Workshop Sessions and Speakers

The concept of Asset Allocation is designed to help all investors with diversification of their portfolio based on the time frame for their investments and the desired amount of risk one is willing to take. The plan is a custom model for each individual situation and should be adjusted, as investor's needs change. These changes might include the need for income, growth for retirement, college savings and other times in an investor's life where risk tolerance will be
different.

Glen Cheron , Financial Consultant, Golden 1 Financial Services

Hailing from the East Coast, Glen has been working in the Financial Services Industry for 8 years, the last 5 in Sacramento. Holding a variety of Investment and Insurance licenses and participating in many training programs, Glen focuses his attention to helping his clients develop a financial plan or strategy, and the different investment vehicles to available to implement the
plan.

Discover the simplicity of conservative investing. This panel discussion will cover why it makes sense to have something other than tech stocks in your portfolio. Gain knowledge on how and why to have fixed income investments as a portion of your portfolio.

Moderated by: Stuart Drown, Deputy Business Editor, The Sacramento Bee
Deputy business editor, Drown is a recent arrival to The Bee. Before moving to Sacramento, he was business editor of the Akron Beacon Journal. While a reporter in Akron, he covered the region's biggest industrial companies and later, the business of health care. before moving to Ohio, Drown covered the treasury market and the Chicago financial futures markets for Dow Jones News Service in New York. Drown is a native Californian. He studied at UC Berkeley, where he earned a bachelor's degree in economics and a master's degree in public policy.

Panelist: Michael Carter, Vice President, Financial Consultant, Merrill Lynch

Michael Carter graduated from Long Beach State University in 1967 with a degree in History. He then entered the Marine Corps and attained the rank of Captain. He later returned to Long Beach State to earn a Masters Degree, with honors, in Business Administration. For two years, Michael was the coeditor of business and economic broadcasting for radio station KFBK. He first joined Merrill Lynch in 1975, and later opened the Roseville office of Merrill Lynch as manager in 1993. Michael is a Certified Financial Manager and manages $140 million in client assets. He is currently the Municipal Bond Coordinator for the Roseville office. Michael resides in Folsom, California, with his wife and two sons.

Panelist: Carol Van Bruggen, CFP, Foord, Van Bruggen and Ebersol

Carol Van Bruggen is a partner of the firm Foord, Van Bruggen & Ebersol. Involved in the industry since 1979, she holds the designation as an Accredited Investment Management Consultant and Certified Financial Planner. As a Registered Investment Advisor and past President of the International Association for Financial Planning, Sacramento Chapter, she received the Chapter Service Award for 1992. Carol also has been past President of the Western Pension & Benefits Conference and has served on many non-profit organization boards. A familiar voice in the media, Carol`s financial advice has appeared in special financial sections of numerous newspapers. As well as making the airways on several radio stations as a business reporter, talk show host and guest, she has also appeared on Sacramento TV Channels KCRA, KOVR and KVIE. Additionally, Carol has co-authored the popular "Business Owner's Retirement Plan Survival Guide."

Panelist: Dan Calabrese, Pillar Point Capital Management

Historically, the market has always climbed upward over time. How and why does this occur? At this workshop learn why bear markets can't be ignored and the facts about past bear markets. Explore the differences between fluctuations, corrections and bull and bear markets. Morgan Stanley Dean Witter is a service mark of Morgan Stanley Dean Witter & Co. Services are offered through Dean Witter Reynolds Inc., member SIPC.

Moderated by: Kirk Mandlin, Senior Vice President and Branch Manager, Morgan Stanley Dean Witter

Mandlin is a Senior Vice President and Branch Manager of Morgan Stanley Dean Witter East Sacramento office. Mr. Mandlin has been in the Investment Securities profession since 1991 and was a recipient of the National Sales Director's Award. He is a frequent guest speaker throughout Morgan Stanley Dean Witter as well as Fortune 500 Corporations and non-profit organizations.

Panelist: Thomas Dillon, Vice President, Financial Advisor, Morgan Stanley Dean Witter

Thomas R. Dillon is a Vice President and a Financial Advisor with Morgan Stanley dean Witter. Since 1985 he has helped his clients with all aspects of wealth management techniques. Mr. Dillon focuses on Retirement Planning for both the individual and corporate accounts.

