Click here to Register : IFB Members - $80 / All others $105

New for CFP® professionals! The IFB Alberta Spring Summit qualifies for 7.5 hours of FPSC-approved CE!

Hotel Information:
Coast Plaza Hotel
1316-33rd Ave. NE, Calgary AB T2A 6B6 | Phone 1-800-661-1464 |Rate: $129 single/double | Quote: CPC-GFC16689 | Cut off date: April 5, 2013

The 2013 Spring Summit promises to be one of the best EVER. The Alberta Spring Summit offers:
•Up to 7.5 hours of Continuing Education for Life, A&S, and 5 hours for General certificates, plus 7.5 hours of FPSC-approved CE for CFP® professionals!
•Exhibit area where you can network and learn about new products and services that will help you work smarter.
•Variety and choice -- up to four breakout sessions in each timeslot so you can tailor your Summit to suit your individual interests.

Participating Companies | Agenda

Presentations at the IFB Alberta Spring Summit include:

The Good, the Bad, and the Ugly: Ready to Retire? Think Again!
Rick Forchuk, Empire Life
ID# 35930 (Life, A&S)
Recent data and Canadian research has shed interesting light on the plight of Pre-retirees and those on the cusp of taking the retirement step. This presentation outlines the common pitfalls that haunt those in their planning phase and it it focuses on the key money-drainers that prevent a comfortable and secure retirement. The enemy? Those closest to you! It looks at the attitudes of this cohort towards their financial advisors, at where those advisors come from, and just how much help those advisors have been. A hint on that - not much help! What can the advisor do to turn that around? Four simple steps. But the simple things are often among the most difficult.

3 Investment Strategies that Maximize Value
Kevin Wheeler, Clear Sky Capital Inc.
ID#35931 (Life)
The focus of this presentation is sharing simple financial planning strategies that will reduce the risk for investors. Investment strategy #1 - Diversification: Discussing the strengths and weaknesses of Asset Allocation models; Investment strategy #2 - Insurance Products: Using Segregated Funds and Life Insurance to reduce the risk of exposure to clients; Investment strategy #3 - Timing/Maturity: Investing in laddered maturities and investing during economic cycles.

The Dynamics of Demographics: The "Rifle Approach" to Prospecting
John Dargie, IFB
ID# 35932 (Life, A&S, General)
For new brokers, or those looking to upgrade their market, the independent brokerage business can be both attractive as well as challenging. How does a broker establish a market, and more importantly, what are the habits of a successful broker? John Dargie President & Chairman for IFB, personal producer, and Life Member of MDRT, has over 35 years of industry experience, 25 of which have been as an independent broker. If you are looking for a step-by-step solution to the prospecting puzzle, join John for this updated session. For the dedicated broker, this process has a proven track record.

Introduction to Private Health Service Plans
Rod Burylo, Olympia Benefits
ID# 35967 (A&S)
Rod will share with us the latest marketing presentations, personalized sales tools and online technology Olympia provides advisors in order to drive sales with Business Owners and Medical Professionals. Also learn how self-employed business people can deduct common medical expenses like dental costs, prescription glasses, travel medical insurance, contact solution and chiropractic treatments. DID YOU KNOW...these medical expenses can be provided to self-employed business people tax-free.

Non-Medical Life Insurance: An Introduction
Olivier Courteaux, Canada Protection Plan
ID#35906 (Life)
On average, 15% of all life insurance applications are either declined or rated. As a broker, what are your options? A wide range of non-medical life insurance products - whole life and term plans - are now available to hard-to-insure clients. This training session was designed to help insurance brokers and advisors better understand non-medical life insurance, including underwriting and claims processes. Our ultimate goal is to help you incorporate non-medical life insurance into your existing block of business.

