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FPA Orange County



November 2013


When I first sat down to write my first message last January, the S&P 500 was up approximately 2.5%, and the overwhelming majority of this year remained to be seen. Today, the market is up approximately 25%, and almost 10 months have passed. Thanks to our Board of Directors, Chapter Volunteers, and Partners, we've accomplished some pretty amazing things.

Beyond dealing with unexpected Board turnover and surprise letters from the Franchise Tax Board, some of the things we've accomplished so far this year include:

  • Maintaining our record-setting participation at our Quarterly Education Meetings
  • Improving our membership communications process
  • Successfully rejuvenating our study group program
  • Creating an outreach program for new CFP professionals
  • Publishing a Board-authored financial planning article promoting the Chapter in the local media
  • Improving our membership numbers
  • Developing new relationships that promote the profession to allied professionals

The list could go on, but it's equally important, if not more so, to mention all those who have given of themselves so willingly, while also having completed their Board service this year:

Michael Shockley - Chair of the Board
Mike Weber - Board Secretary
Rick Kagawa - Programs Chair
Andrew Scammon - Volunteer Development Chair

As my term of leadership comes to a close, and I move on to becoming the newest member of our illustrious "Dead President's Society," I'd also like to thank our continuing and incoming Board members and new Officers for all they have done, and for what they will do as we move in to 2014:

Howard Erman - President of the Board
Andi Kang - President-Elect
Bonnie Stramer - Board Secretary
Jacqueline Zweig – Treasurer
Balaji Rao – Membership Chair
Robert Antonio – Allied Professionals Chair
Scot Shier – Partners Chair
Wil Smith – Community Outreach Chair
Julie Anderson-Bray - Programs Chair
Aileen Danley - Volunteer Development Chair
Daniel Sands - Public Relations Chair
Fred Giron - Communications Chair
Mark Prendergast - Government Relations Chair

Our Chapter has a history that demonstrates a commitment to growing our profession through the provision of quality education programs and collective action. This history reaches back to well before the creation of the Financial Planning Association (FPA), and it serves as proof of how much can be accomplished through coordinated, consistent, and visionary effort.

We all stand where we are today because of what those who came before us were willing to take on, dream and do. Beyond carrying a debt of gratitude, we all have an obligation to "pay it forward," and do what we can to help move the bar of accomplishment ever upward. Fortunately, we have the FPA, and the Chapter to serve as our organizational structure for doing so.

Accordingly, I'd like to challenge each and every member to continue this tradition of stepping up, and at a minimum, "do one thing" to help move financial planning profession forward. After all, as financial planning professionals, we all know that nothing really changes until we actually become the change we want to see in the world.

Best regards,

Bill Cuthbertson



Quarterly Education Meeting

Our next meeting will be on November 20, 2013, from 8:30 am to 4:30 pm, at the UCI Student Center. This meeting will include 5 CEs for CFP® Professionals and 5 CPA CPEs.

"We're passionate about the idea of financial planning as a profession and the positive impact it has on the lives of others; we're leading its creation, adoption and recognition, RIGHT NOW."

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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 Core Beliefs.

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

Scheduled Speakers:

  • Marie Swift, President and CEO of Impact Communications
    Social Media: Magic or Myth (No CE is offered for this session.)

  • Sam Wardwell, CFA Senior Vice President, Investment Strategist Pioneer Investments
    Climbing the Wall of Worry: U.S. Economic and Market Outlook (1 CFP CE and 1 CPA CPE)

  • Gary D. Altman, Esq., Principal and Founder of Altman and Associates
    The Art of Post-Death Estate Tax Planning: A Real Life Story of Death, Taxes and Really Good Planning After Death!
    (2 CFP CE and 2 CPA CPE)

  • Kevin Wiest CPA MST, Tax Director, Estates and Trusts at Wright Ford Young & Co.
    What To Do in a Client’s Year of Death: An Income Tax Focus (1 CFP CE and 1 CPA CPE)
  • Fred Giron CPCU, Property and Casualty Insurance Specialist, PHD Insurance Brokers, Inc.
    Important Concepts in Property and Casualty Insurance - Catastrophe Planning: Lawsuits, Car Wrecks, & Earthquakes
    (1 CFP CE and 1 CPA CPE)

  • FPA Media Training: FPA members who are also CFP® Professionals will have the option to attend Media Boot Camp held at lunch. Attendees will learn to work with the media and will be certified to respond to FPA media requests.
    (To stay current, media training should be retaken every 4 years.)

