AICPA Personal Financial Planning (PFP)
The AICPA Personal Financial Planning (PFP) podcast is produced by the American Institute of Certified Public Accountants and CIMA. It offers free episodes featuring nationally known experts discussing retirement, estate, tax, and investment planning. Listeners can access practical guidance and updates relevant to personal financial planning professionals. The show also points to the AICPA & CIMA PFP community for member-only benefits and additional resources.
Episodes
When the Numbers Don't Add Up
What does it take to uncover the financial truth behind a multibillion-dollar securities fraud case? In this episode, Cary Sinnett talks with forensic accounting expert Chris Davis about his work supporting plaintiffs' attorneys in a multibillion-dollar securities fraud case involving Elon Musk. Chris explains how forensic accountants analyze complex financial records and SEC filings, then transla
The Advisors Who Thrive With AI Will Do This Differently
AI is getting faster at producing technical answers. So, what will make clients continue to choose you? In this episode, Cary Sinnett and Brianne Smith explore how AI is reshaping financial planning and why human judgment, empathy and connection matter more than ever. Learn how advisors can use technology to spend less time on manual work and more time helping clients navigate the decisions that m
Bob Keebler Explains How a Footnote Can Cost Thousands
A footnote in the Joint Committee on Taxation's Blue Book may create significant tax consequences for trusts and estates beginning in 2026. In this episode, Bob Keebler joins Cary Sinnett to explain why Footnote 102 has raised concerns about applying the new 2/37ths limitation to distributable net income, charitable deductions and other trust and estate deductions. They explore how the limitation
The Real Reason Clients Don't Follow Your Advice
The real challenge for planners is not always giving better advice. It is understanding why clients do not act on the advice they already have. In this episode, Cary Sinnett talks with behavioral finance expert Carl Richards about what gets in the way of follow-through. They explore why clarity, purpose and trust often matter as much as technical precision, and how planners can help clients move f
The Secret to Getting Early-Career CPAs Excited About Financial Planning
The future of personal financial planning depends in part on whether today's professionals help the next generation see what the career can become. In this episode of the PFP Podcast, Cary Sinnett talks with Dr. Brianne Smith about how firms can expose students and early-career professionals to the human side of financial planning and give them meaningful opportunities to grow into advisory roles.
What Financial Planning Research Reveals About Your Clients
What can the latest research teach us about helping clients make better financial decisions? In this episode Cary Sinnett talks with Dr. Megan McCoy, who leads the personal financial planning program at Kansas State University, about bringing academic research and real-world financial planning practice closer together. They explore what emerging research in client psychology, communication and fin
Are You Solving the Right Problem First? Ask Dr. Brian Portnoy
Technical expertise may earn a client's confidence, but human connection earns their trust. In this episode of the PFP Podcast, Cary Sinnett continues his conversation with Dr. Brian Portnoy, author of The Geometry of Wealth, exploring how CPA financial planners can move beyond numbers and into the conversations that truly matter. Together they discuss why "funded contentment" should be at the cen
Why Bob Keebler Makes the Section 645 Election Almost Every Time
The months immediately following a client's death create one of the most important income tax planning windows in estate administration. While many practitioners focus on basis step-ups and beneficiary distributions, one election can fundamentally change how post-death income is managed: the Section 645 election. In this episode, Cary Sinnett sits down with nationally recognized tax expert Bob Kee
The IUL Experiment with Andy Panko
Indexed Universal Life (IUL) insurance is often marketed as a "tax-free retirement income" solution, but how do these policies really work over time? To cut through the noise, financial planner Andy Panko, CFP®, RICP®, EA, decided to run his own real-time experiment. He bought an IUL, fully documented the structure, costs, and performance, and is openly sharing the results year after year. In this
Your Clients Can Afford to Retire. Will They Enjoy It?
