Free one-on-one financial planning advice and educational workshops. No strings attached.

Oakland Financial Planning Day

 
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Date/Time
October 10, 2015
9:00 am - 4:00 pm

Location
Oakland City Hall
1 Frank H. Ogawa Plaza
Oakland, California
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The City and Oakland and the Financial Planning Association of the East Bay invite you to attend Oakland Financial Planning Day where you’ll be able to meet one-on-one with dozens of highly qualified Certified Financial Planner™ professionals to discuss your personal finance questions, concerns and interests.

Don’t miss this opportunity for a free, private consultation with an expert on a wide variety of personal finance issues, including debt management, retirement planning, investment strategies, income taxes, insurance, and estate planning, among many others!

And best of all, there are no strings attached! Financial planners are volunteering their time and will not pass out business cards, marketing materials or sell products or services. They will be stationed at tables and will meet with one individual or couple at a time, but there is no limit to the number of volunteers you can meet with.

In addition to one-on-one consultations, there will be a series of informative classroom workshops presented by top financial planners on a wide range of financial topics. Stay as little or as long as you’d like.

To learn more about the event, please refer to the FAQ.

How to Prepare

A little preparation can help you get the most out of your experience at the Financial Planning Day. Here are a couple of tips to help you prepare:

  1. Make a list of questions you want answered. Refer to the Financial Planning Topics to learn more about topics and questions you can address with financial planners.
  2. Bring relevant financial documents and a financial snapshot of your current financial situation. For a list of useful resources and tools to help you prepare, including customizable financial planning worksheets, refer to the Resources page.

VOLUNTEER REGISTRATION FOR CFP® PROFESSIONALS

Please complete the registration form to register as a financial planner volunteer. After your registration has been received, we will contact you with more information.

Please note the following important information:

All financial planner volunteers must be CFP® professionals in good standing with CFP Board and must commit to volunteering during the entire time the event is open.

All volunteers are required to review the Financial Planning Day Boot Camp, consisting of an online presentation designed to train and prepare volunteers for their participation.

Registration

Please register to attend as admission will be granted first to those who have registered. We will not sell your e-mail address or use it for any purpose other than communications about the Financial Planning Day.

Registration for volunteer financial planners is available here.

Budgeting and Cash Flow
Credit and Debt
Investment Options and Strategies
Retirement Planning
Tax Planning
Home Purchase and Mortgage Loans
Estate Planning
Insurance
Employee Benefits
Education Funding & Planning
Foreclosure
Real Estate Planning
Small Business

Family or Friends
Promotional Flier
Community Organization
Employer
Newspaper or Magazine
TV Announcement
Radio Announcement
Online Post
Other (specify below)

For any options you selected above, please provide as much additional detail as possible (e.g., employer name, TV or radio station name, etc.):

You will receive an email confirming your registration after clicking the "Register" button below.


CFP® professionals volunteering at the Financial Planning Days are highly qualified to discuss a variety of financial topics, and those topics fall in the categories listed below, followed by a set of sample questions related to that topic.

GENERAL FINANCIAL PLANNING

Purchasing a Home – Should I buy or rent? What type of mortgage should I get?
Debt Management – How do I reduce my overall debt?
Building a College Fund – How do I finance my child's college education?
Savings Goals – How much money should I have in my emergency fund?

SPECIAL CIRCUMSTANCES

Job Loss and Job Change – How do I financially plan for a job loss?
Foreclosure Assistance – How can I avoid losing my property to a foreclosure?
Change in Marital Status – How do I financially plan for a divorce?

INVESTMENT PLANNING

Investment Strategies – How do I maximize gains and minimize taxes?
Asset Accumulation – How should I diversify my portfolio, given my risk tolerance?
Generating Investment Income – What investment vehicles should I consider to generate income?
Real Estate - Should I invest in real estate?

RETIREMENT PLANNING

Building a Retirement Fund – What retirement vehicles should I consider when building my nest egg?
401(k) and 403(b) Plans – How do I pick the investments for my 401(k) or 403(b) plan?
IRA Accounts – Should I choose a traditional or Roth IRA?
Social Security – How much will I receive in Social Security benefits when I retire?

INCOME TAX PLANNING

General Tax Return Filing – Should I file my taxes as single or married?
Tax Reduction Strategies – What tax deductions can I take?
Charitable Contributions – How do I maximize the tax advantages of my charitable contributions?
Small Business Taxation – How can I position my small business to minimize my taxes?

