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When Gen Y’rs ask why they have to dosomething, assuming it is framed in a nonthreatening way, they are really just want-ing to know how their specific task fits intothe bigger overall project. They want toknow they are making a difference; somaking sure they know how their contri-bution affects the deliverable or client sit-uation is key. Explain it to them once andhave them document it so when theymove up, the next person won’t have toask why. • Insistence on leaving at 5 o’clock orflex scheduling - Gen Y’rs disdain for log-ging long or weekend hours at the office is
likely a result of hearing their parents say Cont’d page 3
We have featured articles from guest speakers whopresented at the 2012 FPA NorCal Conference. In ourfinal installment, we are pleased to introduce CalebBrown to the FPA NorCal community. Caleb's sessionentitled, "The New Age of Professional Financial
Planners and How to Hire Them Successfully" washighly rated and created a buzz at the Conference.
It is estimated that by the year 2020,Generation Y (born 1978-2000) will makeup 50% of the workforce or approximately75 million workers. Undoubtedly you have,at some point, been exposed to someonefrom Gen Y. It could be in the form of acolleague, an employee, restaurant server oreven one of your kids. :) Gen Y, sometimesreferred to as Millienals, Gen Text, and Gen Why have aunique set of characteristics. These characteristics oftenleave others from other generations, mainly babyboomers, scratching their heads. Since most financialplanning firms tend to be owned by baby boomers, andmost new financial planners tend to be Gen Y’rs someintergenerational coaching may be helpful. Here are some Gen Y tendencies that can frustrate bossesand some things to do to turn these tendencies to yourfavor: • Asking ‘why’ they have to perform a certain task -
the Financial Planning Association June 2012, Vol 13 Issue 6
PLANNER IS PUBLISHED BY:
FPA of Silicon Valleywww.FPASV.org
FPA of San Joaquin Valleywww.FPASJV.org
FPA of the East Baywww.FPAEastBay.org
FPA of San Franciscowww.FPASF.org
East Bay – Meetings & Sponsors . . . . . . . . . . . . . . . . . . . . . . . . 8
Silicon Valley Chapter – Meetings & Sponsors . . . . . . . . . . . 10
San Francisco Chapter – Meetings & Sponsors . . . . . . . . . . . 12
Calendar . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
INSIDE
2012 FPA NORCAL SPEAKER SPOTLIGHTGen Why :) - Intergenerational Work-Place Coaching
by Caleb Brown, MBA, CFP®
Caleb Brown, MBA, CFP is the founderof New Planner Recruiting and he isthe President of FPA NexGen.
FPA PLANNER JUNE 2012, PAGE 2.
Sources:PricewaterhouseCoopers: Millenials atwork, reshaping the work placeHarvard Business Review: EmployeeRetention: What Managers Can DoBureau of Labor statistics:Employment Projections: 2010-2020Summary
FPA PLANNER JUNE 2012, PAGE 3.
“don’t work all of the time like Iam” and “there’s more to life thanwork.” From the Gen Y’rs point ofview, work and leisure should notmix(except when they get a textmessage at work!) It has beeningrained that jobs that offer typicalwork day shifts or even flex sched-uling will lead to a better work/lifebalance which this group so desper-ately wants. I suggest having someflexibility here as long as the expecta-tions are clear, the work gets done,and employees are available torespond to client needs.Furthermore, offering rewards suchas leaving early on a certain day ortime off is a terrific motivator for thisgroup. Often, these have biggerimpacts than financial rewards. Sincethis group is two generationsremoved from the great depression,they don’t have the same drive toaccumulate money and have finan-cial stability as their baby boomerparents. • Preference for electronic vs faceto face communication -Technology and being connected is alarge part of a Gen Y’rs life.Emailing, texting, tweeting, blog-ging and Facebook private messagesare preferred channels for commu-nicating for this group. They werethe first generation to grow up withemail and instant messaging so theyare used to getting answers immedi-ately which allows them to move onto the next task and get closer to
coveted leisure time. Be aware thatthe preference for these types ofchannels, has thrust some Gen Y’rsinto the work force without fullydeveloped interpersonal skills. Firmowners should be aware of this; andscreen for it when looking to hire.• Not willing to take constructivecriticism - When Gen Y’rs weregrowing up they were overly shel-tered and built up by their parents asto not have to experience rejection.Remember, everyone gets a blue rib-bon! Many Gen Y’rs have neverexperienced rejection and we allknow that rejection is a way of lifeespecially in business. Do not refrainfrom giving constructive criticism asGen Y’rs need this to improve, butjust be cognizant in the frequencyand dosage. And don’t forget to givepositive feedback where its due aswell.
