FPA San Diego’s outstanding programs and educational events are made possible through the sponsorship of these supporting businesses. These companies don’t just contribute funds to assist our organization. They offer knowledge, expertise and products which may help our practices and our clients. Please show your support by exploring how these auxiliary businesses may assist you.
We are very thankful to our Platinum, Gold, and Silver Sponsors for bringing value to our members.
2010 PLATINUM PARTNERS
Bert Morrison - Spectra Funding
FPA San Diego Platinum Partner
 "We Make Home Loans Easy"
Hello! I am pleased to be associated with the Financial Planning Association of San Diego, and the opportunity to serve you. My business comes to me by personal referrals. My commitment is to serve all of my clients in with speed, accuracy, and with integrity.
My entire career has been within the field of mortgage lending. I am a Senior Lending Officer with Spectra Funding, a national mortgage banking firm headquartered right here in San Diego County. Previously I owned and operated Quality Funding Group, a professional mortgage brokerage, for 21 years.
Prior to owning Quality Funding Group I served in senior management positions with three national mortgage banks, including Palomar Financial, Shearson American Express Mortgage and AmeriStar Financial. My depth of experience is a valuable asset in the effective counseling of new and existing mortgage clients.
I am a proponent of financial planning and financial literacy.
I have the privilege of being a Platinum Resource Partner with the Financial Planning Association of San Diego. Over the years I have had my own radio program on KPRZ and I conduct numerous seminars and workshops on the home-buying process, mortgage qualification and credit scoring. I hold a Degree from San Diego State University in Economics and Finance.
Spectra Funding is a direct lender which means that we make our own lending decisions and we fund our own loans. This allows us to provide swifter and more accurate service levels. At Spectra Funding we offer a full range of mortgage products including conventional home loans for purchase or refinancing plus FHA and VA loans. We also offer maintain specialties with first-time buyer loans and Reverse Mortgage Loans for seniors. We are here to help!
I invite you to check our blog and podcasts at http://www.BertMorrison.com.
Whatever your needs, I can help.
You can reach me at 858-485-6100 x 106 or via e-mail at Bert@BertMorrison.com.
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The Biz Sherpa
FPA San Diego Platinum Partner
 How can you develop the support, structure, and tools to carry you to the next level of success? Join the elite group of high-powered advisors who have adopted coaching as an essential ingredient in their practices. “Biz Sherpa” Peggy Mengel has spent 27 years helping financial advisors achieve top marketing, sales and management performance. She understands your business and your challenges and can help you create more sustainable energy, make better decisions, and restructure your professional and personal life for maximum productivity and fulfillment.
You and The Biz Sherpa will become a team, focusing on your goals, needs, and values to accomplish much more than you would alone. The guidance and motivation gained from coaching will allow you to discover exciting possibilities, unlock your potential, and be the success you were meant to be!
Take the first step now! Schedule a complimentary 30-minute coaching session with The Biz Sherpa. Call Peggy Mengel at (858) 485-1001 or e-mail at peggy@thebizsherpa.com.
For more information, visit my website at www.thebizsherpa.com.
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DenHerder & Associates
FPA San Diego Platinum Partner
 DenHerder & Associates is an established estate planning and probate practice committed to:
Protecting Families
Preserving Assets
Providing Peace of Mind
We meet these goals by educating our clients on the types of estate planning tools available to them and designing a plan to protect their family from probate, litigation, taxation, and sensitive family dynamics. We offer peace of mind on difficult issues of life and death or guardianship for young children. We offer creative solutions to difficult issues such as blended families, heirs with challenges such as substance abuse, controlling spouses, harmful spending habits, or ensuring pets are provided for. We offer an atmosphere of trust, confidence and highest quality service at an affordable price.
For more information, please contact Stacy L. DenHerder at (858) 271-6244 or e-mail sdenherder@denherderlaw.com
Visit our company web site at www.denherderlaw.com or www.smartestateplan.com
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Rancho Santa Fe Insurance
FPA San Diego Platinum Partner
Rancho Santa Fe Insurance and Financial Services is San Diego's largest homeowner and automobile insurance agency, representing Fireman's Fund, AIG Private Client Group and Chubb.
