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Advanced Personal Financial Planning Conference

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					Celebrating the 25th Anniversary of the PFS Credential
Advanced Personal Financial
Planning Conference
                                                                     Early Bird
JANUARY 16-18, 2012                                                 Registration
                                                                   Save $75
Aria Resort & Casino / Las Vegas, NV                                By 12/2/11
Hotel reservation cut-off date: 12/13/2011

                               SPEAKERS NOT TO MISS!




    RON INSANA,              ROBERT S. KEEBLER,          DR. ROBERT BISWAS-DIENER,            GREG VALLIERE,
 CNBC Senior Analyst            CPA, MST, AEP,             Ph.D, Managing Director,       Chief Political Strategist,
   & Commentator         Partner, Keebler & Associates          Positive Acorn            Potomac Research Group
America The Bountiful:      Estate Planning Update            Positive Psychology             An Insider’s View
 The Case for Growth                                                                         from Washington
    in 2011-2012


The most advanced, all-encompassing learning                                          New! Two-Day Training
experience on retirement, estate, investment,                                         Forums taking place
insurance and tax planning for individuals.                                           in Las Vegas:
                                                                                      Implementing Personal
Key conference features include:                                                      Financial Planning Services:
                                                                                      Step by Step Plans for Success
                                                                                      January 15-16, 2012

                                                                                      Personal Financial Specialist
                                                                                      (PFS) Exam Review
  education credits!                                                                  January 15-16, 2012


                                   Learn more or register
                              cpa2biz.com/PFP | 888.777.7077

                                                                                                                        1
                                                                                                                                      nced
                                                                                                                    Add on the Adva Conference
                                                                                                            Personal Financial Planning
    Two New Forums Running Concurrently with                                                                      (Tues-Wed) for on
                                                                                                                                     ly $495!


                                              onference!
                                                f   n !
    the Advanced Personal Financial Planning Conference!
    This year, two new options (additional fee) have been included within the Advanced Personal Financial Planning learning event taking
    place in Las Vegas. Each of these two-day forums are tailored to meet your distinctive needs, helping you advance to the next level of
    competency in providing personal financial planning advice to your clients. Add a new revenue stream and achieve a higher client retention
    rate by expanding your practice and honing your personal financial planning skills.
    Whether it’s learning about financial planning fundamentals, best practices, or business model options, or preparing for the Personal
    Financial Specialist exam, these two new forums will prepare you for achieving maximum success as a personal financial planner.
    Since these events are running concurrently with the Advanced Personal Financial Planning Conference, you also attend the lunches
    and networking receptions with all of the conference attendees on Sunday and Monday.


           Networking with                         Six hours of dedicated networking breaks, lunches and receptions give
          the best & brightest                     you ample time to meet new colleagues and re-engage with peers.


      Sunday, January 15 / Monday, January 16, 2012
      Implementing Personal Financial Planning Services: Step by Step Plans for Success
      Learn from the experts and expand your views.
      Whether you are considering adding, expanding or formalizing personal financial planning services within your firm, or are already
      established and want to hear how some of the most successful CPAs are doing it, this forum will provide you with the step-by-step
      guidance and resources you need to be most successful in this niche.
      There are a multitude of personal financial planning business models you can implement. The one you choose should be what works
      best for you, your practice and your clients. This event will walk you through the nuts and bolts of how to set up your practice and
      the options available to ensure you have the most effective outcome. Walk away with an understanding of how to increase
      profitability and create deeper relationships with your clients.
      Who Should Attend?
      CPAs who provide estate, retirement, tax, investment and/or insurance advice to individuals and need to strengthen their practice
      to serve their clients and their bottom line more effectively; CPAs and financial professionals who are adding, expanding or formalizing
      personal financial planning services within their firms; CPAs and financial professionals who want to hear how other CPA financial
      planners have been successful.
      View the agenda on page 16.


                                                                                                            AICPA ACPAFP ogram
                                                                                                                         hip Pr
      Sunday, January 15 / Monday, January 16, 2012                                                 PFS Exam Sponsors                  e PFS Exam
                                                                                                           preparing for and taking th
      PFS Exam Review Class                                                             Reduce the cost of                    xamsponsorship
                                                                                                               pa.org/pfp/PFSe
                                                                                                                 aic
                                                                                                Find out more at
      Join us for two days of engaging and informative review of all topics covered on   n
      the exam, including the personal financial planning process, your professional responsibilities, income tax, estate, retirement, investments
                                                                                                                   cpa2biz com/PFSreview
      and insurance planning. Completing the self-study PFS Exam Review Course is a prerequisite (log onto cpa2biz.com/PFSreview for
      details). By illustrating concepts with real-life scenarios, the instructors improve your retention for the exam and enable you to increase
      productivity and income back at the office.
      The PFS credential demonstrates unique expertise and added value to your clients. It is the only credential specific to CPAs, bringing
      together the expertise of the CPA and PFS in financial planning. This review class provides attendees with a solid foundation of
      technical knowledge and competency.
      Who Should Attend?
      CPAs preparing to take the PFS exam; partners and staff who want to enhance their competencies; experienced CPAs who want an
      overview of PFP; CPAs who want to expand their PFP education and experience.
      The 2011 Winter PFS Exam period closes on January 27th giving you plenty of time to take the exam after this class.
      View the agenda on page 15.



2                                                    Register by 12/2/11 SAVE $75
In today’s complex economic environment, financial planners are challenged to develop strategies that will satisfy their
clients’ short and long-term financial goals. The 2012 AICPA Advanced Personal Financial Planning Conference is your
opportunity to gain critical insights and high-level guidance directly from the experts on the latest techniques, investment
strategies, and changes in estate & tax legislation to ably and accurately advise your clients and enhance your status
as a trusted advisor.
This dynamic three-day event will include four diverse learning tracks: Investment Management, Wealth Management,
Practice Management, and Retirement/Elder Planning.
Clients are taking an active interest in managing their personal finances and, in turn, demanding more from their advisors.
Are you prepared to respond? This special event will arm you with the proven strategies that will enable you to excel as
their trusted advisor and help your clients succeed in attaining their personal financial goals.


Major Speakers. Meaningful Sessions.
These noted presenters will share their experiences and advice to help you be an expert:
Kathleen Gaffney – Fixed Income                                         Larry McKoy - Income Tax Planning: What Has Congress
                                                                        and the IRS Done for Me (to Me!) this Year!
Roger Gibson – Asset Allocation Post 2008
                                                                        Dan Rubin – Asset Protection
Michelle Golden – Social Media Success & Compliance:
How to Use Modern Communication Tools While Regulators                  Ted Sarenski – Social Security: Where Are We Going?
Catch Up with the Technology                                            What Form Will It Be In?

Jon Guyton – Decision Rules/Safe Withdrawal Rates                       Jim Shambo – Rummaging in the Retirement Ragbag

Angie Herbers – ROI: The Investments in Your Firm that Pay Off          Steve Siegel – Planning to Consider Prior to End of 2012

Michael Kitces – Reviewing Existing Life Insurance Policies             Bob Veres – Moderates the Best Practice Management Ideas Panel

Tim Kochis – Advising Senior Corporate Executives:                      Bill Winterberg – Transformative Technology to Use in Practice
Options, Restricted Stock, Deferred Compensation;
Golden Parachute Constraints

And don’t miss the Best Planning Ideas Panel with the conference’s most popular speakers who
address your questions on the hottest financial planning issues!

Who Should Attend?
CPAs and other financial professionals providing individuals with investment, retirement, estate, insurance and tax planning who wish
to strengthen these offerings in their practices or services, plus PFS, CFP, CFA and CIMA designees requiring CPE credits.



                                   Aria Resort & Casino
                                   Relax and recharge at this one-of-a kind hotel and casino. Aria’s tower
                                   is uniquely designed to deliver corner-window views from every room –
                                   showcasing spectacular city or mountain views. Resort amenities include
                                   fine dining, three stunning pools, a multi-level spa, and an 1,800 seat theater.



                                                              | cpa2biz.com | 888.777.7077                                               3
AICPA Advanced Personal Financial Planning Conference
Pre-Conference Agenda / Sunday, January 15
Topics and speakers are subject to change

    PRE-CONFERENCE SUNDAY, JANUARY 15 / WORKSHOPS & EARLY REGISTRATION
 12:30 pm - 6:00 pm Registration Open                                              102 Making the Media Your Financial Planning
 1:30 pm - 5:25 pm Pre-Conference Workshops                                            Partner C (complimentary)
        101 Low-Cost, Highly Effective Marketing                                        AICPA Media Relations Team
            Techniques that Produce Results MKT (additional fee)                        This four-hour session focuses on basic skills to help develop
            Randy Thurman, CPA/PFS, CFP®, Co-President,                                 ease in public speaking, and dealing with reporters and the
            Retirement Investment Advisors, Inc., Oklahoma City, OK                     media. Specific areas of interest include: understanding your
            Jimmy Williams, CPA/PFS, MTAX, Compass Capital                              audience and reporters, crafting the message you want to
            Management, LLC, McAlester, OK                                              convey, and what to expect in different situations. The media
            Participants will leave this session armed with actual                      relations training will help you understand how reporters work,
            marketing materials and strategies that will allow significant              recognize the benefits of establishing working relationships
            growth of their PFP practices. If you desire to take your                   with the press, develop effective story angles and sell them
            business to the “next level,” don’t miss this session.                      to reporters, and respond to reporters’ questions to your
            The participants will receive:                                              best advantage. This session can either introduce you to
              Effective, proven marketing strategies that achieve your                  the world of presentations and the media, or refresh your
              desired results for growth                                                existing skills to help incorporate effective ways of refining
              Methods on planning an integrated marketing calendar                      your connections with those to whom you speak.
              that “works while you play”                                               This session is limited to 20 participants, so first
              Strategies to select the appropriate media to reach your                  come, first serve! To register for #102, please email
              target audience                                                           financialplanning@aicpa.org.
                                                                             5:30 pm - 6:45 pm
              Tactics that will provide powerful credibility and turn you
                                                                                   103 AICPA Town Hall Meeting: Current Ideas
              into the “go-to guru” for financial planning challenges!
                                                                                       Exchange SKA
              “Top 10 Effective Marketing Piece Titles” (and 10 more                     PFP & PFS Committees
              titles as a bonus)!                                                        Kick off the conference by interacting with attendees and
                                                                                         speakers to discuss current events, issues and developments
                                                                                         in personal financial planning. Attend this session for a
    AICPA Alliance                                                                       unique opportunity to network and exchange ideas with
                                                                                         your peers, members of the committees that run financial
    AICPA is proud to continue its alliance with the                                     planning at the AICPA, as well as staff. The open forum lets
    Chartered Financial Analysts Institute (CFAI) and the                                attendees share feedback with the AICPA, and have a voice
                                                                                         in future benefits and initiatives.
    Investment Management Consultants Association (IMCA),
    co-sponsors of the Investment Management track.                          6:45 pm - 8:00 pm Welcome Reception
                                                                                                Celebrating 25 Years of the PFS Credential
                                                                                        Don’t miss this great opportunity to kick off the
                                                                                        conference and reconnect with peers while
                                                                                        celebrating 25 years of the AICPA PFS credential!




