Agenda - Tuesday September 16, 2025

6:30 AM - 7:45 AM

Breakfast and Registration in Grand Ballroom

7:45 AM Sharp - 8:00 AM

Your Emcee For The Conference

Mike Englert BA, B.Ed., EPC
Founding CIEPS Faculty Member, CIEPS Compliance Officer

Between 1981 and 2002, Mike developed and marketed insurance and investment products, in both Canada and the United States, for such companies as Manulife, Canada Life and Royal & SunAlliance. During most of his career he focused on the ultra-affluent and 60+ market segments. In 2002,

Mike and his wife Joan - both still in their forties and with young children at home - traded in their careers for what has proven to be a very comfortable retirement.

Mike is a founding member of both the Canadian and American Initiatives for Elder Planning Studies. He is an accomplished speaker who has spoken at hundreds of diverse events across both Canada and the United States. His talks focus on: the fiscal challenges of an aging population, the financial obstacles in the way of a healthy retirement, and the secrets to effectively marketing to and connecting with the elder population.

8:00 AM - 9:00 AM

Jay Morrow

Unlocking Generosity: Amplifying Impact with Life Insurance Charitable Giving

Life insurance can be a powerful tool for charitable giving, allowing individuals to significantly amplify their impact and leave a lasting legacy. By donating a life insurance policy, individuals can ensure a substantial gift to their chosen charity while potentially mitigating estate taxes. This approach allows for a more impactful donation than simply writing a check, as the death benefit can be a larger sum than what would be typically donated.

What will the advisor learn from this presentation?

Jay will show the advisors how to unlock the potential of generational giving through life insurance in this insightful presentation for insurance advisors.

We will explore how different generations - Baby Boomers, Gen X, Millennials, and Gen Z - approach charitable giving and how to tailor your strategies to meet their unique values and motivations.

Presentation Overview

In this presentation, you will discover innovative techniques that maximize philanthropic impact while offering tangible benefits, including tax advantages and long-term giving goals.

Jay will address how life insurance can be a powerful tool in charitable planning, and at the same time leave a lasting legacy.

Join us to bridge the gap between financial planning and philanthropy and empower your clients' generosity across generations.

9:00 AM - 10:00 AM

Bill Bishop

The 11X Advisor: How To Build A Successful Financial Service Firm In The New Economy

Old Factory Thinking: Traditional financial business models typically focus on producing and selling a single product or service. This product-first approach leads to intense competition, low profit margins, and limited growth opportunities. It also stifles your creativity and limits your opportunities for growth.

New Factory Thinking: Using this customer-first approach, you build your "new factory" around a "BIG Idea" rather than a specific product or service. You then set up a "value hub" to provide an eco-system of products and services, most of them provided by other companies. You also increase your sales per client by turning them into "program members". This new factory approach-used by Apple, Google, Amazon and Facebook - greatly expands the potential of your company.

If you want to change, then you need to learn New Factory Thinking, the new and better way to grow a financial service business. New factory thinking will help you make more money, attract more great customers, and scale your financial advisory firm 10x or more.

If this sounds exciting, join Bill Bishop, CEO of The BIG Idea Company, as he presents "The New Factory Thinker," the new and better way to create BIG Ideas and build the future business of your dreams.

What Will The Advisor Learn From This Presentation?

In this presentation, Bill will show us how to go from "Old Factory Thinking to New Factory Thinking"

There are 3 main reasons to attend this presentation:

1. Get big ideas - By opening up your mind with new factory thinking, your brain will start percolating with BIG Ideas, even while Bill is giving the presentation.

2. Rewire your brain for success - You will learn a whole new suite of future-forward business strategies that work great in today's technology-driven marketplace.

3. Feel inspired - You will leave the presentation with an exciting new perspective, feeling equipped to navigate the future with greater clarity and confidence. You will feel liberated from the chains of old factory thinking and be ready to build the future business of your dreams.

Presentation Overview

This inspiring & innovative presentation will show you how to:

1. Stand out in the marketplace by packaging your BIG Idea: something new, better and different that takes your value proposition to a much higher level.

2. Attract more prospects by inviting them into a free network community (like LinkedIn)

3. Increase your sales to each customer by turning them into program members (like Amazon Prime)

4. Generate passive income by connecting your customers with vendors in your value hub store (like the Apple iTunes Store).

Finally get your BIG Ideas off the ground by thinking big and starting small.

10:00 AM - 11:00 AM

Michael Danks CLU, AIIC, EPC

Getting Into The Small Business Market: Guaranteeing Your Future By Design

To successfully navigate the small business market, focus on developing a solid foundation before launching any promotional efforts. This includes defining your target audience, clarifying your value proposition, and establishing your brand identity.

Additionally, understanding the unique needs of small business owners and differentiating your services is crucial for attracting and retaining clients in this market.

Whether your clients and prospects are operating a startup or a long-running business, life insurance is a versatile tool that can help you achieve your business goals and safeguard your hard work.