Rancho Santa Fe Insurance is an independent agency, which allows us to represent a select number of companies that specialize in the affluent market at the most competitive prices.
Visit our company web site at www.rsfinsurance.com
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2010 GOLD PARTNERS
Allianz Global Investors Distributors, LLC
Barney & Barney
Charles Schwab Advisor Services
Chuck Helsel - US Bank Mortgage
Cost Segregation Services Inc
Polycomp Administrative Services
Symetra
Torrey Pines Bank
Total Rebalance Expert (TRX)™
University of San Diego - Planned Giving
Allianz Global Investors Distributors, LLC.
FPA San Diego Gold Partner
Allianz Global Investors Distributors, LLC is one of the largest asset management companies with more than $760 million under management as of 12/31/08. The Allianz Funds represent a wide range of stock investing strategies, including growth and value, small, mid and large cap, domestic, international and sector-specific portfolios.
The funds are managed by Allianz Global Investors Distributors, LLC institutional equity managers - a select group of firms such as NFJ Investment Group L.P., RCM Capital Management LLC, Nicholas-Applegate Capital Management LLC, Oppenheimer Capital LLC, and Cadence Capital Management LLC* who offer specialized expertise within well-defined investment disciplines.
* Cadence Capital Management, which manages certain Allianz products, is an independently-owned investment firm.
For more information, please contact Raad Taha at 212-739-4289 or e-mail raad.taha@allianzinvestors.com
Visit our company website at www.allianzinvestors.com
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Barney & Barney
FPA San Diego Gold Partner
Barney & Barney, a B&B Company, is a full service insurance brokerage and consulting firm which has been providing insurance, risk management and employee benefits solutions for nearly 100 years. Headquartered in San Diego, Barney & Barney joined forces with Saylor & Hill Company of Oakland, California in May 2008 to form B&B Company. Both companies maintain their original names while representing the combined strength of B&B Company, an industry leader in innovative insurance solutions and customer service.
Barney & Barney is one of the largest Employee Benefits brokerage and consulting firms in California in terms of number of associates, revenue and volume of premium. We are a California Limited Liability Company (LLC) employing over 300 dedicated associates and are privately owned by 32 active Principals. Service is delivered by client teams that provide expertise, responsiveness and cost-effective solutions focused on the particular needs of each client. Our associates work as insurance consultants to the client’s management team, providing practical, innovative solutions, as well as sound advice. Our firm is organized into five operating divisions:
· Small Business Division
· Personal Lines
· Commercial Property & Casualty
· Employee Benefits
· Programs Group
As a full service insurance brokerage and consulting firm, we are able to address all of our clients’ insurance needs.
For more information please contact Jeff W. Simpson at (858) 587-7579 or Email: jeffs@barneyandbarney.com
Visit our website at: www.barneyandbarney.com
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Charles Schwab
FPA San Diego Gold Partner
About Schwab Advisor Services
Since 1987, Schwab has supported independent investment advisors by offering support and services to help advisors grow their businesses and help their clients reach their financial goals. As of June 30, 2009, client assets custodied with Schwab Advisor Services stood at $505 billion. These assets, managed by over 6,000 independent advisor firms Schwab currently serves, represent approximately one-third of total client assets custodied with The Charles Schwab Corporation. Schwab Advisor Services (formerly Schwab Institutional) is a business segment of The Charles Schwab Corporation and is a leading provider of custodial, operational and trading support for independent investment advisors.
For more information, please contact Grace Schlichter, CIMA at
grace.schlichter@schwab.com or (949) 720-4956.
