1A How to Select and Effectively Manage Your Banking

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					                                 Tentative Program of Events
                                                           Updated 4-20-09

  LEGEND: Orange = Day/Date, Brown = General Session/Activity, Yellow = Breakout
                       Sesions and Blue = Room Names

TUESDAY, MAY 5, 2009

10:00am – 5:00pm                            PFAC State Board Meeting
                                            Boardroom (Mission Inn)


10:00a.m. – 5:00 p.m.                       PFAC Pre-Intensive Course –
                                            “Navigating The Disability Benefits Maze – The Full Day
                                            Experience” (additional fee; 6.5 credit hours)
                                            Arlington Room (2nd Floor)

2:45 p.m. – 6:00 p.m.                       PFAC Hospitality/Conference Registration
                                            West Foyer

2:45 p.m. – 6:00 p.m.                       Exhibits & Silent Auction (auction closes at 5:30 p.m. May 7th)
                                            Refreshments and snacks available in back of room.
                                            Ben H. Lewis Hall North

                                               3:30 p.m. – 4:45p.m.
                                             BREAKOUT SESSION #1

1A: Tax Issues Of Conservatorship & Special Needs Trusts
(Person/Estate – Int/Adv)
La Sierra Room (2nd Floor)

A discussion of tax issues affecting conservatorships, guardianships and special needs trusts
including; medial expenses, the kiddie tax, household employment taxes, basis of assets,
prior year taxes and IRS transcripts

Presented by Sandy Kasten, Partner, Arnold Tax Service

1B: Public Sale Of Real Property In A Probate, Trust and Conservatorship Cases
(Estate – Beg/Int/Adv)
Arlington Room (2nd Floor)

Have you ever been to probate court and witnessed the wild bidding for real property in
front of the judge? Would you like to have that same kind of response to your property, and
not take the chance that people might show up in court to bid up the price? Come see how
wide exposure to the market and open voice bid auctions can create that same excitement,
especially if you have full authority under IAEA.

Presented by Larry Weiner, President, Flans & Weiner, Inc.

1C: The Road To Hong Kong - 3 Years That Changed Our Lives Forever
(Estate – Beg/Int/Adv)
Aviator’s Room (2nd Floor)

Learn the lessons Ted and Amelia learned while overseeing missionaries in Hong Kong that
helped heal their relationship with their youngest son. Learn how being responsible for 150
young men and women has made them better parents and grandparents. Ted and Amelia
will share lessons learned that have helped them to be more effective and gain greater
control of their lives.

Presented by Ted Ong, President, Prudent Investors Network

1D: Caring Options For Seniors
(Person – Beg)
Magnolia South Room

Estee will discuss how to better assess when your clients need residential care vs. home care.
She also will discuss the variety of senior care options in the community. Finally, she will
offer a Q&A session to discuss specific resource related issues.

Presented by Estee Bienstock, RN, Executive Director, ALLPOINT Home Health

6:00 p.m. – 7:00 p.m.                       Sponsor & Exhibitor Appreciation Reception
                                            By invitation only! Sponsors, Exhibitors & PFAC Board
                                            Music Room (Mission Inn)

7:00 p.m. – 10:00 p.m.                      “California Missions” Welcome Reception & Live
                                            Piano music provided by Linda Corbitt, A Touch of Ivory
                                            Music Room (Mission Inn)


8:00 a.m. – 6:30 p.m.                       PFAC Hospitality/Conference Registration
                                            West Foyer

8:00 a.m. – 6:30 p.m.                       Exhibits & Silent Auction (auction closes at 5:30 p.m. May 7th)
                                            Refreshments and snacks available in back of room.
                                            Ben H. Lewis Hall North

8:15 a.m. – 9:45 a.m.                       Breakfast/Opening Session
                                            Keynote Presentation: “The Power of Appreciation”
                                            presented by Mike Robbins, Author, Speaker & Coach
                                            Raincross Ballroom (Victoria/DeAnza)

                                            Appreciation is one of the most powerful, yet overlooked
                                            aspects of successfully motivating and empowering people
                                            and teams. When individuals and organizations put more
                                            attention on what IS working, instead of focusing on
                                            “problems,” they thrive. Through this program, Mike
                                            Robbins illustrates exactly how appreciation impacts
                                            productivity, morale, and success.