Take Your Practice to the Top Level: Click with the HNW Client
Henry Hudek & Kim Gibson, Cardinal Capital Management Inc.
ID#35905 (Life)
We’ll look at how you can connect with high net worth clients by discussing separately managed money (SMA) vs. mutual funds and seg funds, using referral arrangements to position your practice at the pinnacle on the money side, as well as the compliance issues relating to referrals. We’ll also talk about the philosophy and process of investing and using IPPs in SMA to create a tax efficient retirement income model for Business Principals.

Solutions for the Mid-Market
William Plowman & Chris Hayter, Manulife Financial
ID# 35916 (Life, A&S)
This presentation will highlight how Manulife One and Synergy can work together to be a great solution for today's mid-market. Manulife One, a Manulife Bank product is an all in one banking solution designed to give you financial flexibility. Synergy from Manulife is an affordable 3-in-1 insurance solution that provides life, disability, and critical illness coverage to help protect your family should something happen to you. This presentation is in two separate parts, but when presented concurrently, they make a very compelling story to attract mid-market clients.

The Importance of Underwriting
Shana Snell, MedAxio Medical Insurance Services
ID# 35910 (Life, A&S)
A presentation explaining the inter-connected nature of quality field underwriting and the paramedical process.  The advisor will gain insight into the process of preparing clients for the insurance medical procedure, as well as the benefits of quality field underwriting for the broker, client and underwriter.  We’ll talk about some unique services that we can offer, and some exciting changes given the new relationship with a major Canadian laboratory.

Special Risk Solutions: Insuring the Hard to Insure
Michael Taylor, Hunter McCorquodale, a div. of Simmlands of Insurance Services. Ltd.
ID# 35911 (Life, A&S)
Every year roughly 1 in 20 life insurance applications and more than 1 in 10 disability insurance applications in Canada are declined. Advisors may want to explore every possible option when this happens to one of their clients. Although not always well known, there are markets that can provide alternative solutions in the majority of these situations. The presentation begins by talking briefly about regular market risk management guidelines and reinsurance. The presentation is comprised of three key areas: Disability Insurance; Life Insurance; Other Special Risk products. We look at underwriting concepts, and guaranteed issue, simplified issue, and specialty designed products are discussed. Also discussed are underwriting issues such as medical, high limit, travel/residency, age, occupations and avocations. What are limits and guidelines (both medical and financial)? How are clients affected, and what options do they have? Attendees will be introduced to the world of Lloyds of London, the world's largest insurance marketplace, and the presenter can share insights into both real (i.e. insuring Hockey players) and promotional (i.e. insuring JLo's bottom) insurance solutions at Lloyds. For most advisors, the need for special risk markets is not something that they will require on a day to day or weekly basis, however, it is almost certain that all advisors will have an application declined. Attendees will leave with a a better understanding of what to do the next time they cannot source coverage through their regular suppliers.

International Insurance 101: What to Look for. What to Ask.
Mark Johns, Special Risk International Insurance Cons. Ltd.
ID# 35915 (Life, A&S)
Do you have a client(s) with employees posted outside their country? Are you pulling your hair trying to wade through the minefield of different markets who profess to provide a product? Do you see odd exclusions in quotes, contracts and wonder what is normal? Mark Johns, Vice President of Special Risk International will highlight what to look for and what to ask when you are looking into coverage for your clients who may have expatriate, rotational or international travel employees. You may not become an expert after this session but you will have a better understanding of what to consider.

Insurance for Privacy Breaches: What it is, and Why You Need it.
Roberta Tasson, The Magnes Group
ID# 35909 (Life, A&S, General)
It was recently said that there are only two types of businesses: those that have been hacked, and those that will be. That statement applies to all businesses (including yours) – not just corporations – and as advisors, none of us are immune. And privacy breaches aren’t just caused by cybercriminals. Just as often, they are the result of human error, software glitches, or the loss or theft of files. Join Roberta for this eye-opening presentation in which she’ll walk you through the exposures all advisors face, privacy law in Canada, and the available coverage for this risk.