Firm owners would be well suitedto keep these points in mind as theyenvision the future of their firms andthe impending workforce shift thatis/will affect them. Owners thatignore intergenerational characteris-tics do so at their own peril andshould be aware that the cost ofreplacing a bad fit employee could beup to two to three times the person’ssalary. These costs are especially detri-mental to smaller organizations inwhich employment turnover lossesare more difficult to absorb. Firmowners can reduce costs and increaseproductivity by positioning them-selves to attract and retain the nextgeneration of workers for the longterm. Attend my session at FPANorCal on Tuesday May 29, from10:30-12:10 to learn more.
SPEAKER SPOTLIGHT
IntergenerationalWork-Place Coaching
The prices of stocks, bonds or goldincrease as investors rush to buy, turn-ing what looked like a good sale into abad one.
Or consider the argument that diver-sification has lost its benefits now thatmany correlations (how closely twoasset classes move together) are veryhigh. The 90% correlation between thereturns of U.S. and international stocksis indeed substantial, but the System 1intuition that might tell us that diversi-fication is useless when correlation ishigh is wrong. A System 2 scientificanalysis of diversification shows thatdiversification has great benefits, evenwhen correlations are high. For exam-ple, in 2008, U.S. stocks lost 37%while international stocks lost 45% — adifference of 8 percentage points.Investors who concentrated their port-folios in international stocks lost thebenefits of diversification. In 2009,U.S. stocks gained 29% while interna-tional stocks gained 42%— a differenceof 13 percentage points. This time,investors who concentrated their port-folio in U.S. stocks lagged behind.
The lessons in Kahneman’s book aresimple and profound. Intuition guidesus right in much of life, but sometimesit misleads us. To make better deci-sions, we often need to slow down ourthinking and let facts guide us ratherthan intuition.
Past performance does not guarantee futureresults and the principal value of an invest-ment will fluctuate so that an investor’sshares, when redeemed, may be worth more orless than their original cost. Diversificationneither assures a profit nor guaranteesagainst loss in a declining market.
LWI Financial Inc. (“Loring Ward”)Securities offered through Loring WardSecurities Inc., member FINRA/SIPC R 12-098 (03/12)
FPA PLANNER JUNE 2012, PAGE 4.
Years ago I rented a car inInverness, Scotland, while on a tripwith my wife. This was my first expe-rience with driving on the left side ofthe road. “Meir, you are driving onthe curb!” shouted my alarmed wifeas we were leaving the airport. Icould hear the tires squealing againstthe left curb, but I could not getmyself to steer the car far enough tothe right. I felt that steering to theright would place me in the lane ofcars going in the oppositedirection, causing a head-on crash. Eventually, Ifound a system thatworked for me — Ialigned the line betweenthe lanes with a particularpoint on my dashboard. Ihad to concentrate as Idrove, since I still felt likeI was driving in thewrong lane.
My experience inScotland illustratesthe central lesson inDaniel Kahneman’snew book, “¬Thinking, Fast andSlow,” where heexplains the two systems in our brainswhich control the way we think.
System 1, the “Intuitive” or“Blink” system, is what you and I usewhen we drive our cars on the rightside of the road. System 1 is fast,automatic and e¬ffortless. I amskilled at driving in America. I ammindful of the road and its hazards,yet I devote little of my mind to my
driving. Instead, I let my mind wan-der, thinking about a book I’m read-ing or a song playing on the radio.
