Brown Bag Meeting Schedule

Silicon Valley FPA Brown Bag Lunch Event

Note:  Silicon Valley FPA Brown Bag Lunch Events require FPA membership to attend.   FPA members from other chapters are welcome to attend as well as guests of FPA members.

Date:  Wednesday, July 18th, 2012
Time:  12:00 noon to 1:30 pm
Location:  San Jose, CA (Rose Garden Area)
Cost:  $10

Title:    Divorce and Real Estate: Knowing Your Client Options

Speaker:  Kathryn Hisert, Referral Realty and David Butler, American Pacific Mortgage

Meeting Details:

There are many real property disposition options to consider before and during a divorce. What option, and the timing of when it is chosen, is critical. Kathryn Hisert with Referral Realty, and David Butler of American Pacific Mortgage, will be outlining these options, the tools used to accomplish them, as well as the risks and advantages of each.

•  Negotiated Buy-Out (and how the capital gains exclusion can be used multiple times)
•  The ‘snowball effect’ of real estate disposition on other assets
•  Baby-boomers; the fastest growing age group for divorce
•  Shared housing and/or delayed sale
•  Immediate sale; with and without equity
•  Mortgage programs identified for refinancing; for both the underwater home and for equity sharing
•  Best practices; partnering with an attorney, mortgage loan agent and Realtor

When the Financial Planner understands the clients’ options, and the required timing for each, they will be in the best position to ensure their client’s financial security, as well as continue the portfolio driven relationship. Please join us for this informative session where the risks and advantages of multiple scenarios will be discussed.

Speakers’ Biographies:

Kathryn Hisert has been a Realtor © for 10 years. She holds certifications as both a Distressed Property Expert and as a Real Estate Divorce Specialist, one of only 10 such certified in California. Her training includes an overview of the legal process, tax regulations and the financial impact of marital dissolutions. Previously, Kathryn was in the financial industry for 18+ years, having been employed by PaineWebber (now UBS), Bank of America and Wells Fargo.

David Butler has over 20 years experience as a mortgage loan consultant. He teaches classes as well as offers seminars on credit repair, home buying, and budget planning. David’s clients range from the first time home buyer to the refinancing of million-dollar-plus homes. Both Kathryn and David are raising families locally.

Seating is limited.   To reserve your seat, please RSVP early to Skip Frenzel at Info@AgapeLTC.com     A $10 fee will be collected at the door.