spring 2012 a multiple award …...hotel. philadelphia, pa annual spring symposium: may 14, 2012....
TRANSCRIPT
FPA Philadelphia Tri-State Area P.O. Box 38 Fairless Hills, PA 19030 215.295.0729 www.fpaphilly.org
www.fpaphilly.org Spring 2012
The primary aim of the Financial Planning Association is to be the community that fostersthe value of financial planning and advances the financial planning profession.
Mark Your CalendarsMarch Quarterly Meeting: March 20, 2012. Embassy SuitesHotel. Philadelphia, PAAnnual Spring Symposium: May 14, 2012. Penn StateGreat Valley Conference Center. Malvern, PA.June Quarterly Meeting: June 12, 2012. Cira Center.
Keep the Ball Rolling
By definition, to keep the ball rolling is to con-tinue or give renewed vigor to an activityalready under way. Many presidents before mehave advanced our presence and have workedhard to get us to where we are today. I serve
as president in 2012 after serving in pro bono and media rela-tions/public awareness. As a board member, I have had theprivilege to meet and work with some of the greatest of pro-fessionals, each talented and giving of their time to help themany initiatives we have supported in both our membershiporganization and the community.
So often we anticipate a reward for the acknowledgment of ourefforts. For our time, we expect fame and recognition. For sac-rifice and kindness, we secretly expect acceptance and admira-tion. Not so with the FPA Philadelphia Tri-State Area boardmembers. We are a diverse and innovative group comprised ofprofessional individuals sharing a common goal and commit-ment in providing the highest level of service to our membersand expertise to the people of our surrounding community.The difference is, we do it with heart.
Our chapter is highly respected at the FPA national level. Therespect that has formed translates into the obvious: we standfor certain values that go to the very core of our being. Wehave won awards, established relationships with like-mindedorganizations and professionals, and have listened to what ourmembers want - quality programs and resources that foster thevalue of financial planning and help to advance the professionand practice of financial planning.
In 2012, simply stated, we will continue to serve. In mimick-ing the strategic plan developed at the national level (in whichwe played a great part), our primary aim consists of:
Our Members: to deliver superior member valueOur Profession: to be the authoritative sourceOur Society: to serve as the credible voiceOur Organization: to optimize organizational performance
Our strategic plan is voluminous, our initiatives are collabora-
tive, but even more importantly, our energy is infinite. We areexpanding and quantifying specific tasks and goals. Opportunitiesrange from "doing one thing" to steering a large committee. Thisyear, a focus has been placed on organizational proficiency and suc-cession planning.
Todd Beamer (1968 - 2001) was a passenger on United AirlinesFlight 93 when it was hijacked on September 11, 2001. He wasaccorded hero status in the USA when it was discovered that he hadhelped organize an attempt to regain control of the plane from thehijackers. His last audible words, overheard during a phone call,were: "Are you guys ready? Let's roll." Our primary goal is to "keepthe ball rolling". In speaking for all of us serving on the 2012 board,we welcome and encourage all of our members to help maintain ourprogress as we continue to do what has already succeeded.
