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FPA Orange County



February 2014


2014 – A Year of Promise and Responsibility

2014 is upon us with all of its promise. We are at five years and counting in this bullish equity market and with that success, it reminds us of the necessity to reach out to the investing public about the value of financial planning as a profession and the difference that we can make in their lives and in the lives of their families. That’s because not everyone who can, has taken advantage of the investment market’s success. Many investors remain fearful of the risk and volatility in stocks. Many investors do not understand how important the role of investment planning is for their future. It is our mission to explain this to them and allow them to share more completely in the growth of the American economy.

The Financial Planning Association (FPA) has a noble goal, to advance the profession of financial planning. This goal is not for our benefit as providers, but for the benefit of the financial consumer. Everything we do has to be directed toward this goal. Our society has made financial success available to all those who seek it, but truly made it convoluted with all of the legal complications related to money. The legal regime governing taxes, regulatory concerns for our clients’ businesses, estate transfers (far more than merely estate taxation), investments, and insurance (both as investment and as protection) cries out for guidance. Financial planning as a profession provides that guidance for the public. Those of us who work in the profession, CFP®s primarily, are the ones uniquely qualified to guide our clients through all of the decision points in their financial lives that can maximize their opportunities. Not just for our clients directly, but for their children, grandchildren, and even great- grandchildren who may never know how our guidance has changed their lives.

FPA is here to allow you to achieve these goals for your clients. Our Quarterly Education Meetings (QEM) will each have six hours of presentations with our goal of five hours of Continuing Education Units each time. The QEMs are well known for their high quality education and networking opportunities. In fact, we’re nationally known for the excellence of these meetings. Additionally, we’re stepping up our Public Relations outreach efforts to increase our exposure to the public and to other financial professionals. By popular demand, we will be reinstituting Financial Planning Day in October concurrently with the national Financial Planning Week. Of course, our increasingly popular Allied Professionals Summit, also in October, is designed to bringing the financial community closer together with the goal of collaboration in serving our joint clients. Finally, our Allied Professional mixers, Advisors in Transition and NexGen communities, and Discussion Groups (Fullerton, Irvine, South County), all serve their specific purpose with a common networking component.

The thing for you to do is to make a difference. In fact, it’s really your responsibility. Make this happen for you in your practice with your clients and even better, make this happen for all of us by participating in the work of the chapter. Believe me, if you can spare as little as an hour per month, we will find fulfilling work that furthers our chapter. Aileen Danley, CFP® of our Volunteer Development committee, will be happy to share with you ways that YOU could be a difference maker. You will make loads of new friends who are as passionate as you are about financial planning as a profession.

Best regards,

Howard Erman



Quarterly Education Meeting

Date: Wednesday, February 19th, 2014

Our next meeting will be on Wednesday, February 19, from 8:30 am to 4:30 pm, at the UCI Student Center. This meeting will include CE for CFP, CPE, insurance and MCLE.

Scheduled Speakers:

  • Dr. Esmael Adibi, Director of the A. Gary Anderson Center for Economic Research and Anderson Chair of Economic Analysis at Chapman University
    The U.S., California and Orange County Economic Outlook
  • Matt Brown, J.D., Partner with the law firm of Brown & Streza LLP
    Team Approach Barometer: Are You Really a Team Player?
  • Mark Prendergast, CPA, CFP®, Director of Tax Strategies, Inspired Financial
    Portability and the Estate under $5 Million: No Brainer or Brain Surgery
  • Dr. Moira Somers, Assistant Professor in the Department of Clinical Health Psychology at the University of Manitoba and a faculty member at the Sudden Money Institute in Florida
    Overcoming the Implementation Impasse: How to Work with Clients who are Worn-Out, Erratic, or Just Plain Stuck
  • Rod Zeeb, J.D., CWC, CEO/Co-Founder of the Heritage Institute, LLC
    Legacy Planning

FPA Members, register for the Quarterly Education Meeting with a 2014 Annual Pass! Save 15% on your four Quarterly Meetings and a mixer of your choice. Click here to get yours now!

To register for the Februray Quarterly Education Meeting, click the button below:

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Mark your calendars for all our upcoming Educational Meetings
  • February 19, 2014
  • May 21, 2014
  • August 20, 2014
  • November 19, 2014

New for 2014! Chapter Discussion Groups

You asked for more opportunities to talk to and learn from one another, and we have answered your request! Our Study Groups are now renamed Discussion Groups, and they are being designed to promote collaboration on topics that matter to you: practice management, case studies, client issues, technology, matters in the news, and much more.

Join planners and allied professionals in your area – groups will be meeting in Fullerton, Irvine, and South County in March, April, June, July, September and October. Invite your colleagues and bring your lunch!

