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Ongoing Professional Education For John W. Ellison, ChFC, CLU, CFP® Date November 10, 2001 Course CE 1 Credit Course Description November 9, 2001 CE 1 Credit Estate Planning – The Extended IRA. Required CE Courses for CFP & State of WI – Nationwide Life Insurance Co. November 9, 2001 November 6, 2001 August 23, 2001 Course 199 CE 2 Credit Course 199 CE 1 Credit Course 276 CE 1 Credit 529 Plans Aren’t Just For College. Required CE Courses for CFP & State of WI – Fidelity Investments Nonqualified Compensation Planning. Required CE Courses for CFP & State of WI - Nationwide Life Insurance Co. Annuity Exchange. Required CE Courses for CFP & State of WI- Sun America Life Insurance Co. Market Value of Life Insurance. Required CE Courses for State of WI Coventry Center for Financial Professionals Course 497 CE 1 Credit The Landscape has changed. Required CE Courses July 31, 2001 CE 1 Credit Tools for the New Environment Required CE Courses July 31, 2001 July 31, 2001 July 31, 2001 February 21, 2001 CE 1 Credit CE 1 Credit How to profitably Convert to a Fee-Based Practice. Required CE Courses FSC Firm Elements Understanding the Rules Engine. Required CE Courses - FSC Firm Elements CE 1 Credit Surviving the Storm: Compliance Clarified. Required CE Courses - FSC Firm CE 3 Credits VTC Avoiding Probate Court. Required CE Courses for State of WI - Society of Financial Service Professionals July 31, 2001 June 1996 March 1996 October 1995 Course 32 HS 332 Financial Planning Applications HS 313 Individual Health Insurance HS 336 Financial Decision Making at - FSC Firm Elements - FSC Firm Elements - Elements The course begins with the financial planning process and develops a method for analyzing and recommending a course of action that is appropriate for the client. Using the case analysis method, the course integrates the various planning techniques, tools, and products covered in earlier courses. Students receive practical experience in analyzing and solving realistic financial problems of individuals and businesses. Cases range from simple fact patterns and basic documents to complex situations involving not only personal financial problems but also financial problems associated with businesses, business ownership, and estate planning. Clients presented in the cases vary by age, income, family status, occupation, objectives, and related financial problems. Elective Course for ChFC. This course provides an overview of individual health insurance designed to meet the needs of individuals, families, and certain business situations. The course also includes coverage of medical expense insurance and Medicare supplements. In addition, it contains a discussion of disability income insurance and long-term care insurance. Elective Course for RHU & CLU. This course, which expands on selected qualified-plan concepts introduced in HS 326, focuses on the financial decisions that clients face as they approach, reach, and pass retirement age and on the tools and techniques financial advisers may employ to assist their clients with these decisions. Topics include estimating retirement income and capital needs; retiree medical coverage and long-term care; life-care communities and other housing arrangements; home equity conversion; Social Security benefits; qualified and Page 1 Ongoing Professional Education For John W. Ellison, ChFC, CLU, CFP® Retirement August 1991 HS 321 Income Taxation nonqualified plans, SEPs, IRAs, Roth IRAs, and SIMPLEs; retirement plan distribution options, including annuity options, rollovers, lump-sum distributions, forward averaging, and minimum required distribution planning; and investment planning and asset allocation. This course is especially valuable for practitioners who advise retirees in decisions on rolling over lump-sum pension distributions to IRAs. (This Huebner School course may be taken for graduate credit.) Elective Course for ChFC, MSFS, AEP and MSM Degree. This course examines the federal income tax system with particular reference to the taxation of individuals. Topics covered include items of gross income, exclusions from gross income, deductions, tax credits, capital gains and losses, and the taxation of life insurance and annuities. The income taxation of partners and partnerships as well as corporations and their shareholders also is covered. The application of income tax laws to the transactions of individuals and businesses is important to financial services professionals in planning for the avoidance, minimization, and deferral of taxation. This course applies to the following programs: CLU-Elective, ChFC August 1991 HS 331 Planning for Business Owners and Professionals August 1991 HS 334 Estate Planning Applications July 1991 HS 326 Planning for Retirement Needs July 1991 HS 330 Fundamentals of Estate Planning June 1991 HS 324 Life Insurance Law December 1990 HS 323 Individual Life & CFP™ Required. This course focuses on the tax and legal aspects of organizing a business; compensation planning for the business owner; business succession planning; buy-sell agreements; estate planning and estate freezing techniques; methods for transferring a family business; lifetime disposition of a business interest--taxable and tax-free dispositions and the use of the installment sale and other methods; business uses of life and disability insurance for the benefit of business owners; disability buy-sell agreements; and risk management for a closely held business. This course also covers the special problems of professional corporations. Required Course for CLU. Estate and gift tax principles with emphasis placed on life insurance planning applications are covered. Topics include forecasting the gross estate; life insurance trusts; valuation principles; the use of charitable contributions as an estate planning technique; planning opportunities stemming from the marital relationship; the taxation of trusts; implications of employee benefits; and estate freezes. Also included is a case study reflecting procedural aspects of the estate planning process. Elective Course for CLU & ChFC. This course focuses on retirement planning for the business, the business owner, and the individual. It consists of two major parts. The first covers qualified plans, nonqualified plans, and IRAs; the second part deals with retirement needs for individual clients. This course emphasizes the practical knowledge needed for choosing the best retirement plan and