Good financial planning can be summed up in one simple sentence, “Save more, spend less, and don’t do anything stupid.” For most Americans, putting that simple sentence into action is incredibly difficult. In this enlightening presentation, Rick provides a time tested process to turn this simple sentence into a powerful reality. If you are one of the 97 percent of Americans that have a net worth of under $500,000, this presentation will give you the tools that could change your life.

1. You will learn a time-tested method of cash flow management that allows you to spend every dime in your checkbook, yet insures all your bills will be paid.
2. Discover how to eliminate the endless stream of ‘surprise’ expenses that kill so many well intentioned spending plans.
3. Find out what lifestyle you can really afford. It may be better than you think!

Money skills are the 21^st century’s survival skills. You may have a great education, a successful career, or be the best in your field, yet if you don’t understand how to make sound money decisions you won’t be going far. You don’t have to be a genius to make sound money decisions. In this informative presentation, Rick provides straight talk on financial planning, including what insurance you don’t need, when having a will can actually be worse than not having one, and a method of spending yourself to prosperity.

1. You will learn the basics of creating a spending plan that really works
2. What insurance you need or need to stay away from
3. How to determine how much you need to save for retirement
4. How to find and hire trustworthy advisers
5. Why smart people make dumb money mistakes

Where do you invest in a world of increasing government spending, high unemployment, struggling economies, high taxes, and an equal chance of inflation or deflation?  Most investors, and some of their advisers, could learn a thing or two from the ’63 Chevy Wagon with a 283 hp engine.  In this unique presentation Rick provides you the investment strategies of the nation’s best money managers in a simple and easy to understand formula.

1. You will learn why most forms of diversification don’t work
2. A proven strategy for keeping your emotions from ruining your investments
3. A worry-free method of consistently selling high and buying low
4. How to consistently earn returns two to three times higher than the ‘average’ investor

We need to only look to the lessons of the Great Recession of 2008/09 to understand something is not working with the way most Americans relate to their money. Just like an alcoholic, we became intoxicated on easy credit, financial entitlements, and living a lifestyle that was a lie. But how do we wean ourselves from financial dependency and take control of our lives? In this unusual presentation, learn the symptoms that keep people trapped in financial lethargy and how you can gain control of your life and get your financial house in order. Rick provides specific time-tested principles to set you on the path to financial sobriety and recovery.

1. You will learn how to recognize the signs of financial dependency
2. How to take responsibility for yourself and propel yourself to action
3. How to identify financial enabling and save your loved ones from the shame
4. Find out where your values are out of integrity with your financial behaviors

It’s been said that those that don’t understand the past are guaranteed to repeat it. In this informative presentation Rick explores the causes of the Great Recession, compares it to other recessions of the 20^th century, and summarizes the lessons we can learn.

1. You will learn who Rick’s readers blame for the Great Recession
2. The number one cure readers say will prevent it from happening again
3. Why this recession is different from most
4. How not to repeat the mistake that caused so many people to loose so much
5. Why the recession was a ‘non-event’ to wise long-term investors

In the timeless traditions of The Tao of Pooh and Who Moved My Cheese, Rick reveals how the wisdom in Dickens classic A Christmas Carol can help financial professionals facilitate financial health. The premise is simple: Money isn’t the problem; it is an unhealthy belief system and the relationship we and our clients have with money that matters. The Character of Ebenezer Scrooge is the perfect model for exploring the elements of interior finance and how it applies to your financial planning. In the context of the story, we explore the stages of financial integration as they relate to Scrooge’s journey into his past, present and future. Attendees will learn how the three elements of financial integration are used to help you achieve a more clear understanding of money and how it can be used to help them achieve financial peace.

