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Title   Description
2020 IRA Reporting   Join us for an overview of IRA reporting requirements, including what’s new for tax year 2020. Learn what information financial organizations must report to IRA owners and to the IRS on IRS Forms 5498 and 1099-R, and the fair market value and required minimum distribution (RMD) statements.
  • identify due dates for IRA reporting,
  • recognize when a required minimum distribution statement is required,
  • understand when electronic filing of forms is required, and
  • accurately report contributions, fair market values, and distributions to IRA owners and to the IRS.
This is a basic course with no prerequisites or advanced preparation required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
A Closer Look at Financial Wellness   A large percentage of Americans struggle to cover unexpected expenses. Nearly half of all American families have no retirement savings. This course examines approaches employers are taking to promote financial wellness for their employees and the benefits they hope to gain from employing a less financially-stressed workforce. We’ll discuss wellness programs as a component of an employer’s benefit package, retirement plan auto enrollment, initiatives to tie emergency funds to employer plans, and the use of health savings accounts to combat large, unexpected medical expenses—the one type of expense that causes the most financial shock for many households.
  • What is financial wellness?
  • Are Americans financially well?
  • Employer financial wellness programs
  • Possible tools to improve financial wellness
  • Financial wellness in other countries
This is an advanced course. Having a basic knowledge of retirement plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Advanced Beneficiary Topics for IRAs and QRPs (Course Recommended for CIS II Exam)   IRA and QRP beneficiary regulations can seem complicated, especially when other circumstances apply. We’ll provide specific types of situations or issues that may come up when processing a death claim, along with information on how to handle them and examples of how the beneficiaries are affected.
  • Identify special issues that arise in processing death claims
  • Explain the procedures for handling special issues
This is an advanced course. Having a basic knowledge of retirement plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Advanced HSAs   Build up your health savings account (HSA) knowledge by exploring more advanced topics related to eligibility, contributions, and distributions, including beneficiary rules, excess contributions, prohibited transactions, and debit card issues. Distinguish between an HSA trustee or custodian’s responsibilities, employer responsibilities, and an HSA owner’s responsibilities.
  • Identify each party’s responsibility in determining contribution limits
  • Understand additional responsibilities that the employer faces regarding establishment and funding of HSAs
  • Recognize the different options for resolving excess contributions
  • Understand beneficiary distribution options upon the HSA owner’s death
  • Recognize the financial organization’s and HSA owner’s reporting responsibilities
This is an advanced course. Having a basic knowledge of HSAs is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Advanced IRA and QRP Portability and Conversions (Course Recommended for CIS II Exam)   Learn about all of the IRA and employer-sponsored retirement plan portability options and the requirements for properly carrying them out. Gain an understanding of the rules and learn the differences between each transaction. Discussion includes taxation, eligible plan types, ineligible distributions and movements of assets, reporting, and what’s new.
  • identify the types of plan assets that are eligible for rollover,
  • compare the differences between retirement plan rollovers to Traditional and Roth IRAs,
  • explain the result of violating the portability rules,
  • describe a conversion,
  • define the consequences of an ineligible conversion, and
  • understand the reporting requirements for rollovers and conversions.
This is an advanced course. Having a basic knowledge of retirement plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Advanced IRA Issues: Taking Penalty-Free IRA Distributions   Learn how IRA owners can take penalty-free distributions before age 59½. This course will cover each exceptions to the 10 percent early distribution penalty tax—including substantially equal periodic payments, first-time home purchases, higher education expenses, disaster relief, and qualified birth or adoption expenses.
  • Explain each penalty exception
  • Learn the substantially equal periodic payment requirements
  • Understand the reporting requirements
This is an advanced course. Having a basic knowledge of IRA plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Beneficiary Options For Deaths in 2020 and Beyond   The SECURE Act has brought many changes, and one of those changes is to beneficiary options. This course will walk through the possible distribution options for both IRA and qualified retirement plan beneficiaries when the account owner dies in 2020 or later.
