FPA National Capital Area Newsletter Page 1 September 2013

President’s Message Brian Jones, CFP®

Continued on page three

A Pinnacle Award Level Chapter Recipient of FPA National’s Highest

Level Award for 12 Consecutive Years!

Volume 14, No. 9, September, 2013 Web address: www.fpanca.org

FPA Headlines The Newsletter of your local association

Ryan M. Fleming, CFP® President’s Message

It is sad to see summer go because it means less golf, but it’s also an exciting time for us with a full agenda for FPA-

NCA. As the final quarter of my tenure as president opens, we’re looking at nearly a dozen great events to wrap up

2013. There should be a little something for everyone, so I’m hopeful that each of you gets out of your office to at

least a couple of things this fall.

The biggest event of the year is Metro Washington Financial Planning Day (MWFPD). The 2013 event has been

scheduled for the first Saturday in November. This event drew over 300 attendees last year, so we’re looking for

another huge crowd and great pro bono effort from the chapter. This national Financial Planning Day event is

coordinated by FPA, CFP Board, U.S. Conference of Mayors, and the Foundation for Financial Planning. Details:

Saturday, November 2, 2013

Columbia Heights Educational Campus

10:30 a.m. to 4:00 p.m.

(volunteers to arrive by 9:30 a.m.)

Our committee is co-chaired by chapter members and past participants Melissa Sotudeh and Jim Sprung. Melissa is

working on facilities, volunteers, and coordination with partners at CFP Board and the Mayor’s office, and Jim is

working on outreach to community organizations, non-profits, colleges, and media to generate an overwhelming

number of attendees who want to improve their financial lives. Consider volunteering or forwarding event details to

your neighborhood email thread or posting on all of your social media outlets.

Another neat event that I mentioned in the last note is the semiannual FPA-NCA and FPA NexGen happy hour.

September’s event is two weeks away: September 24 from 5p to 7p at Chima Steak House on Towers Crescent in

Tysons. Turnout looks robust. If you like talking, come to share your story as an advisor, whether you’ve been in the

business for 5, 10, 15, or 50 years – the next generation of planners who will be working with your clients when

you’re retired need to hear battle stories, wildly successful ideas, and be engaged by each of you. They don’t want Continued on Page Two

FPA National Capital Area Newsletter Page 2 September 2013

UPCOMING FPA NATIONAL CAPITAL AREA PROGRAMS Please see Program details in this Newsletter!

Thursday, September 12, 2013 – Ethics Course, Bethesda Country Club, Bethesda, MD

Thursday, September 12, 2013 – Member Luncheon, Bethesda Country Club, Bethesda, MD

Tuesday, September 24, 2013 – NEXGEN and FPA NCA Member Happy Hour – McLean, VA

Thursday, October 10, 2013 – Member Reception, Maggiano’s Restaurant, McLean, VA

Thursday, October 10, 2013 – Member Luncheon, Maggiano’s Restaurant, McLean, VA

Please register for these programs on-line at www.fpanca.org. More details and events to be posted soon! Please

check our web site for complete details on our events!

Continued from Page One

to be an owner tomorrow (well, perhaps they might, but then again so did you when you were getting started), but

they will be owners soon enough. Please consider taking some time to come for drinks (we’ll buy the first one) and

free appetizers. And also consider nudging your 20- to 35-year old colleagues to both attend the event and join

NexGen. Leadership in our area is incredible, with Jennifer Quigley (national NexGen president) and Laurie Belew

(FPA-NCA board member) engaging their peers at a level we weren’t engaged with in our twenties and early

thirties. They’re breaking the mold, and you need to be involved as mentors or members. Come on out for a couple

hours and meet them.

My two year CFP CE cycle was up on 8/31, so I’m excited to see an ethics presentation preceding our 9/12

membership luncheon. Ethics is a free program for all FPA-NCA chapter members. While we will repeat that at the

Winter 2014 Symposium in January, this one starts at the lovely nine o’clock hour instead of zero dark thirty for the

Symposium version. It’s your chapter’s effort to be where you need us to be, doing the things you need us to do

(although, to my successor, Helen Modly, I will confirm that we’ll never have a meeting in Middleburg, sorry).

More on our programs for the fall are detailed on pages 3, 4, 9 and 10. We have included details on our September

and October programs, as well as our Winter Symposium! Also, please remember to vote for our 2014 FPA NCA

Board detailed on page 6. Thanks for taking a few minutes to read this note. As always, if you have any questions,

concerns, suggestions, or just want to say hi, please feel free to reach out to me or any of my fellow board members.

All of our contact info is on the last page of the newsletter, every month. Looking forward to seeing you at one of

our events soon!

Best regards,

Ryan M. Fleming, CFP®

2013 President, FPA of the National Capital Area

FPA National Capital Area Newsletter Page 3 September 2013

The Five Core Principals For Mastering Interpersonal Relationships

By Bryan Beatty, CFP

Sometimes is a good idea to get back to the basics. It is very easy not see the forest for the trees. In running

an advisory practice you have so many things you must do. You must stay on top of asset allocation models and the

economy. You have to keep up with changing tax codes and legislation. You have to manage your office operations

and human resources. You have to comply with the regulations and mange to maintain your CE requirements. You

have to manage your operation processes including your technology, your trading platform and your CRM system.

You have to continue to service your clients and market to get new ones. Suffice it to say you are sometimes

overwhelmed and you forget that without the basics you can misfire and everything slides downhill from there.

September’s luncheon brings us Dan Finley of Advisor Solutions and The Five Core Principals For

Mastering Interpersonal Relationships. “Great communication is the lifeblood of every sustainable business

relationship.” says Dan. We are in a relationship business not matter how you look at it. That is the big picture, the

forest. All the stuff we have to do each day, they are our trees.

Spend a lunch hour getting back in touch with one of our essential basics – communication. Learning to more

clearly and effectively communicate with people will improve all aspects of your business.

Are you speaking your clients/prospect’s language?

Do you know the CORE personality types?

Learn the art of story telling

Using the metaphors and analogies

These are just few of the things you will re-engage with in this September’s member luncheon. Join us for a

very worthwhile discussion. – 2 CFP, 2 CIMA, 2 VA Insurance Approved. 2 CPA CPE Offered. No MD Insurance.

