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We’re working on this event’s program. To see the types of sessions you can expect, check out the past program.

2020 Program

  • Sunday, Feb 23

  • Monday, Feb 24

  • Tuesday, Feb 25

Sunday, Feb 23

7:30 am - 5:30 pm

Conference Registration Open

8:30 am - 10:00 am

CTFA Credit Catch Up: High Wealth, High Risk. Protecting Your Senior Clients

Older adults hold most of the wealth in the US. And too often, they—and their lifesavings—are targets of scam artists and unscrupulous caregivers. Billions are lost each year, but the consequences of financial exploitation go beyond dollar signs. Victims experience fear, shame, depression, and are at a higher risk of losing their homes. Hear directly from fellow bankers, the Department of Justice and Adult Protective Services on training, education and partnerships to help protect your senior clients.

  • Anne Larkin, Business Risk & Control Senior Manager, Wells Fargo
  • Roseanna Powers, Statewide Training Coordinator, Florida Adult Protective Services
  • Angela Deleon, Senior Community Relations Specialist, People’s United Bank
  • Samuel Kunjukunju, Director of Banker Community Education, American Bankers Association

10:15 am - 11:00 am

CTFA Credit Catch Up: Non-Recourse Loans: A Growing and Largely Untapped Banking Opportunity

An unlikely lender may be knocking on your door soon. Join this short introduction to the world of leveraged IRAs and other tax-sheltered plans, including Health Savings Accounts. Most bankers and lenders think of commercial loans when they hear “non-recourse loan,” but there is a growing demand for non-recourse loans from an unlikely source: Self-Directed IRA owners! Unrecognized by many, the IRS actually allows IRAs to hold real estate, and even use leverage for the purchase. However, the IRS restricts these loans from being guaranteed by the IRA owner. Even so, since 2005 this largely unknown and untapped opportunity has been steadily spreading in the self-directed investing world. Discover why your bank should consider adding non-recourse lending to its portfolio for your existing clients and prospects, before your competition does.

  • William Humphrey – CEO, Principal & Co-Founder, New Direction Trust Company

11:00 am - 11:45 am

CTFA Credit Catch Up: Hitting a Home Run with Financial Wellness: Health Savings Accounts and the Long Game

Health Savings Accounts are in the early innings, with a lot of playing time ahead. Today, nearly one out of four people on medical plans are in the HSA game. There are new players, improved abilities and talented competitors creating a win-win for all stakeholders. What have we learned from the early years as the game has developed? What is changing in the way it is played? The incredible growth opportunities all point to improving the spending and saving experience for the customer, while showing measurable value in the quest for improved financial wellness. Hear from a panel of experts discuss this predominant employee benefit strategy and where it is heading. Batter up! Time to score runs and help people improve both their health and wealth.

  • Sean Engelking, Co-Founder and CEO, Starship
  • Shobin Uralil, Co-Founder and COO, Lively, Inc.
  • John Young, Senior Vice President of Strategic Relationship Management, HSA Bank
  • Kevin McKechnie, Executive Director, ABA Health Savings Account Council

11:30 am - 1:00 pm

Welcome Refreshments

11:45 AM - 12:45 PM


Tax Advantaged Investing for 2020 and beyond

In 2020 affluent Americans and the Trust Teams who serve them are faced with the dual challenge of finding income in a historically low yield environment, and protecting that income from taxes. The “Tax Cuts and Jobs act of 2017” signed into law by the President worked well for many Americans and American corporations but in some cases, not for the affluent. 2020 is of course an election year and regardless of who ends up holding office, taxes will remain a key issue. Cohen & Steers provides access to specialized actively managed strategies, with inherent tax efficiencies that may help investors diversify sources of income and potentially keep more of what they earn. Learn how Cohen & Steers investment solutions can provide you the necessary options to build a better portfolio.

  • Brian Cordes, CAIA, Senior Vice President, Cohen & Steers
  • Neil Bloom, CPA, Senior Vice President, Cohen & Steers

Sponsored by Cohen & Steers

Committed Benevolent Interest (CBI) Love What You Do, Again

We are driven by indelible realities causing the desire for personal joy, meaningful impact on others, and a life well-lived. Accomplish this with a Committed Benevolent Interest (CBI) in your family, your associates, and your customers. Do what you love in the service of others who love what you do

  • Denis Walsh, CFP™, CFS, CEP, RFC President & CEO, Money Concepts International, Inc.