  • Explain the beneficiary options when an account owner dies in 2020 or later, but before his RBD
  • Describe the beneficiary options when an account owner dies in 2020 or later, but on or after her RBD
  • Understand the successor beneficiary options when a beneficiary dies in 2020 or later
This is a basic course with no prerequisites or advanced preparation required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
IRA and QRP Electronic Delivery and Reporting   Review the guidelines for electronic delivery of IRA and retirement plan forms, notices, statements, and disclosures. Learn more about available delivery options and the rules that must be followed. We’ll examine both the IRS’ and Department of Labor’s updated requirements for appropriate use of electronic delivery and proper reporting.
  • Discuss the Internal Revenue Service (IRS) rules for delivering forms (e.g. Forms 1099-R and 5498) electronically,
  • Discuss the IRS rules for delivering notices electronically,
  • Discuss the Department of Labor (DOL) requirements for delivering participant notices electronically, and
  • Learn how to appropriately capture plan participant or IRA owner elections through an electronic method.
This is an advanced course. Having a basic knowledge of IRA and QRP plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Handling IRA Excess Contributions (Course Recommended for CIS II Exam)   This course will walk you through everything IRA excess contribution-related, including the reasons why an excess may occur. Learn how an excess can be corrected, depending on when it is being corrected, how to determine the excess amount plus interest, and how to accurately report the transaction.
  • Define an excess contribution
  • Identify excess contribution correction methods
  • Describe a recharacterization
  • Calculate net income attributable (NIA) to an excess contribution
  • List the possible taxes and penalty taxes for excess contributions
This is an advanced course. Having a basic knowledge of IRA plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
HSA vs 401(k): Where to Defer   Where is the best place to save? There’s no straightforward answer to this question. Individuals face tough choices when allocating their savings, often with many unanswered questions. This course explores nuanced qualified saving strategies, with focus on 401(k) plans and health savings accounts (HSAs). Find out how an HSA’s unique advantages paired with the benefits of a 401(k) plan make for a powerful combination of retirement savings vehicles, rather than just choosing one over the other.
  • Where do advisors recommend saving first?
  • The case for and against HSAs
  • The case for and against 401(k)s
  • Where are people actually saving?
  • Tax efficiency comparison
This is a thought leadership course with no prerequisites or advanced preparation required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
HSAs – Exploring Their Advantages   HSAs are receiving much attention in the marketplace because of the powerful tax benefits they offer account owners. In this course we will dissect the HSA’s most commonly-touted advantages, and take a close look at some of its very important, but lesser-known, features. We will also examine whether account owners are maximizing the potential of their HSAs, and consider what might be on the horizon to help make the most of these accounts.
  • Consider the benefits (and a few possible drawbacks) of HSAs for employers and individuals
  • Discuss HSA owner behavior and account utilization trends
  • Compare and contrast their prospects for providing additional retirement savings
  • Consider how to make HSAs available to more people and how to grow balances
This is a thought leadership course with no prerequisites or advanced preparation required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Introduction to Beneficiary Options for IRAs and QRPs (Course Recommended for CIS II Exam)   This course will walk through the possible distribution options for both IRA and qualified retirement plan beneficiaries. As a result of the SECURE Act, beneficiary options differ depending on the year the account owner died. We will discuss the beneficiary options both when the account owner died in 2019 or earlier and when the account owner dies in 2020 and later. We will also explore related concepts such as separate accounting, life expectancy payments, recalculation and nonrecalculation, and portability options. Return to work with a clearer understanding of beneficiary distribution options and procedures.
  • Apply the concept of separate accounting and its deadline
  • Understand when recalculation and nonrecalculation should be used
  • Explain when a beneficiary may be able to roll over an inherited retirement plan to an inherited IRA
  • List the deadlines that apply for beneficiary distribution elections
This is a basic course with no prerequisites or advanced preparation required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Introduction to HSAs   Build a foundation of health savings account (HSA) knowledge with a thorough introduction into the world of HSAs, beginning with eligibility requirements and moving on to contribution rules and limits, and finally, taking distributions. The course includes an overview of the HSA’s relationship to employer high deductible health plans.
