2020 NAPFA Fall Conference

AdvisorServe - Objective Insurance Resources for the Fee-Only Advisor

The Alliance of Comprehensive Planners (ACP) is a dynamic community of comprehensive, fee-only financial advisors committed to working in their clients’ best interests. ACP members are innovators in retainer-based, tax-focused, comprehensive financial planning. Whether you are building a new practice or transforming an existing one, our proven model—the ACP System™—enables you to be a more effective financial planner and a more successful business owner.

Allianz Life Insurance Company of North America, one of FORTUNE’s 100 Best Companies to Work For® in 2018, has been keeping its promises since 1896. Today, it carries on that tradition, helping Americans achieve their retirement income and protection goals with a variety of annuities and life insurance products. In 2017, Allianz Life provided a total of $2.7 billion in benefit payments that supported policyholders’ financial objectives. As a leading provider of fixed index annuities, Allianz Life is part of Allianz SE, a global leader in the financial services industry with 142,000 employees in more than 70 countries worldwide. More than 85 million private and corporate customers rely on Allianz knowledge, global reach, and capital strength to help them make the most of financial opportunities.

Pulse by AssetBook, contains new enhanced features for portfolio monitoring and reporting. Built on an open API, Pulse seamlessly integrates as an additional technology component for financial advisors looking to take control of their tech stack and have access to the most robust pure-play portfolio reporting platform in the market. Pulse by Assetbook helps advisors monitor and understand their key business metrics such as AUM, fee revenue over time, and monitor their top investment holdings and global allocation all from one intuitive dashboard. As a result, advisors are able to seamlessly grow their business with data readily available at their fingertips.

Pulse by AssetBook’s features include client servicing and portfolio reporting enhancements, a client portal and document center, client billing and fee automation, cash management monitoring and fee debiting, asset allocation monitoring and compliance, and tax management and planning.

Located in McHenry, MD, AssetBook was founded in 2006 by industry pioneers in portfolio reporting and practice management for advisors in the financial sector. AssetBook was created to be an easy to use, comprehensive web-based portfolio reporting platform for financial advisors of all sizes. For more information about Pulse by AssetBook or to schedule a software demo, please visit www.AssetBook.com.

Avantis Investors was created in 2019 as a fully integrated unit of American Century Investments to deliver value added investment solutions based on financial science. Avantis is led by Chief Investment Officer Eduardo Repetto and Chief Operating Officer Patrick Keating, both former executives of Dimensional Fund Advisors, and our team has decades of experience delivering repeatable and effective systematic investment strategies across asset classes and through different market environments.

Our approach is based on an academic framework supported by company valuations. We systematically assess differences in expected returns among companies using market prices and other company financial information. Our framework is supported by theoretical models and corroborated by historical data. We believe that an integrated view of company valuations along with an approach that tackles anomalies that detract from returns helps provide sound portfolios with a common-sense underpinning, leading to strategies that combine the benefits of indexing with the potential for outperformance.

Through American Century Investments' unique ownership structure, 40% of profits in the form of dividends are directed to The Stowers Institute for Medical Research. Since 2000, payments have totaled $1.6 billion. This means investments with Avantis Investors help support research that can improve human health and save lives.

Since our launch in 2008, Benjamin F. Edwards has organically grown to serve almost 300 advisors with over $26 billion in client assets. We support advisors in the business model of your choice through Edwards Wealth Management, our Registered Investment Advisor (RIA) that supports independent practices, and Benjamin F. Edwards & Co., our full-service broker-dealer. At Edwards, we have the institutional scale you expect for your growing business and the personal touch you deserve through our concierge-level service. Our firm also delivers a best-in-class technology stack, including Salesforce, Orion and MoneyGuidePro, that is fully integrated and customized specifically for financial advisors.

Our RIA, Edwards Wealth Management, is a custody-agnostic enterprise RIA that delivers the comprehensive resources independently-owned advisory firms need to run your business more efficiently and serve your clients more effectively. From financial accounting and business services, marketing and branding, outsourced CIO services, and compliance and risk management, our team is your middle and back-office partner so you can focus on what you do best.

Learn more about Edwards Wealth Management at www.bfewealth.com and our firm at www.benjaminfedwards.com.

Our motto at Cash Flow Mapping is help your clients tell their money where to go instead of asking where it went!

