NexGen: Basics of Student Loans: What Financial Planners Should Know

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FPA Members: Free
Non-Members: $15.00
Appetizers and drinks provided

About the Program
With $1.5 trillion of student loan debt in the U.S. economy, student loans have surpassed every form of consumer debt except for mortgages. As a financial planner, you are going to see more clients walking into your practice with student loans if you haven’t already. In this presentation, local student loan lawyer Rebecca Maurer will go over the basics of what you need to know to handle everyday student loan questions from your clients.

About Rebecca Maurer
Maurer Law LLC is a legal practice based in Cleveland, Ohio owned and operated by Rebecca Maurer, an emerging leader in student loan law and policy. She is a graduate of the University of Chicago and Stanford Law School, which she attended after seeing the effects of the foreclosure crisis on her hometown of Cleveland, Ohio.  She narrowed her interest to student loan law when she saw the difficulties she and her classmates encountered in managing their own debt. In 2014 she published her first article on student loan and bankruptcy issues.  In 2015 she helped design and implement a student loan calculator available in the iOS App Store.  She has worked on consumer and student loan cases at Patterson Belknap Webb & Tyler LLC and the Legal Aid Society of Cleveland. Rebecca was a federal clerk for Judge James Gwin in the Northern District of Ohio from 2015-2016. Rebecca is the author of the Student Loan Law chapter of the 2018-2019 and 2019-2020 editions of Ohio Consumer Law, published by Thomson Reuters. She is a Student Loan Justice Fellow at the newly formed Student Borrower Protection Center, founded by the former CFPB Student Loan Ombudsman, where she has focused her work on the issue of transcript withholding. In addition to the student loan work, Rebecca maintains a substantial pro bono housing and consumer law practice in collaboration with community organizations in the Cleveland area.  She is a volunteer with Minds Matter Cleveland, is on the board of Slavic Village Development, and is the author of SerialLand, a blog that tracked the podcast Serial as it covered Cleveland’s criminal justice in 2018.

Reservation Policy: All attendees are encouraged to register in advance. If you reserve and are unable to attend, please call the office to cancel by noon 09/30/19 to avoid a no-show reservation billing of $20.00.

Annual Fall Symposium

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REGISTRATION FEES

Members: $195

Non Members: $245

Full time Students: $75

Register Now

CONTINUING EDUCATION

FPA NEO has received approval to provide credit for these programs, which will total five hours of CE from the CFP® Board of Standards for CFP® designation holders with the opportunity for two ethics credits. FPA NEO has also received approval to provide credit for up to four hours of CE from the Ohio Department of Insurance (credit depends on which programs you attend) with the opportunity for three ethics credits. A general certificate of completion and one for CPA designees who feel the programs satisfy their continuing education requirements will also be available.

SCHEDULE

7:30 – 8:30 AM: Breakfast

8:30 – 8:45 AM: Announcements and Partner Introduction

8:45 – 9:35 AM: Concurrent Sessions

Candura 1: “Boom or Bust: Aging in America”

Dan Candura, CFP

About the program: The course will use case studies and interactive polling to help participants understand aging in America and the financial exploitation of seniors and other vulnerable adults.

About the Speaker: Dan Candura, CFP® is the founder of Candura Group, LLC and provides ethics training across the United States, Canada, Europe and Australia through in-person courses and webinars. As President of PennyTree Advisers. LLC, Dan provides personal financial planning for consumers and litigation support for attorneys. Dan taught financial planning, insurance planning and retirement planning in the Sawyer School of Business at Suffolk University in Boston and is also a CFP® Ambassador for the Boston area.

Dan appeared as a featured expert on the PBS documentary Retirement Revolution. He has been profiled in The Journal of Financial Planning, and quoted in numerous publications. He wrote a monthly column for Investment News concerning ethical issues for advisors. Dan served on the Board of Directors of The Certified Financial Planner Board of Standards, Inc. and is a past Chair of the Board of Professional Review. He is a member of the Financial Planning Association and a NAPFA registered financial planner.