  • Explain the benefits and basic concepts of health savings accounts (HSAs)
  • Understand the HSA eligibility requirements and contribution limits
  • Describe HSA tax benefits and portability rules
  • Recognize the difference between qualified and nonqualified distributions
  • Discuss HSA reporting requirements
This is a basic course with no prerequisites or advanced preparation required.
Fields of Study: Finance
Eligible Number of CPE Credits:1.5
Introduction to QRPs & 403(b) Plans   This comprehensive, two-part course examines the world of employer-sponsored, qualified retirement plans, and 403(b) plans. We'll explore the benefits of these plans by describing plan features such as eligibility, contributions, and portability. A portion of this course will also cover plan design issues, testing requirements, and Roth features.
  • Identify the benefits associated with 401(k) and 403(b) plans
  • Recognize plan features, including eligibility and contribution requirements and distribution options
  • Describe plan design issues, such as safe harbor plans and automatic enrollment
  • Distinguish between pretax and Roth 401(k) deferrals
This is a basic course with no prerequisites or advanced preparation required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
IRA Legal Issues   Your organization may have legal counsel or written guidelines in place to ensure the proper handling of various legal issues that typically relate to IRAs. Become more familiar with these issues—and any related law changes—while learning practical approaches to handling them to better serve your IRA clients.
  • Recognize power of attorney (POA) issues
  • Understand the roles of a guardian/conservator for IRA transactions
  • Identify and resolve abandoned property issues
  • Determine the correct process for paying IRA fees
This is an advanced course. Having a basic knowledge of IRA plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
IRA Update   Don't fall behind on the latest IRA-related regulatory changes and legislative developments. Find out what’s new and how it may affect your IRA program, documents, and procedures. Topics covered may include recent legislation, reporting guidance, and key pronouncements.
  • review regulatory and other guidance from the past year,
  • discuss enacted legislation, and
  • examine litigation that may affect IRAs.
This is an advanced course. Having a basic knowledge of IRA plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Legislative Reform: What's Changed, What's on the Horizon   Get the scoop on any new legislation and policy initiatives, taking into consideration the current or future political climate.
  • Learn about savings legislation with potential for enactment
  • Examine federal vs state retirement savings landscape
  • Review potential regulatory guidance on the horizon
  • Consider Social Security’s status and the urgency for saving
This is an advanced course. Having a basic knowledge of IRA and QRP plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Planning for Retirement and Decumulation Strategies   Recent market performance has created renewed concern about the assumptions and strategies that are used for retirement savings and planning. This course will address some of the investment and distribution tools being used to bridge the potential gap between your clients' retirement savings and their need for an income stream at the point of retirement.
  • Understand the levels of risk and potential remedies to a secure retirement
  • Review strategies to maximize retirement savings assets
  • Examine tools and common assumptions that can aid in retirement income and distribution planning
  • Discuss various ways to provide income—including guaranteed income—during retirement
This is a thought leadership course with no prerequisites or advanced preparation required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
QRP Legal Issues   Most employers don’t want to be burdened by the details of plan administration. Yet those details cannot be ignored. This course addresses the legal and compliance issues that apply to employer-sponsored retirement plans. Leave with a better understanding of the topics discussed and, if time permits, the instructor may be able to address your questions about complex legal issues your clients have.
  • understand who is a fiduciary, what are their duties are, and what affects legislative updates may have;
  • recognize when plan assets may be used to cover plan expenses;,
  • identify the rules for plan audits, including new AICPA auditing standards;, and
  • describe the options that employers have when dealing with missing, nonresponsive, or terminated participants.
This is an advanced course. Having a basic knowledge of QRP plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
QRP Update   Join us for the latest analysis of the SECURE Act and its effect on qualified retirement plans. In addition, we’ll cover other legislative updates, regulatory changes, and judicial decisions that have taken effect. Find out whether these changes will affect your documents and procedures.