                                                                               Mike Robbins is an expert in
                                                                               teamwork, communication, and the
                                                                               power of appreciation and authenticity.
                                                                               He delivers keynote addresses, leads
                                                                               customized seminars, and works one-
                                                                               on-one in a way that empowers people
                                                                               and organizations to work together
                                                                               effectively and be more successful.
                                            Mike has inspired tens of thousands of people to reach new levels of
                                            awareness and success, both personally and professionally through his
                                            talks, seminars, and writing. He teaches people to be more grateful,
                                            appreciative, and authentic with others and themselves. Mike is the
                                            author of the bestselling book, Focus on the Good Stuff: The Power of
                                            Appreciation (Hardcover, Jossey-Bass/Wiley, August 2007) and the
                                            new book Be Yourself, Everyone Else is Already Taken (Hardcover,
                                            Jossey-Bass/Wiley, April 2009).

9:30 a.m. – 10:00 a.m.                      Refreshment Break & Exhibits/Silent Auction
                                            Refreshments available in back of room.
                                            Ben H. Lewis Hall North

                                             BREAKOUT SESSION #2
                                               10:45 a.m. – 12:00 p.m.

2A: Effective Strategies When Dealing With Challenging Behaviors
(Person – Beg/Int)
La Sierra Room (2nd Floor)

Professional fiduciaries have enough on their plate without having to deal with some of the
challenging behaviors that their clients display. This session will provide attendees with
behavioral tools on how to effectively manage situations, so that they do not lead to costly

Presented by Bunni Dybnis, MA, MFT, CMC, -, LivHome Inc.; Steve Barlam, MSW, LCSW, CMC,
Chief Professional Officer/Co-Founder, LivHOME

2B: Estate Tax Administration In A Nut Shell
(Estate – Beg/Int)
Arlington Room (2nd Floor)

This session is to determine the need for the Estate Tax Return, Form 706, B. The time line
for an estate from before date of death to distribution, requesting of the EIN, IRS Fiduciary
notification and release from Liability. The Estate Tax Return, Form 706 and request for
early audit sec 2204. Being sure decedent's forms 1040/540 are current in the filing process.
The election for either a calendar or fiscal year return for the fiduciary forms and the
preparation of the fiduciary returns and the closing of the estate.

Presented by Franklin J. Ruedel, EA, President, Corp. Enrolled Agent, Franklin J. Ruedel, EA, Corp

2C: Stress Management From The Inside Out
(Person – Beg/Int/Adv)
Aviator’s Room (2nd Floor)

Life as a Fiduciary can be intense and stressful. Taking a calming break from stress and
focusing on self-care is essential. This interactive workshop is designed to help recharge,
revitalize and rejuvenate in mind, body and soul.

Presented by Fredda Wasserman, Psychotherapist

2D: Prudent Investing In A Volatile Market Environment
(Estate - Beg/Int/Adv)
Magnolia South Room

America is facing challenging times, ranging from the sub prime mortgage mess to
government bailouts to record stock market volatility. Lee Anke and Ted Ong will provide
valuable perspective and explain how application of the principles of Modern Portf olio
Theory mandated by the Uniform Prudent Investor Act can protect you and your clients
during these uncertain times

Presented by Lee Anke, CEO, Prudent Investors Network; Ted Ong, President, Prudent Investors

2E: An Ounce Of Prevention, Avoiding Fiduciary Litigation
(Estate – Beg)
Magnolia North Room

As the demand for fiduciary increases, as the economy continues to decline, and as tensions
mount, fiduciaries are increasingly targeted for litigation. Regardless of whether a particular
lawsuit has merit, avoiding them altogether increases career satisfaction for the fiduciary,
reduces stress for the clients, and minimizes the risks to both the client and the fiduciary.
This presentation will set forth several practices, which if implemented, will minimize the

risk of lawsuits and help the fiduciary improve the level of service provided to his or her

