AAII Baltimore Investment Education Chapter 2019

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 Meeting Dates and Topics 2019


   


Marty Leclerc Click here to register for the March 2nd meeting --
Martin Leclerc "The Path to a Successful Financial Life"



Britt Stouffer Click here to register for the April 6th meeting --
Britt Stouffer "Seven Deadly Sins of Estate Planning"


Previous Meetings


DATE:
Saturday, January 5, 2019, 9:45 A.M. Registration, 10:00 A.M. Main Presentation, Discussion Group following Main Presentation

PRESENTATION TOPIC--  Active Corporate Bond Investing

Click here for link to the slides, courtesy of Steve Shaw, from this meeting

PRESENTATION OVERVIEW: 
With recent sharp drops in stocks and poor performance of many bond funds, where can you invest to achieve strong returns with a greater level of safety? Individual corporate bonds can achieve both objectives but account for less than 1% of US investor portfolios. Steve Shaw will show you how to invest in corporate bonds and how his active approach can outperform bond funds and traditional bond ladders. Steve also discusses how he evaluates corporate bond investments and identifies which individual corporate bonds can outperform the market.

ATTEND THIS MEETING TO LEARN:ATTEND THIS MEETING TO LEARN: 
1. The advantages of active bond investing relative to traditional bond ladders and other passive bond investing strategies
2. Which bonds are not sensitive to changes in interest rates
3. Why it often makes sense to sell bonds before maturity

SPEAKERS / SPEAKERS' BIOGRAPHY:
Steve Shaw
Founder & President,BondSavvy

www.Bondsavvy.com

Steve Shaw 

Speaker Biography:
Steve Shaw founded BondSavvy so more investors could benefit from the strong returns and safety that corporate bonds provide. Shaw uses his prior experience in corporate finance and bond-trading technology to identify corporate bond investments that can outperform the market. Prior to founding BondSavvy, Shaw was a senior corporate mergers-and-acquisitions executive with media and financial technology companies. He is the former head of Tradeweb Direct, a leading online bond trading platform, and earlier in his career was an investment banker focused on the media and communications and financial services sectors.


DATE:
Saturday, December 2, 2018, 9:45 A.M. Registration, 10:00 A.M. Main Presentation, Discussion Group following Main Presentation

PRESENTATION TOPIC--  End of Year Tax Planning

Click here for link to the slides, courtesy of Michael Canet, from this meeting

PRESENTATION OVERVIEW: 
The number one fear retirees have is running out of money. Creating and Preserving your wealth takes more than simple preparation; it takes tax planning. We will show you the difference between using a tax preparer versus using a tax planner. We will cover some of the simple tax reductions strategies you may already know; and some you may not have considered. We will discuss a few advanced strategies that have only recently become widely available. If you have a small business, learn how to properly structure your company and retirement benefits to take advantage of tax code.

ATTEND THIS MEETING TO LEARN: 
1. Simple Strategies you can implement NOW to reduce your 2018 taxes
2. Advanced Strategies to reduce your taxes in 2019 & beyond.
3. Small Business Strategies to pay yourself instead of the IRS

SPEAKERS / SPEAKERS' BIOGRAPHY:
Michael Canet
Managing Director www.thesavvyinvestortv.com

Glen Burnie, MD
 

Michael Canet 

Speaker Biography:
Michael Canet attended law school at the Catholic University of America. He earned his LL.M in taxation from the University of Baltimore. He is a founding member of Prostatis Financial Advisors Group, with four offices covering Baltimore, Washington and Northern Virginia. Canet is the host of “The Savvy Investor,” a nationally recognized financial planning radio show on WCBM and WRC. He is the author of two Amazon #1 books: “Surviving the Perfect Storm: How to Create a Financial Plan That Will Withstand Any Crisis” (Advantage Media Group, 2012), and “SuccessOnomics” (CelebrityPress, 2014) with Steve Forbes. In 2011, the governor appointed Canet to the State Board of Individual Tax Preparers as a state regulator. He currently sits on the board of Vino Scholastico, a fundraising division of the Scholarship Foundation at Howard Community College.


DATE:
Saturday, November 3, 2018, 9:45 A.M. Registration, 10:00 A.M. Main Presentation, Discussion Group following Main Presentation

PRESENTATION TOPIC--  The Psychology of Risk and Investing

Click here for pdf handout from this presentation by Mr. Ricciardi.