Breakout #1: “The Minds and Habits of Millionaires”

Steve Benjamin, CEBS, CRPC, Sit Mutual Funds

About the program: Many people think that their only chance at becoming rich is by playing the lottery when, in fact, we know there are other ways to become wealthy that have better odds.  Just ask the retired school bus driver who built a portfolio worth $3 million.  At this seminar, we’ll explore some common habits and thought processes that individuals developed that helped them become millionaires.

About the speaker: Steve is the Manager of Investment Advisory Services for Sit Mutual Funds.  He works with individuals who are preparing for retirement and also retirees to set up investment programs and withdrawal strategies.  He also works with financial advisors, 401(k) plan participants and retirement plan administrators.  Steve is a graduate of Hamline University and is Series 7 licensed.  Before joining Sit Mutual Funds in 1997, Steve worked in retirement plan administration, marketing and sales at Ameriprise for 9 years and Securian for 1 year.  Over the years, he has spoken to a number of groups on a variety of topics.

9:35 – 10:05 AM: Break with Exhibitors

10:05 – 10:55 AM: GENERAL SESSION

“Guide to the Markets”

David Lebovitz

About the speaker: David M. Lebovitz, Executive Director, is a Global Market Strategist on the J.P. Morgan Asset Management Global Market Insights Strategy Team. In this role, David is responsible for delivering timely market and economic insights to clients across the country. David helped build the Market Insights program in the United Kingdom and Europe, has appeared on both Bloomberg TV and CNBC, and is often quoted in the financial press.

David first joined J.P. Morgan in 2010. Prior to joining the firm, he was a Research Analyst at Kobren Insight Management.

David obtained a B.A. in Political Science and Philosophy, with a concentration in Leadership Studies, from Williams College in 2009. He earned a dual-MBA degree from Columbia University and London Business School in 2015.

10:55 – 11:15 AM: Break with Exhibitors

11:15 AM – 12:05 PM: GENERAL SESSION

“Advanced Roth Conversion Strategies”

Michael Kitces

About the program: Since 2010, anyone is permitted to do a Roth conversion of a traditional IRA or 401(k), regardless of income. However, in the end it’s best to pay your taxes when your rates are the lowest… which means just because you can do a Roth conversion at higher income levels, doesn’t mean you should – especially not all at once. In this session, we explore various strategies to maximize the value of a Roth conversion, from doing backdoor Roth contributions, to systematic partial Roth conversions, Roth barbell strategies to manage the timing of a Roth conversion, and more!

About the speaker: Michael E. Kitces, is a partner and the Director of Wealth Management for Pinnacle Advisory Group, a private wealth management firm located in Columbia, Maryland that oversees more than $2.0 billion of client assets.

In addition, he is a co-founder of the XY Planning Network, AdvicePay, and New Planner Recruiting, the former Practitioner Editor of the Journal of Financial Planning, the host of the Financial Advisor Success podcast, and the publisher of the popular financial planning continuing education blog Nerd’s Eye View through his website www.Kitces.com, all dedicated to advancing knowledge in financial planning.

12:05 – 1:30 PM: Lunch including presentation of the FPA Northeast Ohio 2019 Lifetime Achievement Award

1:30 – 2:20 PM: GENERAL SESSION

“Five Industry Trends Reshaping Financial Advice”

Michael Kitces

About the program: The recent rise of the “robo-advisor” has called into question the relevance of financial advisors and the viability of current advisory business models. Yet the reality is that technology “disrupting” financial advisor business models isn’t new, and has actually happened repeatedly over the past several decades… forcing advisors to adapt and move up the value chain, or be left behind. In this session, we look at how technology is once again driving major changes in the business model of financial advisors, driving a Great Convergence across historically-separate industry channels, triggering a Crisis of Differentiation, a Search for New Business Models, and rising pressure on improving the Client Experience. And in the coming years, these trends will only be accelerated, as the consumers of financial planning – and financial planners themselves – shift from Baby Boomers, to the Gen X and Millennial generations that, as “digital natives”, will expect and demand advisors to both leverage technology, and add value on top!