Most retirement plans answer one question: Can I afford to retire? But far fewer answer the question that often matters just as much: What am I retiring to? In this episode, Cary Sinnett sits down with renowned researcher and Harvard Business School professor emerita Teresa Amabile to explore the hidden psychological transition that accompanies retirement. Drawing from more than a decade of resear
Bob Keebler on Avoiding Costly Estate Planning Mistakes
Some of the biggest planning opportunities in trust and estate taxation are also the easiest to miss. In this episode, Cary Sinnett sits down with nationally recognized estate planning authority Bob Keebler to explore three highly technical areas that can dramatically impact client outcomes: portability elections, fiduciary income taxation during periods of market volatility, and the often-misunde
Why the Future of Financial Planning Runs Through the CPA
What does the future of the CPA profession look like as advisory, financial planning, and AI reshape client expectations? In this episode of the AICPA Personal Financial Planning Podcast, Cary Sinnett sits down with Sue Coffey, CEO of Public Accounting at the American Institute of Certified Public Accountants, to discuss the profession's transformation from compliance-focused work to holistic trus
Andrea Millar, From Financial Expert to Trusted Guide
What if the biggest barrier to client action is not the quality of the financial plan, but the lack of purpose behind it? In this episode, Cary Sinnett sits down with Andrea Millar to explore how life planning helps financial planners move beyond technical recommendations and uncover what truly matters most to clients. Andrea shares how deeper conversations around purpose, relationships, fulfillme
Small Planning Conversations That Lead to Bigger Engagements
Sometimes the biggest client wins start with a simple question. In this episode, Cary Sinnett and Jackie Cummings Koski share five fast, high-impact planning ideas that can instantly deepen client conversations and uncover bigger opportunities. From forgotten 401(k)s and Roth-funded 529 strategies to overlooked HSA and charitable planning moves, these are the kinds of insights that make clients s
The Ripple Effect: How Financial Literacy Shapes Generations
Cary Sinnett sits down with Jackie Koski to challenge a core assumption in financial planning: strategy isn't the starting point—literacy is. They explore how foundational knowledge shapes better decisions, why behavior often overrides logic, and how financial professionals can expand their impact beyond client engagements. Questions Answered How does financial literacy change a client's path to
Transform Tax Season into Year-Round Client Value with Dr. Brianne Smith
In this episode, Cary Sinnett sits down with Dr. Brianne Smith to explore how CPAs can turn tax work into fully integrated personal financial planning. Drawing on decades of experience leading both a CPA firm and an advisory practice, Brianne breaks down what really changes when you move beyond compliance and step into ongoing client relationships. They unpack the real barriers holding profession
The Inflection Point for CPA Financial Planners: Why Now Matters
This is a pivotal moment for CPA financial planners. In this episode, Leonard Wright joins Cary to break down why the convergence of tax, technology, and client expectations is accelerating the shift toward integrated financial planning. They explore how AI is reshaping compliance, why tax is the natural gateway to deeper planning conversations, and what the PFP movement means for firms of all siz
Millions at 18, Broke at 30 (Unless a CPA/PFS Gets Involved)
Your client's kid just signed a D1 scholarship and an NIL deal. Now what? In this episode, Cary Sinnett sits down with Cameron Caprio, CPA/PFS and Founder of Venture Multi-Family Office, to unpack one of the fastest-growing planning challenges in the profession: helping young athletes (and their families) manage sudden, complex wealth before it slips through their fingers. The numbers are staggeri
From Knowledge to Impact: The CPA's Role in Financial Literacy with Julia Bush