PRESENTATION OVERVIEW: 
Professor Ricciardi will discuss behavioral finance, the psychology behind risk-taking, what makes individuals feel the way they do when making financial judgments, and how understanding our cognitive (mental) and affective (emotional) issues makes us better investors.

ATTEND THIS MEETING TO LEARN: 
1. The behavioral aspects of risk-taking
2. How to better understand investor biases
3. How to overcome money mistakes

SPEAKERS / SPEAKERS' BIOGRAPHY:
Victor Ricciardi
Assistant Professor of Financial Management at Goucher College

Baltimore, MD
 

Victor Ricciardi 

Speaker Biography:
Victor Ricciardi is Assistant Professor of Financial Management at Goucher College in Baltimore. He teaches courses in financial planning, investments, corporate finance, behavioral finance, and the psychology of money. Professor Ricciardi is a leading expert on the academic literature and emerging research issues in behavioral finance. Kent Baker and Victor Ricciardi are co-editors of the book Investor Behavior: The Psychology of Financial Planning and Investing was published in February 2014 and the book is part of the Wiley Finance Series. Professor Ricciardi’s 2nd book Financial Behavior – Players, Services, Products, and Markets was published by Oxford University Press in June 2017. He also holds a graduate certificate in financial planning and financial therapy from KSU. Professor Ricciardi has been quoted in 125 news stories and has appeared on 30 radio/podcast interviews on various behavioral finance issues.


DATE:
Saturday, October 6, 2018, 9:45 A.M. Registration, 10:00 A.M. Main Presentation, Discussion Group following Main Presentation                                                            

PRESENTATION TOPIC--  Get Ready for the Sweet Spot of the 4-Year Cycle

PRESENTATION OVERVIEW: 
Navigating the Midterm Election Year Market. Learn about relevant Market Seasonality and Tactical Seasonal Trading Strategies beyond “the best six months” and “sell in May.” Jeffrey Hirsch will show you how to capitalize on the sweet spot of the 4-year cycle that begins in Q4 2018 and talk all about market seasonality and how we rotate in and out of sectors with the highest probability for maximum returns using fundamental and technical analysis in conjunction with seasonal and cyclical trading strategies, economic trends, and historical patterns. As detailed in the Stock Trader’s Almanac and Almanac Investor Subscription Service, Hirsch will pinpoint entry and exit prices for highly correlated ETFs and top-ranked small-, mid- and large-cap stocks.

ATTEND THIS MEETING TO LEARN:
1.
Which historical market patterns, cycles and seasonality are still effective and in play now
2. How to implement the best six and eight months switching strategies using ETFs and stocks
3. How to capitalize on seasonal market patterns and utilize them in conjunction with fundamental and technical analysis

SPEAKERS / SPEAKERS' BIOGRAPHY:
Jeffrey Hirsch
CEO, Hirsch Holdings Inc.; Editor-in-Chief, Stock Trader’s Almanac

www.hirschorg.com
 

Laura Geritz 

Speaker Biography:
Jeffrey A. Hirsch is CEO of Hirsch Holdings and Chief Market Strategist at Probabilities Fund Management, LLC. He is the editor-in-chief of the Stock Trader's Almanac and Almanac Investor eNewsletter at www.stocktradersalmanac.com, and a Yahoo Finance contributor. Jeff is the author of The Little Book of Stock Market Cycles (Wiley, 2012) and Super Boom: Why the Dow Will Hit 38,820 and How You Can Profit from It (Wiley, 2011). Mr. Hirsch is a 28-year Wall Street veteran; he took over from founder Yale Hirsch in 2001 and regularly appears on CNBC, Bloomberg, Fox Business, and many other financial media outlets. The Stock Trader’s Almanac has been published for over 50 years; the 2018 edition is the 51st consecutive annual edition.


DATE:
Saturday, September 8, 2018, 9:45 A.M. Registration, 10:00 A.M. Main Presentation, Discussion Group following Main Presentation

Brooklyn Park Library Branch

PRESENTATION TOPIC--  Quality Value Investing in Global Markets

PRESENTATION OVERVIEW: 
Quality: Screening for quality and defining it.Value: Determining value in screening, umbrellas, absolute returns.Global perspective: Building global equity portfolios bottom up.

ATTEND THIS MEETING TO LEARN: 
1. How to screen for quality-quantitative traits of a high quality company.
2. How to define quality-what we look for on the road. Clubs, Glues, and Platform companies.
3. How we think about value-umbrellas and absolute returns.