Happy Hour: NexGen & FPA-NCA

HOST: Laurie Belew (FPA-NCA/NexGen) 703-889-1111

WHEN: Tuesday, September 24 from 5:00 PM to 7:00 PM

WHERE: Chima Tysons Corner 8010 Towers Crescent Drive, Vienna, VA 22182

We are joining members of the FPA National Capital Area chapter for a networking happy hour. Please come out for

drinks and conversation, and bring your colleagues - of all ages!

The last happy hour was a huge success, and we hope to have a great NexGen turnout again.

Call or email Laurie Belew if you have questions: 703-889-1111 or lab@fjyfinancial.com.

NexGen is a Financial Planning Association community focused on the next generation of financial planners. This

community of young professionals (age 36 and under) is guided by the mission to foster learning and growth that

contributes to the legacy of the profession.

Laurie Belew (FPA-NCA/NexGen)

FPA National Capital Area Newsletter Page 4 September 2013

The Case For Succession Planning

By Bryan Beatty, CFP®

Speaker: Sameer S. Somal, CFA, CFP®

"The business succession plan of an advisor is emotionally complicated and deeply personal" Blue Ocean Global

Wealth

The average age of a financial advisor is in the mid to late 50's and the typical practice is one advisor and one or two

support staff. Of the 467,000 registered reps, 176,000 are independent and 41%

are over fifty.

So, what is your exit plan?

Where do your clients go when you retire?

Where will your employees go?

How much is your life's work of building this book of clients and managing their plan for their future worth?

The case for succession planning is a presentation on how and why you should have a plan. And it isn't just a

retirement that will be the reason to have a plan. Whether there is an attempted sale or transfer, a death, disability,

divorce, regulatory enforcement disqualification or bankruptcy what happens in the absence of a plan is clearly a

mess, a loss of value, and bad for your clients.

There are a number of ways to do succession planning learn the different ways transitions are taking place today and

may work in the future.

So should the solution be an internal succession or a family transfer.

Should there be stock or use of debt?

What about an earn-out?

How much is your business worth and how do you maximize the value of the transition?

Do you have a plan? Join us for an interesting and lively discussion on succession planning October 10th.

1 CFP, 1 CIMA Approved! 1 VA Insurance and 1 MD Insurance Pending!

October 10, 2013 – Maggiano’s Restaurant, McLean, VA

10:30 – 11:30 Member Reception – Come Meet Your FPA NCA Board and Learn about Your Chapter!

11:30 – Check in for Luncheon Program

Noon – 2PM – Luncheon Program

FPA National Capital Area Newsletter Page 5 September 2013

A Look at Time Management

By Chris Rivers, CFP®

Recently, our firm conducted a time management workshop with the help of an outside practice management

consultant. Our entire company from principals to interns gathered and went through a full day’s worth of exercises,

group discussions, breakout sessions, and individual tasks. Each of us took away one action item to track (with the

help of a partner) over the next 21 days, in an effort to change one bad habit for each of us.

Clearly we each took away something concrete from the day. However, equally as important was the time we spent

together, the interaction in the room, and the opportunity for collaboration by employees would not typically work

together on a project. Too often we fall into the trap of focusing on the task at hand, or feeling that we are “too

busy” to get away from our desks; or almost equally as important, take our staff away from their desks.

It can be hard to give up productive hours from our staff in order to have them attend a training session or

conference. If they do not hold a license or designation, or there are no CE credits involved, there is even less

motivation to pay them to be out of the office for half a day or a full day.

I thought about this as I looked at the FPA NCA schedule for this fall. On September 12th

at Bethesda Country

Club, we have a luncheon program by Dan Finley on “Five Core Principles for Mastering Interpersonal Relations.”

Two weeks later on September 24th

we have a networking happy hour at Chima Steakhouse in Tysons Corner,

which is a joint event held by FPA NCA and FPA NexGen. (What is NexGen? See Laurie Belew’s posts here and

here.) On October 10th

, we have a luncheon program at Maggiano’s in Tysons Corner on “The Case for Succession

Planning.” And then in November (back at Bethesda) we have a Professional Development Program.

As you can see, this fall’s program schedule offers a wealth of valuable content, and should be particularly helpful

for those in the early or middle stages of their career path. Aside from the concrete material presented, there will be

great value in being in the room, networking and interacting with peers and successful planners, and simply being a

part of the community experience that is FPA NCA.

When planning the time management workshop above, it was difficult to “give up” a full day’s worth of work, but

the positive effects of the day will be felt long after we have caught up on any work that sat idle for a few hours.

So…if you have support staff, paraplanners, new hires, or career changers in your office, please consider bringing

them out to an event this fall. You may be surprised how valuable the experience is for everyone.

FPA National Capital Area Newsletter Page 6 September 2013

PLEASE VOTE NOW! Proposed 2014 Officers and Directors

The Proposed Board of Directors for 2014 is listed below. This Membership Announcement requests your approval

for the proposed slate. Please return your vote as soon as possible to PeggyNelson8@verizon.net. We need your vote

in written form for approval of our 2014 Board. Please include your name on your email when voting so that we have

a record of the members who voted. You may APPROVE the Proposed Slate; you may write-in candidates to the

Proposed Slate; or you may vote AGAINST the Proposed Slate (or portions thereof).

In addition, our membership meeting will be held on Thursday, December 12, 2013 at Maggiano’s Restaurant of

Tysons Corner, McLean, Virginia at approximately 11:30 a.m. This meeting will be prior to our monthly program

scheduled for that day. At this meeting, we will request your voice approval of our proposed slate. We will accept

nominations from the floor that day, as well. We notify our membership of the proposed Board and request votes from

our membership in written format, as well as at our Membership Meeting, in order to be assured of reaching a quorum

of responses necessary for approval and to follow the procedures outlined in our By-Laws. Thank you for your help in

electing our new 2014 Board of Directors.