Cash Flow Mapping takes the ebbs and flows of income and expenses and lays them out in a way that is logical and simple to understand. You walk your client through a series of simple screens, filling in various pieces of financial information. At the end you have a simple breakdown of income, long-term savings, fixed and variable expenses, and funds available for variable spending. Within the variable spending, you will help your client find the money necessary to achieve their goals, empower the client to have effective communication with their loved ones, and you become the client’s hero.

Certified Financial Planner Board of Standards, Inc. (CFP Board) is a non-profit certifying and standards-setting organization acting in the public interest by fostering professional standards in personal financial planning through its setting and enforcement of the education, examination, experience, ethics and other requirements for CERTIFIED FINANCIAL PLANNER™ certification. CFP Board owns the CFP® certification marks in the U.S., which it awards to individuals who successfully complete initial and ongoing certification requirements. CFP Board currently authorizes more than 87,000 individuals to use these marks in the U.S.

As part of its mission to benefit the public by granting the CFP® certification and upholding it as the recognized standard of excellence for personal financial planning, CFP Board works to increase access for all to competent and ethical financial planning. Learn more at http://www.CFP.net.

Dimensional Fund Advisors is a leading global investment firm that has been translating academic research into practical investment solutions since 1981. Guided by a strong belief in markets, the firm builds and implements strategies to help clients pursue higher expected returns. An enduring philosophy, strong client commitment, and deep working relationships with the academic community underpin Dimensional’s approach to investing and form the foundation for new strategies. As of June 30, 2020, Dimensional and its affiliates manage $514 billion in USD for investors worldwide.

MoneyGuide is the industry’s leading financial planning software platform. Whether you are an independent advisor or part of a large firm, MoneyGuide scales to meet your needs. Four dynamic configurations make up the MoneyGuide ecosystem - MoneyGuideOne, MoneyGuidePro®, MoneyGuideElite and MyBlocks.

We believe financial professionals need solutions, not obstacles, and that financial conversations are the foundation of a strong business model. This is what continues to drive us to create award-winning software products with the philosophy that everyone needs and deserves a quality financial plan.

This is not just another online profile. FeeOnlyNetwork.com raises the visibility of fee-only financial advisors, individually and collectively, in a systematic and powerful way. A FeeOnlyNetwork.com profile is an advisor’s most comprehensive, connected and influential online page. It enhances their own online footprint and visibility in a way not available through any other marketing service. Every advisor profile (currently +3,200) works together to raise the visibility of a network of information (currently +20,000 web pages) that promotes the fee-only model, and fee-only advisors collectively. In addition, FeeOnlyNetwork.com is among the most visible find-a-planner sites, serving over a half million profile views annually.

Membership in FeeOnlyNetwork.com is exclusively for advisors and firms affiliated with The National Association of Personal Financial Advisors (NAPFA), XY Planning Network, Garrett Planning Network, and The Alliance of Comprehensive Planners.

NAPFA members - Go to FeeOnlyNetwork.com/signup to claim your FREE profile or upgrade to Premium service.

FlexShares® leverages research and investment expertise across disciplines to offer new, insightful solutions designed to address actual investor goals. Each strategy is purposefully matched with a core investment objective: growing assets, managing risk, generating income or managing liquidity.

FlexShares ETFs are engineered from the ground up including collaborating with an index provider to
build the appropriate index that is designed to produce persistent return attributes while emphasizing transparency and cost efficiency in order to deliver alternative index strategies. We intensely focus on identifying and delivering unique insights not already priced into the market. Investors can benefit from our dedication to advancing the science of index design and transparency we deliver through our outcome-oriented ETF solutions for the long-term investor. For more information, please visit www.flexshares.com.

The Garrett Planning Network, founded in 2000, is the leader in helping new and experienced planners build successful Fee-Only, hourly-based RIA firms. Established with the clear mission to make financial planning accessible to all, not just the wealthy, Garrett provides planners with a collaborative community of like-minded peers and a proven business model that includes technology, compliance, marketing and practice management coaching. Garrett also provides a mentor relationship, training materials and templates, a 3 ½-day in-person training program, continuing education, an annual conference and more!

Fee-Only, hourly-based and accessible services are the key marketing differentiators of the Garrett Planning Network. Therefore, our member-advisors must:

• Be Fee-Only.
• Offer financial planning and investment advice on an hourly, as-needed basis (and they may also offer investment management services, in addition to hourly-based services).
• Be accessible (meaning, provide financial advice on an as-needed basis to individuals from all walks of life, without any minimums as to income, assets, net worth, length of engagement or revenues generated).
• Either be a CFP® certificant, a licensed CPA with the Personal Financial Specialist (PFS) credential, or obtain one of those designations within five years from the date of initial RIA registration as a Garrett member.
• Adhere to the Fiduciary Oath.

