Four Points Niagara Falls - Fallsview
June 5-7, 2022
Niagara Falls, ON

Sunday June 5, 2022 - Grand Ballroom

5:00 PM - 6:00 PM Registration in the Grand Ballroom

6:00 PM - 6:10 PM

Mike Englert
B. Ed., EPC

  Founding Faculty Member, Compliance Officer CIEPS

Mike's Bio




Opening Remarks

6:10 PM - 7:00 PM

Catherine Rahal EPC

Catherine's Bio

Susan Nichol

Nichol Services

Susan's Bio
If You Love Them Leave Them Lists! (Vous Aimez Vos Proches? Laissez-Leur Des Listes!)

A Guide to Navigate Difficult Conversations and Organize Your Affairs

LISTS has been designed as a guidebook to help individuals put together the information that will be crucial for those who are named in their essential documents - the power of attorney, the mandate or healthcare/financial proxy, and the will. 

The text is divided into sections, making it easier to tackle one task at a time. 

The second part of the book is comprised of lists, which can be used as is or as a basis for one's own design. 

If one is settling an estate without having such a list, the book and its lists can serve as a guide as to what to look for.

Here is what one person said about Catherine and her book

"My mother passed suddenly when I was in my forties. It was unexpected and traumatic but I didn't realize at the time that it would take another two years of often frustrating work to untangle even her small and simple estate. I resolved then to do better for my kids but, like many people,

I didn't know where to start and found the topic off-putting.

Enter Catherine Rahal and IF YOU LOVE THEM LEAVE THEM LISTS. She approaches this difficult topic with compassion and humour, giving support and counsel in equal measure. Above all, though, she provides a remarkably rich and thorough framework for me to plan my estate. Her abundance of checklists and forms have allowed me a running head start and will ensure that I don't forget anything important along the way. I wish I had this book 12 years ago, but it is never too late!

Submitted by Brian Bradley - Healthcare worker and Father of two
7:40 PM - 8:30 PM Reception (Finger Foods, Punch) in Grand Ballroom & Enjoy Niagara Falls
Monday June 6, 2022 - Grand Ballroom

7:00 AM - 8:30 AM

Breakfast at IHOP Restaurant / Registration in Grand Ballroom

8:30 AM - 8:45 AM

Jim Diodati

Mayor - Niagara Falls, ON

Jim's Bio

Official Niagara Falls Welcome - Mayor Jim Diodati
8:45 AM - 9:00 AM Opening Remarks - Mike Englert B. Ed., EPC

9:00 AM - 9:50 AM

Peter Wouters


Founding Faculty Member & Faculty Chair CIEPS

Peter's Bio

Ageing Canadians and the R Word?

Today's retirement is not the same as your parents' retirement if only because of the huge numbers of you entering that stage and how much longer you will live as a group.

There are a number of issues that face retirees today that have changed the face of what is still conventionally called retirement, issues that will alter it more in the coming years. And there's that term, retirement.

Though I've used the term "retirement" several times, what does the "R" stand for when used by ageing Canadians? 

Myths abound and so  do the options for what is now the longest set of phases in a person's lifetime.  

This thought-provoking session covers the new and emerging realities for ageing Canadians and steps you can take with them to optimize their situation and your collective future. 
10:00 AM - 10:50 AM

Stephanie Hill


Aboriginal Senior Wish

"Making Elder Wishes Come True!"

Stephanie's Bio
Social & Economic Challenges Around the R-Word & Positive Aging

When we think of retire, what comes to mind, and how will we be able to retire. I will be discussing communication, how we communicate and why we need to communicate.

When we retire, do we think beyond what it is going to look like, what life is going to be like each and every day, a key component to ask ourselves is - will our basic necessities of life be met, will food/housing/health care be adequate and accessible for me?

I will look at what are our wants are when we retire, do we have a sense of belonging, a sense of purpose, are we engaged in socializing, and is my health care needs  going to be  met or how will I afford services, if need be.

I will look at Positive Aging, what it is, can we make better choices in near term to improve lives long term. We will need to adopt positive view of aging as a healthy normal life, things like exercise and hobbies, how important are these factors.

There will be a discussion around the Aging Directory, knowing how to access programs and services, where to go, when to go and most important can they help.

I will look at Fit 4 Soul, the importance of why we need to keep moving, why get involved, why do we need to do something as simple as walking each day, not only does it keep up us physical wellbeing intact but does wonders to our soul!

I will look at some of the barriers for Financial Literacy and Aboriginal people, why it requires a flexible approach and why are their needs different.

Lastly, I will look at Understanding the Aging Experience of Aboriginal Seniors, some of the challenges faced by many.