For more details and to register, click the button below:

Allied Professionals Mixers

Wednesday, March 12, and Wednesday, May 14
5:30 - 7:30 PM
JT Schmid's
2415 Park Avenue, Tustin, CA 92782

Join us on the patio of JT Schmid's for this spring’s Allied Professionals Mixers! Network with other professionals who can help you bring your practice to a whole new level. Our Allied Professionals community includes CFP® professionals, Enrolled Agents, CPAs, Chartered Financial Analysts, attorneys, investment professionals, bank executives, trust professionals, and other business leaders.

The cost for this event is $15.00. Registration includes appetizers and a beverage. Register here.

Advisors in Transition

Wednesday, March 19th
5:30 - 7:30 PM
Brown & Streza Training Room
40 Pacifica, Suite 1500, Irvine, CA  92618

The Advisors in Transition community addresses the needs and interests of FPAOC members contemplating changes in the ownership, structure and oversight of their practices. More specifically, this community includes advisors in the process of establishing independent practices, considering retirement or ownership transfers, addressing internal and external successions or looking to grow their businesses for future transitioning to the next generation. We invite you to come join us.

The cost for this event is $10.00 which includes parking and refreshments.

T3 Conference - Advisor’s Edition

February 10-12, 2014
Location: Hilton Anaheim

Special Discount for FPAOC Members!

Are you planning on attending the 2014 T3 Conference? Click the button below:

Use promo code: 2014T3OC. Not only will you receive a $25 discount, but our chapter will receive $25 as well!

Website: www.technologytoolsfortoday.com



2/10-12/2014 See Agenda T3 - Technology Tools for Today – Advisor’s Edition
2/19/2014 8:30 AM-4:30 PM Quarterly Education Meeting at UCI Student Center
3/4/2014 5:30 PM - 7:30 PM NexGen Panel Discussion: Career Devlopment (more info soon!)
12:00 PM - 1:30 PM Discussion Group - Fullerton
3/12/2014 5:30 PM-7:30 PM Allied Professionals Mixer @ JT Schmid’s (Tustin)
3/12/2014 12:00 PM - 1:30 PM Discussion Group – Irvine
3/13/2014 12:00 PM - 1:30 PM Discussion Group – South County
3/19/2014 5:30 PM-7:30 PM Advisors in Transition Meeting @ Brown & Streza (Irvine)
4/8/2014 12:00 PM - 1:30 PM Discussion Group - Fullerton
4/9/2014 12:00 PM - 1:30 PM Discussion Group – Irvine
4/10/2014 12:00 PM - 1:30 PM Discussion Group – South County
4/2014 TBD New Member Breakfast
5/14/2014 5:30 PM-7:30 PM Allied Professionals Mixer @ JT Schmid’s (Tustin)
5/21/2014 8:30 AM-4:30 PM Quarterly Education Meeting at UCI Student Center
8/20/2014 8:30 AM-4:30 PM Quarterly Education Meeting at UCI Student Center
11/19/2014 8:30 AM-4:30 PM Quarterly Education Meeting at UCI Student Center



Chapter Leaders Conference

FPA of Orange County was well-represented and well-recognized at the annual Chapter Leaders Conference (CLC) held in Denver, CO, this past November. Our chapter took home three awards! We received Gold Level Achievement, the highest rating for an FPA Chapter, for our Roadmap to Success submission, a Blue Ribbon Best Practice Award, and an Outstanding Achievement Award for our FPAOC Event Bulletin.

The conference brought together leaders from the 93 FPA chapters in 43 states around the country. Our chapter representatives included: Howard Erman, President; Andi Kang, President-Elect; Wil Smith, Pro Bono and Community Relations Chair; Fred Giron, Communications Chair; and Carol Bobke, Chapter Administrator. They were also joined by our own Mark Prendergast, our current Government Relations Chair, who was at his final CLC as a national FPA Board Member, and Evelyn Zohlen, who was finishing out her term as President of FPA of California and starting her term as a national FPA Board Member. Thank you and congratulations, Mike Weber, Bill Cuthbertson, and all of the FPAOC Board of Directors for your hard work!

2013 Volunteer of the Year

Congratulations to Aileen Danley, FPA of Orange County’s 2013 Volunteer of the Year! Aileen has given her time to support Financial Planning Day, Allied Professionals Summit, and the Volunteer Development Committee. This year, Aileen joins the Board of Directors as the chair of the Volunteer Development Committee. Aileen knows the personal and professional value of getting more involved in the FPA – stop by and meet Aileen at the “Do 1 Thing” board at the February Quarterly Meeting. She can help you get involved as well!

Aileen Danley, FPA

Volunteer of the Quarter

Our Volunteer of the Quarter is Bob Welge. Bob is an integral part of our Program Committee. He works tirelessly with the CFP® Board to get CE approved for our members. At Quarterly Education Meetings, Bob keeps the day’s program on schedule, which often includes helping the speakers keep track of time or even rounding up the rest of us attendees so we don’t run late. Bob is greatly deserving of this award!

