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Hosted by Northeast Florida FPA

Quarterly Education Meeting

Session 1: Behavioral Biases in Financial Decision Making with Oliver Schnusenberg, PhD, CFP®,

Behavioral finance and behavioral economics has begun to challenge the Efficient Markets Hypothesis in recent decades and, in many instances, replaced it. Behavioral biases and heuristics are now widely accepted phenomena that underlie our decision making processes, often resulting in less than optimal decision making by clients and advisors alike.
Application for continuing education has been filed with CFP Board.

Session 2: Truth About Estate Planning for Financial Advisors with
Jeffrey A. Cramer, JD
 
The truth about estate planning is that most estate plans just don't work. Many plans focus on the documents instead of the results. This session taught by estate planning attorney Jeffrey A. Cramer focuses on the results, uncovers the pitfalls and drives home how the financial professional attorney can collaborate to enhance the outcome for their client.
Application for continuing education has been filed with CFP Board, .

Event Agenda
11:30 am - Registration
12:00 pm - Luncheon
12:30 pm - Program Begins
  2:30 pm - Program Concludes

Thursday, August 18, 2016
11:30 AM - 2:30 PM

Location

University of North Florida
Herbert University Center
12000 Alumni Dr
Jacksonville   FL   32224
 
Website for Location
Map for Location



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FPA Member - Aug 18, 2016 Chapter Education Luncheon - $35 $35.00
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Non- ember - Aug 18, 2016 Chapter Education Luncheon - $45 $45.00
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FPA Student Chapter Members - $20 $20.00
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Speaker Profiles

 


Jeffrey A. Cramer, JD
The Cramer Law Center, P.L.

Jeffrey A. Cramer holds an undergraduate degree from Vanderbilt University and a Doctor of Jurisprudence (J.D.), with honors, from the University of Florida College of Law, where he served on the Editorial Board of the Law Review. He has been admitted to practice law in all state and federal courts in Florida. With more than 35 years experience as a civil trial lawyer, Jeff successfully has handled a wide variety of personal injury and employment-discrimination claims, contract and family disputes, as well as probate and guardianship contests in both trial and appellate courts. Jeff also has been an adjunct professor of employment law at Florida Coastal School of Law, a frequent lecturer at continuing legal education seminars and has published several articles on civil trial issues.

Jeff has been certified by the Florida Supreme Court as both a circuit court and family mediator. He has received the highest rating from his peers, “AV” by the Martindale-Hubbell Company, is listed in the “Bar Register of Preeminent Lawyers” and “Who’s Who in American Law.” Jeff has served as Escambia-Santa Rosa County Bar Association President and both as Northwest Florida Chapter President and member of the National Board of Directors of the prestigious American Board of Trial Advocates.

The extensive trial experience gathered from handling thousands of diverse civil matters has provided the skills necessary for Jeff to embark on the next phase of his career, helping people and families to plan effectively for their future. For the past several years, Jeff has focused his law practice on estate planning, estate administration (including probate), guardianship and elder law. During this time he has developed a Three-Step estate planning process that is unique in Jacksonville. With Cramer Law Center’s “Life Legacy” program, Jeff keeps his clients’ estate plans current and up to date on an annual basis. He is a member of the National Network of Estate Planning Attorneys, an experienced, cutting-edge group of forward thinking lawyers who collaborate and educate on the latest estate planning laws and techniques. Jeff also is a certified legacy advisor helping clients pass on their wisdom along with their wealth. As a result, Cramer Law Center now offers clients the combination of the support of a group of experienced estate planning colleagues from around the country along with Jeff’s own extensive legal background and experience.




Oliver Schnusenberg, PhD, CFP®
University of North Florida

Oliver Schnusenberg was born in Germany, where he lived until 1989, when he moved to the U.S. In 1993, he received his B.S. degree in Hospitality Management from Lynn University in Boca Raton, FL. In 1995, he completed his MBA degree with a specification in Accountancy from the University of Illinois at Urbana-Champaign. In 1999, he received his Ph.D. in Finance from Florida Atlantic University.

Oliver has taught at St. Joseph’s University in Philadelphia and is currently a Professor of Finance at the University of North Florida. His work, which focuses primarily on Behavioral Finance, is published in a variety of journals, including the Journal of Financial Research, Energy Economics, and the Journal of Behavioral Finance. Oliver has co-authored a book entitled Closed-End Funds, Exchange-Traded Funds, and Hedge Funds, which was published by Springer in 2009.

In 2014, Oliver obtained the CFP® designation. He teaches in the Finance and Financial Services majors at UNF, is a member of the FPA, and is the advisor of the FPA Student Chapter at UNF. Since 2016, he is the Director of the Financial Services Program at UNF.



Sessions

Continuing Education, per session, show accepted hours, or info about CE status. Hover over hours or info for details.


DateCourse Title/DescriptionStartCFP®PACERFC
Aug 18, 2016 Registration and Networking 11:30 A
Luncheon and Chapter Meeting 12:00 P
Behavioral Biases in Financial Decision Making Oliver Schnusenberg, PhD, CFP® Behavioral finance and behavioral economics has begun to challenge the Efficient Markets Hypothesis in recent decades and, in many instances, replaced it. Behavioral biases and heuristics are now widely accepted phenomena that underlie our decision making processes, often resulting in less than optimal decision making by clients and advisors alike. Among the most pronounced biases are the various applications of Prospect Theory, which shows that individuals can engage in risk-seeking behavior to avoid losses. From a financial planning perspective, this means individuals may take on more risk than they would like. Mental accounting, which states that we deposit funds in different mental “buckets,” defies the notion that wealth is fungible. For example, I may have money set aside for a vacation and, refusing to spend those funds, will borrow to pay off a loan. While mental accounting can easily aid people in putting restraints on their spending behavior, it can also result in sub-optimal borrowing. In addition to these, this lecture will also include a discussion of overconfidence, the disposition effect, representativeness, and other biases which can cloud the decision making process of planners and clients alike. 12:30 P 1.00 1.00 1.00
The Truth About Estate Planning for Financial Advisors Jeffrey A. Cramer, JD The truth about estate planning is that most estate plans just don't work. Many plans focus on the documents instead of the results. This session taught by estate planning attorney Jeffrey A. Cramer focuses on the results, uncovers the pitfalls and drives home how the financial professional attorney can collaborate to enhance the outcome for their client. 1:30 P 1.00 1.00 1.00



Registration Fee
Member
$35.00
  Through  August 18 $35.00
Non-Member
$45.00
Through  August 18 $45.00