11:00 AM - 12:00 PM

Mike Englert
B. Ed., EPC

  Founding Faculty Member, Compliance Officer CIEPS

Mike's Bio

The Best Exotic Marigold Hotel

When most pre-retirees think about retirement, they tend to envision a life of leisure filled with new experiences, exciting activities, and exotic destinations.

Sadly, reality is far more mundane.

According to multiple surveys, MOST of the extra time retirees have is consumed by three simple things: reading, resting and watching TV...  lots and lots of TV! 

Retirees who want more could clearly learn a thing or two from The SUPER retirees, The ALPHA retirees...  those brave trail blazers who are boldly going where few retirees have gone before! I'm referring, of course, to the roughly 10% of Canadian retirees who have set up permanent or part-time residency outside of Canada. 

There are numerous benefits associated with setting up residency abroad. It forces these retirees out of their comfort zone, it exposes them to new experiences, it encourages life-long learning, and - best of all - it helps to make these retirees healthier, happier, and more engaged than their homebound peers.

Living abroad can also dramatically enhance a retiree's lifestyle - the cost of food, accommodation, transportation and even healthcare is quite literally "dirt cheap" in a wide variety of extremely desirable foreign locations.

In this presentation, we'll focus on the many benefits of setting up residency abroad AND at some of the most attractive destinations in the world. 

Put another way: We are going to do some Strategic Dreaming!

12:00 PM - 1:00 PM  Buffet Lunch Provided - Grand Ballroom
1:00 PM  - 1:50 PM

Jennifer Cook



Jennifer's Bio

How to Differentiate Yourself from the Competition and Maximize Client/Customer Experience

The definition of "Differentiate Yourself" is to do something very well or in a way that deserves special recognition and people recognize you and will do business with you or use the services that you offer.

It's difficult for financial advisors to differentiate themselves. Whether you're a financial planner or insurance advisor, what you offer has a lot in common with your peers' offerings. Saying that your service and offerings are exceptional won't convince prospects of that fact. 

Advantages that might have set you apart 10 years ago, no longer work, no matter what spin you put on them.  

You must dig deeper. Instead, business professionals need to find or create real differences they can leverage in any market.

In this presentation, Jennifer will show us how to differentiate yourself from your competition and captivate your clients and customers. 

1 - Create a powerful brand
 2 - Build a champion team
3 - Network for success
4 - Craft a strategy for success
5 - Maximize client/customer engagement
6 - Keep the dream alive and growing
7 - Build a legacy.

So, how can you stand out? Consider the above in order to discover how professionals can differentiate themselves by working to present a positive and unique service offering.
2:00 PM - 2:50 PM

Andrew Cairns

National Lead - Wealth Management

HomeEquity Bank

Andrew's Bio

Surprising HNW Client Applications of CHIP Reverse Mortgage

The #1 CHALLENGE FACING RETIRED CLIENTS IS Getting access to CASHFLOW for themselves and CASH to their children.

The #1 CHALLENGE FACING ADVISORS IS PREVENTING CLIENTS FROM MAKING BAD DECISIONS such as cancelling policies, redeeming investments or suspending your advice.

THIS IS A PRESENTATION DESIGNED TO HELP YOU PRESERVE AND PROTECT YOUR BUSINESS while being of service to HNW clients 55+ in need of savvy tax-smart cashflow solutions.

Traditional financial plans designed for Canadians never took into account the cascading and varying degrees of financial fallout caused by the COVID-19 virus. Coupled with increasing longevity, financial plans must account for cash needs long into the future and account for unexpected crisis. 

The need for a safety-net is unprecedented and will impact the better generations of Canadians 55+ as their retirement plans and income strategies will inevitably encounter challenges.

Fortunately, high home ownership rates amongst Canadians 55+ and rising real estate markets has created significant new wealth. This Real Estate Investment Class is prime for the right tool to convert static wealth into cash in hand and cash on demand. Helping an emerging class of HNW Canadians diversify away from their real estate is increasingly difficult with traditional investment solutions.  Open-minded advisors are already adapting using reverse mortgage lending technology to serve HNW clients keep more wealth active, longer.