Panelist: Egan J. Gost, Financial Advisor, Morgan Stanley Dean Witter

Egan J. Gost is a Financial Advisor at Morgan Stanley dean Witter. Egan has a bachelor's degree in Business, and a Law Degree from the University of the Pacific. Prior to becoming a Financial Advisor, Egan spent several years in the legal industry doing estate planning, tax planning, and business planning. Egan currently assists individuals with financial, retirement, and educational planning. He assists businesses with their cash management and 401(K) plans. Egan is also an active participant in a variety of community service organizations.

Panelist: Walter McCurdy, Associate Vice President, Financial Advisor, Retirement Planning Specialist and Filetic Group Partner
Walter McCurdy is an Associate Vice President, Financial Advisor, Retirement Planning Specialist and partner of the Filetic Group within Morgan Stanley Dean Witter. Mr. McCurdy holds a BS degree in Chemistry from Tulane University and an MS degree in Analytical Chemistry from Governor's State University. Mr. McCurdy offers a full range of investment strategies for retirement planning, including 401(k) rollovers, 403(b) plans and lump-sum distributions, estate planning strategies and private wealth management.

In today's topsy-turvy market conditions, it's hard not to look at your mutual fund holdings and wonder whether you should be selling. This session will focus on how -- and how often -- to review your fund portfolio, the questions to ask at those times, and when and why to consider making changes.

Charles A. Jaffe, Personal Finance Columnist The Boston Globe

We all have money secrets - problems that may be rooted from our earliest childhood memories. Chronic money troubles, including compulsive spending, chronic debting, under earning and problems managing inherited wealth, are often less about dollars and cents than about the emotional and spiritual issues that underlie our relationships with money. Expand Your Mental Wealth will help you get a grip on the emotional behaviors that impact your ability to stick to a financial plan. Along with offering tools and learning about effective money management, this session will help you expose the emotional components that have shaped and continue to drive your self-defeating patterns with money.

Karen McCall, Founder, Director, The Financial Recovery Counseling Institute

Karen McCall is the director of the Financial Recovery Counseling Institute and an expert in the emerging field of financial recovery. Since 1988, she has helped hundreds of individuals and couples uncover the emotional patterns and triggers leading to chronic debting, compulsive spending, under-earning and low savings. She has been featured on the PBS series The Financial Advisors and in publications ranging from Money Magazine to Working Woman. Her new book, It's Your Money (Chronicle Books), is a journal and guide for achieving financial well being.

Exploring International Investing Opportunities

A well diversified portfolio includes investments in fixed income and equity investments, in both domestic and international entities. With many international markets providing excellent growth opportunities, now is a great time to learn about what opportunities lie outside of the United States. Beginning/Intermediate.

Jerry Lee Gardner, Golden 1 Financial Network Center

Jerry Gardner is a Financial Consultant with the Golden 1 Financial Services, a division of the Golden 1 Credit Union. He is a registered representative with Financial Network Investment Corporation, the broker dealer. He also holds a Life/Health Agent license with the Department of Insurance in California. He began his career in the Investment Industry in 1973, where he has been a broker and senior investment officer, including 10 years at E.F. Hutton - all in the Sacramento. He has been at the Golden 1 for the past 12 years, where he focuses primarily on financial and retirement planning. Jerry earned a Bachelor's degree in International Relations from Brigham Young University and a Master's Degree from CSU Sacramento in Government and International Affairs. He has completed courses in Financial Planning at University of California at Davis. He is listed in Who's Who in America for 1999 and 2000. He is also listed in the Who's Who in Finance and Industry for 1999 and 2000.

This seminar will include key areas of financial planning and explore issues such as:

• Assessing your current financial situation
• Protecting your family from unexpected events
• Saving and investing for education and retirement
• Taking full advantage of your biggest asset ñ your earning potential

The seminar will provide you with the knowledge you need to identify important financial options. Beginning/Intermediate.

Sandra C.A. Thomas, Personal Financial Advisor, American Express Financial Advisors

Sandra Thomas is the financial expert appearing regularly on KXTV Channel 10 morning news. For the past four years she has been on the Board of Directors for the Financial Planning Association (FPA) and has been involved with Money Counts since its inception. Ms. Thomas helps people meet the challenge of financing the present while planning for the future. She works with clients one-on-one to develop individualized strategies on the issues that matter to most of them: education for their children, effective retirement planning, and investment strategies to maximize earnings and reduce tax burdens. Ms. Thomas has comprehensive training in financial planning and products. She holds all licenses and registrations required to transact business, including registration with the National Association of Securities Dealers (NASD) and California securities and insurance licenses.

