TORONTO SPRING SUMMIT- May 28 & 29, 2013| Toronto Congress Centre| 650 Dixon Road| 8:30 a.m. - 5:45 p.m. (May 28), 8:30 a.m. - 3:15 p.m.(May 29)

Click here to register for the Summit : IFB Members - $145 / All others $199 Father's Day (Early) Special until Monday May 21!

NEW! For those who want to attend the Summit but don't need the CE credits, we're now offering a "No CE" option! Attend as much or as little as you'd like for only $50 -- perfect for your assistants, those considering a career in the financial services industry, or if you already have your full complement of CE hours and just want to come for the networking opportunities! Click here to register today!

Hotel Information:
Holiday Inn Toronto Airport East
600 Dixon Road, Toronto ON M9W 1J1 | Phone 416-240-7511/1-800-491-4656 (ask for in-house reservations) |Rate: $115 single/double incl. parking | Quote: IFB | Cut off date: April 26, 2013

Radisson Suite Hotel Toronto Airport
640 Dixon Road, Toronto ON M9W 1J1 | Phone 416-242-7400/1-800-333-3333 |Rate: $119 Deluxe/$129 Deluxe Exec./$145 Business Class incl. parking | Quote: IFB13 | Cut off date: April 20, 2013

SOLD OUT! Stay for dinner! Plan to attend the Pub Night Networking dinner at Jack Astors on Tues. May 28 -- transportation is provided, and tickets are only $29.50 incl. tax! If you are interested in attending the Pub Night dinner, email us and we'll add you to a waiting list for cancellations.

Check out the prix fixe Pub Night dinner menu here.

Participating Companies | Agenda: May 28 | Agenda: May 29

	Les Herr, Chairman of the Board of the Canadian Life and Health Insurance Association - Tuesday May 28, 2013 at 8:30 a.m.	The Canadian Life and Health Insurance Industry: Issues and Trends IFB is pleased to welcome Les Herr, Chair of the Canadian Life and Health Insurance Association, as our kick off speaker at the Toronto Summit. He will address the industry's changing role in Canadian society and some of the major issues facing the life insurance industry today, including the impact of international market conduct standards on the Canadian marketplace. As an example, in 2013, Canada is facing an audit of its market conduct, compliance and supervision practices by the International Monetary Fund. Closer to home, the CLHIA has been working with insurance companies and the Canadian Association of Independent Life Brokerage Agencies (CAILBA) to develop a standardized compliance standard for MGA contracts that will streamline these activities for agencies and brokers.
	Chris Mathers, expert on fraud, terror, and money laundering Wed.May 29, 2013 at 2:15 p.m.	``But I Don't Want to be a Compliance Officer" - How to survive a FINTRAC audit (RIBO Management) The regulatory environment has become more hazardous. FINTRAC no longer focuses on providing education and support and now takes a no nonsense attitude toward compliance monitoring and enforcement. Chris Mathers will demonstrate just what bad things led to the implementation of anti-money laundering and anti-terrorist laws in the first place. How does fraud, bribery, drug trafficking, money laundering and terrorism impact on the day-to-day activities of independent financial professionals? Since you are your own compliance officer, how do you minimize the risk and still not spend half of your day on activities that don't make you any money? Using case studies and real-world examples, Chris will take you on a tour of the criminal and terrorist underworld, explaining just what the threats are and how you can recognize and avoid them.

Free The Tiger: How To Succeed In The BIG Idea Economy (RIBO Personal Skills)
Bill Bishop
Bishop Communications Inc.
Would you like to double your income and work 50% less? Would you like to work with more high-quality clients and feel more fulfilled in your work? If so, you need to free your tiger and take advantage of today's BIG Idea economy.Most financial advisors today are like a tiger trapped in a cage,"" says Bill Bishop. ""They have so much potential, but they not achieving it because they are using an obsolete product-first business model. Faced with increasing competition and the commoditization of their products and services, product-first advisors are experiencing falling incomes and diminished opportunities. However, advisors who use a BIG Idea business model—built around ideas rather than products—are enjoying much greater economic opportunities. In this presentation, Bill Bishop explains the limitations of the old product-first business model, and why the new BIG Idea business model is much better adapted to today's 21st Century marketplace. He gives many examples of how financial advisors packaged compelling big ideas, and as a result, increased their income. Attend this presentation, and learn how to achieve your full potential by freeing inner tiger.

5 C’s of Credit
Philip Jang
B2B Bank
For advisors to understand the criteria lenders use to evaluate creditworthiness, and ultimately enable them to recommend credit products with confidence.Sales representative will go through the presentation and conduct a question and answer period at the end open to the group.At the end of the course, advisors will have recognized the value of understanding the credit evaluation cycle and will, in turn, be better enabled to provide the right products and investment advice to their clients. These learnings provide value-added information integral to the IPFP development process.

