Continuing Education Series

Earn CFP® CE credits throughout the year while gaining valuable information on relevant topics from industry experts

XY Planning Network is pleased to offer advisors a convenient and relevant way to meet CE requirements. Each XYPN-exclusive webinar focuses on a specific financial planning topic and each session helps solve a specific need for your clients.  

How to get in on the action:


2019 CE Series

CFP® Board Code of Ethics CE Program (2 hours)

with Jeff Rattiner

CFP® Board has made major changes to its Code of Ethics. The fiduciary standard which requires CFP® professionals to act in the best interest of the client when providing financial advice has been expanded as well as changes to other areas including disclosure.

Join Jeff Rattiner, CPA, CFP®, of the Rattiner’s Financial Planning Fast Track®  as he navigates you with his revised continuing education program on how you guide your clients with Financial Planning Ethical Success.  

This 2-hour program satisfies the CFP® Board Code of Ethics CE requirement.


Live sessions (offered twice):

  • January 9, 2019 at 1 PM EST/10 AM PST
  • May 14, 2019 at 1 PM EST/10 AM PST
  • Due to compliance considerations, the recordings will not be available for self-study in XYPN Academy

 

College Planning and Student Loans

with Christopher Tuttle

This webinar, presented by CFP instructor Christopher Tuttle covers:

  • Federal Student Aid — FAFSA applications and Expected Family Contributions (EFC)
  • Tax aspects of college planning
  • 529 Plans (Pre-Paid Tuition Plans and Traditional State Sponsored Plans) — Income tax and gift tax implications — favorable modifications under new tax law (TGA17).
  • Custodial Accounts (UGMA, UTMA) and Juvenile Trusts
  • Federal Grants and Loans
  • PLUS (Parental Loan to Undergraduate Students) Loans
  • Student loans
  • AOTC (American Opportunity Tax Credit) and Family Learning Credit
Live session: January 17, 2019 at 1 PM EST/10 AM PST; recording available via XYPN Academy after the event

 

Harsh Financial Truths About Divorce

with Sara Stanich

Certified Financial Planner practitioner and Certified Divorce Financial Analyst Sara Stanich will share the harsh financial truths that your clients may not be expecting about divorce. From budgets to taxes to real estate and retirement, Sara will share her lessons learned over 8 years of working with clients going through the divorce process.

Live session: February 21, 2019 at 1 PM EST/10 AM PST; recording available via XYPN Academy after the event


 

The Changing Uncertainty of Investment Planning: What We Can do in Helping Our Clients Manage Expectations and Understand the Intricacies of Building Wealth

with Jeff Rattiner, CPA

There has been a lot of change in the way advisors approach investment planning. The understanding of your clients' financial goals and objectives, compounded with the ever changing investment markets and outside influences found today, can cause our clients to react – and not necessarily in a good way. 

Join Jeff Rattiner, CPA, CFP® of the Rattiner’s Financial Planning Fast Track® as he covers ways to size up where your clients are today and where they need to be in the future. This can help form and solidify an appropriate investment strategy based on analyzing risk and return, understanding the importance of asset allocation, selecting appropriate asset classes, considering tax consequences, and by using important evaluation and measurement criteria and other worthwhile strategies to sync with the client's objectives.

Topics covered include:

  • Tax aspects of investing (Capital Gains, Ordinary Income, Medicare Surcharge)
  • Investment vehicles — '40 Act Mutual Funds (Indexed vs. Active Management), ETFs, GICs, Stocks, Bonds, REITs, Hedge Funds, Private Equity/Debt
  • Asset classes — Equity, Fixed Income, Alternatives, Commodities
  • Investment terms — Alpha, Beta, Standard Deviation, Rho, Rho Squared, Sharpe Ratio
  • Insurance products — Annuities and Life Insurance — as investment vehicles
  • Personal investment platforms (brokerage accounts, IRAs) versus company sponsored plans (401k, Profit Sharing, Pension Plans, 457 Deferred Comp)
  • Active versus Passive Management
  • Robo Advisors, Broker-Dealers, Registered Investment Advisors

Live session: April 18, 2019 at 1 PM EST/10 AM PST; recording available via XYPN Academy after the event


 

Tax Planning for Retirement

with Nancy Freeman

In this webinar, we’ll talk about tax strategies for putting money into multiple savings buckets in order to build flexibility for taking money out later in life.

Also discussed will be how to “fill the bracket” as an opportunity to pay tax now, in order to save more tax later. The webinar will include a discussion of current tax brackets and capital gain rates and how they impact tax and retirement planning.