Sponsored by Money Concepts

1:00 pm - 2:00 pm


Picture Your Future So You Can Frame Your Focus Today

  • Dave Coffaro, Principal, Strategic Advisory Consulting Group

2:00 pm - 2:15 pm

Break in The Foyer

2:15 pm - 3:00 pm


Women, Wealth and Influence

  • Gunjan Kedia, Vice Chairman, Wealth Management and Investment Services, U.S. Bank

3:10 pm - 4:00 pm


Communicating to Connect
(Client Management)

Participants will walk through the process of creating REAL (Rational, Emotional, Authentic and Loyal) connections and will learn how to incorporate elements of applied improvisation. Attendees will be led through a series of simple exercises adapted for financial professionals that impart immediately actionable communication skills. Content will cover intergenerational communication as well as which advisor skills are deemed most important by clients.

  • Ryan Sullivan, Managing Director, Hartford Funds

Continuing Rise of Factor-based Investing

With the significant growth of factor strategies, advisors are seeking guidance on how to effectively use them to provide better client outcomes. This session will delve into such key issues as: What are factors?, How should advisors evaluate them?, And how should they be used in building better portfolios?

  • Anthony B. Davidow, Chair, Editorial Advisory Board, Investments & Wealth Institute
  • Jeremy Schwartz, Executive Vice President, Wisdom Tree
  • Grady Smith, Senior Investment Director and VP, Dimensional Fund Advisors

Talent Acquisition and Retention: Using Predictive Index to Build Your Team
(Practice Management)

This interactive session will help you find the right talent to achieve high performance with your financial teams. The PI process consists of a powerful combination of assessment, education and consulting that gives your executive team and organization a common language, provides a solid foundation for employee growth and development, takes the guesswork out of hiring and retaining talented people and helps identify the next generation of leaders.

  • Carla Rojas, Partner, Resource PI

Regulatory Update
(Fiduciary, Legal and Compliance)

This panel will take a look at how you can keep ahead of your fiduciary and compliance responsibilities to better serve your clients.

  • Phoebe Papageorgiou, Vice President, Trust Policy, American Bankers Association
  • Tish Dalton, Director of the Asset Management Policy Group, Office of the Comptroller of the Currency

4:00 pm - 4:10 pm

Break in the Foyer

4:10 pm - 5:00 pm


Engaging the Next Generation of Clients and Preserving a Family’s Legacy Through Planning, Learning, and CommunicationHow do you prepare your client’s family for the wealth – or business – they will inherit? How do you position yourself and your firm to be the one who helps with the transition? This discussion will focus on some key planning strategies that you can employ to help your clients navigate the challenges of passing on wealth to the next generation as well as engaging the next generation of clients on their terms and with an emphasis on things about which they care. Topics such as financial and investment education, creating a family philanthropic vision, improving communication, and business succession will be covered.

  • Alvina Lo, Group Vice President and Chief Wealth Strategist, Wilmington Trust, N.A.
  • Stephanie Ludeke, Head of Private Wealth Management, Neuberger Berman 

When Can a Trustee do ESG Investing?

This panel will consider the use of ESG factors by a trustee to "do well" (risk-return ESG for profit) versus to "do good" (collateral benefits ESG). The panel will explore how a trustee may use ESG factors in compliance with the high standard of conduct demanded of a fiduciary. The panel will also consider the state of the art in the financial economics literature on the ability to profit from use of ESG factors.

  • Robert H. Sitkoff, John L. Gray Professor of Law, Harvard Law School
  • Max Schanzenbach, Siegle Family Professor of Law, Northwestern Pritzker School of Law

Leading with Planning to Grow: Business Development in the New Paradigm
(Practice Management)

Industry forces ranging from low client confidence to higher regulatory standards have forced firms to rethink their traditional, product-centric approach to clients and instead create a new goals-based planning approach. However, offering new tools, processes and training isn’t the whole answer. Changing the behavior of Advisors is the biggest challenge, and this presentation will discuss one bank’s journey from being transaction-focused to relationship-focused.

  • Nerre Shuriah, Senior Vice President and Director of Wealth Planning, First Citizens Bank

Information is the New Currency: Protecting Your Client's Digital Legacy
(Fiduciary, Legal and Compliance)

This session will discuss the legal and practical issues surrounding the handling of digital assets within an estate. Attendees will takeaway emerging legislative solutions and strategies to protect your client's digital worlds.