          25th Anniversary Celebration of the PFS Credential
                                          In 1987, the AICPA purchased the Accredited Financial Planning Specialist (AFPS)
                                          credential from the Colorado Society of CPAs. The Institute soon changed the name
                                          to Accredited Personal Financial Specialist (APFS), eventually dropping the “A”
                                          to become the PFS credential in use today. The Personal Financial Specialist
                                          Credential Committee (PFS CC) was created in 1989 to oversee the PFS credential
                                          program. Come celebrate the success of the PFS credential with some of the
                                          pioneers of this credential and the first PFS Credential Committee, including:
                                          Chairman, Jim Shambo, CPA/PFS                    John Connell, CPA/PFS
                                          James Wilson, CPA/PFS                            Robert Warwick, CPA/PFS
                                          Sunday, January 15 - 6:45 pm - 8:00 pm Welcome Reception




4                                                     Register by 12/2/11 SAVE $75
Conference Agenda / Monday, January 16
   GUIDE TO THE SESSIONS
 FIELDS  AP-Administrative Practice     BMO-Business Management & Organization              C-Communications
OF STUDY E-Economics        F-Finance       MKT-Marketing        SKA-Specialized Knowledge & Application            T-Tax
TRACKS IM-Investment Management WM-Wealth Management PM-Practice Management RE-Retirement/Elder Planning/Other
VIRTUAL         Available to be streamed live via the Web direct to your office for those not attending the live conference.
SESSION


MAIN CONFERENCE MONDAY, JANUARY 16 / DAY ONE                                 10:45 am - 11:15 am Networking Break in Exhibit Hall
                                                                             11:15 am - 12:05 pm Concurrent Sessions
7:00 am - 5:30 pm Registration Open                                          IM        3 Understanding Tactical Asset Allocation F
7:00 am - 8:00 am Continental Breakfast in Exhibit Hall                                 Michael Kitces, MSFS, MTAX, CFP®, CLU, ChFC, Publisher,
                                                                             Select
8:00 am - 8:10 am Welcome Announcements                                      One        Director of Research, Kitces.com, Pinnacle Advisory Group,
                  Michael Goodman, CPA/PFS, Conference Chair                            Columbia, MD
8:10 am - 9:25 am Keynote Session                                                       Most financial planners have been taught the principles of
         1 America the Bountiful: The Case for Growth in                                managing portfolios using traditional buy-and-hold techniques;
           2011-2012 E                                                                  yet in reality very few planners actually strategically hold
            Ron Insana, CNBC Senior Analyst & Commentator, New York, NY                 the exact same portfolio today that they did 5, 10, or 20
                                                                                        years ago, and instead have made some form of “tactical”
                Ron is a financial journalist who stands alone among                     shifts over time. In this session, participants will gain a better
                his peers in having the experience of running his own                   understanding of some of the theoretical underpinnings of
                hedge fund. As the U.S. and global economies move                       buy-and-hold strategic asset allocation, and how tactical
                toward recovery, he offers unvarnished insights into                    asset allocation can simply be a natural extension of this
                what the “new normal” means for all of us.                              methodology. In addition, the session will explore the
                                                                                        practical approaches used, and challenges faced, by
           While many analysts are pessimistic about America’s                          those who adopt tactical asset allocation.
           prospects for solid economic growth over the next few
           years, trusted financial industry analyst Ron Insana makes a      WM        4 Income Tax Planning: What Has Congress and
           persuasive case that there is no place like home. As Europe                   the IRS Done for Me (to Me!) this Year! T
           deals with the sovereign debt crisis shaking the Euro Zone                   Larry McKoy, CPA/PFS, CFP®, Partner, Dixon Hughes
           to its core, China manages looming inflationary worries,                     Goodman LLP, Glen Allen, VA
           and the once-hot emerging markets have seemed to cool                        Barry Picker, CPA/PFS, CFP®, Picker & Auerbach, CPAs,
           off, Americans have increased reason to be optimistic that                   Brooklyn, NY
           the economy will grow far beyond our current expectations.                   Session speakers will cover income tax strategies and updates
           Insana reads all of the signs – from the recent retail sales                 of interest to personal financial planners. This session will give
           surge to record corporate profits to the hard choices that                   you ideas for your client meetings for the 2012 tax filing
           politicians must make to shore up our overstretched national                 season. With the ever changing horizon related to income
           balance sheet – to help attendees understand how and                         tax law and the anticipated findings of the “super committee”
           why the U.S. will outpace the world in terms of growth and                    (which may be public by the date of this conference), this
           finally solve the fiscal and regulatory problems for which the               session will be packed with information you can to use.
           country has been severely criticized. Without ignoring the
           other global growth stories that will advance the markets         PM        5 Differentiating Yourself: Successfully Marketing
           in the near future, Insana helps investors, businesses and                    Your PFS Credential MKT
           organizations understand the way forward.                                    Michelle Golden, CPF, President, Golden Practices Inc, St. Louis, MO
9:30 am - 10:45 am General Session                                                      For seasoned, new, or aspiring PFSs, this session focuses on
         2 Estate Planning Update T                                                     presenting yourself in ways that fully leverage the unique
            Robert Keebler, CPA, MST, AEP, Partner, Keebler & Associates                PFS brand. It starts with knowing the compelling differences
            LLP, Green Bay, WI                                                          of this particular credential over other financial planning
                                                                                        certifications and, most importantly, how the differences are
                Robert is a 2007 recipient of the prestigious Estate                    meaningful to a client. Would you like to better articulate
                Planners award from the National Association of                         your uniqueness as a CPA and PFS in a way that reassures
                Estate Planners & Councils. He has been named by                        and excites people about working with you? Want to
                CPA Magazine as one of the “Top 100 Most Influential                     be more client-centric in your marketing approaches?
                Practitioners” in the U.S. and one of the “Top 40 Tax                   Are you curious how other PFSs have so successfully built
                Advisors to Know During a Recession.”                                   their wealth management practices? Discover marketing
                                                                                        techniques that few CPAs have mastered. A veteran CPA/
            The last two years have been very interesting from an estate                marketing strategist, Michelle leads this session to teach
            planning perspective. During this session, Bob will cover key               professionals how to present themselves more effectively,
            changes in the estate, gift tax and GST tax law. Additionally,              both verbally and in writing.
            he will address estate planning opportunities before the
            sunset of the estate, gift tax and GST tax law in 2013.




                                                                    | cpa2biz.com | 888.777.7077                                                          5
Conference Agenda / Monday, January 16
11:15 am - 12:05 pm Concurrent Sessions                                       1:00 pm - 2:15 pm Concurrent Sessions
WM          6 The Coach Approach to Enhanced Client                           PM          9 Technology Insights and Best Practices from the
Select        Communication, Goal Discovery and                               Select        Schwab Benchmarking Study BMO
One           Achievement C                                                   One         Wade Spencer, Managing Director, Technology Consulting,
(continued) Jean-Luc Bourdon, CPA/PFS, Walpole Financial Advisors LLC,        (continued) Charles Schwab Advisor Services, Boston, MA
           Goleta, CA                                                                     Stay on top of technology investments and operational best
           Roger Jahnke, CEO, Health Action Synergies, Santa Barbara, CA                  practices through a review of Schwab’s Benchmarking Study
           Coaching is a thought-provoking process to help each                           and Productivity Market Knowledge Tools® report. Hundreds
           client attain life goals. This is achieved through a co-active                 of participants provided valuable information about their
           discovery process that helps establish what is important to                    technology use, spending and practices. Find out what they
           a client and leads to co-creating goals and a plan to reach                    said, understand the trends and learn how to maximize your
           them. Applied to wealth management, a “coach approach”                         operational productivity.
           provides tools and techniques to confidently incorporate
           important aspects of a client’s life with their finances.          RE          10 IRA Planning in 2012 T
           This coach approach provides an easy-to-use process                           Barry Picker, CPA/PFS, CFP®, Picker & Auerbach, CPAs,
           which helps clients brainstorm, set goals and identify                        Brooklyn, NY
           needs and resources. As a result, both client and                             This session will cover IRA planning techniques relevant for
           practitioner benefit from:                                                    2012, including Roth conversions and recharacterizations,
             A structured and comfortable approach to                                    early distributions, and IRAs as part of a total financial plan.
             personal conversations                                           2:25 pm - 3:40 pm Concurrent Sessions
             A holistic understanding of important issues and                 IM          11 Constructing an Inflation-Hedged Portfolio F
             an effective way to address them                                 Select      Jon Ruff, MBA, CFA, Director of Research – Real Asset
             A higher level of service, success and satisfaction              One         Strategies, AllianceBernstein, New York, NY
12:05 pm - 1:00 pm Networking Lunch                                                       While there is no disagreement about the damage inflation
1:00 pm - 2:15 pm Concurrent Sessions                                                     can inflict, there’s little consensus on how to best protect
                                                                                          against it – both in terms of which assets hedge inflation
IM          7 Fixed Income F                                                              most effectively and how to incorporate them in a portfolio.
Select      Kathleen Gaffney, CFA, Fixed Income Portfolio Manager,                        Our research shows that the construction of a suite of real
One         Loomis Sayles, Boston, MA                                                     inflation hedges – that can complement an investor’s existing
            After three decades of enjoying continuously rising                           asset allocation – offers the best means of incorporating
            income, investors face paltry yields on most of their                         inflation protection into the portfolio.
            bond investments. The topsy turvy global markets make
            it even more difficult for people to know where to invest,
            especially those on fixed incomes. While a strong stomach         WM          12 Planning to Consider Prior to End of 2012 T
            is required in markets like these, there are many interesting                 Steve Siegel, J.D., LL.M. Taxation, President, The Siegel Group,
            opportunities in today’s markets, including:                                  Morristown, NJ
                                                                                          This session will complement Bob Keebler’s estate planning
               Convertible bonds – which we expect will capture the                       update by diving deeper into a few essential financial, estate
               uptick in the stock market over time                                       and tax planning strategies that should be considered in
               The debt of commodity-based countries like Australia,                      2012 in the event that future tax laws become less favorable
               New Zealand and Canada                                                     for the preservation of client wealth.
               Bonds issued by U.S. corporations which have
               accumulated stacks of capital on their balance sheets          PM          13 Social Media Success & Compliance: How to Use
            By looking at the world with a long-term time horizon and                        Modern Communication Tools While Regulators
            holding securities for an average of three years or more,                        Catch Up with the Technology C
            Kathleen has been able to outperform equity peers over                        Michelle Golden, CPF, President, Golden Practices Inc,
            the last ten years. Hear how Kathleen and team plan on                        St. Louis, MO
            navigating the choppy waters ahead of us over the next                        Social media is today’s telephone, email, brochure and
            12-18 months.                                                                 newsletter – all rolled into one. After years of watching other
                                                                                          professionals and businesses experiment and refine their
WM          8 Reviewing Existing Life Insurance Policies SKA                              use of LinkedIn, Twitter, Facebook, blogs, and new player
            Michael Kitces, MSFS, MTAX, CFP®, CLU, ChFC, Publisher,                       Google Plus, heavily regulated financial advisors are now
            Director of Research, Kitces.com, Pinnacle Advisory Group,                    increasingly stepping into the fold. These tools can certainly
            Columbia, MD                                                                  help grow your referrals and acquire new clients as well as
            While making initial decisions about life insurance for estate                connect better with current clients. However, there are some
            planning entails significant complexity, the proper evaluation                nuances to using these tools that may surprise (and inspire!)
            of existing life insurance policies to ensure they will last as               you. And, of course, there are those pesky but important
            long as needed presents challenges of its own. Participants                   compliance concerns to address. This session, led by a CPA
            will learn the questions to ask and issues to consider when                   marketing veteran and social media author, will show you:
            evaluating various types of existing life insurance policies,                   How to weave social media into your more traditional
            so they can understand when an insurance policy is healthy,                     business development activities
            and when it may be necessary to involve an insurance agent                       Which tool is best suited to your objectives and personal style
            or company to get a policy back on track.                                       Steps to ensure you remain in compliance with regulators
                                                                                            Best practices for enriching relationships and growing
                                                                                            your practice




