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FPA Orange County



March/April 2011


It’s hard to believe that the first three months of 2011 have passed. I am always amazed at how quickly time flies, and am reminded when I see my nieces having children of their own (yes – I am a “Great” Aunt) or when I realize my ___ th High School Reunion is just around the corner! The reminder is there also when I consider the goals I have this year both in personal development and in my professional practice. The day to day demands can often lead me to forget the bigger picture, and often a reminder is needed to allow for this introspection and continued preparedness.

We’ve certainly seen reminders of the bigger picture in this past month, as the tragedy in Japan has impacted not only the victims and their families but also each one of us. We and the markets are mourning, and are now considering the preparation needed when disaster strikes. The hope is that this and other disasters create an improved landscape and a recovery that inspires new growth and opportunities for prosperity. It is through these times that I am led to grieve, but also to consider the bigger picture, and the planning and preparation needed.

My hope is also that the resources our Chapter provides are reminders to you of the tools and support you have when evaluating opportunities for growth and your version of the bigger picture. Be sure to review our “A Must Read” section on Setting Motivational Goals for inspiration. Also, scan through the Calendar of Events and be sure to save those dates in advance. And if you are searching for a means to lend a helping hand, you’ll find many choices at your Chapter level here in this newsletter. Please Do 1 Thing in 2011!

And if you are interested in supporting their future recovery, I also offer to you the following link to help support the relief efforts in Japan through the American Red Cross.

Here’s to the remainder of 2011 and great things to come!

Carolanne Chavanne

Japan Earthquake and Pacific Tsunami


FPA Orange County Launches New Website

Please take a moment to check out our new website at www.fpaocc.org and update your bookmark to the new site. We want to give a special thanks to our volunteers and the designers at Mance Creative for doing a great job.

Media Relations Training

The next FPAOCC Chapter Quarterly Education Meeting will be on May 18th, 2011, from 8:30am to 5:00pm, at the UCI Student Center. Don’t miss out on the Media Relations Training during the lunch session!! Contact Ralph Adamo at 949.955.1188. Email [email protected]

Southern California FPA "Technology Day"

The FPA Chapters of Los Angeles, Orange County, Ventura, Inland Empire, San Gabriel Valley and West Valleys are thrilled to present the first Southern California FPA Joint Regional Technology Day Conference featuring keynote speakers Joel Bruckenstein and David Drucker, the undeniable authorities on how financial planning professionals can utilize software, hardware and other technologies to improve and streamline their practices. This all-day conference will be held on Wednesday, June 15, 2011, at The Olympic Collection. Details are still being finalized, but we promise a not-to-be-missed conference agenda, including breakout sessions presented by the best minds in the biz on the technology trends of the day. Visit the FPA Los Angeles site to register and for more details.

27th Annual Business Growth Conference

This conference, presented by USC Marshall Alumni Association of Orange County and Harvard Business School Alumni of Orange County will be held on Monday, May 9, 2010 at Anaheim Marriot. For more information, please view the flier here. To Register for the conference, click here

RIA Practice for Sale

Registered Investment Adviser practice for sale. Two partners want to retire in next 12 months. Fee only. Approximately $60 million under management. Not more than 26 clients. Terms are available. Send brief description of your business experience, phone number, and email address to [email protected].

FPA Orange County Financial Planning with WomanSAGE

WomanSAGE is looking for female financial planners that are willing to share their expertise with mid-life women who are reinventing themselves – they may have been laid off, widowed, divorced, lost a house, or some combination of events.

The complete WomanSAGE program is extensive and involves
helping women with resume writing, interview skills, clothing, hair, makeup, career counseling, and financial planning. There are currently three nights that financial planning is offered to them. There are about ten women in each group and WomanSAGE tries to do three groups of women per year.

It would be a great place for beginning planners to get involved. If you are a female planner, please consider donating some time for this. Even though the non-profit activities do not pay anything (in money), the benefits down the road are unbelievable!

Contact Linda Barlow for details at [email protected] or 714-953-1232. www.womansage.org

FPA Profile Contest

Update your profile by 4/30/11 and you’ll automatically be entered to win a complimentary registration to FPA Experience 2011 in San Diego, California. Don’t miss your chance to enter, update your profile today at FPAnet.org/Professionals/Membership, then select "Edit Profile" located on the left hand side of the screen. Some restrictions may apply.

