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Agenda

Tuesday, October 18, 2016

8:00 AM ­ 9:00 AM CHECK IN/VISIT WITH PARTNERS/NETWORKING

9:00 AM ­ 9:15 AM WELCOME AND ANNOUNCEMENTS

Tom Rabaut

Tom Rabaut, CFP®FPA of Michigan 2016 President

General Session

9:15 AM ­ 10:15 AM KEYNOTE: THE 'NEVER BE AVERAGE' GAME PLAN

Tim McCormick

Speaker: Tim McCormickTim McCormick’s motivational and highly entertaining programteaches the winning secrets of elite athletes. Share Tim’s thrilling tenyear journey throughout the NBA as a professional basketball player.Attendees will laugh and be inspired as he shares the lessons learnedfrom teaming up with superstars like Dr. J and Charles Barkley.

Tim provides insight into the bigger, stronger and faster mentality ofprofessional athletes like Michael Jordan and the humorouschallenges of being schooled as a rookie by legends like KareemAbdul­Jabaar.

The letters NBA represent a standard of excellence in professionalsports. They also stand for Never Be Average, which is a specialmindset that focuses on the same strategies and principles needed tocompete, perform and dominate in professional sports and thebusiness world. Tim’s Never Be Average message will provide theinspiration for personal and professional growth in business and awinning game plan for elite performance.

Tim McCormick

10:15 AM ­ 11:15 AM SHOWTIME

Suzette Rothberg

Speaker: Suzette Rothberg, CFP®Suzette Rothberg ConsultingPreparing for the spotlight: When it's time to tell your story toprospective clients. Welcome to Invesco consulting’s “Showtime”presentation. When it comes to presenting to new clients, mostadvisors have compelling stories to tell, but putting those stories intothe right words and a compelling structure can be challenging.

Our goal is that you will walk away from today’s presentation with aframework of how to tell your story better. The presentation is basedon the extensive research by Invesco Consulting.

Suzette Rothberg, CFP®

11:15 AM ­ 11:40 AM NETWORKING BREAK/VISIT WITH PARTNERS

FPA of Michigan 2016 Annual Fall Symposium

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Breakout Session 1

11:40 AM ­ 12:30 PM ADVANCED STUDENT DEBT MANAGEMENT: A CHECKLIST APPROACH TO ADVISINGYOUNG PROFESSIONALS

Heather Jarvis

Speaker: Heather Jarvis, JDStudent Loan ExpertDoctors, lawyers, veterinarians, and other professionals nearly alwaysfinance their educations with student loans, and many owe hundredsof thousands of dollars before beginning their careers. You alreadyknow the basics. Now learn how to develop personalized student debtmanagement plans for your clients with high student loan balances. Attorney and nationally recognized student loan expert shares herunique checklist approach to advising young professionals includingevaluating consolidation, refinancing, repayment plan selection,forgiveness, and tax considerations.

Approved CE: 1 CFP, 1 Mi Ins (Life), IMCA has accepted this programfor 1 hour of CE credit towards the CIMA, CIMC and CPWA certification

Heather Jarvis, JD

11:40 AM ­ 12:30 PM MANAGING RISK IN TIMES OF VOLATILITY & RISING INTEREST RATES(CONVERTIBLE BONDS)

Michael Miller

Speaker: Michael MillerWellesley Investment Advisors, Inc.The presentation covers using convertible bonds to help mitigate andmanage risk and volatility. It covers the basics of the asset class andthen covers the benefits in equity volatility as well as rising interestrates.

Approved CE: 1 CFP, 1 MI Ins (Life), IMCA has accepted this programfor 1 hour of CE credit towards the CIMA, CIMC and CPWA certification

Michael Miller

12:30 PM ­ 1:30 PM LUNCH, ANNUAL MEETING AND NETWORKING WITH PARTNERS

Breakout Session 2

1:30 PM ­ 2:20 PM A FRESH LOOK AT THE DEPARTMENT OF LABOR'S FIDUCIARY RULE

Michael Marsalese

Speaker: Michael Marsalese, JDThe Marsalese Law Group, PLLCThis presentation aims to increase awareness and understandingabout basic fiduciary responsibilities and will address actions takenby investment professionals, which cause them to be deemed afiduciary under the DOL Rule and the consequences of beingdeemed a fiduciary. This presentation will also explore the scopeand requirements of the Best Interests Contract exemption (“BICE”);the scope and requirements of the Principal Exemption; provide BestPractices; and the implications for future compliance.