System 2, the “Scienti¬fic or“Think” system, is slow, controlled,e¬ffortful, and rule-following. This isthe system I used while driving inScotland. I had to continuously thinkabout where my car was positionedon the road. I had no brainpower leftto think about anything else.
System 1 is extremely useful, guid-ing us well in most of our life activi-ties. This is the system I use when Iplace my feet into my slippers in themorning as I get out of bed. System 1also guides expert physicians rightmost of the time as they diagnose ail-ments. But true experts know thatthey must be careful in trusting their
System 1 intuition, awarethat they must employ thescience of System 2 whenplausible intuition mightmislead them.
Now think of intuitiveSystem 1 and scientificSystem 2 in the context ofinvestments. Intuitiontells us that stocks, bondsor gold are sometimes“on sale” in financial mar-
kets, just as cans oftuna are sometimeson sale at supermar-kets. But once weswitch from the intu-itive System 1 to thescientific System 2,
we see that there are major di¬ffer-ences between a sale in the financialmarkets and a sale at the supermarket.A supermarket advertising cans oftuna at 50 cents must sell them at 50cents, even if the demand is muchhigher than anticipated. But sellers ofstocks, bonds or gold are not obligat-ed to sell at a price that prevailedwhen they were proclaimed on sale.
SPONSOR SPOTLIGHT“Think” vs. “Blink”by Meir StatmanProfessor of Finance, Santa Clara UniversityLoring Ward Investment Committee
Meir Statman is the Glenn KlimekProfessor of Finance at the Leavey Schoolof Business, Santa Clara University andVisiting Professor at Tilburg University inthe Netherlands. His research focuses onbehavioral finance. Meir's book, "WhatInvestors Really Want," has recently beenpublished by McGraw-Hill.
In May, the FPA SF chapter host-ed a member orientation. We wel-come ALL members to join usannually for a refresher on the manybenefits that come withtheir FPA membership.Everyone knows beingan FPA member pro-vides access to monthlymember meetings andcontinuing educationcredits. Most memberssay they value the net-working opportunitiesavailable at the monthlymeetings, as well asNorCal or other FPAconferences.
There are so manyother benefits your FPAmembership providesthat they sometimes getburied or forgotten.Here are some of the benefits I’vepersonally taken advantage of andfound incredibly useful:
• FPA Planner Search – You get abasic listing in FPA planner searchfor free. The FPA has done anexcellent job in making sure theFPA comes up high in searchengine’s ranking (almost always 1stpage) for consumers who are look-ing for a financial planner. You andyour firm get internet exposure via ahigh quality site for free!
• Free press – The FPA PR machineis always hard at work making surefinancial planners and the value they
bring to clients is in the news. In2010 alone, the FPA was featured inalmost 2300 news articles reachingan audience of 1.5 billion con-sumers!
• Social networking – The FPA hasyou covered. Though your ownsocial networking efforts may besmall, the FPA’s are big! They havea well-known presence on Twitter,LinkedIn, Face Book and YouTube.
• Career Opportunities – Mostlocal chapters offer freejob postings foremployers. Some alsoallow candidates to posttheir resumes forpotential employers aswell.
• Member discounts –have you taken advan-tage of YOUR dis-counts yet? Did youknow you can receivediscounts on FedEx,GEICO insurance andthe very well worth itgroup long term dis-
ability policy?
• Connecting with memberslocally and nationally – The FPArecently launched FPA Connect. Ifyou haven’t checked it out yet, doit! There are over 60 specializedonline communities of interestmade up of members nationwide,which are available for you to join.There are groups related to yourspecific career stage (Student, mid-profession), client demographics(women, cross border planning)and areas of interest (charitable giv-ing, divorce planning).