Increasing Your Bottom Line
Jenny Chan, Equitable Life Life of Canada
ID# 35927 (Life, A&S)
Discover how it can benefit your clients and learn various ways of increasing your revenue with options and strategies that will be discussed. We'll look at term plan exchange, the benefits of CI for both adults and children, and the advantage of term protection. As well, we'll explore two case studies: giving the gift of insurability with par Whole Life for children, and blended coverage (term/Whole Life vs. just Universal Life). We'll also update you on what is new in underwriting.

Build the Ultimate Team! Strategies to leverage your time and unique talents
April-Lynn Levitt, The Personal Coach
ID# 35928 (Life, A&S, General)
Whether you have one part-time person or a team of ten, this session will give you the secrets of a top-performing team based on our experience coaching successful advisor teams across Canada. We will look at why teams are so much more productive, key trends we are seeing in the industry, the common mistakes advisors make when hiring and managing staff, and if you don't have a team in place, how to build one!

Investing for Income and Stability
Peter Figura, Centurion Apartment REIT
ID#35929 (Life)
With the stock market volatility over past few years, and interest rates at historical lows investors are looking for investments that would provide them with capital preservation, regular income distributions, and tax-advantages income. This presentation will focus on investing in one of the safest sectors of the real estate, rental properties, explains how investors can diversify their portfolios into real estate without stock market overlay, and explains tax efficiency of REIT investing.

Alberta Insurance Council Update
Warren Martinson, Alberta Insurance Council
ID# 35912 (Life, A&S, General, Adjuster)
As Director, Legal and Regulatory Affairs for the Alberta Insurance Council, Warren Martinson has unique insight into life insurance regulation both provincially and across Canada. He will provide an overview of what's new in Alberta insurance regulation, as well as a forecast of what to expect in future months and years.

Tips and Traps when usings Trusts in Estate and Business Planning
Melanie McDonald, Borden Ladner Gervais LLP
ID#35913 (Life, A&S)
Topics to be discussed: o What elements are required for a properly created trust? o Tax issues to review when creating a trust and, in particular, the tax attribution rules
o Review of types of trusts used in estate and business planning - including insurance trusts, spendthrift trusts, asset protection trusts, private foundation trusts and trusts created for probate and estate tax minimization and income splitting
o Change of trustees - change of control from a tax perspective?
o What are the tax and other limits of amending a trust once created?
o What ongoing obligations to trustees have to beneficiaries, including reporting and trust accounting?
o How can trusts be challenged in the Court?

Anatomy of an E&O Claim
George Georgiadis and Samuel Lee, AXIS Reinsurance Co.
ID# 35914 (Life, A&S, General)
Everybody tells you to practice defensively in order to avoid E&O claims, but nonetheless, claims do arise. Sometimes the circumstances of these claims can be instructive. We'll use some real-life claims examples to point out some of the pitfalls that advisors face, and how you can learn from them to avoid ending up in the same situation.

Buidling Your Business Through the Exempt Market Industry
Craig S. Burrows
TriView Capital Ltd.

ID# 35966 (Life)
Craig will explain the exempt market industry, the pros and cons, starting with a look at how large pension and institutional funds invest. Many of your large funds like OMERS, CPP, Harvard & Yale moved some 20% - 40% of their funds away from the public markets and have invested in private equities, especially real estate. They’ve done this for three main reasons: returns in double digit figures over the last 10 years compared to a flat market, less volatility to the swings of the market, and as an inflation hedge, especially when it comes to real estate. This is about diversifying your client’s portfolio along with traditional investments like GICs, SEG funds, Mutual Funds, stocks, and bonds.

The Mortgage Markets
Albert Collu
Canada Mortgage Investment Corporation
ID# 35965 (Life)
Your clients need to either borrow money or Invest money – understand the business! Mr. Collu’s presentation will provide valuable information about the mortgage finance industry and how it impacts your clients. Your Clients Need to Either Borrow Money or Invest Money – Understand the opportunity!

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