designing a plan that will meet a client's needs from a tax and retirement standpoint. Personal retirement planning and retirement distribution planning are also discussed. This course applies to the following programs: CLU-Elective, ChFC, CFP™ & REBC Required. Various aspects of estate and gift tax planning, including the nature, valuation, transfer, administration, and taxation of property, are discussed. Particular emphasis is given to a basic understanding of the estate and gift tax system, including the strategies used in estate planning. Topics include gratuitous transfers of property outright or with trusts, wills, and powers of appointment; use of the marital deduction; the valuation of assets; and buy-sell agreements. In addition, the client interview, fact-finding, ethical standards, and the development of appropriate personal estate plans are discussed. Required Course for CFP, ChFC, and CLU. This course examines the legal aspects of life insurance including the basic principles of contract law; policy provisions and an in-depth treatment of the incontestable clause; assignments, ownership rights, and creditor rights; beneficiary designations and the disposition of proceeds; the law of agency and its application to the life insurance business; and advertising and privacy issues. Also included are discussions of the procedural and emotional issues concerning death and dying and the ethical issues facing today's insurance producers. It is important for financial services professionals to understand the legal rights and obligations of the policy owner and the insurance company both before and after the policy is issued; the way in which disputes between insureds and insurers are resolved; and the general principles applied in the judicial process. Required Course for CLU. This course includes coverage of individual insurance products, insurance operations, and insurance regulation. Most of the course is devoted to the life insurance policies and annuities available for the personal needs of individuals. The use of these products in the financial planning process also is discussed. The remainder of the course is concerned with insurance company organization, operations, and reserves. Required Course for CLU. Page 2 Ongoing Professional Education For John W. Ellison, ChFC, CLU, CFP® Insurance September HS 325 1987 Group Benefits March 1987 HS 318 Insurance and Financial Planning January 1987 HS 328 Investments January 1987 HS 328 Investments The growth of both group benefits and social insurance programs underscores the significance of these areas. It is important that financial services professionals understand the provisions, advantages, and limitations associated with each type of benefit or program as a method for meeting economic security needs. To this end, this course analyzes group insurance benefits including the governmental environment, contract provisions, marketing, underwriting, rate making, plan design, cost containment, and alternative funding methods. It also covers the various governmental programs related to the economic problems of death, old age, unemployment, and disability. CLU-Elective, RHU & REBC Required. This course begins with a discussion of the financial planning process, addressing the regulatory and ethical environment of financial planning, time-value-of-money concepts, communication techniques, and the role of risk tolerance in financial decisions. The second part of the course covers basic concepts in risk management and insurance, insurance industry operations, legal principles pertaining to this industry, and regulation of insurers. The course also covers social insurance, life insurance and annuities, medical and disability income insurance, long-term care insurance, and personal property and liability insurance. Required Course for CFP, ChFC, and CLU. This course covers various aspects of the principles of sound investments and their application to financial planning. Topics include risk analysis, risk reduction through diversification, expected returns of various investments, and the nature of securities markets and investment companies. In addition, the course examines fixed-income securities (e.g., bonds), common and preferred stock, mutual funds, options, futures, and other investment vehicles, and describes methods of evaluating various investments. Methods of portfolio design and analysis also are covered. The growing importance of money management and the abundance of investment opportunities highlight the significance of this course. With the continually increasing number and diversity of investment opportunities available in the marketplace, financial planners must be aware of the risk-return tradeoffs that different investment instruments present, so they understand which investment opportunities are consistent with their clients’ personal objectives and levels of risk tolerance. In short, this course presents the essential theory necessary to understanding how financial markets work, as well as how best to diversify and balance a portfolio of investments to reduce risk and maximize expected return. Required Course for CFP™, ChFC, and CLU. This course covers various aspects of the principles of sound investments and their application to financial planning. Topics include risk analysis, risk reduction through diversification, expected returns of various investments, and the nature of securities markets and investment companies. In addition, the course examines fixed-income securities (e.g., bonds), common and preferred stock, mutual funds, options, futures, and other investment vehicles, and describes methods of evaluating various investments. Methods of portfolio design and analysis also are covered. The growing importance of money management and the abundance of investment opportunities highlight the significance of this course. With the continually increasing number and diversity of investment opportunities available in the marketplace, financial planners must be aware of the risk-return tradeoffs that different investment instruments present, so they understand which investment opportunities are consistent with their clients’ personal objectives and levels of risk tolerance. In short, this course presents the essential theory necessary to understanding how financial markets work, as well as how best to diversify and balance a portfolio of investments to reduce risk and maximize expected return. Required Course for CFP, ChFC, and CLU. Page 3