  • CHOC Holiday Toy Drive: At the November meeting bring a toy to donate to Children’s Hospital of Orange County!
    There are three easy ways to donate.

  • Visit www.fpaocc.org for more information or register here.

Mark your calendars for all our upcoming Educational Meetings

  • February 19, 2014

  • May 21, 2014

  • August 20, 2014

  • November 19, 2014

2013 Allied Professionals Mixer

Join us on the patio of JT Schmid's as we continue to build momentum from the Allied Professionals Summit! 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.

Date: Wednesday, November 13th
Time: 5:30 - 7:30 PM
JT Schmid’s, 2415 Park Avenue in Tustin

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

Advisors in Transition

Topic: Peer to Peer Roundtable Discussion & Networking
Come join us for an evening of sharing opinions, strategies and ideas on a range of topics certain to benefit your career and practice. We will discuss:

  • Solo, Silo or Ensemble? Is one better than the others? Is there a progression and how do you get there?
  • Independence, does it matter? RIA, Broker-Dealer, fee-only, commission or hybrid? What has your experience been?
  • Organic growth versus inorganic growth. What has worked for you and what has not?
  • What traits are required to be successful in the industry? Is it changing? Where is the industry headed in the next ten years and how do you plan to adapt?
  • Do you have a succession plan? Formal, informal, internal or external? Do clients care or express concern?

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.

Wednesday, November 13th
5:30 - 7:30 PM
Brown & Streza Training Room
40 Pacifica, Suite 1500, Irvine, CA  92618

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

Click here for details or to register.

NexGen Holiday Happy Hour

Join FPA NexGen for this festive Holiday Happy Hour! Come mix and mingle with up-and-coming financial planners and enjoy the holiday atmosphere at The District.

The NexGen community is for young planners and those who are new to the profession. NexGen strives to: provide members with a network that serves to support, advise and encourage one another in our professional advancement; promote, foster, and direct programs that aid in passing the baton; and explore issues common to younger planners.
Thursday, December 19
5:30 - 7:30 PM
JT Schmid’s in Tustin
2415 Park Avenue - The District
First round of drinks and appetizers are complimentary. Bring your business cards to be eligible for door prizes.

Cost is $10. Register here.

Volunteer Appreciation Holiday Party

We want to say thank you for all you do! All FPA of Orange County Volunteers are invited to the Volunteer Appreciation Holiday Party on Thursday, December 12. Watch your inbox for more details or contact Carol Bobke (link Carol Bobke to [email protected]). We have the best volunteers!

Women Advisors Forum

T3 Conference 2014 Banner

The Women Advisors Forum, taking place November 14 at the Island Hotel in Newport Beach, was created to address the professional needs and interests of women in the financial advisory industry. The Forum aims to inspire and educate you in your quest to grow your practice; to foster ample opportunities to build your network; and to provide a venue to stay current on CFP Board-approved Continuing Education credits.

To RSVP or learn more about the Forum, visit the event website or call Ingrid Olsen at (212) 803-8456.

T3 Conference - Advisor’s Edition

T3 Conference 2014 Banner

Special Discount for FPAOC Members!

Are you planning on attending the 2014 T3 Conference? Register here with the code: 2014T3OC. Not only will you receive a $25 discount, but our chapter will receive $25 as well! Register here.