2014 PROPOSED OFFICERS:

Ryan Fleming, CFP, Chair Helen Modly, CFP, President

Ken Robinson, CFP, President-Elect Dan Lash, CFP, Treasurer

Bryan Beatty, CFP, Secretary and Chair of Capitol Hill Day

2014 PROPOSED DIRECTORS:

Tommie Monez, CFP, Programs Co-Director

Jon Yankee, CFP, Programs Co-Director

Augie Zullo, Sponsorships Co-Director

Howard Pressman, CFP, Sponsorships Co-Director

Melissa Sotudeh, CFP, Facility Requirements & Social Events Co-Director

Josh Halpern, CFP, Facility Requirements & Social Events Co-Director

Tracey Baker, CFP, PR/Media Relations & Communications Director

Chris Rivers, CFP, Membership Co-Director

Patricia Ludwig, CFP, Membership Co-Director

Kathleen Sindell, PhD, Pro Bono Co-Director

Solon Vlasto, CFP, Pro Bono Co-Director

Parker Trasborg, CFP, Professional Development Director

Ilene Brostrom, CFP, Professional Development Director

Laurie Belew, CFP, Mentoring Director and NEXGEN Liaison

FPA National Capital Area Newsletter Page 7 September 2013

Save the Date! Sixth Annual Financial Literacy Leadership Conference

October 21-22, 2013

The Washington Court Hotel on Capitol Hill, Washington, DC

TWO POGRAMS APPROVED FOR CFP CE!

Ethics for Everyone This workshop will cover six learning objectives required by the Certified Financial Board of Standards for ethics training. Specifically, the workshop cover the following subject areas: 1) Demonstrate an understanding of, and be able to define financial planning, and financial planning process and financial planning areas; 2.) Describe the material elements of financial planning; 3.) Determine if a CFP professional is providing financial planning or material elements of financial planning; 4.) Demonstrate an understanding if the required elements of a written agreement when financial planning services are provided; 5.) Articulate disclosure requirements and apply disclosures requirements to their practices; and

6.) Define and outline elements of the fiduciary standard and know when it applies.

This workshop will be lead by Dan Candura, CFP.

The Role of Financial Literacy in Financial Planning

Financial planning is important to maximize income and wealth creation. This workshop will cover the importance of the inclusion of financial literacy in personal financial planning. The expert panelists will discuss how a broaden approach to financial planning will enable individuals and households understand how each component of personal finance is interrelated to achieve financial goals and objectives. Moreover, the workshop will address the impact of financial literacy when it is included in financial planning.

Many other programs available! Please go to www.sfepd.org to review the program and register for this event!

FPA National Capital Area Newsletter Page 8 September 2013

October 11, 2013

Member Welcome Reception – 10:30 – 11:30

Member Luncheon – 11:30 – 2PM

Maggiano’s Restaurant, McLean, VA

Speaker for Luncheon: Sameer Somal

Presenting: The Case for Succession Planning

1 CFP, MD, VA, CIMA and CPA Pending Approval!

SAVE THE DATE!

SEPTEMBER 12, 2013 – Bethesda Country Club, Bethesda, MD –

ETHICS COURSE – 9AM – 11AM – 2 CFP CEU, 2 CIMA, 2 MD and 2 VA Insurance!

SEPTEMBER 12, 2013 – Bethesda Country Club, Bethesda, MD – MEMBER LUNCHEON – 11:30 – 2PM

2 CFP, 2 VA Insurance, 2 CIMA and 2 CPA Approved! NO MD Insurance Available!

The Advisor/Client Connection: Five Core Principles For Mastering Interpersonal Relations

The Advisor/Client Connection: Five Core Principles For Mastering Interpersonal Relations is about learning how to incorporate vital

psychological principles that help lay the foundation for best practices and proactive communication and ongoing dialogue between

financial advisors and their clients/prospects. It is necessary to formulate and continually strengthen these essential skills as they provide

the framework for solid relationship building and optimal business interactions.

The Power of Preparation: How to Create a Great First Impression—“Why do People Buy?”

Are You Speaking Your Client’s Language? Knowing What Their Not Saying—“Why do we connect with some people and not with

others?”

Crafting Your Story: From Product Pusher to Problem Solver—“Is it more important to give prospect/clients what they want or what they

need?”

The Reality of Responsibility: How to Best Serve Your Clients—“What is the quickest way to lose a client?”

Maintaining the Momentum: Success is a Marathon not a Sprint— “How Do You Keep the Machine Running?”

FPA National Capital Area Newsletter Page 9 September 2013

FPA National Capital Area Presents:

The 2014 Winter Educational Symposium

Friday, January 31, 2014 – Dulles Hyatt, Herndon, VA

Time Type Speaker Topic

6:00 - 6:45 am Ethics Check-in Please visit our Sponsors

6:45 - 8:45 am Ethics

Dan Candura, CFP® Ethics Training

8:00 - 9:00 am General Check-in Please visit our Sponsors

9:00 am Opening

Remarks

Rita Cheng, CFP®

Symposium Chair

9:10 -10:00 am Session 1

Bob Doll, Chief Equity

Strategist with Nuveen Market Commentary

10:00 -10:50 am Session 2

Carolyn McClanahan,

CFP® Healthcare Reform

10:50 -11:20 am Break Please visit our Sponsors

11:20 -12:10 pm Session 3

Manish Malhorta & Wade

Pfau, CFA, PhD

An Efficient Frontier for

Retirement Income &

What Retirement income

Strategies Work

12:10 - 1:10 pm Lunch

1:10 - 1:30 pm FPA National

Speaks

Michael Branham, CFP® FPA Update

1:30 - 2:25 pm Session 4

Carol Craigie, CFP®

How behavioral Finance

affects client retirement

and investment portfolios

2:25 - 3:00 pm Break Please visit our Sponsors

3:00 - 4:00 pm Session 5

Lori Epstein, JD

Estate Planning for the

Modern Family

Continued on Next Page

FPA National Capital Area Newsletter Page 10 September 2013

4:00 - 4:50 pm Session 6

Kathleen Burns Kingsbury How to Give Financial

Advice to Couples

4:50 - 5:00 pm Closing Remarks

Helen Modly, CFP®

5:00 - 6:00 pm Networking

Cocktail

2 Ethics CFP CEU – and 2 CIMA CE 6 CFP CEU, 6 MD, 6 VA, 6 CIMA, 6 CPA CPE – Pending Approval

Register on line at www.fpanca.org

Early Bird Rate: $275 for Members - $325 for Non-Members until December 15, 2013

After December 15, 2013 – Members $325 – Non-Members $375 until January 10, 2014

After January 10, 2014 – Members $375 – Non-Members $425

PRE-REGISTRATION REQUIRED – SEATING IS LIMITED

PAYMENT MUST BE RECEIVED IN ORDER TO CONFIRM REGISTRATION

Please note that no cancellations and/or refunds can be accepted after January 10, 2014.