- Catherine Seeber, CFP®President
A Multiple Award Winning Chapter
What’s InsideAnnouncements................................3
Quarterly mtg. registration form.....6
Human Resources............................9
Education Report............................10Study Groups...................................11Public Awareness................. ...........13Pro Bono .........................................15
Members Caught on Camera ........16New Members.................................18
TreasurerTimothy Carroll, CFP®, CPA, MT(267) [email protected]
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2012 Board of DirectorsChairmanMark Rioboli, CFP®
(484) 321-5406 [email protected]
VP - Public AwarenessPaula Nangle, CFP® , MBA,MS(215) 348-9393fax (215) [email protected]
DIRECTORS-AT-LARGE
VP - Government RelationsKevin Coughlin, CMFC®, AAMS®
(610) 504-4183fax (312) 244-8137 [email protected]
Chapter AdministratorChris Stewart(215) 295-0729 fax (215) [email protected]
VP - Pro Bono
OFFICERS
PresidentCatherine Seeber, CFP®
(215) 979-1642fax (215) [email protected]
President-ElectWilliam Suplee IV, CFA,CFP®, ChFC®, CASL(610) 648-0700fax (610) [email protected]
Website MaintenanceDebbie Yarosh(484) [email protected]
Michael Clancy, CFP®, CLU, CCPS(215) 579-5760fax (215) [email protected]
Newsletter EditorKelli Mucci(267) [email protected]
VP - Human ResourcesWilliam G. Love, CFP®
(215) [email protected]
Eric Daugherty, CFP®, CPA(610) 415-9936 [email protected]
VP - DevelopmentScott Bombeck, CFP®
(610) [email protected]
SecretaryVincent R. Barbera, CFP®(610) 892-9900fax (610) [email protected]
VP - Education/ProgramsRichard Durso, CFP®,AEP®
(215) [email protected]
John Kilroy, CFP®, CPA(610) 503-0943fax (610) 935-9276 [email protected]
Paul Binnion(215) [email protected]
Christopher Bertram, CISR(215) [email protected]
Dave Hoyer, CFP®
(215) [email protected]
Natasha Johnson(267) [email protected]
Michael Mills(484) 534-2644, Ext. [email protected]
Sameer Somal, CFA, CFP®
(202) [email protected]
Announcements
Thirty Years
Mr. Allen A. Osgood
Twenty Years
Mr. Walter Z. FletcherMr. Theodore HoroschakMr. Theodore G. Rothman
Fifteen Years
Mr. Mark C. AmstutzMs. Rosemary G. CaligiuriMr. William J. ChristyMs. DeVon Williams DanielsMr. John D. JimMr. George A. NemesMr. Boris PadamsMr. Irvin W. Rosenzweig
Ten Years
Mr. Joseph J. DeSipioMr. Michael J. GarryMs. Anna C. HamiltonMrs. Charlotte A. Hartmann-HansenMr. William H. KantnerMr. Marc J. LowenbergMr. Richard T. TattoryMr. John A. UngermanMr. Charles Welde
Membership Milestones!
Members Reach Longevity Milestones with FPA!!
We congratulate the following members for reaching longevity milestones fromJanuary through March of 2012 with the FPA and thank them for their continued
support and participation in our Chapter.
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Five Years
Mrs. Marilyn A. BanyaiMr. Jeffrey P. HagertyMr. James A. HeislerMrs. Carol D. JavageMr. William T. Reynard
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Announcements (continued)
In Memoriam
As some of you may or may not know, Al Marland passed away in his sleep last week. Al was a staunch sup-
porter of the ICFP and then the newly formed FPA in 2000, having held various board positions in both organ-
izations including 2 years as Treasurer for FPA Philadelphia Tri-State, one year as President-Elect and finally
President in 2003. Al was devoted to the profession and the organization, spending countless hours serving as
a volunteer and helped grow our chapter.
Fellow FPA member and former board member Bob Hartfield, who served with Al, had this to say…“Our ICFP & FPA board meetings were never dull if Al was present. Al was always there, ready tohelp. Al had a distinctive voice and a distinctive presence. His generosity with his time and attentionto our association are legendary. I have been amazed to hear of other organizations where Al wasequally engaged. Al was a good family man with a good sense of humor. He will be missed.”
The officers and directors of the FPA Philadelphia Tri-State Chapter join in extending their deepestsympathy to the family and friends of Al Marland.
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REGISTER NOW!!
Quarterly Meeting - March 20, 2012Embassy Suites Hotel Philadelphia Airport
9000 Bartram AvenuePhiladelphia, PA 19153
4:00-5:00 pm - Networking/Cocktails/Heavy Hors d'oeuvres5:00-7:15pm - CE Presentations
Two CFP® CE Credits Approved - Two PA Insurance CE Credits Pending
We are pleased to announce that Bob Keebler and Dee Dee Chadwick will be the featuredspeakers for our March 20th education event.