February 10-12, 2014
Hilton Anaheim


11/13/2013 5:30 pm - 7:30 pm Allied Professionals Mixer
11/13/2013 5:30 pm - 7:30 pm Advisors in Transition Meeting
11/14/2013 9:00 am -6:150 pm Women Advisors Forum
8:30 am - 4:30 pm Quarterly Education Meeting
(plus Media Training and CHOC Toy Drive)
12/5/2013 5:30 pm - 7:30 pm NexGen Holiday Happy Hour
12/12/2013 6:00 pm - 11:00 pm Volunteer Appreciation Holiday Party
12/10 - 12/12/2013 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

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


2013 Allied Professionals Summit

Over 175 attendees packed the Pacific Club for the 6th Annual Allied Professionals Summit on October 23rd for a day of great speakers and an opportunity to network with financial planners, attorneys, EAs, CPAs, banking and real estate professionals and more. Each of the thirteen speakers offered fascinating sessions which ranged from UCI Law Dean Erwin Chemerinsky who talked about cases he will argue next month in front of the Supreme Court to Steve Williams of American Realty Capital who unpacked ARC’s headline-making purchase of Cole Real Estate Investments hours earlier to become the top net-lease REIT in the U.S.

Sponsors for the day included Marsh Private Client Services, American Realty Capital, Brown & Streza, Payden & Rygel, ProShares/ProFunds, Signature Resources, Hall & Company, PIMCO, Eaton Vance, Genworth Wealth Management, Preferred Apartment Communities, Valhalla Home Loans, and Orange County Business Journal. We had the honor of co-presenting the Summit with University of California School of Law, OC Bar Association, the UCI/Paul Merage School of Business Center for Investment and Wealth Management, Orange County Chapter of Enrolled Agents and Wealth Counsel.

Thank you to the Allied Professionals Committee:

Robert G. Antonio
Aileen Lau Danley
Mary Mar
Howard Erman
Dennis Barker
Carolanne Chavanne
Kevin Henss
Teresa Tabel
Michael J. Wittick

And special thanks to Scott K. Anderson, Julie Anderson-Bray, Caroline Beeson, Carol Bobke, William Cuthbertson, Lesley Elliott, Liz Dahl, Andi Kang, Trudy C. Levindofske, Lee Anne Maki, Kristen Newman, Sy Qureshi, Michael Shockley, and Bob Welge.

Matt Brown, Brown & Streza, and Scot Shier, FPAOC Partners Chair Networking at the Pacific Club
Matt Brown, Brown & Streza,
Scot Shier, FPAOC Partners Chair
  Networking at the Pacific Club  
Patricia Yeckel, President of Orange County Enrolled Agents, and Howard Erman, FPAOC President-Elect Steve Williams, American Realty Capital  
Patricia Yeckel, President of Orange County Enrolled Agents, Howard Erman, FPAOC President-Elect   Steve Williams, American Realty Capital  
Mercy House Classes

FPAOC volunteers taught financial life skills classes to the residents of Mercy House weekly during the month of September. Mercy House provides housing and comprehensive supportive services for a variety of homeless populations which includes families, adult men and women, mothers and their children, persons living with HIV/AIDS, individuals overcoming substance addictions, and some who are physically and mentally disabled.

We received the following from a Mercy House coordinator, “Thank you so much for all your hard work in creating a Life Skills class that has benefited the lives of our clients! I have heard nothing but great things about your work here and know that our clients appreciated it so much!”

Watch for more opportunities to help! Sign up to receive information on volunteer opportunities and other FPAOC happenings on our Sign Up Page

FPAOC on Twitter

Are you on Twitter? Follow us as at @fpaorangecounty as we tweet about all things FPAOC. Not on Twitter? You can join here. If you tweet about financial planning, we want to follow you too! A big THANK YOU goes out to Andrie Lim of the Communications Committee for tweeting for us.

Financial Education Videos

We have a great new tool to improve your practice! Check out the Financial Education page on the FPAOC website. Reference this with your clients, students or when you need a quick presentation. These You Tube videos were created by Kahn Academy. There are 36 separate videos on twelve major financial topics. Thank you to Wil Smith, Community Outreach Director, for spearheading this great tool to increase the financial literacy of our community.