Financial literacy is not just a client issue; it is a national opportunity for CPA financial planners to lead. With only half of Americans understanding basic financial principles and many households living paycheck to paycheck, the profession is uniquely positioned to step beyond the conference room and into classrooms, community groups, and public conversations. In this episode, host Cary Sinne
What's Next for the CPA Financial Planner with Matt Kidd
What is really happening with the PFS? In this episode, Cary Sinnett talks with Matt Kidd, Chair of the AICPA PFS Credential Committee, about the modernization of the PFS Credential, including updating the PFS experienced exam, building the PFP Champions program, expanding avenues to earn the PFS Credential like the PFS Live workshop, growing the visibility of the PFS credential nationwide by high
Trump Accounts are Coming - and You Need to be Ready
Trump Accounts are here, and they come with a mix of opportunity and complexity. In this episode, Cary Sinnett (PFP Podcast) and April Walker (Tax Odyssey) team up with Sebrina Ivey, CPA/PFS, to break down the key rules and planning implications CPA Financial Planners need to understand. What's covered: · What Trump Accounts are and how they differ from 529s, UTMA/UGMA, and ABLE accoun
Bob Keebler on The Renaissance of Income Tax Planning
Non-grantor trusts are stepping into the spotlight, not for estate tax, but for income tax planning. In this episode, Cary Sinnett sits down with tax expert Bob Keebler to explore how the One Big Beautiful Act (H.R.1) reshapes the planning landscape. You'll hear how you can use trusts to reclaim lost SALT deductions, stack §199A benefits, shift income across generations, and even layer in QSBS ex
From Busy Season to Better Seasons: A CPA's Path to Planning with Deb Meyer
Busy season does not have to define a CPA's entire year. In this episode of the AICPA Personal Financial Planning Podcast, Cary Sinnett sits down with Deb Meyer, CPA and founder of WorthyNest, to discuss her path from tax compliance to integrated financial planning. Deb shares why she merged her CPA firm and RIA, how advisory services changed her client relationships, and what CPAs should realisti
Cracking the AI Code for CPA Financial Planners
Host Cary Sinnett is joined by Dr. Brianne Smith, a PFP practitioner, CPA firm owner, and accounting professor at Auburn University, for a timely conversation on artificial intelligence in financial planning. Artificial intelligence is moving quickly into financial planning workflows, but not all "AI" tools are created equal. For CPA financial planners, the opportunity is significant: increase
Jeff Levine on the Planning Tug-of-War: Income vs. Estate
In this episode, host Cary Sinnett is joined by Jeff Levine, CPA, CFP, a nationally recognized tax planning thought leader, to examine one of the most persistent dilemmas in personal financial planning: the tension between income tax strategies and estate tax minimization. They explore why these two priorities often conflict and walk through practical examples CPA financial planners face when
Carl Richards on Precision and Purpose
What happens when technical excellence meets deep human empathy? In this episode, Carl Richards, CFP®, author of Your Money and creator of the famed "Sketch Guy" column in The New York Times, joins host Cary Sinnett to explore how CPA financial planners can foster trust through simplicity, storytelling, and purposeful conversation. Carl shares how sketches can cut through complexity, how pl
Smart Planning with AI: Real-World Strategies with Chris Benson
Artificial intelligence is transforming how CPA financial planners approach research, analysis, and communication. In this episode, Chris Benson shares how he moved from curiosity to confident integration of AI in his daily practice. He explains how AI helps him generate first drafts of client communication, brainstorm planning strategies, and reduce research time from hours to minutes. Chris
How CPAs Are Shaping the Future of Financial Planning with Jimmy Williams
Jimmy Williams, CPA/PFS, shares how the role of the CPA is evolving from compliance technician to holistic financial planner. In this episode, Jimmy and host Cary Sinnett explore how trust, technical excellence, and human connection are converging in a new era of planning, and why CPAs are uniquely positioned to lead it. · Learn how CPAs can step into their fullest potential as advisors.