There is also a chapter contest. The chapter that has the highest percentage increase in chapter members that have updated their profile from April 1-May 31, 2011 will win FREE registration, travel and lodging for the 2011 Chapter Leaders Conference for one chapter leader from the winning chapter (1 individual per winning chapter, 3 total prizes based on chapter size- small, medium, large)

Local Member, Louis Barajas, CFP®, Recognized by CFP Board

CFP Board congratulates the following CFP® professional on his professional accomplishment:
Louis Barajas, CFP®, of Santa Fe Springs, California, on the publication of his latest book, My Street Money: A Street-Level View of Managing Your Money From the Heart to the Bank.

Webinar: Introducing CFP Board’s Public Awareness Campaign

Join CFP Board for a special preview of CFP Board’s first large-scale national Public Awareness Campaign to increase consumer awareness of CFP® professionals, which will reach the public later this month. The webinar will be held on Thursday, April 14, 2011, from 2 pm to 3 pm (Eastern Time). The Webinar will be presented in an interactive format featuring answers to questions from the live audience. A recorded version will be available approximately one week after the live presentation. Click here for more information. To register for the live event, visit www.CFP.net/webinar.


FPA Orange County

Set Motivational Goals for Practice Growth
By Suzanne Muusers

Do you have a compass to plan where you're going with your practice? Are you excited to get to work every day? Are you focused on success? Do you want to grow your practice? Let's face it. Not everyone wants to grow. Some advisers are very happy where they are and don't want to change, grow or work harder; and that's OK. But if you're the kind of adviser who wants more out of your practice and your life, then the solutions in this article pertain to you. Click here to read more... Click Here to Read More...


04/11 2:00 p.m. - 3:00 p.m. CFP Webinar - Introducing CFP Board's Public Awareness Campaign
05/03 3:30 p.m. - 5:00 p.m. Study Group
05/03 - 05/06 All Day FPA Retreat 2011
05/09 All Day 27th Annual Business Growth Conference
05/12 5:30 p.m.-7:30 p.m. NexGen Happy Hour (Details to come)
05/18 All Day Quarterly Education Meeting
06/15 All Day Technology Day in LA
08/24 All Day Quarterly Education Meeting
09/15 - 09/18 All Day FPA Experience 2011, San Diego, CA
10/04 - 10/10   Financial Planning Week
10/23 - 10/28 All Day FPA Residency 2011
11/16 All Day Quarterly Education Meeting


FPA Orange County Membership Committee by David MacLeod, Chair

The FPA-OCC Membership Committee is dedicated to serving our chapter by working to connect with you, our existing members, and reach out to prospective members. We work hard to welcome visitors and new members while also making longtime members feel appreciated for their service to our community. Each Membership Committee member is committed to fostering long-term relationships and growth in our chapter.

You have most likely run into one of us at the check-in table prior to a quarterly chapter meeting to receive your meeting packet and name badge. In addition to running the check-in table, there are several other ways our committee has served this year. To list a few:

  • We held a New Member Breakfast in March to welcome our newest members and treat them to breakfast at the Marmalade Cafe in Tustin. We had a tremendous time!
  • We also kicked off a NexGen Study Group in March. Our “NexGen” group is geared toward younger planners and those who are new to the profession. We envision our group to be a place where those who are still learning and growing as professionals can come to network and learn from those who have been in this field before us.
  • We contacted members who were up for renewal each month with a friendly phone call and e-mail to help avoid unintentional membership lapses.
  • We spoke to local college students about exploring a career in financial planning and are getting the word out about our new CFP Exam Scholarship Program for CFP Candidates.

We look forward to seeing you at the next quarterly meeting. Please don't hesitate to approach one of us at the check-in table if you have any questions or suggestions for improving our chapter. We're here to help you maximize your ROI in the FPA!

If you are interested in joining the Membership Committee contact David MacLeod

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FPA Orange County

Promote your FPA membership by using the FPA Member Logo. Displaying the FPA Member Logo communicates your dedication to FPA's Code of Ethics and Standard of Care.

Current FPA members who are in good standing can log in to request and download the 2010 FPA Member Logo (Requires Member Login).


FPA Orange County

FPA Orange County Pro Bono Committee by Julie M. Holmes-Grady, 2010/2011 Director

GETTING INVOLVED - Giving vulnerable members of our communities a helping hand by sharing our professional expertise — that's what pro bono financial planning is all about. Throughout the country, FPA chapters are working with community partners to assist those with the greatest need for and the least access to the power of financial planning.