Cancellations received prior to January 10, 2014 will be subject to a $100.00 cancellation

fee. All refunds will be made in check form if cancellation and/or over payment meets the

stated policy.

If you are attending the CFP Ethics Course, as well as the Symposium, TWO DIFFERENT

REGISTRATION FORMS must be completed, one for each program, so that we plan

appropriate materials. Thank you!

FPA National Capital Area Newsletter Page 11 September 2013

INTERNSHIP WHITEPAPER PUBLISHED BY JON YANKEE

Following our previous Career Development Programs, Jon Yankee has completed his whitepaper on Implementing

Internships. An article will be published in the October Financial Planning Magazine. To read this article, please

follow this link: http://bit.ly/r2hfxZ

Jon has offered this article as a resource to our chapter. This article link is also posted on our web site, and will be

distributed through other outlets, as well. Thank you, Jon, for sharing this resource!

FPA NCA Communities of Learning

FPA Connect, FPA’s new social platform allows members to share best practices and expertise. FPA NCA recognizes

that some members may be interested in study groups or “communities of learning” to further develop their financial

planning expertise in different topic areas. FPA NCA would like to encourage anyone who is interested in either

facilitating or joining a community of learning to email Rita Cheng at marguerita.m.cheng@ampf.com. Some

suggested communities of learning are divorce planning, special needs planning, planning for same sex couples, just

to name a few. We are certainly open to additional suggestions and ideas.

WE WELCOME OUR JULY 2013 NEW MEMBERS!

Toria Briggs CFP® Karen Burkhart 3305 Kaywood Pl 5802 Nicholson Ln No 601 Falls Church, VA 22041-2516 Rockville, MD 20852 Phone: Phone: (908) 202-4961 Email: toria.briggs@gmail.com Email: karen.burkhart@usaa.com Ambari Prakash Pinto Growing Tree Financial Consultants LLC 1121 N Stafford St Arlington, VA 22201 Phone: Email: ambaripinto@gmail.com

FPA National Capital Area Newsletter Page 12 September 2013

PRO BONO VOLUNTEERS NEEDED!

Thanks to the FPA NCA grant, Our Daily Bread (ODB) is in the process of joining with United

Community Ministries (UCM) to establish a free Financial Counseling Clinic in the Alexandria

corridor. This will allow them to reach a broad new client base and reach out to those who are too far

away from the free Financial Counseling Clinic in Herndon.

Five financial planners are needed to volunteer for the kick off on Wednesday, March 13th

from

6:30pm to approximately 8:30pm. The location is: Sacramento Neighborhood Center, 8792 E

Sacramento Drive, Alexandria, VA 22309. It is located in a shopping center on the southbound side

of Route 1, just north of Woodlawn Plantation and Fort Belvoir.

Ongoing help is also needed. The expected dates for 2013 are the 2nd

Wednesday of each month,

except for July, August, and December (3/13, 4/10, 5/8, 6/12, 9/11, 10/9, and 11/13).

Please contact Marcelle Miles at Our Daily Bread as soon as possible if you would like to volunteer.

ODB provides training and course materials.

Marcelle W. Miles

Financial Literacy Program Manager

4080 Chain Bridge Road

Fairfax, VA 22030

Office: 703-273-8829 Fax: 703-273-7131

Cell: 571-356-7246

email: financialliteracy@ODBFairfax.org

web: www.ODBFairfax.org

Thank you,

Tommie & Tacy Tommie Monez and Tacy Paul-Roby

Co-Chairs, FPA/NCA Pro Bono Committee

FPA National Capital Area Newsletter Page 13 September 2013

FPA National Capital Area Newsletter Page 14 September 2013

Please see our web site at www.fpanca.org under Scholarships for the

Application for these Diversity Scholarships.

FPA National Capital Area Newsletter Page 15 September 2013

MEMBERSHIP HALL OF FAME - THANK YOU RENEWING MEMBERS!

We are proud to announce FPA membership anniversaries for December 2012 - 2013!

Five Year Members

Melissa Sotudeh, Warren Schneeweis, Scott Hughes, Lily Poy, Daniel Trumbower, Christopher Allen, Russell

Robertson, Shannon Rowan, Larry Rosenthal, Carmen Martinez, W. Reid Howard, Illa Amerson, Chris Warner, David

Hainesworth, John Kovel, Todd Growney, Jason Dahl, Courtney Sweeney, James Gambaccini, Nathaniel Massey, Lyn

Dippel, David Edwards, Suzanne Grason, George Petrov, Debbie Parker, Susan Leonard, Brett Hoffman, Mitchell

Freedman, Tacy Paul Roby, Kenneth Coan, Debbie Gallant, Maureen Bigger

Ten Year Members

Robert McCarty, Robert Tucker, Timothy Wesling, Jon Yankee, Daniel Joss, William Drums, Charles Evans,

Christiano Marchiori, Jeffrey Hamblen, David Taube, John Cermack, Carl Vail, Constance Dupras, John Williams,

Pamela Bergeson, Ted Schwab, David Carlson, Nicholas Serenyi

Fifteen Year Members

Melvin Brenner, John Dolan, William Calhoun, B. Curtis Smith, Maria Smith, Gerald Bauer, Bredna Blisk, Kimberly

Cox, Arthur Stein, Harold Wittman, Kenneth Watter, James Henderson, Steven Weisman, Archibald Hoxton, David

McKee, Virginia Morgan, Vijay Khetarpal, Barry Glassman, Frederic Flower, Beth Remick, Paul Bennett, Thomas

Byers, Richard Pinion,

Twenty Year Members

Joseph D’Orazio, Michael Rebibo, Nabih Nabti, Delberta Thomson, Newton Pendleton, Marysue Wechsler, John

