Employment o$ personal fnancial advisers is expected to increase 41 percent between 2006 and 2016. 4 Copyright 2009 CareerBuilder, LLC 4Reprinted with permission CONTINUING AND PROFESSIONAL EDUCATION Business and ManageMent P e&'%$ a" F!$ a$c! a" P" a$$!$ C%)&' e' Fall 2009 A e cd dur FREE I cf dr ba i d c Sessi d c f dr 8e Pers d ca a Fi ca c 3ia a P aa c ci c 7 Pr d 7ra b d c Au 7us 4. www.extension.ucdavis.edu/business Key .oundational courses o..ered during other academic quarters: Fundamentals o. Personal Financial Planning Examine the nancial planning process model and nancial planning subject areas.
Learn nancial modeling techniques and the basics o6 money psychology and counseling skills. Income Taxation in Personal Financial Planning Learn to recognize the many opportunities 6or success6ul income tax planning, as well as the occasional dilemmas that arise in personal nancial planning. Risk Management in Personal Financial Planning Gain an understanding o6 risk management.
Learn to determine insurance needs, assess various insurance plans and evaluate contract selection criteria 6rom a cost/bene t standpoint. Employee Benefts in Personal Financial Planning Gain an understanding o6 duciary responsibil- ity requirements in connection with retirement plans, as ... more. less.
well as how to evaluate taxation o6 bene ts received and alternatives in choosing the appropriate plan. CertiFiCate Program in Personal FinanCial Planning " Quarterly sChedule oF Courses REQUIRED COURSES (24.5 UnItS) # UnItS F W SP SU Principles o+ Financial Analysis 3.5 Fundamentals o+ Personal Financial Planning 3.5 Income Taxation in Personal Financial Planning 3.5 Investments in Personal Financial Planning 3.5 Risk Management in Personal Financial Planning 3.5 Estate Planning 3.5 Employee Benefts in Personal Financial Planning 3.5 thERE aRE nO ElECtIvES In thIS PROgRam.<br><br> Classroom +ormat Schedules are subject to change. Check our website +or the latest schedule and course in+ormation: www.extension.ucdavis.edu/business or call (800) 752-0881. F=Fall W=Winter SP=Spring SU=Summer UC Davis Extension does not certi+y individuals to use the CFP®, CERTIFIED FINANCIAL PLANNER" or certifcation marks.<br><br> CFP® certifcation is granted only by the Certifed Financial Planner Board o+ Standards, Inc., to individuals who, in addition t o completing an educational requirement such as the CFP® Board-Registered Program, have met its ethics, experience and examina- tion requirements. P ersonal F inancial P lanning c ertiFicate P rogram The Personal Financial Planning Certi cate Program provides you with the knowledge to help people de ne and attain their nancial goals. The current economic turmoil, coupled with an increasing number o6 pro6essionals approaching retirement, is increasing the need 6or quali ed nancial experts.<br><br> The UC Davis Extension Certi cate Program in Personal Financial Planning meets the CERTIFIED FINANCIAL PLANNER" Board o6 Standards, Inc., educational requirements to quali6y 6or the CFP® Certi cation Examination. Principles of Financial Analysis 3.5 quarter units academic credit, X420.11. Whether you are managing your own money or serving clients as a nancial adviser, the concepts o6 cash fow analysis and Time Value o6 Money (TVM) are the 6oundations o6 sound nancial decision-making.<br><br> Learn the 6unda- mentals needed to comprehensively analyze a client 9s or your own nancial situation. Develop your ability to evaluate mortgages, choose the most appropriate savings plan, understand annuities, determine bond Yield to Maturity (YTM) and price, and analyze stock market and real estate investments. This course is required to complete the Personal Financial Planning Certi cate Program and replaces Quantitative Tools o6 Personal Financial Planning.<br><br> An HP 12C calculator is required; however, no prior experience is necessary. You will need to have access to Excel or a compatible spreadsheet. Required Textbooks: Understanding Your Financial Calculator, 4th ed., by Kaplan Financial, ISBN 1419559818, available at www.<br><br> directtextbook.com/prices/1419559818. Wise Investing Made Simple, by Larry Swedrow, ISBN 9780976657422. NORBERT WAGNER, M.S., currently works with a private association on business plan development and execution.<br><br> He has a certi cate in nancial planning and success6ully com- pleted the CFP ® examination. 10 meetings. Sept.<br><br> 15-Nov. 17: Tues., 5:30-9 p.m. Sacramento: Sutter Square Galleria, 2901 K St.<br><br> Technical requirements: Certain elements o6 this classroom class will be conducted online. You must have a computer with access to the Internet and an email account in order to complete this course. $720 ($770 i6 postmarked a6ter 09/01/2009).