Invesco is an independent investment management firm dedicated to delivering an investment experience that helps people get more out of life. We are privileged to manage $1,145.2 billion in assets on behalf of clients worldwide (as of June 30, 2020.) Invesco has specialized investment teams managing investments across a comprehensive range of asset classes, investment styles and geographies with more than 8,000 employees focused on client needs across the globe.

Lighthouse Life Solutions, LLC works with financial professionals - including insurance agents, financial advisors, accountants, and others - who advise and assist policyowners with the sale of unwanted, unneeded or unaffordable life insurance policies. Lighthouse Life is focused on educating and assisting financial professionals about the value that life settlements provide to life insurance policyowners and their families. LightHouse Life offers a unique, fast and easy, approach for financial professionals to integrate life settlements into their practice for the benefit of life insurance policyowners.

Lincoln Financial Group delivers sophisticated RIA-specific strategies and products for the creation, protection, and enjoyment of wealth. We are committed to helping clients plan for retirement, prepare for the unexpected and protect their wealth from five key financial challenges: taxes, long-term health costs, longevity, inflation, and market risk.

Rely on Lincoln for the knowledge and experience to help you address these challenges. Lincoln Wealth Protection Expertise combines state-of-the-art solutions, RIA-dedicated support staff, and powerful visualization tools to assist you in protecting client wealth and planning financial outcomes.

LLIS provides fee-only financial advisors and their clients with comprehensive insurance consulting and support services. We're a team of experts in the insurance process – from planning to ongoing service to free policy reviews – for term, long term care, disability, annuities, hybrids, and low load fixed and variable life solutions from highly-rated companies. The introduction of ALLIS, a robust advisor and client relationship management system, continued LLIS's high touch, high tech approach in finding the right insurance solution based on the client's needs and their financial advisor's recommendations. Our team of 20+ members has worked seamlessly during the COVID-19 pandemic in helping clients reach their income security and wealth preservation goals. Today and in decades to come, LLIS will continue to be the advisor's insurance advisor®.

Our mission at MAGA Ltd. for 45 years has been to work hard to make Long Term Care planning easy. MAGA’s 3 principals provide over 100 years of LTCI expertise, offering a range of thoughtful, cutting-edge LTC planning solutions, including Stand-Alone and Hybrid/Asset-Based Life plans. Our experienced team provides attentive customer service, including policy reviews and hands-on claim support. Our clients have collected tens of millions of dollars in LTCI benefits! We are also committed to LTCI education and offer CFP®-Approved CE programs. MAGA is the nation’s most experienced LTC planning specialist and a long-time NAPFA Resource Partner. Licensed nationally. Put our expertise to work for you: call Brian Gordon, Peter Florek, or Murray Gordon at 800-533-6242 or email info@magaltc.com.

my529 is Utah’s official, direct-sold 529 education savings plan. With more than $16 billion in assets under management, my529 is consistently ranked among the nation’s top 529 plans for its low fees and high-quality investment options. For more information about my529 and its financial advisor-friendly features, visit advisor.my529.org or call 888.529.1886.

The Bank of New York Mellon Corporation (BNY Mellon) is a global investments company dedicated to helping its clients manage and service their financial assets throughout the investment lifecycle. BNY Mellon delivers informed investment management and investment services in 35 countries and more than 100 markets. BNY Mellon’s Pershing Advisor Solutions is a leading provider of business management, execution and financing solutions with custody at its core. Our clients are professionally managed, growth-oriented advisory and wealth management firms and institutional providers that serve clients with complex financial lives. As a true business-to-business provider, we can help you run your business more efficiently and serve your clients more effectively by offering access to cutting-edge solutions - from private banking to alternative investments to global capabilities.

To learn more about how we can help you grow and build an enduring advisory business, visit us online or connect with us on LinkedIn or Twitter.

PPCLOAN is one of the nation’s leading sources of conventional (non SBA) cash-flow based financing for investment advisory firms. For over 20 years, we have consistently provided the most attractive financing programs available in the industry. With PPCLOAN you can expect quality service and tailored financing solutions because we understand how your business works. And that gives us an edge over typical SBA lenders and traditional banks who can’t afford the time to learn and understand the way your firm - or any investment firm - works. The three types of loans we offer to investment advisory firms are:

• Growth Loans: For acquisitions (& mergers) of a firm or book of business
• NextGen Loans: For succession plans, internal equity purchases, and partnership buy-ins/buy-outs
• Refi Loans: A refinancing solution for existing business debt

Once we get to know you and your firm, you can consider us a long term partner who’s ready to assist you with your ongoing financing needs. This is about a relationship and your dedicated PPCLOAN advisor is committed to your ongoing success.