Live session: May 23, 2019 at 1 PM EST/10 AM PST; recording available via XYPN Academy after the event


 

Insurance Considerations for Businesses

with Nancy Freeman

This webinar will discuss insurance considerations for small businesses including, but not limited to, topics of General Liability, Professional Liability, and Business Continuation insurance. Discussion will also include home-based business insurance as well as additional insurance considerations for shared economy (gig) businesses.

Live session: June 20, 2019 at 1 PM EST/10 AM PST; recording available via XYPN Academy after the event


 

Budgeting, Cash Flow, & Debt Management

with Jeff Rattiner

Creating a detailed budget is key to helping clients manage their finances. Although four out of five Americans use a budget to plan their spending, 20 percent of them keep only a mental budget. Assisting your clients with putting their budget on paper or in a basic spreadsheet is an essential first step if you want to help the client have a healthy financial future.

Join Jeff Rattiner, CPA, CFP®, of the Rattiner’s Financial Planning Fast Track, Inc. as he provides you with an understanding of how to devise, follow and monitor the clients budget and cash flow, and how cdebt management can help clients regain focus in order to achieve their financial planning objectives. 

Live session: July 18, 2019 at 1 PM EST/10 AM PST; recording available via XYPN Academy after the event


 

Social Security

with Christopher Tuttle

This webinar, presented by CFP® instructor Christopher Tuttle, covers:

  • FICA — Social Security (OASDI — Old Age, Survivorship, Disability — trust funds) + Medicare A
  • Calculation of PIA and Retirement/ Disability/ Survivorship benefits for participants, spouse, dependent parents and children
  • Qualifying as Fully Insured and Partially Insured
  • Earned Income Credits (40 for Fully Insured)
  • Taxation of Social Security contributions and distributions
  • SS Retirement Strategies and Current Guidelines 

Live session: August 22, 2019 at 1 PM EST/10 AM PST; recording available via XYPN Academy after the event


 

Distribution Strategies

with Christopher Tuttle

This webinar, presented by CFP® instructor Christopher Tuttle covers:

  • Retirement distribution strategies (Qualified and Non-Qualified investment accounts)
  • Sequencing of retirement distributions
  • Roth IRA and Roth 401(K) distributions
  • Annuity distributions - SPIA (Exclusion Ratio method of taxation) vs. UFO Deferred Annuity
  • Taxation
  • Profit Sharing Plan versus Pension Plan distributions 

Live session: September 19, 2019 at 1 PM EST/10 AM PST; recording available via XYPN Academy after the event


 

Insurance For Millennials 

with Nancy Freeman

This webinar will discuss some basic concepts of life, auto and home/renter's insurance targeted toward individuals in their 20's - 40's. Additionally, we will talk about when individuals may want to consider purchasing a personal umbrella policy. Individual, employer, and social security disability will also be discussed.

Live session: October 24, 2019 at 1 PM EST/10 AM PST; recording available via XYPN Academy after the event


 

2019 Year-End Tax Planning

with Jeff Rattiner

There is still time to help your clients prepare to lower their 2019 income tax liability! Many strategies exist in today’s environment, some common and some unique, all of which can help your clients reduce 2019 income and get out of the gate running for 2020 and beyond.

This interactive session is for the intermediate-advanced advisor who wants to identify critical tax exposures and assist with practical tax reduction solutions when dealing with these unique client challenges.

Live session: November 14, 2019 at 1 PM EST/10 AM PST; recording available via XYPN Academy after the event


 

Year-End Tax Planning

with Jeff Rattiner 

There is still time to help your clients prepare to lower their 2018 income tax liability! Many strategies exist in today’s environment, some common and some unique, all of which can help your clients reduce 2018 income and get out of the gate running for 2019 and beyond.

This session is for the intermediate/advanced advisor who wants to identify critical tax exposures and assist with practical tax reduction solutions when dealing with these unique client challenges.

 On demand via XYPN Academy


 

Advanced Estate Planning for Mid-Level and High-Level Estates 

with Jeff Rattiner

Estate planning has undertaken a new vantage point since the Tax Cuts and Jobs Act (TCJA). Strategies have been formulated to incorporate these new thought processes, suggest changes, re-evaluate existing prospects, and undertake new opportunities.

For many years, the emphasis for many clients focused on state and federal income tax avoidance, basis issues, and state death tax minimization. For others, it is about clients trying to make the right decisions about their own mortality, the consequences of their passing, and how to leave a positive legacy for their heirs. Striking a balance between these philosophies will help you in planning your clients overall estate planning needs.

Join Jeff Rattiner, CPA, CFP®, of the Rattiner’s Financial Planning Fast Track, Inc., as he provides you with an update of potential opportunities when working with clients who have mid and high-level estates. Jeff will point the tips and traps surrounding many of these most relevant estate planning issues and other relevant factors facing your clients today.

 On demand via XYPN Academy