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The Life Insurance Roadmap: A Simple yet Powerful Tool for You and Your Clients


Cost Free
CPE Credits 1.0 hour
CE Credits 0.0 hours
Subject Area Specialized Knowledge
Course Level Basic
Instructional Method Group Internet Based
Prerequisites None
Advanced Preparation None
Course Description

Comprehensive financial planning should always include a review of a client’s life insurance policies. Often, however, CPAs avoid this important element of a client’s plan.

Why? There are many reasons, but one reason is simple: Limited knowledge.

Many CPA financial planners have adopted asset management as their primary business focus and this is their specialized area of expertise. However, like it or not, clients may have (or need) life insurance and expect advice on how to manage it or expect the CPA financial planner to identify the need and help during the purchase process. They also expect their planner to provide guidance when they no longer need the coverage or simply can’t afford it. Term insurance is generally simple but permanent insurance is anything but simple.

Help has arrived!

This course will provide you with a very powerful tool to breakdown the critical components of any life insurance policy and allow you, regardless of your level of expertise, to understand the policy so you can better serve and bring value to your client. Imagine discovering the youngest child omitted or an ex-spouse erroneously listed as the beneficiary? You can be the hero to suggest that change! Or imagine turning an unneeded or unaffordable term policy into cash for the client! Even with limited insurance knowledge, you can use this tool to prepare the facts to work with the insurance broker and not be confused by complicated illustrations or in-force ledgers.

It’s time to help your client treat their life insurance like any other asset in their portfolio.

Course Objectives:

  • Immediately apply your 1-hour course knowledge to dazzle your clients with one of the most important reports in their plan: creating their own life insurance roadmap for them!

  • Identify the critical elements of an existing life insurance policy and what, as the advisor, to do next.

  • Gain confidence and the ability to speak with your client - or their broker - about existing or proposed policies (without holding yourself out as the expert.)

  • Begin to better understand the different types of life insurance and how it can be used in a comprehensive financial plan.

  • Leverage junior staff to prepare reports.


Susan is a private wealth specialist creating customized solutions for high-net-worth individuals and families. Susan's extensive expertise in estate, insurance and tax planning is the basis for the comprehensive, multi-generational plans that she develops for her individual clientele and family offices.

Susan’s expertise in the life and long-term care insurance area comes from her work as a Senior Manager at Price Waterhouse, along with the many years that followed working with the brightest minds in the industry as an independent broker and consultant. Susan is the driving force behind the AICPA’s risk management track at Engage, the annual Advanced Personal Financial Planning conference and currently chairs the subcommittee for the conference.

Susan is also actively involved in women's empowerment to help women take charge of their personal finances, especially before any of the 6Ds occur: Death, Divorce, Disability, Disaster, Dementia and Debt. Be Prepared Not Scared® is her motto. She runs an annual women’s panel at Engage to help women share experiences, fears and best practices to increase gender equality in the industry.

Susan carries numerous professional certifications and designations, is recognized among her peers for her leadership, advocacy and philanthropy, and is a frequent speaker at industry events. Much of Susan's expertise was acquired while she was a senior tax manager at PriceWaterhouse, LLC (1987- 1992), and as a senior tax consultant with Deloitte, Haskins & Sells (1984-1987). She founded her own firm in 1992.

Susan graduated magna cum laude from Fairfield University in 1984 with a BS in Accounting, and lives with her husband in Naples, Florida. She enjoys photography, painting and traveling. She is a proud member of the Daughters of the American Revolution. She is most proud of launching her two adult children!

Susan has earned the right to use the Certified Public Accountant (CPA), Personal Financial Specialist (CFS), and Certified Financial Planner (CFP) designation.

Additional Materials
Roadmap and tips
Frequently Asked Questions
  • To receive CPE credit for the event, you must register for the webcast prior to the start of each program.
  • CPE is available to all eligible participants within 24 hours of each webinar.
  • Multiple attendees: In order to receive CPE for multiple attendees, ensure that at least one person signs up for the webinar. At the completion of the webinar a proctor form is provided. Alternatively, you may also login to your account following the webinar and click on the MY ACCOUNT button where you will find a link to the proctor letter.
Handout Materials
Presentation Slides

NASBA Approved (Sponsor Id#: 111889) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: 1685 S. Colorado Blvd, Suite #205, Denver, CO 80222

About Our Presenter


Beacon Wealth Consulting South (BWC) is a boutique firm located in Naples, Florida which specializes in creating tailored financial plans for high net worth families. Susan's expertise in estate, insurance, and tax planning is the basis for the comprehensive, multigenerational plans that she develops for her clients.

BWC is also an independent insurance brokerage firm that often partners with other planners who do not have insurance expertise. BWC customizes life insurance plans for the high net worth clients in the context of the family’s overall financial plan, often integrated with sophisticated estate and retirement planning strategies.

BWC prides itself on successful collaboration with the clients’ team of advisors and/or family office. Susan Joy Bruno, the firm’s founder, and is a nationally recognized CPA/PFS for her work in life insurance planning.

Susan recently launched “The Beacon Method” which is a consulting service to help CPAs launch a financial planning practice or simply help financial planners take their practices from good to great. Some of the topics she will cover include:

  • How to leverage junior staff members to help them grow while also making your clients happier
  • How and why to add women to your practice
  • How to use the 6Ds fire drill to motivate your clients
  • How to add more graphics for your visual learners
  • How to add life insurance consulting or brokerage to your practice without compromising your objectivity or integrity