• Local media opportunities – Didyou know you can get access to local
PRESIDENT'S PODIUM
What Exactly AreYou Paying For?by Julie Asti, PresidentFPA San Francisco
FPA PLANNER JUNE 2012, PAGE 5.
and national reporters via FPA? Onceyou’ve participated in an easy mediatraining session, you can join the listof planners that are contacted anytimea local or national press opportunityarises where they need input of anexpert planner.
• Financial Planning Perspectivesarticles – I love these! They areFINRA reviewed and approved!Perfect for those client newsletterswhen you’re stumped and need a newarticle. There are four articles createdmonthly and all available for your use.
There are many other FPA benefitsthat are invaluable such as the advoca-cy the association provides for ourprofession and the voice they have viatheir work on Capitol Hill. You’re allfamiliar with our pro bono effortswhich include the nationwideFinancial Planning Days.
I know we are all inundated with allthe emails and materials we receivefrom FPA National. But next timeyou have a slow Friday afternoon,take 15 minutes to surf around theFPA website at www.fpanet.org . Ithink you’ll be surprised at all youfind.
Julie Asti, CFP is the presidentof the FPA San Francisco. She isthe Founder and Principal ofAsti Financial Management inAlbany, California.
Facebook has more than 845 millionactive users worldwide. Twitter is rapid-ly growing and has close to half a billionregistered users. LinkedIn has 101 mil-lion registered users. These numberscannot be ignored. However, just list-ing yourself on Facebook,Twitter and LinkedIn will notgenerate business.
This article is not about web-site development. A website isa necessary tool for providingvisibility and credibility foryour prospects. For the pur-poses of this article, I’ll assumeyou have developed a distinc-tive and robust website. If youdo not have one, developingone should be your next step.
Do you have a social mediamarketing strategy? If so, areyou implementing your strate-gy in a disciplined and effectivemanner? If not, you are not alone. Inthis article I discuss the biggest mistakesfinancial advisors make in developingand implementing a marketing cam-paign, focusing on the mistakes relatedto social media marketing. THE MISTAKESNot Thinking StrategicallyStrategic thinking is defining your spe-cific objectives and putting into place awell-thought-out plan for attainingthose objectives.
You must understand how each facetof your marketing campaign interrelateswith each other and supports the over-all objective.• Have you clearly defined your targetmarket and your area of expertise?
• Have you positioned yourself to standout as a natural solution to meet yourtarget market’s financial planningneeds? • Are your Facebook, Twitter, andLinkedIn profiles current, complete andrepresenting your brand well? • Do you have professional, up-to-datephotos on your profiles that also sup-port your brand? • Have you created a Facebook FanPage and business page? • Have you joined any LinkedIn discus-sion groups specific to your target mar-ket?
• Have you actuallyTweeted?
There is no cost to usethese powerful socialmedia tools, but with-out frequent use, theirvalue is limited. In addi-tion, all of these (andother websites) linktogether. Your Tweetscan be displayed onFacebook and LinkedInand you can useLinkedIn to Tweet.
While your use ofsocial media websites isa big leap from the print
media campaigns of old, the basic rulesof branding remain the same.Not having a clear messageSuccessful social media marketingrequires that you clearly and confident-ly communicate your message andvalue to your target audience. As youuse social media to broadcast your mes-sage, you can develop an online follow-ing of people who are interested in whatyou have to say in your area of specialty.This creates awareness and increases thelikelihood that you’ll get leads fromyour social media campaign.Not having a clearly defined target marketWho do you want to serve? By havingclarity about exactly who you serve, you
SHARPEN THE SAW
Avoiding Social MediaBranding Mistakesby Susan DanzigCareeer Development DirectorFPA East Bay
can more easily target that marketthrough specific social media channels.For instance if your target market wereBay Area surgeons, you would want tohighlight your social media message onspecific blogs or user groups that Bay Areasurgeons use.
