture of fiduciary responsibility to align the interests of investors and investment professionals.

Position/Experience
After receiving his Master of Public Management and Policy degree, Blaine was selected for the prestigious Presidential Management Intern Program which involved management assignments in the U.S. Department of Treasury and the U.S. Senate. He subsequently served as Budget Officer for Prince William County, Virginia. Blaine then entered the private sector in professional financial management. He earned the Certified Financial Planner (CFP) and Chartered Financial Analyst (CFA) designations and served as a principal and Chief Investment Officer of Allegiance Financial Advisors. After providing contract training and consulting services for PNC Financial Services Group, Blaine became a Senior Vice President and Director of Product Development and Management for PNC Advisors.

Memberships/Certifications
For several years, Blaine served as an adjunct faculty member of the College for Financial Planning; providing instruction in investment planning and other subjects leading to the Certified Financial Planner designation. Blaine received a Masters in Public Policy and Management from The Heinz School, Carnegie-Mellon University, and holds Accredited Investment Fiduciary Analyst (AIFA), Chartered Financial Analyst (CFA), and Certified Financial Planner (CFP) certifications.

Presentations/Publications/Awards
Blaine is the author of numerous articles on the subjects of fiduciary responsibility and investment management, and the author of the monthly Fiduciary Corner column in InvestmentNews magazine.



Have Blaine Aikin speak at your event!

Blaine Aikin 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 Blaine 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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Posted in: PROVIDE Retirement Income, Retirement Coaching, Retirement Distributions

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Roy Ramthun, MPH – Health Savings Account (HSA) Expert

Roy Ramthun, MPH, HSA Expert

Roy Ramthun, MPH, HSA Expert

Roy Ramthun, MPH, “Mr. HSA”, is the President and Founder of Ask Mr HSA.

Passion/Expertise

Roy is a nationally-recognized expert on Health Savings Accounts and consumer-directed health care issues. He is an active advocate for consumerism in health care and is a frequent speaker at conferences and seminars around the country.

Position/Experience

Mr. Ramthun has over twenty-five years of health care and public policy experience, both in government and in the private sector. He led the U.S. Treasury Department’s implementation of HSAs after they were enacted into law in 2003. President George W. Bush then tapped Mr. Ramthun to be his health care policy advisor at the White House, where he developed the President’s proposals to expand HSAs while overseeing the implementation of the Medicare prescription drug benefit (Part D). He has served on the staff of the U.S. Senate Committee on Finance and the U.S. Health Care Financing Administration (now known as the Centers for Medicare & Medicaid Services). He also spent eight years with Humana Inc. and led the West Health Policy Center for two years.

Education/Certifications

Mr. Ramthun holds a Master of Science degree in Public Health from the University of North Carolina, and a Bachelor of Science degree from the University of Michigan.



Have Roy Ramthun speak at your event!

Roy Ramthun is an experienced speaker and presenter with a wealth of knowledge on HSAs and retirement income management.

Please contact us today via email or phone 847-686-0440 x102 if you would like to have Roy 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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Posted in: Medical and Long-term Care, PROTECT from Retirement Risks, PROVIDE Retirement Income, Retirement Distributions

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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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Shelley Giordano, Chair of the Funding Longevity Task Force

Shelley Giordano, Chair of the Funding Longevity Task Force

Shelley Giordano, Chair of the Funding Longevity Task Force

Shelly Giordano founded the Funding Longevity Task Force and serves as Chair. This team of researchers, gerontologists, financial planning practitioners, and lenders is devoted to helping Boomers understand how powerful their housing wealth could in planning for a more secure retirement.

Passion/Expertise:
Shelley has been a pioneer in reverse mortgage lending, having begun her career almost two decades ago. After years at home raising her children, she fell into the unlikely world of reverse mortgages. A local lawyer had established his own company, and having seen how adept she was at raising money for charities, thought she would be good with elderly people. From her very first client she was hooked. She, like other originators, witnessed palpable relief at reverse mortgage closings because the clients were able to improve their retirements without having to give up home.

Shelley lives in Washington, DC and advocates there for financial literacy with Women in Housing and Finance. She mentors and coaches elite loan officers throughout the country who have participated in her comprehensive training program, and who have committed to strict ethical standards.

Position/Experience:
As Chair of the Funding Longevity Task Force, Shelley works to further its mission to bring quantitative analysis to the role housing wealth can play in retirement, specifically “to develop and advance, for Boomers and their financial advisors, a rational and objective understanding of the role that housing wealth can play in prudent planning for retirement income.”

In addition to her duties as Chair of the Funding Longevity Task Force, Shelly leads the Home Equity Retirement Specialist program at Security 1 Lending and has developed a series of calculators to help planners assess housing suitability in retirement. In her career at Wells Fargo and MetLife, Shelley assumed many roles in sales and sales management but has been most steadfast in her commitment to education and ethical lending. She has pursued a long-standing interest in how to integrate housing wealth into the context of a holistic financial plan. In a 15 year career in HECM lending, Shelley has participated as a panelist in the White House Conference on Aging, and served as a speaker for the ABA, NAHB, CNN financial, and numerous other financial groups.


Housing Wealth: A Retirement Asset for the Middle Market - Shelley Giordano - Retirement InSight and Trends article Read a summary transcript of Shelley Giordano’s
presentation
Housing Wealth: A Retirement Asset for the Middle Market in the 3rd Qtr 2016 issue of
Retirement Insight and Trends.


Education:
Shelley earned a B.A. from the College of William and Mary and an M.A. from Old Dominion University.

Publications/Engagements:
Shelley has spoken on reverse mortgage lending at retirement income planning conferences, and for organizations such as NRLMLA, ABA and NAHB. She speaks frequently on the radio and appeared live on CNNfinancial. She has been a regular participant at industry events and specializes in bringing together reverse mortgage lenders with other financial services experts.

Shelley Giordano writes regularly for the industry and participates as a subject matter panelist for housing wealth in retirement. She is the author of the book “What’s the Deal with Reverse Mortgages?”, and co-author of “What You Don’t Know About Retirement Income Can Hurt You”.

Articles:

  • An Asset Hiding in Plain Sight – Introducing the NEW reverse mortgage, Advisor Today, February 2016
  • Connecting with Financial Planners, Reverse Review, August 2012
    “With the advent of the HECM Saver, we now have a program that appeals to financial advisors. Lower cost, a non-cancellable line of credit, a line of credit that grows independent of home values, and no pre-payment penalty are all attributes financial advisors will appreciate.
    Never before has our industry had evidence that the HECM program could play such an important role in mainstream financial planning. But does this mean that we have to become financial planning experts in order to engage financial professionals? Not really. We are the experts in how to unleash home equity safely in retirement years and we don’t need to pose as experts beyond this.
    These new studies prove that we do have a powerful message to deliver to financial planners. It might even be argued that we have an obligation to get the conversation started on how home equity can be deployed to buffer the risk of depleting assets when they are undervalued, especially early in retirement.
    Remember, when portfolios cycle up and down, there is no real loss until the assets are actually sold. Home equity can stand in for withdrawals from retirement accounts during cycles in which assets are undervalued. Retirees everywhere may be given the option to weave home equity into their distribution of assets to ensure a greater chance of cash flow survival.”


Have Shelley Giordano speak at your event!

Shelley Giordano 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 Shelley Giordano 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 Shelley Giordano at the Retirement Resource Center.

Posted in: Lifetime Income, PROTECT from Retirement Risks, PROVIDE Retirement Income, Retirement Distributions

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