Approved CE: 1 CFP, 1 MI Ins (Life), IMCA has accepted thisprogram for 1 hour of CE credit towards the CIMA, CIMC and CPWAcertification

Michael Marsalese, JD

1:30 PM ­ 2:20 PM THE VALUE OF HAVING AN INVESTMENT PROCESS

Speaker: Christopher KostizPresident, Senior Portfolio ManagerAdvance Capital ManagementThis program will identify how to create and implement a good

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Christopher Kostiz

investment process for your clients. The presentation will detail specificgoals, policies and tools necessary for the process to succeed and besustainable. The program will identify examples of a good investmentprocess and how it can improve client returns.

Approved CE: 1 CFP, 1 MI Ins (Life), IMCA has accepted this programfor 1 hour of CE credit towards the CIMA, CIMC and CPWA certification

Christopher Kostiz

Breakout Session 3

2:30 PM ­ 3:20 PM IS IT REALLY DIFFERENT THIS 'TIME'?

Robert Wolanski

Speaker: Robert Wolanski, CIMA®Head of Retail SalesSentinel Financial Services CompanyThis program uses covers from Time Magazine to demonstrate thatalthough the dates may change, sometimes the headlines stay thesame. Today’s headlines, global events, domestic politicaldevelopments, a shifting economy and volatile markets can ultimatelyobscure time­tested straightforward truths that are the bedrock of anysound long­term investment strategy.

Approved CE: 1 CFP, IMCA has accepted this program for 1 hour of CEcredit towards the CIMA, CIMC and CPWA certification

Robert Wolanski, CIMA®

2:30 PM ­ 3:20 PM MONEY LAUNDERING AND YOU: HOW FinCENs PROPOSED AML REGULATIONS WILLAFFECT INVESTMENT ADVISERS

Henry Matson

Speaker: Henry MatsonSupervisory Special AgentInternal Revenue ServiceThis is an overview of Money Laundering theory, Federal Law, and thedetails and impact of the proposed Financial Crimes EnforcementNetwork (FinCEN) Anti­Money Laundering (AML) Programs forInvestment Advisors.

Approved CE: 1 CFP, 1 MI Ins (Life), IMCA has accepted this programfor 1 hour of CE credit towards the CIMA, CIMC and CPWA certification

Henry Matson, Jr.

3:20 PM ­ 3:50 PM NETWORKING BREAK/VISIT WITH PARTNERS

General Session

3:50 PM ­ 4:50 PM EDUCATION DEBT ­ WILL STUDENT LOANS BE THE NEXT BUBBLE TO BURST?

Heather Jarvis

Speaker: Heather Jarvis, JDStudent Loan ExpertStudent debt levels rose more than twice as fast as inflation over thepast decade. Seven in 10 undergrads borrow student loans, andgraduate and professional students routinely borrow mortgage­sizedamounts. Join attorney and nationally recognized student loan expertHeather Jarvis for a fast­paced and content­rich keynote presentation.Get the key facts about interest rates, forgiveness provisions, theprivate refinancing market, and legislative proposals for change. Bringyour toughest questions because the expert is in the house!

Approved CE: 1 CFP, 1 MI Ins (Life), IMCA has accepted this programfor 1 hour of CE credit towards the CIMA, CIMC and CPWA certification

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Heather Jarvis, JD

4:50 PM ­ 5:50 PM ECONOMIC UPDATE

Libby Cantrill

Speaker: Libby Cantrill, CFAPIMCOIn this presentation, Libby will discuss the political environment and theimpact on the markets.