Fraud Prevention Tactics for Investors - "Hold on to that Nest Egg!"

Real life stories of the fraud methods used by scam artists to steal our investments. Bogus investments are sited which every investor should know and avoid. Also, descriptions are given as to how access is gained to investment portfolios, bank and credit accounts, real properties, and businesses. Step-by-step checklists are offered detailing how we can prevent financial losses along with information on how to properly safeguard the paperwork that secures our investments. Beginning.

Jim Blanco, Fraud Prevention Specialist, Fraud Prevention Services

James A. Blanco is one of only 150 Certified Forensic Document Experts in the United States and Canada. Sifting through forged, counterfeited and altered documents, Mr. Blanco offers professional expert opinions as to when documents lie or tell the truth. His 17-year plus career in the field includes Forensic Document positions with the U.S. Treasury Bureau of Alcohol, Tobacco and Firearms, the California Department of Justice, and the Sacramento Financial Crimes Bureau. His clients include corporations, companies in the banking and insurance industries, as well as businesses and law enforcement agencies from around the country. In addition to being an instructor on the faculty of St. John's University in Louisiana, Mr. Blanco also mentors interning Master's students from the University of New Haven's satellite campus in neighboring Citrus Heights. Author of the groundbreaking book, "Business Fraud; Know It and Prevent It," James Blanco is also a professional speaker Dan works with corporations in training personnel how to "fraud proof" their organizations by putting fraud prevention measures in place. His businesses, Fraud Prevention Services and Blanco Forensic Documents, are located in Roseville, California.

This seminar will provide information on how to recognize and avoid Internet stock manipulation and pump-and-dump schemes, as well as signs of financial reporting fraud and other traps for the investor.

Kevin Gross, Senior Attorney, Securities Exchange Commission

Kevin M. Gross is a Senior Attorney with the San Francisco District Office of the U.S. Securities and Exchange Commission. During his tenure at the Division of Enforcement, he has conducted a number of investigations involving financial reporting fraud, insider trading, internet stock manipulation and other violations of federal securities laws. Mr. Gross is a graduate of Stanford University and the UCLA School of Law.

Learn how to implement the different types of College Investment Strategies that are available to meet the soaring costs of higher education.

Michael Lee, CPA, MBA, Member Education Manager, Golden 1 Financial Services

Michael D. Lee, CPA, is the Member Education Manager with the Golden 1 Credit Union and an Investment Advisor Associate with Financial Network Investment Corporation. Michael spent 8 years as a practicing CPA with an international and local CPA firm. Since 1996, Michael has been in the financial services industry working with individuals as well as small business owners. His practice focuses on the advantages of asset management programs through Financial Network. Mr. Lee is a faculty member in the business departments of UC Davis and American River College. He has written several articles for publications and newsletters on the importance of well-educated and informed investing decisions. Michael is a well-known and respected speaker on a wide range of financial subjects. He also conducts a popular series of financial workshops throughout the year for Golden 1 members, employer groups and schools that help people understand the financial planning process and make better financial decisions. Michael is a member of the American Institute of Certified Public Accountants, the Society of Certified senior Advisors and the Institute of Management Accountants, for which he was president for 1992-1993.

You can expect to spend at least 20 years in retirement. As nice as it sounds, increased life expectancy can pose a big threat to your retirement savings. How can you ensure that your golden years really will be golden? Discover the steps you need to build a solid financial base for your leisure years. Morgan Stanley Dean Witter is a service mark of Morgan Stanley Dean Witter & Co. Services are offered through Dean Witter Reynolds Inc., member SIPC.

Moderated by: Kirk Mandlin, Senior Vice President and Branch Manager, Morgan Stanley Dean Witter
Mandlin is a Senior Vice President and Branch Manager of Morgan Stanley Dean Witter East Sacramento office. Mr. Mandlin has been in the Investment Securities profession since 1991 and was a recipient of the National Sales Director's Award. He is a frequent guest speaker throughout Morgan Stanley Dean Witter as well as Fortune 500 Corporations and non-profit organizations.