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Chuck Helsel - US Bank Mortgage
FPA San Diego Gold Partner
 To most people, their mortgage is likely to be their largest single debt. It is an important component of overall and short-term financial goals. As their financial planner, you have spent a tremendous amount of time and energy gaining your client's confidence to become a trusted advisor. It is imperative that I continue that level of professionalism when dealing with your clients. With 20 years in the mortgage industry, I look forward to working together to help your clients make smart mortgage decisions. Decisions that are tailored to their specific financial plan. Here is what a recent referral of a financial planner had to say about working with my team, "I cannot speak highly enough for the balance of professionalism, promptness, personal attention and personal caring of The Helsel Team."
For more information, please contact Chuck Helsel at (858) 720-7014, fax (858) 720-7073,
cell (619) 261-4655 or e-mail chuck.helsel@USbank.com
US Bank Home Mortgage Address: 5787 Chesapeake Court, Suite 102, San Diego, CA 92123
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Cost Segregation Services Inc.
FPA San Diego Gold Partner
 Cost Segregation Services, Inc., a leader in the cost analysis field of commercial real estate, provides services and reports which allow commercial property owners to save thousands in federal income tax.
We have found this to be an invaluable tool to financial planners when analyzing clients’ cash flow and preparing their investment strategies for the coming tax year.While most accountants are familiar with cost segregation, very few have been able to offer this increased cash flow to their clients due to the numerous intricacies of the IRS designated building components schedule. This new tax law requires a detailed report from a professional engineering firm with expertise in structural and construction engineering.
Cost Segregation Services, Inc. has hundreds of engineers and professional agreements with firms throughout the nation and has completed over 2,000 studies. Although it is vastly under-utilized, cost segregation is no wildly speculative accounting tool. It is a conservative, yet powerful technique for generating federal tax savings by properly applying tax regulations to depreciate commercial real estate.
For more information, please contact Robert Plomgren at 858.792.7810 or e-mail him directly at RPlomgren@costseganalysts.com
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Polycomp Administrative Services
FPA San Diego Gold Partner
Polycomp has emerged as a leader in providing personal service and focused guidance for Retirement Plans, Cafeteria Plans, Self-directed IRAs and Association Trusts.
With over 30 years experience working with employee benefit plans, Polycomp has come to know exactly what´s needed for an effective, glitch-free plan.
Visit our company web site at www.polycomp.net
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Symetra
FPA San Diego Gold Partner
We’re a company with the vision to see great things ahead and the experience to know how to reach for them.
Great things like...
Offering competitive income annuities that help seniors generate retirement income they will never outlive.
Creating an innovative wealth transfer option that helps keep clients in control of their assets.
Building a no-frills, value-priced variable deferred annuity that features popular exchange traded funds (ETFs) and indexed sub-accounts.
With roots dating back to 1957, Symetra Financial has grown to become a family of companies that together serve approximately 1.7 million customers in all 50 states. Symetra Financial is owned by an investor group led by White Mountains Insurance Group Ltd. and Berkshire Hathaway Inc. and it’s insurance company subsidiaries have nearly $19 billion in assets*.
At Symetra, we’re passionate about making a difference in people’s lives. We believe anything is possible when you reach for great things.
Learn more about all the ways we can make great things happen for your business at www.symetra.com.
*Source: Total GAAP assets per financial statements of Symetra Life Insurance Company, December 31, 2006.
Life insurance and annuities are issued by Symetra Life Insurance Company and securities are offered through Symetra Securities, Inc., member SIPC. Both companies are located at 777 108th Ave. NE, Suite 1200, Bellevue, WA 98004-5135
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Torrey Pines Bank
FPA San Diego Gold Partner
Torrey Pines Bank: A Unique Approach to Banking
At Torrey Pines Bank we value building close personal relationships based on trust and respect. We pride ourselves on meeting the banking needs of the San Diego community: from businesses and business owners….to professionals and their firms….to charitable organizations and the real estate community….we offer a broad array of products and services that rival any big bank, but delivered by veteran local bankers who offer market expertise and a personal touch.
Organized in 2003, Torrey Pines Bank is San Diego-based bank with seven offices throughout the County. We are one of the fastest-growing community banks across the country:
- $1.1billion in assets (as of March 31, 2010)
- Strong asset quality
- Substantial capacity to lend
- Strong capital position and
- Continued focus on profitability
We realize that our clients’ confidence has contributed to our success, and we continue to respect their relationships with solid practices to ensure continued growth and a bright future.