2:20 – 2:50 PM: Break with Exhibitors

2:50 – 4:40 PM: Concurrent Sessions

Candura 2 (2:50 – 4:40 PM): “CFP Ethics: New Standards for a Fiduciary World”

Dan Candura, CFP®

About the program: Attendees participate in an informative and engaging session that teaches the learning objectives required by CFP Board for ethics training.

  1. Identify the structure and content of the revised Code and Standards, including significant
    changes and how the changes affect CFP® professionals.
  2. Act in accordance with CFP Board’s fiduciary duty.
  3. Apply the Practice Standards when providing Financial Planning.
  4. Recognize situations when specific information must be provided to a client.
  5. Recognize and avoid, or fully disclose and manage Material Conflicts of Interest.

Breakout #2 (2:50 – 3:40 PM): “Integrating Home Equity into Retirement Strategies: Legal, Tax, & Financial implications & Opportunities”

Hank Sanders, American Advisors Group

About the program: This workshop is designed to provide a more advanced look at tools and strategies that advisors, fiduciaries, attorneys, and tax professionals may wish to incorporate into their planning for clients in, or approaching retirement age. With the rapid increase in the number of retirees and the significance of wealth in home equity, professional advisors may have a responsibility to understand how housing wealth fits into their clients’ comprehensive plan in order to serve in the best interest of the client. This workshop will specifically address research & math revealing that the Home Equity Conversion Mortgage is no longer a product of last resort, but rather a meaningful strategic tool to address retirement needs and risk mitigation for mass affluent families.

About the speaker: Hank Sanders began his career in financial services in 1986 with the Merrill Lynch, Pierce, Fenner & Smith Financial Consultant training program. On Monday, October 19, 1987, just over one year into his career, Hank watched as the Dow dropped by over 22%, wiping out over $500 billion in value in a single day. Black Monday reset the entire industry’s perspective of investment risk and had a tremendous impact on Hank’s approach to serving his clients.

For Hank, no longer could he focus on transactional relationships or simply selling products for the benefit of his firm. Although it was unpopular at the time, from that point forward, it became clear that he needed to redefine his business, taking a comprehensive approach to client situations – their dreams, their fears, and their expectations. In the coming years, Hank built a practice with a commitment to holistic financial planning and putting the clients’ best interest first, a philosophy that he has found tremendously rewarding for both himself, and the families he has served.

Over the past several years, observing that there was a significant gap in many people’s savings relative to their retirement expectations, Hank began to expand his understanding on how to include real estate and home equity into his financial strategies. When he was approached by American Advisors Group to join the team that will be sharing this message and educating the industry on the strategic use of equity in a retirement income strategy, Hank knew he could make a far greater impact on the industry and potentially thousands of lives. Today, as a Strategic Business Specialist for AAG, Hank specializes in educating, supporting, and developing relationships with financial advisors.

Breakout Session #3 (3:50 – 4:40 PM): “How an Advisor Adds Value through Behavioral Coaching” 

Christopher Cavanaugh, Vanguard

About the program: This presentation will provide details on Vanguard Advisor’s Alpha, behavioral coaching. The discussion will, explain the mistakes that investors—including advisors—often make, define behavioral coaching and explain how it can build your business, and discuss Vanguard’s three P’s of behavioral coaching.

About the speaker: Chris Cavanagh is a sales executive with The Vanguard Group managing their Registered Investment Advisor relationships throughout the Midwest.  Prior to joining Vanguard in 2011, Chris was a vice president with Goldman Sachs and also spent time working with Alliance Bernstein and Merrill Lynch.  He has over 25 years of industry experience and holds the Series 7 and 63 licenses, and attained the CIMA designation in 2007.  Chris grew up near Vanguard’s headquarters in PA and earned a bachelor’s degree in Business from Franklin & Marshall College.  He now resides in Westerville, Ohio.