Deadlines, Deductions & Decisions: Year-End Planning for the New Tax Era with Bob Keebler
Bob Keebler joins Cary Sinnett to unpack why this year-end is anything but routine. With shifting tax thresholds and surprise penalties lurking under the surface, every decision matters more than ever. This rapid-fire episode arms CPA financial planners with critical year-end strategies, from Roth conversions to trust distribution traps. Don't miss your chance to finish strong and plan ahead w
Wealth, Meaning and the Future of Advice with Dr. Brian Portnoy
Building wealth is one thing. Defining what wealth means is another. In this episode, Cary Sinnett sits down with Dr. Brian Portnoy, one of the world's leading experts on the psychology of money, to explore why the future of financial advice isn't just about technical expertise — it's about emotional intelligence, perspective, and purpose. Brian unpacks his powerful concept of "funded contentm
Building Financial Capability Across Generations
When families look to CPA financial planners, they're often asking more than just tax or investment questions. They want to know: Will my kids be ready when it's their turn to inherit? In this episode, Cary Sinnett welcomes Mindy Kalinowski Earley, consultant to ultra-high-net-worth families and Chief Learning Officer at Family Office Exchange. With two decades of experience at the intersection
The Exit Blueprint: Strategies to Maximize Value and Minimize Risk
When business owners skip exit planning, the fallout can be brutal; value lost, families divided, legacies diminished. But with the right strategy, an exit isn't chaos, it's a launchpad: valuations climb, transitions smooth out, and owners step confidently into their next chapter. In this episode of the AICPA Personal Financial Planning Podcast, host Cary Sinnett welcomes Daniel D. Meiklejohn, JD,
Portability Denied: The Compliance Misstep That Cost Millions with Bob Keebler
What happens when one overlooked detail turns a thoughtful estate plan into a multi-million-dollar tax disaster? In this episode of the AICPA Personal Financial Planning Podcast, nationally recognized tax and estate planning expert Bob Keebler joins Cary Sinnett to unpack the cautionary tale of Estate of Rowland v. Commissioner. Despite well-crafted trusts and modest estates, a simple misstep in m
A New Kind of Deduction: Advanced Planning Strategies for a Changed Tax Code
Jeff Levine joins us to break down one of the most surprising features of the new tax law: a brand-new type of deduction that could significantly change the way we think about AGI thresholds, phaseouts, and entity planning. In this episode, we unpack how the latest changes in the tax code are opening up advanced strategies for clients, and where financial planners need to stay sharp to avoid steal
Future-Proof Your Firm: Attracting Gen Z to CPA Financial Planning
The pipeline is aging—and the profession is feeling the pressure. But what if Gen Z isn't just the next wave of talent, but the spark that transforms your practice? In this energizing episode, Cary Sinnett sits down with Sherron Permashwar, CPA and founder of The Modern Savvy CPA, to unpack why recruiting Gen Z isn't just important—it's essential. Sherron brings her insight as a 27-year CPA veter
Disaster-Proofing Your Clients' Finances: Lessons from the Front Lines
When disaster strikes—wildfire, flood, earthquake—will your clients' finances survive the storm? In this episode, host Cary Sinnett speaks with Mitch Freeman, CPA/PFS, a nationally recognized advisor with firsthand experience navigating the financial aftermath of natural disasters. Mitch shares practical insights on: · Proactive steps to prepare clients financially for disasters · In
BBB Crossover Special: How the New Tax Law Changes Everything for Your Clients
The One Big Beautiful Bill Act is no longer a proposal, it's the law. That means CPA financial planners must shift gears fast. In this special crossover episode of the AICPA Personal Financial Planning Podcast and the AICPA Tax Odyssey Podcast, host Cary Sinnett is joined by nationally recognized experts Bob Keebler and Mark Gallegos to break down what the new law really means for your clients and
Latest tax proposals: Real-time tax and financial planning conversations
In this special crossover episode between the AICPA's Tax Section Odyssey and PFP Section podcasts, April Walker is joined by Bob Keebler and Mark Gallegos to break down the fast-moving tax legislation landscape. They walk through key provisions in both the House's "One Big Beautiful Bill Act" and the Senate's proposal, sharing what matters most for client conversations right now. Topics include:
Turning Panic into Trust with Dr. Lurtz
When markets are volatile, your clients look to you for clarity—but before they can truly hear your technical advice, they may need something deeper: to feel emotionally steady and heard. In this episode, Dr. Meghaan Lurtz, behavioral scientist and partner at Shaping Wealth, joins host Cary Sinnett to explore the power of a question-led approach for CPA financial planners. You'll learn how leading
Volatile Markets, Smart Estates: Keebler's Top Tax Plays
When the markets swing, smart estate planning can make or break your client's legacy. In this episode, Bob Keebler, CPA/PFS, joins Cary Sinnett to reveal the overlooked tax moves CPA financial planners need to know—from the strategic use of the Alternate Valuation Date (AVD) to avoiding costly missteps with the Kenan Doctrine. Learn how the 645 election can shift tax treatment in your favor, why t