Panelist: Rick Domenick, Financial Advisor

Rick Domenick is a Financial Advisor with Morgan Stanley Dean Witter. He has a business degree from Moorpark Community College. Since 1985, Rick has focused his investment recommendations on sound financial planning and asset allocation. Rick has successfully completed financial management courses offered by the Life Underwriters Training Council. He is actively involved in community services in the Sacramento area and recently served as President of the Kiwanis Club of Roseville.

Panelist: Ingrid Lockhart, Senior Vice President, Financial Advisor, Morgan Stanley Dean Witter

Ingrid Lockhart, Senior Vice President and Financial Advisor, has been with Morgan Stanley Dean Witter for 21 years, and was formerly Director of IRA and Client Retirement Plan Services nationwide. Currently, Ingrid and her team, the Lockhart Group, provide comprehensive investment and retirement planning. Ingrid is a graduate of the Senior Financial Advisor Program with the Wharton School, and a member of the firm's prestigious President's Club.

Panelist: Ruben H. Martinez, Vice President, Financial Advisor, Morgan Stanley Dean Witter

Ruben H. Martinez is a Vice President and Financial Advisor. He has been with Morgan Stanley Dean Witter for 17 years. Mr. Martinez holds a BS degree in Business and Economics from the University of Tampa, FL, and a Jurist Doctorate from King Hall School of Law, UC Davis. Mr. Martinez retired from the US Airforce as an Adjutant General Mobile Force U.S. Strike Command. Mr. Martinez concentrates on estate planning, retirement planning and private wealth management.

It is estimated that by the end of 2000 there will be nearly 20 million online accounts, up from essentially zero five years ago. By 2004, it is estimated there will be 80 million investment accounts in the US, half of which will represent online accounts. For individuals considering investing or just getting started, educational resources and programs provide the information to help first-time investors learn different ways to invest and help overcome unfamiliarity with the market. Mrs. Nelson will provide background information on Ameritrade, one of the world's leading providers of online brokerage services, and discuss the various investing services available. In addition, an online demonstration will show attendees how to open an online account, research stock quotes, company information and market news, and place basic stock orders.

Anne Nelson, Vice President of Marketing and Product Development Ameritrade

Anne L. Nelson is vice president of marketing and product development of Ameritrade, Inc. Ameritrade, Inc. is a subsidiary of Ameritrade Holding Corporation and is a leading, innovative online brokerage firm located in Omaha, Nebraska. Mrs. Nelson oversees a $200 million advertising campaign including print, broadcast, direct mail and E-marketing. She also is responsible for the development of new products and services to enhance the Ameritrade customer experience. Mrs. Nelson has an extensive marketing background in financial services, including brand management, product development, database management and customer marketing. Mrs. Nelson joined Ameritrade in November 1999. Previously, she served for six years as the executive vice president of marketing for HSBC Bank USA, where she headed retail, corporate and investment marketing for the United States. During her tenure she directed the brand identity change from Marine Midland to HSBC, which was part of HSBC's global transition to a single brand name. Prior to HSBC, Nelson spent 10 years with CoreStates Financial Corp, located in Philadelphia, in a number of senior level positions in their retail marketing, credit card and acquisition divisions. Mrs. Nelson received her MBA from Temple University and holds a B.A. from LaSalle College. Located in Omaha, Neb., Ameritrade, through the use of innovative technology and marketing, has grown significantly and evolved into its present corporate structure. Today, Ameritrade Holding Corporation (www.amtd.com) is a publicly traded company [Nasdaq: AMTD] and a recognized national leader in brokerage services such as trading, securities clearing, and other financial services for the public and other institutions. The company's major subsidiary firms include: Accutrade, Inc., Ameritrade, Inc., AmeriVest, Inc., OnMoney, Inc. and Advanced Clearing, Inc., a highly regarded securities clearing and financial services firm.

Picking Hot Stocks

This presentation is an investor's guide to identifying and selecting hot stocks now and in the future.