  • Frederick B. Weber, Estate Settlement Services Practice Leader, Northern Trust

5:00 pm - 6:00 pm

Opening Reception in the Marketplace

Monday, Feb 24

7:30 am - 5:30 pm

Conference Registration Open

7:30 am - 8:30 am


2020 Essentials of Wealth Planning in an Uncertain World

Stay abreast of recent events that could have an impact on your most valued clients’ financial situations. During this presentation, you’ll find valuable information regarding tax planning, a legislative outlook, unconventional retirement strategies, recent research on client advisor dynamics and other helpful tools and resources. You’ll also get a comprehensive summary of 2020 tax rate schedules and other important planning limits.

  • Matthew Sommer, CFA®, CFP®, CPWA, Senior Manager Director, Defined Contribution and Wealth Advisor Services, Janus Henderson Investors

Sponsored by Janus Henderson Investors.

Orlando’s Outlook: More Room to Run in 2020

The economy may skirt recession yet again, the Federal Reserve appears to be on hold indefinitely, and we’re making progress on resolving the China trade dispute and Brexit. With the upcoming election, how ill voters weigh “style vs. substance?” How will the economy perform? How Should investors position themselves?

  • Philip J. Orlando, CFA®, Senior Vice President and Chief Equity Strategist, Federated Investors

Sponsored by Federated Investors.

Strategic Investing in a Multi-Polar World

Beyond the news of trade wars, the U.S. presidential election and a final outcome for Brexit that will likely dominate the news cycle in 2020, a greater transformation is taking place that will impact the global investing landscape in the decade to come and beyond. A less U.S-centric world, changing demographics, reconfigured global supply chains as well as inexorable disruption will shape where investors can expect to find opportunities in the years to come. Join T. Rowe Price Investment Specialist Chris Dillon as he discusses key themes that will prospectively impact global markets as well share investing ideas to help prepare portfolios for the complex road ahead.

  • Chris Dillion, CFA®, Investment Specialist, Multi-Asset Division, T. Rowe Price

Sponsored by T. Rowe Price

8:00 am - 8:30 am

Coffee Service

8:30 am - 9:15 am


Global Economic Update

  • Dr. David Kelly, Chief Global Strategist and Head of the Global Market Insights Strategy Team, J.P. Morgan Asset Management

9:15 am - 9:25 am

Break in the Foyer

9:25 am - 10:15 am


Breaking the Money Silence ® Across Generations

  • Kathleen Burns Kingsbury, KBK Wealth Connection

10:15 am - 11:15 am

Break in the Marketplace

11:15 am - 12:00 pm


These roundtables are an opportunity for attendees to get together in an informal setting to discuss and examine issues most important to wealth and trust professionals.

Client Management Topics

  • Client Surveys
  • Integrating Digital Tools
  • How to Address the SECURE Act with your clients
  • Integrated Financial Planning

Investment Topics

  • Negative Interest Rates
  • ESG
  • How to generate income in a low yield environment

Practice Management Topics

  • Data Analytics / Data Aggregation
  • Onboarding Clients
  • Leadership roles and how to organize your teams
  • Regulation/Compliance
  • Cybersecurity

Fiduciary, Legal and Compliance Topics

  • Communicating standard of conduct and care with clients (e.g., best interest, fiduciary, agency, etc.)
  • Vendor management in the wealth and fiduciary business lines – regulator expectations
  • SECURE Act changes for IRAs
  • Marijuana businesses and fiduciary services

12:00 pm - 1:45 pm

Lunch & Learn

ABA President and CEO Welcome

  • Rob Nichols, President and CEO, American Bankers Association

Memorable Customer Service

To create customer loyalty, you must first elevate the customer experience. This journey focuses on the emotional and psychological aspects of creating a culture where personalized and impressive service is the norm. Learning will continue as you are taken through The Ritz-Carlton methods for fulfilling unexpressed wishes and needs, learning to stay-in-the-moment, and creating personalized experiences that surprise and delight. You will also discover and discuss the critical skills necessary for authentic customer engagement, and how to foster them in your employees.

  • John Cashion, Director, Culture Transformation, The Ritz Carlton Leadership Center

Sponsored by Fidelity

1:45 pm - 2:30 pm

Dessert in The Marketplace

2:30 pm - 3:15 pm


Key Drivers to Enhance the Client Experience
(Client Management)

How are the best advisors mobilizing teams, executing on the client’s wishes and doing so at the highest level? Using benching marking as a gauge, hear from industry leaders on how to create a consistent strategy, build the right team, use the right words and address client issues thoughtfully and quickly. Whether you are client facing or in the middle or back office, this panel will provide key takeaways to improve the experience for all of your clients.