  • Review recent regulatory and other guidance
  • Discuss enacted and proposed legislative developments
  • Examine litigation that may affect qualified retirement plans (QRPs)
This is an advanced course. Having a basic knowledge of QRP plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Required Minimum Distributions for IRAs and QRPs (Course Recommended for CIS II Exam)   This course focuses solely on required minimum distributions (RMDs) from IRAs and employer-sponsored retirement plans. We’ll explain the required beginning date and why it may differ between IRAs and retirement plans, how to correctly calculate an RMD, the role beneficiaries play in the calculation, what the reporting requirements are, and other RMD-related topics.
  • explain the delayed required beginning date option,
  • identify the issues that may affect the required minimum distribution (RMD) calculation, and
  • identify the aggregation rules for RMD purposes.
This is an advanced course. Having a basic knowledge of IRA and QRP plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Roth IRAs: What You Should Know   Learn all aspects of the Roth IRA— including its features and benefits and how it stands out from other retirement savings accounts. Leave with a more thorough understanding of its tax advantages, contribution eligibility rules, reporting requirements, portability options, and advanced distribution issues.
  • identify individuals that are eligible for a Roth IRA contribution,
  • discuss Roth IRA distribution taxation,
  • explain what the "Roth IRA loophole" is, and
  • state the portability options for Roth IRAs.
This is an advanced course. Having a basic knowledge of Roth IRA plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Small Business Options: Focus on Solo(k) Plans   A major change in today’s American economy is the growing importance of owner-only businesses. This includes new start-ups, niche businesses, independent professionals, and so-called “gig” workers. The one-person or owner-only 401(k)—sometimes called a Solo(k) plan—offers features that allow total contribution flexibility, the ability to make maximum contributions with less compensation than needed with other plan types, and modest administration cost. Attend this course to learn more.
  • Understanding solo(k) plans
  • Who benefits from a solo(k) plan
  • What is required to establish a solo(k) plan
  • Funding components of a solo(k) plan
  • Plan administration considerations
This is an advanced course. Having a basic knowledge of QRP plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Strategies for Auto-Rollovers and Finding Missing Participants   As long as there have been retirement plans, employers have had to deal with the issue of missing participants. Safe harbor guidelines for steps to locate missing participants have not been forthcoming from the Department of Labor, but we’ll share best practices for developing and documenting procedures to assist you in meeting your fiduciary obligations.
  • Recognize situations where a participant is considered missing
  • Understand the fiduciary obligation to find missing participants
  • Know what to do with plan assets when a participant can’t be found.
This is an advanced course. Having a basic knowledge of IRA and QRP plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Taking Advantage of the Mega Roth   Learn about designated Roth deferrals, the popular mega Roth strategy, and who the prime candidates are for this type of transaction. During this course, we’ll discuss the strategy, including compliance and tax considerations. We’ll also compare pretax, Roth, and nondeductible employee deferrals.
  • Learn about designated Roth deferrals
  • Understand how designated Roth distributions are taxed
  • Describe in-plan Roth rollovers and rollovers to Roth IRAs
  • Explain the “mega backdoor” Roth strategy
This is an advanced course. Having a basic knowledge of Roth IRA plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:1.5
Withholding Requirements for IRAs (Course Recommended for CIS II Exam)   There is much confusion about fulfilling IRA withholding requirements. Don’t be caught off guard with numerous errors and costly penalties. Learn the federal and state IRA withholding requirements and how to satisfy them, the proper way to submit withheld assets, and what the potential penalties are for not withholding correctly.
  • list the possible penalties for failing to withhold,
  • explain the withholding notice and election requirements,
  • discuss how withholding is reported and transmitted to the IRS, and
  • describe foreign withholding requirements.
This is an advanced course. Having a basic knowledge of IRA and QRP plans is recommended. No advanced preparation is required.
Field of Study: Finance
Eligible Number of CPE Credits:3