Be Your Own Boss. Steven Cavan

Be Your Own Boss. Steven Cavan

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Sacramento Estate Planning

The Sacramento Estate Planning Council (SEPC) provides a forum where Trust Officers, Private Fiduciaries, Attorneys, Certified Public Accountants, Chartered Life Underwriters, Chartered Financial Consultants, Certified Financial Planners, Chartered Financial Analysts, Educators, Planned Giving Professionals, and Accredited Valuation Experts in the Sacramento Valley can meet and share information about new developments in estate planning, a constantly changing field.

Members continue their professional development at monthly dinner meetings that feature speakers on important topics in estate planning.

The SEPC is a non-profit, professional association which serves as an educational and networking resource for over 200 regional members in the matters of Estate Planning.  If you are an Estate Planning professional practicing in the Sacramento area, we encourage you to learn more about our organization and attend our events.

Member Categories

Professionals in the following fields are eligible to join, provided the criteria in our enlistment guidelines are fulfilled.
•        Officer Representatives of Trust Companies
•        Attorneys
•        Certified Public Accountants
•        Chartered Life Underwriters
•        Chartered Financial Consultants or Certified Financial Planners
•        Chartered Financial Analysts
•        Educators
•        Planned Giving Professionals
•        Accredited Valuation Experts
•        Private Fiduciaries

On Jan 2012 there was a technical forum in Sacramento: 2012 Technical Forum. The Sacramento Estate Planning Council, in conjunction with the University of the Pacific, McGeorge School of Law.
 This one-day educational program focuses on issues of importance to estate planning practitioners. Industry experts present their perspectives and findings in this dynamic and changing field.

A membership note from the president of National Association Estate Planners & Councils
Clark B. McCleary, CLU, ChFC, MSFS, AEP®
McCleary & Associates
Houston, Texas
Dear Colleagues,
One of the many benefits available to you as a result of membership in your local estate planning council is the Accredited Estate Planner® (AEP®) designation. Most of you qualify for this prestigious designation without the requirement of further course completion because you already have one of the qualifying designations or degrees and have completed the requisite years of service in the estate planning field. All that remains for you to acquire the designation is to complete an application and be approved by our designation committee. Details for the application process can be found in AEP® Committee Chair Eileen Dougherty's message below.
More good news about the AEP® designation: The Society of Financial Service Professionals recently determined that the AEP® designation is to be added to their list of those designations and degrees that qualify one for membership in the Society! As most of you know, the Society maintains the highest standards in its membership rules and reviews thoroughly and critically any designation before adding it to the approved list. Many of our local council members are Society members as well and qualify for that membership because of the primary designations they hold. Now it is possible for those council members who do not hold one of the other qualifying degrees or designations to achieve membership in the Society by acquiring the AEP® designation. We express our appreciation to the Society for recognizing the high degree of professionalism one must display before acquiring the AEP® designation and their acceptance of same for membership in that organization.
Finally, since the AEP® designation is on my mind, I want to encourage every member of our local councils to become an AEP®. And, no, that designation is not better than your other degrees and/or designations that qualify you for council membership, but it is different. Your primary designations qualify you for estate planning council membership and for the AEP® designation. The former tell the world that you hold a large body of knowledge in your professional specialty, and the latter proclaims your intent and continuing desire to use that special body of knowledge within the team concept of estate planning for the benefit of your clients—and that you are comfortable enough in your own skin to recognize that professionals in other disciplines bring skills to the table that may be outside your sweet spot, yet of benefit to your mutual clients.

Who Am I?
Reflections on the Values of NAEPC...
I am an Accredited Estate Planner®. This is not just a title, but a validation that I have completed graduate level courses in the area of estate planning, as well as having many years of time to polish my proficiency with the public. I belong to both the local and national levels of estate planning councils, which are membered by attorneys, CPAs, trust officers, and financial professionals like myself. Our commitment is to work in conjunction with each others' individualized expertise for the best interest of the client. When I present myself to the other disciplines as an AEP®, it is recognized that my background commands respect for the contributions that are made. Often, there is a collaboration of academics and experience that places the client in a better position than if they dealt with one discipline solely.
Paul J. Pantano, CLU, ChFC, CASL, AEP®, MSFS