<br><br> Enroll in section 092PER470. Special discounts: Groups. FPA members.<br><br> F all P ersonal F inancial P lanning c ourses You may take any o. these courses individually or as part o. the certifcate program.<br><br> F R E E I n Fo R m AtI o n S E S S I o n P e&'%$ a" F!$ a$c! a" P" a$$!$ C e&(!fc a( e P&% & a# i$ f%&# a(!%$ s e''!%$ I# you 9re co+sideri+g e c ereer i+ f+ e+ci e) p) e++i+g or just w e+t to improve your ow+ perso+ e) i+vestme+t ski))s, you wo+ 9t w e+t to miss this #ree i+#orm etio+ sessio+ #or UC D evis Exte+sio+ 9s CFP ® Bo erd Registered Personal Financial Planning Certifcate Program. P)e ese p) e+ to ette+d e+d meet with our st e##, # ecu)ty e+d i+dustry )e eders to discuss e+d )e er+ ebout c ereer tre+ds; CFP ® ex emi+ etio+ requireme+ts e+d process; course seque+ce, co+te+t e+d #ocus; e+d e+swers to #reque+t)y esked questio+s. This progr em is registered with the CERTIFIED FInanCIal PlannER" Bo erd o# St e+d erds, I+c.<br><br> RESE RVE YOUR SEAT TODAY! Aug. 4: Tues., 5:30-7:30 p.m.<br><br> " Enroll in section 091OPE300. " Sacramento: Sutter Square Galleria, 2901 K St. Required course Investments in Personal Financial Planning 3.5 quarter units academic credit, X420.4.<br><br> Examine various investment categories utilized by nancial planning practitioners. Gain knowledge o6 security laws and regulations, time value o6 money, risk analysis, common stock valuation and expected rates o6 return. Learn about market indicators and monetary policy.<br><br> Acquire the ability to apply 6undamental and technical analysis, and discover what nancial planners need to know about the bond market, yield curves, pre6erred stock, convertible bonds, options, warrants, 6utures, mortgages, mutual 6unds, port6olio construc- tion and management, and capital market theory. Required textbook: Essentials o6 Investments, 7th ed. (pbk), by Bodie, Kane and Marcus, ISBN 9780073368719.<br><br> Prerequisites: Fundamentals o6 Personal Financial Planning, Principles o6 Financial Analysis or Quantitative Tools 6or Personal Financial Planning. CHASE W. ARMER, CFP ® , EA, M.S., is a nancial advisor 6or Planned Solutions, Inc., where he has been a member o6 their Investment Management Committee since 1999.<br><br> Armer works with individuals and business owners who seek advice in all areas o6 nancial planning. His particular expertise lies in investments, retirement planning and income taxation. 10 meetings.<br><br> Sept. 16-Dec. 2: Wed., 5:30-9 p.m.<br><br> (No meeting Nov. 11 or 25.) Sacramento: Sutter Square Galleria, 2901 K St. $720 ($770 i6 postmarked a6ter 09/02/2009).<br><br> Enroll in section 092PER474. Special discounts: Groups. FPA members.<br><br> Estate Planning 3.5 quarter units academic credit, X420.9. 35 hours MCLE credit. 35 hours DOI credit.<br><br> Learn what all accountants, trust o6 cers, attor- neys, li6e insurance underwriters and nancial planners need to know to solve estate planning problems. Examine tax objectives, business interests, the unlimited marital deduction and saving the csecond tax. d Acquire the knowledge to advise on holding title to property, li6etime gi6ts and trusts, wills and living trusts, li6e insurance and annuities and post-death tax and legal problems. Review recent tax law changes.<br><br> Please read chapters one, two and three prior to the rst class meeting. Required textbook: Estate Planning 6or Financial Planners, 4th ed., by Michael A. Dalton, ISBN 9780974894560.<br><br> Prerequisites: Fundamentals o6 Personal Financial Planning, Income Taxation in Personal Financial Planning, Principles o6 Financial Analysis or Quantitative Tools 6or Personal Financial Planning. GINA LERA, J.D., is an attorney with Downey Brand, specializing in trusts and estates. Prior to joining Downey, Lera was a partner with Wagner, Kirkman, Blaine, Klomparens & Youmans in Sacramento.<br><br> She is certi ed by the State Bar o6 Cali6ornia as an estate planning, trusts and probate law specialist, and has held numerous positions on the Sacramento County Bar Association Board o6 Directors. 10 meetings. Sept.<br><br> 21-Nov. 23: Mon., 5:30-9 p.m. Sacramento: Sutter Square Galleria, 2901 K St.<br><br> $720 ($770 i6 postmarked a6ter 09/07/2008). Enroll in section 092PER479. Special discounts: Groups.<br><br> FPA members. cMore than one in fve Americans 4 or more than 70 million people, including 500,000 in the Sacramento region 4 will be 65 or older by 2030&the biggest aging evolution in history. d 4 cU.S. seems unprepared $or onslaught o$ aging boomers, d ~ Sacramento Journal, May 15, 2009 N e e d f i N a N c i a l p l a N N i N g w o r k e x p e r i e N c e ?