6                                                     Register by 12/2/11 SAVE $75
2:25 pm - 3:40 pm Concurrent Sessions                                          4:10 pm - 5:25 pm Concurrent Sessions
RE          14 Decision Rules/Safe Withdrawal Rates F                          PM          17 Best Practice Management Ideas Panel BMO
            Jon Guyton, CFP®, Principal, Cornerstone Wealth Advisors,                      Moderator: Robert Veres, Writer, Inside Information, San Diego, CA
Select       Inc., Minneapolis, MN                                             Select      Panel: Deborah S. Fox, Financial Planner, Founder,
One         “How much can I safely withdraw from my portfolio?” is one         One         Fox Financial Planning Network, San Diego, CA
(continued) of the most important questions clients ask – especially today!    (continued) Michelle Golden, CPF, President, Golden Practices, Inc,
            The impact of applying dynamic decision policies to portfolio                  St. Louis, MO
            distributions has been one of financial planning’s hottest                     Angie Herbers, Founder/Senior Consultant, Angie Herbers Inc.,
            topics since 2004 when our speaker, published his award-                       Manhattan, KS
            winning research in the Journal of Financial Planning,                         Bill Winterberg, CFP®, Principal, FPPad.com, Dallas, TX
            establishing higher safe withdrawal rates than the oft-quoted                  A compendium of the very best practice management ideas
            4% static level. In March 2006, he co-authored follow-                         from coaches and consultants who see advisory practices
            up research. Testing various balanced portfolios utilizing                     on a daily basis, including staffing and compensation;
            Monte Carlo analysis, it validated the 2004 findings and                       technology and workflow; and client communications.
            introduced two decision policies which act as “guardrails”
            to support higher initial withdrawal rates, introduce              RE          18 Changing Times: Retirement in America SKA
            flexibility into distribution decision-making, and allow for                  Gary Rozier, Senior Vice President, Ariel Investments, Chicago, IL
            purchasing power maintenance. These policies are then                         This session will focus on the changing landscape of
            communicated with clients via a withdrawal policy statement                   retirement plans and its effect on investing patterns
            that both establishes expectations and inspires confidence.                   across racial and ethnic groups. The discussion will be
            Specifically, you will learn to:                                              largely based on findings from two studies: 401(k) Plans
              Synthesize “safe withdrawal rate” research of recent years                  in Living Color, which examines the differences in 401(k)
              Apply these dynamic decision policies in your clients’                      usage and outcomes between people of color and the
              retirement planning                                                         majority, and the Black Investor Survey, which for over a
              Make decisions about when distributions should                              decade has surveyed the saving and investing behavior
              (and need not) be adjusted                                                  of middle to higher income African Americans and
                                                                                          White Americans. The discussion will conclude with
              Utilize decision policies to help clients weather the                       some practical recommendations for corporations
              current economic storms                                                     and advisors to incorporate.
              Clearly and simply communicate decision policies                 5:30 pm - 6:30 pm Networking Reception
              to your clients
              Create a withdrawal policy statement                                          With the conference in full swing, do not miss another
3:40 pm - 4:10 pm Networking Break in Exhibit Hall                                          great chance to network with peers and exhibitors.
4:10 pm - 5:25 pm Concurrent Sessions
IM          15 Market Turbulence F                                             MAIN CONFERENCE TUESDAY JANUARY 17 / DAY TWO
Select      Mark Kritzman, CFA, President, Windham Capital                     6:30 am - 5:30 pm Registration Open
One         Management, Boston, MA                                             6:30 am - 8:00 am Continental Breakfast in Exhibit Hall
            This session introduces two new measures of risk: financial        7:00 am - 7:50 am Early Riser Sessions
            turbulence and systemic risk. Financial turbulence captures        IM          19 Investing for Dummies F
            extreme price moves, the decoupling of correlated assets,          Select       Jerry Miccolis, CFA, CFP®, FCAS, MAAA, Principal,
            and the convergence of uncorrelated assets. Systemic risk          One          Chief Investment Officer, Brinton Eaton, Madison, NJ
            measures the extent to which a market is compact or tightly                     This session, presented by the co-author of Asset Allocation
            coupled. When in this state, it is especially fragile and,                      For Dummies® (Wiley 2009), will take beginner/intermediate-
            therefore, vulnerable to major sell-offs. We will provide                       level investors through the fundamentals of successful
            evidence that these measures effectively distinguish                            long-term investing. Topics covered include: the difference
            relatively benign markets from dangerous markets, and                           between diversification and asset allocation; the benefits of
            describe how investors can scale exposure to risk in order                      opportunistic rebalancing, i.e., “the closest thing to a free
            to reduce the likelihood of significant drawdowns.                              lunch in investing”; putting market volatility to work for you;
                                                                                            tax-efficient investment strategies; and integrating investing
WM          16 Advising Senior Corporate Executives: Options,                               with your client’s lifetime financial plan.
               Restricted Stock, Deferred Compensation;
               Golden Parachute Constraints SKA
            Tim Kochis, J.D., MBA, CFP®, President, International Ventures,




                                                                                    “
            Aspiriant, San Francisco, CA
            This session will review the special considerations in advising
            corporate executives, the opportunities and pitfalls, including:            The networking opportunities!
              Navigating special SEC requirements of 10b5 and 16b
                                                                                    [This conference is a great opportunity



                                                                                                                                             ”
              Optimizing the tax and investment opportunities of stock
              options and restricted stock; when and how to exercise                   for] meeting and interacting with
              options; when to sell the acquired stock; whether to make                  strong leaders in the industry.
              the Section 83(b) election
              Avoiding the penalties of golden parachutes
              Making the most of deferred compensation arrangements
              Managing concentration risk: sales, family gifts,
              philanthropy, or deliberate retention


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Conference Agenda / Tuesday, January 17
7:00 am - 7:50 am Early Riser Sessions                                        9:25 am - 9:55 am Networking Break in Exhibit Hall
WM         20 Preparing and Managing Clients Through                          9:55 am - 11:10 am Concurrent Sessions
Select        Disaster SKA                                                    IM         24 State-of-the-Art Portfolio Design F
One         Mitchell Freedman, CPA/PFS, AIF®, MFAC Financial                  Select     Jerry Miccolis, CFA, CFP®, FCAS, MAAA, Principal,
(continued) Advisors, Inc., Westlake Village, CA                              One        Chief Investment Officer, Brinton Eaton, Madison, NJ
           It only happens to other people – not us. The truth is that                   “Modern portfolio theory” is several decades out of date;
           disasters can occur at anytime, to anyone. Financial advisors                 in the last few years, its fault lines have been starkly
           need to have this knowledge to advise clients how to prepare                  exposed. This session, for intermediate/advanced-level
           for and endure living after these generally unexpected                        investors, will explore how to bring the science of investing
           events. This information will also be of help to advisors in the              into the 21st century. Topics to be covered include: doing
           event they are victims of disaster. This speaker has advised                  a better job with the “3 Rs” of MPT (risk, return, and
           many clients who have been victimized by disasters, and he                    relationships) and why, for example, correlations are a
           himself endured the consequences of two such disasters.                       dangerously inadequate way to measure relationships;
           In this session you will learn how to:                                        dynamic asset allocation, to respond to fundamental shifts
              Prepare for disaster                                                       in the financial/economic landscape; momentum and mean-
                                                                                         reversion strategies; and cost-effective tail risk hedging.
              Secure your financial records
              Determine what’s important (before and after)                   WM         25 Get to the Point: Winning Strategies for
              Deal with insurance claims                                                    Powerful Client Relationships C
                                                                                         Gerard J. Donnellan, Ph.D., Organizational and Clinical
PM         21 Serving Your Clients as a CPA Financial Planner                            Psychologist; Family Business Advisor. President, Big Leap,
              While Avoiding Unnecessary Risk of Litigation                              Lexington, MA
              and Government Intrusion SKA                                               We all know how to listen well and frame good questions
           Dirk Edwards, CPA/PFS, J.D., MBA, Edwards Consulting, LLC,                    to our clients. This advanced workshop focuses on three
           Lake Oswego, OR                                                               key ingredients for deepening client relationships: how
           Amy Walsh, J.D., Partner, Kostelanetz & Fink LLP, New York, NY                to manage the flow and pace of client meetings; how to
           In this era of heightened regulation within the finance                       deal with client resistance; and, how to maintain focus on
           industry, one way to avoid unwarranted criticism from the                     goals and “next steps.” Seasoned practitioners understand
           government and from private litigants is by adhering to                       the importance of these three components. Learn how to
           meaningful professional standards and best practices.                         integrate all three into your playbook.
           This discussion will focus on specific sections of the AICPA’s
           Statement on Responsibilities by applying them to concrete         PM         26 Planning for a Business Disaster BMO
           examples involving real-life situations.                                      Paul Violis, Ph.D., Chief Executive Officer, Risk Control
                                                                                         Strategies, Inc., New York, NY
PM         22 iPad in Financial Services BMO                                             Whether it be from a terrorist attack, data/security breach,
           Bill Winterberg, CFP®, Principal, FPPad.com, Dallas, TX                       workplace violence event or natural disaster, the fact remains
           With over 25 million sold and counting, the iPad has                          that based on valid empirical data the probability of risk is
           reinvigorated the category of tablet computers. It’s changing                 significant, and no venue is exempt from the irreparable
           the way we consume and share information, but how can                         damage any one of these occurrences would bring.
           the device benefit financial service professionals? Attend                    This highly interactive session will dive into the intricacies of
           this session to learn about techniques and apps to use to                     crisis preparedness/response and provide attendees with a
           incorporate the iPad into your business and daily life.                       platform to self-evaluate their own firm as well as enhance
8:00 am - 8:10 am Welcome Announcements                                                  their ability as a trusted advisor to prepare their clients
           Michael Goodman, CPA/PFS, Conference Chair                                    operations. Among the subjects to be discussed are:
8:10 am - 9:25 am Keynote Session                                                          State of the nation on probability of risk
       23 Positive Psychology C                                                            Creating the preparedness/response procedure
           Robert Biswas-Diener, Ph.D., Certified Mentor Coach,                             Incident containment
           Managing Director, Positive Acorn, LLC, Milwaukie, OR
                                                                                           Incident response
                                                                                           Communications and operations redundancy
               Robert is widely known as the “Indiana Jones                                Business continuity                    Best practice tenets
               of positive psychology” because his research on
               happiness has taken him to such far flung places
               as Greenland, India and Kenya.                                 RE         27 Medicare & Healthcare: A “Real Scare” for
                                                                                            Retirees in 2012 SKA
                                                                                         Tom Tillery, CFP®, CLU, ChFC, LUTCF, CRPC®, Vice President/
           Happiness expert Dr. Biswas-Diener explores the fascinating                   Chief Compliance Officer, Paraklete Financial, Inc.®, Kennesaw, GA
           link between money and life’s most desirable emotion:                         Medicare touches the lives of 105 million Americans. The odds
           happiness. This session will cut through whimsical sayings                    are that your clients are part of that group. To be credible,
           like “money can’t buy happiness” to look at the actual                        you need to know more about the Medicare program than
           research findings about the intersection between money                        they do – or you may lose them as clients! 2012 is a year
           and happiness from studies of both the richest and poorest                    of change and they need you to guide them through some
           people in the world. Come and discover how your own                           rough seas. Topics addressed in this session include:
           recommendations to clients may shift as you reflect on the
           research presented about how we save and spend money,                           Medicare: A, B, C & D                  Health care reform 2012
           and its implications for psychological well-being: are there                    Advanced planning opportunities
           better ways to help clients find greater fulfillment through
           more effective financial decisions?