SPEAKERS / SPEAKERS' BIOGRAPHY:
Laura Geritz
CEO and Portfolio Manager of Rondure Global Advisors
Salt Lake City, UT 84101
www.rondureglobal.com

Laura Geritz 

Speaker Biography:
Laura Geritz, CFA, MA, is the founder and CEO of Rondure Global Advisors, a woman-owned investment firm focused on investing with a long-term view. She serves as portfolio manager (PM) for two Rondure equity strategies: developing counties and overseas developed countries.

Prior to founding Rondure in 2016, Laura worked 10 years at Wasatch Advisors, where she was the founding PM for a frontier emerging small countries strategy and a lead PM for international micro cap growth and emerging markets small cap strategies. Earlier, she held analyst positions at Mellon Corporation and American Century Investments.
Laura holds the Chartered Financial Analyst® designation, an MA in Eastern Asian languages and culture, and a BA in political science. She and her husband, Robb, live in Japan and enjoy traveling and working with children’s charities.


DATE:
Saturday, June 2, 2018, 9:45 A.M. Registration, 10:00 A.M. Main Presentation, Discussion Group following Main Presentation

PRESENTATION TOPIC--  Real Estate as a Core Asset Class in an Intelligent Portfolio

Click here for pdf handout from this presentation by Mr. Thomas.

PRESENTATION OVERVIEW: 
Real estate investment trusts (REITs) have consistently outperformed many more widely known investments. Over the past 15-year period, for example, REITs returned an average of 11% per year, better than all other asset classes. Since 2009, REITs have enjoyed positive returns; large-cap stocks and cash are the only other classes that paralleled that record. Even in 2015, a “year of fear” related to rising rates, REITs returned 2.4%, beating most all other asset classes. Prepare yourself, and your portfolio, to benefit from the demand for REITs that will follow the creation of a real estate GICS sector. By maintaining a tactical exposure in the brick-and-mortar asset class, investors should benefit from Thomas’ session that will surely help everyone sleep well at night!

ATTEND THIS MEETING TO LEARN: 
1. Why income investors should consider and own real estate investment trusts (REITs)
2. The tax-deferral advantages of many REITs
3. How to analyze REITs for dividend sustainability

SPEAKERS / SPEAKERS' BIOGRAPHY:
Brad Thomas
Spartanburg SC
Author, Editor and Senior Analyst at Forbes Real Estate Investor

Brad Thomas REIT Investor

Speaker Biography:
Brad Thomas is a lifelong Benjamin Graham follower. Prior to his current position with Forbes, he was a commercial real estate manager, adviser and consultant for many years. He currently writes weekly for The Street, The Motley Fool and he was ranked the #1 analyst on Seeking Alpha for 2014, 2015, 2016 and 2017. Thomas earned a B.S. in business and economics from Presbyterian College.


DATE: Saturday, May 5, 2018, 9:45 A.M. Registration, 10:00 A.M. Main Presentation, Discussion Group following Main Presentation

PRESENTATION TOPIC--  Investing at the Intersect of Value, Momentum and Quality

Click here for pdf handout from this presentation by Mr. Rotblut

PRESENTATION OVERVIEW: 
As investors, we want stocks with more potential upside than downside. AAII Journal editor Charles Rotblut unveils the VMQ Stocks strategy for finding such stocks. The strategy combines three key characteristics associated with higher returns. He’ll explain the logic behind it, including the academic research and the changes in the investment industry that helped lead to this new approach. Plus, you’ll get to see the current list passing the VMQ screen as well as exchange-traded funds (ETFs) that follow similar types of strategies.

ATTEND THIS MEETING TO LEARN: 
1. The useful guidelines academic theory and the financial industry offer
2. How value and momentum can be used to beat the market
3. Five criteria to judge a stock’s underlying quality

SPEAKERS / SPEAKERS' BIOGRAPHY:

Charles Rotblut
Charles Rotblut
Vice President and Financial Analyst, AAII; Editor, AAII Journal

Speaker Biography:
Charles Rotblut is a vice president and financial analyst at AAII. He is the editor of the AAII Journal, created VMQ Stocks, co-created AAII Dividend Investing, helps to manage the Stock Superstars Report portfolio and authors the weekly AAII Investor Update email. Rotblut regularly speaks to the media, including CNBC, Kiplinger’s and Money. He is also a regular guest on MoneyLife with Chuck Jaffe and a Wall Street Journal expert panelist. His book, “Better Good than Lucky: How Savvy Investors Create Fortune With the Risk-Reward Ratio,” was published in November 2010. Rotblut holds the Chartered Financial Analyst designation and has analyzed both publicly traded and privately held companies. He has worked for Zacks Investment Research, Investools, Curian Capital and McClure and Schumacher & Associates.