Presented by Brad Lovelace, Partner, Wingert Grebing Brubaker & Goodwin, LLP; Kristan Shepard,
Associate, Wingert Grebing Brubaker & Goodwin, LLP

2F: Planning With Special Needs Trusts
(Estate – Int/Adv)
Citrus Heritage Room (2nd Floor)

Planning with special needs trusts. Learn how to protect individuals receiving means tested
government benefits. Course will teach the administration of special needs trust and the
trustee can and should implement the trust in the least restrictive manner.

Presented by Barbara Bergstein, Esq., Partner - Attorney, Burgh, Balian & Bergstein, LLP

12:00 p.m. – 1:30 p.m.                      Lunch/Annual Statewide Membership Meeting
                                            MEMBERS ONLY
                                            Raincross Ballroom (Victoria/DeAnza)
                                            Note: Lunch provided in East Foyer for non-members
                                            and vendors.

1:30 p.m. – 2:00 p.m.                       Refreshment Break & Exhibits/Silent Auction
                                            Refreshments available in back of room.
                                            Ben H. Lewis Hall North

                                             BREAKOUT SESSION #3
                                               2:00 p.m. – 3:15 p.m.

3A: Learn The Secrets Of Testing And Diagnosis From Neuropsychologist.
(Person – Beg/Int/Adv)
La Sierra Room (2nd Floor)

Learn the secrets of testing and diagnosis from a neuropsychologist with special expertise in
the science of brain-behavior relationships. Assessment furthers diagnosis, treatment
and/or rehabilitation of patients with neurological, medical, neurodevelopmental and
psychiatric conditions, as well as orther cognitive and learning disorders.

Presented by Stephanie Moore, PsyD, ABPD, Neuropsychologist,Clinical Associate Professor, UC Irvine

3B: What Is This Thing Called Grief?
(Person – Beg/Int/Adv)
Arlington Room (2nd Floor)

Conservators and Trustees often experience intense grief when working with clients who are
facing end-of-life. Yet few have had training on this universal phenomenon. This workshop
will explore the normal grief process and how it impacts personal and professional lives.

Presented by Fredda Wasserman, Clinical Director, Our House Grief Support Center

3C: Discretionary Distributions: To Pay Or Not To Pay
(Estate – Adv)
Aviator’s Room (2nd Floor)

The exercise or non-exercise of a trustee's power to make discretionary distributions to or
for the benefit of a beneficiary is often one of the more challenging and contentious duties
of trust administration. This program presents a comprehensive review of the law and
discusses the administrative process relating to discretionary distributions.

Presented by James P. Bessolo, Senior Attorney, Northern Trust, NA

3D: Case Studies From Hell
(Estate – Beg/Int/Adv)
Magnolia South Room

Skilled trust attorney joins with experienced private fiduciary to share case studies, lead
interactive class discussion, and provide practical solutions for challenging trust issues.
When and how to use the Advice of Proposed Action and/or Petition for Instructions

Presented by Roberta J. Robinson, Attorney-Certified Specialist Probate Estate and Trust Law, Roberta J.
Robinson, A Law Corporation; Marguerite C. Lorenz – Enrolled Agent, Certified Trust and Financial
Advisor, Lorenz Fiduciary Services, Inc.

3E: Promoting Without Selling
(Estate – Beg/Int/Adv)
Magnolia North Room

This interactive workshop focuses on tools and techniques to help promote any business
without selling. Attendees will learn innovative methods and tools for promotion and
communication as well as participate in hands on exercises designed to reinforce learning.

