Discover QLACs: Help secure retirement income, help minimize risks, and help to maximize benefits!
North County San Diego Chapter In-Person Meeting

Date:

Thursday, November 13, 2025
4:00 PM to 7:00 PM

Location:

Cocina Del Charro
1020 W San Marcos Blvd
San Marcos, CA 92078

Description:

In this meeting you will learn about a tool, Qualifying Longevity Annuity Contract (QLAC) which provides an exception to the Required Minimum Distribution requirement by allowing payments to start as late as 85. You will learn what a QLAC is, how it works, when it is appropriate to be utilized, it's use as a retirement tool, what are it's advantages and disadvantages, and which individuals, especially those who are only taking their RMD's because they must, would benefit using a QLAC. Additionally, we will discuss other strategies to plan for and to help maximize retirement income and help minimize the financial risks faced in retirement.

Disclosure: QLACs are subject to important restrictions and limitations, which you should discuss with your tax advisor. Neither New York Life, nor its agents or employees, provide tax or legal advice.

Speaker:

Joel J Candib, CPA, CLU, ChFC
Joel Candib, CPA, CLU, ChFC, CA Insurance Lic #0B12870, graduated from San Diego State University with a B.S. Degree in Accounting in Dec. 1976. Joel earned his California CPA Certificate in January 1983 and practiced accounting as a Sole Practitioner in San Diego, CA until he sold his accounting practice in Nov 1991. Although no longer actively practicing accounting, Joel has maintained his fully active CPA License status to date. Joel joined New York Life Insurance Company in San Diego, CA as a Licensed Agent in May 1993. He has maintained his practice as a Financial Professional to date. Joel’s practice is Focused on Business and Personal Insurance Solutions, Strategies and Implementation, Insurance and Estate Strategies and Strategies to Maximize Retirement Income. Joel is able to create value for his clients by his ability to leverage the resources and strength provided by New York Life, his years of experience as a former practicing CPA and his extensive experience of over 32 years in the Insurance Industry to assist his clients formulate their needs and goals and to provide the best strategies to be able to achieve them.

CPE Information:

2 Federal Law hour(s) (Topics covering existing tax law)

IRS: 18QC1-T-02215-25-I
CTEC: 1000-CE-05696

Knowledge Level: Intermediate (Basic knowledge helpful)

Cost:

Cost if registered by November 11, 2025, at midnight
Registration Fee (Member): $40
Registration Fee (Non-Member): $70

Cost if registered after November 11, 2025, at midnight
Registration Fee (Member): $50
Registration Fee (Non-Member): $80

Cancellation and Refund Policy:
Written cancellations will be accepted up to three (3) business days before the course begins for a full refund. Please email your request to [email protected]. No refunds will be given if cancellation notice is received later than three (3) business days before the course begins, or for no-show registrants.