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What if the are deceased

This was a really good word Scott. I’m gonna pass it on to a few people.

Remember if someone is a ChFC but NOT also a CFP, it’s probably because they are unable to pass the CFP exam.

The CFP website diminishes the ChFC a bit, basically saying that the CFP is the "standard of excellence" and implying that the ChFC is lesser. Most independent sources rank them exactly the same, and some even point out the ChFC requires more testing. I agree the CFP is a mark of excellence, however it does not stand alone as the standard, the ChFC shares the same spot at the top. No dis on the CFP, only respect, however the ChFC is not the little brother to the CFP, they are identical twins.

I noticed that if you become a Certified Financial Planner and if you take an additional 3 classes you can become a ChFC.

Would a strategy that could hold some merit (assuming the portfolio was large enough) was to be invested in a fund that pays good dividends (think Vanguard's dividend appreciation fund). During the good years dividends would go as cash to the client's bank account for spending while during the bad years they would be set to reinvest and the client could live off those dividends from the good years. Maybe combined with an annuity for consistent income as well. Thoughts? Thanks!

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In a case where a fraudulent Trust was created through Undue Influence & Lack of Capacity: Let's say the document is determined to be VOID by the court and the valid pre-existing Trust is accepted as the correct one. How do the beneficiaries then collect their rightful inheritance? Does the probate judge order the stolen assets to be returned and distributed according to the valid Trust document terms? How does that work? It gets extremely complicated when there's a 'bad Trustee' who is adversarial towards the beneficiaries and steals all the Trust assets.

What if you borrow $900,000 from a $1mm life insurance policy and then transfer the policy to an ILIT and do not make any payments on the outstanding loan?

why do you look and sound like bob proctor

Could you explain the negative impact of sequence of returns risk during the accumulation phase of a portfolio, investing in index funds with 60:40 equity:debt allocation for a 25 year investment duration for retirement and how to deal with it

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Here is a way for donor to give and get lifetime of tax advantaged income. Fewer individuals have a pension and this is one way to address the need for real income stream in crazy financial markets.

Do you need a bachelor degree for the chfc

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