Personal Financial Planning

Survey of Personal Financial Planning

Brian Chang, CFA®, CFP®, is a Wealth Manager at Creative Planning with nearly a decade of experience in the financial services industry. He works directly with clients to develop and implement comprehensive financial plans to address their goals and most complex financial needs. Brian specializes in the areas of retirement planning, investment management, tax planning, estate planning, risk management, and charitable planning. As a frequent speaker at national chamber of commerce conferences, Brian has a passion for financial education.

Insurance Planning

Ryan Hook, CFP®, serves as a Wealth Manager for Creative Planning, Inc., working directly with clients to develop a cohesive strategy to help meet their most complex goals and financial needs. Creative Planning provides comprehensive wealth management services to its clients including investment management, tax, estate planning, retirement plan consulting, business succession planning, liability and risk management, college planning, and charitable giving. Prior to joining Creative Planning, Ryan worked in impact investing as the National Product Manager for TriLinc Global Impact Fund. Before that, he was Vice President, Senior Investment Officer at a local Registered Investment Advisor. Throughout his 13-year career, he has gained extensive experience in comprehensive wealth management for high net worth and normal net worth clients. Ryan started his career at MetLife Investors.

Investment Planning

Maria Kutscher, CFP®, CFA®, CRPC®, is a Senior Vice President, Private Client Advisor with U.S. Trust, Bank of America. She draws on more than 27 years of financial services experience with U.S. Trust and associated firms. In her current role, Maria provides comprehensive wealth management solutions to high net worth individuals, families and business owners who require sophisticated analysis, tailored strategy, and intensive service. She facilitates sound decision making in multiple areas, including wealth structuring, estate planning, investments, and custom credit/lending. Maria received an M.B.A. from St. Mary's College and a B.S. in Finance from CSU, Long Beach. A native of Southern California, Maria is an active volunteer in the community, serving or has served on the boards of The Boys and Girls Club, Women Investing on Security and Education (WISE), and the Financial Planning Association of Orange County. She is a member of the Chapman University Endowment Council and CalCPA.

Tax Planning

Marc Spiegel, M.S.(TAX), CFP®, is a branch manager with FSC Securities Corporation. He has over 26 years of experience helping retirees, business owners, and families reduce income and estate taxes. Prior to developing his own practice, he held positions at the Washington D.C. office of Deloitte & Touche and the L.A. office of PricewaterhouseCoopers.

Retirement Planning

Patricia Heaton Parker, CFP®, CDFA®, CEP® is the owner of Barlow & Parker Wealth Managers in Orange County, CA. Retirement Planning is a complex subject and can be approached in many ways. Ms. Parker's personal work experience encompasses many views of this subject matter. She has worked in companies that are traditional wire houses, insurance based and banking. Since 1997, Ms. Parker has been responsible for helping hundreds of families develop a path to successful retirement. She is more than willing to use this experience to translate not just information but also a practical approach to others wishing to learn more about Retirement Planning.

Estate Planning

Eric Raines, J.D., is a local attorney who specializes in estate planning and administration. His practice centers on serving high net worth clients. Eric received his law degree from Yale Law School. While at Yale, he served as a Senior Editor and Internet Editor for the Yale Law and Policy Review. Prior to establishing Law Office of Eric M. Raines, he spent five years as an associate for Gibson, Dunn & Crutcher, LLP. In 1999, Eric founded All Students Academic Partnership, a 501(c)(3) non-profit organization dedicated to tutoring and mentoring at-risk students.

Financial Planning Practicum

Robert H. Mauldin II, CFP®, CRPC®, is a financial advisor at Citi Personal Wealth Management. He has worked in Finance for the last 18 years advising clients on financial strategies. He is experienced in taking multifaceted concepts, pulling from multiple disciplines, then communicating those concepts to be understood in a variety of learning styles.