8                                                     Register by 12/2/11 SAVE $75
11:20 am - 12:10 pm Concurrent Sessions                                          12:10 pm - 1:00 pm Networking Lunch
IM         28 Emerging/Frontier Markets F                                        1:00 pm - 2:15 pm Concurrent Sessions
Select      Tom Leventhorpe, Client Portfolio Manager, JPMorgan                  IM        32 Asset Allocation Post 2008 F
One         Asset Management, New York, NY                                       Select    Roger Gibson, CFA, Chief Investment Officer, Gibson Capital,
(continued) Scott Sprinkle, CPA/PFS, CFP®, Sprinkle Financial                    One       LLC, Wexford, PA
           Consultants, LLC, Littleton, CO                                                 The financial crisis of 2008-2009 was a perfect storm brought
           In an environment where institutional investors are                             about by the confluence of securitization, financial engineering,
           continually searching for additional ways to diversify their                    excessive leverage, misalignment of interests, and good old-
           portfolios and increase their returns without increasing their                  fashioned greed. Equity asset classes suffered declines of
           risk, the question is no longer when, but how, to invest in                     record-breaking magnitude. Even though the markets have
           emerging markets. JPMorgan employs comprehensive,                               recovered most of their losses, we will be dealing with painful
           far-reaching research capabilities to uncover the best                          economic repercussions for years to come. Did multiple-asset-
           opportunities to invest across the globe. This session will                     class investing fail investors during the crisis? Are the principles
           discuss his perspectives on opportunities in emerging                           and payoffs of multiple-asset-class investing the same today
           and frontier markets.                                                           as they were before the financial crisis? Should portfolios be
                                                                                           structured differently? Do new behavioral issues exist that
WM         29 Asset Protection SKA                                                         need to be addressed in working with clients?
           Daniel Rubin, J.D., LL.M., Partner, Moses & Singer LLP,
           New York, NY                                                          WM        33 Estate Planning, Gifting and GST T
           All signs indicate that litigation is in a continuing upward                    Steven Siegel, J.D., LL.M., Taxation, President, The Siegel Group,
           spiral across the U.S. And, although some claims are                            Morristown, NJ
           meritorious, far too many are not. Timely “asset protection                     This session will address the state of the law in 2012 as it
           planning” can help clients weather this storm of litigation                     relates to estate planning, gifting and generation-skipping
           with their finances intact. This session will discuss ways in                   tax issues – and the concerns for new laws becoming
           which you can help clients protect themselves from                              effective in 2013. It will share ideas for flexible planning
           potential future creditors, including:                                          techniques to address the uncertainty of the current and
             The ethics of asset protection planning                                       future laws to enable advisors to recommend financial plans
                                                                                           that clients can adopt for immediate protection and safety,
             The law of fraudulent transfers                                               as well as future confidence.
             Exemption planning
             The use of domestic asset protection trusts                         WM        34 Nipping at Our Heels: Dealing with Difficult
             The use of foreign asset protection trusts                                       Client Situations C
             Integrating asset protection planning into your client’s                      Gerard J. Donnellan, Ph.D., Organizational and Clinical
             estate and financial plan                                                     Psychologist; Family Business Advisor. President, Big Leap,
                                                                                           Lexington, MA
PM         30 Transformative Technology to Use in Practice BMO                             Beth Gamel, Pillar Financial Advisors, Waltham, MA
           Bill Winterberg, CFP®, Principal, FPPad.com, Dallas, TX                         Marc Minker, CPA/PFS, CBIZ MHM, LLC, New York, NY
           Transformative technology gets people talking to you and about                  Tough client engagements dog us all. This session will
           you. This session delivers techniques to dramatically transform                 discuss case vignettes and approaches for dealing with
           how you interact with clients and co-workers using strategies                   the most challenging client situations. With substantial
           that work in the real world. It will focus on transforming how you:             time for audience interaction, the focus is on practical,
                                                                                           thoughtful and strategic approaches for dealing with
             Collaborate and communicate with clients and colleagues                       client situations that get under our skin, keep us awake
             Manage and retrieve information about your clients and                        at night, and cloud our thinking.
             your business
             Optimize your processes to achieve new levels of efficiency         RE        35 Social Security: Where Are We Going?
             Takeaways include tools and strategies to get you started                        What Form Will It Be In? SKA
             on transforming your business right now.                                      Theodore Sarenski, CPA/PFS, CFP®, AEP, President/CEO,
                                                                                           Blue Ocean Strategic Capital, LLC, Syracuse, NY
RE         31 Elder Planning Practice Models that Work: Learn                              Each year this conference has a session on Social Security.
              How You Can Continue to Profitably Serve Your                                 Most years the Social Security program stays as it is and
              Aging and Elder Clients SKA                                                  specific questions get answered here. Debt reduction, tax
           Mitchell Freedman, CPA/PFS, AIF®, MFAC Financial                                reform and balanced budget rhetoric from Washington
           Advisors, Inc., Westlake Village, CA                                            continue to scare the over-65 set as the discussion turns
           Theodore Sarenski, CPA/PFS, CFP®, AEP, President/CEO,                           to Social Security reform. Learn what each of the 2012
           Blue Ocean Strategic Capital, LLC, Syracuse, NY                                 presidential hopefuls are thinking of this topic. Learn of
           You can continue being the trusted advisor to your clients                      the various reform suggestions that have already been
           as they retire and beyond. Financial planning is a continuum                    published. As always, get your specific questions answered
           and you cannot afford to be “dropped off” at retirement,                        and learn how the system currently works.
           when your clients need you more than ever. Educate yourself
           about the issues faced by both you and seniors from a
           financial, social and physical perspective so that you remain
           relevant as an advisor. Grow your practice by learning how
           to make the children and grandchildren clients, too.




                                                                       | cpa2biz.com | 888.777.7077                                                          9
Agenda-at-a-Glance
                                                                                                                                                                                                                                                                                                      Implementing PFP
Tracks              All                                      Investment Management                                   Wealth Management                                          Practice Management                                          Retirement/Elder Planning                                 Services Agenda

 SUNDAY, JANUARY 15 / PRE-CONFERENCE VALUE-ADDED WORKSHOPS                                                                                                                                         SUNDAY, JANUARY 15 / IMPLEMENTINGSUNDAY, JANUARY 15 / IMPLEMENTING PFP SERVICES
                                                                                                                                                                                                                                    PFP SERVICES
8:30 am - 9:20 am                                                                                                                                                                                  1 Setting the Stage: An Overview of Business Models
9:20 am - 10:35 am                                                                                                                                                                                 2 How to Get Started
10:50 am - 12:20 pm                                                                                                                                                                                3 Regulatory & Compliance Issues
12:20 pm - 1:20 pm                                                                                                                                                                                 Networking Lunch
                                         sessions start


1:20 pm - 1:50 pm                                                                                                                                                                                  4 Questions Related to Regulatory & Compliance Issues
                            Select One


                                            at 1:30



1:50 pm - 3:05 pm                                         101 Low-Cost, Highly Effective Marketing Techniques that         102 Making the Media Your Financial Planning Partner                    5 Technology Topics for PFP
3:20 pm - 4:35 pm                                             Produce Results (additional fee)                                 (complimentary) See agenda for registration details                 6 Practical Approach to Client Meetings
4:35 pm - 5:25 pm                                                                                                                                                                                  7 Wrap Up & Next Steps: What to Expect on Day 2
5:30 pm - 6:45 pm         103 AICPA Town Hall: Current Ideas Exchange                                                                                                                              103 AICPA Town Hall: Current Ideas Exchange
6:45 pm - 8:00 pm         Welcome Reception – Celebrating 25 Years of the PFS Credential                                                                                                           Welcome Reception – Celebrating 25 Years of the PFS Credential


 MONDAY, JANUARY 16 / MAIN CONFERENCE / DAY ONE                                                                                                                                                                                                   MONDAY, JANUARY 16 / IMPLEMENTING PFP SERVICES
8:00 am - 8:10 am         Opening & Welcome Remarks                                                                                                                                                Opening & Welcome Remarks
8:10 am - 9:25 am         1 Keynote Presentation: America the Bountiful: The Case for Growth in 2011-2012 – Ron Insana                                                                             8 Keynote Presentation: America the Bountiful: The Case for Growth in 2011-2012 – Ron Insana
9:30 am - 10:45 am        2 Estate Planning Update – Robert Keebler                                                                                                                                9 Estate Planning Update – Robert Keebler
                          Select




11:15 am - 12:05 pm                      3 Understanding Tactical Asset Allocation                        4 Income Tax Planning: What Has Congress                   5 Differentiating Yourself Successfully: Marketing           6 The Coach Approach to Enhanced Client                  10 PFP Business Models: True Stories from
                           One




                                                                                                            and the IRS Done for Me (to Me!) This Year!                Your PFS Credential                                          Communication, Goal Discovery and Achievement             Successful CPAs
12:05 pm - 1:00 pm Networking Lunch                                                                                                                                                                Networking Lunch with PFP Conference Attendees
1:00 pm - 2:15 pm                        7 Fixed Income                                                   8 Reviewing Existing Life Insurance Policies               9 Technology Insights and Best Practices from the            10 IRA Planning in 2012                                  11 Business Models Roundtables (select one)
                                                                                                                                                                       Schwab Benchmarking Study
                          Select One