Jensen, John Scafone, Michael Tievy, Jerold Rosenberg, Marcy Kelly

Twenty Five Year Members

Ed O’Hara, Elissa Buie

Thirty Year Members

James Ruth, Glen Buco, Joel Stillman, Marilyn Petry, Kim McLeland, Debbie May, John Campbell, G. Joseph

Votava, Dennis Gurtz, Bruce Vaughn, Victoria Trumbower, Steve Bingham, Paul Yurachek, John Prokopchak

Forty Year Members

Michael DeFazio, Sally Law, Jeffery Hahn

FPA National Capital Area Newsletter Page 16 September 2013

Announcing a New FPA NCA Member Benefit…

Get Published in the FPA NCA Monthly E-Newsletter Effective this month, the Financial Planning Association, National Capital Area (FPA NCA) welcomes original, advanced

papers on any aspect of financial planning, whether research-based or conceptual in nature. For an article to qualify for

submission the author must be an FPA NCA member. Members are limited to one published article per year. For more

information on submission procedures please see Author Guidelines. (FPA NCA Sponsor Partners may also submit articles

for our Newsletter, to be reviewed under Sponsorship Guidelines.)

The FPA NCA understands that many financial professionals are seeking new ways to communicate to others their financial

planning expertise. These financial planning experts are often gifted with unique insights that they want to share with others.

Publishing in the Financial Planning Association, National Capital Area Monthly E-Newsletter provides an important outlet

for FPA NCA members who want to hone their messages and make their organizations stand out from the crowd.

If you have any questions or comments about submitting your article, please do not hesitate to contact Kathleen Sindell,

Ph.D. at 703-299-1700 or send e-mail to ksindell@gcsr.com.

Financial Planning Association, National Capital Area (FPA NCA)

Author Submission Guidelines for Monthly Newsletter

A New Member Benefit -Get Published!

The Financial Planning Association, National Capital Area (FPA NCA) welcomes original, advanced papers on any aspect

of financial planning, whether research-based or conceptual in nature. For an article to qualify for submission the author

must be an FPA NCA member. Members are limited to one published article per year. Article submission guidelines follow

and are based on the FPA National Web site procedures located at www.fpanet.org. (FPA NCA Sponsor Partners may also

submit articles for our Newsletter, to be reviewed under Sponsorship Guidelines.)

Composition Approach

Audience

Keep our readers—primarily experienced financial planning professionals—in mind as you write. Provide timely, practical

material that applies to, or will directly benefit, financial planners in their work. Take into account that your article is not an

advertisement for your firm or services. Assume the reader has a fundamental but not esoteric knowledge of the financial

services industry.

Style

Your writing style should be easy to read and follow, yet professional. Thoughts and concepts should be clearly presented

and easy to comprehend. Examples that illustrate key points are encouraged.

Organization

Stay focused on guiding the reader through the paper. State early its purpose, the material it will cover, and why that material

is important and useful to the reader. Clearly summarize the paper's premise and key findings or recommendations.

Objectivity

Content should be objective and avoid mentioning or promoting specific financial products or services. Any statements or

assertions should be supported by sufficient research and data.

Research

Academic research in financial planning should have a direct and demonstrable application or benefit for financial planners.

All research should be readily accessible by editorial staff, review board members and readers.

Length

Manuscripts should run approximately 5,000 words .

Continued on Next Page

FPA National Capital Area Newsletter Page 17 September 2013

Continued from Previous Page

Format

Your name, mailing address, e-mail address, phone number, and a brief biography should be on the cover page. For blind-

review purposes, the second page should consist of the title and an executive summary of no more than 250 words, but not

your name.

Executive Summary The executive summary, ideally in a bulleted list, should tell readers what they can expect from reading your paper, including

all major points and broad conclusions. Do not attempt to sell the reader on the merits of the article. Include information such

as whether your article is a primer, for the experienced planner, or for planners at any level and highlight any specific

opportunities for practical application of your data.

Infographics

Infographics—tables, drawings, graphs, charts, or other visual support material—should not be excessive in length or in

number.

Endnotes/References

The FPA NCA uses an author/date system. While there are too many variations based on the variety of sources to cover here,

these are our basic formats for articles and books:

Articles: Last Name, First Name [subsequent authors are First Name, Last Name]. Year. "Article Title." Publication

Title 1 [volume], 2 [issue] (Month or Season, if available): 22–32 [page numbers].

Books: Last Name, First Name [subsequent authors are First Name, Last Name]. Year. Book Title. 4th ed. City:

Publisher.

Screening & Review

Initial Screening

The Communications Committee first screens manuscripts for appropriateness and quality, and may suggest revisions before

sending a manuscript for blind peer review. Authors are notified of the editorial staff's decision.

Peer Review

Articles with merit will be reviewed by the FPA NCA Communications Committee. The initial screening and peer-review

process takes six to eight weeks. You will be notified as soon as we have heard from all of our reviewers.

Once we have received all manuscript reviews, you will receive a letter notifying you of next steps—publish, revise, reject—

for your manuscript, along with copies of the reviewers' evaluations.

While your manuscript is in the review process, we ask that you do not submit it to any other publication for consideration.

The FPA NCA will not publish any articles that have been accepted or printed by other publications.

Submissions

Electronic

Send your completed manuscript or article ideas, preferably as a Microsoft Word file, to Kathleen Sindell at

ksindell@gcsr.com or PeggyNelson8@verizon.net. We acknowledge receipt of all content.

Payment

Authors receive no remuneration or reimbursement for any expenses incurred in conjunction with the preparation of articles

published on the FPA National Capital Area Web site.

In Conclusion

If you have any questions or comments about please do not hesitate to contact Kathleen Sindell, Ph.D. at 703-299-1700 or

send e-mail to ksindell@kathleensindell.com

MEMBER ADVANTAGE PROGRAM

You may be missing out on substantial savings that come with your FPA membership!

Your FPA membership includes discounts with several of FPA's discount participants. Get the most out of your FPA membership and start saving today! Take a look at some of the newest members in FPA's affinity program!