Topics include:

1. The NEW Silvering HNW Client in Canada - attitudes about home.
2. The DEMANDS of the next generation and intergenerational wealth transfer as a living gift.
4. The impact, reliance on, and growth of the BANK OF MOM & DAD
5. TAX-SMART strategies to maximize retirement cashflow and keep PORTFOLIOS intact.
6. The dreaded OAS CLAWBACK and ideas to help keep more GOVERNMENT BENEFITS

All participants will receive a copy of HOME RUN, a detailed HomeEquity Bank book covering the latest developments in the Canadian reverse mortgage marketplace and case studies showcasing successes to empower forward thinking financial advice.
2:50 PM - 3:00 PM Coffee Break
3:00 PM - 3:50 PM

Mike Danks


President -

Mike's Bio
The Solution to Financial Worries for Boomers, Millennials & Gen X Ers

The solution to retirement is "Don't retire."  Stop working and do what you always wanted to do. For millions of boomers, that means starting their own business, or becoming a Boompreneur. Owning a business is not for everyone, but neither is golf.  

This presentation will show how to combine the skills of Boomers, Gen x ers and Millennials to provide a solution to make everyone happy and prosperous.

You as the Financial Advisor will be the coach which will result in happy clients, more business and new clients, Gen x ers and Millennials.

We will give you a step-by-step procedure to start the conversation and the tools to help the Boomer. "Do it before someone else"
4:00 PM - 4:50 PM

Amanda Richards


Director, Business Development and Community Integration

CHARTWELL Retirement Residences

Amanda's Bio
Think You Know Retirement Living?

Think Again The term 'retirement home' often conjures images of clinical institutions for those with advanced care needs however, this is not really an accurate representation. Retirement living spans multiple levels of care and offers a wide range of accommodation types. From independent living in condos, townhomes, or apartments to fully supportive care in private suites, retirement living serves to enhance the quality of life for seniors. 

Living in one's home has often been touted as the ultimate goal for seniors, but at what cost? For those seeking an alternative to the detrimental affects of social isolation, retirement living promotes a vibrant and active lifestyle. 

The purpose of this informative session is to provide an overview of what life in a residence is really like and how it may benefit your clients. Attendees will gain an understanding of the true nature of retirement living in Canada as well as how it differs from long-term care and how to navigate the options.
4:50 PM Closing Remarks, Adjourn & Enjoy Niagara Falls

Tuesday June 7, 2022 - Grand Ballroom

7:00 AM - 8:45 AM Breakfast at IHOP Restaurant / Registration in Grand Ballroom

8:45 AM - 9:00 AM

Mike Englert

B. Ed., EPC

Founding Faculty Member, Compliance Officer CIEPS

Mike's Bio

Opening Remarks
Mike Englert B. Ed., EPC, Compliance Officer, Founding Faculty Member CIEPS
9:00 AM - 9:50 AM

Marc G. Seguin
MBA, Author

Marc's Bio

"Planning For Aging Is The New Reality"

Give your aging customers peace of mind for the elderly years.

The longevity economy is upon us. We are all living longer, with a significant likelihood of some reduction in our ability to operate independently. Planning for the unplanned situations has become necessary and possible. Marc introduces the Advocacy in Aging planning framework, allowing all to live aging years with peace of mind, knowing affairs are well organized and ready for transition to trusted advocates.

Strengthen client satisfaction, expand family relationships, and attract new customers by bringing the important conversations to the surface. Most people are hesitant to talk about money, death, critical illness or loss of independence, especially with family. By facilitating the aging plans and conversations, your customers will develop the open communications and relationships that will provide the help to really manage, and ultimately transition, all aspects of financial, physical and mental affairs. 

Topics Covered:

  • Demystifying the scope of estate and healthcare planning using the 5 pillars

  • Structuring financial plans that are easy to understand and implement

  • Creating allotments to compartmentalize the various needs over one's lifetime

  • Engaging family and trusted parties through yearly meetings

  • Organizing, consolidating and downsizing assets, including principal and secondary residences

  • Seamless transitions of financial and personal care management


Financial planning, estate transition, wills, power of attorney, downsizing, sustainable client engagement, estate organizer 

10:00 AM - 10:50 AM

Heather Holjevac


Holjevac Financial Group

Heather's Bio
NAVIGATING The Post Covid Female Retirement Reality:  Sandwiched between Adult Children & Aging Parents

After nearly 2 years, the effects of the pandemic on our longer term lifestyle is showing up. One of the most concerning impacts is to Boomers and Gen-Xer's current and future Retirement Plans.

The National Retirement Risk Index (NRRI) stated, 50% of pre-pandemic households were in danger of having  sufficient funds to continue their standard of living in retirement. Post Pandemic, this number is 55%.

For women it is even more concerning. Pre-Covid, only 14% of Women Gen Xer's were "very confident" that they would be able to fully retire with a comfortable lifestyle, with 43% of Women Boomers feeling the same way. Post -Covid, this has dropped to 11% for Women Gen Xer's and 40% for Women Boomers. 

Additionally, 43% of women have no retirement strategy, even though it is predicted that by 2026, women will control 54% of the worlds' wealth. 