2:25 pm - 3:40 pm                        11 Constructing an Inflation-Hedged Portfolio                     12 Planning Considerations Prior to End of 2012            13 Social Media Success & Compliance: Using Modern           14 Decision Rules/Safe Withdrawal Rates                  12 Business Models Roundtables (select one)
                                                                                                                                                                        Communication Tools While Regulators Catch Up
                                                                                                                                                                        with the Technology
4:10 pm - 5:25 pm                        15 Market Turbulence                                             16 Advising Senior Corporate Executives: Options,          17 Best Practice Management Ideas Panel                      18 Changing Times: Retirement in America                 13 Next Steps: Practical Advice from the Panel
                                                                                                             Restricted Stock, Deferred Compensation; Golden
                                                                                                             Parachute Constraints
5:30 pm - 6:30 pm         Networking Reception                                                                                                                                                     Networking Reception with PFP Conference Attendees


 TUESDAY, JANUARY 17 / MAIN CONFERENCE / DAY TWO
                          Select




7:00 am - 7:50 am                        19 Investing for Dummies                                                      20 Preparing and Managing Clients Through Disaster                            21 Serving Your Clients as a CPA Financial Planner While Avoiding       22 iPad in Financial Services
                           One




Early Riser                                                                                                                                                                                             Unnecessary Risk of Litigation and Government Intrusion

8:10 am - 9:25 am         23 Keynote Presentation: Positive Psychology – Robert Biswas-Diener
                           Select One




9:55 am - 11:10 am                       24 State-of-the-Art Portfolio Design                                          25 Get to the Point: Winning Strategies for Powerful Client Relationships     26 Planning for a Business Disaster                                     27 Medicare & Healthcare: A “Real Scare” for Retirees in 2012
11:20 am - 12:10 pm                      28 Emerging/Frontier Markets                                                  29 Asset Protection                                                           30 Transformative Technology to Use in Practice                         31 Elder Planning Practice Models that Work: Learn How You Can
                                                                                                                                                                                                                                                                                Continue to Profitably Serve Your Aging and Elder Clients

12:10 pm - 1:00 pm Networking Lunch
                           Select One




1:00 pm - 2:15 pm                        32 Asset Allocation Post 2008                                                 33 Estate Planning, Gifting and GST                                           34 Nipping at Our Heels: Dealing with Difficult Client Situations        35 Social Security: Where Are We Going? What Form Will It Be In?
2:25 pm - 3:40 pm                        36 What Wealth Managers Need to Know About Evaluating                         37 How Health Care Reform Affects You and Your Clients                        38 ROI: The Investments in Your Firm that Pay Off                       39 Trends in Long-Term Care Planning
                                            Investment Manager Performance
4:00 pm - 5:15 pm         40 Best Planning Ideas Panel
5:20 pm - 5:40 pm         AICPA PFP Division Distinguished Service Award Presentation


 WEDNESDAY, JANUARY 18 / MAIN CONFERENCE / DAY THREE
                          Select




7:00 am - 7:50 am                        41 Sustainable Investing: Making an Impact Without                            42 Ten Blunders to Avoid During the Divorce Process                           43 What Your E&O Covers and Does Not                                    44 Challenges/Choices of Aging Seniors
                           One




Early Riser                                 Sacrificing Returns

8:10 am - 9:00 am         45 Keynote Presentation: An Insider’s View from Washington – Greg Valliere
9:15 am - 10:30 am                       46 Decoding the AICPA Code of Professional Conduct:                           47 A Layperson’s Guide to Understanding Will and Trust Drafting               48 Analyzing Opportunity in Today’s Commercial Real Estate Market       49 ”Who’s on First, What’s on Second”: Using Annuities in
                           Select One




                                            A Pragmatist’s Guide to Being a Fiduciary                                                                                                                                                                                           Retirement Planning

10:40 am - 11:55 am                      50 Why Tax Management Is So Important for Investments                         51 Interactivity in Financial Planning                                        52 Investment Compliance                                                53 Rummaging in the Retirement Ragbag


11:55 am                  Conference Adjourns
Conference Agenda / Tuesday, January 17
2:25 pm - 3:40 pm Concurrent Sessions                                        4:10 pm - 5:25 pm General Session
IM          36 What Wealth Managers Need to Know About                                40 Best Planning Ideas Panel SKA
               Evaluating Investment Manager Performance F                              Moderator: Lyle Benson, CPA/PFS, CFP®, President,
Select      Stephen Horan, Ph.D., CFA, CIPM, Head, University                           L.K. Benson & Company, Baltimore, MD
One         Relations and Private Wealth Management, CFA Institute,                     Panel: Robert Keebler, CPA, MST, AEP, Partner, Keebler &
            Charlottesville, VA                                                         Associates LLP, Green Bay, WI
            Money chases returns. Investors pile into equity funds at                   Michael Kitces, MSFS, MTAX, CFP®, CLU, ChFC, Publisher,
            the tail end of bull markets and leave on the tail end of                   Director of Research, Kitces.com, Pinnacle Advisory Group,
            bear markets. Similarly, managers that log high investment                  Columbia, MD
            returns attract the most capital in later periods despite the               Daniel Rubin, J.D., LL.M., Partner, Moses & Singer LLP,
            lack of positive return persistence. Choose your investment                 New York, NY
            managers smarter. Know how to measure performance and                       This panel brings together thought leaders in key areas of
            attribute it to the proper causes. From benchmark selection,                financial planning, who are some of the most highly rated
            to traditional performance measures, to recent advances in                  speakers at the conference. They will share their best current
            the importance of asset allocation (does it really explain 93%              financial planning ideas and strategies that you should
            of performance?), this session will give wealth managers the                consider implementing with clients now.
            tools essential to evaluating performance.                       5:25 pm - 5:40 pm AICPA PFP Division Distinguished Service
                                                                                                  Award Presentation
WM          37 How Health Care Reform Affects You and
               Your Clients SKA                                              MAIN CONFERENCE WEDNESDAY, JANUARY 18 / DAY THREE
            Carolyn McClanahan, MD, CFP®, Founder, Life Planning
                                                                             6:30 am - 12:00 pm Registration Open
            Partners, Inc., Jacksonville, FL
                                                                             6:30 am - 8:00 am Continental Breakfast
            Health care reform is in process, and most people do not
                                                                             7:00 am - 7:50 am Early Riser Sessions
            understand the full impact of the law. Dr. McClanahan
                                                                             IM          41 Sustainable Investing: Making an Impact
            will discuss all ten titles of the health care law, what to
                                                                             Select         Without Sacrificing Returns F
            expect, and how to help your clients plan for the upcoming       One         Brent Kessel, Co-Founder and President, Abacus Wealth
            changes. This is an informative and nonpartisan talk on the
                                                                                         Partners, Los Angeles, CA
            nuts and bolts of health care reform from the perspective
                                                                                         Most socially responsible investment vehicles utilize
            of a doctor, financial planner, and someone who has read
                                                                                         subjective and controversial social screens, introduce
            all 2,407 pages of the law.
                                                                                         significant tracking error by excluding entire industry
                                                                                         sectors, and underperform versus their unscreened
PM          38 ROI: The Investments in Your Firm that                                    counterparts. This session will share an institutional
               Pay Off BMO                                                               approach to environmental investing that avoids
            Angie Herbers, Founder/Senior Consultant, Angie Herbers Inc.,                subjectivity while employing sophisticated quantitative
            Manhattan, KS                                                                environmental screens on 4,000 companies worldwide.
            Throughout the growth of a small business, owner(s) have
            financial decisions to make. Should I invest in new software?
                                                                             WM          42 Ten Blunders to Avoid During the Divorce
            Should I implement a new client service program? Is it time
                                                                                            Process SKA
            to hire the next person? These decisions can be hard, and
                                                                                         Steve Goldfeder, Attorney, Partner, Blank Rome LLP,
            if done at the wrong time, costly. This session will explore
                                                                                         New York, NY
            the timing and cost of investing in your business to get
                                                                                         This session will discuss improper advice often given to
            the best bang for your buck.
                                                                                         litigants going through the divorce process and issues to
                                                                                         avoid. It will involve strategic aspects of advice given to
RE          39 Trends in Long-Term Care Planning SKA                                     clients during and after the divorce process with respect to
           Lisa McAree, CLU, LTCP, President, The McAree Company,                        financial planning, tax planning and the division of marital
           Braintree, MA                                                                 assets. It will include discussion about specific cases and
           This session, led by a long-term care expert, will provide                    how to give the client the best advice possible to guide
           strategies to help your clients plan for long-term care                       them through what is often the most emotionally wrenching
           and demystify the changes going on in the LTC market.                         time of their lives.
           Takeaways from this presentation include:
             Gaining insight into industry trends
             Learning about current products, including linked
             benefit products




                                                                             “
             Determining when it is appropriate to recommend
             LTC insurance
             Finding tax leveraged premium dollars                                    This was the best PFP conference that
3:40 pm - 4:10 pm Networking Break in Exhibit Hall                                     I have attended in the past 10 years!



                                                                                                                                    ”
                                                                                            Forward thinking topics to
                                                                                                benefit our Division.