Register Now

November 19, 2019 Education Meeting

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TOPIC #1: Case Studies in Donor Advised Funds
SPEAKERS: Terri Bradford Eason, MBA and David Stokley, JD

About the Program: Join members from Cleveland Foundation’s gift planning team to discuss the ins and outs of Donor Advised Funds (DAFs). As the oldest community foundation in the world, the Cleveland Foundation is a recognized leader in community-based philanthropy. With a team committed to finding solutions for donors, learn how customization is the key component for DAFs, and how donors have used DAFs to meet their unique charitable and planning objectives.

About the Speakers: Terri Eason manages the Cleveland Foundation’s Gift Planning Program as a member of the Advancement team. Her primary focus is cultivating relationships that help individuals establish current and deferred philanthropic funds, legacy gifts and charitable giving strategic plans. As such, Terri works closely with professional advisors and their clients to identify, create and provide charitable planning options tailored to achieve specific philanthropic goals. Terri joined the Foundation in October 2008 after gaining two decades of experience in the financial services industry. She had several positions with National City (now PNC) and supported several functions including wealth management, relationship management, new business development, and both private and corporate banking. Terri has served the nonprofit community as a director on several area nonprofit boards. She is a member of the National Black MBA Association, Inc., NAACP, Beta Gamma Sigma National Honor Society, Cleveland Chapter of Links, Inc., Top Ladies of Distinction, Inc. and Jack & Jill of America, Inc. Terri earned her Master of Business Administration degree from Cleveland State University and a Bachelor of Arts degree from Penn State University. Terri resides in South Euclid, Ohio with her husband and their two sons.

Dave Stokley joined the Cleveland Foundation’s Advancement team in July 2019. He focuses on providing individuals, families and organizations with information regarding current and deferred charitable giving options. In addition, Dave works closely with professional advisors and their clients to identify those options that will achieve specific philanthropic planning goals. Prior to joining the Foundation, Dave ran The Cleveland Orchestra’s gift planning program and held positions at the Cleveland Museum of Art and Stark & Knoll LPA. Dave serves as the President of Northern Ohio Charitable Gift Planners and is also on the Board of Directors of the Cleveland Baseball Federation. Dave maintains memberships with the National Association of Charitable Gift Planners, Northern Ohio Charitable Gift Planners, and Estate Planning Council of Cleveland. He earned his law degree from Ohio State University following undergraduate work at Wittenberg University.

TOPIC #2: Socially Responsible Investing at the Cleveland Foundation
SPEAKER: Anthony Gattuso, CAIA

About the Program: Requests for investment options with socially responsible components have skyrocketed in recent years, even in a charitable setting. Learn how the Cleveland Foundation has worked with staff and board members to create and evaluate an innovative suite of programs for donors and grantees. 

About the Speaker: Anthony Gattuso joined the Cleveland Foundation in October 2016 as Manager of Investments. Anthony works with members of the finance team and the foundation’s independent investment consultant, trustee banks and various other investment managers in overseeing the successful administration of the foundation’s $2.5 billion investment portfolio, cash management and finance/treasury analysis. Prior to joining the Cleveland Foundation, he worked in the investment office of the Cleveland Clinic Health System as Senior Investment Analyst.  Anthony earned a bachelor’s degree in business administration from Saint Bonaventure University in New York and studied abroad at Beijing Institute of Technology. He went on to earn an MBA from Cleveland State University. In addition to his academic credentials, he is also a Chartered Alternative Investment Analyst. Also, he currently serves on the Investment Practices Committee of the Fiscal and Administrative Officers Group (FAOG) for Community Foundation’s.