Annuity Contract Ownership - Annuitant Driven ContractPresented by Dee Dee Chadwich, JD, Nationwide Financial
This presentation will cover the details regarding annuity contract ownership with a focus on the annuitant drivencontract. Discussion will review the phases and types of contracts, the parties involved, the roles and rights of thebeneficiaries and various riders available. We will cover the different types of death benefits and the commonannuity contract structures.
Top 10 Estate Planning Ideas for 2012Presented by Robert S. Keebler, CPA, MST, AEP (Distinguished), Partner, Keebler &
Associates, LLP
Whether you're an attorney, CPA, financial advisor or insurance agent, we've put together a very special presenta-tion that will quickly and simply bring you up-to-date with the top 10 estate planning ideas today, after the 2010 TaxAct. N By the end of the meeting you'll have a great estate planning checklist you can implement right away.Topics discussed include:
• Roth IRA Conversions• Lifetime Gifts• Dynasty Trusts• Installment Sales• Grantor Trusts• Grantor Retained Annuity Trusts• CRTs and CLTs• Split-Dollar and Other Estate Tax Financing Strategies• Defined Value Transfers• Stretch-IRAs
Continue to page 7 for registration form
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REGISTRATION FORMMarch 20, 2012 Meeting
Name:___________________________________Company:_______________________________
Phone:_________________________Email:____________________________________________
FEES_____Member: $50 _____Pre-Pay: $160 (Pay for all 4 remaining education meetings now and save $40!)_____Non-Member: $80
Please make check payable to FPA Phila., and mail with registration form to: FPA Phila., P.O. Box 38,Fairless Hills, PA 19030. 48 hours cancellation notice required for refund. No-shows will be billed.
If paying by credit card, please register online at www.fpaphilly.org.
Registration Flyer continued
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Human Resources By: William G. Love, CFP®
Vice President – Human Resources
To our fellow FPA Philadelphia Tri-State members:
We have all heard the saying, “It takes a village to raise a child.” The same could be saidfor a membership committee!
We think it is important for you to know who makes up that village and what responsi-bilities they hold in helping raise up your chapter.
The following people below should be recognized and applauded for their efforts:
Relationship Managers: Kevin Coughlin, Chris Bertram, Sameer Somal, DJ French and DarrylGrayson - These relationship managers are reaching out to the membership to listen, inform, and addressmembers’ questions and concerns.
Communication Directors: Michael Clancy and Adam Reinert – Mike has currently set up the chap-ter for Linked In and will be representing the chapter at the CFP® test this month. Also helping as aCommunication Director is Adam Reinert who will be representing the chapter at a CFP® Review Coursein the future.
Undergraduate College Student Liaison: John Nauss – John has been forming relationships with localuniversities and cultivating the next generation for our chapter.
Associate Professional Outreach Directors: Chris Bertram and Steve Glenn – Chris has been coor-dinating a networking event with ASPPA Benefits Council (details on page 5). Also helping as an AssociateProfessional Outreach Director is Steve Glenn. Steve has formed a relationship with the PhiladelphiaEstate Planning Council and is discussing ways to partner up for events in the future.
Please share any ideas, thoughts and suggestions on how to best raise our chapter to new heights.
Those of us with children know that you can never have a big enough village!
Continued Success,
William G. Love, CFP®
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Education Report By: Rich Durso, CFP®
Vice President – Education
We kicked off 2012 with keynotespeaker Mitch Anthony. We willcontinue the year with some moregreat speakers. Here is our remain-ing line-up for 2012:
Enjoy top-notch speakers and networkingwith the FPA in 2012
• March 20th - Evening meeting at the PHLAirport Embassy Suites Hotel. Keynote speaker:Bob Keebler. Sponsored by Nationwide with theirspeaker Dee Dee Chadwick.