1. Use the metaphor of “A Christmas Carol” to understand your financial behaviors
2. Discover why every financial behavior makes perfect sense
3. Learn the five-steps to financial transformation

Many people think their assets are protected because they have liability insurance, only to find out that insurance is not always enough. That’s what Rick discovered when he was faced with a frivolous lawsuit that lasted nine years. Find out what you can do to protect your business, real estate, and liquid assets when your insurance company either won’t pay your claim, goes bankrupt, or your coverage just isn’t enough. This is mandatory information if you are in a high profile profession, own a business or real estate, or have a net worth over $1 million.

1. You will learn why you should never own anything in your own name
2. Why you need to get out of most partnerships
3. How a South Dakota asset protection trust can protect your assets
4. How to put most of your assets beyond the reach of a frivolous lawsuit

Ben Franklin’s one said “but in the world nothing can be said to be certain except death and taxes.” We know both will happen, and yet we only talk about taxes. Planning for what will happen after your die can be very difficult, but it is necessary if you want to protect your interests and your loved ones. Great intentions can go awry too quickly without proper planning. This presentation will walk through the necessary steps to plan for your estate..

In this informative workshop, we will give you information on what you can do today to be fully prepared for when (not “if”) you pass into death. You’ll learn about:

1. Money scripts around estate planning that cause more harm than good?
2. Questions you need to ask before drafting your will?
3. Why your will may not be the actual way your estate is distributed
4.  The six items you must have in your Master File

Millions of “financial advisors” claim to do financial planning, but what does that really mean? Since financial planning isn’t a legally protected term, anyone can call themselves a financial planner. We will give you the knowledge you need to know the difference between financial advisors that claim to be doing financial planning and those that are actually doing it.

1. Learn what all is involved in comprehensive financial planning
2. Three reasons why your “financial planner” may not really be doing financial planning
3. Ten things to look for, and look out for, when shopping for a financial planner

According to a recent study, 70% of Americans live month-to-month and only 5% are financially independent by the time they retire. Sadly, most Americans simply over spend, over borrow, and under save. One reason is Americans don’t know how to track or forecast their annual income and expenses. In this presentation you will:

1. Explore the different systems of cash flow management
2. Learn to budget where you can still spend every last dime in your checking account
3. Learn how to effortlessly track your income and expenses
4. Discover ways to take control of your finances

If you were looking for financial advice, where would you go? Who would you trust? Many turn to family and friends, while others turn to their trusted financial advisor. How do you know if the advice you are getting from your trusted advisor is really the best for you? Will we seek to explore the differences between financial advisors that are your advocate, and those that might be looking out primarily for themselves? In this presentation you will discover:

1. Why you might want to be a client instead of a customer
2. Why selling financial products is more profitable than giving advice
3. How to tell the difference between a financial advisor and a financial salesperson
4. Why you don’t want financial advice from a salesperson
5. Knowing when you need advice and when you need a salesperson
6. Learn why it’s important you know if your advisor is, or isn’t, a fiduciary
7. Determine what to look for in a financial advisor

In the Great Recession, the Dow Jones Average dropped 54% in just 17 months and then recovered to 85% of its 2007 high. Where and how should you invest now? In this presentation, you will learn several simple ways you can protect yourself from a volatile stock market. You will learn:

1. About the changes in the world economy that are taking place
2. Consider if we are in a different world calling for different investment strategies
3. New strategies to diversify your investment portfolio
4. Why your portfolio probably isn’t diversified, even though you think it is
5. Diversification isn’t having money with different advisors, mutual funds, or fund groups
6. Why you need some losers in your portfolio
7. How successful investing is like a V-8 engine

Imagine saving money your entire life, only to have someone take every dollar you have because of a lawsuit. How awful would that be? There are many great ways to protect yourself from a situation like this. Learn how to protect yourself and your family in the face of an unforeseen event.

1. Learn about your line of first defense: various types of insurance
2. Learn the things that can go terribly wrong with liability insurance
3. Find out how you can sleep well at night even if your liability insurer denies your claim
4. Learn how to determine which insurance is best for you and your family
5. Find out the things most insurance sales companies wouldn’t want you to know
6. Are there things you can do other than purchase insurance?