FPA of California, (FPA-CA), the coalition of the 13 local FPA chapters, continues to make terrific progress in establishing collaborative relationships with our regulators and elected officials.

In December 2012, we prepared a comment letter to the Department of Corporations (now the Department of Business Oversight) regarding proposed custody regulations (originally published in the California Regulatory Notice Register 2012, No. 46-Z) that would impact all investment advisors registered with the state.  We recommended changes that specifically standardized the state's custody rules with those of the SEC and other states as outlined by the National Association of State Securities Administrators.  When we met with the Department of Corporations in June of this year, they acknowledged our comment letter and thanked us specifically for taking the time to respond.

On September 13th, we received an update of the state's custody rules for final comment and were gratified to note that our recommendations were included verbatim in the final proposed rules.  We've submitted a second comment letter affirming our support of the rule and will send our members a summary of how they are impacted once the rules are adopted.  Our efforts to shape the regulations that directly impact our members were not only welcomed but fully implemented.  We anticipate that this is the first of many opportunities that we will have to advocate successfully on behalf of our members and our clients.

FPA-CA is also strengthening our relationship with the State Controller's office through our work on the California Financial Literacy Advisory Committee.  The Committee held its inaugural meeting in San Francisco on October 2nd with FPA-CA as one of the 14 organizations invited to participate.  FPA-CA President, Evelyn Zohlen, presented the current state of retirement literacy in California; recommended resources the Controller and the committee should consider to address the issue; and described the role that FPA could play in improving financial literacy in our state (with special mention of our Financial Planning Days).  Our input was well received and the committee's next steps are, among others, to explore the creation of a state-sponsored website to serve as a single repository of financial literacy resources and to develop a Money Smart Week that offers a wide variety of educational and pro bono advising opportunities sponsored by the myriad of groups that seek to improve the financial well-being of all Californians.

We'll be sharing this good news and offer our further assistance to several Senators and Assemblymen that we will be meeting in their home districts in October and November.  We anticipate a warm reception and look forward to reporting our results to you in our next update.

If you have any questions or comments in the meantime, I welcome them at [email protected].

Kimberly McFee, Volunteer of the Quarter

Kim McFee Volunteer of the Quarter
Amazing volunteers: Kimberly McFee,
Fred Giron and John Nguyen
Congratulations to Kimberly McFee, our Volunteer of the Quarter! Kimberly is a huge asset to FPAOC. She is active on the Membership Committee, and she is one of the first to greet our members at the check-in tables at our Quarterly Education Meetings. Thank you for all you do, Kimberly!

Partner Update

Thank you to all our 2013 FPA of Orange County Partners! We appreciate your dedicated involvement – not only in our chapter, but in also advancing the profession of financial planning. If you have any suggestions for 2014 partners, please contact Scot at 949-770-7555 or [email protected].




Name Joined City Company
Brandt Kuhn, CFP® July Palm Desert Integrated Wealth Management
Joseph P. Martinazzi, II July Placentia  
Alexei Konderkov July Irvine Comerica Bank
Ky H. Nguyen August Garden Grove  
Gregg Cowan August Irvine Continuum Consulting Group
Gabe Taylor August Irvine Charles Schwab & Co., Inc.
Joseph Balsitis August Westminster  
Rikki Torres August Orange American Advisors Group - AAG
Robert Hila August Irvine Shopoff Securities, Inc.
Jenny Lee August Irvine Shopoff Securities, Inc.
Yuhsin Wang August Anaheim  
Vincent Walker September Huntington Beach Sound Retirement Advisors, LLC.
Jennifer Knutzen September Newport Beach Wells Fargo Private Mortgage Banking
Minh Khac Phan September Midway City New York Life Insurance Company
Eric Steingruebner, CFP® September Newport Beach Euro Pacific Capital, Inc.
Cassandra Powers September San Clemente AGA
Jeff W. White September San Clemente AGE
Myung Sik (Peter) Chae September Irvine  
Julia Pham October Irvine First Foundation Advisors
John Calmes October Santa Ana Insight Financial Advisors
Craig Fein October Anahein  
Jacob Greenberg, CFP® October Tustin Financial Advisors Network, Inc.
Rod Kamps, CFP® October Tustin Financial Advisors Network, Inc.
Diana M. Siciliano, CRPC October Newport Beach First Bank Wealth Management


