‘Mindfulness’ will be focus of new position at Barlow Park/Journey

   Ripon’s youngest public school students may only have a half-time school counselor next year.

   But they’ll also gain a familiar face in a new role designed to address behavioral and mental health issues.

   The Ripon School Board voted Monday to restructure the Barlow Park and Journey elementary schools’ guidance counselor position to half-time, following the retirement of Jocelyn Hoeper at the end of the school year.

    At the same time, the board created another half-time position to pilot at the K to 2 schools this fall: a coordinator of mindful education and mental health.

   And, a few items later on the agenda, board members approved a person for that new job in current Barlow Park first-grade teacher Crystal Gianopoulos.

   The plan came together as the district was attempting to find ways to save money in the face of a $700,000 deficit.

   While brainstorming cost-saving ideas with staff, administrators explained that Gianopoulos expressed a desire to move out of a full-time role into a part-time one, for family reasons.

   Barlow Park and Journey Principal Tanya Sanderfoot told board members that Gianopoulos already had undergone training in “mindful education,” a practice that Sanderfoot stated Gianopoulous has been successful implementing with “some of our most challenging students” in her classroom.

Read the full story in the March 22, 2018 edition of the Ripon Commonwealth Press.

Leadership Series: financial planning

The Spring 2018 Leadership series occurs every Tuesday in Harmon 131 at 4 p.m.
Graphic by Andria Graeler
Photo by Rolando Dupuy Garibaldi


  • To be aware of what must be done to accomplish your goals, college students are encouraged to prepare for financial planning when they transition into living independently. Gregor said finding someone to give you advice and being aware of your financial habits are important parts of this. “Know how you operate, and then you can make good financial decisions,” she said.  
  • Budget your monthly expenses. Students filled out a mock budget to learn about expenses. Gregor said rent and housing take up a big segment of monthly budgets. She also advised keeping three to six months worth of expenses in an emergency fund.  
  • Take care of your most important asset: yourself. “If you’re not there to put money in your portfolio, it’s not worth it,” she said.  
  • When looking for a job, keep in mind things besides pay, such as employer retirement plan contribution, health care, business expenses and vacation days. Plan for the cost of your job, including appropriate attire. Understand your salary structure, benefits and pay increases. “You don’t want to be at a company that you love but there’s no room for improvement,” Gregor said.  
  • Plan for short-term, mid-term and long-term goals for the coming years.  

During the event, attendees assessed their “financial planning personality” using a handout.  Gregor recommended the websites The Mint Grad, which provides financial planning information, and vault.com, which can be used to browse reviews of internships and apply for them. This week’s class was moved down the hall from its usual location, Harmon 141, due to technical difficulties.  

The next installment of the leadership series, “Passing the Torch: Transitioning Officers” will be led by Student Involvement Director Angie Royal on April 3.  

This is the seventh story in a series covering the leadership sessions offered on campus. Check back each week for updates.

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Save some green: Financial Literacy offers poster competition

Students are now able to sign up to compete for prizes in a poster session on financial literacy and sustainability on April 19.

The Penn State Financial Literacy and Wellness Center hopes to blend together ideas for financial literacy and sustainability, and explore how those two aims can be achieved in the settings of student housing, office and classroom, just to name a few.

Students who wish to enter the competition must create a poster made of recyclable materials on the topic “Saving money as you’re saving the environment,” and can register through Eventbrite.

Posters should be delivered by 9 a.m. April 19 to the HUB room 229. Participants should be present from 4:30 to 6 p.m., when light refreshments will be served and general judging completed. The top three judges’ choices will then have 5 minutes to present their poster ideas and an overall winner will be selected.

The top three selections will all be awarded Amazon gift cards in the amounts of $100, $75 and $50. Entries are limited to one poster per student and the competition is open to all students. Students can register to participate until April 18.

The Financial Literacy and Wellness Center offers services to the entire Penn State Community and is part of Penn State Undergraduate Education, the academic administrative unit that provides leadership and coordination for University-wide programs and initiatives in support of undergraduate teaching and learning at Penn State. Learn more about Undergraduate Education at undergrad.psu.edu.


Boyd new president of state financial planning organization

Chris Boyd had been named president of the board of directors for the Financial Planning Association of Massachusetts, according to a statement. Boyd has been a member of the board since 2014 and has served as chair of the programming and membership committees.

Boyd has more than 25 years of experience in the financial planning field and is founder and chief financial of Asset Management Resources LLC, a financial planning and portfolio management firm with offices on Cape Cod and in Dedham. He also hosts a weekend financial radio show, “Something More with Chris Boyd” on WXTK, according to the statement.

The state’s Financial Planning Association chapter has been active in cultivating numerous demographics within the financial planning community, including the NexGen demographic for advisors under 37, a women’s community and various local networking practice groups, according to the statement. Its pro bono outreach community activities have included helping cancer patients, deployed military families and those living in low-income communities, according to the statement.