How many times have you thought, “I will start saving when I’m older and have more money,” or “I don’t need to focus on my finances, there’s time for that later?” The best time to begin your financial planning is today. Learn why those who started financial planning in their youth become financially independent sooner, are healthier, and are happier in retirement than those who wait.

1. Do you really need a financial plan if you are young?
2. What can you do to protect yourself and the ones you love?
3. Learn why saving money isn’t just something you do when you are rich.

Bob Veres describes Rick Kahler as a “serial innovator in the planning world.” In this session, Kahler will unveil what he calls the single most effective practice management strategy he’s seen for transforming your practice and your life.  Bob Veres called this presentation “one of the best pure practice management sessions I’ve ever attended in the profession, even though it contained barely a word of traditional practice management advice.”   

In this ground breaking session Rick explores the reasons financial planners give for not having a financial planner based on his award-winning research and why engaging a financial planner pays double dividends.  

1. Gain new insight to the personal benefits of a financial planner having a planner
2. Gain even greater insight into the practice management benefits of a financial planner employing a planner
3. Raise new questions on what constitutes a profession and is financial planning indeed an industry or a profession

Even though many of the provisions of the new health care bill don’t take effect until 2013 it is not too early to begin considering your best options to minimize your costs and maximize your coverage.  Rick Kahler will tell you specific steps you could be doing today to get ready for the big changes coming tomorrow.  The new health care bill will affect the daily lives and wallets of millions of Americans. While we don’t exactly know what that impact will be, it isn’t too early to consider some of the possibilities and start planning personal strategies to deal with them.  This workshop will help you:

1. Identify if you or your company should obtain health insurance or pay the penalty 
2. Reposition your investments and balance sheet to survive the coming cost increases.
3. Help you prepare and prosper under the new bill.

In the timeless traditions of The Tao of Pooh and Who Moved My Cheese, Rick Kahler reveals how the wisdom in Dickens classic A Christmas Carol, can help financial professionals facilitate financial health. The premise is simple: Money isn’t the problem; it is an unhealthy belief system and the relationship we and our clients have with money that matters.

The Character of Ebenezer Scrooge is the perfect model for exploring the elements of interior finance and its application in the financial planning profession. In the context of the story, we explore the stages of financial integration as they relate to Scrooge’s journey into his past, present and future. Attendees will learn how the three elements of financial integration: Traditional Financial Planning, Financial Coaching, and Financial Therapy, are used to help our clients achieve a more clear understanding of money and how it can be used to help them achieve financial peace.  This workshop will help you:

1. Use the metaphor of “A Christmas Carol” to understand the financial planning process of the future.
2. Understand the three professional disciplines of facilitating financial health
3. Raise new questions on what constitutes the exquisite financial planning process

Very few of a financial adviser’s clients have problems with money.  It is the relationship that both we and our clients have with money is an unhealthy belief system about money. Further, few financial advisers really have the ‘solution’ to our client’s needs.  We can, however, become expert facilitators at helping client’s achieve the life of their dreams.

Facilitating financial health requires more than presenting spreadsheets, cash flow statements and asset allocation models.  It requires an understanding of the kind of life the client envisions and how the client’s emotional and psychological predispositions facilitate or obstruct (or both) the development of successful financial plans. This presentation will give you a glimpse into the best practices of financial advisers who are integrating the fields of psychotherapy, coaching, and traditional financial planning. This workshop will help you:

1. Learn how to build a trusting relationship with clients.
2. Identify your clients’ money scripts and the financial disorders they cause.
3. We will explore the latest research used in facilitating change in individuals.  .
4. Understand the integrated financial planning process.

How often do you pick up a great new tool at a conference, come home and implement it for one round of client meetings, scan the results, and it never again sees the light of day?  Have you ever wondered what handouts and process are real life planners using?  What really works?  In this workshop, Rick Kahler, CFP, will discuss the dozens of exercises, forms, and techniques being touted today by the best vendors of Life Planning.  Learn those he uses in his practice and he finds most effective.    

