Employment of personal financial advisers
is expected to increase 41 percent between
2006 and 2016.— Copyright 2009 CareerBuilder,
LLC—Reprinted with permission
Attend our FREE Information
Session for the Personal
Financial Planning Program
on August 4.
CONTINUING AND PR O F E S S I O N A L E D U C AT I O N
Personal Financial Planning
The Personal Financial Planning Certificate Program provides you with the knowledge to help people
define and attain their financial goals. The current economic turmoil, coupled with an increasing
number of professionals approaching retirement, is increasing the need for qualified financial
experts. The UC Davis Extension Certificate Program in Personal Financial Planning meets the
CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc., educational requirements to
qualify for the CFP® Certification Examination.
Key foundational courses offered during Employee Benefits in Personal
other academic quarters: Financial Planning
Fundamentals of Personal Gain an understanding of fiduciary responsibil-
Financial Planning ity requirements in connection with retirement
Examine the financial planning process model plans, as well as how to evaluate taxation of
and financial planning subject areas. Learn benefits received and alternatives in choosing
financial modeling techniques and the basics of the appropriate plan.
money psychology and counseling skills.
Income Taxation in Personal
Learn to recognize the many opportunities
for successful income tax planning, as well as
the occasional dilemmas that arise in personal
Risk Management in Personal
Gain an understanding of risk management.
Learn to determine insurance needs, assess
various insurance plans and evaluate contract
selection criteria from a cost/benefit standpoint.
CertiFiCate Program in Personal FinanCial Planning • Quarterly sChedule oF Courses
REQUIRED COURSES (24.5 UnItS) # UnItS F W SP SU
Principles of Financial Analysis 3.5 ■ ■
Fundamentals of 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 Benefits in Personal Financial Planning 3.5 ■
thERE aRE nO ElECtIvES In thIS PROgRam.
■ Classroom format
Schedules are subject to change. Check our website for the latest schedule and course information:
www.extension.ucdavis.edu/business or call (800) 752-0881. F=Fall W=Winter SP=Spring SU=Summer
UC Davis Extension does not certify individuals to use the CFP®, CERTIFIED FINANCIAL PLANNER™ or certification marks.
CFP® certification is granted only by the Certified Financial Planner Board of Standards, Inc., to individuals who, in addition to
completing an educational requirement such as the CFP® Board-Registered Program, have met its ethics, experience and examina-
Fall Personal Financial
You may take any of these courses individually or as part of the certificate program.
FREE I n Fo RmAtIo n SESSIo n
Personal Financial Planning Certificate Program information session
If you’re considering a career in financial planning or just want to improve your own personal
investment skills, you won’t want to miss this free information session for UC Davis Extension’s CFP®
Board Registered Personal Financial Planning Certificate Program.
Please plan to attend and meet with our staff, faculty and industry leaders to discuss and learn
about career trends; CFP® examination requirements and process; course sequence, content and
focus; and answers to frequently asked questions. This program is registered with the CERTIFIED
FInanCIal PlannER™ Board of Standards, Inc.
R E S E RVE YO U R S EAT TO DAY!
Aug. 4: Tues., 5:30-7:30 p.m. • Enroll in section 091OPE300. • Sacramento: Sutter Square Galleria, 2901 K St.
Principles of Financial Financial, ISBN 1419559818, available at www.
Analysis Investing Made Simple, by Larry Swedrow,
3.5 quarter units academic credit, X420.11. ISBN 9780976657422.
Whether you are managing your own money NORBERT WAGNER, M.S., currently works
or serving clients as a financial adviser, the with a private association on business plan
concepts of cash flow analysis and Time Value development and execution. He has a certificate
of Money (TVM) are the foundations of sound in financial planning and successfully com-
financial decision-making. Learn the funda- pleted the CFP® examination.
mentals needed to comprehensively analyze a
client’s or your own financial situation. Develop ■ 10 meetings.
your ability to evaluate mortgages, choose the ■ Sept. 15-Nov. 17: Tues., 5:30-9 p.m.
most appropriate savings plan, understand ■ Sacramento: Sutter Square Galleria,
annuities, determine bond Yield to Maturity 2901 K St.