Moderated by: Bob Shallit, Business Editor, The Sacramento Bee

Shallit is the editor of The Sacramento Bee's business department and previously was an assistant business editor and business reporter for the paper. Before joining The Bee in 1982, hew was an editor and reporter at the Anchorage (Alaska) Daily News and the Tacoma (Wash.) New Tribune. He also has worked as a correspondent for the Wall Street Journal and Newsweek. His book, California: Triumph of the Entrepreneurial Spirit, was published by Windsor Publications in 1990.

Panelist: Joe Milam, President Legacy Capitol Management

Milam is president of Legacy Capital Management Inc., a Roseville money-management firm. The company's average account is about $2 million; the minimum is usually $1 million. Legacy Capital's approach is to buy stocks based on cash flow created by inflation-adjusted book value, a sophisticated valuation strategy founded by Holt Value Associates of Chicago. Milam bought the firm from a Lichtenstein bank and relocated it from Menlo Park in 1996.

Panelist: Jack Sirard, Associate Business Editor, The Sacramento Bee

Sirard has been a business columnist at The Sacramento Bee for 15 years, specializing in personal finance and the markets. Sirard is also currently leading the Bee's stock market contest. He is the father of four, a Special Olympics coach and an investor of 25 years. Prior to The Bee, Sirard was with the San Jose Mercury News.

Panelist: Lynn Smith, First Vice President, Financial Advisor, Morgan Stanley Dean Witter

Lynn Smith is First Vice President and a Financial Advisor with Morgan Stanley Dean Witter. She is trained in retirement planning (individual and corporate), fixed income securities, equities, insurance, and annuities. In addition to Dean Witter's extensive resources, she has contact with equity, bond and economic analysts, as well as tax and retirement planning specialists - allowing her to help investors make informed decisions.

Planning for Retirement...Or Just Hoping it Will Happen?

The average person spends more time planning for a vacation than they do thinking about financial security in retirement years. The seminar offers a wake-up call about the need for "Planning for Retirement" by focusing on three areas:

• The Investments Available (Personal Retirement Plans, Employer Retirement Plans, Other Sources of Income)
• The Retirement Planning Process (The Retirement Budget, Obstacles to Overcome)
• Some Strategies to Consider to Make the Money Last (Social Security Timing, Retirement Plan Distribution Rules).
  What are the benefits to the audience? What will they take away?

Clear up some of the confusion that exists in understanding Traditional and Roth IRA's

• Better understand the key components of employer plans
• Begin the Retirement Budget thought process
• Consider the two major obstacles to success-taxes and inflation and their impact on retirement savings
• Basic understanding of the distribution rules for retirement plans

Beginner/Intermediate

Boni Callaway, Manager, Investor Education, Invesco Funds

Ms. Callaway began her career in the investment industry in 1990 and joined INVESCO Funds Group in 1993. Ms. Callaway was instrumental in developing a program on mutual fund education. The program provides complimentary educational seminars across a spectrum of interests from Mutual Fund Basics to Women and Investing and Retirement Planning. Ms. Callaway currently serves as Manager Investor Education where she manages and promotes local and national speaking opportunities for senior management and the Investment Division. She also represents INVESCO as a public speaker at various national events in lieu of senior management. Ms. Callaway has appeared on radio and TV, and has been interviewed by the press to discuss women's issues, retirement issues and investing for kids concepts. ms. Callaway's background includes extensive teaching experience from teaching tax classes for H&R Block, Inc. French in high school, soldiers enrolled in the G.E.D. program, and creating, coordinating, and teaching an Art Appreciation Program in Norfolk, MA. She was also a tax prepared, tax instructor and office manager for H&R Block during her fourteen years of service with them. She has a BA in French from Elmira College in Elmira, New York and has a Series 6 and 63 license. She is also a Chartered Mutual Fund counselor and an IRS Enrolled Agent.

The seminar will cover the fundamentals of sector funds as well as address the following:

• What are the benefits and risks associated with sector investing?
• Who should (or shouldn't) invest in sector funds?
• Techniques for investing in sector funds.