Continuing Education – FPA NEO will request credit for these programs, which will total two hours of CE from the CFP® Board of Standards for CFP® designation holders. A general certificate of completion and one for CPA designees who feel the program satisfies their continuing education requirements will also be available.

Reservation Policy – All attendees are encouraged to register in advance before noon 11/18/19 and walk-in reservations will be accepted on a space-available basis only.  Meeting cost is free for FPA members and $60 for non-members.  If you reserve and are unable to attend, please call the office or email admin@fpa-neo.org to cancel by noon 11/18/19 to avoid a no-show reservation billing of $10.00.

September 19, 2019 Education Meeting

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TOPIC #1: The 411 on Ohio’s 529
SPEAKER: Tim Gorrell

About the Program: This will be an overview and update on Ohio’s 529 College Savings Plan, CollegeAdvantage.  The update will include recent changes to 529 plans, new milestones for CollegeAdvantage and several new initiatives congress is purposing for 529 plans. We will also talk about the upcoming “Back to School” campaign and the 30th Anniversary.

About the Speaker: As executive director of the Ohio Tuition Trust Authority, Tim Gorrell is responsible for leading the state agency and its 35 employees, recommending and implementing the investment strategy as approved by the fiduciary OTTA Investment Board, and managing the overall operations of the CollegeAdvantage 529 Savings Program, which includes over 642,229 accounts with over $12.4 billion in assets as of June 30, 2019.

TOPIC #2: Medicare 101
SPEAKER: Alicia Nighland

About the Program: This presentation will go over the basics of Medicare including who is eligible, how someone enrolls, and when someone enrolls. Also, Medicare 101 will discuss the different parts of Medicare including Part A, B, and D. You’ll learn the difference between Medicare Supplemental policies and Medicare Advantage, and how to compare different options. Also covered will be the annual enrollment periods for beneficiaries.

About the Speaker: Alicia Nighland is a Community Liaison for OSHIIP – the Ohio Senior Health Insurance Information Program.  Alicia joined OSHIIP in 2012. Her duties include recruiting and training new volunteer counselors in thirteen of Ohio’s counties and traveling throughout the state establishing new contacts, attending networking meetings, developing partnerships, and promoting OSHIIP services. Alicia also counsels Medicare beneficiaries on their insurance options and serves as part of the OSHIIP speaker’s bureau giving presentations to the public and interested groups regarding Medicare- including Medicare Parts A, B, D, Medicare Advantage and Medicare Supplemental Insurance as well as Long-Term Care Insurance. Alicia has two B.A. degrees in Strategic Communication and Theatre from The Ohio State University. She lives in Hebron with her husband and enjoys the outdoors.

Continuing Education – FPA NEO will request credit for these programs, which will total two hours of CE from the CFP® Board of Standards for CFP® designation holders. A general certificate of completion and one for CPA designees who feel the program satisfies their continuing education requirements will also be available.

Reservation Policy – All attendees are encouraged to register in advance before noon 09/16/19 and walk-in reservations will be accepted on a space-available basis only.  Meeting cost is free for FPA members and $60 for non-members.  If you reserve and are unable to attend, please call the office or email admin@fpa-neo.org to cancel by noon 09/16/19 to avoid a no-show reservation billing of $10.00.

Cleveland Indians

NexGen: 2019 Indians Game Outing

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This event is sold out. Contact Lauren at admin@fpa-neo.org with questions.

Join FPA NEO NexGen for our annual summer outing to a Cleveland Indians Game!

May 2019 Education Meeting

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TOPIC #1: Exploring the Major Changes Impacting Retirement Decisions for Public Employees in Ohio

SPEAKER: Anthony R. Podojil, Ph.D.

About the Program: The presentation will focus on the substantive changes made to the various public employee retirement systems in Ohio over the last several years and the subsequent impacts those changes have to individual retirement planning for those groups.  The presentation will include changes related to Plan Design, Eligibility, increases in age and service credit requirements, Cost-of-Living (COLA) changes and Health Care, including funding, costs and plans.