ESTATE PLANNING

Building an Inheritance – What estate planning vehicles should I consider when building an inheritance?
Wills and Trusts – Should I set up a will or a living trust?
Estate Tax Strategies – How do I reduce my estate taxes?
Incapacity Planning – How do I appoint a Power of Attorney?

INSURANCE PLANNING

Life Insurance Coverage – How much life insurance do I need?
Disability Insurance – Do I need additional disability insurance?
Long-term Care Planning – What kind of long-term care insurance should I consider?
Property and Casualty Insurance - How should I insure my home?

EMPLOYEE BENEFITS

Managing Health Insurance – Does my family have adequate health insurance?
Health Savings Accounts – Should I open a Health Savings Account (HSA)?
Incentive Stock Option Plans – How is my investment income taxed?

Unless otherwise noted, the content, program names and related elements are owned collectively by the Financial Planning Days Consortium.

Copyright © 2014 Certified Financial Planner Board of Standards, Inc. All rights reserved.

We hope the following information helps answer your questions about the Financial Planning Day. If you have a question not answered here, please feel free to contact us at info@financialplanningdays.org or 877-861-7826.

What is a Financial Planning Day?

A Financial Planning Day is a free public event that gives you an opportunity to address your personal finance questions privately with professional financial planners who can help you find the answers you need. Highly qualified Certified Financial Planner™ professionals will volunteer their time and expertise to offer personalized advice and to present classroom style educational workshops addressing key personal finance topics. The advice and information provided by financial planners is free, and there will be no sale of products or services and no strings attached. We hope the Financial Planning Day will give you first-hand experience how financial planning can improve your life.

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Who is organizing the Financial Planning Day?

The Financial Planning Day is organized by local city government and local chapter of the Financial Planning Association, in partnership with four national non-profit organizations – Certified Financial Planner Board of Standards, Financial Planning Association, Foundation for Financial Planning, and the U.S. Conference of Mayors. The event is part of the national Financial Planning Days initiative, a ground-breaking program involving city governments and thousands of financial planners nationwide, in an effort to provide free personal finance education and guidance to people across the country.

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What makes the Financial Planning Day different from similar events?

What sets the Financial Planning Day apart from other similar events is that in addition to a wide range of educational workshops, individuals and families are able to receive personalized financial planning advice tailored to their unique situations, provided by experienced CFP® professionals who are volunteering their time and expertise. Volunteering financial planners do not sell financial products or services and they will not follow up with you after the event.

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What type of advice can I expect to receive?

It depends on your questions and needs – you can ask about debt management or basic budgeting concepts, tax planning, mortgage, paying for college, retirement planning, estate planning or insurance, among many other things. Participating CFP® professionals are highly qualified to discuss a variety of personal finance topics and issues with you.

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Can you tell me a bit about the workshops?

The Financial Planning Day will also feature a series of free, classroom-style educational workshops presented by top financial planners addressing key personal finance topics. For a list of workshops that will be offered, check out the agenda in the event overview tab. 

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Do I need to register to attend?

While walk-ins to the Financial Planning Day are welcome, admission will be granted first to those who have registered online. We expect a large crowd, so we encourage you to register early. It’s all free and we encourage you to invite your family and friends.

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What is financial planning?

Financial planning is the process of meeting your life goals through the proper management of your finances. The financial planning process consists of six steps that help you take a look at the "big picture" of where you are financially. Using these six steps, you can work out where you are now and what you may need in the future in order to reach your goals, whether they are buying a home, saving for child’s education or planning for retirement or anything else:

  1. Gathering relevant financial information
  2. Setting life goals
  3. Examining your current financial status
  4. Coming up with a financial strategy or plan for how you can meet your goals
  5. Implementing the financial plan
  6. Monitoring the success of the financial plan, adjusting it along the way if necessary

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What are the benefits of financial planning?

Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you pay off your mortgage faster or it might delay your retirement significantly. By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track.

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Who are CERTIFIED FINANCIAL PLANNER™ professionals?

CFP® certification is renowned for its rigor – it is granted to financial planners who hold a Bachelor’s degree, complete initial and ongoing financial education, pass a comprehensive examination, attain requisite professional experience in financial planning, and agree to provide financial planning services as a fiduciary – acting in the best interests of their clients. CFP Board’s disciplinary enforcement of its ethical standards further distinguishes CFP® certification from other industry designations.

CFP Board currently oversees more than 70,000 CFP® professionals in the U.S. who advise individuals and families on a broad range of personal finance topics, including retirement, estate planning, taxes, investments, budgeting and insurance, among many others.

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Who are members of the Financial Planning Association?

