The Financial Planning Association of San Diego

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.

Cole Real Estate Investments is one of the most active acquirers of core real estate assets, managing one of the country’s largest portfolios of retail properties. Cole primarily targets net-leased single-tenant and multi-tenant retail properties under long-term leases with high credit quality tenants, as well as single-tenant office and industrial properties. Cole executes a conservative investment and financing strategy designed to provide investors with the opportunity for stable current income and capital appreciation. Today, Cole-related entities own and manage more than 1,500 properties representing approximately 56 million square feet of commercial real estate in 47 states with a combined acquisition cost of more than $9.4 billion.

For more information, please contact Raleigh B. Watson, SVP, Senior Advisory Consultant, 858-999-5042, Fax: 602-778-8780 or email : rwatson@colecapital.com.

Cole Real Estate Investments Address: 2325 E. Camelback Road, Phoenix, AZ 85016

Rancho Santa Fe Insurance has been located in the heart of Rancho Santa Fe for over 25 years specializing in high value Homeowners, Autos, Collections, Yacht, Aircraft and Umbrellas. They are designated as an exclusive Cornerstone Agency for Chubb Insurance due to their acute expertise and strong partnership with Chubb.

Rancho Santa Fe Insurance takes great pride in providing exceptional customer service including thorough annual reviews, risk management expertise and insurance solutions tailored specifically for their clients’ preferences. They have been voted Rancho Santa Fe’s Agency of Choice in the Rancho Santa Fe Review’s Readers Poll for several years running.

As a leading global insurer for fine homes and possessions, Chubb’s Masterpiece policy includes several contract enhancements tailored for high-value homes and high net worth families. Chubb has been known for innovation, quality protection and unparalleled claims service since 1882. They consistently receive high ratings for financial strength from A.M. Best, Moody’s and Stand & Poor’s, the leading independent analysts of the insurance industry, attesting to the solid financial strength that backs every policy.

Security One Lending
FPA San Diego Silver Partner

Security One Lending is proud to announce the launch of the Advisor 1 Lending Program offering strategic mortgage planning designed exclusively for professional financial advisors and their clients. Security One Lending is the # 1 Direct Lender in California and the #5 nationally for reverse mortgages. Security One Lending is headquartered in San Diego in Mission Valley. Security One Lending is a national independent mortgage banking firm backed by a Private Equity company and is not a division of a large bank with a wealth management department. We offer a full range of residential mortgage programs along with a concierge commercial mortgage brokerage. The Advisor 1 Lending interactive web portal can be located at www.Advisor1Lending.com.

For more information, please contact Jeffrey Buddin at 619-243-2726, Fax 619-563-4500 or
email jbuddin@s1lending.com

SecurityOne Lending Address: 3160 Camino Del Rio South, San Diego, CA 92108

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.

Thirty years ago Cambridge set out to partner with trusted advisors to offer what was best for their independent businesses and clients. Our founder and Chairman, Eric Schwartz, acted with an inspired vision that led to an industry-wide paradigm shift: the creation of a hybrid model to support freedom of choice and open architecture fee and commission platforms. Today, we continue on the same path. Our choices are based on achieving mutual success in an innovative, friendly, and truly independent environment. We can custom fit your office with industry leading technology and help you grow your business with common sense compliance, quality due diligence, innovative practice management, customized marketing solutions, and social networking support.

Cambridge Investment Research, Inc., member FINRA/SIPC, is an independent, privately owned Broker/Dealer with over 1,800 independent registered representatives. Recognized in the industry as The Fee Experts® , we have been ranked a fee leader among independent Broker/Dealers for ten consecutive years and are a four-time honoree as Broker/Dealer of the Year.

THE FEE EXPERTS® is a registered mark of Cambridge Investment Research, Inc. for its investment advisory service for investment managers.

Financial Planning magazine, June “FP 50”, Top 50 Independent Broker/Dealer Issue, 2001-2010

Investment Advisor magazine, 2010, 2008, 2007, Division IV; 2003, Division III

Chartis is a world-leading property-casualty and general insurance organization serving more than 45 million clients in over 160 countries and jurisdictions. With a 90-year history, Chartis has one of the industry’s most extensive ranges of products and services, deep claims expertise and excellent financial strength. Through its Private Client Group division, successful individuals and families can obtain innovative protection for homes, excess liability, automobiles, private collections, yachts and more.

Your high net worth clientele can access Private Client Group through an elite network of independent insurance agents and brokers. These objective professionals represent multiple insurance providers and specialize in connecting people with complex insurance needs to best-in-class solutions.