Presented by Timothy P. Beck, President/CEO, Scavos's Consulting Company, Inc

3F: Financial Aid Programs For Long Term Care
(Estate – Beg)
Citrus Heritage Room (2nd Floor)

Review of the Medicare Catastrophic Care Act, Medi-Cal for Long Term Care, and the
veteran’s “Aid and Attendance Pension.” These programs are designed to prevent
impoverishment for those needing care.
Presented by William Earl Fisher, Owner, Asset Protection Service, Inc

3:15 p.m. – 3:45 p.m.                       Refreshment Break/Exhibits
                                            Refreshments and snacks available in back of room.
                                            Ben H. Lewis Hall North

                                             BREAKOUT SESSION #4
                                               3:45 p.m. – 5:00 p.m.

4A: Proactively Managing Care Thru Comprehensive Needs Assessment Of
Person(s) And Environment
(Person – Beg/Int/Adv)
La Sierra Room (2nd Floor)

Thru comprehensive needs assessment, care mangers can identify potential risk's) that would
result in injury or further disability or loss of function and independence. In turn, this would
result in cost savings to families and/or referral sources and maximize an individuals
potential for maintaining health and wellness.

Presented by Linda J. Stempel, RN, BS, CRRN, CCM, CDMS, CLCP, FIALCP Care
Manager/Life Care Planner, Advanced Health Services

4B: How To Select And Effectively Manage Your Banking Relationship
(FDIC/Safety and Soundness/Bank Regulations)
(Estate – Beg/Int)
Arlington Room (2nd Floor)

What should I look for in selecting a financial institution for my business? How do I know
how secure the bank is? Are my, and my client's, accounts insured? Why does my bank
require all this information? What can I negotiate with my bank? If you are not asking these
questions,perhaps you should be. If you do have these questions, you should definately
attend this informative class.

Presented by Kathy Meredith, Vice President/Relationship Manager, Community Bank; Larry W. Pyle,
FVP / Manager, Community Bank

4C: The $1000.00 Tennis Shoes: Being Proactive With Court Accountings
(Estate – Beg/Int/Adv)
Aviator’s Room (2nd Floor)

This session will explore common problems of court accountings for special needs trusts
and conservatorships. The instructor will discuss how to utilize annual assessments to
proactively address common concerns of the court.

Presented by Stephen W. Dale, Attorney at Law, The Dale Law Firm

4D: The Nuts & Bolts Of Accessing Health Coverage
(Person/Estate – Int/Adv)
Magnolia South Room

This session will provide a general overview of Private Health Coverage Programs that are
available to your consumers. It is designed to give you a better understanding of the primary
principles of each program and how they can benefit your consumers. Additionally, you will
be able to understand how individuals with pre-existing medical conditions are able to access
private health coverage under HIPAA provisions.

Presented by Daniel Fortuno, President & CEO of the Benefits Education Center, Benefits Education

4E: Capacity As A Vehicle To Decision-Making
(Person – Int/Adv)
Magnolia North Room

Capacity is the vehicle to decision making: whether it is medical or financial. Learn how
assessment plays a role in understanding how a person comprehends the risks and benefits
of important decisions and when dementia impedes these decisions.

Presented by Stephanie Moore, PsyD, ABN, Neuropsychologist,Clinical Associate Professor, UC Irvine

4F: Reverse Mortgages
(Estate – Beg/Int/Adv)
Citrus Heritage Room

The session will cover How reverse mortgages work, myths & misconceptions, when NOT
to get a reverse mortgage, fees asspciated with a reverse mortgage, common uses of a reverse
mortgage, how safe are reverse mortgages, perceived downside to a reverse mortgage,
sample scenarios and an opportunity for questions & answers.