Private College 529 Plan is a congressionally authorized non-profit prepaid tuition program owned by nearly 300 private colleges and universities nationwide. Private College 529 helps your clients steer clear of tuition increases, avoid market risk for their college funds and potentially save thousands of dollars on future tuition. Clients lock in today’s tuition rates guaranteed at any member school. Member schools range from Princeton to Stanford, Amherst to TCU, Emory to Notre Dame to USC and hundreds more. Private College 529, in operation since 2003, provides families the same federal tax and estate‑planning advantages as state 529 plans, and clients pay zero fees. It is making private higher education more affordable for American families.

Ryan Insurance Strategy Consultants is primarily focused on helping Fee-Only Advisors and their clients with life, disability, and long-term care insurance planning. John Ryan CFP® is the Principal of the firm and consults with financial advisors, attorney's, CPA's and their clients in addition to managing his own private insurance practice in Colorado since 1978.

Ryan Insurance Strategy Consultants also oversee the administration of the NAPFA Member Group Insurance Benefit plans and specialize in the implementation and administration of group insurance products to associations and employer groups at a national level.

Secura Consultants (formerly MDP Consultants and now merged with Secura Consultants to be one) worked to develop this program so that NAPFA members had a second option when it came to disability income protection through the association. Secura Consultants is a NAPFA Resource Partner who provides financial advisors with fiduciary level review, consultation, and placement of life, disability and long-term care solutions. Whether the risk is a premature death, the inability to work due to poor health, or the need for extended care, Secura Consultants provides in-depth risk management with a fiduciary standard of care. They use the fiduciary standards as a guide to how they conduct business – assuring that advisors have independent access to insurance products and clients receive the education, analysis, and recommendations needed to make informed and documented decisions, all in the client’s best interest. For more information, call Mitch Nelson at 952-641-5206 or send him an email at mitch@securaconsultants.com.

Shareholders Service Group (SSG) provides custodial services exclusively for independent registered investment advisors (RIAs). SSG is dedicated to helping RIAs succeed in working with their clients by providing the best overall platform of investment solutions, service and technology. SSG was the highest-rated custodial platform in the 2020 T3/Inside Information Advisor Software Survey. Employees of SSG have an average of over 19 years of experience in serving the needs of independent RIAs. This experience allows SSG to deliver the “SSG Same-Day Promise” which means that service requests received by noon receive same-day attention. The company was founded in 2002 and currently serves approximately 1,600 independent RIAs.

SurePrep is the leader in 1040/1041 tax prep productivity. We deliver seamless integration with your existing tax software to automate and streamline the entire 1040 and 1041 process for both the taxpayer and tax professional. Our solutions are used by over 23,000 tax professionals to reduce administrative costs, automate tax workpaper preparation, maximize review efficiency and improve client service. For more information visit www.sureprep.com.

People want to live long, healthy lives with the financial means to do so. They’re concerned about healthcare costs, retirement readiness, and protecting their family’s quality of life. We’re committed to helping them plan for every part of that journey — because a financial strategy is about more than dollars and cents.

While our focus and experience is rooted in more than 100 years in financial services, we know discussing and promoting good health today can help protect and preserve wealth tomorrow.

What good is wealth if you're not healthy enough to enjoy it?

T. Rowe Price has been managing money since 1937 and, today, stands as a leading provider of investment management services. We offer providers a broad array of active U.S. and non-U.S. equity and fixed-income strategies, through both retail and institutional mutual funds. We emphasize proprietary, fundamental research; close attention to risk management; and consistency of style. We believe that by doing so, we can continue to provide the solid, long-term risk-adjusted performance investors have the right to expect. A financially sound, independent organization with strong employee ownership, T. Rowe Price Group, Inc. has $1.22 Trillion in assets under management as of June 30, 2020.

XY Planning Network is the leading organization supporting financial advisors who provide fee-for-service financial planning to Generation X & Generation Y clients. XYPN is a turnkey financial planning platform, providing everything from compliance support to the technology necessary to start, run, and grow (or transition to) a fee-only RIA doing real financial planning for next-generation clients, with real independence, and access to a real community of like-minded advisors.