For good or bad, once you broadcastyour message on the Internet, it can becopied, pasted and rebroadcasted byanonymous readers. Understand thatonce you broadcast a message throughsocial media, you may lose control of itsdistribution. Your message should alwaysbe focused. By maintaining the focus,wherever your message is found, it willremain intact and continue to communi-cate effectively.Not implementing your strategic planFollow through and be clear and consis-tent. Like the sound of the drummer boybeating his drum to encourage his pla-toon to battle, your message should beatwith the same tune.
Consistency equates to reliability in theeyes of your client and supports the attrac-tion of your prospects and the filling ofyour pipeline. Communicate your mes-sage to your target audience consistently.
Have something to say that can estab-lish you as an expert and say it in a clearand concise manner. Maintain top-of-mind awareness. Follow through and fol-low up and continue to educate your mar-ket on your brand, the unique value thatyou bring to the table.
If you are not avoiding these brandingmistakes, don’t worry, you are in verygood company.
I recommend the following tips for theenhancement and effectiveness of yoursocial media marketing campaign:Think strategically. Have a clear andsimple message. Have a clear vision ofyour target audience. Have a writtensocial media marketing plan that youconsistently implement.
I wish you great success in your socialmedia marketing campaign!
FPA PLANNER JUNE 2012, PAGE 6.
Susan Danzig is the co-Career Development andScholarship Director for theFPA East Bay chapter. She is abusiness development expertand coach with her own firmin Walnut Creek.
FPA PLANNER JUNE 2012, PAGE 7.
The Silicon Valley Chapter washonored at our May Chapter meet-ing to name Marcee Yager, CFP® asthe 2011 recipient of the Chapter'sLifetime Achievement Award.
Since entering the financial servicesfield in 1983, Marcee has con-tributed to our profession on bothon a local and on a national level.For many of you she will be best rec-ognized as the "Sheriff" for manyyears at the Far West Roundup inSanta Cruz.
Marcee is a nationally recognizedexpert and one of the pioneers ofintegral planning (often called ‘lifeplanning’), which combines financialanalysis and advice with counselingregarding life decisions. A certifiedmediator and a practicing spiritualdirector, Marcee has been an invest-ment advisor since 1984 and a CFP(Certified Financial Planner) licenseesince 1988. She has an extensivebackground in finance, strategicplanning, and coaching.
Her passion is enabling people torecognize the influences that affecttheir approach to making decisions.She was a founding member of theNazrudin group of financial planners,and one of the first people certified toteach Kinder’s “Money Maturity”workshops. She is also a foundingmember of the Financial TherapyAssociation.
She has served on the ChapterLeadership Resource Council and theProfessional Development AdvisoryGroup of the FPA and is a past presi-dent and chairwoman of the SiliconValley Society of Certified FinancialPlanners, the predecessor organiza-tion to the FPA. She also served sev-eral times as a mentor in the FPA’sResidency program, which she says isa high point in her professional life. She moved to Todos Santos, Mexico,in 2009 but continues to service herclients here in the Bay Area whileenjoying the warm climate, life in asmall town, and margaritas.
MEMBER SPOTLIGHT
Marcee Yager, CFP® by Bob Adams, CFP®, MBA, MSFP
East Baywww.FPAEastBay.org
FPA PLANNER JUNE 2012, PAGE 8.
East Bay Chapter Partners
Oppenheimer FundsDavid Borrelli
(925) [email protected]
Shaffer Insurance Services(925) 944-7100
Redwood Mortgage InvestorsDiana Mandarino
(650) 365-5341 ext. [email protected]
Franklin Square Capital PartnersJohn M Sorrell
(925) [email protected]
Putnam InvestmentsAlex Hayes
(415) [email protected]
Franklin TempletonJB Walker
(925) [email protected]
Gold
East Bay Chapter Executive Director
New address? Has your membership information changed?