DATE: Saturday, April 7, 2018, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

PRESENTATION TOPIC--  Three Ways to Protect Your "Stuff"

PRESENTATION OVERVIEW: 
The baby boomers, a generation set to leave over one trillion dollars to future generations, is careening toward a long-term care crisis, and few are addressing, much less talking about how to fix it. Our workshop, the Three Ways to Protect Your "Stuff," emphasizes the importance of trust-based planning to preserve one's hard-earned assets for future generations.

ATTEND THIS MEETING TO LEARN: 
1. Know the Rules: Whose "Rulebook" controls your Estate Plan? Yours? The Governments? Someone else?
2. Know your Predators: Who's a Threat to Your Stuff? The Government? Long-term Care Costs? Your Family?
Know your Options: What Plans are out there? Does a Will work? What about a Trust? Which kind of Trust?

SPEAKERS / SPEAKERS' BIOGRAPHY:
Britt Stouffer, Maryland Attorney, Britt Stouffer Legal

Speaker Biography:
Britt L. Stouffer practices law in the state of Maryland and concentrates on estate planning, estate administration, corporate law, and firearms law.

She graduated with honors from Loyola College with a concentration in English and philosophy, and she earned her legal degree from the University of Baltimore School of Law, where she was a member of the Women’s Bar Association and worked as a research/teaching assistant in estate planning. She also earned a master’s degree in taxation.

During her studies, Stouffer became interested in property possession, taxation, business law and inheritance. Her expertise in possession and inheritance law fits hand-in-hand with estate planning, while taxation, asset protection and business law add to the comprehensive scope of her advice and education efforts.



DATE: Saturday, March 3, 2018, 9:45 A.M. Registration, 10:00 A.M. Main Presentation, Discussion Group following Main Presentation

PRESENTATION TOPIC--
 
 Web Meeting: How to Thrive Despite Bad Journalism and Bad Impulses

PRESENTATION OVERVIEW:
 
Investors are forever asking themselves a question that’s not only wrong but also destructive: “Are my investments beating the market?” Inexperienced financial journalists, writing on deadline and without training, just encourage bad behavior. But it doesn’t have to be that way. We can do better. Drawing on 20 years of experience in helping investors think about their strategies, David Snowball will try to offer answers to three questions: What standards should we apply in choosing an investment fund? What best predicts success in such an investment? And what role, if any, should ETFs play in an investor’s portfolio?

ATTEND THIS MEETING TO LEARN:
 

1. How to determine the right asset allocation for you.
2. The best predictors of success in an investment fund.
3  What role, if any, ETFs should have in an investor's portfolio.


SPEAKERS / SPEAKERS' BIOGRAPHY:

David Snowball
Publisher, Mutual Fund Observer, Inc.

www.mutualfundobserver.com


Speaker Biography:

David Snowball, Ph.D., publishes the Mutual Fund Observer and is a professor of communication studies at Augustana College in Rock Island, Illinois. For a quarter century, Snowball competed in academic debate and coached college debate teams to over 1500 individual victories and 50 tournament championships. In 1996, he turned to researching fund investing and fund communication strategies. Snowball served as the closing moderator of Brill’s Mutual Funds Interactive (a Forbes “Best of the Web” site), was the senior fund analyst at FundAlarm, launched Mutual Fund Observer in 2011 and is the author of nearly 300 fund profiles. His work is regularly cited in the national media.

DATE: Saturday, February 3, 2018, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

PRESENTATION TOPIC--  Market Structure and Where to Invest

PRESENTATION OVERVIEW: 
How do societal factors impact economic opportunities? How does market structure impact risk taking? Why is investing in technology companies so challenging? What are specific challenges to intellectual property in the Chinese market? Does the recent tax reform discourage financial engineering? These topics and more will be discussed.

ATTEND THIS MEETING TO LEARN: 
1. How market structure affects returns and investment opportunities
2. Why international considerations are important when making investment decisions.
3. Why the recent corporate tax reform is positive for the economy

SPEAKERS / SPEAKERS' BIOGRAPHY:
Niall O'Malley
Portfolio Manager, Blue Point Investment Management
www.bluepointim.us

Speaker Biography:
Blue Point offers active management that is focused on capital appreciation. Niall O’Malley serves as Blue Point’s Portfolio Manager. He leverages a keen understanding of the creative/destructive cycle that governs innovation, 12-years of international experience, and his understanding of the capital markets to seek capital appreciation for clients.