General rules of thumb for sector investing - things to look out for and pitfalls to avoid

Mark Jenkins, Mutual Fund Consultant, Fidelity Personal Investments and Brokerage Group (FPIBG)

Mark Jenkins is a mutual fund consultant with Fidelity Personal Investments and Brokerage Group (FPIBG), a division of Fidelity Investments (R), the nation's largest mutual fund company and leading provider of financial services. He is responsible for providing Fidelity's investor center and phone representatives with updates, information, and analysis on Fidelity's extensive mutual fund product line. Mr. Jenkin's joined Fidelity in 1987 as a representative within Fidelity's retail organization in Boston. After taking a few years to work on political campaigns in California, he returned to Fidelity's legal department. Mr. Jenkins has held several positions within Fidelity's product management and development groups where he has assisted with the launch of new mutual funds. Mr. Jenkin's received a bachelor's degree in political science from Northeastern University in 1991.

The quality of retirement life may depend on the financial decisions a person makes at retirement. Distribution methods, tax alternatives, investment strategies and case studies will be presented.

Dick Lohmeyer, Certified Financial Planner, The Golden 1 Financial Services

Richard is a Certified Financial Planner and licensed life and disability insurance agent. He is a Financial Consultant with Financial Network Investment Corporation (FNIC). FNIC is a full service Broker/Dealer and Registered Investment Advisor, providing financial planning, investment advice and brokerage services. Richard entered the financial services industry in 1982 and has built a clientele comprised mainly of individuals and small business owners. In his practice, emphasis is place on intelligent decisions. He offers various asset management and "wrap fee" programs through FNIC. Richard incorporates his knowledge and experience in helping clients more effectively work toward their financial goals. Richard graduated from Sacramento City College and majored in engineering at California State University. He completed the Certified Financial Planner Professional Education Program at the College for Financial Planning, Denver, Colorado. He is a member in good standing of the Institute of Certified Financial Planners.

This session is primarily geared to those in the "Accumulation Phase" of life. It includes a realistic overview of how to set and reach financial goals. Attendees will get answers to some of the most commonly asked questions, such as: "How much do I need to put away each month?" and "How do I get my money to work as hard as I do?" Beginning.

Bill Hagerty, Area Director, Money Management Seminars

Bill Hagerty is a Senior Educator and Contributing Editor to Financial News Digest, a nationally distributed publication for effective money management. Mr. Hagerty is a featured presenter for our corporate clients, which are among the nation's leading corporations. He is also a full-time financial services professional, licensed with the NASD as an Investment Adviser, the State Insurance Commissioner, a Licensed Life & Health Underwriter, a member of the Financial Planning Association and the President's Council. His practice has centered in Northern California since 1985. Mr. Hagerty resides with his wife and five children in Roseville.

Numerous websites across the Internet attempt to help investors make financial decisions. This session/workshop for beginning and intermediate level investors will provide a context for using web-based tools to help manage your financial life. Advantages and shortcomings of web-based advice will be reviewed, along with a Do's and Don'ts list for Advice seekers. The workshop

will emphasize financial management over individual stock selection.

Joel Allen, Manager of Internet Strategy and Development, American Express Financial Advisors.

Allen has designed and developed several Internet financial advice tools, and has general responsibility for improving customer experience for all financial services areas on the American Express site. He has also

worked extensively in marketing research, marketing, and product development.

Socially Conscience Investing: How You Can Align Your Investments with Your Values

In this session you will learn how to select investments that can enhance your financial future and can work for the values you believe in. The speakers will discuss the history of socially conscious investing, criteria used to select or exclude companies, and how they perform relative to traditional investments.

Geoffrey Ashton, Regional Vice President, Calvert Group

Ashton has worked in the social Responsible Investing field since 1987 and lectures on the subject to numerous Universities and Colleges. He lives in the San Francisco Bay Area, and represents the Calvert Group, the largest manager of socially responsible assets in the country. Ashton has a degree in Marine Engineering from Liverpool University in the UK.

Bob Dreizler, CLU, ChFC, Chartered Financial Consultant Financial Consultant, Walnut Street Securities

Dreizler is a Sacramento Chartered Financial Consultant who specializes in socially conscious investing. He is also a freelance writer who has had more than eighty financial columns and essays published. He also wrote "Tending Your Money Garden," a humorous yet practical money management primer.

With Tax Laws ever changing, it is becoming increasingly difficult for the average taxpayer to keep up! this session will provide a solid foundation for proper long term tax planning as well as some creative ideas for immediate income tax reduction. 401(k) distributions, Pension Maximization and Income Tax reduction.

