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35th Personal Financial Planning Conference (Rebroadcast)


Your clients trust you with their financial security – make sure you’re advising them with the best information available. The Personal Financial Planning Conference features a full day of instruction on key issues your clients are facing.

Our keynote speaker presenting two sessions is Michael E. Kitces, MSFS, MTAX, CFP®, CLU,ChFC, RHU, REBC, CASL.

More on our speaker, Michael Kitces:

Michael E. Kitces, MSFS, MTAX, CFP®, CLU, ChFC, RHU, REBC, CASL, is the Chief Financial Planning Nerd at, dedicated to advancing knowledge in financial planning and helping to make financial advisors better and more successful, and the Head of Planning Strategy at Buckingham Wealth Partners, an independent RIA with more than $50 billion of assets under management, that provides private wealth management to consumers and turnkey asset management platform services to advisors.

In addition, he is a co-founder of the XY Planning Network, AdvicePay, New Planner Recruiting, fpPathfinder, and FA BeanCounters, the former Practitioner Editor of the Journal of Financial Planning, the host of the Financial Advisor Success podcast, and the publisher of the popular financial planning continuing education blog Nerd’s Eye View.



MACPA Interactive Online Course Badge

Maryland Association of CPAs
Course Level
Professional Area of Focus
Personal Financial Planning
CPE Field of Study
Specialized Knowledge
Keynote Speaker - Michael Kitces
Event Information
Jan 28, 2021
8:30 am - 2:50 pm EDT
Total CPE Credits
Webcast Replay


Day 1

8:30 am
The Pros and Cons of Revocable Living Trust

Speaker: Maurice Offit, Principal, Offit Kurman, P.A.

Gain practical knowledge to engage in meaningful discussion with regard to whether Revocable Living Trusts would be an appropriate estate planning tool.

Session highlights:

  •  Discussion of Revocable Living Trusts
  • Pros of using Revocable Living Trusts
  • When should they be used?
  • What are the advantages of using Revocable Living Trusts?
  • Cons of using Revocable Living Trusts
  • When is it not appropriate to use them?
  • What are the disadvantages of using Revocable Living Trusts?

This session has been pre-approved for 1 CFP Credit.

9:30 am
Strategies for Managing Sequence of Return Risk in Retirement

Speaker: Michael Kitces, MSFS, MTAX, CFP, CLU, ChFC, RHU, REBC, CASL, Chief Financial Planning Nerd at

For long-term investors, the reality is that even if markets are volatile for a period of time, as long as the portfolio stays invested, returns can average out in the long run. In the case of retirees, however, ongoing spending withdrawals introduce the possibility that if the portfolio experiences weak returns early on, it could be depleted entirely before the good returns finally show up. As a result, retirees must consider this “sequence of returns” risk when planning for retirement, and strategies to manage it, from reducing spending in the first place, to engaging in more dynamic asset allocation to reduce risk exposure, or dynamic spending strategies to adapt spending withdrawals to market changes along the way!


This session has been pre-approved for 1 CFP Credit.

10:30 am
Advanced Roth Conversion Planning

Speaker: Michael Kitces, MSFS, MTAX, CFP, CLU, ChFC, RHU, REBC, CASL, Chief Financial Planning Nerd at

The natural appeal of a Roth-style retirement account is the potential for tax-free growth for life. However, the reality is that creating a Roth account has a “cost” – the upfront tax liability of contributing to (or converting into) the account, which is avoided with a traditional pre-tax IRA or 401(k). As a result, optimal Roth strategies involve not merely contributing to or converting into Roths, but managing the timing and leveraging the available tax law to maximize the strategy. In this session, we explore techniques to maximize Roth contributions, including so-called “Backdoor Roth” IRAs and “Mega Backdoor Roth” 401(k) strategies, and leveraging the Roth recharacterization rules to optimally fill lower tax brackets, and be able to ensure that an investment in a Roth has a positive return before being required to commit to it!


This session has been pre-approved for 1 CFP Credit.

11:30 am
How to Evaluate Your Care Options

Speaker: Ellen Platt

Understand the differences and nuances of various levels of care, what to look for when you are searching and what do they cost?

Session Highlights:

  • Independent Living
  • Assisted Living
  • Memory Care
  • Skilled Nursing
  • Continuing Care Retirement Community
  • Respite
  • Rehabilitation
  • Hospice

This session has been pre-approved for 1 CFP Credit.

12:30 pm
Lunch Break
1:00 pm
Estate Planning Update - 2020 Selected Topics

Speaker: Kevin Bress

Some very interesting changes in Federal and Maryland law occurred in 2020 that will undoubtedly impact many of your clients. This session will highlight a few of them and will offer some creative “work arounds” for clients to consider.

Session highlights:

  • Anticipating changes to the Federal Estate and Gift Tax regime
  • Maryland’s New Spousal Share Law – Will Litigation Floodgates Open?
  • Secure Act upends traditional estate planning with trusts as beneficiary
  • Common Law Marriages in Maryland – Who Knew They are Enforceable?

This session has been pre-approved for 1 CFP Credit.

2:00 pm
How to Select Product - Features to meet various needs for LTC

Speaker: Tim Kelly

In this course you will learn how to guarantee long term care coverage for your clients regardless of their health. In today’s market, there are a large number of different LTC solutions available and many are unknown by your clients. Based upon your client’s health, wealth, and preferences you will be able to provide the solution that guarantees the greatest amount of insurance leverage.

Session highlights:

  • Start the discussion with Fact Finding.
  • Health, Wealth, and Preferences are the key factors in determining the best solution.
  • The health continuum and what solutions are most suitable.
  • The different LTC solutions and how do they work.
  • How do you help your uninsurable clients?

This session has been pre-approved for 1 CFP Credit.

2:50 pm
Conference Conclusion


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35th Personal Financial Planning Conference (Rebroadcast)

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