The workshop will cover: 

1. What life planning handouts/exercises offer the  most value in working with clients?
2. When and how do you best present them to the client?
3. Which are best done as homework and which are best in a face-to-face meeting.?
4. How to use video exercises to save client meeting time.
5. Which are most effective in terms of getting value/insight from the results?
6. Is the processing of exercises off-the-cuff or does a script work best?

Live the life of your dreams. Go where you want, with who you want, and work when you want. Rick travels one week out of every month, yet maintains a vibrant ‘mature solo’ financial planning practice serving nearly 75 clients. “Rick shows you how to use technology to live a more fulfilling, richer and vibrant life, while also serving your clients.

 You will learn about the technology and tools Rick uses

1. Why his smart phone is an indispensable tool in his practice
2. How he uses VoIP to wonder the world and be accessible anywhere
3. How to use technology to work as a FTE 

We can now see where the evolution of life planning services is taking us, and how it may benefit you and your clients more than you realize. The planner-therapist alliance may be the endgame for where the life planning service is going, Financial planners are regularly bringing psychologists into their tool kit. Rick Kahler, a pioneer of the planner-therapist alliance concept and an instructor of Golden Gate University’s ‘The Psychology of Money’ course, will give you new insight and practical information on how involving a psychologist in your planning process can add value to your clients. Kahler will give you step-by-step advice on how to decide when to bring in a therapist or coach and how to select and integrate a therapist/coach profitably into your practice.

1. The difference between financial coaching and therapy
2. Tips on interviewing and selecting a financial therapist
3. How to profitably integrate a therapist into your practice
4. How to demystify and understand the therapeutic process
5. How to use ‘The Decision Tree’ for when to bring in a coach or therapist

Two years ago Rick Kahler, Kahler Financial Group, lost 5 of 6 staff members. He quickly learned his infrastructure, technology, and processes were inefficient, under maximized, unstructured, and bloated with excess. For the next year, Rick and his associate worked weekends and evenings to service clients, cut inefficiency, and embrace new technology to rebuild his practice. Today profits are up 300%, he only replaced one employee, he is paperless, outsources some tasks, communicates with clients only by email and his website, receives 50% of his new business from his blog, YouTube videos, and website. He works out 2 hours a day, travels a week a month, and can operate his firm from anywhere in the world. Find out how you can supercharge your practice, increase your profitability and get your life back, by embracing technology.

1. How to create a non-virtual, virtual office that works for you
2. What works and doesn’t work when outsourcing
3. How to create a blog and website that supports clients, cuts expenses, and attracts prospects

It’s possible for you to help rewire your client’s money mindset to one that is associated with wealth. Changing a clients money mindset is not a gimmick or a “wealth secret.” It is a process, based on well-established research, that employs techniques therapists have used successfully for many years. In this session you will discover the latest tools and research to help you and your clients understand the roots of their financial beliefs and behaviors. Participants will leave this session with practical tools they can put to use immediately on Monday morning. This will be an interactive and experiential session, where participants will gain experience administering and using the tools.

1. Tools for helping clients identify their money scripts
2. The ten top money scripts and tools to use to help clients change them
3. The top money scripts common to clients with or without money
4. How to use the Money Script Log, the Stock Market Money Timeline and the Money Dialog with clients.

Celebrity chef Gordon Ramsey says a chef who doesn’t sample every dish is no chef at all. Are you a consumer of the advice you give your clients. Can you look you client in the eye and assure them you embrace the same investment philosophy and invest in the same investment vehicles as your recommend to them. That you have a budget, track your expenses, and don’t use revolving credit, just as you advise them to do? That you have adequate disability, health, liability, life, property casualty, and LTC insurance? In this session Kahler will build upon his 2008 winning Frontiers Award paper and research to further explore the power and practicality of ‘walking the walk’.

1. An action plan ready to implement on Monday morning
2. An inventory of personal and professional incompletions
3. Increased integrity and stronger client connections.