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Date / Time / Location

Tuesday, December 3, 2019
8:30 AM - 4:30 PM
Registration: 8:00 AM

NJCPA Learning Center105 Eisenhower Parkway, Suite 300
Roseland, NJ 07068

CPE Credits

  • 8.00 CPE Credits in TX

Package Pricing

In-Person Registration
  • $279.00 - Member
  • $379.00 - Non Member
Webcast: Attend this seminar virtually
  • $279.00 - Member
  • $379.00 - Non Member

Course Developer

Qualifies For

  • CFP
This course gives CPAs the knowledge to help their clients plan for retirement by evaluating how much retirement income they will require and planning for how to reach their retirement goals.

Designed For

CPAs looking to advise clients on retirement planning and CPAs looking for effective strategies for their own retirement.


  • Help clients determine how much retirement income is necessary for the desired retirement lifestyle
  • Identify resources available for retirement
  • Understand how to build the three-legged retirement stool: employer retirement, savings, and Social Security
  • Develop Plan B when the ideal retirement goal is not achievable
  • Explain ways that clients can convert the equity in a home to retirement income and how the value of a small business can be converted to retirement income
  • Explain survival possibilities and how first-to-die and last-to-die survival probabilities are used in retirement planning for married couples
  • Understand timing regarding the use of taxable retirement funds and nontaxable funds, and strategies to minimize income tax on Social Security
  • Recognize the role of various investment types, such as life insurance, annuities, mutual funds, equity holdings and bonds in retirement planning
  • Summarize key points of recent research on the sustainability of retirement income and maintenance of desired retirement lifestyles


  • Retirement planning using variables such as desired lifestyle, travel plans, housing plans, medical needs and family needs to customize a retirement plan unique to the client
  • Using the residence and other real estate as retirement assets through equity and rent
  • Using the small business as a retirement resource through creative retirement plans, non-qualified deferred compensation and converting the value of the business through sales within the family or to an outside party
  • Asset allocation, portfolio management, portfolio rebalancing and investment selection concepts, before and after retirement, tax-saving investment transactions and the optimal asset mix between retirement plans and taxable savings
  • Developing a three-legged retirement stool of employer retirement, savings and Social Security and timing the use of the legs of the stool to maximize after tax retirement benefits
  • Distribution/asset liquidation planning including the pros and cons of various annuity options, guidelines/strategies using the minimum required distribution rules for qualified plans and IRAs, beneficiary elections and the use of trusts
  • Sustainable portfolio withdrawal rates during retirement for differing stock/bond/cash asset allocations, inflation rates and tax rates both from tax deferred accounts and taxable accounts
  • Analysis of the most current/important research on retirement planning and sustaining retirement income levels and lifestyles and the impact of the most recent tax laws, regulations and rulings

Course Level



Basic knowledge of retirement planning.

Advance Preparation


Additional Notes

  • Qualifies for CFP Credit.

Course materials are distributed electronically and we’ve passed the savings along to you - registrants save $20 on all 8-hour seminar pricing. To access the materials visit My Events. Download to your laptop or tablet prior to the seminar, handouts are added as received.

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Registrations will be accepted at the door.

Diane Lapon

Diane A. Lapon, CFP
Lapon Financial Services

Diane A. Lapon is a certified financial planner and founder of Lapon Financial Services. For the past decade, she has provided financial planning consulting services to a wide range of clients. She has extensive experience in all aspects of personal financial planning issues and has lectured at Harvard University, Bentley College, Arthur Andersen and the American Institute of Certified Public Accountants. Prior to establishing Lapon Financial Services, she was in charge of financial planning for the Boston office of Arthur Andersen.

Ms. Lapon received her undergraduate degree from the University of Pittsburgh, master’s degree from the University of Pennsylvania, M.B.A. from Babson College and Master of Science in Taxation from Bentley College. She holds the Series 7 and 63 licenses.

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