— Email business news and high-resolution photos to biz@capecodonline.com. Please include a contact phone number.


No taxpayer money lost in Centro embezzlement, audit says – San Antonio Express

A view of downtown San Antonio on Friday, Aug. 12, 2016. An audit has found that no taxpayer dollars were embezzled from the public-private nonprofit Centro San Antonio, but officials say the city failed in its oversight of the organization’s finances. Photo: Kin Man Hui /San Antonio Express-News / ©2016 San Antonio Express-News

An audit has found that no taxpayer dollars were embezzled from the public-private nonprofit Centro San Antonio, but officials say the city failed in its oversight of the organization’s finances.

Centro submitted invoices to the city that included at least $32,000 worth of duplicate payments and lacked supporting documents, according to a presentation made to the city’s audit and accountability committee Tuesday morning by Brent McDaniel, managing director of global auditing firm KPMG.

The city hired KPMG at the direction of City Manager Sheryl Sculley to conduct the audit after Centro’s leaders discovered in November that the nonprofit’s staff accountant allegedly embezzled $291,000. The accountant was hired without a background check, so Centro didn’t learn she already had been convicted of felony bank fraud and charged twice with theft by check.

The city has paid Centro $18.9 million since October 2013 to manage the downtown public improvement district, or PID, which collects property taxes to perform extra services such as street sweeping and graffiti removal. Centro sends invoices of its expenses to the city, which reimburses the nonprofit for them.

“What we have had is an issue where we weren’t doing the kind of due diligence we should have been doing,” the city’s Chief Financial Officer Ben Gorzell said at the meeting. “All of the items were not being cleared every month as they should have been.”

An Express-News investigation last month discovered that Centro has used PID money for lobbying and for expensive meals and trips, including $2,350 for a membership and meals at the ritzy Plaza Club for Pat DiGiovanni, a former assistant city manager who resigned after nearly five years as Centro’s president and CEO when the alleged embezzlement was discovered.

Centro also has spent thousands of PID property tax dollars on fundraisers, mixers and award shows for the Centro Alliance, a separate lobbying wing that isn’t supposed to receive tax dollars, the Express-News found. Last March, for example, the Alliance held a fundraiser at La Margarita Restaurant Oyster Bar in west downtown that cost the PID $2,337.

In response to questions from the Express-News, Centro also realized a $1,314.75 bill from Ácenar and a $918.90 bill to cater a golf tournament fundraiser shouldn’t have been charged to the PID and decided to reimburse the PID for them.

The city’s audit, and another performed by Centro, determined that the $291,000 was embezzled not from the PID but from the Centro Partnership, the nonprofit that oversees the PID and the Alliance.

“This audit reaffirms what we believed from the beginning — that PID funds were used as intended and that the alleged fraud only involved Centro’s private funding from membership fees and sponsorships,” Sculley said in a statement.

But some money that came from the city was exposed to the fraud, because the Centro Partnership gets a portion of its revenue from management fees charged to the PID. In 2014, $791,720 of the Partnership’s $1.66 million of revenue came from management fees, according to its most recent IRS filing that is available.

Warren Wilkinson, the former executive vice president of information technology company Sigma Solutions, stepped out of retirement last week to serve as Centro’s interim executive director, board member Trish DeBerry said. It has been determined that Centro’s small staff doesn’t justify “top-heavy titles” like CEO, she said.

The board plans to start looking for a new executive director in late summer or fall, and board members will soon go on a retreat to discuss how to simply the nonprofit’s structure and narrow its focus, she said. Even the nonprofit’s name is likely to change.

“We may not be doing the amount of work that was formerly being done,” DeBerry said at Tuesday’s meeting. “My hope is that Centro will emerge a much leaner, meaner organization.”

Centro is working with the San Antonio Police Department, which is collaborating with the white-collar division of the district attorney’s office, on investigating the alleged embezzlement, said Michael Bernard, an attorney for the nonprofit.

“Things still need to be gathered in respect not to the theft itself but to the cover-up,” he said. “That investigation is progressing.”

The SAPD didn’t respond to a request for an update on its investigation on Tuesday.

The city has assigned a new staff member with an auditing background to examine Centro’s invoices and is looking at ways of streamlining the time-consuming process, Gorzell said on Tuesday. Many of the errors occurred because of the sheer volume of documents that city staff have to look through, officials said.

Another problem is that there was a rush to reimburse Centro’s invoices so the nonprofit would have funds to pay vendors, officials said.

Gorzell told the committee he wants to reduce the amount of time his staff spends looking over Centro’s invoices. He said he will present an improved oversight process at a future meeting of the audit committee.

“I’m not talking about adding resources here. I’m actually talking about a more efficient process,” Gorzell said. “It was not an efficient process.”