Krysta Patterson / [email protected] / 925-935-9691
Fidelity InvestmentsCampbell Judge(877) 544-8026
MFS InvestmentsGrant Martin
(602) [email protected]
Strategic CapitalRoshan Weeramantry
(408) [email protected]
Lord Abbett & Company, LLCDouglas Stockslager
(201) [email protected]
SilverMetLife
Thomas MacDonald(707) 407-5727
Black RockMichael Wade
(415) [email protected]
Guardian Life InsuranceBrent Frisk
(415) [email protected]
LaserficheLinda Koa/Sheila McEwen
[email protected] x312
RS FundsHudson Walker(415) 308-2522
Signet Mortgage CorporationClay Selland
(925) 807-1500 [email protected]
Wells Fargo Advantage FundsKristina Page
(510) [email protected]
UC Berkeley ExtensionPaul Emery
(510)643-1052extension.berkeley.edu
Hartford Mutual FundRamiel Betpolice(408)460-8080
JP Morgan FundsJack Roddy
(415) 772-3052 [email protected]
Stonecrest FinancialTodd Feldman
(408) 557.0700 ext. 234 [email protected]
KBS Capital Markets GroupNick Rosenthal(949) 514-1160
Goldman Sachs AssetManagement
Brian Nash(312) 655-6324
TransAmericaLoi Yu & John Devlin
(415) 250.0916/ (510)851.9944
[email protected] /[email protected]
Hennessy FundsAJ Hennessy
(800 )966-4354 [email protected]
East Baywww.FPAEastBay.org
FPA PLANNER JUNE 2012, PAGE 9.
FPA PLANNER JUNE 2012, PAGE 10.
Silicon Valleywww.FPASV.org
Note: Silicon Valley FPA Brown Bag Lunch Events require FPA membership to attend. FPA members from otherchapters are welcome to attend as well as guests of FPA members
Title: Dealing with Difficult Clients: A PrimerSpeaker: Susan Keel, JD, RN, CPCCDate & Time: Wednesday, June 20th, 2012, 12:00 noon to 1:30 pmLocation: San Jose, CA (Rose Garden Area)Cost: $10RSVP: Lauree Murphy [email protected]
All planners would love to have an “A” client list – all clients engaged in the process, enthusiastic about implementing recom-mendations, and respectful of the planner’s knowledge. This is the ideal. Most planners at some point in their career come faceto face with a “difficult client”. The definition of difficult can vary: it can mean that the client is not following the advice pro-vided by the planner, or may be challenging the planner’s recommendations, or may be personally difficult to get along with. Inthis session, attendees will learn ways to manage these potential conflicts at the outset, and to shift the planner/client relation-ship in ways that increase productivity. This session will feature Susan Keel, JD, a life and relationship coach, sharing her experi-ence and techniques on this topic. Seating is limited. Reserve your seat by RSVP’ing to [email protected]
Title: Divorce and Real Estate: Knowing Your Client’s Options Speaker:Kathryn Hisert, Referral Realty & David Butler, American Pacific MortgageDate & Time: Wednesday, July 18th, 2012, 12:00 noon to 1:30 pmLocation: San Jose, CA (Rose Garden Area)Cost: $10RSVP: Skip Frenzel at [email protected]
Divorce is emotionally demanding. Kathryn and David will be discussing the real estate disposition options available to yourclient and how your role, early in the process, could make the difference between a financially successful divorce and a finan-
cially devastating one. What actions, and when they are taken, is critical to the disposition process. Topics to be discussed:Mortgage tools used in a negotiated buy-out, multiple capital gains exclusions, feasibility of staying on title together, short
sales, etc. Risks and advantages of multiple scenarios will be discussed in this informative session. Seating is limited. Reserveyour seat by RSVP’ing to [email protected]
Upcoming Silicon Valley FPA Brown Bag Lunch Event
Silver
Gold
Platinum
Silicon Valley Chapter Partners
The Dayton Law FirmRich Dayton
Thornburg Investment ManagementDean Mesquite707-829-8784
Stonecrest ManagersChristina Gray
408-557-0700, ext. [email protected]
Security 1 LendingGreg Hacker
Redwood MortgageDiana Mandarino
800-659-6593 ext. [email protected]
IShares 529 PlanVivian Tsai
FlexShares, managed by Northern TrustAllen G. Carr
LaserficheLinda Kao
562-988-1688 [email protected]
Home Instead Senior CareMichelle Rogers650-691-9671
Life EncoreSara Zeff Geber, [email protected]
408-364-1107
Heffernan Insurance CompanyDeborah McGreenery
Silicon Valley Chapter Executive Director
New address? Has your membership information changed?