Niall has often been quoted in the press by the Baltimore Business Journal, Baltimore Sun, Bloomberg, China Business News, Citybizlist Baltimore, Financial Advisor, Markets Media, Seeking Alpha and The Trade. He has been a radio show guest on VoiceAmerica’s Insightful Investor, and WCBM’s Money, Riches and Wealth. Niall has been invited as a guest speaker by groups including the American Association of Individual Investors Baltimore Chapter, Baltimore Business Journal, Baltimore Family Office Group, CFA Society Germany, CFA Society Philadelphia, CFA Society Pittsburgh, CFA Society Stamford, CFA Society Switzerland, CFA Society Virginia, Johns Hopkins Carey School of Business, Loyola University Financial Management Association, Towson University Investment Group’s International Markets Summit, The Wednesday Club and Washington Association of Money Managers.


DATE: Saturday, January 6, 2018, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

Click here to view Barry Strudwick handout #1 -- Apple Versus the Lithium Metal Benders



Click here to view Barry Strudwick handout #2 -- Quacks & Quarks

PRESENTATION TOPIC--  Hydro-Man Versus The Lithium Metal Benders

PRESENTATION OVERVIEW: 
The world is witnessing the sudden emergence of the self-driving electric car and the apparent demise of the internal combustion engine. Driven by three mega-trends, the storms of Schumpeter’s “creative destruction” are nearing full force, threatening a radical transformation of both the domestic and global economies. Although the outcomes of trends like these are rarely predictable, speaker Barry Strudwick suggests that investors carefully consider their effects. At this meeting, Barry will peer into the future and shares his views of economic implications and potential investment opportunities and complications of disruptive mega-trends.

ATTEND THIS MEETING TO LEARN: 
1. The three disruptive mega-trends that are already converging and about to impact auto and energy investments.
2. How to invest ahead of these waves, and why chasing Tesla and Uber could be sucker plays.
3. A fourth mega-trend—off almost everyone’s radar—could be closer than we think. (We’ll discuss an investment that could provide a “free lottery ticket” to play this technology.

SPEAKERS / SPEAKERS' BIOGRAPHY:
Barry Strudwick

Speaker Biography:
Barry has spoken to AAII Baltimore several times in the past 20 years, offering futurist ideas to help mold forward-looking strategies. Fifteen years ago, when ETFs were mere side attractions, he presented the idea of using them to structure portfolios. In 2011, he shared his “Fortress America” strategy of going long ultra large-cap stocks—and the S&P 500 has since advanced 120%. For over a decade, Barry was host of the public radio show Mutual Perspectives™, featuring interviews with experts such as John Bogle, Bill Gross, and Foster Freiss. He has published over 500 investment articles and has been cited in Barron’s, The Nikkei Times, CNBC, and The Investment News. Barry holds degrees from Emory University in Atlanta and The Wharton Graduate School of Finance at The University of Pennsylvania.

DATE: Saturday, Saturday, December 9, 2017, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

PRESENTATION TOPIC--  Year End Tax Planning

PRESENTATION OVERVIEW: 
It doesn't matter how much you make, it is how much you keep. Paying the least amount of taxes takes more than just an annual tax preparation meeting, it taxes planning and strategies. We will be discussing end of year strategies as well as the Warren Buffet strategy of paying at a lower tax rate than his secretary. We will address the pending Trump tax changes as well as give concrete examples on things you can do today to reduce or eliminate RMD's, how to cut your self employment tax in half, and how to capture those passive losses, how to handle low basis real estate holdings, and other end of year tax strategies.

ATTEND THIS MEETING TO LEARN: 
1. About end of year tax strategies.
2. Things you can do to reduce RMD's.
3.  About the pending tax changes.
SPEAKERS / SPEAKERS' BIOGRAPHY:

Michael Canet
Managing Director Prostatis Financial
Speaker Biography:

Michael Canet attended law school at the Catholic University of America. He earned his LLM in taxation from the University of Baltimore. He is a founding member of Prostatis Financial Advisors Group, with four offices covering Baltimore, Washington, and Northern Virginia. Canet is the host of “The Savvy Investor,” a nationally recognized financial planning radio show on WCBM and WRC.

He is the author of two Amazon #1 books: “Surviving the Perfect Storm” and “SuccessOnomics with Steve Forbes.”

In 2011, the governor appointed Canet to the State Board of Individual Tax Preparers as a state regulator. He currently sits on the board of Vino Scholastico, a fundraising division of the Scholarship Foundation at Howard Community College.