For a small business, the passing of an owner or key employee can threaten the organization's very existence. Life insurance can help small businesses guard against the impact of unexpected tragedies, through mechanisms such as Split Dollar Arrangements, Key Person Insurance, Funding Capital Gains Tax on a Business at Death, Business Loan Protection and Buy-Sell Funding.

What Will The Advisor Learn From This Presentation?

This presentation will help the advisor increase their knowledge allowing them to interact with Entrepreneurs, Small Businesses & Boompreneurs with added confidence.

Employee retention and satisfaction are top of the list of priorities for many business owners. Keeping their employees happy and healthy makes financial sense as their productivity helps the business grow while reducing overall turnover and sick time.

The best way to do this is to provide group insurance, Key Person Insurance and other Insurance backed products for their regular and Key employees. In fact, many studies have shown that when company leadership is focused on employee health and wellness, retaining and attracting quality employees is much easier.

Presentation Overview

In this presentation Mike will:

* Review some facts on why the small business insurance market can be lucrative for the advisor and lead to larger by-product insurance sales.
* Show you that business and group insurance is a product that people want to talk about.
* Show you how the business market CAN and WILL attract future high net worth clients.
*Address the various Life insurance solutions for business owners

The "Innovative Way" presentation will cover Group Insurance benefits such as Prescription Drugs, Extended Health Care, Travel Insurance, Dental Care, Life Insurance and AD&D, Short and Long-Term Disability Insurance and the importance of offering them to your group nsurance clients.

11:00 AM - 12:00 PM

Ayal Alalouf

Taking PAR to the Advantage Max

Advisors want to provide reliable financial protection with flexible options for their clients and prospects as an efficient estate planning solution. But they also want to build wealth for a secure financial future for them as well.

Now, these options are available with Advantage Max from Foresters Financial.

Advantage Max is a participating whole life insurance product. What does this mean?

You get lifetime life insurance protection with guaranteed premiums and death benefit amounts. And, as a participating product, you have the opportunity to earn dividends to help build cash value you can potentially borrow from tax free.

Upon completion of the presentation, your clients and prospects will be able to do what the wealthy do... Reduce Tax and Take Control of Their Money!

What will the advisor learn from this presentation?

In this presentation, advisors will learn the various solutions that are available with this product concept that will show their clients and prospects how they can live life to the Max.

In other words, this is an option that is designed to help them get more out of life!

Presentation Overview

This presentation will provide maximum flexibility to meet ALL of your client's needs by covering all the following through case studies that will discuss:

* Guaranteed death benefit amount, cash value, non-forfeiture values and loan provisions
* Opportunity to earn dividends
* Cash value growth to help build financial security
* Flexible options and valuable built-in features
* 10-Pay, 20-Pay and Pay to 100 premium payment plans
* Coverage from $50,000 to $25,000,000
* Enhanced protection with optional riders
* Option to purchase more paid-up insurance to help maximize cash value growth!
* And of course, always included amazing complimentary member benefits

12:00 PM - 1:00 PM

Buffet Lunch Provided - Grand Ballroom

1:00 PM - 2:00 PM

Peter Curtis P1

Using Disability Tax Credits (DTC) & the Registered Disability Savings Plan (RDSP) as Part of Your Planning Process

The disability tax credit (DTC) is an important program for those facing severe and prolonged physical or mental impairment. Some individuals face unique barriers when it comes to completing their application and claiming the credit.

In addition, understanding the benefits of an RDSP offers individuals the ability to provide financial security for those who may be dealing with either a cognitive or physical disability or are caring for a family member with cognitive or physical disabilities.

What will the advisor learn from this presentation?

In this presentation, the advisor will leave with a better understanding of the DTC and how to help parents and others save for the long-term financial security of a person who is eligible for the disability tax credit (DTC).

Financial advisors have a tremendous opportunity to help provide Canadians affected by disability with a secure financial future by introducing the Disability Tax Credit (DTC) and the Registered Disability Savings Plans (RDSPs) into their financial plans to look after present and future needs.

Presentation Overview

Peter will be speaking on the eligibility requirements for the Disability Tax Credit, who can qualify, potential refunds, and other credits and benefits. He will discuss the RDSP benefits, grants and bonds, explain government matching, and how to grow your book of business through the RDSP and residual assets.

Peter will address the issue that by working with a Financial Advisor who specializes in the special needs market, the elimination of financial support can be mitigated.

Financial products such as the Registered Disability Savings Plan (RDSP), Segregated Funds, Life Insurance and the Henson Trust are considered ODSP exempt assets and can be used to prevent the loss of financial support.

2:00 PM - 3:00 PM

Ahilan (AKIL) Balachandran B.Comm, CFP, CLU, CHS, EPC

Integrating Compliance into Your Digital-First Advisory Practice

This session delivers an evidence-based, compliance-focused presentation for licensed insurance and investment advisors operating in a regulated environment. With increasing scrutiny from FSRA and other regulatory bodies, advisors are facing significant challenges in documenting, justifying, and supervising their client interactions and recommendations.

This presentation explores the risks of non-compliance in the digital era, the consequences of using outdated client management systems, and the steps advisors can take to integrate compliance into daily practice - without adding operational burden.