Susan Adams / [email protected] / 877-808-2699
FPA PLANNER JUNE 2012, PAGE 11.
Silicon Valleywww.FPASV.org
Metlife Inc.Linda Weilert
San Franciscowww.FPASF.org
FPA PLANNER JUNE 2012, PAGE 12.
San Francisco Chapter Executive Director
New address? Has your membership information changed?
Holly Wilkerson / [email protected] / 877-260-3218
Loring WardVincent Crivello
San Francisco Chapter Partners
Redwood MortgageDiana Mandarino
800-659-6593 [email protected]
ING Investment Management
Troy Chakarun415-298-8974
Gold
Silver
Stonecrest ManagersChristina Gray
[email protected] ext. 302
The Financial Planning Programat Golden Gate University
Steve [email protected]
415-442-6584
UC Berkeley ExtensionPaul Emery
MetLife Home LoansElaine Parker
Schroder Investment ManagementJohn Maguire347-703-3940
U.S. Global InvestorsMax Porterfield
Tocqueville Asset ManagementKristen Dinsbach
Diamond Hill InvestmentsEd Vukmirovich
JunxureErin Kincheloe
First TrustCraig Anderson
MetLife Geoffrey Wallace415-729-5331
LaserFicheLinda Kao
iSharesVivan Tsai
Northern TrustAllen Giles [email protected]
MorningstarMark Netjes
Cohen and Steers, Inc.Mark Dickinson
2012Silicon Valley
FPASV.orgSan Francisco
FPASF.orgEast Bay
FPAEastBay.org
For advertising opportunities, please contact Brenda Herrington at 650-851-4414 or [email protected]
Production and Layout by Audrey McGimsey
Planner is published monthly by five Northern California chapters of the Financial Planning Association: FPA of the East Bay, FPA ofSan Joaquin Valley, FPA of Silicon Valley, FPA of San Francisco and FPA of Monterey Bay. The views and opinions expressed in Plannerare not necessarily those of FPA or its members. Planner may not be reproduced without permission from the publisher. The NorthernCalifornia FPA Chapters welcome advertisements from reputable suppliers of products and services to the financial planning commu-nity. However, Planner does not perform “due diligence” on advertisers, authors or sponsors and cannot guarantee that their offer-ings or writings are suitable or correct.
FPA PLANNER JUNE 2012, PAGE 13.
Chapter Meeting Calendar
JULY
AUGUST
SEPTEMBER
San Joaquin ValleyFPASJV.org
Friday, July13th,
11:30 am - 1:30 pmTechMart
Is Cash Losing its Function as aStore of Value?
Axel Merk
Tuesday, July 10th,
11:30am - 1:30pmSF City Club
Timeless and Timely TaxTopics
Jason Graham, CPA
Tuesday, August 14th,
11:30am - 1:30pmSF City Club
Charitable Brainteasers –Joint Event with NCPGC
Brian Clontz
Wednesday, August 1st,
7:15 a.m.Round Hill CC
Getting Your Kids toCollege
BK Croker
Wednesday, September 5th,
7:15 a.m.Round Hill CC
Various Global AssetClasses
Jason Hsu, PhD
No August Chapter Meeting
Friday, September 14th,
11:30 am - 1:30 pmTechMart
Senior Care TopicMichelle Rogers
No July Chapter Meeting
the Financial Planning Association3130 Alpine Road,
Suite 288 Portola Valley, CA
94028
Chapter Executive Directors
New address? Contact your chapter office directly at the email or phone below
East BayKrysta Patterson
San FranciscoHolly [email protected]
Silicon ValleySusan Adams
San Joaquin ValleyErin Aquino