DATE:  Saturday, Saturday, November 11 , 2017, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

Click here to view the November 11, 2017 Webinar Video -- John Kosar "Investing during the Trump Administration: Opportunity and Danger"

Due to circumstances beyond our control, instead of a live presentation we are able to offer a well-produced webinar presentation by John Kosar.  This presentation will offer two-way audio and the PowerPoint slides as the speaker provides his presentation remotely.

 PRESENTATION TOPIC--  Investing during the Trump Administration: Opportunity and Danger

PRESENTATION OVERVIEW: 
Many investors are wondering whether Donald Trump—perhaps the most controversial president in our lifetime— means opportunity or danger for their portfolios. This is especially true for those getting close to retirement or those who are newly retired, as one bad decision could jeopardize your life savings. However, this does not mean that individuals should stop investing and move to the sidelines, but rather consider using different tactics to survive and thrive in this new environment. In this seminar, a 35-year veteran of the financial markets “follows the money” to determine what financial assets to buy and sell, when to do it, and at what price gain for the best possible risk versus reward on one’s investment strategy.

ATTEND THIS MEETING TO LEARN: 
1.) How Chicago-based Asbury Research picks stocks and ETFs with low downside risk and high upside potential
2.) How Asbury’s correction protection model protects investors from the market’s next major downturn
3.) How to position yourself for the next big move in U.S. interest rates

SPEAKERS / SPEAKERS' BIOGRAPHY:
John Kosar
Chief Market Stategist Asbury Research, LLC

Speaker Biography:
John Kosar has more than 35 years of experience and insight in analyzing and forecasting global financial markets. Kosar's extensive and varied background became the foundation for his unique analysis, understanding of intermarket relationships and global perspective. He incorporates a diverse and comprehensive blend of technical and quantitative metrics that tend to be more intuitive and forward-looking than the typical Wall Street approach. Kosar is frequently seen and quoted on a wide variety of media platforms including CNBC, Fox Business, Bloomberg, Barron's and The Wall Street Journal. He was awarded the Chartered Market Technician (CMT) designation in 1999. During his career, Kosar has been an analyst and trader for Shearson American Express, Deutsche Bank and NatWest Markets.


Saturday, Saturday, October 14, 2017, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

PRESENTATION TOPIC--  Tax Planning

PRESENTATION OVERVIEW: 
Doug Miller will discuss often overlooked strategies to minimize taxes in retirement. Taxes are the largest liability that we face in our lifetime. Reducing taxes has a much bigger impact on your financial security than whether or not your portfolio out- or underperforms a benchmark by half of 1%.

ATTEND THIS MEETING TO LEARN: 
1.How asset allocation can affect the dollars you get to keep
2.Optimizing asset distribution in retirement
3.Minimizing tax consequences of passing assets to the next generation

SPEAKERS / SPEAKERS' BIOGRAPHY:
Doug Miller
Financial Advisor, Northwestern Mutual

Speaker Biography:
Doug Miller is a certified financial planner. He began his career as an estate planning attorney and business transactional attorney, and has been in the financial services field since January of 2000. He works with business owners and affluent individuals and families to educate them while achieving their financial goals. He is married with three daughters and lives in Carroll County, MD.


DATE:
Saturday, Saturday, September 9, 2017, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

Click here to download PDF file of September, 2017 Presentation-- Phil Weiss

PRESENTATION TOPIC--  Behavioral Finance

PRESENTATION OVERVIEW: 
We often find ourselves torn between emotion and logic when making decisions. We also know that people decide differently under pressure or if high risks are involved�exactly the kind of scenario experienced by investors. We find that investors often expend too much energy trying to avoid making hard choices by looking for an informational advantage that will guarantee them a �sure thing.� Instead investors should simply focus on making better decisions. While none of us can avoid behavioral biases completely, processes can be put in place to help avoid the potential impact of these errors. In this presentation, we discuss a number of behavioral biases what can be done to limit their impact.

ATTEND THIS MEETING TO LEARN: 
1.Why Behavioral Finance is relevant for investors.
2. How Behavioral Biases can affect investor decisions.
3. What can be done to limit the impact of Behavioral Biases.

