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1)
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Introduction
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2)
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Ethics
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a) Protecting the Consumer
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b) Laws & Regulations
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c) Tolerance for Competition
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3)
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Properly Planning in Today's World
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a) Longer Life Expectancies
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b) Not overlooking Lawsuits and being Sued
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c) Social Security and Asset Protection
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4)
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Estate Planning
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a) Evaluating an Estate
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b) Establishing Goals
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c) The use of Wills and Trusts
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5)
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Gifting, Joint Ownership
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a) Medicaid Look-Back
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b) Gifting Limits & Estate Tax
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c) Cost Basis and Capital Gains
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6)
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Trusts
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a) Revocable vs. Irrevocable Trusts
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b) Avoiding Probate
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c) Who really Needs a Trust
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7)
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Tolerance for Risk
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a) Determining Fixed Monthly Incomes
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b) Changes in Risk over Time
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c) Theory of Asset Diversification
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8)
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LTC - Long Term Care
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a) Different Types and Costs
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b) Changing Levels of Care
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c) Tax Qualified vs. Non-Tax Qualified LTC
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9)
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Protection from an E&O Claim
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a) Forms to Use for LTC, Life Insurance and Annuities
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b) Determining the necessary Levels of coverage
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10)
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Equity Indexed Annuities
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a) Traditional Annuities vs. Indexed Annuities
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b) Qualified vs. Non-Qualified Plans
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c) Explanation of Indexing and Call Options
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11)
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Investing - Wealth Accumulation
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a) Investment Vehicles
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b) Investment Diversity and Liquidity
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c) Tax Deferring and Compound Interest
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12)
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Retirement Income and Sources
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a) Public and Private Pensions
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b) Social Security Income
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c) Budgeting and Managing of Money
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13)
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Medicaid
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a) Medicaid Planning
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b) Rules for Eligibility
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c) Transferring Assets
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14)
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Retirement Planning
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a) Setting Individual Goals
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b) Living Wills and Guardians
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c) Prenuptial Agreements
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15)
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Medicare
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a) Paying for Medicare
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b) Managed Care Plans
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c) Enrollment
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16)
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Insurance
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a) Life and Health Insurance
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b) Accident and Disability Income Insurance
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c) Umbrella Policies
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17)
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Taxes
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a) 1035 Exchanges
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b) Tax Deductions and Deferrals
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c) Retirement Income and Tax Bracket Planning
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18)
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Beneficiary Selection
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a) Multiple Beneficiaries and Stipulations
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b) Contigent Beneficiaries
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c) Corporate and Creditor Beneficiaries
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