How to Talk to Your Kids About Your Estate Plan
As CPA financial planners, we often encounter a painful reality: adult children who are surprised, or even hurt, by their parents' estate plans—after it's too late for discussion. In this episode, Cary Sinnett speaks with Kelley Long, a respected fee-only financial wellness coach and former bank trust officer, about how proactive communication can help families preserve relationships and honor int
Financial Gratitude: The Behavioral Advantage Every CPA Planner Should Leverage
In this thought-provoking episode, Dr. Meghaan Lurtz joins Cary Sinnett to explore a deceptively simple concept with powerful implications: financial gratitude. Discover how shifting the conversation from scarcity to sufficiency helps clients make better long-term decisions, build trust, and find meaning in their financial journey—especially in volatile times. 💡 What You'll Learn: Why gratitude
Business Exit Transitions for CPA Financial Planners
Host Cary Sinnett and business transition advisor Mike Benedict discuss how to prepare business owners for one of their largest lifetime transactions—exiting their business. The conversation covers key aspects of pre-transaction preparation, valuation methods, building a sell-ready business, and leveraging tax strategies to maximize outcomes. Key Insights Pre-Transaction Preparation: Use a tho
When theft gets taxing with Bob Keebler
In this episode, Cary Sinnett is joined by renowned CPA and tax expert Bob Keebler to unpack the complexities of theft and casualty loss deductions under IRC Section 165. From pig butchering scams to IRA fraud and Ponzi schemes, this episode dives deep into the kinds of losses the IRS will—and won't—let you deduct, what qualifies as a profit motive, and how financial planners can guide their clien
Estate Tax Repeal & Its Impact on Planning
In this episode of the AICPA Personal Financial Planning Podcast, host Cary Sinnett speaks with expert CPA estate planner Bob Keebler about the latest legislative efforts to repeal the estate tax. They discuss the implications for financial planners, strategies to consider, and how advisors can proactively help clients navigate potential changes. Key Takeaways: Estate Tax Repeal on the Horizon B
Additional Social Security Payments for Some Clients
Cary Sinnett and Dan Snyder discuss the repeal of the Government Pension Offset (GPO) and Windfall Elimination Provision (WEP), major changes impacting public workers, spouses, and retirees. Learn who is affected, how to claim retroactive payments, and key financial planning strategies. Key Takeaways: Who's Affected? Retired public workers, teachers, police, firefighters, and spouses previously
Estate Planning & Portability
In this episode of the AICPA Personal Financial Planning Podcast, Cary Sinnett welcomes Bob Keebler, a nationally recognized expert in estate and tax planning. Together, they break down the critical topic of portability in estate planning—what it is, how it works, and why it matters for both financial planners and clients. Key Insights: Portability: Use It or Lose It – If you don't elect porta
Advancing CPA Financial Planning: Insights from Leaders Brooke Salvini and Oscar Vives
Welcome to the AICPA Personal Financial Planning Podcast, hosted by Cary Sinnett. In this episode, Cary is joined by Brooke Salvini, Chair of the Personal Financial Planning (PFP) Executive Committee, and Oscar Vives, Chair of the PFS Credential Committee. Together, they dive into pivotal advancements in CPA financial planning, including the integration of Personal Financial Planning into the CPA
Education Funding {PFP Section}
In this episode of the AICPA Personal Financial Planning Podcast, host Cary Sinnett welcomes Dr. Ross Riskin, Chief Learning Officer at the Investments & Wealth Institute and author of Guide to Education Planning. They dive deep into education planning strategies, including the benefits and complexities of tools like 529 plans, the importance of multi-generational funding conversations, and how to
Deeper CPA Financial Planning Connections | Celebrating 30 Years in the Industry {PFP Section}
This milestone episode celebrates 30 years of professional growth and client success, highlighting the dynamic evolution of the financial planning profession and the firm's commitment to innovation and excellence. Five Key Takeaways: The Evolution of a Career in Financial Planning: Growth and succession is vital for a long-lasting impact. Lyle Benson introduces his son Chris. Chris Benson shares
The Power of Client Communication: 4S Framework for Financial Planners {PFP Section}
In this episode, Cary Sinnet and Mark Gochnour explore how effective communication builds trust and sets financial planners apart. Mark introduces the 4S Framework—a powerful tool for connecting with clients and simplifying complex concepts. Key Takeaways Why Communication Matters: Builds trust, fosters engagement, and differentiates you from competitors. Avoid overloading clients with technical
Understanding Bitcoin: A CPA's Perspective
Mark Astrinos and David Oransky discuss Bitcoin's role in modern investing, addressing its speculative nature, practical uses, and potential as a long-term store of value. They explore how advisors and clients can approach Bitcoin thoughtfully, balancing skepticism with understanding. Key Topics Covered: Foundations of Investing: Saving vs. investing and the speculative nature of all assets.
