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When: Wednesday, May 21, 2014 - 8:30 am - 4:30 pm
Where: UCI Student Center
RSVP: By Noon on Friday, May 16, 2014

We will be offering 4.5 hours of CE for CFP® Professionals and CPAs, plus 1.0 hour CA Insurance CE.

$20 Members, $125 Non-Members,
and FREE for first time visitors.

Annual Passholders – Please select “Annual Passholder” in registration drop-down menu

Register for Quarterly Meeting

*Click here to view our late fee policy.

Morning Session:

Registration check-in opens at 8:30 a.m. and the morning session will begin at 9:00 a.m.

FPA Orange County Mary Beth Franklin, CFP®
Contributing Editor, InvestmentNews

Session Title:
Secrets of Social Security

1.5 CFP CE


Attendees will learn Social Security rules and claiming strategies for married, single, divorced, and widowed clients and how Social Security can affect Medicare enrollment. We will cover smart claiming strategies for various types of married couples based on age and income as well as what divorced spouses need to know about Social Security. We will learn how survivors may be entitled to two Social Security benefits, and how to decide when to claim each one.

Mary Beth Franklin joined InvestmentNews, a weekly publication for financial advisers, as a Contributing Editor in January 2012. She writes a regular Focus on Retirement column for the highly regarded print publication as well as her Retirement 2.0 blog for its digital edition (

Previously, Ms. Franklin was a senior editor of Kiplinger's Personal Finance magazine and editor of the annual Kiplinger’s Retirement Planning Guide. She was also a congressional reporter for United Press International covering tax policy and federal budget issues. She has written numerous articles for the Washington Post, the Chicago Tribune and a variety of magazines. She has appeared on many national and local television and radio programs including NBC's Today show, Meet the Press, the CBS Early Show, CNN, CNBC, PBS’s WealthTrack with Consuelo Mack and National Public Radio’s Morning Edition.

Ms. Franklin received a Bachelor of Arts in communications from American University, in Washington, D.C. She completed the Certified Financial Planning certificate program at the University of Virginia in April 2013 and passed the CFP certification exam in November 2013. She serves on the Certified Financial Planner Board of Standards’ advisory panel for its Women’s Initiative as well as on the National Academy of Social Insurance’s (NASI) advisory panel on When to Claim Social Security. You can follow her on Twitter @MBFretirepro.

FPA Orange County Todd Macaluso
Sales Director, UnitedHealthcare Medicare & Retirement

Session Title:
Medicare Made Clear for Advisors

1 CA Insurance CE



Medicare Made Clear offers a detailed look at how Medicare works and what choices beneficiaries have for health care costs protection. Medicare is a federal insurance program that provides coverage to individuals over 65 years of age as well as to those who qualify at any age due to a disability. Proper Medicare and health care costs planning is an important part of any comprehensive retirement plan. Individual clients 64 years and older who seek your investment and insurance planning advice are also looking for guidance on how to protect themselves and their retirement plan from the changing Medicare environment. This topic will arm you with a basic understanding of how health care planning should fit into an overall retirement plan, identify areas to improve retirement confidence, as well as pinpoint investible dollars that can be freed up for the betterment of an individual’s secure retirement.

Todd Macaluso has over eight years of experience specific to the Medicare insurance space. Prior to joining UnitedHealthcare Medicare & Retirement in 2008, Todd began his career as a securities licensed financial services professional with Massachusetts Mutual and then as an independent broker with a focus on life and health insurance and long-term care planning. As a sales director at UnitedHealthcare, Todd is focused on developing new strategic alliances with financial professionals who assist Medicare beneficiaries plan for retirement. Todd is an accomplished sales trainer and public speaker and has been a featured as a guest speaker and panelist with the San Diego Association of Health Underwriters, the San Diego Employee Benefit Council, the National Association of Insurance and Financial Advisors, the Orange County Community and Housing Commission, and the Orange County Bar Association Social Security and Disability Section, all with an emphasis on applying Medicare dynamics and education.

Lunch Break  

At lunch, join us for our FPAOC Community Fair, with optional roundtable discussions on a variety of FPA of Orange County topics. Give us your feedback, share ideas, or find out more about an area of interest. Detailed topics will be included in your attendee packet.

Afternoon Session:

FPA Orange County Howard D. Erman, CFP®, EA
Orange County Chapter

Session Title:
President's Message


FPA Orange County Kent Noard, CFP®, EA
Principal of KLN Financial Group

Session Title:
Taxocology: It’s Not What Your Client Earns; It’s What Your Client Keeps!

1 Hour CFP CE
1 Hour CPA CPE



Based on his experience, Kent has determined that most individuals have really no idea how to deal with their tax situation and, as a result, make poor financial choices. In this session, Kent will start with a mid-year review of tax rules that advisors need to know when working with clients and how to help them understand their tax situation better. In addition, Kent will also discuss various other issues including employee stock compensation issues, capital transactions including basis issues, passive activity rules, and issues relating to the death of a client.

Kent E. Noard is the principal of KLN Financial Group and has been in private practice since 1981, providing tax preparation and planning, and financial planning and consulting. He is an Enrolled Agent, enrolled to practice before the Internal Revenue Service. He is a member of the National Association of Enrolled Agents (NAEA) and the California Society of Enrolled Agents (CSEA). 

Kent is also a Certified Financial Planner® and a member of the Financial Planning Association (FPA). He has served as President and Chairman of the Board of the Silicon Valley Society and is a former member of the National Board of Directors of the ICFP, one of the predecessors of the FPA. 

