CASPA February 2011 Evening Seminar02/23/2011 - 02/23/2011

CASPA February 2011 Evening Seminar

Theme: Personal Financial Planning Matters the Most


Date/Time:    February 23, 2011 (Wednesday); 6:30pm-9:00pm

Venue:           Wilson Sonsini Goodrich & Rosati      

                         650 Page Mill Road, Palo Alto, CA 94304-1050

Format:          English

Cost:               Free.  Online RSVP in advance is required to reserve seats.

RSVP:            Please click CASPA Feb 2011 Seminar for RSVP online.

Agenda:         6:30pm – 7:00pm  Registration & Networking (With Refreshments)

                        7:00pm – 7:15pm  Welcome from CASPA

                        7:15pm – 8:00pm  Today's Mortgage Environment: the basics that every homeowner should know and


                        8:00pm – 8:45pm   Securing your Financial Future – Retirement Planning Need to Know                      

                        9:00pm                    Adjourn                       


Personal financial planning is one of the most challenging aspects in today’s economic environment.  The housing market  continues to slump with lingering high unemployment. We don’t save enough while we are living longer.  Social Security is becoming “social un-security” while inflation is slowly diminishing the purchasing power of future retirees, plus expected rising tax rates.  The challenge becomes, how much do I need to save for my retirement years? What are the steps I need to take to secure my financial future? How to leverage today’s low interest rate market and when to refinance my current mortgages?


You are invited to attend this seminar to listen to the two industrial experts from the most reputable financial companies for their best ideas on personal financial planning strategies.  You will learn how to maximize opportunities during our peak working years in today’s economic environment and to lay out sound plans for your retirement years.

Distinguished Speakers & Agenda Descriptions: 

 “Today's Mortgage Environment: the basics that every homeowner should know and understand”

Matt Cherian, Corporate Relationship Manager for HSBC Bank in San Jose-Saratoga


What every homeowner should know about when signing up for a mortgage? How much of mortgage you can afford? These are the important questions in everyone’s mind when making mortgage decisions.   You will also learn what drives the mortgage rate and how to determine the best time to refinance your home mortgages.


“Securing your Financial Future – Retirement Planning Need to Know”

David Izat, Managing Director of Prudential’s Pacific Financial Group


Do you have a strategy to invest and secure your financial future?   Learn more about the retirement challenges, specifically longevity, rising costs and market uncertainty, and how you can address those challenges to create a more secure retirement future.


Speaker Biographies:

Matt Cherian, Corporate Relationship Manager for HSBC Bank in San Jose-Saratoga. Matt is a career banker with 12 years commercial & retail experience in investment and corporate banking, lending and wealth management. At HSBC, Matt and his team of 7 staff are responsible for assisting Saratoga area residents & business owners, with corporate & business banking services, wealth management and international banking facilities.

A graduate of the Bauer School of Business at the University of Houston with majors in Economics and Finance, Matt often presents at various community organizations to discuss the latest economic & financial concerns of the day. He is passionate about traveling, local music and charitable community involvement.

David Izat, Managing Director of Prudential’s Pacific Financial Group. The group consists of over 100 licensed financial professionals and four branch offices in the key cities of San Jose, Roseville, Fresno and Honolulu.

Since 2004, David has consistently led his organization to top achievements including the President's Citation award. Currently his organization has more than 30% of his agents qualifying for the Million Dollar Round Table (MDRT) honor – a top achievement for financial professionals.

With 18 years of dedicated service, David continues to be a recognized leader in the financial services industry.  Accolades and achievements include the prestigious designation of Chartered Life Underwriter (CLU), Life Underwriter Training Council Fellow (LUTCF), LUTC Industry Instructor, National Quality Sales Achievement Award, National Association of Insurance and Financial Advisors (NAIFA) - Silicon Valley Chapter President 2008-2009, NAIFA - Honolulu Chapter President 2002-2003, GAMA Master Agency Award and GAMA International Management Award - Platinum Qualifier.

Originally from Scotland, David has lived in San Jose for 22 years.  He has a B.A. from San Jose State University in Political Science with an emphasis in International Relations and has a minor in Marketing.  David is married to his wife Unsuk and they have a beautiful daughter, Jessica.  He is a die-hard Oakland Raiders fan and has been a season ticket holder for many years.  He is also a passionate San Jose Sharks Hockey fan.  He enjoys going to sporting events, hiking, traveling, and video games and is an avid historian.



Feb23 Seminar Flyer_3.pdf137.95 KB
Retirement Planning Presentation.pdf2.13 MB