New! InFRE® Retirement Resource Center (IRRC) Retirement planning is an integral part of financial planning and, as such, FPA has formed a strategic alliance with the International Foundation for Retirement Education (InFRE®) and the InFRE® Retirement Resource Center. The purpose of this alliance is to provide FPA members, many of whom are already Certified Financial Planner professionals, with discounted access to educational offerings that allow planners to further study the growing complexities of retirement planning, income and design.

SmartXpress Office Supplies Forty thousand business products with discounts of up to 70 percent. SmartXpress is the Smart alternative to shopping retail. Orders over $50 ship same day with free next-day delivery from 31 distribution centers. New customers receive an additional 25 percent off their first order of $100 or more.

Markel Cambridge Alliance The E&O program provided through Markel Cambridge Alliance for Registered Investment Advisers (RIA) and independent Investment Advisery Representatives (IAR) offers stability, quality of coverage and excellent customer service at a discount to FPA members. Markel Cambridge Alliance has been a long-term partner with FPA and has provided this coverage since 1988.

The College for Financial Planning As a member of FPA, you have access to discounts on superior educational programs, one of which is through The College for Financial Planning.

The Dalton Review Dalton Education provides FPA members significant discounts on their CFP® review programs. The Dalton Review® for the CFP® Certification Examination is the leading review provider in the country, with pass rates consistently 70-80 percent on the exam.

FedEx FPA and FedEx are working together to bring you special FedEx discounts. Save up to 21 percent on select FedEx® shipping services and up to 15 percent on select FedEx OfficeSM services — no enrollment fees.

GEICO Save up to eight percent off GEICO's already low rates with this new member benefit. Take advantage of your free rate quote today.

Identity Theft Protection Program Every three seconds another identity is stolen. Protect your identity with LifeLock, the leader in identity theft protection. Get 30 days free and 10 percent off.

IPS AdvisorPro® Created by advisers, for advisers, this award-winning Web-based system helps advisers build fully customized Investment Policy Statements (IPS) quickly and easily and is available through FPA's Member Advantage program. Current FPA members can take advantage of a discounted rate on their first year's subscription when you sign up at http://www.ipsadvisorpro.com/.

Kaplan College As a member of FPA, you have access to discounts on superior educational programs, one of which is through Kaplan College.

Continued on next page

FPA National Capital Area Newsletter Page 19 September 2013

MEMBER ADVANTAGE PROGRAM – Continued from previous page

Long-term Disability The new FPA group disability plan is 50 percent less expensive than individual policies with similar features and is available exclusively to FPA members. An up to $6,000 per month tax-free benefit is available payable to age 65. The application process takes less than five minutes. +studentaid.com As a member of FPA, you can receive the +studentaid.com College Cost & Planning Report™ for a special discounted price. The College Cost & Planning Report™ can strengthen your financial planning client relationships by helping them to make well-informed, affordable college choice decisions.

Vacation Center Explore the world at discount prices and receive an exclusive FPA member discount at the FPA Member Advantage Vacation Center.

Wireless Center Save time and money at the FPA Member Advantage Wireless Center. Compare and purchase plans and phones from all major carriers and brands.

And more!

Start saving on all of your office and personal needs today! It's already included in your membership; take advantage of the FPA Member Advantage Program!

The Financial Planning Association is the owner of trademark, service mark and collective membership mark rights in: FPA®, FPA/Logo and FINANCIAL PLANNING ASSOCIATION®. The marks may not be used without written permission from the Financial Planning Association.

MENTORSHIP PROGRAM CHANGES

FPA National has recently launched the Mentor Match program. This is a six-month mentorship program,

which consist of structured activities and supporting materials.

Six-Month Program benefits/highlights:

A supportive environment which provides guidance to both mentees and mentors on how to create a

successful relationship.

A clear start and end date, which provides clarity around the duration of mentor-mentee engagement.

Kick-off call where expectations can be set and mentees are coached on how to set their goals for the

engagement.

A Program “check-in call” around 2 months in to share best practices and ideas.

Wrap-up call to celebrate successes.

This national program will replace our local mentorship program, and we encourage our chapter members to

get involved. For more information and to sign up, please go to http://connect.fpanet.org/aboutmentormatch.

FPA National Capital Area Newsletter Page 20 September 2013

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 shaping our profession!

Here are SOME Things….. What will your ONE thing be? FPA Committees that would welcome YOU….

Charity Golf Event: Have fun, while you network with your fellow professionals and raise money for the

Foundation for Financial Planning.

Join the Golf Committee and help plan the May event

Seeks Sponsors to support this charity event

Promote this event to members for participation

Come and enjoy a great day on the course

Consumer Awareness: Elevate public awareness; promote financial literacy.

Lead a basic investment workshop

Work with the schools on a Junior Achievement Program

Help Plan and Participate in Financial Planning Week at local events

Government Relations: Help shape legislation and the future of the profession.

Help Organize a Financial Planning Day at the State level.

Interact with legislators

Attend a hearing on advisor regulatory issues

Educate regulators of our services as a resource and counsel to the public

Member Communications: Sharpen your communication skills; engage members in FPA NCA events.

Contribute an article to the newsletter

Develop Announcements for chapter programs and events

Develop new ideas for our chapter web site

FPA National Capital Area Newsletter Page 21 September 2013

Membership: Increase Chapter membership.

Help plan a social event

Distribute membership information at the meetings

Make telephone calls to welcome new members

Make telephone calls to encourage members to renew

Help staff a CFP Exam luncheon for students

Attend a free Member Breakfast to learn more about our chapter

Survey Members to assess their satisfaction with our chapter

Partnerships: Create alliances with partners.

Draft a survey to evaluate partner satisfaction

Meet with partners in your office

Welcome partners who exhibit at our programs

Pro Bono: A call to action… give the gift of education through large-scale initiatives.

Assist military families

Volunteer for CAAB financial literacy programs

Help baby boomers plan for retirement in coordination with the DC Government

Volunteer for HIP to counsel single mothers on home ownership

Volunteer with the local school systems on financial literacy programs

Professional Development: Reach out to students, encourage new financial planning professionals, and assist senior

advisors in keeping their skills sharp.

