Emerging Issues in Wealth Planning

Date: Wednesday, May 15, 2024
Time: 1:00pm - 4:30pm
Location: The Alloy, 301 W. Dekalb Pike, King of Prussia, Pa 19406
Speaker: Ross Bruch, Esq., Brown Brothers Harriman & Co., Michael Amoia, JD, LLM (TAX), CLU®, ChFC®, Advanced Markets, Thomas Bayer, Jr., CFP®, MT, and Gina Parissi, CFP®, The Haverford Trust Company

We hope you can join us for this exciting presentation!  3 hours of Continuing Education credit is approved for this course for CTFA, CFP®, PA Attorneys, Insurance and Accountants. 

Our annual seminar will be broken down into three parts and will be followed by a reception from 4:30-5:30pm:

IRA and Retirement Plan Considerations- Speakers Gina Parissi, CFP® and Thomas Bayer, Jr., CFP®, MT, The Haverford Trust Company. In the eighties, traditional employer pension plans gave way to the less expensive and easier to administer 401(k) plans. With the Economic Growth and Tax Reconciliation act of the 2000’s, contributions to qualified plans were increased and expanded to allow for “catch up” contributions for employees age 50 and over. While the average American has an estimated $87,000 in retirement savings, high net worth individuals have embraced qualified plans to defer income tax and save for the future. Wealth advisors are seeing more and more clients with significant savings in pre-tax plans and now must consider strategies to mitigate high income tax bills in retirement years. If left unchecked, large retirement plans can become an income tax burden for the next generation. This program will explore strategies during employment years and in retirement to diversify investable assets. It will also look at implications at death for beneficiaries post-Secure Act and opportunities for retirement account holders to consider in their estate plan.


Artificial intelligence in the practice of law: can you quit your day job yet?- Speaker Ross Bruch, Esq., Brown Brothers Harriman & Co. Over the next decade artificial intelligence will become as fundamental to our professional lives as email and the internet have been over the last twenty-five years.  This course will discuss what lies ahead for artificial intelligence and 7 predictions for how AI MAY change the practice of law over the next 10 years.



Using “Private Split Dollar” to Create Real Value for Clients- Speaker Michael Amoia, JD, LLM (TAX), CLU®, ChFC®, Advanced Markets. Life insurance is an extremely complex financial asset that has several unique tax benefits. However, when the policy is trust owned, paying the premiums incorrectly could cancel out many of those tax benefits. Because of this, there are an array of techniques used to pay the premiums without the adverse gift or generation skipping transfer tax issue that might arise by just paying the premium directly to the insurance company. One of those techniques is leveraged off a set of regulations that date back to 2003, known as the Final Split Dollar Regulations. Historically, Split Dollar was an employee benefit, so it was almost exclusively discussed in compensatory situations. However, others realized in the late 90’s that similar principles could be used in a private situation. So, within the regulation, in addition to the points on compensatory arrangement, there were specific rules included to address “private split dollar.” As a result, we now have clear guidance on how to pay life insurance premiums in a private split dollar situation.


Our Speakers

Gina Parissi, CFP®, The Haverford Trust Company - Gina has more than 10 years of experience in the financial services industry. As a Senior Wealth Planner, she works with clients and their Portfolio Managers in building customized financial plans based on the clients’ financial situations and goals.

Thomas Bayer, Jr., CFP®, MT, The Haverford Trust Company - As a Wealth Planner, Tom works with clients and their Portfolio Managers in building customized financial plans based on the clients’ financial situations and goals.

Ross Bruch, Esq., Brown Brothers Harriman & Co - As a Senior Wealth Planner in the Philadelphia office, Ross works with and advises successful individuals and business owners on the preservation, growth and transfer of wealth. Ross recently completed his term as the Chair of the Probate Section of the Philadelphia Bar Association. He regularly speaks and writes on the topics of technology and the law and digital asset planning. Ross is a co-host of the Digital Planning Podcast and the editor of the Technology-Probate column for the Probate & Property Magazine.

Michael Amoia, JD, LLM (TAX), CLU®, ChFC®, Advanced Markets - As Vice President of Advanced Markets, Michael Amoia works to implement advanced wealth transfer and business planning techniques that leverage the use of life insurance. With over 28 years of experience and a deep understanding of complex estate planning techniques, Mr. Amoia works closely with both our back-office life insurance case design and financial planning teams to create client deliverables that help illustrate how these techniques and strategies can maximize the ability for clients to efficiently transfer intergenerational wealth. Mr. Amoia is a frequent national speaker on various estate planning topics and an author of numerous industry articles.  


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