Investing for Income and Stability
Peter Figura
Centurion Apartment REIT
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.

5 Proven Sales Ideas to Increase Business! (RIBO Personal Skills)
Jordan Rosenberg
The Personal Coach
As an advisor, growing your business is always top of mind as it is the key to your business longevity. But easier said than done. Business growth requires planning out a strategy and effective implementation. In this presentation, Jordan Rosenberg - Coach at The Personal Coach, will discuss the common road blocks we see in the way of new client acquisition and existing client growth. He will take you through 5 effective sales ideas and provide some implementation tips.

Insurance for Privacy Breaches: What it is, and Why You Need it. (RIBO Technical)
Roberta Tasson
The Magnes Group
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.

Investing in the Path of Development
Matthew Morton
Walton Capital Management Inc.
With more than 30 years of experience, the Walton Group of Companies (Walton) has grown to be one of North America’s leading real estate investment groups, creating land-based investments for individual and institutional investors worldwide. Matthew Morton will speak to Walton’s expertise in the research, acquisition, management and development of strategically located land in the anticipated development path of major North American growth corridors. Walton’s simple, yet disciplined approach remains true to the core principles that have brought us to where we are today, and for more than 30 years, has served our company, our clients and our partners well.

Are You Ready for Point of Sale (POS) Disclosure Reform?
Paul Walker
IFS Technology Inc.
1. What is point of sale disclosure reform?(Background; Staged implementation) 2. What has already happened? 3. What is the next step? 4. How does this impact advisors? 5. Demo of the Fund Facts POS application 6. Questions and answers

Special Risk Solutions: Insuring the Hard to Insure
Michael Taylor
Hunter McCorquodale, a div. of Simmlands of Insurance Services. Ltd.
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.

Non-Medical Life Insurance: An Introduction
Olivier Courteaux
Canada Protection Plan
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.

Anatomy of an E&O Claim (RIBO Technical)
George Georgiadis and Warren P. Cooney
AXIS Reinsurance Co.
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.

Investment Styles of the Rich & Famous
Michael Nairne
Tacita Capital Inc.
Michael Nairne shares what he's learned in his career to date - including three years in New York and Los Angeles advising celebrities and athletes - what the Rich & Famous Want from their Advisors.Using an actual case study, the audience quickly learns that the famous wealthy are much the same as the wealthy in general when it comes to their financial needs and concerns.

How Living Benefits Can Help to Protect your Clients' Finances
Max Mahardi
Ontario Blue Cross
Advisors do their best when it comes to protecting their clients in the event of death with life insurance. However, many people are not adequately protected for the financial hardship that
may result from an injury or sickness. This seminar will give you an overview of the health, drug, disability and long-term care options available to your clients. We will also give you an
in-depth look at the financial risks and exposure a family may have without proper protection.

Benefit Solutions for Small Groups Utilizing Individual Portable Benefits
Roy Ehlermann
Ontario Blue Cross
This seminar will explain the benefit options available to those who lose their group benefits for reasons such as retirement, downsizing and career change. We will explore the cost of
replacement benefit alternatives, managing the client's expectations when it comes to the cost, obstacles faced by those that have medical issues, as well as solutions for those
individuals. We will also look at the advantages of using individual, portable benefits specifically for small business owners, as an attractive alternative to traditional group benefits. Finally, we will look at some real-life examples of how Ontario Blue Cross used our Small/Medium Enterprise plan(SME) to help small business owners get the benefits that they needed for both them and their employees.

Why Whole Life?
Katherine E. Hill & Tara Proper
Equitable Life
Whole life sales continue to grow, now outselling UL in the Canadian Marketplace. Attend this session to learn why whole life sales are so strong and how the "participating Account" is managed and why it is a unique asset class that many clients should consider.

The Good, The Bad, and the Ugly: Ready to Retire? Not so Fast!
Rick Forchuk
Empire Life
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 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.

Helping Your Astute Clients Invest Like the Banks
Peter Lantos, The White Knight Group
Are you satisfied with the performance of your clients' investments over the last three years, five years and ten years? Millions of Canadian investors have watched helplessly as their investments and retirement portfolios have vaporized and produced significant losses or mediocre returns over the last several years.Canadians would eagerly like to get off the investment roller coaster. They are desperately looking for:1) Secure investments that produce more than the low yields of the bond market and meager returns from money market funds and GIC's, and 2) Greater stability than the volatile stock market has provided them.

