Session 1

Moderator: Joshua S. Miller, J.D., TEP, Vice President, BNY Mellon Wealth Management

Title: Fiduciary Investing: A Primer

Summary: Acting as a trustee involves numerous responsibilities and duties including the duty to prudently invest trust assets. A trustee needs to understand a wide range of investments and how various classes of investments fit within the various laws, acts and standards that govern that duty. During our conversation, we will review investment basics, discuss the Massachusetts Prudent Investor Act and the standard of care trustees must abide by when investing trust assets, and provide some practical guidelines for a trustee to utilize when constructing an investment plan for the trust portfolio.

Moderator Bio: Josh Miller is a senior portfolio manager for BNY Mellon Wealth Management. In this role, he works directly with high-net worth individuals and families to develop and implement investment and wealth management strategies. Josh brings specific tax and estate planning expertise to help clients achieve objectives, working with their attorneys and accountants to ensure a coordinated approach.

Session 2

Moderator: David G. O’Neil, Founder, Story Trust Publishing, LLC

Title: Personal Legacies in the Estate Planning Process

Summary: Many of our clients are keenly interested in this "softer” side of estate planning, yet it rarely gets addressed by most advisors. A good estate plan, after all, is a reflection of the client’s values, experience, and personal/family history. Further, heirs yearn for this kind of information from their parents and grandparents. The Allianz American Legacies Study found that "non-financial items that parents leave behind—like ethics, morals, faith, and religion—are 10 times more important to both boomers and their parents than the financial aspects of inheritance.” With these issues in mind, we will discuss ways advisors can strengthen their relationships with clients by effectively incorporating personal legacies into their existing practices.

1. The types of personal legacies (memoirs, oral histories, ethical wills, etc.).
2. How personal legacies can benefit clients and enhance the long-term relationship with their advisors.
3. The issues advisors and clients face when crafting personal legacies as part of financial and estate plans.

Moderator Bio: As a personal histo­rian, David G. O’Neil helps families, busi­nesses, and organiza­tions tell their remark­able stories in ways that create a lasting legacy. After missing the op­portunity to document his parents’ life stories, David started Story Trust to help families honor their loved ones by recording and preserving their life stories—as memoir books, oral-history recordings, and documentary videos.

David has been a high-school English teacher, book editor, and publishing execu­tive. He holds a BA in economics from American University and a master’s degree in theology from Harvard. A frequent speaker on the topic of personal history, David has been quoted in The New York Times, The Christian Science Monitor, Kiplinger’s Retirement Report, and Reuters on the value of personal legacy. For more information, please visit www.storytrust.com..

Session 3

Moderator: Brian W. Monnich, Partner, Choate Hall & Stewart LLP

Title: Topics in International Estate Planning

Summary:

1.  U.S. estate and gift tax rules applicable to non-resident aliens
2. Planning for married couples where one spouse is a non-U.S. citizen
3. Potential traps and pitfalls in international estate planning

Moderator Bio: Brian W. Monnich is a partner in the wealth management group at Choate Hall & Stewart LLP. He advises clients on a range of estate planning matters, including lifetime gifting strategies and trust and estate administration. He devotes part of his practice to international estate planning. He is a member of the American and Boston bar associations and the Society of Trust and Estate Practitioners ("STEP”), and is also actively involved with The Trustees of Reservations. Prior to attending Boston College Law School and commencing his career as an attorney, Mr. Monnich was a foreign language teacher at schools in the Washington, D.C. and Boston areas..

Session 4

Moderator: Barbara Attardo, CFP®, Managing Director, Daintree Advisors LLC

Title: What is Their Number? Helping Your Clients Prepare for Retirement

Summary:  Are your clients on track for a successful and financially secure retirement? If so, give them the peace of mind that they are fine. If not, help guide them to make the changes required now in order to live the life they want in retirement. Help your clients answer the questions ‘When can I retire?" and "What kind of lifestyle can I have?". We’ll discuss how to get your clients to think and dream about retirement and to create the plan to achieve it. Planning cannot start too early or too late. We’ll discuss timing of retirement, lifestyle, appropriate asset allocation, risk exposures and where their ‘paycheck’ is going to come from in retirement.

Moderator Bio: Barbara C. Attardo is a Managing Director at Daintree Advisors. With over 20 years experience servicing the complex needs of high and ultra high net worth individuals and families, Barbara is skilled in providing objective, comprehensive financial planning and investment management. In her roles as Senior Client Advisor and Senior Wealth Strategist, Barbara works with her clients to build, enjoy, preserve and transfer wealth consistent with their goals, while maximizing opportunities and minimizing risk. For more information, visit www.daintreeadvisors.com.

Session 5

Moderators: Scott B. Kaplowitch, CPA, Partner, Edelstein & Company LLP

Title: When to Gift Assets and When to Let Them Die With You

Summary: Help your clients answer the question of when is the best time to pass on their assets to future generations. Depending on your client’s goals and the type of assets in his or her portfolio, certain assets are best for lifetime giving and others for passing after death. Gift and estate tax avoidance, step-up in basis and the type of assets owned, all play a role in determining when is the best time to gift an asset. We will discuss how to:

1. Examine assets in your client’s portfolio
2. Assess the type of assets to determine which are best for lifetime gifting vs. gifting after death 
3. Develop a strategy to maximize a family’s assets

Moderator Bio: High net worth individuals with complex financial concerns need a trusted advisor who can spot issues before they become problems. Scott has more than 20 years experience handling sophisticated estate plans and complex tax issues for individuals and their businesses. He has extensive experience in individual, trust, estate, partnership and corporate taxation as well as audit. Scott is member of the Massachusetts Society of Certified Public Accountants, American Institute of Certified Public Accountants, Boston Estate Planning Council, Essex County Estate Planning and Business Council, and is treasurer of the Jewish Federation of the North Shore.