Presented by Tom Pinocci, Reverse Mortgage Professional, Generation Mortgage - DBA California Reverse
Mortgage Company

5:00 p.m. – 6:30 p.m.                       Cocktail Reception with Exhibitors
                                            Silent Auction CLOSES at 5:30 p.m.
                                            Cashiers will be open in registration area from 6:00 to 6:30 p.m. on
                                            Thursday, May 7th and from 8:00 a.m. to 11:00 a.m. on Friday, May 8 th
                                            Ben H. Lewis Hall North

6:30 p.m. – 8:30 p.m.                       Gala Installation & Awards Dinner
                                            Raincross Ballroom (Victoria/DeAnza)

FRIDAY, MAY 8, 2009

8:00 a.m. – 2:30 p.m.                       PFAC Hospitality/Conference Registration
                                            Silent auction cashiers will be open in registration area from 8:00 a.m. to
                                            11:00 a.m. If you were a high bidder please claim and pay for your item(s)
                                            during this time.
                                            West Foyer

8:00 a.m. – 9:00 a.m.                       Deluxe Continental Breakfast & Exhibits
                                            Ben H. Lewis Hall North

                                             BREAKOUT SESSION #5
                                               9:00 a.m. – 10:15 a.m.

5A: How To Avoid Potential Tax Pitfalls In Trust Administration
(Estate – Beg/Int)
La Sierra Room (2nd Floor)

As a professional fiduciary who is responsible for tax preparation and financial matters for
your clients, you will not want to miss this session. You will learn the most up to date
information on tax filing requirements, your tax responsibilities, how to avoid potential tax
penalties, as well as tax filing requirements.

Presented by Erin Fukuto, Director, Estate, Gift & Trust Tax Services, HBLA Certified Public
Accountants, Inc.

5B: Practical Considerations For Fiduciaries: Working With A Nurse/Care Manger
(Person – Beg/Int/Adv)
Arlington Room (2nd Floor)

Lean how the fiduciary and professional R.N./care manager work together for the benefit of
conservatees, how this collaboration diffuses family conflict, and how the court views this
sharing of responsibility

Presented by Emily Stuhlberg, Professional Fiduciary and Care Manager, Emily Stuhlberg and Associates,

5C: De-Stressing In A Stressful World
(Person – Beg/Int/Adv)
Aviator’s Room (2nd Floor)

Stress Reduction has been proven to relieve anxiety, improve mood and sleep patterns.
Relaxation isn't just about peace of mind or enjoying a hobby, it is a process that decreases
the wear and tear of life's challenges on your mind and body. Learning basic relaxation
techniques isn't hard. Expore these simple relaxation techniques to get you started on de-
stressing lyour life and improving your health

Presented by Dusty L. White, Certified Licensed Professional Fiduciary (CLPF), DLW Fiduciary
Services, LLC

5D: How To Properly Structure Your Business And Protect Yorself From Liability
(Estate – Beg/Int)
Magnolia South Room

This program will identify the key business structures available for operating a fiduciary
business in the USA. Each structural option will be considered from the perspective of
taxation, risk management, liability, and ownership flexibility options. We will explore the
scope of risk associated with the fiduciary industry/role, and review the principles of liability
th apply. A Legal Audit tool will be presented which may be used as a framework for
analyzing an individual, business, or client risk management system. We will then shift focus
and look at developing tools for crafting business documents that address key concerns for
all fiduciary businesses.

Presented by Russell A. Davis, Principal/Owner, San Diego Business Law

5E: Locating And Verify Heirship
(Estate – Beg/Int/Adv)
Magnolia North Room

Judges require proof of heirship and proof that the executor has applied due diligence.
Fraud is rampant. This session will walk the lay person through their duties to prove and
document heirship as as painlessly as possibly.

Presented by James P. Thompson, Director, International Geneological Search

5F: Secrets Of Successful Property Management
(Estate – Beg)
Citrus Heritage Room

Maximize your clients investment returns and/or property value by increasing revenues and
controlling costs. Tips for win-win outcomes with difficult tenants, governmental
compliance issues, real estate & banking professionals

Presented by N.L. Martin, CEO, ProVista Professional Services, Inc.

10:15 A.M. – 10:45 A.M.                     Refreshments Break & Exhibits
                                            This is your last chance to visit with the exhibitors!
                                            Ben H. Lewis Hall North

                                             BREAKOUT SESSION #6
                                               10:45 a.m. – 12:00 p.m.

