Search Result for:
Intermediate
Browse:
Subject Area
Content Level
CE Type
Interest Area
Product Type
88 Results
Filter
Group By
21:35
Fiduciary Standards, and Niche Expertise
Audio
Summary (AI Generated)
In this episode of Napa Nation, host Marie Swepp interviews Natalie Pine, CFP and managing partner at Brio Financial Advisors, about her journey in fee-only financial planning and leadership within NAPFA (National Association of Personal Financial Advisors). Natalie shares how she joined the organization in 2011, inspired by its strong fiduciary and client-first values, influenced by her mother who founded their firm in 1986. She emphasizes NAPFA’s welcoming community, continuous education, and commitment to high ethical standards in the profession. Natalie discusses her firm’s focus on niche clients including university professionals, women business owners, and families with special needs—drawing on her expertise as a Chartered Special Needs Consultant. She highlights the benefits of NAPFA membership for networking, professional growth, and supporting diverse advisors. Looking ahead, Natalie is optimistic about NAPFA’s strategic future and encourages members to actively engage to help shape the organization’s impact on fee-only financial planning. [Read More]
58:50
Course recording
Video
Summary (AI Generated)
The webinar, sponsored by LLIS for NAPFA Genesis, focused on long-term care insurance and hybrid solutions. Presenter Taylor explained why LTC planning matters, using national care-cost data to show how expensive home health care, assisted living, and nursing homes can be depending on location. She outlined practical guidelines for coverage design, including choosing monthly benefits based on local care costs, selecting benefit periods tied to average claim lengths, and adding inflation protection, typically 3%.

Taylor also discussed LTC underwriting, emphasizing that approval is often binary and becomes harder with age, medical history, recent physical therapy, neuropathy, medications, and family history of cognitive decline. She compared reimbursement and indemnity benefit structures, elimination periods, and benefit triggers such as inability to perform two activities of daily living or cognitive impairment.

A major portion of the session compared traditional LTC insurance with hybrid options. She explained death-benefit-priority life hybrids, LTC-priority life hybrids, joint policies, and hybrid annuities, highlighting guarantees, funding flexibility, 1035 exchanges, and tax-free death benefits. She also reviewed partnership qualification, noting that only traditional LTC policies generally qualify.

The session ended with Q&A on CCRC fees, overseas coverage, underwriting stringency, and how to spot a weak policy. [Read More]
Slide handout
PDF
Summary (AI Generated)
This presentation explains long-term care insurance (LTCi) and hybrid alternatives, focusing on why coverage matters, how policies work, and when different designs fit client needs.

Key points:
- LTC costs vary widely by location and type of care, with nursing homes often the most expensive. Home health care can be covered at or near 100%, while nursing home coverage may only replace about 60% under typical planning assumptions.
- The best time to buy LTCi is younger, since premiums are lower and underwriting is more favorable. Women generally pay more, and underwriting considers age, medical history, family history, and recent health issues.
- Decline rates rise sharply with age, and common underwriting obstacles include recent physical therapy, pending tests, medication changes, neuropathy, pain injections, and major co-morbidities.
- Traditional LTCi policies offer reimbursement or indemnity benefits, daily/monthly benefits, elimination periods, benefit periods, inflation protection, and triggers based on inability to perform two ADLs or cognitive impairment.
- Case studies show how policy design affects premium, coverage, and benefit protection for couples such as Jake and Katie.
- Hybrid solutions include hybrid life insurance and hybrid annuities. Hybrid life policies combine death benefit and LTC benefit with guaranteed premiums and flexible funding options (single pay, short pay, lifetime in some cases).
- Riders can be structured as LTC riders under Section 7702B or chronic illness riders under Section 101(g), with differences in tax treatment and how claims are represented.
- Hybrid annuities are fixed deferred annuities with LTC riders, usually single premium, with limited underwriting and LTC pools that can extend benefit periods.
- A comparison chart highlights differences across traditional LTCi, hybrid life, and hybrid annuity regarding death benefit, premium structure, underwriting, and partnership qualification.
- Hybrids tend to fit younger high-income clients, those with cash value or annuities for 1035 exchanges, clients seeking guarantees, and those with significant medical history. [Read More]
59:14
Course recording
Video
Summary (AI Generated)
Aaron Freeman opens a NAPFA Genesis webinar sponsored by LLIS and introduces CFP Nate Hoskin, owner of Hoskin Capital and CEO of N2 Content Marketing. Hoskin explains how he launched an RIA in 2020 and, unable to use traditional prospecting, grew rapidly using TikTok and other platforms, reaching about 250,000 followers and onboarding clients through a “digital growth funnel.”

He outlines four funnel stages: (1) an unlisted landing/links page that clearly states who the firm serves, the outcome it delivers, and prioritized calls-to-action (book a call first, lead magnet second); (2) a lead magnet (e.g., a short email course) that solves one “micro problem,” feels paid-worthy, is hard to copy, and is automated—helpful but not required to start; (3) an email nurture sequence that delivers value, then timely sales emails, and ongoing nurturing (often more frequent than advisors expect); and (4) a properly designed booking link with clear meeting expectations, minimal friction, and a form that captures useful “messy middle” attribution data.