(YTM) and price, and analyze stock market and ■ Technical requirements: Certain elements
real estate investments. of this classroom class will be conducted
online. You must have a computer with
This course is required to complete the Personal access to the Internet and an email account
Financial Planning Certificate Program in order to complete this course.
and replaces Quantitative Tools of Personal ■ $720 ($770 if postmarked after 09/01/2009).
Financial Planning. An HP 12C calculator Enroll in section 092PER470.
is required; however, no prior experience is ■ Special discounts: Groups. FPA members.
necessary. You will need to have access to Excel
or a compatible spreadsheet.
Required Textbooks: Understanding Your
Financial Calculator, 4th ed., by Kaplan
“More than one in five Americans—
or more than 70 million people, including 500,000 in the Sacramento region—
will be 65 or older by 2030…the biggest aging evolution in history.”
—“U.S. seems unprepared for onslaught of aging boomers,”
~ Sacramento Journal, May 15, 2009
Investments in Personal Estate Planning
Financial Planning 3.5 quarter units academic credit, X420.9.
3.5 quarter units academic credit, X420.4. 35 hours MCLE credit.
35 hours DOI credit.
Examine various investment categories utilized
by financial planning practitioners. Gain Learn what all accountants, trust officers, attor-
knowledge of security laws and regulations, neys, life insurance underwriters and financial
time value of money, risk analysis, common planners need to know to solve estate planning
stock valuation and expected rates of return. problems. Examine tax objectives, business
Learn about market indicators and monetary interests, the unlimited marital deduction and
policy. Acquire the ability to apply fundamental saving the “second tax.” Acquire the knowledge
and technical analysis, and discover what to advise on holding title to property, lifetime
financial planners need to know about the gifts and trusts, wills and living trusts, life
bond market, yield curves, preferred stock, insurance and annuities and post-death tax and
convertible bonds, options, warrants, futures, legal problems. Review recent tax law changes.
mortgages, mutual funds, portfolio construc- Please read chapters one, two and three prior to
tion and management, and capital market the first class meeting.
Required textbook: Estate Planning for
Required textbook: Essentials of Investments, Financial Planners, 4th ed., by Michael A.
7th ed. (pbk), by Bodie, Kane and Marcus, ISBN Dalton, ISBN 9780974894560.
Prerequisites: Fundamentals of Personal
Prerequisites: Fundamentals of Personal Financial Planning, Income Taxation in
Financial Planning, Principles of Financial Personal Financial Planning, Principles of
Analysis or Quantitative Tools for Personal Financial Analysis or Quantitative Tools for
Financial Planning. Personal Financial Planning.
CHASE W. ARMER, CFP®, EA, M.S., is GINA LERA, J.D., is an attorney with Downey
a financial advisor for Planned Solutions, Brand, specializing in trusts and estates. Prior
Inc., where he has been a member of their to joining Downey, Lera was a partner with
Investment Management Committee since 1999. Wagner, Kirkman, Blaine, Klomparens &
Armer works with individuals and business Youmans in Sacramento. She is certified by the
owners who seek advice in all areas of financial State Bar of California as an estate planning,
planning. His particular expertise lies in trusts and probate law specialist, and has held
investments, retirement planning and income numerous positions on the Sacramento County
taxation. Bar Association Board of Directors.
■ 10 meetings. ■ 10 meetings.
■ Sept. 16-Dec. 2: Wed., 5:30-9 p.m. ■ Sept. 21-Nov. 23: Mon., 5:30-9 p.m.
(No meeting Nov. 11 or 25.) ■ Sacramento: Sutter Square Galleria,
■ Sacramento: Sutter Square Galleria, 2901 K St.