Please call me to learn how Torrey Pines Bank can assist you with your business and personal banking needs:
Teofla Rich, CFP®
Senior Vice President
Private Banking
(858) 523-4631
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Total Rebalance Expert (TRX)™
FPA San Diego Gold Partner
Total Rebalance Expert (TRX)TM is a rebalancing software solution for RIAs who use Schwab PortfolioCenter® and who adhere to Modern Portfolio Theory (asset allocation).
TRX is designed to bring portfolio management to a new level with features such as Analysis Expert and Tax Loss Harvesting, both at the touch of a button. The speed at which meaningful decisions can be made enables Advisors to significantly grow their practices because they can serve more investors, delivering very high-quality services.
TRX Streamlines Your Business Practices
- Add capacity without adding employees.
Focus your time on strategy and business growth.
- Prioritize tax minimization and cost reduction.
Factor in minimum trades, transaction costs, cash needs, capital gains minimization and limitations, tax loss harvesting, location optimization, and more.
- Effect portfolio changes concurrently among clients.
Reduce the time you spend on rebalancing and effecting portfolio changes by weeks. Your clients will receive equivalent, timely service.
- Manage clients’ outside assets such as 401(k)s and annuities.
- Maintain accuracy & consistency, and document trades online.
TRX Delivers Results and Satisfaction to Clients
- Increase gross and net returns.
Position your clients to make more money. By minimizing taxes, TRX increases clients’ net after-tax returns.
- Quantify client benefits and savings.
Demonstrate to clients the savings generated from tax minimization, tax loss harvesting, and location optimization.
- Avoid short-term gains and wash sales.
Use TRX to automatically choose alternative tax lots over short-term gains when selling out of taxable accounts. TRX will not purchase securities identical to positions sold at a loss within 30 days.
- Minimize long-term taxation.
Reduce taxes permanently through TRX's location optimization and short-term gain avoidance. TRX strategies allocate tax-inefficient asset classes to retirement accounts and IRAs while placing tax-efficient asset classes in taxable accounts.
For more information, please contact Sheryl Rowling, CEO at (619) 294-4TRX (4879), ext. 202 or e-mail sheryl@trxpert.com. Visit our company web site at http://www.trxpert.com.
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University of San Diego - Planned Giving
FPA San Diego Gold Partner
 The USD Office of Planned Giving is proud to be a Resource Partner with the Financial Planning Association – San Diego Chapter. Our office should be viewed as that – a resource for the members of the FPA as they advise their individual clients.
Among other things, we provide educational and client services to the allied professional community whether or not USD is the charitable beneficiary. We offer professional advisors the following:
1) Tour of the beautiful USD campus
2) GiftLaw eNewsletter and Web Site · Washington Hotline · Gift Calculator · Pro Tax Reference · Case of the Week · Private Letter Rulings
3) Personal and professional gift modeling and consultation
4) Continuing Education programs on campus for CFP CE credit
Visit our web site at: www.sandiego.edu/plannedgiving for comprehensive information about planned giving vehicles or call John A. Phillips, Senior Director, at (619) 260-4523.
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2010 SILVER PARTNERS
Guevara, Phippard & James
Laserfiche
Mance Creative Design Services
Payden Mutual Funds
Pioneer Investments
TD Ameritrade Institutional
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Guevara, Phippard & James
FPA San Diego Silver Partner
Guevara, Phippard & James is a business litigation and commercial transactions law firm.
Business and Transborder Matters Our experienced transactional bilingual lawyers assist clients forming corporations, limited liability companies, and partnerships. We provide analysis and counsel on employment law matters and preparation of business agreements, including employment agreements, business purchases, sales and distribution agreements, and commission agreements, as well as exit strategies. We also assist in the acquisition, development, licensing, and protection of intellectual property rights.