• May 14th - Annual Spring Symposium at thePenn State Great Valley Conference Center inMalvern, PA. Keynote speakers: Nick Murray, DanMillman, Sandy Schlesinger, JT Hatfield Smith,Susan Zimmerman, Luke Tilley, and many more.Sponsored by Dundee Wealth Management.
• June 12th - Breakfast 8am meeting at the CiraCenter. Keynote speaker: Dr. Jeremy Siegel.Sponsored by First Trust Advisors.
• July 18th - Lunch meeting at Hibachi JapaneseSteak House on Delaware Ave. Keynote speaker:Natalie Choate.
• September 11th - Annual Fall Retreat at theGreen Valley Country Club. Ethics led by BrettDanko. Keynote speaker: Craig Israelsen.Sponsored by Clark Capital Management.
• November 13th - Evening meeting at theConshohocken Marriott. Keynote speaker: RossLevin. Sponsored by Schooner Funds.
* Please visit http://www.fpaphilly.org/ for addi-tional information.
Rich [email protected]
FPA-FTSA STUDY GROUPS
The FPA Study Groups offer all membersan opportunity to meet and interact withother members as well as to obtainContinuing Education credits.
To continue to improve the content of ourmeetings, please contact the Study GroupLeader in your geographical area aboutfinancial topics that interest you. Also,please provide the names of people thatwould like to make an educational presen-tation to our Study Groups.
Study Groups
Center City, Philadelphia Area GroupAmira Adams or Richard J. Busillo, CFP®
RTD Financial Advisors215-557-3800
30 South 17th Street, Philadelphia, PA [email protected]
HELP WANTED
Allentown Delaware
JenkintownSouth Jersey
We are looking for GroupLeaders for the above groups.
If you are interested, please contact Chris Stewart at [email protected]
Main Line GroupJoseph P. Halpin, CFP®
Location: Planco/Hartford1500 Liberty Ridge Drive
Wayne (Chesterbrook), PA 19087
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IMPORTANT CE CREDIT INFO!
Since January 2005, we have been required to report all CE credits electronically to the CFPBoard of Standards. We are having difficulty with this process because members are notproviding the necessary information.
For CFP CE Credits. We must have the last four digits of your Social Security Number.
There has also been a change in the reporting process of CE credits for the PA Department ofInsurance. Social Security Numbers are no longer accepted for reporting. Please provide yourPA Insurance License Number when applying for credit.
It is quite time-consuming for our administrator to follow-up with attendees to obtain the cor-rect information. Help us help you by being prepared and having this information when youare applying for CE credits.
Dear Members,
Signs of Spring are in the air and we are quickly approaching the end of the first quarter of2012! It seems like it was yesterday that we were putting together the strategic plans for thePublic Awareness Committee for 2012.
Our mission is to increase the awareness about the value of financial planning, the financialplanning profession, and FPA. By creating unique and valuable financial planning resources,
we hope to help individuals understand the benefits of financial planning, showcase our members as expertsin financial planning, and facilitate connections between our members and consumers.
I invite you all to visit the consumer site of the National FPA site www.fpanet.org and check out the treas-ure trove of FREE resources available. Help us share the valuable information and resources with yourfriends and family. Encourage them to sign up for the free newsletter, check out the tip of the week orrequest a free Financial Roadmap.
As a member you have the opportunity to contribute your expertise to the consumer website as well as helpus on a local level by increasing the awareness about the value of financial planning and the financial plan-ning profession. On an ongoing basis, our members are responding to media queries, contributing consumercontent for the website, and serving as a resource for local organizations and the media. We will soon begearing up for our Third Annual Financial Planning Day and will need your help again this year to make it aneven bigger success!
I look forward to seeing you at our next awesome chapter meeting on March 20th!