Bob Welge and 2013 Chapter President, Bill Cuthbertson

Committee Spotlight: Volunteer Development Committee

The Volunteer Development Committee was established to implement the chapter’s initiative to grow the volunteer base and to provide strong prospects for leadership transitions. One of our goals is to help members get to know one another in the organization and to match interested members to volunteer needs in the chapter. We help our volunteers bond, distinguish outstanding volunteers to identify future leaders and provide recognition to our volunteer base.

We put into action a friendly competition among the committees to best implement our chapter’s WHY to build team spirit and connect all the volunteers. Winners earn a prized reward event. We also arrange a summer volunteer social and a winter holiday party to show our appreciation for our dedicated teammates.

Our committee is much involved with all the other committees to meet our objectives. We participate in chapter committee events like Membership’s NexGen or Advisors in Transition group meetings, Allied Professional’s mixers, Pro Bono’s community events to name a few.

We highlight committee participation at New Members Breakfast and encourage chapter members to Do 1 Thing. Please come visit our table at the Quarterly Education meetings and discover how you can become involved in our chapter and grow personally and professionally. If you are interested in joining us, you are welcome to contact Aileen Danley, the Volunteer Development Committee Chair.




Personal Financial Planning Accelerated Program – Starts March 7, 2014

This six-month CFP Board Registered Program fulfills the education requirements to sit for the CFP® Certification Examination. Designed for financial professionals with a minimum of 3 years’ experience, this program has a concentrated focus on the study of all 78 CFP Board topics tested on the exam.

Registration deadline: February 19, 2014

Free Webinar: Running a Healthy and Profitable Financial Planning Business

Wednesday, Feb 19, 2014

(note: Webinar will be recorded for those who cannot listen live.)

Using your strong principals of financial planning does not always produce extraordinary results. You may be focusing on the core values of providing the highest level of financial advice and service, but are you maintaining an optimum benchmark of efficiency in your business? There are eleven critical areas that a high level financial planning business needs to be successful. Join Marc Spiegel, MS(Tax), CFP®, to discuss time management, client interview systems, and how to transfer 90 day goals to action items. As an entrepreneur you are dependent upon getting new clients from your existing clients. Development of a marketing matrix is a painless method to consistently obtain referrals. Information about the Personal Financial Planning Program, courses being offered in upcoming quarters, and career planning resources available through UC Irvine Extension will also be shared at the end of the session.



Thank you to all our 2014 FPA of Orange County Partners! We appreciate your dedicated involvement – not only in our chapter, but also in advancing the profession of financial planning. Partners benefit from the work of the FPA and our reach to thousands of financial planners and allied professionals in Orange County. We only have a couple of spots left for additional partners at this time. If you have a company you would like to refer, please contact Scot Shier at (949)770-7555 or [email protected].





Name Joined City Company
Beverly Ropek October Mission Viejo
Larry Qvistgaard November Laguna Niguel  
Daria Serrano November Newport Beach Pacific Advisors
Patricia Heaton November Rancho Palos Verdes Linda Barlow, CFP®
Mickey Payne November Laguna Hills William Jordan Associates
Jennifer Zaat-Hetelle November Costa Mesa Capital Planning Group, LLC
David J. Askew, CFP® ChFC CLU November Anaheim John Hancock Financial Network
Bea Kimble November Irvine Banc of California – Advisor Lending
Jason Hamilton December Huntington Beach
Adam Koyanagi, CFP® December Anaheim
Dawn Rybak December Huntington Beach The Annuity Store
Zhaoxia Tan December Huntington Beach Transamerica Financial Advisors, Inc.
Lisa A. Williams December San Clemente Law Office of Lisa A. Williams


Name Years Company  
Glenn Woody 35 Glenn Woody Financial Consultants, Inc.  
Teri Harmon 30 UBS Financial Services, Inc.
Harry Barth 30 H.M. Barth & Company, LLC  
Larry Beltramo 25 Beltramo Financial Services  
Jeffery Zone 25 Z & P Investment Services, LLC  
Joe Moore 20 Strategic Alliance  
Junette McCarthy 15 Ferree & McCarthy  
J. Michael Myers 15 Morgan Stanley Wealth Management  
Ben Thornhill 10 First Foundation Advisors  
Georgette Hurley 10  
Richard Cordell 10 HSBC Securities (USA) Inc.  
Dan Wallentine 5 Cetera Advisor Networks, LLC  
Bonnie Stramer 5 HB Taxlady  
Clayton Behm 5 Liberty Home Equity Solutions  
Lance Blount 5 Lance Blount Financial Planning Services  
George Petracek 5    
Christopher Woo 5 LPL Financial  
Neddie Bokosky 5 Tax and Financial Group  
James Guilfoil 5 Russell Investment Group  

Current Membership

We have 481 current members, and we are on our way to our goal of over 500! Help us reach our goal by inviting your colleagues to join too! Refer them to http://www.onefpa.org/business-success/membership/Pages/Member-Get-A-Member-Program.aspx. Each colleague will receive $25 off his/her membership, and you will receive an additional $25 off of your renewal for each referral


FPA Orange County

One Thing Leads to Another... Get involved and make a difference! If we all just did ONE THING, imagine the impact we can have on our Chapter and on shaping our profession!