2901 K St. ■ $720 ($770 if postmarked after 09/07/2008).
■ $720 ($770 if postmarked after 09/02/2009). Enroll in section 092PER479.
Enroll in section 092PER474. ■ Special discounts: Groups. FPA members.
■ Special discounts: Groups. FPA members.
PERSonAl FInAncIAl PlAnnIng cAREER nIght
Please join us and explore career opportunities in the field of financial planning.
Cosponsored by UC Davis Extension and the Financial Planning Association of Northern
California, this free event brings together those interested in pursuing or exploring a career
in financial planning with successful financial planning firms and advisers. In spite of the
recent economic distress, financial planning continues to provide a great career path, and the
need to keep skills up-to-date is more important than ever. Bring your resume to share, or
just come to find out more about this fulfilling career. Come early for refreshments, to meet
our staff members and:
■ Explore financial planning as a career transition as well as its various tracks
■ Learn about internship opportunities with professional financial planning practices
■ Find out about educational requirements needed to sit for the CFP® Certification
■ Learn about networking opportunities with area professionals
■ Listen to knowledgeable practicioners speak about how they attained their own career goals
If you have questions, please call UC Davis Extension at (530) 757-8895.
■ Aug. 18: Tues., 5:30-8 p.m. (Registration begins at 5 p.m.)
■ Sacramento: Sutter Square Galleria,
2901 K St.
■ No Charge. Enroll in section 091PER500.
“The UC Davis Personal Financial Planning Certificate Program was an
obvious choice for 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 offered more. Not only were the instructors experienced financial
professionals, but so were many of my fellow students. The internship was
an outstanding experience, too. Working with a CERTIFIED FINANCIAL
PLANNER allowed me to apply classroom concepts to real work situations.”
~ Elaine Webb, EA
Need fiNaNcial plaNNiNg work experieNce?
The Personal Financial Planning Internship gives you practical experience in providing
financial planning services to clients. The 90-hour program includes three meetings with
the program coordinator and allows you to apply the knowledge gained in the certificate
program courses. For more information about starting your internship, please contact us at
(530) 757-8895. To start your internship this fall quarter, please call before September 15.
Organizations enrolling three or more people at the same time in the same course receive a
10 percent discount. FPa members receive a 10 percent discount.
Enroll as a group or team of three or more, and receive a 10 percent discount on each enroll-
ment. Team training allows you to share the learning experience with your co-workers, so
concepts and techniques learned are even easier to apply on the job. all registrations must
be submitted at the same time and fees paid with one check, credit card or purchase order.
Also of interest … STEVE MIKLOS is a licensed California
real estate broker and founder of Bentley
Mortgage & Real Estate Services in Folsom.
Investing in Income- He was elected to the Folsom City Council
Producing Real Estate in November 1994, and is currently serving
his third term. His fellow council members
Noncredit. appointed him vice mayor in 1995 and 2007,
Acquire the research techniques and analytical and mayor repeatedly from December 1997
skills you need to begin investing in real estate. through 2008. Miklos has also served as the
Discover practical opportunities to invest chairman of the Folsom Redevelopment Agency
in real estate with modest sums. With the Board and of the Folsom–El Dorado County
California real estate market at rock bottom, Joint Powers Authority, and currently serves
now is the time to think about investing. as chairman of the Local Agency Formation
Explore real estate as an investment oppor- Commission (LAFCO).
tunity for supplemental income, retirement ■ 1 meeting.
income or as a long-term portfolio diversifica- ■ Aug. 22: Sat., 9 a.m.-4 p.m.
tion strategy. Special attention is given to ■ Sacramento: Sutter Square Galleria,
structuring and analyzing deals, calculating 2901 K St.
return on investment and creating a group of ■ $210. Enroll in section 091REL307.
investors to fund equity investments. All types ■ Special discounts: Groups.