CHAPTER TWO: The Dynamics of Demographics: The "Rifle Approach" to Prospecting (RIBO Personal Skills)
John Dargie
IFB
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.

Beneficially Yours: Making Good Use of Beneficiary Designations on Insurance Products and Tax Deferred Saving Plans
Arthur Fish
Borden Ladner Gervais LLP
Arthur Fish is a partner in the Toronto office of Borden Ladner Gervais LLP, and the Manager of the Toronto Regional Wealth Management Practice. Always a popular Summit speaker, Mr. Fish takes complex legal matters and discusses them in an engaging and approachable way. This Spring, he'll address beneficiary designations on insurance products and tax deferred savings vehicles like RRSPs and RRIFs. This is always a lively and interactive session, so come prepared with your questions!

Business Insurance: Working with Business Owners
Jorge Ramos
Industrial Alliance
Jorge Ramos, Director of Advanced Marketing, will speak about working with business owners. Topics covered include: business structures and taxation, professional corporations, the mechanics of corporate policies, accounting for corporate owned policies, corporate financial statements, and the advantages and disadvantages of Corporate Owned Life Insurance.

The Mortgage Markets
Albert Collu
Canada Mortgage Investment Corporation
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!

Imposing a Statutory Best Interest Duty: What could it mean for you, your business and your clients?
David DiPaolo
Borden Ladner Gervais LLP
Securities regulators in Canada are engaged in several consultations which may well change the way advisors, dealers and fund companies deal with investors and impact on how you deal with your clients. One such consultation is examining whether securities advisors should be held to a higher standard of care when advising retail clients. This standard would change from the existing 'suitability' standard to a 'best interest' standard. A best interest standard approaches a fiduciary duty - which is a higher legal standard. David is a well-known lawyer whose practice focusses on securities issues affecting brokers. In this presentation, David will explore why regulators are looking at the pros and cons of this change and what it could mean to you as a securities or mutual fund registrant. This is an important discussion which, if you are an advisor or dealer, you need to know about.

Investing in Real Estate 2013
Zafar Khawaja
FDS Broker Services Inc.
This presentation will look at investing in real estate as an option for your clients. The current real estate market in the GTA will be discussed, as well as condo sales in the past 5 years and the forecast for the future. Zafar Khawaja will look at the Canadian real estate economy, and provide an overview of syndicated mortgages, along with risk assessment and some examples of current projects.

Build a Better Benefits Plan – Deliver the Custom Solution the Other Guy Can’t
Robert Crowder
The Benefits Trust
Small and mid sized benefit plans are quickly becoming a commodity. Producer competition is becoming fierce. Separate yourself from the pack. Come to this session to learn how to help your client build a customized benefit plan solution. You will also learn new strategies to help strengthen your client relationship, increase your per-case profit, and keep your competition scratching their heads wondering how you do it.

High Limit Disability Solutions
Joan Hein
Sutton Special Risk
Some Canadians still struggle to see the need for disability insurance. However, the statistics illustrate the importance of having adequate levels of coverage in place to protect employees and their families in the event of a serious illness or injury resulting in an inability to work. Many don’t realize the low limits imposed by their group plans, and could face financial hardship if disabled for even a relatively short period of time. Join us as we look at the application of High Limit Disability Insurance, its underwriting requirements, and tax treatment.

Kidnap for Ransom Crisis Management (RIBO Technical)

As a follow up to their presentation series "Kidnap and Ransom 101 - An introduction to K&R Insurance" in 2011, Hunter McCorquodale brings you this educational presentation featuring Mark Harris, Director, Crisis Response Services, for Olive Group (www.olivegroup.com ). Mr. Harris, a 17+ year veteran in the Kidnap for Ransom Crisis Management field and former member of the British Army, has deployed on over 130 kidnappings and 19 vessel hijackings around the world,. Prior to his work as a kidnap and hostage crisis negotiator, Mr. Harris himself had been taken hostage by the Khmer Rouge and threatened with execution while on loan to the United Nations. Both his extensive personal and professional experience will serve to provide us with real life anecdotes which will highlight the issues to be managed by those facing kidnap for ransom and hostage situation around the world, global hotspots and the latest trends in this risk area. He will outline the concerns and agendas of the various participants and how these are best managed to ensure the safe and timely release of victims while maintaining an organization's reputation and legal standing. For those who missed the introduction series and are new to the Kidnap and Ransom insurance product, Hunter McCorquodale's own Sophie Strezos-Egnatis, VP Business Development will provide a brief overview of the features and benefits of the product to give context to Mr. Harris' talk.

Plus many more! Check back often for updates!

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