Backed by real-world examples, regulatory guidance, and practical workflows, this course is designed to help advisors protect their license, improve documentation practices, and confidently navigate FSRA audits or supervisory reviews.

What Will The Advisor Learn From This Presentation?

By the end of this session, the advisors will be able to:

1. Identify the most common compliance risks that result in advisor fines, terminations, or license suspensions -especially regarding documentation, communication, and supervision gaps.

2. Interpret recent FSRA compliance trends, including the shift to evidence-based supervision, and understand how these affect day-to-day advisory practices.

3. Evaluate the shortcomings of legacy CRM and practice management tools in meeting today's compliance demands.

4. Apply practical methods to integrate compliance into their advisory workflow, including digital documentation, client file management, and audit-readiness.

5. Understand the role of modern technologies, including AI and automation, in improving compliance efficiency, audit preparedness, and client trust.

Presentation Overview

During this presentation, Akil will cover the following points:

1. The Compliance Wake-Up Call

* Overview of recent advisor terminations and penalties
* Case study: $2B in fines related to untracked communication (texts, WhatsApp, etc.)
* Emotional and regulatory consequences of poor documentation

2. Understanding FSRA's New Expectations

* FSRA's push toward evidence-based supervision
* Requirements for documentation: reason-why letters, needs analysis, product comparisons
* What triggers an audit and how firms are selected

3. Why Traditional CRMs Are Failing Advisors

* CRM vs. compliance systems: key differences
* Lack of integration with regulatory expectations
* Data silos, manual notes, and lost context

4. Building a Compliance-First Advisory Practice

* Shifting from reactive compliance to embedded daily practices
* Creating audit-ready client files
* Key workflows: documenting notes, tagging advice, tracking suitability

5. The Role of Technology and AI in Modern Compliance

* Overview of tools that reduce manual effort
* Demonstration of voice-to-text notes, AI-summarized meetings, automated compliance checklists
* Compliance monitoring and real-time alerts for supervisors or firm leaders

6. Case Study & Practical Takeaways

* Real-world example of an advisor network that improved compliance supervision
* Tangible business benefits: reduced audit stress, increased advisor retention, cleaner records

7. Final Compliance Checklist and Call to Action

* A downloadable takeaway (Advisor Compliance Checklist)
* Immediate steps advisors can implement to improve compliance and client experience

3:00 PM - 4:00 PM

Dean Roberts, Business Development Manager, Advisor Channel

Cash Flow, Credit and Control: Advisor Based Banking Made Simple

Manulife Bank's Manulife One program combines a mortgage, line of credit, and bank account into a single account, offering flexibility in managing cash flow, credit, and control over your finances. This integrated approach allows for increased control over debt repayment, potential interest savings, and simplified banking.

Advisor-based banking offers a personalized approach to financial planning and management. It involves working with a financial advisor to develop a comprehensive plan, set financial goals, and make informed investment decisions. This type of banking aims to simplify the process by providing expert guidance and support, making it easier for your clients and prospects to manage their finances and achieve their financial objectives.

What will the advisor learn from this presentation?

In this presentation, the advisor will learn that Cash flow, credit, and control are intertwined and vital for an individual's overall financial health. Effective credit control, which involves managing bank accounts, credit cards and debt repayment, loans, etc., directly impacts a person's cash flow.

They will learn that by strategically managing credit, your clients can ensure timely payments, minimize risks, and ultimately improve their financial stability,

Presentation Overview

During this presentation, Dean will cover the following points:

* Understanding Cash Flow
* Cash Flow Management Strategies
* How advisor-based banking will help their clients and prospects develop strategies to manage your cash flow, such as optimizing spending, increasing revenue, and managing debts
* How Financial advisors can help the client anticipate their future needs, plan for growth, and make informed decisions about their cash positioning.

4:00 PM - 5:00 PM

Introducing Peter Wouters
RFG., AIAA., ARP., TEP., FLMI., RHU., CFP., CLU., CHFC., ACS.,ALHC., CPCA., CHS., AFSI., EPC

Your Future by Design

Experience alone is becoming less important because the world is changing and changing rapidly. Expectations are changing and increasing as well. Technology is becoming ever more available and advanced, taking over many of the tasks we used to do and claim as our value proposition. How can we differentiate ourselves from machines and programs, while using them to great effect?

What Will The Advisor Learn From This Presentation?

Attendees will walk away with a better understanding of why some of the old ways of thinking and doing business are giving way to ideas and applications that better fit today and tomorrow's aging clients.

Your future by design; how do you view that? Your future? Your clients' future? Perhaps both?

Presentation Overview

This presentation will take advisors on a journey where they will be reminded of the importance of:

1. Trust, holistic planning and communicating effectively with clients.
2. Associated financial & estate planning considerations and rising client needs and expectation for lifestyle planning.

Invest some time into exploring and incorporating these key takeaways:

1. Understanding the relevance of connecting with people more deeply,
2. Understanding the power of process, and building that into your business and action plan, and
3. Tying this all into improved and sustainable practice management.

5:00 PM

Closing Remarks, Adjourn & Enjoy Niagara Falls

(Agenda Subject to Change)