Litigation and Dispute Resolution Litigation and dispute resolution are a major focus of our law practice. We successfully represent plaintiffs and defendants in general civil litigation, commercial and real estate matters in both state and federal courts. We use alternative dispute resolution, including mediation and arbitration, to provide clients with meaningful results without litigation.
Real Estate Our real estate attorneys provide sophisticated representation in all aspects of real estate acquisition, land use, development, financing, ownership, leasing, condemnation, and
disposition.
Contact Fred C. James, fjames@gpjsdlaw.com,
Visit our website at: http://www.gpjlaw.net
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Laserfiche
FPA San Diego Silver Partner
Laserfiche® creates simple and elegant document management solutions that help organizations run smarter. Since 1987, more than 25,000 organizations—including numerous Registered Investment Advisors, Broker Dealers, and Banks — have used Laserfiche software to increase efficiency organization-wide.
By digitizing paper archives, Laserfiche enables users to instantly pinpoint the information they need. Secure Web access allows organizations to share information with remote offices, staff members and patients, while user- and role-based security options ensure compliance with government standards, including those mandated by SEC and FINRA.
For more information, please contact Marcel Tsai at 562-988-1688 x191 or Email: marcel.tsai@laserfiche.com and visit our website at www.laserfiche.com.
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Mance Creative Design Services
FPA San Diego Silver Partner
Mance Creative Designs has been providing beautiful, professional graphic design for companies all around the United States since 1997.
Our clients include all types of businesses both large and small: financial, medical, restaurants, theatres, museums, hotels, casinos, retail stores, manufacturing, research and development, high-tech, non-profit organizations, etc..
We design all kinds of products in print, video and web mediums. Anything from a new or improved logo, corporate identity materials, websites, tradeshow graphics, marketing materials, etc.
Learn more at www.ManceCreative.com
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Payden Mutal Funds
FPA San Diego Silver Partner
Payden & Rygel provides investors a globally diversified group of equity, fixed-income and target date fund strategies at every level of the risk/reward continuum. These strategies are available through the Paydenfunds, Metzler/Payden Funds and Payden/Wilshire Longevity Funds mutual fund families.
For more information, please contact Brenda O’Leary at 213-830-4207 or e-mail boleary@payden-rygel.com boleary@payden-rygel.com
Visit our company website at www.payden.com
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Pioneer Investments
FPA San Diego Silver Partner
You have many choices when selecting an asset manager for your clients. There are three key reasons financial advisors choose to partner with Pioneer: Our History, Global Presence and Investment Process.
We have a history of value investing for the long term with an over 80-year track record. As a global asset manager with $226.5 billion in assets under management and offices in more than 31 countries, we bring a local perspective in a global economy.* Our disciplined and consistent investment process seeks to minimize risk and maximize returns. This gives you the potential to deliver, to your clients, strength across the board in major asset classes.
For more information, please contact Vince Zupo at 310-372-7379 or e-mail Vince.Zupo@PioneerInvestments.com
Visit our company website at www.PioneerInvestments.com
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TD Ameritrade Institutional
 FPA San Diego Silver Partner
TD AMERITRADE Institutional is a leading provider of comprehensive brokerage and custody services to more than 4,000 fee-based, independent Registered Investment Advisors (RIAs) and their clients. Our advanced technology platform, coupled with personal support from our dedicated services teams, allows investment advisors to run their practices more efficiently and effectively, while optimizing time with clients.
Additionally, TD AMERITRADE Institutional provides a robust offering of products, programs and services. These services are all designed to help advisors build their businesses and do the best possible job they can helping their clients with their financial goals.
At TD AMERITRADE Institutional, we are committed to advocating on behalf of advisors and their clients on important issues like the Broker-Dealer Exemption Rule. We understand the importance of being a fiduciary and remain firmly on your side.
TD AMERITRADE Institutional- offering what you need from a custodian.
TD AMERITRADE Institutional is a division of TD AMERITRADE Holding Corporation. For more information, please contact Scott Monroe at scott.monroe@tdameritrade.com and visit our website at www.tdameritrade.com
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