Investment, Retirement, Estate and Advanced Planning (IREAP) Center Impact Day

Many Americans believe estate planning is only for the wealthy, but families of all income levels need a plan to protect their assets and loved ones. Misconceptions and confusion often prevent people from taking action, which can lead to costly consequences.

Recent tax law updates are reshaping the way financial professionals approach estate planning and charitable giving. Join NAIFA for “The One Big Beautiful Bill; Several Big Beautiful(?) Tax Law Changes” on Wednesday, November 12, 2025, from 3:00 to 4:00 pm Eastern for a clear overview of the key provisions introduced by this major legislation and what they mean for your clients.

NAIFA members are invited to the Q4 State of NAIFA webinar at 12 pm Eastern, October 22, 2025. Hear updates on NAIFA's advocacy efforts, professional development programs and other membership activities designed to enhance your professional growth. Every NAIFA leader should tune in.

NAIFA is reimagining its flagship event for 2026 with the launch of Protectors Vegas, a bold new experience created in partnership with Connectiv, the live-event studio known for producing InsureTech Connect, Medicarians, and other powerhouse industry gatherings. The event will take place November 9–11, 2026, at The Venetian in Las Vegas, bringing together top minds in insurance, financial advising, and annuities for an immersive, high-energy conference unlike anything the profession has seen. See coverage in InsuranceNewsNet and watch the video.

NAIFA is pleased to recognize two Diversity Champions for 2025: Danny O’Connell, LACP, of Dallas, Texas, and Christopher Potts, Sr., of Rock Hill, South Carolina. O’Connell and Potts will be honored along with other NAIFA award recipients at the 2025 Belong awards dinner on October 14 in Arlington, Virginia.

NAIFA’s Advisor Today is pleased to announce the winners of its annual 4 Under 40 awards: Nicholas Limongelli, CLU, of NAIFA-New York; S. Grayson Owen, CLU, REBC, of NAIFA-Georgia; Carson Porter, CFF, FSS, RICP, LUTCF, CHLU, of NAIFA-Nevada; and Rachel Sayyad of NAIFA-Maryland.

The Financial Times is inviting NAIFA members to attend (in person or virtually) its full-day conference, Guiding Generations: The Future of Estate Planning, presented by FT Live and Financial Advisor IQ in partnership with Trust & Will, taking place October 23, 2025, in New York and online. The event is free to all financial professionals. NAIFA is a supporting partner. 

Uncertainty is not new, but for clients nearing or in retirement, financial volatility can create unique challenges. In his recent Journal of Financial Service Professionals article, John N. Migliaccio, PhD, RFG, FGSA, MEd, draws on lessons from past disruptions including the Great Recession and the COVID-19 pandemic to explore how advisors can help clients reframe risk and focus on what truly drives financial decision making.

New findings from the Alliance for Lifetime Income’s 2025 Protected Retirement Income and Planning Study show that financial strain is leading many Americans to sacrifice their own retirement savings and economic well-being in order to support loved ones.

According to the study (now in its seventh year), nearly half of all consumers surveyed said they have made financial sacrifices for family members: 17% of consumers surveyed said they support adult children 26 and older; 10% support grandchildren and 7% support parents or in-laws. More than half say that their financial support affects their retirement savings.

Despite this, only 28 percent reported speaking with a financial professional about the impact on their long-term financial plans.

The Social Security Fairness Act (SSFA), signed into law by President Biden in January 2025, eliminated two long-standing rules—the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). These rules had reduced Social Security benefits for over 3 million public employees, like teachers, police officers, and other government workers, who also received pensions from jobs that didn’t pay into Social Security. WEP reduced their personal benefits, while GPO reduced spousal or survivor benefits. The repeal applies retroactively to benefits starting in January 2024. David G. Freitag, CLU, ChFC, CRPC, and Bruce A. Tannahill, JD, CPA, AEP, discuss the implications for financial professionals and their clients in the current issue of the Journal of Financial Service Professionals.