For more information, please contact Scott Justice, Assistant Vice President and Sr. Business Development Manager at 619-540-0146 or at scott.justice@chartisinsurance.com

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

Fidelity Investments Institutional
Services Company
Fidelity Institutional Wealth Services

Fidelity Investments Institutional Services Company (FIIS) is a division of Fidelity Investments. FIIS is one of the country's leading providers of investments products and services to banks, insurance companies, investment advisors and broker/dealers. For more information, please contact Jeff Losito at (619) 318-6110 or e-mail Jeff.Losito@FMR.com . Visit our company web site at https://advisor.fidelity.com

Fidelity Institutional Wealth Services is a provider of custody and clearing services to the Registered Investment Advisor market. For more information, please contact Tim Lewis at (949) 437-4215 or e-mail timothy.lewis@fmr.com . Visit our company web site at https://fiws.fidelity.com/

FlexShares ETFs offer new, insightful solutions that build on the global investment experience of one of the world’s leading index managers, Northern Trust. As part of the evolution of ETFs, they are designed to target specific investment outcomes, yet fit a variety of strategic and tactical approaches. FlexShares are engineered to advance real-world goals that clients voice, and blend multiple disciplines into flexible options that advisors can use to construct, allocate and manage client portfolios.

For more information, please contact Maggie Dorn at 312-557-9713, Fax 312-630-6060 or
email md175@ntrs.com md175@ntrs.com

Flexshares Address: 181 West Madison, Chicago, IL 60603

Working with Nationwide® can give your business a positive charge. Over the years, we’ve committed ourselves to developing a strong and dedicated support system for fee-based practices including:

For more information, please contact Bruce Guarin at 949-322-6274 or
email guarinb1@nationwide.com

Nationwide Address: 28292 Camino La Ronda, San Juan Capistrano, CA 92675

Security Benefit (Guggenheim Partners)
FPA San Diego Gold Partner

Security Benefit®, a Guggenheim Partners Company, has brought to market an innovative line of products designed with the fee-based advisor in mind. With both a fee-only option and a commission-based option, advisors can now combine tax deferral with modern asset management options to bring powerful solutions to their clients. These flexible, investment-focused products have a state of the art group trading platform, online account opening and a robust lineup of investment choices from well-known fund families. With a growing investment platform and tax-deferred status, fee-only advisors can tap into the growth of the market in a way that makes sense for their clients and their practice.

For more information, contact the sales desk directly at 877-700-6847.

FOR FINANCIAL PROFESSIONAL USE ONLY

Securities are distributed by Security Distributors, Inc. (SDI). SDI is a subsidiary of Security Benefit Corporation (“Security Benefit”). Security Benefit is indirectly controlled by Guggenheim Partners, LLC.

For more information, please contact Dave Rabin at 818-309-5964, Fax 818-597-1392, or email david.rabin@securitybenefit.com

Security Benefit Address: 232 Ochos Rios Way, Oak Park, CA 91377

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….charitable organizations....real estate investors. We offer a broad array of products and services that rival any big bank, 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 San Diego County, three offices in the Bay Area and an office in downtown Los Angeles, with growth on the horizon. We are one of the fastest-growing community banks across the country:

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.

The University of San Diego (USD) is a private, not-for-profit, Roman Catholic institution of higher education. In 2010, U.S. News & World Report ranked USD as one of the top 100 universities in the nation.

The University of San Diego Office of Planned Giving helps people create their legacy. For advisors we offer a full service menu of charitable gift and estate planning education and consultation, as well as exploring funding needs of students and faculty.

Services for financial and legal professionals include: customized gift planning training on your site, tailored gift illustrations with explanation in hardcopy or email, confidential client meetings, telephone consultation, personalized campus tours for advisors and clients, and free subscription to the USD GiftLaw Weekly eNewsletter.

The USD flagship gift arrangement is the Real Estate Gift Annuity, a charitable option for using a personal residence to create life time, guaranteed income for client/donors while maintaining full use of the property.

Founded by Wally Weitz in 1983 with about $10 million under management, Omaha-based Weitz Funds now manages $4.2 billion for individuals, corporations, retirement plans, and charitable organizations through nine no-load mutual funds and separate accounts. Weitz Funds’ primary objective is to earn superior investment returns on our clients’ capital, and our own, without taking unnecessary risks.

For more information on our funds, please contact a Client Service representative at 800-304-9745 or email clientservices@weitzfunds.com

For more information, please contact Sean Mihal at 402-384-5335 or email smihal@weitzfunds.com

WeitzFunds Address: 1125 South 103rd Street Ste 200, Omaha, NE 68124

Since 1954, Business Valuations Ltd. has served family businesses and the U/HNW as well as their trusted advisors with expert advice. This is achieved by enhancing and measuring businesses/ professional practices values and providing IRS/Court qualified reports. Whether entity or equity values for Gift, Estate Tax or Trust purposes; buy-sell agreements; ESOPs; fairness opinions or disputes, we provide client and advisor peace of mind and easy access to our expertise.

Our differentiation is that we’re concierge advisors working with some of the finest trusted advisors in the United States. We’re also among the nation’s top litigation support firms due to our depth of analysis; having had only three IRS exams in the past 20 years. All were successful even when aggregate discounts of noncontrolling equity interests have exceeded -55%. Most clients have businesses with sales between $2 million and $200 million and assets of $5 to $500 million.

Whether local, regional or global, professional practice, midmarket operating or asset holding companies (partnership or corporation), we’ve kept clients safe and the IRS honest regardless of the business or situation complexity! www.bizvalsltd.com

For more information, please contact Kelly Passmore, Director, Client Relationships Kelly@bizvalsltd.com or Dr. Carl Sheeler, National Managing Partner Carl@bizvalsltd.com at 619-235-6635.