Paula [email protected]
Public Awareness By: Paula Nangle, CFP®, MBA, MSVice President – Public Awareness
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Message from FPA Member Paula Nangle, CFP®and FPA Retreat Task Force Member
FPA RetreatMay 5-8, 2012 - Scottsdale, Arizona
Where Tomorrow Starts...
For this year's Retreat conference, registration is now open, the website is up, and the program schedule is available for your review. If you've never been to a Retreat conference, youowe it to yourself to at least check out the programming and schedule.
Since 1981, Retreat has been known as THE advanced planning conference - a place where the Art &Science of Financial Planning come together. To me, Retreat is the place where the best financial plan-ners I know go to learn from, and interact with, the best financial planners they know.
The theme of this year's Retreat is "Trust, from the Inside Out." It's a phrase meant to capture both theemotional and, as it turns out, chemical underpinnings of trust, AND at the same time provide a frame-work within which to begin exploring and building Trust - not only in terms of acquiring Trust of others,but also in terms of how we go about developing Trust in others, and in and of ourselves.
Nesting within this theme, we're offering three session tracks. A technical track with the usual suspectslike tax & estate planning, investment planning, sessions on Social Security, etc. The technical track iswhere we'll be exploring trust as it relates to our own professional competencies and ethics. We've got anexperiential track where we'll explore trust from the client's perspective. We have the latest on decisionscience and how to help clients expand their comfort zones and decision making abilities. And a futurethink track where we'll explore the future of planning and delivery of advice in the digital age, the break-downs in trust that were brought about by a rapidly changing marketplace, and how to cope with seem-ingly endless regulatory pressures and competition from disparate & disruptive technologies.
As if all THAT weren't enough, we've got a keynote address by Margaret Heffernan, author of WillfulBlindness. She will be speaking about trusting our judgment and our perceptions of the world we live in;how we learn to trust others, and how to better determine who to trust. Another speaker will be MoiraSommers, a neuropsychologist out of Winnipeg who has worked with the NFL players association and isan expert on that moment in the relationship where clients seem stuck and just won't implement. I'll trynot to spoil it for you but it turns out that moment is an important point in any relationship built on trustand a necessary part of the decision making process itself. Our closing general speaker is a Yale profes-sor named Daylian Cain. His research and expertise is focused on bias, overconfidence, and self- decep-tion... ours that is ... and what we can do to overcome it.
If you've never been to Retreat, this is THE year to check it out!
Remember to sign up by March 23rd to save $100 on registration and get the best rooms. I hope you'lljoin me there so that we can have a great Philadelphia Tri-State chapter showing!
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A Financial Planner’s Care ProgramA Pro Bono Service
By: Eric Daugherty, CFP®, CPAVice President – Pro Bono
The Pro Bono team is expanding and is primed for 2012. Most recently, we have added threeplanners to our stable of about twenty regular volunteers. And, we have deputized two mem-bers to lead specific initiatives key to Pro Bono success.
The Pro Bono team stepped up to the effort in late December to help Sunoco and Conocoemployees who may be impacted by upcoming layoffs. On very short notice, we mobilized
almost forty planners to the event to deliver presentations and one-on-one counseling sessions. While theattendee turnout was lighter than we would have liked, the massive volunteer turnout spoke to the generosi-ty of our membership and our profession.
Pro Bono volunteers continue to staff events and presentations for our key community-based partners. Mostrecently, Vince Barbera stepped in to do ad hoc one-on-one counseling for a JEVS client; Clarifi (formerCredit Counseling Service of Delaware Valley) has received separate presentations on Estate Planning fromCaity Kennedy, Scott Bombeck, and Jim Heisler; Don Marchesiello delivered a Beginner Investing session tothe Pledging Tree Foundation, and Caity Kennedy continues to work with Operation Hope, teaching in theclassroom.