Here are some things you can do to help:

  • Welcome and check in attendees at Allied Professionals Mixers.
  • Tweet for FPA of Orange County.
  • Revamp and reenergize our LinkedIn presence.
  • Be a communications/public relations liaison between committees.
  • Assist our partners during Quarterly Meetings and work with them on the Partners Committee.
  • Help plan the summer volunteer appreciation event.
  • Work with the committee each quarter who wins the “Why” competition to plan their prize.
  • With the committee chairs, identify volunteer needs within the chapter.

If you are interested in getting involved with the FPAOC, please contact Aileen Lau Danley, Volunteer Development Chair.



Financial Planning Day Returning in October!

The planning starts now. The Pro-Bono/ Community Outreach committee meets monthly to plan this tremendous event! We're taking more volunteers who would be passionate about making this Financial Planning Day an astounding success!

Our next meeting is on Thursday, February 20th at 2:00pm at the offices of:

Crown Wealth Management, Inc.
2900 Bristol St. Suite B-106
Costa Mesa CA, 92626

Please RSVP to Wil Smith, CFP® as Pro Bono/ Community Outreach Director, so we can make sure we have refreshments for everyone!

For more information on Financial Planning Days, follow this link:

Make a Difference Helping Military Service Members Make a Plan

Zeiders Enterprises is currently seeking CERTIFIED FINANCIAL PLANNING™ professionals from FPA to provide financial counseling and education services at various military locations across the country. Help educate military service members and their families on the financial planning process. Zeiders will compensate FPA members for their time in providing this much needed service.

Learn More About This Opportunity:



Interested in reading more from Legacy Planning from our speaker, Rod Zeeb, CEO & Cofounder of The Heritage Institute, before our February meeting? Here is a white paper authored by Rob and his son, Ryan, on Sustaining Family Wealth & Unity Across Generations. [PDF]



FPA Membership Monthly Payment Option

FPA is pleased to offer a valuable new service which will allow members of FPA to split up their dues payment into 12 equal monthly installments.

How do I sign-up for the monthly payment plan option?
The online payment plan option may be selected on the application form (online or paper) when joining FPA or during your regular renewal period for existing members. Please note that this option is only available for payments with a valid credit card.

Is there a processing fee for this service?
To cover the administrative and processing fees for the monthly payment option, FPA will charge a nominal $2 fee each month when it debits the member’s credit card.

For more information, click the button below:

Would you like a financial planning internship? Does your company need an intern?

FPA Orange County sponsors a very active internship program for both interns and employers. Individuals who would like to experience working in a financial planning office or those who are seeing if the profession is a good fit can sign up to be an intern. Planners who seek occasional extra help or who might be looking to see how a potential new employee might work out can utilize the services of the intern.

Internships last for approximately ten weeks. Interns need to be able to work at least 10 hours per week to be able to get a good understanding of how a firm functions.

The FPAOC Internship Program has been an ongoing success in our chapter for many years. Both interns and employers have great results. Contact Linda Barlow for more information.

Classifieds Space Available

Have a job opening? Looking for a new career opportunity? Our FPAOC website has a Classifieds Page available for use by our members. We can help you advertise:

  • Services Offered
  • Job Opportunities
  • Jobs Wanted
  • Succession Opportunities
  • Teaching/Training Opportunities
  • Office Space
  • For Sale/Merger

If you would like to post for any of these categories, send an e-mail or an attachment in WORD to FPA of Orange County.

Member Discount Program

Your Membership Just Got More Valuable

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Enjoy 50% off full-access subscriptions: total cost is only $15/month!

Sign-up at www.etfg.com or start your free trial now at ETFG Free Trial. FPA discount code: FPA2013




Brown Streza LLP Attorneys at Law
Payden Mutual Funds
Thornburg Investment Management
United Healthcare Medicare Solutions



American Funds


Cole Real Estate Investments

Fidelity Investments

Alliance Bernstein

Sierra Investment Management

Liberty Home Equity Solutions

Wasatch Funds


TD Ameritrade Institutional


RC Securities


Edward Jones

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Edward Jones




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FPA Orange County