With an aging population and a generation of young adults struggling to achieve financial independence, the burdens and responsibilities of Female Boomers and Gen-Xers are increasing. 

Nearly 52% of Gen-Xers has a parent who is aged 65 or older and are either raising a young child or financially supporting a grown child, 18 or older. One in 7 Gen-Xer's are providing financial support to both an aging parent and a child and for Boomers, this number is nearly doubled to 27%)

For both Boomers and Gen-Xers, women are the main caregivers and feeling the tremendous pressure of being sandwiched between these roles. 

While these numbers may look bleak, this presentation will cover the often confusing and vast array of options available to women Boomers and Gen-Xers, as they adapt to a new Post Covid retirement reality while having to effectively care for multiple generations of family members.

We will discuss the following recurring issues and unique challenges, with a Post Covid twist

Loss of workplace productivity through job loss /stress leave
Aging in place vs. downsizing or retirement housing
Assisting Adult children with property ownership
The transition through various life stages of retirement
Becoming suddenly single from divorce or passing of a spouse
Living with a chronic illness

In addition, we will discuss how to manage the unique challenges of being part of the sandwich generation - being caught between the emotional, financial and time-consuming struggle of assisting Adult Children and Aging Parents.

You will take away actionable tools and resources to assist Gen-x and Boomer women to NAVIGATE their new Post Covid RETIREMENT Reality, understanding their unique challenges and be able to provide an action plan,  knowing they will enjoy a happy retirement, while being able to effectively care for multiple generations of their family.

11:00 AM - 11:50 PM

Donna Ritch

RN., EPC Faculty Member, CIEPS

Donna's Bio

Sherri Galler

BA, SCMP, EPC Faculty Member, CIEPS

Sherri's Bio

Caring Beyond Covid- The Future of Care Has Forever Changed...Are You Ready?

After this presentation, you will see why the need for Long Term Care insurance is so important and you will be in a much better position to offer this to your clients and prospects.  

Perhaps the conversation should start with your aging prospects and clients children purchasing LTC for their parents.

This presentation will cover the following:

How waves of Covid have forever changed the perception of living safely in a congregate setting
Examine the affects the last two years have had on LTC
Identify the economic and health effects on staff in LTC
Review role that withdrawing unpaid caregivers and volunteers had on LTC homes 
What lessons have been ignored and repeated in LTC
Incentives being offered to increase nursing staff in LTC
Identify how our old views of nursing staff need to change 
What future LTC care may look like for elders in 2040
So where and how will this industry rebuild
Opportunities rolling in to assist in improving care and wellbeing of elders
Discuss how new exciting technologies will improve the lives of those living in LTC as well as supporting the staff Suggest the role each of us can play in supporting change today and in the future
12 Noon - 12:50 PM

Jim Ruta


Founding Faculty Member CIEPS

Jim's Bio
Why You Want a Hybrid Retirement  

According to research, pre-retirees have three fears as they enter retirement:

1. Will their money last as long as they do?
2. Will their life have had meaning?
3. Will there be anything left over to leave to the people they love?  

The question is, how can they deal with these and other fears effectively and live a long and satisfying life in retirement. Is there a way to retire, do what they want, and still do it with a minimum of fear?  

A "Hybrid Retirement" can answer these fears and provide more of the peace of mind and quality of life that retirees crave. Jim Ruta, President of Advisorcraft Media and co-author of the book, "Don't Worry, Retire Happy - 7 Steps to Retirement Security for Canadians" ( defines a hybrid retirement; why it matters; and how it can make a substantial difference in the satisfaction our clients experience when they make the transition. He'll explain the reasons, the benefits, and how to help clients go hybrid successfully. It will give retirees the permission to do something many of them contemplate but aren't sure is "a thing". But it is. This simple decision can be the most significant one a retiree ever makes. It will become the most popular approach for retirees post-pandemic.  

The benefits of a hybrid retirement go beyond the 3 fears cited to other fears like "loss of purpose" and "loss of social connection" which are maybe even more critical to general health and vitality of the elder population. Given the extraordinary personal, medical, and financial circumstances of the pandemic, this idea is more vital than ever to help maintain our clients' mental, physical, and financial health.  

For more information about Jim Ruta check out and
12:50 PM

Mike Englert

B. Ed., EPC

Founding Faculty Member, Compliance Officer CIEPS

Mike's Bio

Closing Remarks, Adjourn & Enjoy Niagara Falls

Canadian Initiative for Elder Planning Studies Inc.
203-4438 Ontario Street, Beamsville, ON L0R1B5

Toll Free Phone 866 833-8606  Toll Free Fax 866 209-5111

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