Discover QLAC's Secure retirement income, minimize risks and maximize benefits
Temecula Valley Chapter In-Person Meeting

Date and Time:

Wednesday, November 5, 2025
5:30 PM to 8:00 PM

Location:

Richie's Real American Diner
Conference Room
40651 Murrieta Hot Springs Road
Murrieta, CA 92562

Topic:

In this meeting you will learn about a tool that can be used for a qualifying individual to defer an allowable amount of their Required Minimum Distributions up to age 85 called a Qualified Longevity Annuity Contract or a QLAC. 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.

Presenter(s):

Joel 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-02225-25-I
CTEC: 1000-CE-05705

Knowledge Level: Intermediate (Basic knowledge helpful)

Registration:

Members: $38
Non-Members: $68

Order off menu and do not forget to tip your waitress! If you plan to attend this event, please contact Elyse Beltz: [email protected] or 951-223-7200.

Cancellation and Refund Policy for Meeting Purchase:
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.

This presentation has been designed to meet the requirements of the Return Preparer Office, the California State Board of Accountancy; and the California Tax Education Council including code 31 of Federal Regulations10.6 (g). This does not constitute an endorsement by these groups. A listing of additional requirements to renew tax preparer registration may be obtained by contacting CTEC at P.O. Box 2890, Sacramento, CA. 95812- 2890, or phone CTEC at (877) 850-2832, or on the Internet at www.ctec.org.