  • Frank Bonsack, Wealth Management Advisor, Fifth Third Bank
  • Michael McElroy, Vice President, Practice Management & Consulting, Fidelity
  • Jacqueline M. Vose, Managing Director, Greenwich Associates

The Challenge and Opportunity of Secular Risk

Secular risk is the emergence of a new competitive force, technological advance, change in customer habit and/or regulatory change. It is structural and long-term and results in slower top-line growth, margin compression and/or multiple compression. With secular risk increasing, this session will discuss why traditional mean-recession investing will likely be less successful than in the past, how to identify secularly challenged stocks and why long-term investing is more important than ever.

  • Ira W. Carnahan, Vice President, T. Rowe Price

Changing Roles of the Advisory Team
(Practice Management)

  • Rob Blume, Managing Director and Senior Vice President, Washington Trust
  • Dan Bryan, SVP, Regions Private Wealth Management
  • John Zimmerman, President, Ascent Private Client Management

Non-Judicial Trust Modifications
(Fiduciary, Legal and Compliance)

The days when an irrevocable trust was truly irrevocable are gone. State fiduciary laws have provided new tools to allow the nonjudicial modification of trusts. This program will discuss those techniques such as decanting, nonjudicial settlement agreements, merger and modification by consent agreement.

  • David C. Blickenstaff, Partner, Schiff Hardin LLC
  • Susan D. Snyder, Trust Counsel and Deputy General Counsel, Northern Trust

3:25 pm - 4:10 pm


Two Years After Tax Reform – The Secure Act and More
(Client Management)

With a focus on the high net worth, individual taxpayer, this presentation will examine the tax planning zeitgeist two years into the burn since the TCJA. What does the tax planning landscape look like now? What strategies are developing in light of these changes? It will also take a close look at the recently passed Secure Act and its impact on retirement savings & estate planning; and conclude with a look ahead to possible tax law outcomes following the upcoming Presidential election.

  • Nicholas J. Bertha, Director of Wealth and Trust Planning, Fieldpoint Private

Asset Allocation in the Decumulation Phase

This session will focus on the probability-based school of thought on retirement income developed by financial planners since the 1990s. The concept of safe withdrawal rates and the 4% rule developed from William Bengen’s analysis of the U.S. historical data. After explaining the approach and further refinements to the core methodology, the session shifts to consider the impacts of a number of key issues and assumptions behind the 4% rule. The focus will be on asset allocation in the context of retirement distributions. Ultimately, more sophisticated methods are required and described. Finally, guidance will be provided on thinking more broadly about a retirement income strategy that moves beyond studying sustainable withdrawal rates from a financial portfolio.

  • Wade D. Pfau, Professor of Retirement Income, The American College

Premium Fees for Premium Service 2.0
(Practice Management)

  • Peter Eliopoulos, Vice President of Marketing, M&T Bank
  • Donald Gallagher, Managing Director, Trust Platform Executive, Bank of America
  • Sam Guerrieri, Executive Vice President, Wealth Brands
  • David Lincoln, Partner, WISE Gateway

The Latest in Fiduciary Law
(Fiduciary, Legal and Compliance)

This program will cover recent developments on the following: Spendthrift Trust Enforcement, Diversification Arbitration Clauses, Accounting for Businesses Held in Trust, Punitive Damages for Breach, Powers of Appointment, Trustee Removal, 529 Plans Treated Like Trusts, Situs and Governing Law Disputes and Trust Reformations.

  • David Baker, Partner, McDermott, Will & Emery LLP

4:15 pm - 5:00 pm

Washington Update

  • James Ballentine, Executive Vice President of Congressional Relations and Political Affairs, American Bankers Association

5:00 pm - 5:30 pm

Innovation Exchange

5:30 pm - 6:30 pm

Reception in The Marketplace

Tuesday, Feb 25

7:30 am - 11:30 am

Conference Registration Open

7:30 am - 8:30 am


Forty-Year Institutional Record of Equity-Like Returns, Bond-Like Risk and 5+% Yield. Now Available in a ’40 Act Fund.

Over decades, institutional investors have used high quality direct real estate investments as a diversifier with low volatility and the source of steady income and growth. A seven-year old, $2.2 billion ’40 Act mutual fund now provides access to these unique combination of investment returns to all investors. Hear our market outlook.

  • Paul E. Dunn, Executive Vice President, Blue Rock Capital Markets, LLC

Sponsored by Blue Rock Capital Markets, LLC.