Bill Hagerty, Area Director, Money Management Seminars

Bill Hagerty is a Senior Educator and Contributing Editor to Financial News Digest, a nationally distributed publication for effective money management. Mr. Hagerty is a featured presenter for our corporate clients, which are among the nation's leading corporations. He is also a full-time financial services professional, licensed with the NASD as an Investment Adviser, the State Insurance Commissioner, a Licensed Life & Health Underwriter, a member of the Financial Planning Association and the President's Council. His practice has centered in Northern California since 1985. Mr. Hagerty resides with his wife and five children in Roseville.

The Basics of Investing

This is a one-hour question and answer period aimed at novice investors. Sirard and Dreizler will be looking for all the questions that you've always wanted to ask about investing and/or financial planning.

Bob Dreizler, CLU, ChFC, Chartered Financial Consultant Financial Consultant, Walnut Street Securities

Dreizler is a Sacramento Chartered Financial Consultant who specializes in socially conscious investing. He is also a freelance writer who has had more than eighty financial columns and essays published. He also wrote "Tending Your Money Garden," a humorous yet practical money management primer.

Jack Sirard, Associate Business Editor, The Sacramento Bee

Sirard has been a business columnist at The Sacramento Bee for 15 years, specializing in personal finance and the markets. Sirard is also currently leading the Bee's stock market contest. He is the father of four, a Special Olympics coach and an investor of 25 years. Prior to The Bee, Sirard was with the San Jose Mercury News.

The Right Way to Hire Financial Help

In most cases, the choice of an adviser is far more important -- and potentially damaging -- to a person's financial future than the choice of what investments to buy. You're not only buying expertise, you are buying trust and confidence and trying to strike up a profitable relationship that will last a lifetime. That's not easy. This session will focus on what to look for -- and where to look -- in your search for a competent, qualified, trustworthy financial adviser. (Charles A. Jaffe wrote the book "The Right Way to Hire Financial Help.")

Charles A. Jaffe, Personal Finance Columnist, The Boston Globe

We've all heard about them. Some of us don't understand them. Some of us have already created them. Many of us need a better understanding of trusts and the benefits and problems associated with them. Essentially, a revocable living trust is a legal arrangement between three parties - the grantor or settler, the trustee and the beneficiary. All three parties may be the same person(s). Trusts are ordinarily used to avoid the problems of probate which otherwise can potentially deplete an estate by tens of thousands of dollars, particularly if the estate includes real property. Secondarily, trusts can be extremely beneficial for reducing estate tax liability. Unfortunately, many trusts were drafted in the "Trust Mill" explosion of the late 80's and early 90's were inappropriately structured, and never understood. Tremendous problems can result from these potentially dangerous documents.

Tom Leigh, Attorney, Law Offices of Ann Herring and Thomas Leigh

Tom Leigh is a member of the State Bar of California since 1986. He is also a member of the California Estate Planning, Trust and Probate Law Section, and is a former Captain US Air Force 1974 - 1981.During last 7 years of his practice, Mr. Leigh has emphasized all aspects of estate planning, and has drafted more than 1,000 trusts. He has conducted well over 100 seminars on various estate planning topics and appeared on several estate planning radio talk show programs including several on KCTC in Sacramento as well as KSDO, KPOP and KSPA in San Diego, CA. Mr. Leigh is a graduate of University of San Diego School of Law, Juris Doctor, 1985 and a graduate of University of California at Los Angeles, Bachelor of Arts, 1974.

U.S. Treasury Overhauls IRA Rules - What You Need to Know

On January 11, 2001, the IRS released proposed regulations that affect the taxation of your IRAs, 401(k)s and other retirement plans. In addition to covering these proposed regulations, we will cover the concept of the multi-generation IRA, a retirement distribution strategy that allows you to defer income taxes throughout the life-item of your children and grandchildren. This workshop should be attended by anyone who is currently taking distributions from their IRAs, 401(k)s and other retirement plans, or those who plan to within the next ten years. Advanced.

Stephen Westlake, CFP, CFS, CLU, Retirement Distribution Specialist, Westlake, Grahl, and Glover, a financial advisory branch of American Express Financial Advisors

For the past 15 years, Stephen Westlake has assisted clients in achieving their financial objectives - prudently and thoughtfully - through a long-term relationship based on trusted and knowledgeable advice.