For 2012, we have reconsidered the scope of Pro Bono services and determined that financial education is inscope. Previously, we had focused on supporting organizations helping adults in need of financial planningservices. Hopefully, using some of our talents to address students will proactively insure that they do notbecome those adults in need down the road.
Most importantly, we have lined up “volunteered” deputies to spearhead two of our three key sub-teams:
1. Expand Pro Bono team coordinating with Membership committee – still resides with Eric Daugherty.We are looking for a deputy – if you can help, please contact me.
2. CBO (Community-Based Organizations) Coordinator – solicit and vet new partners – NatashaJohnson.
3. Content Archivist – insuring we can archive, index, and reuse key content/slides, etc. – Eric Bruskin.
Huge thanks to Natasha and Eric for agreeing to take on these roles.
Please consider joining the Pro Bono team. To express interest, or if you have ideas or suggestions, pleasefeel free to contact me.
Eric [email protected]
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FPA-PTSA: Members Caught on Camera!
January Quarterly Meeting - January 17, 2012
Our first Education Meeting on January 17th was a huge success! Over 100members were in attendance to hear from Morningstar and keynote speaker,Mitch Anthony. Mitch remained after the meeting to sign books for the attendees.
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The Benefits of FPA-PTSAMembership Just Got Even Better!
The Board implemented a new rate sched-ule for advertising in the QuarterlyNewsletter. All members receive a
50% discountfrom the regular advertising rates!
Members may also place classified ads inthe Newsletter & on the FPA-PTSA website
FREE!
FPA-PTSA 2012 Regular Advertising Rates
50% DiscountAd Size Non-Member Price Member Price
Full Page $600 $300
1/2 Page $300 $150
1/4 Page $150 $75
Full Page (4X) $2000 $1000
1/2 Page (4X) $1000 $500
1/4 Page (4X) $500 $250
* For more information about advertising, please contactChris Stewart at [email protected] or (215) 295-0729.
FPA-PTSA OFFERS YOU ANOTHER MEMBER BENEFIT!!
In addition to the Insurance benefit already offered to our chapter members, we now offera deep discount on products through our partnership with CCH. Read all about it below.You can also access these benefits by visiting our web site at www.fpaphilly.org. Click onthe Members link at the top of the page and then click on the Product and ServiceDiscounts link.
The FPA Philadelpha Tri-State and CCH have teamed up to offer you a helpful newmember benefit that provides a 30% discount on any of the more than 175 CCH pro-fessional titles, including Financial & Estate Planning Guide, Master Tax Guide, MasterEstate & Gift Tax Guide, Wealth Management, Asset Protection Planning Guide,Investment Tax Planning, Charitable Giving Answer Book, and many more.
Just click the link below, read the instructions and use Y5768 as your priority discountcode at Checkout to get the 30% discount.
Questions? Just call Chris Stewart at 215-295-0729.
http://tax.cchgroup.com/members/fpaphilly
Stay tuned for additional new Health Insurance Benefits Packages for FPA-PTSA members!!!!
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Internships
Welcome New Members
Please let us know if you are in need of anintern, or if you know any interns whowould like to work in the financial servicesindustry. FPA-PTSA is pleased to post anynotices free of charge. Please email:
Michele L. Ahwash, CFP®, Tiedemann Trust Company
Paul Binnion, Clark Capital Management Group
Jeremy C. Brenn, CFP®, Sensenig Capital Advisors
Megan Brogna, MetLife Bank
Christopher Celusniak
Michael J. Contorno, CFP®
Nicholas Dawit
John Egan
Steve P. Erfle, CFP®, United Capital Private Wealth Counseling
Laura Fontana, CFP®, ChFC, Ameriprise Financial Services, Inc.