SPEAKERS / SPEAKERS' BIOGRAPHY:
Philip Weiss
Apprise Wealth Management

Speaker Biography:
Phil Weiss has extensive financial and client services experience in equity research and portfolio management. Phil is a CFA  charterholder and a CPA. He takes a value-centric, fundamental-based approach to all aspects of portfolio management and security research. He recently launched Apprise Wealth Management ( www.apprisewealth.com  ), a fee-only RIA focused on providing comprehensive financial planning and investment management services and education to those looking for assistance and believes it is a privilege to manage the retirement assets of others. Primarily while working as a Senior Analyst for Argus Research, he has served as a featured media spokesperson on networks such as CNBC and Bloomberg. He has also written weekly commentary on investment-related topics.


DATE:
Saturday, Saturday, May 13, 2017, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

Click here to download PDF file of May, 2017 Presentation-- David Merkel

PRESENTATION TOPIC--  Practical Ways to Understand Financial Stocks Better

PRESENTATION OVERVIEW: 
Accounting is complex, and often hides as much as it reveals. Would you like to learn a few simple practical ways to understand the accounting better, so that you are capable of avoiding investments that may impair your capital? Accounting for financial firms is particularly difficult to understand. Would you like to understand better how financial firms work, so that you can avoid ones that are likely to blow up? Finally, would you like to understand when the stock market as a whole is undervalued or overvalued? This is a teaching session in which Mr. Merkel will share some of his modeling techniques.

ATTEND THIS MEETING TO LEARN: 
1. Simple ways to understand the accounting of firms better.
2. How to understand the accounting and operations of financial firms.
3. How to understand whether the market is overvalued, undervalued, or fairly valued.

SPEAKERS / SPEAKERS' BIOGRAPHY:
David J. Merkel
Principal, Aleph Investments LLC

David Merkel

David J. Merkel is principal of the equity and bond asset management firm Aleph Investments LLC and writes The Aleph Blog. Previously, he was the director of research for Finacorp Securities, senior investment analyst at Hovde Capital, and a leading commentator at RealMoney.com. Before that, he managed corporate bonds for Dwight Asset Management, mortgage bonds and investment risk at Mount Washington Investment Group, after working with Provident Mutual, AIG and Pacific Standard Life. He holds bachelor’s and master’s degrees from Johns Hopkins. He is part of the leadership of the CFA Institute in Baltimore.


DATE:
Saturday, Saturday, April 8, 2017, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

PRESENTATION TOPIC--  Top 10 Celebrity Estate Planning Mistakes

PRESENTATION OVERVIEW: 
Even the wealthiest people fail to implement the most fundamental and essential elements of a good estate plan. By investigating their stories and learning from their mistakes, we can make smarter decisions about our own estates. Read copies of actual celebrity wills and discover the inner celebrity in you!

ATTEND THIS MEETING TO LEARN: 
1. Learn from these infamous Estate Planning mistakes: James Dean, Marilyn Monroe, John Denver
2. Find out why these estate plans didn't go as planned: Ted Kennedy, Philip Seymour Hoffman, Heath Ledger, Tom Clancy
3. Find out what you should have done differently if you were them: Sonny Bono, Princess Diana, Prince .

SPEAKERS / SPEAKERS' BIOGRAPHY:
Britt L. Stouffer
Maryland Attorney -- Towson, MD
www.stoufferlegal.com

Britt L. Stouffer practices law in the state of Maryland and concentrates on estate planning, estate administration, corporate law, and firearms law.

She graduated with honors from Loyola College with a concentration in English and philosophy, and she earned her legal degree from the University of Baltimore School of Law, where she was a member of the Women’s Bar Association and worked as a research/teaching assistant in estate planning. She also earned a master’s degree in taxation.

During her studies, Stouffer became interested in property possession, taxation, business law and inheritance. Her expertise in possession and inheritance law fits hand-in-hand with estate planning, while taxation, asset protection and business law add to the comprehensive scope of her advice and education efforts.


DATE: Saturday, Saturday, March 11, 2017, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

PRESENTATION TOPIC--  Maximize IRA Assets for You & Your Heirs

Click here to download PDF file of March 11, 2017 Presentation -- Rachel Sheedy

PRESENTATION OVERVIEW: 
Traditional IRAs and 401(k)s are called tax-deferred, rather than tax-free, accounts for a good reason. You don’t pay taxes on the money you deposit into them or the profits that accumulate, but you and/or your heirs do pay taxes—at your/their highest ordinary income tax bracket—on the money going out. Listen to Rachel Sheedy show you how you might be able to minimize those taxes.

ATTEND THIS MEETING TO LEARN: 
1. How a Roth account can benefit you and provide a tax-free legacy for your heirs.
2. How IRA required minimum distributions (RMDs) differ from 401(k) RMDs.
3. The different rules that apply to spouse and to non-spouse beneficiaries who inherit an IRA, and how non-spouse heirs can maximize an inherited IRA.