                                                                                          Robert Obertstein, RSO Advisors, LLP,




12                                                   Register by 12/2/11 SAVE $75
7:00 am - 7:50 am Early Riser Sessions                                            8:00 am - 8:10 am Welcome Announcements
PM          43 What Your E&O Covers and Does Not BMO                                         Michael Goodman, CPA/PFS, Conference Chair
Select      Norman Berk, CPA/PFS, CFP, Professional Asset                         8:10 am - 9:00 am Keynote Session
One         Strategies, LLC, Birmingham, AL                                                45 An Insider’s View from Washington E
(continued) Tom Giachetti, Attorney, Stark & Stark, Princeton, NJ                              Greg Valliere, Chief Political Strategist, Potomac Research
            You made the decision to purchase E&O insurance.                                   Group, Washington, D.C.
            Performing due diligence, you vetted numerous insurance
            companies and finally selected the insurance company,                                  Greg has advised institutional investors about how
            policy, coverages, and premiums with which you were                                    developments inside the Beltway affect financial
            comfortable. As a personal financial planner you understand                            markets for more than 30 years. He offers nonpartisan
            risk management. After all, you are a competent professional.                          analysis of politics and economic policy, with an
            You’re protected, right? Maybe not. Probably not as covered                            emphasis on the efforts by Congress and the White
            as you think. This panel consists of an attorney, who handles                          House to shape tax and spending policies.
            many E&O matters, and a CPA/PFS who is also an attorney
            – and who thought he had the coverages, but was surprised,                       Political expert Greg Valliere shares his views on whether
            disappointed and chagrined to learn that his insurance                           current fiscal and monetary policies are sufficient to get the
            didn’t cover him when a high level employee stole money                          economy growing again. Hear first-hand how the Obama
            from client accounts. In this session you will learn:                            Administration’s economic policies might affect your clients
               What your E&O policy covers                                                   and your business. He will focus on potential tax and
                                                                                             regulatory changes, and will look at the 2012 elections
               More importantly, what it doesn’t cover                                       and how they might impact investors.
               What you should know about policy selection                        9:00 am - 9:15 am Networking Break
               How best to protect yourself                                       9:15 am - 10:30 am Concurrent Sessions
               What you can’t protect yourself from                               PM           46 Decoding the AICPA Code of Professional
               The impact on business and professional relationships              Select          Conduct: A Pragmatist’s Guide to Being a
               (custodians and broker dealers) when confronted with               One             Fiduciary SKA
               an uninsured claim                                                              Blaine Aikin, AIF®, CFA, CFP®, CEO, Fiduciary360, Pittsburgh, PA
               The devastation to a business, reputation, and personal                         The AICPA Code of Professional Conduct is steeped in
               health from an uninsured or underinsured claim                                  fiduciary principles. Using practical examples, Blaine will
                                                                                               illustrate how advisors can apply fiduciary processes to
               The toll on family and loved ones resulting from fighting                       conform to the Code and the law, operate a strong
               through the maze of complications, misinformation, and                          business model, and exceed client expectations.
               unrealized expectations for your insurance coverage
                                                                                  WM           47 A Layperson’s Guide to Understanding
RE          44 Challenges/Choices of Aging Seniors SKA                                            Will and Trust Drafting SKA
            JoAnn Thibault, CEO, Founder, The Elder Insider, LLC,                              Daniel Rubin, J.D., LL.M., Partner, Moses & Singer LLP,
            Bradford, MA                                                                       New York, NY
            Understanding the challenges facing our seniors regarding                          From “per capita” to “per stirpes” to “by right of
            aging in place and the alternatives.                                               representation,” estate planning documents often seem
              Aging in place: The choices/the cost                                             as though they have been intentionally drafted to be
              Alternative housing: The choices/the cost                                        incomprehensible to non-lawyers. Is there a method to
              How to choose? Cost comparison; making the best                                  this madness, or are estate planning lawyers protecting
              choice for your client                                                           their turf by making your clients’ documents intentionally
              Effective communication with your client regarding fears                         unclear? This session will present alternative ways in which
              of giving up independence and understanding their fears                          common estate planning concepts are drafted, and will
                                                                                               attempt to explain the sometimes imperceptible, but
              Assisting your client with the best option choices                               often highly important, distinctions inherent in the way
              based on their interests, needs and finances                                     estate planning documents read.




                                                                      Experience the Aria!
                                                        Make your reservations today by calling 866.359.7757
                                                        and mention you are attending the AICPA Advanced
                                                              Personal Financial Planning Conference.
                                                            Hotel reservation cut-off date: 12/13/2011
                           Note: this conference is expected to sell out, so please make hotel arrangements as soon as possible.




                                                                     | cpa2biz.com | 888.777.7077                                                             13
Conference Agenda / Wednesday, January 18
9:15 am - 10:30 am Concurrent Sessions                                             10:40 am - 11:55 am Concurrent Sessions
WM             48 Analyzing Opportunity in Today’s Commercial                      WM          51 Interactivity in Financial Planning SKA
Select            Real Estate Market SKA                                           Select      David Lazenby, Ph.D., Licensed Psychologist, President,
One         Keith Hall, Executive Vice President, KBS Capital Advisors,            One         ScenarioNow, St. Louis, MO
(continued) Newport Beach, CA                                                      (continued) 21st Century Psychology Meets Planning: Financial Planning
               Scott Sprinkle, CPA/PFS, CFP®, Sprinkle Financial                               3.0™ dissects and exposes the client planning experience.
               Consultants, LLC, Littleton, CO                                                 Consumers consistently view conventional planning like a
               Since the recent recession, we have witnessed a unique                          hodge-podge of a doctor’s visit + math class + marriage
               convergence of macroeconomic conditions within the                              therapy which often results in Planning Avoidance
               commercial real estate market. The combination of a systemic                    Syndrome™. Psychologist Dr. David Lazenby will explore
               market correction, nationwide credit crunch, unprecedented                      how traditional planning beliefs, practices, and tools
               foreclosures and hundreds of bank closings now presents an                      contribute to, rather than resolve, the pain with planning.
               opportunity for well-capitalized buyers (and their shareholders)                Decision theatre = VIP approach + serious game design:
               to purchase distressed assets from distressed sellers at                        Explore how to visually “rehearse possibilities” using
               potentially advantageous prices. Simultaneously, there is a                     technology in front of clients. Learn how to implement a
               “flight to quality” phenomenon supporting the values of                         robust “learning & feedback system” that yields a naturally
               certain institutional-grade properties in some markets.                         comfortable “decision support” environment. The collaborative
               Keith Hall will discuss how leading investors identify and                      advantage: Start achieving game-changing benefits for
               capitalize on these opportunities in an increasingly dynamic                    clients while:
               real estate landscape.                                                            Producing a compelling story for internal CPA introductions
                                                                                                 Increasing the likelihood that strategies get implemented
RE             49 “Who’s on First, What’s on Second”:                                            Taking the focus of meetings off investment returns
                  Using Annuities in Retirement Planning SKA
           Tom Tillery, CFP®, CLU, ChFC, LUTCF, CRPC®, Vice President/                           Connecting the value of planning with gratifying experiences
           Chief Compliance Officer, Paraklete Financial, Inc.®, Kennesaw, GA                     Creating motivational incentives for clients to seek out
           In any discussion of annuities, confusion abounds. On the                             your advice
           one hand they are much maligned; on the other, they are                             This reality-based presentation uses findings from
           embraced. As a result of enormous regulatory, economic,                             over 15 years of applied research, including 100+ disciplined
           and product design changes, consumers are dazed and                                 observations of CPA financial planner-client meetings.
           confused, perhaps losing sight of the ball with all the chaos
           on the field. Topics to be addressed include:                           IM          52 Investment Compliance SKA
             The need for an annuity                 Types of annuities                        Tom Giachetti, Attorney, Stark & Stark, Princeton, NJ
             Advanced planning concepts with annuities                                         This session will address various practice protection
10:40 am - 11:55 am Concurrent Sessions                                                        and regulatory issues applicable to investment advisers,
IM             50 Why Tax Management Is so Important                                           including registration and filing requirements, Dodd-Frank
                  for Investments T                                                            changes, how to successfully prepare for and complete
Select
One            Dean A. Mioli, CPA/PFS, CFP®, CIMA®, CLU, Director                              a regulatory examination, and how to avoid client and
               of Investment Planning, SEI Investments, Oaks, PA                               regulatory complaints.
               Investment taxation is our client’s largest single expense.
               Learn how your clients can keep more of what they earn.             RE          53 Rummaging in the Retirement Ragbag SKA
                 Review and analyze investment structures to minimize taxation              James Shambo, CPA/PFS, President, Lifetime Planning
                 Mutual funds versus unified managed accounts: how to                       Concepts, Inc., Colorado Springs, CO
                 deal effectively with investment manager transitions                       Ragbag – a bag of scraps; a miscellaneous collection.
                                                                                            This session delves into Jim’s ragbag of retirement ideas
                 After tax performance attribution – this is what really counts!            from1980 to today. Created in the rarefied Colorado air,
                                                                                            this is a collection of ideas, tips and strategies presented in
                                                                                            dozens of Jim’s seminars over the last 30 years. This is not a
                                                                                            rehash of old ideas but fresh new looks at critical retirement
                                                                                            issues. If it touches the retirement zone, it’s in this collection.
                                                                                            Drawdown strategies include:
         The AICPA Advanced Personal Financial Planning Conference                            Life insurance disasters
         social media community serves as an additional tool to continue
                                                                                              Addressing longevity
         the dialogue that started onsite at the conference!
                                                                                              Tail risk - what tail, what risk?
                                                                                              Inflation and personal consumption, and more
                                   go to: http://bit.ly//PFPConf                            After this session, you should know if:
                                                                                              Your boots are in the water
                                                                                              Which tail you should wag
                                                                                              What’s personal about spending
                                  Join the Advanced Personal Financial
                                  Planning Conference community at:
                                                                                   11:55 am Conference Adjourns
                                  http://bit.ly/PFPconf




14                                                           Register by 12/2/11 SAVE $75
                                 PFS Exam Review Class
                         Sunday, January 15 / Monday January 16
                                                    Presenters for this Review Course will be:
                                Thomas N. Tillery, MA Ed, MS Financial Services CFP®, ChFC, CLU, LUTCF, CRPC®,
                                 Vice President/Chief Compliance Officer, Paraklete Financial, Inc.®, Kennesaw, GA
               Kevin F. Roach, CPA/PFS, Executive Professor, Mays Business School at Texas A&M University, College Station, TX
                                  Dirk Edward, CPA/PFS, J.D., MBA, Edwards Consulting, LLC, Lake Oswego, OR

                        FIELDS OF STUDY                    SKA-Specialized Knowledge & Application                T-Tax