Business Valuations Ltd. HQ’s address: 110 West C Street, 13th Floor, San Diego, CA 92101

At First American Trust, we are dedicated to helping wealthy individuals and families meet their personal financial goals. Our investment philosophy focuses on high-quality investments and risk management through diversification. Asset allocation is the cornerstone of our investment process. We work closely with our clients to define specific objectives for asset growth, income, and capital preservation. Then we develop a customized portfolio that will meet their unique needs, while minimizing tax consequences. Our experienced portfolio managers are available to meet with our clients on a regular basis to review and update their portfolios. Maintaining our commitment to providing the highest level of investment management expertise, delivered through personalized service, allows us to build relationships that span generations.

Estate administration can be complex, time consuming, and frustrating. It is often a source of conflict within a family. Our experienced and objective team of estate managers works with our clients and their advisors to develop and implement personalized estate plans. While we do not act as attorney for our clients, based on years of experience working with the local legal community, we can recommend competent counsel to help clients achieve their objectives.

Although real estate is often the most significant and complicated asset in a trust, many trust companies are unwilling to accept responsibility for accounts that require management of income-producing or investment real estate. Unlike our competitors, First American Trust offers its clients comprehensive real estate management services. And because we have an income-based fee structure for managing income-producing property, our compensation is typically based on the amount of real estate revenue we generate for our clients, rather than on asset value.

For more information, please contact Leslie Klein at 858-410-5755, Fax: 619-615-4973 or email lklein@firstam.com.

First American Trust Address: 4380 La Jolla Village Drive # 200, SD 92122

For more information, please contact Steve Staab at 410-952-0478, Fax 760-295-8265 or email steve.staab@gs.com

Goldman Sachs Address: 1044 Tesoro Avenue, San Marcos, CA 92069

With 28 years of experience and more than $62 billion in assets, Payden & Rygel provides a globally diversified group of stock, bond and retirement strategies through Paydenfunds, Metzler/Payden Funds and Payden/Kravitz Funds. The firm is headquartered in Los Angeles with offices in Boston, London and Frankfurt..

For more information, please contact Brenda O’Leary at 213-830-4207 or e-mail boleary@payden.com.

Payden Mutual Funds Address: 333 South Grand Ave., Los Angeles, CA 90071

Real Estate Investment Securities Association
FPA San Diego Silver Partner

REISA - Alternative Investment Association provides education, networking and advocacy for its members. We are a national trade association of decision makers that influence over 25,000 securities professionals (broker-dealers, registered representatives, RIAs, financial advisers, real estate sponsors, and affiliated businesses such as law, accounting and real estate brokerage firms) who offer and manage private placements, direct participation programs, and alternative investments; we are more than just real estate. These typically include, but are not limited to: non-traded REITs, real estate partnerships, real estate income and development funds, tenant-in-common interests, oil and gas interests, equipment leasing, and other securitized real estate investments. We work to maintain the integrity and reputation of the industry by promoting the highest ethical standards to its members and provide education, networking opportunities, and resources. REISA connects members directly to key industry experts through intimate forums providing timely trends and education; helping create a diversified portfolio for their clients.

For more information, please contact Brandon Balkman, Executive Director/Chief Executive Officer at 317-663-4172, Fax: 317-815-0871 or email bbalkman@reisa.org

REISA Address: Two Meridian Plaza, 10401 North Meridian Street, Suite 202, Indianapolis, IN 46290 - Web Address: www.reisa.org

Sterling Global Strategies is a Carlsbad based Registered Investment Advisor that has developed very unique trading models that are time tested to significantly outperform the markets with less than half the risk of the S&P.

The Sterling Tactical Rotation Index, which is quoted live on Bloomberg, has been up an average of 19% for the past 3 years and 15% for the last 5 years.

The portfolios are available on most RIA platforms, as well as the Guggenheim and Nationwide Variable Annuity sub accounts. Visit our website at: www.sterling-gs.com

For more information, please contact Edward A. Bondy, Vice President, Director of Institutional Sales, , by email at eabondy@aviarawealthadvisors.com

Sterling Global Strategies Address: 1818 Aston Avenue, Suite 245, Carlsbad, CA 92008

TD Ameritrade Institutional
FPA San Diego Silver Partner

The TD Ameritrade Institutional Difference

TD Ameritrade Institutional is a leading provider of comprehensive brokerage and custody services to over 4,000 independent Registered Investment Advisors (RIAs) and their clients. We deliver smart operational solutions, innovative technology, customized practice management and flexible investment solutions, all with one goal in mind—impeccable service. As steadfast advocates for independent advisors, we continually speak out to ensure that RIA needs and the needs of investors are always considered within the regulatory environment. When you choose to work with us, you’ll see how deeply we are committed to your success. Visit us at www.tdainstitutional.com or call us at 800-934-6124.

For more information, please contact Kerry Harris at 402-970-4581 or email kerry.harris@tdameritrade.com

TD Ameritrade Institutional Address: 11218 John Galt Blvd Suite 300, Omaha, NE 68137