Volunteering as an FPA OCC pro bono planner is a great way to give back, build professional skills and strengthen ties with your community and fellow FPA OCC members. Join our chapter’s Pro Bono/Community Outreach Committee today or just let us know that you have an interest in volunteering! Either way works for us! Contact Committee Chair Julie Holmes-Grady at [email protected].

Junior Achievement Volunteers Wanted – Must Provide Time and Money!
Paul Kirz, CFP® Chair of Junior Achievement Sub-committee of the Pro Bono/Community Outreach Committee

* * * Below are highlights of the Pro Bono Report, for more details, view the COMPLETE PRO BONO REPORT. * * *

CBO HIGHLIGHTS - I would like to take this opportunity to apprise you of some of the Community-based Organization (CBO) volunteer opportunities that are available to FPA OCC members here in Orange County.

Orange County Financial Stability Alliance (OC FSA) - The OC FSA is made up of a number of CBOs, such as Boys & Girls Club, Working Wardrobe, and many others. The "umbrella" organizations who oversee the OC FSA are the Orange County United Way and the Legal Aid Society of Orange County.

Orange County United Way - this organization's mission is to build self-sufficient lives for the health of our community. Natalie Bishop, Manager of Financial Stability has provided an Executive Summary of OCUW's many Orange County initiatives and we encourage you to take a look and learn what they are doing in our OC community.

For more details, view the COMPLETE PRO BONO REPORT.

Legal Aid Society of Orange County is busy fulfilling its stated mission "to provide civil legal services to low-income individuals and to promote equal access to the justice system through advocacy, legal counseling, innovative self-help services, in-depth legal representation, economic development and community education." To help in these matters, the LASOC has developed two tools that might of interest to you and/or any nonprofit organizations with whom you work.

(1) College Wallet – College Wallet is run and maintained by a nonprofit organization to help college students (and their parents too!) get access to the best information and resources around. On the College Wallet site, there is a wealth of valuable information regarding tax preparation, financial aid, money saving tips, and all kinds of student resources. For more details, view the COMPLETE PRO BONO REPORT. [link to the Complete Pro Bono Report html file]

(2) Library Tax Help - Library Tax Help was developed to support both librarians and taxpayers alike by providing them with access to valuable self-help tax preparation information and resources. Librarians can use Library Tax Help as a reference that offers taxpayers assistance through step-by-step tutorials, a tax library, and other helpful materials.

For more details, view the COMPLETE PRO BONO REPORT.

BRAG List - Please remember that if you do volunteer your time to any of these (or other OC CBOs), please report your work at our new BRAG List By completing the data fields, you help FPA OCC keep track of pro bono and other volunteer work within the OC community as well as help FPA National maintain statistics for our organization's national profile with the media.

For more details, view the COMPLETE PRO BONO REPORT.

Current Volunteer Opportunities:
Contact: Julie Holmes-Grady



UC Irvine

UC Irvine Extension’s Personal Financial Planning program, available fully online or in traditional face-to-face format (regular and accelerated), is registered with the Certified Financial Planner Board of Standards, Inc. Students will acquire the job knowledge requirements to sit for the CFP® Board’s CFP® Certification Examination.

UC Irvine Extension is the only school in the country to offer the FPA Residency Program each year. This intensive, week-long program bridges the gap between technical financial planning knowledge and understanding the financial planning process in the real-world. The strength of this unique program is drawn from experienced CFP™ practitioners who mentor participants throughout the week, providing valuable insight and expertise across the spectrum of client relationships and service.

Anyone interested in becoming an instructor at UC Irvine Extension should first view our website at:
Click here to read the guide.

Click here for more information.

For Personal Financial Planning Program: Francine Berg , (949) 824-4661
For FPA Residency Program: extension.uci.edu/fpa
For Recruitment: Gina Cho



Motivating and Helping the Overspending Client: A Stages-of-Change Model

Motivating and Helping the Overspending Client:
A Stages-of-Change Model
by James Grubman, Ph.D.; Kathleen Bollerud, Ed.D.; and Cheryl R. Holland, CFP®

From the current issue of the Journal of Financial Planning:

Executive Summary

  • Severe overspending habits can be highly resistant to change because they share many characteristics of addictions.
  • Prochaska’s Stages-of-Change Model has been used effectively in treating addictions and has been helpful in debt counseling. This article explains the Stages-of-Change Model using language easily accessible to financial advisers and their clients.
  • Five stages of change are described in this paper: denial, ambivalence, preparation, action, and maintenance—along with the client’s potential slide into relapse.
  • The article provides guidance for assessing the overspending client’s readiness to change and describes techniques for moving clients toward lasting success in controlling overspending habits. Click here to read more

    Click Here to read more ...