Be the FPA NCA liaison to a local educational institution

Help coordinate a study group for students, beginners or experienced professionals

Assist in the planning of a Professional Development Program for our Chapter

Be a Mentor and mentor one new planner for three months

Programming: Infinite Possibilities: Integrating our Life and Profession with Education and Inspiration.

Suggest topics and speakers for educational programs

Help Build the Spring Symposium with our Sponsor Partners

Review and critique a potential speakers’ presentation in your area of expertise

Attend our educational programs on a regular basis

Be a Buddy at Meetings to foster community building

Invite a guest to a meeting to explore FPA

Public Relations: Enhance your visibility and be seen as a financial planning resource.

Answer finance-related queries from the press

Develop a relationship with your local newspaper editor

Attend free training in working with television, radio and print media on February 11

FPA National Capital Area Newsletter Page 22 September 2013

Questions... Comments... How can I start my One Thing?

Charity Golf Event Chris Rivers, CFP® and Michael Nester

E-Mail Address: CRivers@afmfa.com or mnester@accessnationalbank.com

Government Relations Mentoring and NEXGEN

Josh Halpern, CFP® ChFC, CLU Laurie Belew, CFP®

E-Mail Address: Josh.Halpern@RaymondJames.com Email Address: LAB@fjyfinancial.com

Member Communications and Web Site Development Scott Peterson

E-Mail Address: Scott@Relaystationmedia.com

Membership

Jon Yankee, CFP® and Jeff Kulik

E-Mail Address: jpy@fjyfinancial.com or Jeffrey.Kulik@fmr.com

Partnerships Programming

Mitch Berlin, CFP® or Ken Robinson, CFP® Kathleen Sindell, PhD and Bryan Beatty, CFP®

E-Mail Address: Mitchell.G.Berlin@ampf.com or E-Mail Address: ksindell@gcsr.com or

Ken@Bernhardtwealth.com BBeatty@EBWLLC.com

Pro Bono Public Relations and Media Relations Tacy Paul Roby , CFP® and Tommie Monez, CFP® Scott Peterson and Tracey Baker, CFP®

Email Address: Tacy.Paul.Roby@Calvert.com or E-Mail Address: Scott@Relaystationmedia.com or

TMonez@focus-wealth.com BakerT@CJMLTD.com

Career Development Programs

Howard Pressman, CFP® and Parker Trasborg, CFP®

Email Address: HPressman@EBWLLC.com or TrasborgP@CJMLTD.com

FPA National Capital Area Newsletter Page 23 September 2013

2013 PREMIER SPONSORS

ACCESS NATIONAL MORTAGE and ACCESS NATIONAL BANK

Augie Zullo, 703-871-1344 and Michael Nester, 703-871-7346

azullo@accessnational.com and mnester@accessnationalbank.com

CALVERT INVESTMENTS

Tacy Paul Roby, 301-951-4800, Tacy.Roby@calvert.com

DUNDEEWEALTH

Michael Berish, 610-854-0944, mberish@dundeewealthus.com

FIDELITY INVESTMENTS

Jeff Kulik, 301-518-1316 and Russ Kubie, 617-279-3492

Jeffrey.Kulik@fmr.com and Russell.Kubie@fmr.com

PUTNAM INVESTMENTS

Brad Pheeney, 617-760-7206, Bradford_Pheeney@putnam.com

FPA National Capital Area Newsletter Page 24 September 2013

2013 PREFERRED SPONSORS

ABERDEEN ASSET MANAGEMENT INC.

Christopher McDevitt, 212-776-9018, christopher.mcdevitt@aberdeen-asset.com

AMERICAN CENTURY INVESTMENTS

Wes Kabance, 703-402-6371, wsk@americancentury.com

AMERICAN FUNDS

Shakeel Barkat, Srikanth Vemuri and Andrew Moscardini, 877-421-5334

Shakeel_Barkat@capgroup.com, SXV@capgroup.com, and ANJM@capgroup.com

COLUMBIA MANAGEMENT

Jim Fisher, 571-217-0057, and Michael Lynn, 301-437-3141

James.Fisher@Columbiamanagement.com and michael.m.lynn@columbiamanagement.com

1st PORTFOLIO

Will Gaines, 703-401-0241, wgaines@firstphc.com

FPA National Capital Area Newsletter Page 25 September 2013

FOUNDERS FINANCIAL, INC.

Jim DeCarlo, 888-523-1162, jdecarlo@foundersfinancial.com

INVESCO

David Matheson, 202-510-2281, and Andrew Lill, 610-431-7595

David.Matheson@Invesco.com and Andrew.Lill@Invesco.com

IVY FUNDS

Brian Salcetti, 301-801-6704 and Mike Frank, 410-279-4554,

and Eugene Eignor, 703-266-8225

BSalcetti@IvyFunds.com and Mfrank@IvyFunds.com and Eeignor@IvyFunds.com

PIONEER INVESTMENTS

Garrett Pierce, 617-849-2371, garrett.pierce@pioneerinvestments.com and

Michael Mills, 804-869-6013, michael.mills@pioneerinvestments.com and

Nick Luise, 617-422-4763, Nicholas.luise@pioneerinvestments.com

FPA National Capital Area Newsletter Page 26 September 2013

SCHWAB ADVISOR SERVICES

Robert Ciullo, 703-506-8243, Robert.Ciullo@schwab.com

THORNBURG INVESTMENT MANAGEMENT

Dan Reilly, 877-215-1330, ext. 7299, Dreilly@thornburg.com

VIRGINIA 529

Lori Bennett, 804-225-3421, LBennett@Virginia529.com

2013 GOLD SPONSORS

ARTISAN FUNDS

David Fox, 800-454-1770, David.Fox@ArtisanPartners.com

FPA National Capital Area Newsletter Page 27 September 2013

BLACKROCK

Vivian Tsai, 415-670-4724 and Robert Faulkner

Vivian.Tsai@blackrock.com and Robert.Faulkner@blackrock.com

Kevin Tiernan and Stephen Degnan

Kevin. Tiernan@blackrock.com and Stephen.Degan@blackrock.com

CMG CAPITAL MANAGEMENT GROUP, INC.