Talking about Medicare {PFP Section}
Jim Sullivan from Pay4Care.org discusses significant changes to Medicare's prescription drug coverage in 2025, particularly regarding the Medicare Part D plans and Medicare Advantage plans with drug coverage. Jim discusses key 2025 changes to Medicare Part D, including a new $2,000 out-of-pocket maximum for prescription drug costs. Beneficiaries can now opt for the Medicare Prescription Payment P
Intersection of Health and Financial Planning {PFP Section}
In this episode of the AICPA Personal Financial Planning Podcast, Cary Sinnett interviews Dr. Carolyn McClanahan, a physician and financial planner, on the importance of addressing healthcare in financial planning. They discuss how health and financial wellbeing are deeply intertwined, especially when planning for long-term care, aging, and unpredictable health events. Dr. McClanahan emphasizes th
Deeper CPA financial planner connections with Marianela Collado {PFP Section}
In this episode of "Deeper CPA Financial Planning Connections," Lyle Benson interviews Marianela Collada, CEO of Tobias Financial Advisors, about her career journey, the growth of her firm, and her role on the PFP Executive Committee. Marianela discusses her experience working with high-net-worth clients, the importance of estate and tax planning, and her approach to growing the firm's team and ca
Changes and clarifications with the SECURE Act final regulations {PFP Section}
Expert Bob Keebler, CPA PFS, breaks down the final regulations of SECURE Act 2.0. Difficult RMD questions are answered and complexities explained. What is the difference between RMD rules for an IRA owner who dies before their required beginning date (RBD) versus after their RBD under the SECURE Act? Who qualifies as an Eligible Designated Beneficiary (EDB), and how are they treated differently
Practical tips to help clients with unintended early withdrawals from 401(k) plans {PFP Section}
In this podcast, Kelley Long, a CPA financial planner, discusses two overlooked 401(k) scenarios that can lead to unexpected taxes or penalties: when someone leaves their job with an outstanding 401(k) loan, and when an employee's contributions are refunded due to plan testing failure. Kelley explains how to avoid penalties by making loan payments into a rollover IRA before the tax return deadl
Deeper CPA Financial Planner Connections, Lyle Benson {PFP Section}
Lyle Benson and his guests discuss how the upcoming AICPA Personal Financial Planning (PFP) Summit scheduled for January 2025 in Charlotte, North Carolina promotes the importance of networking and deepening our peer relationships. This 9th annual PFP Summit is an example of how connecting with other leaders through deep discussions on mutually beneficial topics can benefit both individuals and the
Digging Deeper with your Clients, Part 3 of 3 | {PFP Section}
In this final installment of Debra Taylor's Digging Deeper series, she focuses on tax planning. After reviewing the importance of a structured service calendar and proactive client communication, she outlines five essential steps for effective tax planning and highlights 20 key tax planning strategies. This is an approach to broaden your tax planning to addressing the financial planning needs of y
Deeper CPA financial planner connections with Karen Goodfriend {PFP Section}
In this episode, Lyle Benson and Karen Goodfriend discuss Karen's journey as a CPA financial planner, highlighting her transition from corporate aspirations to a focus on personal financial planning. Karen emphasizes the importance of integrating psychological aspects with technical financial planning, especially for clients experiencing sudden wealth. In this episode of the PFP Section podcast, L
Digging Deeper With Your Clients, Part 2 of 3 {PFP Section}
As a follow-up to Debra's webcast Planning for Clients with $1-15M in Net Worth, she discusses a much more organized approach for tax planning. A year-round planning calendar clearly shows how you apply tax planning to their financial decisions. The events encompassed in the calendar reinforce the key goals of a successful plan. As CPAs you talk tax planning, but here are ways to apply it with yo
Estate planning for the TCJA sunset of the double exclusion amount {PFP Section}