<br><br> The Perso+ e) Fi+ e+ci e) P) e++i+g I+ter+ship gives you pr ectic e) experie+ce i+ providi+g f+ e+ci e) p) e++i+g services to c)ie+ts. The 90-hour progr em i+c)udes three meeti+gs with the progr em coordi+ etor e+d e))ows you to epp)y the k+ow)edge g ei+ed i+ the certifc ete progr em courses. For more i+#orm etio+ ebout st erti+g your i+ter+ship, p)e ese co+t ect us et (530) 757-8895.<br><br> To st ert your i+ter+ship this # e)) qu erter, p)e ese c e)) be#ore September 15. S p e c i a l d i S c o u N t S Org e+iz etio+s e+ro))i+g three or more peop)e et the s eme time i+ the s eme course receive e 10 perce+t discou+t. FPa members receive e 10 perce+t discou+t .<br><br> E+ro)) es e group or te em o# three or more, e+d receive e 10 perce+t discou+t o+ e ech e+ro))- me+t. Te em tr ei+i+g e))ows you to sh ere the )e er+i+g experie+ce with your co-workers, so co+cepts e+d tech+iques )e er+ed ere eve+ e esier to epp)y o+ the job. a)) registr etio+s must be submitted et the s eme time e+d #ees p eid with o+e check, credit c erd or purch ese order.<br><br> cThe UC Davis Personal Financial Planning Certifcate Program was an obvious choice $or me. I was looking to change careers and going to school one night a week was manageable. I had considered online programs, but UC Davis o$$ered more.<br><br> Not only were the instructors experienced fnancial pro$essionals, but so were many o$ my $ellow students. The internship was an outstanding experience, too. Working with a CERTIFIED FINANCIAL PLANNER allowed me to apply classroom concepts to real work situations. d ~ Elaine Webb, EA PE RS o n A l F I n A n cI A l PlA n n I n g cA R E E R n I g ht Please join us and explore career opportunities in the eld o6 nancial planning.<br><br> Cosponsored by UC Davis Extension and the Financial Planning Association o. Northern Cali.ornia, this 6ree event brings together those interested in pursuing or exploring a career in nancial planning with success6ul nancial planning rms and advisers. In spite o6 the recent economic distress, nancial planning continues to provide a great career path, and the need to keep skills up-to-date is more important than ever.<br><br> Bring your resume to share, or just come to nd out more about this 6ul lling career. Come early 6or re6reshments, to meet our sta66 members and: Explore nancial planning as a career transition as well as its various tracks Learn about internship opportunities with pro6essional nancial planning practices Find out about educational requirements needed to sit 6or the CFP ® Certi cation Examination Learn about networking opportunities with area pro6essionals Listen to knowledgeable practicioners speak about how they attained their own career goals I6 you have questions, please call UC Davis Extension at (530) 757-8895. Aug.<br><br> 18: Tues., 5:30-8 p.m. (Registration begins at 5 p.m.) Sacramento: Sutter Square Galleria, 2901 K St. No Charge.<br><br> Enroll in section 091PER500. www.extension.ucdavis.edu/business Also o$ interest & Investing in Income- Producing Real Estate Noncredit. Acquire the research techniques and analytical skills you need to begin investing in real estate.<br><br> Discover practical opportunities to invest in real estate with modest sums. With the Cali6ornia real estate market at rock bottom, now is the time to think about investing. Explore real estate as an investment oppor- tunity 6or supplemental income, retirement income or as a long-term port6olio diversi ca- tion strategy.<br><br> Special attention is given to structuring and analyzing deals, calculating return on investment and creating a group o6 investors to 6und equity investments. All types o6 properties are discussed, including one- to 6our-unit properties. STEVE MIKLOS is a licensed Cali6ornia real estate broker and 6ounder o6 Bentley Mortgage & Real Estate Services in Folsom.<br><br> He was elected to the Folsom City Council in November 1994, and is currently serving his third term. His 6ellow council members appointed him vice mayor in 1995 and 2007, and mayor repeatedly 6rom December 1997 through 2008. Miklos has also served as the chairman o6 the Folsom Redevelopment Agency Board and o6 the Folsom 3El Dorado County Joint Powers Authority, and currently serves as chairman o6 the Local Agency Formation Commission (LAFCO).<br><br> 1 meeting. Aug. 22: Sat., 9 a.m.-4 p.m.<br><br> Sacramento: Sutter Square Galleria, 2901 K St. $210. Enroll in section 091REL307.<br><br> Special discounts: Groups. By Phone call toll $ree (800) 752-0881. From Davis or Woodland call 757-8777.