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

Correlation

Mandatory, mindnumbing and usually wrong 

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

Generally NOT recommended for conservative investors if there is volatility 

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.