In this episode of the PFP Section podcast, Bob Keebler, CPA/PFS discusses strategies for estate tax planning in anticipation of the TCJA (Tax Cuts and Jobs Act) sunset on December 31, 2025. The sunset, which will reduce the double exclusion amount from approximately $14 million to $7 million and many practitioners will need to evaluate gifting for their relevant clients. Bob covers various tech
Digging Deeper with your Clients, Part 1 of 3 {PFP Section}
As a follow-up to Debra's webcast Planning for Clients with $1-15M in Net Worth, she discusses some important practice management considerations. An annual financial planning service calendar structures the delivery of client services and communication and is the foundation for adding valuable client relationships. Debra advocates for a systematic approach to client service, ensuring transparency
How to navigate forks in the road with more clarity, focus, and ease {PFP Section}
Life inevitably presents us with forks in the road, whether chosen or forced upon us. These transitions can be uncomfortable, requiring us to leave the familiar and step into the unknown. Whether guiding your clients through their life changes or experiencing your own, having a strategy can make these journeys less daunting. In this Deeper CPA Financial Planner Connections episode of the PFP Sect
Money Dates (PFP Section)
A recent CNBC survey of couples discovers that 64% admitted to being financially incompatible. A money date is a relaxed and open conversation about finances and goals. This is an important component to financial compatibility and avoiding potential conflict. It can benefit relationships of any length and open channels of communication with transparency and respect. Dave answers questions like:
Valuing life insurance policies for gift tax returns {PFP Section}
As we narrow in on the sunset of the Tax Cuts and Jobs Act, many practitioners will be suggesting that their relevant clients make gifts. In this episode of the PFP Section podcast, Bob Keebler, CPA/PFS, and Larry Brody, JD, discuss what needs to be known when valuing life insurance policies for the purpose of filing gift tax returns, including: What do we need to know about the IRS regulations?
Strategies to draw down excess 529 funds {PFP Section}
The SECURE 2.0 Act opened new doors for the use of 529 plan funds. Kelley Long discusses the impact of the changes on strategies available to clients using 529 plans. Not only does Kelley review the rules of rolling 529 plan funds to Roth IRAs, but also takes a step further to address the numerous related questions she has gotten on this strategy and other creative ways to draw down 529 plan fun
Deeper CPA financial planner connections with Kelley Long {PFP Section}
Kelley Long began her career in big 4 accounting like so many other CPAs. However, she had to quickly shift her path with the fallout that happened after September 11, 2001. Her roles as a bank trust officer and as a workplace financial wellness provider led her to her passion for coaching on the everyday money issues that clients have. In this episode of the PFP Section podcast, Lyle Benson inter
The best and worst things you can do with insurance – Part 2 {PFP Section}
In part 2 of this PFP Section podcast series, experts Lee Slavutin, MD, CLU, and Marty Shenkman, CPA/PFS, JD, LLM share planning details to help you guide your clients in the following areas: The different perspectives on long term care (LTC) insurance that goes beyond the numbers to the psychological benefits. Why it makes sense to have every client go through the process of evaluating LTC insur
What to beware of with QTIP trusts {PFP Section}
Qualified terminable interest property (QTIP) trusts were created so that spouses could receive the benefit of the marital deduction while also setting aside resources for a surviving spouse and retaining control over what happens to the funds when the surviving spouse passes away. In this episode of the PFP Section podcast, Bob Keebler, CPA/PFS, and Paul Hood, JD, LLM, discuss the nuances of QTIP
The evidence-based qualities of admired advisors {PFP Section}
Do you want to be the trusted advisor who makes a meaningful difference in your client's life? One of the ways to do this is to get in touch with the qualities of being that you want to demonstrate consistently with your clients. In this episode of the PFP Section podcast, Steve Atkinson, Managing Director with Admired Leadership, shares the behaviors that admired advisors have that separate them
