Tuesday December 9, 2014 from 4:00 PM to 6:00 PM PST
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The City Club 
155 Sansome Street
San Francisco, CA 94104

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Holly Wilkerson 
Executive Director
FPA of San Francisco 
9630 Bruceville Road, #106-149
Elk Grove, CA 95757
Phone (877) 260-3218
Website www.fpasf.org

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Meeting Details

Tuesday, December 9, 2014
4:00 pm - 6:00 pm - Program
6:00 pm - 8:00 pm - Holiday Reception


The Great Balancing Act: Advising the Sandwich Generation

Chuck Bowes, CFP
Wealth Manager, Partner, Waypoint Wealth Partners
Gregg Clarke, CFP

Founder and Senior Financial Planner, Meritas Wealth Management
Karen Blodgett, CFP

Director of Wealth Management, Principal, Aspiriant


Thank You to Our Meeting Sponsor:


Program Description:
Per the Pew Research Center, 47% of middle-aged (ages 40-59) adults have parents over age 65 and dependent children. 15% of this "Sandwich Generation" provides financial support both to a parent and to their children. Oftentimes, members of this group are also providing emotional support and care-giving to these family members. It can be challenging to manage these financial, emotional and time demands while keeping on track to achieve one's own goals and maintain one's sanity and health. The Great Recession and weak recovery only exacerbated this situation by increasing the number of adult children failing to launch or returning home. Almost 75% of the Sandwich Generation provided financial support to an adult child in the past year.

Financial planners are in a position to help guide and support clients who find themselves in this situation.  How do you have a conversation with clients about the potential needs of their aging parents and children? At what point, do you incorporate financial assumptions related to this financial support into your retirement projections? How involved do you get in advising clients who have “boomerang” children who continue to be financially dependent on your clients? Come learn from a panel of local financial planners what they are doing to advise their clients and what resources they share with these clients.

Speakers' Bios:
Gregg Clarke, CFP, Founder and Senior Financial Planner
Gregg is the founder of Meritas Wealth Management, LLC, and has been a financial advisor since 1990. He has a passion for comprehensive financial planning services with an emphasis on goal setting, investments, asset allocation, and retirement planning. Gregg also works with many clients in the area of employee stock option planning. Prior to founding Meritas, Gregg was a partner with Willow Creek Financial Services. Gregg is a Certified Financial Planner (CFP), and has an MBA in Financial Planning from Golden Gate University. Gregg's undergraduate degree is in Mechanical Engineering from the University of California at Davis.

Gregg is past President of the Financial Planning Association (FPA) of San Francisco and continues to serve on the Programs Committee. He currently serves on the board of the Community Media Center of Marin and participates as an adjunct professor in the Masters in Financial Planning program at Golden Gate University in San Francisco.  He also participates in the FPA Residency program as a mentor.

Chuck Bowes, CFP, Wealth Manager, Partner, Waypoint Wealth Partners
Chuck Bowes is a Certified Financial Planner (CFP) with more than 10 years’ experience helping individuals and families achieve what’s most important to them by aligning their financial resources with their goals and values and providing sound objective advice to facilitate good decision making.

Prior to co-founding Waypoint Wealth Partners, Chuck co-founded Runyon and Bowes, a highly-regarded independent advisory firm with offices in Northern and Southern California. Earlier in his career Chuck guided highly functional large and small teams to achieve measurable results both financially and personally for all team members. Chuck had success in both large public corporations (NCR and AT&T) as well as small pre-IPO startups (Broadbase Software and Kana).

Chuck holds a BA in Business from San Diego State University; graduating Magna Cum Laude and recognized as the marketing student of the year in 1988. He went on to earn a graduate certificate, with distinction, from the UC Berkeley Personal Financial Planning Program. He is an active member of the Financial Planning Association, and served on the board of the FPA NorCal conference. Chuck is also passionate about serving his community through his work as a volunteer youth coach and his service on the City of Oakland Wildfire Prevention District.

Karen Blodgett, CFP, Director of Wealth Management, Principal, Aspiriant
Karen joined Aspiriant as an Associate Financial Planner in 2003 and in January 2008 she was named Principal and elected to Aspiriant’s Board of Directors. Her areas of expertise include financial planning, executive compensation issues, and retirement planning.

Prior to entering the financial planning profession, Karen worked in marketing for several major packaged goods organizations including PepsiCo and Nestle, as well as Bay Area start-ups Excite@Home and Sega.com. She began her career in 1986 as a compensation and benefits consultant with Hewitt Associates.

Karen is a member of the Financial Planning Association (FPA) and currently serves on the San Francisco chapter’s Board of Directors, leading their scholarship program as part of the Career Path Committee.

Karen attended Dartmouth College, where she earned a BA degree in Mathematics and Computer Science (Magna Cum Laude, Phi Beta Kappa) and an MBA from The Amos Tuck School of Business at Dartmouth. She completed the Personal Financial Planning Program at University of California-Berkeley in June 2003 and earned her Certified Financial Planner credential in May 2005.

4:00 pm - Registration and Networking
4:30 pm - Welcome and Announcements
5:00 pm - Presentations Begin
6:00 pm - Presentations End

Members Non-Members

Early Bird Registration
(Ends December 5, 2014)

$50 $75
Regular Registration (After December 5, 2014) $70 $95



You may register online after December 5, 2014, however, you will be charged the Regular Registration price. Online registration closes at midnight, December 7, 2014.

*This topic is currently being reviewed by the CFP Board for 1.0 hour of CE credit.


Holiday Reception
(Immediately After Meeting)
6:00 pm - 8:00 pm
The City Club, 155 Sansome Street, San Francisco

 Come spend a fun evening mixing and mingling with members and guests while you dine on
hors d'oeuvres and drinks! We hope you can join us!

Special Announcement: Cheers! The SF-Pro Bono Committee would like to salute members who have participated in a SF-Pro Bono event in 2014.  Can we buy you a drink at the Holiday Reception?  Please check the ("Pro-Bono Participant") box when registering for the December 9th Chapter Meeting indicating that you have participated in a SF-FPA Pro Bono event. We are thankful to all of our participants and hope to celebrate with you on December 9th.