SEMINAR TOPICS
This is a partial list of subjects that has been taught in detail and can
be presented in any format to employees, agents, attorneys, etc. These are
educational offerings. There are NO sales of products or services. O.K, maybe
a little bit about AMWAY.
$3,000 Loss Carryover
When to sell
Annuities
Fixed
Variable
Indexed Annuity
Fees, returns
Tax Ramifications
Payout Options
Actuarial estimates
Arbitration
Hearing Conduct
Attorneys
Mitigation
Awards, including punitive
Issues
Misconceptions
Selective memory
Asset Allocation
Balanced
Income
Sector
Precious Metals
Stocks
Bonds
Real Estate
REIT
International
Emerging funds
Hedge funds
Basis
Step up basis at date of death
Gifts
Basis Points
Beta/Alpha
Bond Laddering
Treasury instruments
Bonds
Municipal
Taxation
Corporate
Movement in Interest Rates
Historical returns
Duration
Ratings
Budget
Current
Retirement
Charitable Gifting
Remainder trusts
Grits/Grats
Churning/Breakpoint Sales/Switching
Client Goals
Why they may be unrealistic/unsuitable
Agent Identification/Who to Use
Closed End Funds/WEBS/Countrybaskets
What are they- how do they work
Compliance
Who defines/monitors
Currency Exchange
Derivatives
Collateralized Mortgage Obligations
Tranches
Extremely complex
Rarely Understood
Designations
CFA
ChFC
CFP
Diversification
Number of securities
Correlation
Dollar Cost Average (Pros and Cons) Variations
Economic Projections
Volcker/Greenspan/Bernanke
Dollar
GDP
Foreign Currency Exchange
Inflation
Ethics
Very little in this industry
Estate Planning Considerations
Step Up in Basis
Estate Tax
Trustees
Beneficiaries
Insurance
Living Trusts
Physicians Directives
Durable Powers of Attorney
Probate
Ethics
Fiduciary Obligation
Financial Planning
Commission
Fee Based
Fee Only
Background/legality
Fund Load and Expenses
Front, back end and 12b-1
Class A, B, C, ad infinitum, shares
Range
Impact on return
Current Law
How to Analyze
Gifts
$11,000 or $3,000,000
GNMA's
NOT recommended for conservative investors
Government Treasury Obligations
High Yield Bond Funds
Historical Benchmarks
Stocks, bonds, mutual funds
Asset allocation
Insurance
Fixed
Term
Whole
Universal
Hybrid
Variable
First to Die
Second to Die
No Lapse
Disability
Homeowners
Liability
Property
Business
IRA's
Deductible and non deductible
Penalties
Distribution complexities
Kiddie Tax
Till child age 14
LIBOR
Long Term Health Care
HMO's
PPO's
Long Term Nursing and Assisted Living Care
ADLs
Home Health Care
Medicare
Social Security
Medicaid
Reverse Mortgages
Monitoring Investments
Time Frame
Liability Exposure
Mutual Funds
Types
Track Record
Manager/historical return
Risks
Net Worth
How much to use for retirement
Present Value/Future Value
Required for investments
Pyramid of Investing
Art
Precious Metals
Options
Partnerships
Real Estate
Mutual Funds
Money Market Accounts
Annuities
Insurance
Stocks/Bonds
Variable Products
Rating Services
Value Line
Morningstar
Lipper
Real Estate
REIT
At risk rule
Depreciation
Recapture
1031/1034 exchanges
$25,000 passive loss rule
Comparative Investment Analysis
GRM/capitalization rates
Partnerships
Second Homes
Buyer's broker
Equity Sharing
Refinancing
Mortgage Complaints
Reverse Mortgages
Title Insurance
ARM's vs. fixed rate
Retirement Plans
401(k)
IRA
SEP
KEOGH
Pensions Plans
Defined Benefit
Defined Contribution
Stock Purchase
Risk
Inflationary
Default
Callable
Psychological
Of Reinvestment
Market
Liquidity
Interest rate
Of loss
Securities Licenses
4, 6, 7, 8, 22, 24, 26, 27, 52, 62, 63, 65
Not much knowledge
Series EE Bonds
Tax Free/College Use
Switch to Series HH
Social Security
Spousal retirement benefits
Widow benefits
Sophisticated Investor
Whose Definition
Very Few fit in this category
Standard Deviation
Volatility
Correlation
Risk of loss INCREASES over time
Absolutely essential to an understanding of investments
Stocks
When they should NOT be used
Historical Returns
Suitability
Income
Age
Experience
Family Status
Education
Job Security/years on job
NASD/NYSE rules
Fiduciary Obligation
Liability for inaccurate information
Prudent Man rule
Tax
AGI/Taxable Income
Effective Tax rate
1031, 1034, 1035 rollovers
Expensing and depreciation
Social security benefits
$25,000 real estate/passive loss
pension/IRA payouts
mortgages & HEL loans
UGMA/UTMA
Negative impact on College loans
Irrevocable Transfer
Unsuitable Investments/sales
Liability
When can they be sold
Variable Annuities
Where do people actually invest
Wash Sale
Yield
Maturity
Coupon/Nominal/Stated
SEC
Total
Current
NOTE: Subjects may altered to fit particular seminar attendees whether employees, attorneys or agents. One half day presentations may be devoted solely to tax planning, risk management and/or estate planning. .
These are NOT sales seminars. They are educational
offerings designed to increase knowledge and competency and reduce/avoid
investment mistakes.