Vanguard Active Fixed Income: Outperformance Happens by Design, Not by Chance

Join Vanguard’s Senior Investment Specialist Ed Saracino for a deep dive on Vanguard’s active taxable and tax-exempt fixed income capabilities, including a look at its rigorous and collaborative investment process and philosophy, and an assessment of why Vanguard believes this approach has translated into a record of consistent outperformance.

  • Edward J. Saracino, Senior Portfolio Specialist, Financial Advisor Services, Vanguard

Sponsored by Vanguard.

8:00 am - 8:30 am

Coffee Service

8:30 am - 9:15 am


Client Digital Experience: Delivering the Future Today

  • Velena Berny, SVP, Private Wealth Management, Truist
  • Jennifer Capouya, Head of Digital Investment Solutions, Truist
  • Kraleigh Woodford, Head of Digital Client Experience, UBS

9:15 am - 10:15 am

Break in The Marketplace

10:15 am -11:00 am


Keeping PACE with the Modern Consumer: Stop Talking Digital, Start Talking Experience
(Client Management)

Digital has long been the channel of choice for all generations, but future success depends on providing tailored experiences that meets each generation’s expectations. This session looks at the preferences, behaviors and habits of each generation based on FIS’ 2019 PACE report and provides insights from a panel of your peers on how you can deliver a differentiated experience across client touchpoints.

  • Melissa Cullen, Chief Administration Officer, Wealth and Retirement, FIS
  • Robert Jeffers, COO, Fiduciary Trust Company
  • Mindy Mahaney, Wealth Management COO, BOK Financial
  • Rocky Miskelly, President Wealth Management & Insurance Services, Renasant

Searching for Yield in a Low-Rate Environment

  • John Boyd, Vice President, Head of National Accounts – Advisory Services Group, Hartford Funds
  • Daniel Goldberg, Executive Director, JP Morgan Asset Management
  • Nick Holmes, Portfolio Manager, Tortoise Advisors
  • Tony Rodriguez, Head of Fixed Income Strategy, Nuveen

Integrated Trust and Brokerage Model
(Practice Management)

Banks are struggling to unify the wealth experience at the expense of their clients. Delivery of unified advice, regardless of what channel clients come through, requires the seamless integration of people, processes and platforms that promote a consistent process and improved end-client experience to manage holistic advice. This advice extends beyond traditional investments to incorporate key elements of comprehensive financial wellness approach including protection, credit, budgeting, personal financial management tied to a financial plan.

Join us to hear how two prominent bank wealth management leaders have successfully evolved their organizations to deliver unified advice through a commitment to a “One Wealth approach” across all channels. During the panel, these leaders will share best practices including how they motivated their teams to help transform their business around the client, eliminated redundancy and process overlap and integrated consistent advice delivery of across channels.

  • John C. Yackel, Executive Managing Director, Head of Strategic Initiatives, Envestnet, Inc.
  • Miles Milton, Executive Vice President, Chief Wealth Management Officer, Hancock Whitney Bank
  • Michael Wilson, Managing Director of Wealth Management, First Citizens Bank

Compliance and Trusts – Vendor Management
(Fiduciary, Legal and Compliance)

Vendor management continues to expand as a critical risk management requirement for all trust organizations. Simply adapting the bank’s existing vendor management policies and practices may not address the actual risks faced by a trust department. All trust organizations must approach vendor management with a focus on and understanding of the actual risks presented. Regulatory expectations and business constraints require that your approach to vendor management be well thought out, unique to the risks you encounter and consistently applied. A well-designed vendor management program supports rather than constrains your decision making. Join us this panel for input on how to adapt your vendor management practice to the trust industry and how to control the time and energy that you must spend on this required process.

  • Kevin Maas, President, Wealth Management Compliance Alliance™ , a division of Pohl Consulting and Training
  • Carl Petterson, Vice President, Trust & Compliance Officer, Sawmill Trust Company

11:10 am - 12:00 pm


Creating the Future of Wealth Management Today

  • Dave Coffaro, Moderator, Principal, Strategic Advisory Consulting Group
  • Laura Mandel, SVP and Chief Fiduciary Officer, Northern Trust
  • Bill Martin, CIO, INTRUST Bank
  • Doug Sherry, SVP, U.S. Bank
  • Scott Welch, CIO, WisdomTree Asset Management

This program is subject to change. Please bookmark this page to check for continuing updates. Read ABA Conference and School Policies to help answer additional questions.

Keep Me Informed

Get updates on the Wealth Management and Trust Conference as we develop this year's program. Contact Kim Chancy if you have any questions.