REVIEW CLASS SUNDAY, JANUARY 15 / DAY ONE                                      6:45 pm - 8:00 pm
                                                                                            Welcome Reception
7:15 am - 8:30 am Continental Breakfast                                                     Celebrating 25 Years of the PFS Credential
7:30 am - 9:30 am
         1 Income Tax Planning T                                               REVIEW CLASS MONDAY, JANUARY 16 / DAY TWO
           This session examines the federal income tax system
                                                                               7:00 am - 8:00 am Continental Breakfast in Exhibit Hall
           with particular reference to the taxation of individuals
                                                                               7:30 am - 9:25 am
           and businesses. Participants will also be provided with
                                                                                        8 PFP Process & Professional Responsibilities AP
           an in-depth review of the various tax-related aspects of
                                                                                          This is an introduction session to the personal financial
           investments, life insurance, annuities and securities.
                                                                                          planning process. It reviews methods of gathering
9:35 am - 10:35 am                                                                        client data and instructs participants on how to work with
         2 Estate & Charitable Planning T                                                 clients to set goals. Participants will learn how to process
           This session addresses gift, estate, and generation-                           and analyze information, construct personal financial
           skipping transfer taxes at both the state and federal levels.                  statements, and understand a written comprehensive
           Charitable planning is explored as well, with a review                         financial plan. Additionally, they will review fiduciary
           of various vehicles and trust which have been created:                         practices, AICPA’s Professional Standards and the role
           lead trusts, remainder trusts, pooled income funds, private                    of the CPA/PFS as a trusted personal advisor.
           foundations and charitable gift annuities. Non-tax aspects          9:30 am - 10:50 am
           of estate planning, including the estate planning process,                   9 Insurance Planning SKA
           wills, trusts, durable powers of attorney, powers of                           This session addresses risk management. Various insurance
           appointment, and probate procedure are also studied.                           products will be reviewed, including life, disability, and
10:50 am - 12:20 pm                                                                       medical insurance, as well as the types of contracts available;
        3 Estate & Charitable Planning (continuation of #2) T                             and how insurance is used in financial planning to manage
12:20 pm - 1:20 pm Networking Lunch – Courtesy of                                         risk. Participants will also learn about the many types of
                        BNY Mellon Wealth Management                                      property and casualty insurance, including homeowners,
1:20 pm - 1:50 pm                                                                         liability, and auto insurance.
        4 Estate & Charitable Planning (continuation of #2) T                  10:50 am - 11:15 am Refreshment Break in Exhibit Hall
1:50 pm - 3:05 pm                                                              11:15 am - 12:05 pm
         5 Retirement Planning & Employee Benefits T                                   10 Insurance Planning (continuation of #9) SKA
           This session will enable practitioners to plan, implement and       12:05 pm - 1:00 pm Networking Lunch
           monitor individual and business-sponsored retirement plans.         1:00 pm - 1:50 pm
           It provides instruction on how to perform retirement needs                 11 Insurance Planning (continuation of #9) SKA
           analysis, what regulatory issues surround retirement planning       1:50 pm - 3:40 pm
           and benefits, and what tax issues come into play. This session              12 Investment Planning SKA
           is divided into two sections. The retirement planning section                  This session explores the securities markets, sources of
           covers tax-deferred retirement plans, IRAs, and non-qualified                  information, risk/return, debt and equities, stocks, bonds,
           plans. The employee benefits section covers Social Security                    options, futures, and security analysis. It will increase basic
           programs, civil service group life, disability, dental, and                    knowledge as to how money and capital markets operate,
           health insurance.                                                              how to conduct investment and financial research, and how
3:05 pm - 3:20 pm Refreshment Break                                                       to evaluate the risks and rates of return for various types of
3:20 pm - 5:05 pm                                                                         investment vehicles.
         6 Retirement Planning & Employee Benefits                              3:40 pm - 4:10 pm Refreshment Break in Exhibit Hall
           (continuation of #5) T                                              4:10 pm - 5:20 pm
5:05 pm - 5:15 pm Stretch Break                                                       13 Investment Planning (continuation of #12) SKA
5:15 pm - 6:45 pm                                                              5:20 pm - 5:30 pm
         7 Financial Calculator Applications SKA                                       Wrap Up SKA
            This session provides comprehensive instruction in the                        Plan your steps ahead and answer any final,
            basic use of the financial calculator and its application                     lingering questions.
            in comprehensive financial planning. Specific financial
                                                                               5:30 pm - 6:30 pm Networking Reception
            planning applications addressed in this session include
            amortization; life needs analysis; funding for future purchases;
            education needs analysis; retirement needs analysis; long term
            care needs analysis; and holding period return and other than
            annual compounding. Upon completion participants will be
            able to solve for: net present value (NPV), internal rate of
            return (IRR), uneven cash flow and serial payments.


                                                                      | cpa2biz.com | 888.777.7077                                                       15
       Implementing PFP Services: Step-by-Step Plans for Success
             Sunday, January 15 / Monday, January 16
      FIELDS              AP-Administrative Practice            BMO-Business Management & Organization               CS-Computer Science
     OF STUDY             E-Economics                           SKA-Specialized Knowledge & Application              T-Tax

 PFP SERVICES SUNDAY, JANUARY 15 / DAY ONE                                    1:50 pm - 3:05 pm
                                                                                       5 Technology Topics for PFP CS
8:00 am - 8:30 am Continental Breakfast                                                  Joel P. Bruckenstein, CFP®, Publisher, Technology Tools for
8:30 am - 9:20 am                                                                        Today (T3), Miramar, FL
         1 Setting the Stage: An Overview of Business                                      Core technology offerings to consider (FP software,
           Models BMO                                                                      CRM, portfolio management, etc.)
           Lyle Benson, CPA/PFS, CFP®, President, L.K. Benson & Company,
                                                                                           Cutting edge topics on the horizon (cloud computing,
           Baltimore, MD
                                                                                           tablet PCs, android, etc.)
           There are a multitude of personal financial planning business
           models you can implement. The one you choose is what works         3:05 pm - 3:20 pm Refreshment Break
           best for you, your practice and your clients. A panel of           3:20 pm - 4:35 pm
           successful CPAs in the most common business models will                     6 Practical Approach to Client Meetings SKA
           share the nuts and bolts of how they have built their practice                Deborah S. Fox, Financial Planner, Founder, Fox Financial
           to provide the highest value for their clients while also                     Planning Network , San Diego, CA
           running a successful business.                                                  Data gathering process and how to glean what your
                                                                                           clients goals are
9:20 am - 10:35 am
         2 How to Get Started BMO                                                          Educating your client about investing, including market
           Deborah S. Fox, Financial Planner, Founder, Fox Financial                       cycles, managing emotions, risk tolerance and
           Planning Network, San Diego, CA                                                 asset allocation
             How to articulate the value of financial planning to your                     How to model financial independence planning and how
             current clients and prospects so they engage in these services                to use Monte Carlo analysis so it doesn’t mislead your
             How to price your services appropriately                                      clients; how to plan when your client still has some years
                                                                                           to accumulate funds; how to plan when your client is in
             How to determine what your ideal practice and client
                                                                                           the distribution phase to achieve income for life
             will look like
                                                                                           Insurance analysis: planning techniques for understanding,
             Delegation of duties among you and your staff, and
                                                                                           analyzing and explaining life, disability, health, property
             determination of whether you keep services in-house
                                                                                           & casualty and long-term care insurance policies; how to
             or outsource
                                                                                           analyze the legal language for each line of coverage
             Tools and technology for a streamlined workflow                               so you can make sure your clients have the best
             process and paperless office                                                  protection possible
10:35 am - 10:50 am Refreshment Break                                                      Estate planning: how to analyze the estate plan that is
10:50 am - 12:20 pm                                                                        most appropriate for your client
         3 Regulatory & Compliance Issues BMO
                                                                                           Wrapping up the planning, including what deliverables
           Ellen M. Bruno, CPA/PFS, President, Compliance Advisor
                                                                                           to provide your clients and setting up a game plan to
           Professionals, LLC, Berkley, MA
                                                                                           ensure they take action on implementing the plan;
           Do I need to register?
                                                                                           showing your client the value that has been brought
             IA 1092-Investment Advisers Act Release (1987)                                to their lives by putting this plan together
             What is the test for giving advice under 1092?                   4:35 pm - 5:25 pm
             CPA’s Guide to Investment Adviser Registration (AICPA, 2009)              7 Wrap Up & Next Steps: What to Expect on
           How do I register?                                                            Day 2 AP
             Determine your regulator: state or SEC, determined by AUM                   Lyle Benson, CPA/PFS, CFP®, President, L.K. Benson &
                                                                                         Company, Baltimore, MD
           Do it myself or outsource?
                                                                              5:30 pm - 6:45 pm
           Ongoing compliance requirements                                          103 AICPA Town Hall Meeting: Current Ideas
           Hot Topics                                                                   Exchange SKA
             Social media                         Advertising                            PFP & PFS Committees
             The “switch” from SEC to state registration required                        Kick off the conference by interacting with fellow attendees
             if AUM is under $100M                                                       and speakers to discuss current events, issues and
                                                                                         developments in personal financial planning. This session
             Custody
                                                                                         offers a unique opportunity to network and exchange ideas
12:20 pm - 1:20 pm Networking Lunch – courtesy of                                        with peers, members of the committees that run financial
                     BNY Mellon Wealth Management                                        planning at the AICPA, as well as staff. The open forum
1:20 pm - 1:50 pm                                                                        lets attendees share feedback with the AICPA, and have
         4 Questions Related to Regulatory & Compliance                                  a voice in future benefits and initiatives.
           Issues BMO
                                                                              6:45 pm - 8:00 pm
            Ellen M. Bruno, CPA/PFS, President, Compliance Advisor
            Professionals, LLC, Berkley, MA                                               Welcome Reception
            Take this opportunity to clarify topics from the previous                     Celebrating 25 Years of the PFS Credential
            session, engage in group discussions and have your
            questions answered.




