Why Time Matters In Equity Portfolios
Stephen J. Huxley & Brent Burns, Asset Dedication
Room: Minneapolis A
CE Credits: 1 CFP CE Credit - Investment Planning; 1 NAPFA CE Credit - Investments; 1 NASBA CPE Credit - Specialized Knowledge
Large cap, small cap, value, growth, international, emerging markets. Different equity asset classes behave differently at different time horizons. Bonds have a known maturity that makes timing them to goals in the financial plan clear. While stocks do not have a specific maturity date, the various equity asset classes do have characteristics that can make them more appropriate for certain time horizons than others.
A cardinal rule of investing is to never invest without a goal, and time is an inherent component of any “SMART” goals. In this presentation we will explore how you can use time to help align the equity investments in clients’ portfolios with the goals in their financial plans.
Leveraging Housing Wealth for Enriched Retirement Plans
Jerry Auippa, Longbridge Financial
Room: Symphony I,II
CE Credits: 1 CFP CE Credit - Retirement Savings and Income Planning; 1 NAPFA CE Credit - Retirement Planning and Employee Benefits; 1 NASBA CPE Credit - Specialized Knowledge
Elderly homeowners own more than $10 trillion in home equity, and many are struggling with a financial plan that fully funds their lifetime expenses. Yet financial advisors often overlook this hidden wealth. Why? In this one-hour presentation, we take a deep dive into the FHA Home Equity Conversion Mortgage (HECM) and new, attractive, and low-cost proprietary products to understand how it can improve the retirement plans of clients, protect against longevity risk, be optimized to fit with client goals, and do so in an ethical and compliant manner. Home equity is one of the largest sources of assets for clients, and reverse mortgages can unlock this hidden wealth in a safe and standardized manner. With new, best interest and compliance standards for financial advisors, the value of considering home equity in the planning process is growing.
Implementing Cybersecurity Policies and Tools
Arash Shokouh, Ophtek LLC
Room: Minneapolis B/C
CE Credits: 1 CFP CE Credit - General Principles of Financial Planning; 1 NAPFA CE Credit - Technology; 1 NASBA CPE Credit - Information Technology
During this breakout session participants will review the steps discussed in the cybersecurity presentations on implementing a cybersecurity policy. We will practice identifying what business systems need to have security tools in place and what tools are available for those systems.
Working with Cognitive Bias: Communication Strategies that Build Client Trust
Dan Smaida, AdvisoryEDGE™
Room: Symphony III
Track: Practice Management
CE Credits: 1 CFP CE Credit - General Principles of Financial Planning; 1 NAPFA CE Credit - Communications
Cognitive biases present major challenges for financial planners. While we may be communicating clearly, client understanding is often limited by multiple “filters” that cloud judgment. How do we help clients through assumptive traps, create insight, and help them trust new ideas?
This session shares how top financial professionals use modern meeting strategies to work with Conformation Bias, not against it. You’ll learn a thoughtful, science-based approach that helps you authentically influence belief, enhance understanding, and build trust in your next client meeting.