On December 14, 2009, Charles Bender spoke at a National Business Institute seminar in Allentown, PA, on the "Top Ten Estate Planning Techniques." Topics that Chuck spoke on included, grantor retained annuity trusts (GRATs), irrevocable life insurance trusts (ILITs), Supplemental Needs Trusts (Snits), Family Limited Partnerships (Flips) and gifting programs.