Deeper CPA financial planner connections with Dr. Moon and Lyle {PFP Section}
The tables are turned on Lyle Benson, CPA/PFS, in this episode of the PFP Section's Deeper CPA Financial Planner Connections series. Dr. Haesun Moon, communication scientist, educator, and author, interviews Lyle to pull out the gold threads of his professional story. They discuss: Lyle's story of beginning in tax and his why behind diving into financial planning at age 29 and starting his own fi
The why, what, and how behind legacy planning for your clients {PFP Section}
CPA financial planners help clients live meaningful lives and pass on their legacy. Often, estate planning is heavy on the practical and complex elements that can be seen as the housekeeping of who gets what and when. What we don't always explore is the deeper why behind the estate planning. The good news is that you can coach clients to discover their legacy so that it can be communicated and so
The best and worst things you can do with insurance – Part 1 {PFP Section}
Proper insurance planning is one of the most overlooked areas of personal financial planning. In part 1 of this PFP Section podcast series, experts Lee Slavutin, MD, CLU, and Marty Shenkman, CPA/PFS, JD, LLM share planning details you will want to know, including: Buying the adequate amount of life insurance Using whole life insurance as a way to save, to diversify client portfolios, and to prote
Happy 2024 from the PFP EC and PFS CC chairs! {PFP Section}
PFP Executive Committee (PFP EC) chair, Brooke Salvini, CPA/PFS, and PFS Credential Committee (PFS CC) chair, Oscar Vives, kick off the New Year in this episode of the PFP Section podcast. They answer the following questions: What did you learn in 2023 that was meaningful to you personally and professionally? What were the PFS CC and PFP EC milestones in 2023? What is the PFP Division celebrating
Deeper CPA financial planner connections with Jim Shambo {PFP Section}
Jim Shambo is one of the pioneers of the CPA financial planning profession, the PFP Section, and the PFS Credential. He has a lot of insight to offer on many topics that can be useful takeaways for listeners. In this episode of the Deeper CPA financial planner connections PFP podcast, Lyle Benson facilitates a discussion with Jim to share the highlights of his story. The conversation includes the
Inherited IRA RMD clarity for 2023 and 2024 {PFP Section}
Ed Slott, CPA, and Bob Keebler, CPA/PFS, discuss the complicated inherited IRA RMD rules and what is required in 2023 and 2024 in this episode of the PFP Section podcast. Ed and Bob provide clarity in the following areas: An easy formula to use to get clear on all of the elements that need to be considered The only scenario in which penalty relief is available when the RMD is not taken Who must
Crucial issues related to disability and long-term care insurance {PFP Section}
150 million Americans live with chronic illness. And yet, disability and long-term care (LTC) insurance are often overlooked in planning with clients. In this episode of the PFP Section podcast, experts Lee Slavutin, MD, CLU and Marty Shenkman, CPA/PFS, JD, LLM share the most important considerations for client planning, including: What three riders are important to have on a disability insurance
Life insurance planning strategies for businesses {PFP Section}
You can give your clients tremendous value by guiding them with their life insurance planning, even if you're not an insurance expert. In this episode of the PFP Section podcast, Ed Mendlowitz, CPA/PFS, interviews expert Lee Slavutin, MD, CLU to share strategies for businesses. Ed poses the following questions to Lee: What are the advantages of having life insurance in a qualified plan for a busi
Deeper CPA financial planner connections: Our history and our future: Part 2 {PFP Section}
This is part 2 of the PFP Section podcast that marks our CPA financial planning history and celebrates the journey of where we've been to take us into the future. We once again invited other AICPA volunteer leaders into the discussion to help us share our story. In this episode, Lyle Benson, CPA/PFS, Andrea Millar, CPA/PFS, and other CPA financial planners discuss: What are the investment adviser
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