Financial Planning Association members are those who commit to the highest standards of professional competence, ethical conduct and clear, complete disclosure to those they serve. They deliver advice using an objective, client-centered, ethical process. FPA membership consists of financial planners and all those who support the financial planning process.

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Important Information about the Financial Planning Day

The professionals at the Financial Planning Day have volunteered to provide free general financial planning information. By accepting this information without paying any costs or fees, you expressly agree that you will hold all individuals and parties associated with this event harmless regarding any action you may ultimately decide to take in connection with information, conversations, advice or recommendations you may receive at the event. Any facts, recommendations or advice you may receive at the Financial Planning Day are for informational purposes only, and reliance on it is solely at your own risk. No client, representative or agent relationship may be formed at the event. The Financial Planning Days Consortium does not recommend or endorse individual professionals or professional services.

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Unless otherwise noted, the content, program names and related elements are owned collectively by the Financial Planning Days Consortium.

We hope the following information helps answer your questions about the Financial Planning Day. If you have a question not answered here, please feel free to contact us at info@financialplanningdays.org or 877-861-7826.

What should I bring to the Financial Planning Day?

You are welcome to bring a battery-powered calculator or laptop, but please note that wireless internet connection may not be provided. A notepad and a pen will be provided.

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What is the dress code?

Business casual attire is recommended.

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Why am I not allowed to distribute business cards or marketing materials?

The Financial Planning Day is organized to increase public awareness of the importance of financial planning and to offer pro-bono access to competent and ethical financial planning to those who may not otherwise seek it. We hope to educate consumers that financial planning is more than investment sales or an insurance policy, and to provide a starting point for those consumers who are intimidated at the thought of committing to an ongoing financial planning engagement. Attempting to form a planner-client relationship or attempting to sell any products or services during the event would defeat the very purpose of the Financial Planning Day.

Although volunteers are not allowed to distribute business cards or marketing materials, volunteers’ names and contact information will be included in the event handout provided to attendees. So, it is possible that someone you spoke with may contact you after the event.

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What financial planning topics will I be discussing with attendees?

Attendees will be informed that all volunteers hold the CFP® certification and are well-qualified to discuss a wide variety of financial topics. You are welcome to discuss any financial planning topics that you are comfortable discussing.

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How much time will I spend speaking with each attendee?

To make the Financial Planning Day experience available to as many attendees as possible, conversations will be limited to approximately 15 minutes, whenever necessary.  You are welcome to extend the conversation beyond 15 minutes if there aren’t any attendees waiting for a volunteer.

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How many attendees will I speak with at one time?

During one-on-one counseling, you will assist one individual or one couple at a time.  If you are presenting an educational workshop, you will be speaking to groups of individuals.

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Will my expenses for volunteering be covered?

While breakfast, lunch and refreshments may be provided for volunteers, other expenses, such as travel and lodging will not be covered.

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Unless otherwise noted, the content, program names and related elements are owned collectively by the Financial Planning Days Consortium.

CFP® professionals volunteering as financial planners at Financial Planning Days are required to review the Financial Planning Day Boot Camp.

The Boot Camp consists of a 50-minute online presentation and an accompanying handout.

Information in the Boot Camp will help prepare you for the Financial Planning Day and help you get the most out of your experience as a volunteer. After you review the presentation and the handout, you will have satisfied the volunteer Boot Camp requirement.

If you would like to be a volunteer but have not yet registered, you can begin by finding an event near you.

Important Note

CFP® professionals who complete the Boot Camp may qualify to receive one Continuing Education (CE) credit from CFP Board at no cost. The CE credit is available only to CFP® professionals who have not already received CE credit for this course in their current certification cycle.

In order to receive the CE credit, you must pass an online exam testing your understanding of the content in the Boot Camp. The exam is available here.  Before you can take the exam, you will need your CFP Board ID Number and the code from the Boot Camp online presentation.

Upon passing the exam, The Foundation for Financial Planning will process the CE on your behalf with CFP Board and you will receive your credit as of the date you passed the exam. Reports are sent to CFP Board twice a month. If your certification expires at the end of the current month, we encourage you to self-report the credit using CFP Board’s website to avoid any penalties CFP Board may apply for not renewing your certification on time.

The Foundation will also notify you if you did not pass the exam. You are allowed to take the exam a maximum of two times. If you do not pass the exam on your second try, no CE will be awarded for this program.

If you have any questions regarding the Boot Camp, please contact Noreen Coughlin at the Foundation for Financial Planning at Noreenc@foundation-finplan.org.