Approved CE: 1 CFP, IMCA has accepted this program for 1 hour ofCE credit towards the CIMA, CIMC and CPWA certification

Libby Cantrill, CFA

6:00 PM ­ 7:30 PM COCKTAILS/DINNER/ENTERTAINMENT

Wednesday, October 19, 2016

7:30 AM ­ 8:00 AM BREAKFAST­ON­THE­GO/NETWORKING WITH PARTNERS

General Session

8:00 AM ­ 9:00 AM CUTTING EDGE TAX PLANNING DEVELOPMENTS & OPPORTUNITIES

Michael Kitces

Speaker: Michael Kitces, MSFS, MTAX, CFP®, CLU, ChFC,RHU, REBC, CASLPinnacle Advisory Group2013 marked the dawn of a new environment for income and estatetax planning – for the first time in more than a decade, there were nomore scheduled fiscal cliffs and no more sunset provisions, andinstead the outcome of the American Taxpayer Relief Act was‘permanent’ tax legislation. Of course, permanent only remains sountil another Act of Congress changes it, but nonetheless the new taxenvironment, with its new top tax brackets for income taxes, long­term capital gains, and qualified dividends, along with the newMedicare taxes, have created new planning complexities. In thissession, we look at the planning opportunities in today’senvironment, from Roth conversions and capital gains harvesting toasset location and AMT planning, and how to strategize on incomeplanning issues going forward.

Approved CE: 1 CFP, 1 MI Ins (Life), IMCA has accepted thisprogram for 1 hour of CE credit towards the CIMA, CIMC and CPWAcertification

Michael Kitces, MSFS, MTAX, CFP®, CLU, ChFC, RHU, REBC

9:00 AM ­ 10:00 AM HOW TO PREPARE FOR AN RIA REGULATORY AUDIT

Chad Hartwick

Speaker: Chad HartwickDirector of Compliance for RIA in a BoxThis presentation, led by a former regulator, will help both state andSEC­registered RIA firms better prepare for and understand theinvestment adviser audit process. Topics that will be covered includehow to establish an effective compliance program that can bedemonstrated during an exam, the key components of an exam, andthe possible outcomes of such an exam.

Approved: 1 CFP, 1 MI Ins (Life), IMCA has accepted this program for 1hour of CE credit towards the CIMA, CIMC and CPWA certification

Chad Hartwick

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10:00 AM ­ 10:30 AM NETWORKING BREAK/VISIT WITH PARTNERS

Breakout Session 4

10:30 AM ­ 11:20 AM BASICS FOR RETIREMENT PLAN DESIGN

Dale Essenmacher

Speaker: Dale EssenmacherVP Sales for Newport GroupThis presentation should be attended by advisors who are looking togrow their advisory practice in the retirement plan market. We willdiscuss who to look at within your current private wealth book ofbusiness to increase your revenue on those same clients. Thissession will educate you, the advisor, on the importance of plandesign and how it can impact 401k participant balances as well asgive you a true differentiator when approaching the retirement planmarket.

Approved CE: 1 CFP, 1 MI Ins (Life), IMCA has accepted thisprogram for 1 hour of CE credit towards the CIMA, CIMC and CPWAcertification

Dale Essenmacher

10:30 AM ­ 11:20 AM TOP TEN TIPS FROM ELDER LAW ATTORNEYS

Sara Rubino

Sara Schimke

Speakers: Sara Rubino, JD and Sara Schimke, JDJaff Raitt Heuer & Weiss“Top Ten Tips from Elder Law Attorneys” explains the role of an elderlaw attorney and answers the ten questions most frequently asked ofthem. The program is presented by two elder law attorneys, a plannerand a litigator, to focus on the pros of planning and the pitfalls ofprocrastinating. Approved: 1 CFP, IMCA has accepted this program for 1 hour of CEcredit towards the CIMA, CIMC and CPWA certification

Sara Rubino, JD, Sara Schimke, JD

Breakout Session 5

11:30 AM ­ 12:20 PM GOOD AS GOLD

George Milling­Stanley

Speaker: George Milling­StanleyVice President, Intermediary Business GroupState Street Global AdvisorsSince the turn of the century gold has rewarded tactical investors, butgold also has a long history as a strategic asset that can help toimprove risk­adjusted returns in a properly balanced portfolio.