Name Years Company  
Andrew Markham 20 Markham Financial Services, Inc.  
Brad Balen 20 City National Bank
Tracy Ann Kuntz 20 Towneley Capital Management, Inc.  
Lisa Tominson 20 Towneley Capital Management, Inc.  
Marie Liu 15 Ameriprise Financial Services, Inc.  
Edward Mora 15 Bank of the West Wealth Management  
William Fries 15 Fries Financial Services  
John Rumbold 10 Rumbold Financial Servicies  
Joseph Mandichak 10 Mandichak Investment, Retirement  
Dennis Barker 10 Anchor Capital Management Group, Inc.  
Joseph Duran 5 United Capital Financial Partners  

Current Membership

We have 479 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 at http://www.fpanet.org/professionals/Membership/GrowFPA/. 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! 

  • Assist the North County Study Group Coordinator with organization, communication.

  • Become a speaker wrangler (no riding and roping required) - be the contact point for the speaker.

  • Take pictures at our events for our website, bulletin and newsletter.

Help Vets Get Into New Homes with Financial Planning

Our veterans are returning home from deployments and are facing hardships, which includes loss of homes, jobs, medical, and others. Some are severely disabled.

Fortunately there are organizations like “Homes for our Troops” and “Operation Homefront” that are eager to help resettle our veterans. Both organizations are doing their best to get our veterans into homes, but before they can get their homes, the veterans NEED to meet with a FPA member that is a Certified Financial Planner or a financial planning professional. Homes for our Troops, who custom builds homes for the severely disabled veteran, requires they have a financial plan done by one of our professionals before they get the key!

We need financial planners to provide no strings attached/no sales, financial planning information and education to these veterans. You may have had other communications on this project from your local Pro Bono leader or Chapter communications but slots are still available! Please help these veterans begin a new chapter in their lives! Your help is vital to their successful transition and they are waiting for you.

Click here to see needs near you.


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, go to http://www.fpanet.org/professionals/Membership/Individual/.

Looking for an intern? Would you like to be 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 just “kicking the tires” 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

The membership you rely on for networking, advocacy, education and resources, also saves you money on the products and services that can help make you successful. Chances are, you already utilize some of these strategic partners in your everyday business, or you've been considering them - why not enjoy your exclusive discount?

FPA Travel Center

Save 25% on car rental from Avis and Budget. 5% FPA discount on vacations anywhere in the world with TNT Vacations. Are you planning a cruise, check with Cruises Only for a 110% lowest price guarantee, at time of booking, from the America’s largest cruise agency. Need a place to stay, 20% discount on best available rate from Wyndham Hotels and Resorts. If you are traveling for business or pleasure, don’t forget to ask for your FPA discount.

Click Here for details.

FPA Members can receive FREE website advice!

Advisor Websites Logo
  • Generate more web traffic
  • Generate more sales leads
  • Get visitors to take action
  • Enhance customer relationships

As a member of FPA, you have access to free marketing advice and discounts on some of the best practice management solutions in the industry. FPA has partnered with Advisor Websites, a trusted name in the industry, to give all FPA members a free website report card! Even better news ­ FPA members receive a 30% discount on Advisor Website packages.

Advisor Websites Bookmark
We'd love to hear from you! [email protected]



Brown Streza LLP Attorneys at Law
Payden Mutual Funds
Thornburg Investment Management
Pioneer Investments



American Funds


Cole Real Estate Investments

Fidelity Investments

Alliance Bernstein

Sierra Investment Management

Liberty Home Equity Solutions

Wasatch Funds


TD Ameritrade Institutional

Alliance Bernstein


United Healthcare Medicare Solutions


Russell Investments

RC Securities


Sammons Retirement Solutions

Millenium Trust Company


Edward Jones

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Edward Jones





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FPA Orange County