SPEAKERS / SPEAKERS' BIOGRAPHY:
Rachel Sheedy
Editor of Kiplinger's Retirement Report

www.kiplinger.com

Rachel Sheedy is editor of Kiplinger’s Retirement Report, a monthly publication for affluent subscribers planning for and living financially secure lives in retirement.She has written extensively on Social Security claiming strategies, rules and strategies for IRAs and Roth IRAs, reverse mortgages, and state taxes on retirees. Sheedy has served as the editor of Kiplinger.com’s State-by-State Guide to Taxes on Retirees, which was a finalist for a Digital National Magazine Award in 2012.Prior to Kiplinger’s, Sheedy worked for a New York Times regional newspaper and Dow Jones & Company. She has a master’s degree from the Medill School of Journalism at Northwestern University and a bachelor’s degree from Wake Forest University.


DATE: Saturday, Saturday, February 11, 2017, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

PLEASE NOTE THAT THE FEBRUARY MEETING IS BACK TO THE 2ND SATURDAY OF THE MONTH

PRESENTATION TOPIC--  State of the County/ Economic Climate of Anne Arundel County

PRESENTATION OVERVIEW: 
A chance to meet Anne Arundel County Executive Schuh and hear him talk about the business climate in Anne Arundel County. How he is working to create a more business friendly atmosphere.

ATTEND THIS MEETING TO LEARN: 
1)  County initiatives to make the county more business friendly.
2)  Overview of the county's biggest business assets.
3) County investments for the next fiscal year. (public safety, infrastructure)

SPEAKERS / SPEAKERS' BIOGRAPHY:
Steve Schuh
Anne Arundel County Executive

County Executive Steve Schuh was elected in 2014 to make Anne Arundel County the best place to live, work, and start a business in Maryland. Steve has been in business for over 30 years. He is a former managing Director of Alex. Brown & Sons and of Credit Suisse. He is a founder of Mid-States management Group, which develops and operates restaurants that employ over 800 people in the region.
Steve serves on the boards of Directors the Baltimore Metro Council and the Economic Alliance of Greater Baltimore. Steve served in the House of Delegates for 8 years representing District 31. He holds a bachelor’s degree in economics and government from Dartmouth College and master’s degrees in business and in education from Harvard University and Johns Hopkins University.


DATE: Saturday, Saturday, January 21, 2017, 9:45 A.M. Registration, 10:00 A.M. Main Presentation

PLEASE NOTE THAT THE JANUARY MEETING IS ON THE 3RD SATURDAY OF THE MONTH

PRESENTATION TOPIC--  The Right Way to Hire Financial Help

PRESENTATION OVERVIEW: 
Nearly 20 years ago, Chuck Jaffe wrote the first-ever book about hiring and working with all types of financial advisers, called “The Right Way to Hire Financial Help.” In those days, no one could foresee that many of the functions of financial counselors would be replaced by software, interactive online platforms and algorithms, but today “robo-advice” is the hot topic and individual investors need to decide on the importance – if any – of maintaining a human touch. This topic will talk about the importance of working with an adviser, the decisions facing investors when they search for help, the mistakes consumers make and how to determine the right kind of advisory relationships to have throughout their lifetime.

ATTEND THIS MEETING TO LEARN: 
1)  How to decide the type of advisory relationship you want
2) How to balance human and robo advice
3) How to avoid making the big mistakes most people make in searching for an adviser

SPEAKERS / SPEAKERS' BIOGRAPHY:
Chuck Jaffe
Senior Columnist, MarketWatch
www.marketwatch.com

Chuck Jaffe is a nationally syndicated financial columnist, currently based at MarketWatch.com. He is also the host of “MoneyLife with Chuck Jaffe,” a weekday radio show/podcast that you can find at www.moneylifeshow.com  .

Chuck is a frequent guest on CNBC, Nightly Business Report, Fox Business News, National Public Radio and more, and it the author of three books: “Getting Started In Finding a Financial Advisor,” “The Right Way to Hire Financial Help” and “Chuck Jaffe’s Lifetime Guide to Mutual Funds.”

A past president of the Society of American Business Editors and Writers, Chuck joined MarketWatch in 2003 after nine years as personal finance and mutual funds columnist at The Boston Globe.


CLICK HERE FOR LISTINGS OF MEETINGS HELD PRIOR TO 2017
 

   

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