of properties are discussed, including one- to
Principles of Financial DANIEL D. ROSS, CPA, is president of the
Accounting Daniel R. Ross Accountancy Corporation, a
firm he founded in 1987, which specializes in
4 quarter units academic credit, X407.4. tax, business advisory, accounting and financial
planning services. Ross also teaches seminars
Examine accounting theory, principles and
through SCORE, a resource partner with the
practice. Learn about accrual account concepts,
Small Business Administration. His past experi-
transaction analysis, and recording and pro-
ence includes working for Price Waterhouse Co.
cessing (journals and ledgers) methods. Gain
an in-depth understanding of the preparation ■ 12 meetings.
and analysis of financial statements (income ■ Sept. 17-Dec. 17: Thurs., 5:40-9 p.m.
statements, balance sheets and cash-flow (No meeting Oct. 22 and Nov. 26.)
statements); sales and cost of sales; inventory ■ Sacramento: Sutter Square Galleria,
valuation; depreciation of operational assets; 2901 K St.
accounting for investments; and liability and ■ $695 ($745 if postmarked after
present value concepts. 09/03/2009). Enroll in section 092ACC101.
■ Special discounts: Groups.
■ For required textbook, go to www.extension.
ucdavis.edu/business. Click on Accounting,
then on the course name.
Ordering textbOOks fOr yOur class
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 from 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.
■ Order from a commercial bookstore in your area.
■ Order your book from an online bookstore. We encourage you to try an online service, such as www.bestbookbuys.com, which searches multiple
online bookstores for the best price and availability. Other ideas for online bookstores:
■ amazon.com ■ barnesandnoble.com ■ computerbooksonline.com ■ bigwords.com
Before ordering your book, please check the course information at www.extension.ucdavis.edu/business for 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. Please contact us at (530)
757-8777 or www.extension.ucdavis.edu/contactus.
enrolling is easy!
By Phone call toll free (800) 752-0881. From Davis or Woodland call 757-8777.
Please have your Visa, MasterCard, American Express or Discover account number handy.
By Fax to (530) 757-8558. If you are enrolling with a company purchase order, please fax a completed enrollment form along with
a copy of the purchase order. For security purposes, we can no longer accept credit card payments via fax.
in Person at our Registration Office, 8:30 a.m.-4:30 p.m., 1333 Research Park Drive, Davis.
online at www.extension.ucdavis.edu/business.
Tax deductibility of educational expenses If your plans change
Expenses of education — including registration fees, travel, meals and lodging — may be Refunds, less a $30 processing fee, will be granted if the request is received before the
deductible if they maintain or improve professional skills or meet the express requirement of second class meeting. At that time, you can also discuss transferring your enrollment to another
an individual’s employer. Contact a certified public accountant for more information, or visit program or sending a substitute. Requests for withdrawal without a refund must be received
www.irs.gov/taxtopics. before the last meeting of the course. Requests for withdrawals or refunds may be made by phone,
fax or in writing. Please include the student’s name, course title and course section number. For
information about other alternatives, call UC Davis Extension at (800) 752-0881.
fOr mOre infOrmatiOn
For general information, call UC Davis Extension at (800) 752-0881.
For specific program information, call the Business & Management Department at
(530) 757-8895, email firstname.lastname@example.org, or visit our website.
Create sunny futures
Financial planners are in demand more than ever.
Downturns, rising interest rates, loss of employment are
just a few of the economic roadblocks encountered in life. Enroll today!
Learn to maneuver the mine fields. Help others prepare
for stormy times, rise above market fluctuations and reach
their objectives. Learn. Advise. Actualize dreams. Visit us
on the Web.
For more information, call (800) 752-0881
or email us at email@example.com.
UC Davis Extension Nonprofit Org.
University of California U.S. Postage
1333 Research Park Drive Key Code PAID
Davis, CA 95618-4852 UC Davis
092 132-Z Z