Kent is an instructor and coordinator of the PFP Certificate program at the University of California at Santa Cruz Extension. He has also taught classes at Golden Gate University and National University.

Prior to entering private practice, Kent was employed with the Internal Revenue Service. During his career with the IRS, he was a collection representative, an office auditor, a revenue agent, and the Assistant Tax Shelter Coordinator for the San Francisco District.

FPA Orange County Amy Mullen
Vice President, Money Quotient

Session Title:
Closing the Generation Gap: Insights and Strategies for Building Effective Communication



Amy will review research in behavioral finance and positive psychology and then provide practical strategies for creating an effective decision-making framework that bridges and transcends generational differences. Learn about the universal “5-E Model of Effective Communication,” and how it can be implemented with all clients in every meeting. Financial Planning is experiencing an age wave. Establishing successful client-planner relationships will be difficult to impossible unless you can gain insight regarding how Gen X and Gen Y view their work, their families, and their lives. Understanding your own perspectives and biases as well as what motivates these individuals will be key to establish an engaging and effective working relationships with them.

Amy Mullen is Vice President of Money Quotient. In this role, she frequently presents at financial planning conferences on the topics of life planning, financial motivation and change, and cash flow management. She also focuses much of her time on Licensee education developing materials and trainings, co-facilitating the three-day "Fundamentals of Financial Life Planning" trainings and the "Empowering Change: Understanding Motivations and Guiding Financial Decision Making" Advanced Training, conducting "First Step Cash Management" trainings, and providing one-on-one “Getting Started” consultations with new Licensees to help them customize and implement the M.Q. Financial Life Planning process into their practices.

Amy is an active member of FPA, NexGen, and Nazrudin, and serves as Director at Large on the Chapter Board of FPA of Puget Sound and as a Programs Committee Member for the FPA of Southwest Washington/Oregon. Amy is also currently enrolled in a CFP certification program at the College of Financial Planning based in Denver, CO. Outside of the office, Amy enjoys photography, live music, cooking, and yoga.

FPA Orange County Caleb Brown, MBA, CFP®
Partner, New Planner Recruiting

Session Title:
Positioning Your Firm to Succeed in the War for Talent

(No CE offered for this session)



Recent industry studies show that the financial planning profession is experiencing a substantial shortage of new advisors entering the ranks. This lack of talent, as well as staffing issues in general, are commonly cited as some of the biggest struggles firms have when trying to obtain ultimate profitability. This session explores the process of finding out if you can achieve your goals with your current team or how to attract the new team members required. Specifically, strategies for assessing your current human capital allocation across the 12 Kolbe action modes and securing the talent you need in a very competitive market will be presented.

Caleb is a CERTIFIED FINANCIAL PLANNER™ certificant, Kolbe CertifiedTM Consultant, and original creator of the FPA Career Day program, which began with the Dallas/ Ft. Worth chapter and subsequently, has been implemented by other FPA chapters across the nation. Throughout Brown's career, he has mentored, hired, managed, and coached many career changers and college students seeking internships and full time positions in financial planning as well as the firm owners who hire them. Brown is a frequent speaker on career development topics pertaining to the hiring and successful integration of new planners into financial planning firms. He has been featured in Investment News, Dow Jones, NAPFA Advisor, Financial Planning, Financial Advisor, Virtual Office News, FPA Solutions, and the Journal of Financial Planning regarding his efforts to create a career path for up and coming planners.

Caleb formed New Planner Recruiting in 2009 along with Michael Kitces to source, screen and integrate new financial planners in financial planning firms nationwide. He was named the Next Generation Influencer by Financial Planning magazine for 2012. He is a member of NAPFA and FPA and recently completed three years of service on the FPA NexGen leadership committee. He is a graduate of the Texas Tech Personal Financial Planning Program and spent over five years in an RIA firm in North Texas helping a sole practitioner transition the firm to an ensemble model.

Outside of work, Caleb coaches 3rd and 4th grade boys basketball for Downtown Ministries a program to teach inner city kids necessary life skills. He is also an avid golfer, hiker, Tough Mudder, and snowboarder.

Special Late-Afternoon Session:

Join us immediately following the meeting for NexGen Presents: Career Development with Caleb Brown

FPA Orange County Caleb Brown, MBA, CFP®
Partner, New Planner Recruiting

Session Title:
NexGen Presents: Career Development

(No CE offered for this session)



Looking for a career in financial planning? Caleb Brown, co-founder of New Planner Recruiting, is an expert in helping new planners get started off on the right foot towards a successful career path by placing them in a position and a firm that is the right fit based on their skill set and career goals.

  • Do you know what type of firm you are best suited for?
  • Unsure about what licensing and designations you need?
  • Are you frustrated because you can’t seem to find a good fit?
  • Not sure what questions to ask potential employers?
  • Want tips on how to pass the CFP® exam, improve your resume, and transition into the profession?
  • What are the common benefits and compensation a new hire should expect?

This event is free and for the benefit of new and aspiring financial planners. This is a great opportunity to gain real insight on what it takes to succeed in the financial planning profession.

Register separately for this session.

Be sure to stay for another great raffle! Remember your business cards!


A $15 late fee will be assessed for any member or non-member who registers after the online registration deadline (i.e. after Noon on the Friday before the event). Processing registrants after the Friday deadline impedes preparing printed materials and planning for catering. Thank you for your understanding and assistance!

FPA Orange County


FPA Orange County