Michael Sciortino, 610-989-9090, ext.122, michaels@cmgwealth.com

Joe Yoon, Joe@CMGWealth.com

COLE REAL ESTATE INVESTMENTS Brian Mackin, bmackin@colecapital.com

FLEX SHARES

Lori Missig, 732-492-7266, LM171@NTRS.com

JOHN HANCOCK MUTUTAL FUNDS

Daniel Cohen, 240-643-4571, dcohen@jhancock.com and

Kevin O’Regan, KORegan@jhancock.com

FPA National Capital Area Newsletter Page 28 September 2013

LORD ABBETT

Britton Busby, 201-827-2666, BBusby@LordAbbett.com

SECURITY BENEFIT

Todd Nelson, 919-576-4198, Todd.Nelson@securitybenefit.com

TAMRO CAPITAL PARTNERS

Michael Sahakian, 703-740-1013, Msahakian@tamrocapital.com

WILMINGTON TRUST

Joe Mondell, 443-721-6427, jmondell@wilmingtontrust.com

FPA National Capital Area Newsletter Page 29 September 2013

2013 SILVER SPONSORS

ALTMAN & ASSOCIATES

Gary Altman, (301) 468-3220, gary@altmanassociates.net

BELMAN KLEIN ASSOCIATES, LTD.

David Prensky and Adele Zilber, (410) 730-8242 x102, azilber@belmanklein.com

LIBERTY HOME EQUITY

Joseph Howard, 301-312-1963, Joseph.Howard@libertyhomeequity.com

KAPLAN

NICK SITZBERGER, 608-779-5599 Ext 2544, Nick.Sitzberger@kaplan.com

TD AMERITRADE

Raymond Adams, 804-364-2523, Raymond.Adams@tdameritade.com

FPA National Capital Area Newsletter Page 30 September 2013

The Financial Planning Association is the owner of

trademark, service mark and collective membership

mark rights in: FPA, FPA/Logo and FINANCIAL

PLANNING ASSOCIATION. The marks may not be used

without written permission from the Financial Planning

Association.

CFP®, CERTIFIED FINANCIAL PLANNER™ and

federally registered CFP (with flame logo) are

certification marks owned by Certified Financial Planner

Board of Standards Inc. and are awarded to individuals

who successfully complete CFP Board's initial and

ongoing certification requirements.

Past Presidents

Advisory Council (PPAC)

Gary Altman, JD, CFP Alexandra Armstrong, CFP

Tracey A. Baker, CFP U. Calvin Brown, MST, CFP

Glen J. Buco, CFP Elissa Buie, CFP

Jannet S. Carpien, CFP Stephan Q. Cassaday, CFP

Rita Cheng, CFP Nicolet V. Evans, CFP

Marjorie L. Fox, JD, CFP Inga B. Frank, CFP

Arthur M. Gelman, JD Barry Glassman, CFP

Eric Hess, CFP Clyde G. Hohenstein, CFP

Mark E. Johannessen, CFP Brian T. Jones, CFP

Timothy W. Jones, CFP Paul Juergensen, II, CFP

Glenn G. Kautt, CFP, EA I. Edward Markley, CFP

Jack May, CFP Edward O’Hara, CFP, EA

Christine Parker, CFP Michael J. Rebibo, CFP

Judy L. Redpath, AIF, CFP Sheldon E. Sacks, CFP

Karen P. Schaeffer, CFP Dana G. Sippel, CFP

Victoria M. Trumbower,CPA Anne Uno, CFP, EA

Richard E. Vodra, JD, CFP Barbara A. Warner, CFP

Marysue J. Wechsler, CFP

YEAR 2013: OFFICERS & DIRECTORS

PRESIDENT PRESIDENT-ELECT

Ryan Fleming, CFP®

202-887-8135 Helen Modly, CFP® 540-931-9051

Armstrong, Fleming and Moore, Inc. ext.232 Focus Wealth Management, Ltd.

SECRETARY TREASURER Dan Lash, CFP® 703-356-4360 Ken Robinson, CFP® 703-356-4380

Financial Network x703 Bernhardt Wealth Management

CHAIRMAN

Rita Cheng, CFP®

301-320-1457

Ameriprise Financial Services

BOARD OF DIRECTORS:

PROGRAMS CO-DIRECTORS PROFESSIONAL DEVELOPMENT CO-DIRECTORS

Kathleen Sindell, PhD 703-299-1700 Howard Pressman, CFP® 703-506-0843

GCSR,Inc Egan, Berger, Weiner, LLC

Bryan Beatty, CFP® 703-506-0843 Parker Trasborg, CFP® 703-425-0700

Egan, Berger, Weiner, LLC CJM Wealth Advisers, Ltd.

CHAPTER COMMUNICATIONS DIRECTOR GOVERNMENT RELATIONS DIRECTOR

Scott Peterson 703-722-6688 Joshua Halpern, CFP® 240-744-7125

Relay Station Social Media LLC Raymond James Financial Network, Inc

MEMBERSHIP CO-DIRECTORS SPONSORSHIP/MARKETING DIRECTOR

Jon Yankee, CFP® 703-889-1104 Mitchell Berlin, CFP® 301-263-8508

Fox, Joss & Yankee, LLC. Ameriprise Financial Advisors

Jeff Kulik 301-518-1316 NEX GEN LIAISON and MENTORING DIRECTOR

Fidelity Investments Laurie Belew, CFP® 703-889-1111

Fox, Joss & Yankee, LLC.

PUBLIC RELATIONS CO-DIRECTORS FACILITIES & SOCIAL EVENTS CO-DIRECTORS

Scott Peterson 703-722-6688 Chris Rivers, CFP® 202-887-8135

Relay Station Social Media LLC Armstrong, Fleming & Moore, Inc

Tracey Baker, CFP® 703-425-0700 Michael Nester 703-871-7346

CJM Wealth Advisers, Ltd. Access National Bank

DIRECTOR AT LARGE EXECUTIVE DIRECTOR Augie Zullo 703-871-1344 Peggy Nelson 703-620-1712

Access National Mortgage FPA National Capital Area

PRO BONO CO-DIRECTORS ADMIN ASST

Tacy Paul Roby, CFP® 301-951-4800 Ellen Ayeri

Calvert Funds

Tommie Monez, CFP® 540-931-9051

Focus Wealth Management, Ltd..