About the Speaker: Dr. Podojil has had an extensive history of working in the public school sector focusing on the fiscal issues that impact our local communities and their relation to providing and delivering a high level of educational programs and services. As an educator and superintendent, his love of learning, the desire to pass along the gift of education, on so many levels, has been his inspiration. He brings to the financial realm a great understanding of fiscal propriety, coupled with a sincere appreciation and respect for those individuals seeking financial services. Dr. Podojil is also Co-founder of The Ohio Educators Planning Group (OEdPG). In 1998, when he was the superintendent at West Geauga Schools, he began working with Ted Lorenzen, a financial planner at Cedar Brook. As they planned together to address Tony’s retirement goals, they began to realize that the financial industry did not have a very good understanding of how STRS works and what options exist for members. Having become convinced that they could provide a valuable service to help educators and to demonstrate their commitment to this professional sector, The Ohio Educators Planning Group was formed. Their work with individual clients as well as being actively involved in working with several major educational organizations state wide has led to their assisting individuals with how the latest round of STRS changes impact future retirement projections and helping them chart their financial goals moving forward.

TOPIC #2: Social Security Basics for Public Employees

SPEAKER: Brandon P. Smith

About the Program: Brandon Smith from the Social Security Administration will discuss the work, age, and marital requirements for Social Security retirement, spousal and survivor benefits. The bulk of the presentation will be dedicated to explaining the potential effects of Windfall Elimination Provision and Government Pension Offset. The annual earnings limit and various methods of applying for benefits will also be topics of discussion. There will be sufficient time for questions and answer at the conclusion of the presentation. The agency isn’t going to want our presentations posted to external websites.

About the Speaker: Brandon Smith, a native of Cleveland, Ohio, joined the Social Security Administration in 2003.  Prior to this, Brandon worked as a teacher for 3 years in the Diocese of Cleveland. He started his government career as a Claims Representative in the Middleburg Heights field office, specializing in Retirement, Survivors, Disability, and Health Insurance. In 2007, Brandon became the Public Affairs Specialist in the metro Cleveland area. Brandon is the primary contact for media relations, outreach, and presentations for the agency in Cuyahoga, Lake, Lorain, and Geauga counties. In 2012, Brandon received a Regional Communicator Award from the Social Security Administration. Later that year, Brandon was among the inaugural recipients of the Black Diamond award from the Greater Cleveland Delta Foundation Life Development Center. Brandon is a member of the 2014 Kaleidoscope Magazine’s 40 under 40 Club. And in the summer of 2015, Brandon received a Deputy Commissioner Citation from Social Security’s Office of Communication for his outstanding public affairs support of the agency’s national communication initiatives.   Brandon is a member of various cultural and educational institutions in Greater Cleveland, such as the Western Reserve Historical Society, the Cleveland Museum of Art, the Akron Art Museum, the Cleveland Metroparks Zoo and the Cleveland Museum of Natural History.  In late 2018, he started his own podcast titled, “The Brandon Show.” Brandon and his lovely wife, LaToya, are the proud parents of two beautiful children, Bryce and Brielle, plus a rambunctious kitten.

Continuing Education – FPA NEO will request credit for these programs, which will total two hours of CE from the CFP® Board of Standards for CFP® designation holders. A general certificate of completion and one for CPA designees who feel the program satisfies their continuing education requirements will also be available.

Reservation Policy – All attendees are encouraged to register in advance before noon 05/15/19 and walk-in reservations will be accepted on a space-available basis only.  Meeting cost is free for FPA members and $60 for non-members.  If you reserve and are unable to attend, please call the office or email admin@fpa-neo.org to cancel by noon 05/15/19 to avoid a no-show reservation billing of $10.00

Merwin's Wharf

2019 Summer Social

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You and your spouse, significant other, friend, or coworker are invited to join FPA NEO for our summer social at Merwin’s Wharf.