Name Joined Company City
Janice Carter January Deutsche Bank Private Wealth Management Costa Mesa
James Curtis January Collins Advisory Fullerton
Carlos Guaman January El Triunfo Corporation Santa Ana
Daniel Kopman January Kopman Law Advisors Newport Beach
Andrew Scammon January MetLife Home Loans Seal Beach
Christine Soresi January Life Legacy Advisors, Inc. Huntington Beach
Rebecca Vaiuso January Bottom Line Results Corp. Aliso Viejo
Michelle Volz January Annuity Advisors Mission Viejo
Travis Wasson January   Huntington Beach
Michael Weisz January   Laguna Hills
Martin Wing January   Anaheim
Brandon Jansma February Prudential Financial Irvine
Nick Lind February Prudential Irvine
Ronald Surz February PPCA Inc. San Clemente
Milan Torres February   Corona
Jie Yang February Apeks Investment Group Huntington Beach
Jason Scharp March ICMA-RC Huntington Beach


Name Years    
Colin F. Johnson 5    
Rick K. MacBarron 5    
Phong X. Nguyen 5    
Paul J. Salerno 5    
James R. Schomburg 5    
David Armes 10    
Kari L. Pel 10    
Gregory R. Aitkens 15    
Stephen J. Fazio 15    
David K. Goad 15    


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! 

Why do you serve?
“I serve for both personal and professional enrichment. I like being in a position to influence change for the greater good ." Bill Cuthbertson, MBA, EA, CFP®

Click here to view all quotes ...

The Orange County FPA Chapter Committees have the following "Do 1 Thing" opportunities:

Member Benefits, Steve Kiernan (Chair) - We are looking for someone to help design and manage a mentor program, which will take 8-20 hours to design then about 2-3 hours monthly to maintain. Contact Steve at 714-835-7703. Email [email protected]

Communications, Kevin Henss (Chair) - Monitor and contribute to our chapter’s Facebook page. Contact Kevin Henss at 949-929-3773. Email [email protected]

Public Relations, Ralph Adamo (Chair) - Needs a volunteer for some of the administrative items...maximum of 1 hour per week time commitment. Contact Ralph at 949.955.1188. Email [email protected]

Membership, David MacLeod (Chair) - Help promote FPA of OC’s CFP Scholarship for students of financial planning. Email [email protected].



FPA Orange County Read through the Capitol Update newsletter for the latest summary of tax, securities, pension, insurance and professional issues of importance to financial planners.
  • Battle is Waged over Funding for Regulators
  • Hearings on Department of Labor Fiduciary Rules
  • SEC Approves Rule allowing for all Public Members on FINRA Arbitration Panels
  • SEC Releases Proposed Rule on Compensation
  • New Commissioner at the Texas State Securities Board
  • NY Governor Seeks to Merge Financial Regulatory Agencies
  • Patent Reform Act Expected to Pass in Senate
  • Double Taxes Coming to Passthroughs?
  • House Repeals Expanded 1099 Reporting
  • Maryland Chapter Makes Impact at State Capitol



Artio Global Investors

Artio Global Management LLC, an indirect subsidiary of Artio Global Investors, is committed to providing investment management expertise in asset classes where we believe we can add value over the long term. We have built a successful track record by taking an unconventional approach to actively investing in global equity and fixed income markets.

For more information, please visit www.artioglobal.com or contact Jeffrey Hensal, Director, Western Region—Advisory Services at 212-297-3958

Met Life Financial  Planning Division

MetLife Financial Planning Division

The Financial Planning Division is an industry leader in offering personal, face-to-face financial guidance. Achieving financial goals requires the guidance of a Financial Advisor who is backed by a company that employs a diverse team of specialists. Our team is here to partner with you to deliver cutting-edge financial solutions to meet your clients’ needs in the following areas: comprehensive financial planning, estate planning, business planning, retirement planning, executive benefits planning, and special needs planning.

For more information, please visit our website www.metlifeofsoutherncalifornia.com, or contact Jasmine Mirshahabi—Recruiting Manager at 949-471-5873.





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FPA Orange County