<br><br> Please have your Visa, MasterCard, American Express or Discover account number handy. By Fax to (530) 757-8558. I$ you are enrolling with a company purchase order, please $ax a completed enrollment $orm along with a copy o$ the purchase order.<br><br> For security purposes, we can no longer accept credit card payments via $ax. in Person at our Registration O$fce, 8:30 a.m.-4:30 p.m., 1333 Research Park Drive, Davis. online at www.extension.ucdavis.edu/business.<br><br> enrolling is easy! Tax deductibility of educational expenses Expenses o$ education 4 including registration $ees, travel, meals and lodging 4 may be deductible i$ they maintain or improve pro$essional skills or meet the express requirement o$ an individual 9s employer. Contact a certifed public accountant $or more in$ormation, or visit www.irs.gov/taxtopics .<br><br> If your plans change Re$unds, less a $30 processing $ee, will be granted i$ the request is received be$ore the second class meeting. At that time, you can also discuss trans$erring your enrollment to another program or sending a substitute. Requests $or withdrawal without a re$und must be received be$ore the last meeting o$ the course.<br><br> Requests $or withdrawals or re$unds may be made by phone, $ax or in writing. Please include the student 9s name, course title and course section number. For in$ormation about other alternatives, call UC Davis Extension at (800) 752-0881.<br><br> O r d e r i n g t e x t b O O k s f O r y O u r c l a s s Required textbooks should be ordered either through an online bookstore or at an area bookstore prior to the class start date. Order your book directly +rom the UC Davis Bookstore in Sacramento. You can reach the UC Davis Bookstore at (916) 734-3452 or visit them at 2270 Stockton Blvd., Sacramento.<br><br> Order +rom a commercial bookstore in your area. Order your book +rom an online bookstore. We encourage you to try an online service, such as www.bestbookbuys.com, which searc hes multiple online bookstores +or the best price and availability.<br><br> Other ideas +or online bookstores: amazon.com barnesandnoble.com computerbooksonline.com bigwords.com Be+ore ordering your book, please check the course in+ormation at www.extension.ucdavis.edu/business +or the latest updates on book titles. You should order your book at least two or three weeks in advance. We welcome your comments, concerns and suggestions.<br><br> Please conta ct us at (530) 757-8777 or www.extension.ucdavis.edu/contactus. For general in6ormation, call UC Davis Extension at (800) 752-0881. For speci c program in6ormation, call the Business & Management Department at (530) 757-8895, email email@example.com, or visit our website.<br><br> www. e,( e$'!%$.)c d av!'. e d)/b)'!$ e'' f O r m O r e i n f O r m a t i O n Principles of Financial Accounting 4 quarter units academic credit, X407.4. Examine accounting theory, principles and practice. Learn about accrual account concepts, transaction analysis, and recording and pro- cessing (journals and ledgers) methods.<br><br> Gain an in-depth understanding o6 the preparation and analysis o6 nancial statements (income statements, balance sheets and cash-fow statements); sales and cost o6 sales; inventory valuation; depreciation o6 operational assets; accounting 6or investments; and liability and present value concepts. DANIEL D. ROSS, CPA, is president o6 the Daniel R.<br><br> Ross Accountancy Corporation, a rm he 6ounded in 1987, which specializes in tax, business advisory, accounting and nancial planning services. Ross also teaches seminars through SCORE, a resource partner with the Small Business Administration. His past experi- ence includes working 6or Price Waterhouse Co.<br><br> 12 meetings. Sept. 17-Dec.<br><br> 17: Thurs., 5:40-9 p.m. (No meeting Oct. 22 and Nov.<br><br> 26.) Sacramento: Sutter Square Galleria, 2901 K St. $695 ($745 i. postmarked a.ter 09/03/2009).<br><br> Enroll in section 092ACC101. Special discounts: Groups. For required textbook, go to www.extension.<br><br> ucdavis.edu/business . Click on Accounting, then on the course name. Nonpro t Org.<br><br> U.S. Postage PAID UC Davis UC Davis Extension University o6 Cali6ornia 1333 Research Park Drive Davis, CA 95618-4852 Key Code 092 132-ZZ 092 132 Create sunny futures Financial planners are in demand more than ever. Downturns, rising interest rates, loss o6 employment are just a 6ew o6 the economic roadblocks encountered in li6e.<br><br> Learn to maneuver the mine elds. Help others prepare 6or stormy times, rise above market fuctuations and reach their objectives. Learn.<br><br> Advise. Actualize dreams. Visit us on the Web.<br><br> Enroll today! For more information, call (800) 752-0881 or email us at firstname.lastname@example.org. www.extension.ucdavis.edu/business<br><br>