HighTech Lending has created the most innovative mortgage product of the last 20 years. This new ultra-low payment HELOC provides homeowners with the same time/money arbitrage used by insurance companies. 

Phil has over 30 years’ of experience in the financial services industry. He made the transition to reverse mortgages in 2006 as the Senior Vice President of Network Source Funding and then the National Sales Manager of the reverse mortgage division for First Horizon Home Loans, a Fortune 500 company, which was acquired by MetLife in 2009. Phil also worked many years as a financial advisor for Morgan Stanley Smith Barney and Merrill Lynch.

• Phil is the author of, “The Boomer Effect” which was published by Financial Advisor Magazine (FA Magazine) and discusses the last major economic impact the baby boomers will have on our economy, Medicaid, and millions of wealth management families across the country.

• He is also the lead author of the peer-reviewed study “To Reduce the Risk of Retirement Portfolio Exhaustion: Include Home Equity as a Non-Correlated Asset in the Portfolio” which was published in the Journal of Financial Planning, Dec 2021.

• Phil has been recognized as a verified Researcher by ResearchGate. He is a regular speaker at the FPA Annual Conference, FA Magazine’s Retirement Symposium, the NAPFA Conference, and FPA Chapters from coast to coast. 

This course provides an overview of long-term care and the coverage gaps that exist within Medicare and Medi-Cal. Participants will learn what long-term care is, including the assistance required over an extended period of time with Activities of Daily Living (ADLs) such as bathing, dressing, eating, transferring, and continence, as well as Instrumental Activities of Daily Living (IADLs) like housekeeping, transportation, shopping, and medication management. The course also reviews different levels of care—including custodial, intermediate, skilled care, and care related to cognitive impairment—and explains where long-term care services are typically received, such as at home, in assisted living facilities, adult day care centers, residential care facilities, and skilled nursing homes.

In addition, the course examines how long-term care is funded and the limitations of traditional programs. Participants will learn that Medicare and Medicare Supplement plans generally provide only short-term skilled care under specific conditions, while Medicaid (Medi-Cal) is primarily designed for individuals with limited income and resources. The program also explores alternative funding options such as personal assets, income, reverse mortgages, life settlements, and long-term care insurance. Finally, the course reviews current and projected annual costs of care using CareScout (Genworth) data, highlighting the increasing financial impact of long-term care and the importance of planning ahead. 

Stan, a Vietnam Era vet, attended Chapman University after the military. becoming a licensed insurance professional in 1983. He opened his insurance brokerage over 30 years ago, adding LTC Insurance to his portfolio of Life and Disability products. A premier specialist in LTCI for over 25 years, Stan has taught Licensing courses for LTCI as well as other CE courses for LTCI Continuing Education (CA) courses. He receives numerous invitations to speak across CA and the US, addressing financial planning, legal, senior, accounting, university, and Medicare conferences. He holds membership and board positions in CAHIP & NABIP chapters, fiduciary groups, and estate planning associations.

Aside from his personal production and teaching seminars, Stan coaches financial advisors, insurance agents and clients through the complexities of LTC Insurance. SDIINS assists with education, marketing, and product knowledge. Stan loves what he does… All client proposals are client-centered and individualized. Stan often confers with clients’ financial advisors to ensure that the coverage purchased reflects clients’ needs, budgets, financial plans, and lifestyle requirements.
SDIINS represents most LTCI carriers in CA, et al and prepares custom quotes for Traditional and Hybrid (Accelerated Benefits). The agency advocates for consumers to create a Long-Term Care Plan--identifying and consolidating important documents in one place – before the need for care arises. This may include insurance, estate plan, retirement and financials, veterans’ papers, Healthcare Directives, POA’s, and a record of clients’ wishes. 

This course explores the economic forces driving today’s market volatility and what they mean for investors, advisors, and the broader economy. Participants will examine the end of the Federal Reserve’s pandemic-era monetary policies, the implications of persistent inflation, and the potential for recession in an environment shaped by geopolitical uncertainty and supply-chain disruptions. The session provides a big-picture view of the U.S. economy, analyzing how rate cycles historically influence markets and what current conditions may signal for future economic growth and investment opportunities.

The course also evaluates several long-term structural trends shaping the economic landscape, including the reshoring of manufacturing, demographic shifts in the global workforce, changes in consumer spending patterns, and the evolving role of trade policy and tariffs. Participants will gain insight into the resilience of the U.S. economy, the importance of domestic consumption, and the factors influencing housing, credit markets, and the strength of the U.S. dollar. By connecting these macroeconomic themes, the program equips learners with a clearer framework for understanding volatility and identifying potential opportunities in an uncertain market environment. 

Bryce Gill is an Economist and is part of the First Trust Economics Team that Bloomberg has ranked as one of the top forecasters of the U.S. economy over the past several years.

At First Trust, Bryce is responsible for analyzing economic indicators, writing economic commentaries and producing articles on the First Trust Economics Blog. He is also one of First Trust’s national speakers, traveling around the U.S. to present timely information on the economy and financial markets to both professional and everyday investors. Cogent’s 2017 Survey of Advisors rated First Trust’s thought leadership material as number one for most read and most shared by financial professionals with colleagues or clients.*
Bryce is based in First Trust’s Austin, TX office and received an MBA from the University of Texas McCombs School of Business and a BA in Economics from Miami University (Ohio). 

Shari will offer an inside look at legislative and regulatory developments impacting financial professionals and their clients, along with updates on advocacy efforts affecting the industry