16                                                    Register by 12/2/11 SAVE $75
PFP SERVICES MONDAY, JANUARY 16 / DAY TWO                                       1:00 pm - 2:15 pm
                                                                                Select      Specializes in Retirement Planning While Providing
7:00 am - 8:00 am Continental Breakfast in Exhibit Hall                         One
8:00 am - 8:10 am Welcome Announcements
                                                                                            Full Scope Tax, Financial Planning & Investment
                                                                                (continued) Advisory Services – Fee-Based Compensation
           Michael Goodman, CPA/PFS, Conference Chair
                                                                                            Jimmy Williams, CPA/PFS, MTAX, Compass Capital
8:10 am - 9:25 am Keynote Presentation
                                                                                            Management, LLC, McAlester, OK
         8 America the Bountiful: The Case for Growth in
                                                                                            Jimmy runs a traditional CPA firm with a full scope of tax
           2011-2012 E
                                                                                            and PFP services. Based on client circumstances, he charges
            Ron Insana, CNBC Senior Analyst & Commentator, New York, NY
                                                                                            a mix of hourly, retainer, assets under management fees
            While many analysts are pessimistic about America’s
                                                                                            and commissions.
            prospects for solid economic growth over the next few
            years, trusted financial industry analyst Ron Insana makes a                   Experience Providing PFP Services in Multiple Firms –
            persuasive case that there is no place like home. As Europe                    Focused on Investment Management and Financial
            deals with the sovereign debt crisis shaking the Euro Zone                     Planning – Fee-Only Compensation
            to its core, China manages looming inflationary worries,                        Theodore Sarenski, CPA/PFS, CFP®, AEP, President/CEO,
            and the once-hot emerging markets have seemed to cool                           Blue Ocean Strategic Capital, LLC, Syracuse, NY
            off, Americans have increased reason to be optimistic that                      Ted got a taste for providing PFP services in a larger CPA
            the economy will grow far beyond our current expectations.                      firm and is now on his own. He provides financial planning
            Insana reads all of the signs – from the recent retail sales                    services and manages assets. His compensation model is a
            surge to record corporate profits to the hard choices that                      mix of hourly, retainer and assets under management fees.
            politicians must make to shore up our overstretched national                   Family Office/High Net-Worth Client Model Providing
            balance sheet – to help attendees understand how and                           Tax, Financial Planning & Investment Advisory
            why the U.S. will outpace the world in terms of growth and                     Services – Fee-Only Compensation
            finally solve the fiscal and regulatory problems for which the                  Scott Sprinkle, CPA/PFS, CFP®, Sprinkle Financial
            country has been severely criticized. Without ignoring the                      Consultants, LLC , Littleton, CO
            other global growth stories that will advance the markets                       Scott runs a multi-family office for high wealth clients he
            in the near future, Insana helps investors, businesses and                      provides similar services for High Net-Worth executives,
            organizations understand the way forward.                                       individuals and closely-held businesses. The services are
                                                                                            offered through a traditional CPA firm and/or a registered
9:30 am - 10:45 am                                                                          investment advisory firm. It offers a full scope of investment,
         9 Estate Planning Update T                                                         tax and financial planning services and charges a mix of
           Robert Keebler, CPA, MST, AEP, Partner, Keebler & Associates                     hourly, retainer and/or assets under management fees.
           LLP, Green Bay, WI                                                              Tax Services and Segmented Financial Planning –
           The last two years have been very interesting from an estate                    Evolving into Providing Comprehensive Financial
           planning perspective. In this session, Bob will address key                     Planning – Hourly Fees
           changes in the estate, gift tax and GST tax law. Additionally,                   Jerry Love, CPA/PFS, Jerry Love CPA, LLC, Abilene, TX
           he will cover estate planning opportunities before the sunset                    Jerry has been providing financial planning to his tax clients
           of the estate, gift tax and GST tax law in 2013.                                 for decades. He is in process of formalizing these services
                                                                                            within his firm via hourly and retainer fees.
10:45 am - 11:15 am Refreshment Break
11:15 pm - 12:05 pm
                                                                                           Fee-Only Comprehensive Financial Planning Without
         10 PFP Business Models: True Stories from                                         Asset Management or Product Placement – Primarily
            Successful CPAs AP                                                             Retainer Fees
                                                                                           Susan M. Tillery, CPA/PFS, CFP®, President & CEO, Paraklete
           This session will provide a panel overview, introducing
                                                                                           Financial, Inc., Kennesaw, GA
           the experts and the business model that has been most
                                                                                           Susan leads a comprehensive financial planning practice,
           profitable for each. Learn about all of the options you have
                                                                                           with assets under advisement and a compensation model
           in building and growing your personal financial planning
                                                                                           that is retainer/hourly fee. A key component of Susan’s
           practice from six successful CPAs. The panelists will discuss
                                                                                           practice is coordinating all of the client’s advisors.
           the benefits, challenges and best practices associated with
           each model – helping you to identify the best structure for          2:25 pm - 3:40 pm
           your practice and clients. Choose afternoon roundtable               Select 12 Business Models Roundtables (repeat of #11) AP
                                                                                One         Choose a different roundtable from session 11.
           sessions for more in-depth discussions, giving you a chance
           to talk directly with CPAs who have experienced the                  3:40 pm - 4:10 pm Refreshment Break
           professions trials and tribulations and developed                    4:10 pm - 5:30 pm
           successful practices.                                                           13 Next Steps: Practical Advice from the Panel SKA
12:05 pm - 1:00 pm Networking Lunch                                                        Panel of Experts
                                                                                           This final session will offer tailored and practical advice
1:00 pm - 2:15 pm Business Model Roundtables AP
                                                                                           from the panel of experts. The discussion is designed to
Select      11 Full Scope of Financial Planning and Tax Services
One                                                                                        help you in taking the next steps based on what you have
            with Oversight of Investment Managers & Portfolios –
                                                                                           learned over the past 2 days. What are the best practices?
            Primarily Retainer and Hourly Fees
                                                                                           How do you identify and overcome likely challenges? Topics
            Lyle Benson, CPA/PFS, CFP®, President, L.K. Benson &
                                                                                           of discussion will also include: resources and tools integral
            Company, Baltimore, MD
                                                                                           to success, specialized education, effective marketing,
            Lyle runs his practice as a multi-family office, offering
                                                                                           networking and other elements key to the ultimate success
            traditional tax services as well as a full scope of financial
                                                                                           of your personal financial planning practice.
            planning. He oversees clients’ investment portfolios and
            his compensation model is retainer/hourly fee.                      5:30 pm - 6:30 pm Networking Reception




                                                                        | cpa2biz.com | 888.777.7077                                                     17
 Steering Committee
 Chair        Michael E. Goodman, CPA/PFS, Wealthstream Advisors, Inc., New York, NY

 Members      Clark Blackman II, CPA/PFS, Alpha Wealth Strategies, LLC,      Nadine Lee, CPA/PFS, Prosper Advisors, Armonk, NY
              Kingwood, TX
                                                                             Larry McKoy, CPA/PFS, Dixon, Hughes, Goodman LLP,
              Mitchell Freedman, CPA/PFS, MFAC Financial Advisors, Inc.      Glen Allen, VA
              and M. Freedman & Co., Inc., An Accountancy Corporation
              Westlake Village, CA                                           Marc Minker, CPA/PFS, CBIZ MHM, LLC, New York, NY

              Beth Gamel, CPA/PFS, Pillar Financial Advisors, Waltham, MA    Scott Sprinkle, CPA/PFS, Sprinkle Financial Consultants, LLC,
                                                                             Littleton, CO
              Michael Kitces, Publisher, Director of Research, Kitces.com,
              Pinnacle Advisory Group, Columbia, MD

 AICPA        Melinda Arndt, Conference Manager, Durham, NC                  Andrea Millar, CPA/PFS, Senior Technical Manager,
 Staff        Tracey Kenney, Project Manager, Durham, NC
                                                                             Personal Financial Planning, Durham, NC

                                                                             Andrew Slatter, Conference Coordinator, Durham, NC




         AICPA Conference on Tax Strategies for the High-Income Individual

                   This unique learning experience features an all-star cast of prominent tax experts who share
                their insights and the latest information on current tax issues that impact your high-income clients.
                                            For more details, log onto cpa2biz.com/tax


                           AICPA Advanced Estate Planning Conference

                  This premier event delivers the top-notch, hands-on training and up-to-the minute information
          practitioners have come to expect. Interactive sessions, classroom discussions and case studies are structured
                to provide advanced material with in-depth coverage on all the issues that impact estate planning.
                                         For more details, log onto cpa2biz.com/estate




                                                  VIRTUAL BROADCAST




18                                              Register by 12/2/11 SAVE $75
4 WAYS TO           ONLINE*:
                    MAIL:
                                                                                                                  FAX*: 1.800.362.5066 or 1.919.419.4795

REGISTER                                        ®             ®               ®         ®             ®       ®
                                                                  , Diners Club , Discover , MasterCard or VISA
FAST
RECOMMENDED CPE CREDIT 23 (main), up to 5 (optional), PFS Exam Review 21, PFP Services 19
Virtual Sessions Monday only 6, Tuesday only 8.5, Wednesday only 4, Monday-Wednesday 18.5
This conference was prepared in accordance with the Joint AICPA/NASBA Statement on Standards for Continuing Professional Education
(CPE) Programs effective on January 1, 2002. The recommended CPE Credits are in accordance with these standards; however, your
individual state board is the final authority on the acceptance of programs for CPE credit.
CONFERENCE FEE
Registration fees are determined by current membership status in the AICPA. Please indicate member number on the registration form
to obtain the correct discount. Conference fee includes all sessions, conference materials, continental breakfasts, refreshment breaks,
luncheons and a reception. Fee for value-added workshops includes all session materials and refreshment breaks.

GROUP REGISTRATION
Registration for 2 or more individuals at the same time may qualify for group discounts; additional savings may be available for groups
of 10 or more. For more information please call the AICPA Service Center at 888.777.7077 (9AM-6PM ET). Program Code: PFP12

DRESS CODE Business Casual
CANCELLATION POLICY
You may cancel without penalty if written cancellation requests are received by December 2, 2011. Due to financial obligations incurred by
the AICPA, a credit voucher less 50% of the registration fee will be issued for written requests received by December 26, 2011. No refunds
or credits will be issued on cancellation requests received on or after December 27, 2011. For further information, call the AICPA Service
Center at 888.777.7077.
HOTEL AND GROUND TRANSPORTATION INFORMATION
Contact the hotel directly to obtain their policy on reservations, deposits and cancellations. Rooms will be assigned on a space-available
basis only. To receive our special group rates mention you will be attending the AICPA Advanced Personal Financial Planning Conference.
ARIA Resort and Casino                Hotel Phone: 866.359.7111
3730 Las Vegas Blvd.                  Hotel Reservations: 866.359.7757
Las Vegas, NV 89109                   Hotel Room Rate: $179 single/double
                                      Hotel Reservation Cutoff Date: December 13, 2011
Note: this conference is expected to sell out, so please make hotel arrangements as soon as possible.
                         – to and from the hotel/airport (rates and times are approximate)
              $15-20 each way, 30 minutes                   Valet and self parking are complimentary
AIRLINE INFORMATION
The AICPA has a special arrangement with Maupin Travel, Inc. of North Carolina to assist you with your travel arrangements. This travel
agency may be reached at 800.345.5540. If you prefer to make your own travel plans, be sure to mention the participating airline’s
reference number (listed below) to take advantage of deeply discounted “Zone Fares” that do not require a Saturday night stay-over.
Discounts are valid for round trip registered AICPA meetings or conferences only. Some restrictions may apply.
American Airlines                       800.433.1790                 Index #21445
United Airlines                         800.521.4041                 Refer to Meeting ID #531SI
Delta Airlines                          800.328.1111                 Refer to Meeting ID #NM7FW
For up-to-date airline information regarding special travel discounts, please visit cpa2biz.com/conferences. Due to recent airline industry
fare restructuring, we cannot guarantee that the above group travel agreements will be in effect at the time when you are making your
travel arrangements. Please contact the airline and/or your travel agency for latest applicable discounts and arrangements.
CAR RENTAL
Hertz Car Rental – AICPA Member Discounts: Call 800.654.2240. Ref. Code CV#021H0018. Airline and car rental discounts are available
only when you or your travel agent book through the 800 number. We strongly advise you to confirm your conference registration and
hotel reservation prior to making your travel plans.
EXHIBIT AND SPONSORSHIP OPPORTUNITIES
Don’t miss the opportunity to present and sell your organization’s services and products to thousands of CPAs and financial professionals
at AICPA conferences. For detailed information on conference exhibit and sponsorship opportunities, please send your email to
exhibit@aicpa.org.




                                                              | cpa2biz.com | 888.777.7077                                                                 19
                                                                           Register by 12/2/11 SAVE $75                                                                                                   PRSRT-STD
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                                                                              Celebrating the 25th Anniversary of the PFS Credential

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                                                                      JOIN THE NETWORK...
                      Grow your social networking experience – before, during and after the conference – by joining the AICPA
Advanced Personal Financial Planning Conference community at:
                                                                                                                     http://bit.ly/AICPAPFPconf                   http://bit.ly//PFPConf                 use #AICPAPFPconf


  MEMBERSHIP/REGISTRATION INFORMATION                                      CONFERENCE FEES Please circle appropriate rate.                        PFS/PFP/                   AICPA                  Non-
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                                                                             ADVANCED PERSONAL FINANCIAL PLANNING CONFERENCE JANUARY 16-18- LAS VEGAS, NV (PFP12)
  AICPA MEMBER NO.                                                             Early Bird Registration SAVE $75 by 12/2/11                            $850                      $950               $1,250
                                                                               Regular Registration                                                   $925                     $1,025              $1,325

  NICKNAME FOR BADGE                         BUSINESS TELEPHONE              PRE-CONFERENCE WORKSHOPS - SUNDAY, JANUARY 15 (additional fee)
                                                                            1:30 pm - 5:25 pm (select one)
  TITLE                                                                        101 Marketing Techniques that Produce Results              $275                                     $275                $275
                                                                               102 Making the Media Your Financial Planning Partner (complimentary)
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