Chad Friedman, CFP®, CRPC, Wells Fargo Advisors
Derrick Handwerk, Handwerk Wealth Advisory
Terri Hilley, USAA
David A. Kring, CFP®, Conestoga Wealth Management
Todd A. Little, Kemp & Associates Retirement Services
Lauren P. Long, CFP®, Threshold Group
Peter J. May, JD, LLM, CFP®, CPA
Greg McDermott, MetLife - Reverse MortgageTeam
Derek Menaldino, Main Line Financial Advisors,LLC
Danielle Page, Raymond James
Gregory J. Roberts, Morgan Stanley Smith Barney
Barry A. Rucks, Barry A. Rucks & Associates
Jessica Louise Schlener, Legacy Planning Partners
Julie Shickel, CFP®
Justin Slusarski
Volanda Smalls
Richard M. Welch, Jr., Academy Wealth Advisors
Susan A. Whitesell, Janney Montgomery Scott
Michael Zelinsky, Allstate
Classified AdsAll Classified Ad postings are free to members of FPA-PTSA.
Let us know if we can help you advertise. Send an email to:
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Long-term Disability Insurance at a Group DiscountThe FPA group long term disability policy is a one-of-a-kind disability program. Group rates areavailable to you as a member of FPA. Guaranteed issue acceptance is offered to new FPA mem-bers when applying within 60 days of joining FPA.
The policy is underwritten by Standard Insurance Company, an industry leader in the disabilityinsurance market. This is Standard's Enhanced LTD Plan:
Following a 90-day elimination period, tax-free benefits of 60 percent of income to a maximum of$6,000 per month can be received if disabled from your own occupation or if you suffer a 20 per-cent loss of earnings from a covered sickness or injury. Benefits can be paid to age 65 and canbe adjusted by a built-in inflation adjustment.
In addition to the monthly benefit, an annuity contribution benefit (7 percent of pre-disability earn-ings\$5,000 per month maximum) can be paid to help save for retirement and a long term carebenefit (20 percent of pre-disability earnings\$2,000 per month maximum) can be paid to helpcover assisted living expenses.
For free quotes, applications, and detailed policy information, please visit www.associationinsurancebenefits.com.
More information is available on our chapter’s website at:
http://www.fpanet.org/professionals/Membership/DiscountInsurancePrograms/DisabilityInsurance/
Janielle LucasRelationship Manager
Schooner Investment Group, LLC 150 N. Radnor Chester Rd., Suite F-200
Radnor, PA 19087 610-977-2090
THANK YOU2012 GOLD SPONSORS
Eleana McLane, CIMA Regional Vice President
Institutional Consulting GroupNationwide Financial
(908) [email protected]
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John O’SullivanFirst Trust Advisors 120 E. Liberty Drive
Suite 400 Wheaton, IL 60187
Kevin CoughlinMorningstar
22 West Washington StreetChicago, IL 60602
Paul BinnionClark Capital Management Group
One Liberty Place1650 Market Street, 53rd Floor
Philadelphia, PA 19103215-569-2224800-766-2264
THANK YOU2012 PLATINUM SPONSOR
Sameer S. Somal, CFA, CFP®
DundeeWealth US, LP1160 West Swedesford Rd., Suite 140
Berwyn, PA 19312610-727-0019
THANK YOU 2012SILVER SPONSORS
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David BenglianSaint Joseph’s University
5600 City Ave. Philadelphia, PA 19131
Bill Dougherty, CFAInvestment Research GroupThe Hartford Mutual Funds
Paul LinkoPayden & Rygel Investment Management
333 South Grand Avenue Los Angeles, CA 90071
Gary HoenigPutnam Investments
P.O. Box 8383 Boston, MA 02266-8383
Theresa StasnyChartis Insurance
180 Maiden Lane, 27th Floor New York, NY 10038
Nick Maningas Reverse Mortgage Consultant
NMLS #418895MetLife Home Loans,
A Division of MetLife Bank, N.A.Phone: 610-202-7847FAX: 908-663-2582
Stephanie MackaraPalladiem LLC
7 Great Valley ParkwaySuite 295
Malvern, PA 19355610-613-6452