National Financial Literacy Month, April, 2012
Please join us in promoting April as National Financial Literacy Month. This significant public service initiative was announced by the Presidential Proclamation signed by President Barack Obama. A full version can be seen on our public portal of estate & financial planning information, www.EstatePlanningAnswers.org.
In response to this declaration, the National Association of Estate Planners & Councils and The NAEPC Education Foundation have teamed up with the American Institute of Certified Public Accountants, the American Association of Attorney-Certified Public Accountants, the American Bar Association Section of Real Property, Trust and Estate Law, the Society of Financial Service Professionals, the National Academy of Elder Law Attorneys, the Partnership for Philanthropic Planning (all members of the Synergy Summit, a unified think tank and voice of leadership for leading financial service organizations), and the Financial Planning Association®. Together these organizations represent over 800,000 professionals and the accountants, attorneys, financial planners and advisors, insurance agents and brokers, and trust officers that are members of these professional associations will mobilize the entire financial and estate planning community by providing support, tools, and education for professionals and the public they serve.
You can help promote public and professional awareness of National Financial Literacy Month by placing financial and estate planning editorial content within your website, newsletter, social media groups, local newspapers, and radio/television/web based shows.
A full complement of sample documents is available for your use; take a look and begin using them today! Your efforts in doing so will:
Provide the public with fundamental principles of estate and financial planning
Educate the public on how to use these principles through their personal financial challenges
Assist the public in locating an appropriate multi-disciplinary team of professionals for their unique situation
Motivate the public to take proper action by visiting their team of professionals to improve their estate and financial planning situations
Serve as a friendly reminder and polite nudge to the public to get and keep their finances in order
Benefit nonprofits through many new potential planned giving opportunities, gifts, bequests, and alternate beneficiary designations.

The National Association of Estate Planners & Councils Education Foundation provides information about the multi-disciplicary approach to estate planning for the public and holds educational conferences, seminars, forums, and meetings for practitioners.  The association has 230 estate planning councils and 28,000 members across the country and administers the Accredited Estate Planner designation to qualified professionals that support the team concept of estate planning.

As a 501(c)(3) nonprofit organization The NAEPC Education Foundation generates operating capital to implement its programs through modest fees from its educational conferences, continuing education programs and publications, grants, donations and contributions of time and money from dedicated members, supporting financial service organizations, and the public.

Find the information at
http://www.estateplanninganswers.org
http://www.naepc.org/
http://www.sacepc.org



______________________________________________________
Sacramento Certified Financial Advisors - Sacramento Certified Public Accountants 


Claycomb Wealth Management
1130 Iron Point Road, Ste. 135
Folsom, CA 95630


Mike Chamberlain, CFP® 
Chamberlain Financial Planning LLC
777 Campus Commons Road Suite 200
Sacramento CA 95825
Phone: (916) 565-7640


Sacramento Estate Planning Law Firm
2012 Law Office of Joan Medeiros
777 Campus Commons Rd., #200, 
Sacramento, CA 95825 
Phone: 916-729-1307


Certified Financial Planner

Robert W. Baird & Co. 300 University Ave Suite 200

Sacramento, CA 95825

Sean M. Langley, CIMA®
Financial Advisor - Financial Planning Specialist
155 Cadillac Drive
Sacramento, CA 95825
Tel: (916) 567-2058 

Beginning June 15, real estate agents working with distressed homeowners whose loans are backed by Fannie Mae and Freddie Mac should expect to receive a decision on a short sale offer within 30-60 days. Not only is a short sale an effective foreclosure alternative when home retention is no longer an option, but it keeps homes occupied and helps to maintain stable communities, according to the Federal Housing Finance Agency (FHFA). The GSEs’ new short sale timelines require servicers to make a decision within 30 days of receiving either an offer on a property under the companies’ traditional short sale programs or a completed Borrower Response Package (BRP) requesting short sale consideration, whether it’s through the federal government’s Home Affordable Foreclosure Alternative (HAFA) program or a GSE program. More at DSnews ____________________________________________________________________________________________________________ West Sacramento Notary - Veretekk Portal Marketing - California Apostille Service -

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Real Estate update

We  mu st concede that we are going through a period of anomalous
financial market movement. It is happening with a high degree of regularity, which
really complicates everything buyers, those that are refinancing and those that are contemplating when
to lock in fixed rates.

We emerged from the past week with a nominal improvement for the home loan rate continuum
as questions arose about how strong the housing recovery, that seems to be emerging, will be. What we are hearing is many markets are being plagued by a lack of housing inventory for sale as a restraining factor.

We have also seen a sharp decline in bank owned properties as sales individual units and bulk sales
to investors are finally working down REO inventories and this could lead to a more normal cycle
of listing and sales volumes in the months ahead.

In the financial markets, the stock markets largely remain in fear of the sovereign debt problem in Europe and the potential for a decline of American corporate profits. The credit markets are
being troubled by comments coming from Wall Street ‘market makers’ and pundits. Perhaps in an
effort to buoy stock prices, they are openly discussing (in the mainstream media) their perception of a
Treasury market bubble forming. To put it plainly, fear seems to be the primary driving force in the
global financial markets and this is not a healthy paradigm.

If we are to look to a single barometer for the where home sales might go in the immediate future, it would be the weekly new mortgage loan applications index from the Mortgage Bankers Assn. There is an unmistakable and steady upward progression of purchase loan applications coming in on a
weekly basis. The subtle underlying data clearly implies a housing market recovery is at hand. The
only question is the intensity of it. The upcoming week will bring us the March pre-owned home
sales and the “experts” polled by the mainstream media are calling for sales gains over the February
sales level.

It is likely that the Monday morning release of retail sales figures for March will set the tone of trading for the week. The universal perception in the forecasting community is the retail sales figures will show some modest gains, but nothing close to the previously reported 1.1% rise for February sales. Yes, the upcoming week
should be interesting and could keep home loan rates on its current downward trek.

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