Hoskin recommends tools like Lovable/Webflow/Linktree, Kit/MailerLite/ActiveCampaign, and Calendly. He emphasizes video as the primary top-of-funnel driver and advises batching content production. Q&A covers team approaches, conversion rates, podcasts, communities, topic selection via proven trends, and voice-care tactics. [Read More]
Slide handout
PDF
Summary (AI Generated)
The document explains a “digital funnel” framework for financial advisors to grow quickly online by turning attention into interest, and interest into intent. It opens with a January case study: 611 landing-page visitors led to 109 email subscribers, 4 booked meetings, and 2 new client families—illustrating how small conversion rates can still produce business results.

The funnel has four main steps: (1) direct traffic to a dedicated landing page, (2) capture contact information via a lead magnet, (3) make it easy to schedule a call with a booking link, and (4) nurture leads over time through email to build trust and prompt action.

Key implementation details are provided for each stage. The landing page should clearly state who the advisor helps, include other resources, avoid site navigation, and can be presented in either a video sales letter (VSL) or links-based format with a headline, supporting copy, and a call-to-action to book a call or download the lead magnet. The lead magnet should solve one “micro-problem,” be valuable enough to sell, require no ongoing work, and be hard to reproduce; formats can include email/video courses, templates, checklists, communities, or webinars. Email nurture should begin immediately, run at least three months, and deliver original value (not generic, AI-style content), cycling through pain, success, and objection themes. The booking link should include a description, an in-depth form, minimal friction, and ask how the prospect found you.

The document challenges the belief that ideal clients aren’t on social media (“Ferrari fallacy” and “advisor assumption”), citing data that video dominates internet traffic and that billions use social platforms. It concludes with recommended tech stack categories and an emphasis on “filling the funnel” with consistent content. [Read More]
01:03:25
Course recording
Video
Summary (AI Generated)
Derb Price Galt of Juneau presents an end-to-end overview of student loans, focusing on how advisors and borrowers can choose between federal repayment options, PSLF, and private refinancing amid major policy changes. He reviews the size of the market ($1.83T; ~92% federal) and walks through the borrowing timeline: FAFSA submission, aid packages, appeals, and funding gaps. Key upcoming borrowing shifts include new caps on Parent PLUS loans ($20k/year; $65k lifetime per student) and limits on Grad PLUS (generally $100k–$200k depending on program), increasing reliance on private student loans to close gaps.

On repayment, he explains federal plans are being streamlined: PAYE, ICR, and SAVE are expected to sunset by 2028, with SAVE currently in litigation and many borrowers in forbearance accruing interest and not progressing toward forgiveness. A new Repayment Assistance Plan (“WRAP”) launches this summer, using 1%–10% of AGI (generally 10% for higher incomes), offering interest subsidies and modest principal reduction, but requiring up to 30 years for forgiveness. Borrowers will generally choose between WRAP and IBR (old/new), with eligibility based on first-borrowed date; consolidations after July 1 may force WRAP-only eligibility.

He details PSLF (120 qualifying payments, tax-free forgiveness) and best practices like annual employer certification via the PSLF Help Tool, plus a potential “buyback” for missed months. Refinancing is framed as ideal for high-income borrowers not using federal benefits; it can lower rates, remove cosigners, and adjust terms, but permanently exits federal protections. Tax filing status (MFJ vs MFS) can materially affect IDR payments and must be weighed against tax costs. [Read More]
Slide handout
PDF
Summary (AI Generated)
This NAPFA presentation by Joseph Price-Gault (Juno) outlines how advisors can build holistic student-loan strategies across federal repayment, PSLF, and private refinancing. It frames the market (about $1.83T outstanding; ~92% federal) and emphasizes early FAFSA completion to maximize limited first-come aid.

Major policy changes begin July 1, 2026: new borrowing limits and a redesigned income-driven landscape. Borrowers who take a new disbursement or consolidate on/after July 1, 2026 will be restricted to the new Repayment Assistance Plan (RAP), while traditional IBR remains only for loans disbursed or consolidated before that date. The session highlights the practical importance of deadlines—especially July 1, 2028, when borrowers on phased-out plans must switch (or be auto-enrolled in IBR).

SAVE, introduced in 2023, is described as effectively nonfunctional: it was paused in summer 2024; time in forbearance doesn’t count toward PSLF/forgiveness; and interest resumed August 1, 2025. Advisors are urged to evaluate switching SAVE borrowers into IBR (old vs. new) or RAP rather than waiting.

PSLF fundamentals are reviewed (120 qualifying payments, qualifying employer, no acceleration, tax-free forgiveness), with best practices: use the PSLF Help Tool, submit employer certification annually, verify eligibility (especially in private practice), and document employment during forbearance for potential buyback.

Refinancing guidance distinguishes private refinancing from federal consolidation and stresses irreversibility: refinancing federal loans permanently forfeits federal protections (IDR/PSLF). A decision framework is provided: refinance private loans for better terms; keep federal loans when benefits matter; refinance only the private portion for mixed portfolios. Case studies illustrate when to refinance (no PSLF benefit, Parent PLUS modeling vs. ICR) versus when to stay federal (PSLF-track borrowers, residents).

Finally, the talk integrates loans into broader planning: cash-flow modeling, MFJ vs. MFS tax analysis, retirement contributions to reduce AGI (and IDR payments), and insurance/estate considerations. Advisors should reassess plans at least annually. [Read More]
1 to 8 of 88