6A: The Three Short Questions And Honestly Long Answers About A Return To
(Person/Estate – Beg/Int)
La Sierra Room (2nd Floor)

This presentation addresses the three most commonly asked questions and their long
answers on return to work: How much can I make without affecting my benefits - How
does work affect by Medicare & Medicaid - if I start working when do my benefits end.

Presented by Daniel Fortuno, President & CEO of the Benefits Education Center, Benefits Education

6B: Dealing With Difficult People
(Person – Beg/Int/Adv)
Arlington Room (2nd Floor)

Do you work with some difficult people? As a fiduciary, you are in a position that requires
communication with many people, including: your client, family members, attorneys,
caseworkers and caregivers, court personnel. This tutorial will discuss what what makes
people difficult and how you can deal more easily with them by learning and utilizing simple
communication techniques.

Presented by Dusty L. White, Certified Licensed Professional Fiduciary (CLPF), DLW Fiduciary
Services, LLC

6C: Everything You Need To Know About Court Accountings
(Estate – Beg/Int)
Aviator’s Room (2nd Floor)

This session will explain and demystify the court accounting process. Record retention, the
new rules and formats for the accountings and how the accounting is put together.

Presented by Ellen Bessolo, Owner, Ellen Bessolo, CPA

6D: How To Avoid The Wild West Of Home Care
(Person/Estate – Int)
Magnolia South Room

Attendees will learn the current state of affairs within the "Private Duty" home care industry.
They will learn about techniques and tools they can implement to share custodial care
resources in the safest and most ethical way currently available.

Presented by Rick Davis, President, American Board of Home Care

6E: Receiverships Another Alternative
(Estate – Adv)
Magnolia North Room

An introduction to the courts use of receivers who are they and what do they do. Designed
for fiduciaries with strong business and/or real estate skills

Presented by Joseph F Etienne, Private Fiduciary, Etienne & Associates

6F: Mediation, What It Is and What It Isn’t
(Ethics – Beg/Int/Adv)
Citrus Heritage Room

The presentation will include a short history of Medication and its growing use in Alternative
Dispute Resolution. I will explain in the detail the difference between Mediation,
Arbitration and Litigation as well as the wide variety of mediator styles. We will discuss the
benefits of Mediation Training in your professional practice.

Presented by Richard E. Huber, CLPF, NCG, Professional Fiduciary/Mediator,
12:00 p.m. – 1:45 p.m.      Lunch/General Session
                            Keynote Presentation: “How to Live Up to Client
                            Confidentiality Responsibilities” presented by J. Scott
                                            Raincross Ballroom (Victoria/DeAnza)

                                            J. Scott Bovitz has been practicing law in Los Angeles since
                                            1980. Bovitz will help us understand the rules of the road
                                            regarding client confidences. Bovitz will conduct a group chat

                                                      Client confidences and expectations.
                                                      Legal framework.
                                                      Keeping confidences of the client.
                                                      Teaching your team to preserve confidences.
                                                      The impact of technology.

                                                                 Senior partner, Bovitz & Spitzer
                                                                 (http://bovitz-spitzer.com). Certified Specialist
                                                                 in Bankruptcy Law, California Board of Legal
                                                                 Specialization. Board Certified, Business
                                                                 Bankruptcy Law, American Board of
                                                                 Certification. AV rating, Martindale Hubbell.
                                                                 Selected by Los Angeles Magazine and Law &
                                                                 Politics Magazine as a "Southern California
                                            Super Lawyer,” 2004-2009. Executive editor, PERSONAL AND
                                            SMALL BUSINESS BANKRUPTCY PRACTICE IN
                                            CALIFORNIA. Songwriter and photographer (bovitz.com).

1:45 p.m. – 2:00 p.m.                       Closing Session/Grand Prize Drawing/
                                            Silent Auction Winners Announced
                                            Raincross Ballroom (Victoria/DeAnza)

      Thank you for joining us! Make plans NOW to participate in the 2009 Fall
   Conference scheduled for November 5-6 at Hyatt Vineyard Creek Hotel & Spa in
             Santa Rosa (the heart of the Sonoma Valley Wine Country.


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