Approved CE: 1 CFP, IMCA has accepted this program for 1 hour ofCE credit towards the CIMA, CIMC and CPWA certification

George Milling­Stanley

11:30 AM ­ 12:20 PM INNOVATIONS AND OPPORTUNITIES WITH SMART BETA ETFs

Abby Woodham

Speaker: Abby WoodhamDeutsche Asset ManagementSmart Beta funds have been a significant engine of growth for the ETFIndustry, already attracting nearly $400 Bn. In this session we willprovide an in depth look at the evolution of smart beta solutions andhighlight key investment trends in the space. We will also share a duediligence framework for selecting among the large and growinguniverse of smart beta solutions and provide examples of howinvestors are utilizing these new and innovative tools.

Approved CE: 1 CFP, 1 MI Ins (Life), IMCA has accepted this program

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for 1 hour of CE credit towards the CIMA, CIMC and CPWA certification

Abby Woodham

12:20 PM ­ 1:10 PM LUNCH/NETWORKING WITH PARTNERS

Breakout Session 6

1:10 PM ­ 2:00 PM BASIC OPTION STRATEGIES FOR FINANCIAL ADVISORS

Kevin Davitt

Speaker: Kevin DavittSenior InstructorCBOE Options InstituteWe will address the essential terminology associated with all optionstrading. The presentation will then cover 3­4 specific optionsstrategies (risks as well as potential benefits) that are often employedby financial advisors on behalf of clients. The Covered Call,ProProtective Put, Equity Collar, and (perhaps) Cash Secured PutSale will be discussed. Finally, Questions and Answers.

Approved CE: 1 CFP, 1 MI Ins (Life), IMCA has accepted ths programfor 1 hour of CE credit towards the CIMA, CIMC and CPWAcertification

Kevin Davitt

1:10 PM ­ 2:00 PM THE FUTURE OF FINANCIAL PLANNING IN THE DIGITAL AGE

Michael Kitces

Speaker: Michael E. Kitces, MSFS, MTAX, CFP®, CLU,ChFC, RHU, REBC, CASLPinnacle Advisory GroupAs financial planning shifts from the founding generation of planners(and their clients) to the next, so too does the world around us, as weenter the digital age. Thus far, however, financial planning has beenslow to effectively adopt the emerging digital age technologies, fromcloud computing to video "phone" calls to internet­driven workflows.In this session, we will explore how financial planning will undergoradical change in the coming decades as we truly enter the digitalage, from financial planning "apps" for various devices, to whattechnology will ­ and won't ­ replace in the financial planningrelationship, to how financial planning practices must market andcommunicate to survive and thrive.

Approved: 1 CFP, 1 MI Ins (Life), IMCA has accepted this program for1 hour of CE credit towards the CIMA, CIMC and CPWA certification

Michael Kitces, MSFS, MTAX, CFP®, CLU, ChFC, RHU, REBC

General Session

2:10 PM ­ 3:00 PM SPENDING PATTERNS IN RETIREMENT

Sharon Carson

Speaker: Sharon Carson, CRPCJ.P. Morgan Asset ManagementIndividuals often do not understand how much they might spend intheir retirement years, although this information is an important part ofan overall retirement plan. The J.P. Morgan Guide to Retirementprovides an effective framework for understanding the dimensions ofretirement planning ­ from saving to sending to investing. A few slidesfrom the Guide to Retirement will be used to help advisors dispelsome common myths related to retirement planning. The session willthen transition to a more in­depth view of spending patters inretirement.Approved: 1 CFP, 1 MI Ins (Life), IMCA has accepted this program for1 hour of CE credit towards the CIMA, CIMC and CPWA certification

Sharon Carson, CRPC®

Optional Session

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3:10 PM ­ 4:50 PM Optional Session: PRACTICING ETHICS: APPLYING CFP BOARD'S STANDARDS OFPROFESSIONAL CONDUCT

Sharon Bonnem

Speaker: Sharon Bonnem, CFP®Kaplan FinancialThis presentation will start with a review of the journey of the CFPBoards ethics standards from the 1985 Code of Ethics through thecurrent version of the Standards of Professional Conduct. Theapplication of various rules and practice standards will be consideredthrough a series of short case study scenarios that will be presentedfor discussion. The presentation will conclude with a review of theCFP Board’s Disciplinary Rules and Procedures.

Note: There is an additional fee for attending the Optional Ethicspresentation. Please click here for pricing.

Approved CE: 2 CF Ethics

Sharon Bonnem, CFP®