Located on the Cuyahoga River’s Irishtown Bend, Merwin’s Wharf features stunning views of water and wildlife with nearby connections to recreational opportunities. Nestled in the post-industrial site of Cleveland’s Flats neighborhood, Merwin’s Wharf connects guests to urban greenspace while enjoying fresh, seasonal and locally-sourced menu items.

There is plenty of nearby parking available in the parking lot located behind Merwin’s Wharf.

Monthly Education Meeting

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Topic #1: Seeing How We Think: Insights for Building Strong Connections

Topic #2:  Retaining Heirs: How to Connect with Your Next Generation of Clients

Free to FPA and CFA Members! ($60 fee for non-members)

Breakfast and networking at 8:00 am
Announcements and programming to follow at 8:20 am

TOPIC #1: Seeing How We Think: Insights for Building Strong Connections

SPEAKER: Kate Livingston

About the Program
Our brains are wired in ways that lead us to particular preferences and interpretations of the world. Understanding your thinking preferences, as well as the thinking preferences of others, can have profound implications on personal effectiveness in the areas of client interaction, team dynamics and presentations. Using the Neethling Brain Instrument™ (NBI), a neuroscience-based measure of thinking preferences, Kate introduces a framework for understanding your mental processes and how those influence your relationship development. Prior to the session*, you will take a brief online assessment that generates an analysis of your particular thinking patterns. Kate will then review these findings during her presentation.

About the Speaker
As an organizational development consultant and executive coach Kate’s Livingston’s focus is on helping teams and clients build effective working relationships to improve performance. Using research from adult development, Kate adopts an interactive approach to stimulate collaboration, active listening and meaningful conversations. Kate holds a master’s degree in adult development and psychology from Harvard University, and a Master’s in art history from Pennsylvania State University. She draws from both of these fields when helping clients see how they frame and address their challenges.

*You must complete the online assessment by COB Friday, March 15 to receive your results in person at the meeting. If you complete after that date you will be emailed your results after March 21.

TOPIC #2: From Portfolios to People: The Evolution of Vanguard Advisor’s Alpha®

SPEAKER: Ryan Donohue

About the Program
Join us as we introduce the latest research in the advisor’s alpha series aimed at helping you and your practice thrive in this ever-changing industry. More than 15 years ago, we created the advisor’s alpha concept to help advisors redefine and articulate their value proposition from one solely based on investment performance to one focused more on relationships and holistic wealth management. This evolution in our research addresses ways to adapt and evolve in the face of new regulation, changing investor preferences, emerging technology, and the impact trust has on your client relationships.

About the Speaker
Ryan Donohue is an advisor education specialist and national speaker for Vanguard Financial Advisor Services™. He is responsible for presenting Vanguard analysis and industry research to financial advisors and other financial services professionals. Mr. Donohue joined Vanguard in 2013 and before his current role, he was a sales executive covering the Southern New England territory. Previously, he supported registered investment advisor and bank clients nationally and also worked with high-net-worth individuals in Vanguard Flagship Services Department. Mr. Donohue earned a B.S. in supply chain management and business operations from California State University of Long Beach and an M.B.A. from La Salle University with a focus in finance. He holds FINRA Series 7 and 63 licenses.

Reservation Policy – All attendees are encouraged to register in advance before noon 03/15/19 and walk-in reservations will be accepted on a space-available basis only. *You must register and complete the online assessment for the first session by COB Friday, March 15 to receive your results in person at the meeting. If you complete after that date you will be emailed your results after March 21.

Meeting cost is free for FPA members and $60 for non-members.  If you reserve and are unable to attend, please call the office or email admin@fpa-neo.org to cancel by noon 03/20/19 to avoid a no-show reservation billing of $10.00.

Continuing Education – FPA NEO will request credit for these programs, which will total two hours of CE from the CFP® Board of Standards for CFP® designation holders. A general certificate of completion and one for CPA designees who feel the program satisfies their continuing education requirements will also be available.