District 10 City Councilman Clayton Perry, who sits on the audit committee, asked Gorzell if it was worthwhile for the city to continue its relationship with Centro.

“Our standard practice for reviewing was not being done. We have fixed this,” Gorzell told Perry. “I think the services are delivered; we just need to address our process.”

County shared services panel takes aim at youth services

Continuing with last year’s initiative, Oneida County last week convened its first shared services meeting of the year, which includes the school districts this year.

Some of the major topics included court consolidation, central services and purchasing, youth services and recreation, and tax collection.

Oneida County Executive Anthony Picente Jr. said adding the school districts this year brought a new perspective.

After meeting with those districts and the municipalities, Oneida County now is looking at investigating consolidation of youth services, which was brought up by the school districts.

“The schools were very engaged — the superintendents that were there were coming up with ways to go about (sharing services)” he said. “I really believe adding schools this year added a nice twist, gives it a little more depth.”

Superintendents from Holland Patent and Clinton did not respond to requests for comment about the meeting.

Court consolidation is at the top of Picente’s list. According to a county fact sheet handed out at the meeting, 21 out of 34 plans submitted by counties throughout the state identified or are investigating cost-saving measures related to courts. Oneida County already got rid of the Boonville Village Court by consolidating services into the town, but there could be more savings there.

Village to town justice court consolidation, two or more town justice court consolidation with multiple justices, or using a single town justice between two or more towns, are some of the ideas being discussed.

Savings for central services and purchasing were another big part of last year’s consolidation efforts across the state. This year, however, the county could realize savings in these departments if it utilized countywide purchasing; joint purchasing agreements among county, cities, towns and school districts; joint fueling procurement for the county, cities, towns and school districts; and purchasing agreements between police and fire departments.

Utica Mayor Robert Palmieri said in a statement that the city is happy to work with the other municipalities and will continue to do so.

“We consolidated our mail operations with Oneida County, and utilize their print shop, which has saved the city money,” Palmieri said in the statement. “The city has shared service agreements with several entities in which we share equipment. The city stands ready and willing to meet with any municipality to explore ways we can work together to provide a better service at a lower cost for our respective residents.”

Shared services became one of Gov. Andrew Cuomo’s major initiatives in the budget last year.

Counties that submit plans in 2017 and 2018 are eligible to receive a match from the state on their net savings. The plan must be submitted by Oct. 15.

Included in his proposed 2019 budget, Cuomo has made last year’s county-wide shared services panels permanent. The budget includes $225 million to fund the state’s match of savings from the shared services actions included in property tax savings plans.

In Rome, Mayor Jacqueline Izzo said the meeting is building upon where it left off last year. She said Picente recapped what was done last year and then revisited each issue, to see what could be done better this year.

“I think (the schools being there) is going to be helpful for municipalities, as well,” Izzo said. “To get that level of executive leadership, just for any discussion is good. And I think that’s basically what most people like about the initiative — you get to share a lot of ideas and/or maybe bring up some points of interest that others wouldn’t know about.”

Contact reporter Samantha Madison at 315-792-5015 or follow her on Twitter (@OD_Madison).

Financial Planning Students Concerned About Industry’s Image

Firms often look to financial planning programs for bright talent, but many of the students in these programs are worried about the industry’s image. Forty percent of students enrolled in Texas Tech’s personal financial planning and economics divisions said they were concerned about broader negative perceptions about the industry, according to a new survey by Advisor Group, the network of independent broker/dealers. The firm conducted the survey, through a strategic partnership with Texas Tech, to inform its next generation of recruitment strategy. The survey found that students prioritized purpose, with 38 percent citing the ability to help others and 34 percent citing being part of a dynamic industry, as more important than their compensation package (30 percent). In addition, technology was not as important to these young professionals as you might think, with half of them ranking it as the least important factor informing their future career choices.

Orion Debuts App That Automates Compliance Tasks

Orion, a portfolio management technology company for registered investment advisors, debuted a new software application on Tuesday that automates compliance tasks. The app, called Compass, uses “thousands” of data points from Orion and its partners and automatically mines and queries the information needed to fulfill audit requirements. The company said the app will help compliance officers scale their responsibilities and make them more efficient.

Stifel Completes Ziegler Acquisition

Stifel CEO Ron Kruszewski

Stifel Financial announced on Monday that it completed its acquisition of Ziegler Wealth Management. Stifel announced its plans to acquire Ziegler, with 55 advisors and about $5 billion in assets in five states, in October 2017. At the time, Stifel CEO Ron Kruszeweski said the deal was part of the firm’s growth strategy. “We are excited to welcome the team from Ziegler to our wealth management platform,” Kruszewski said. “The addition of more than 50 talented financial advisors further solidifies Stifel’s presence in the Midwest as well as adding advisors to growing markets in Arizona, Florida and Virginia.” Ziegler, which was founded in 1902, is headquartered in Chicago.


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Dave Ramsey: Mom stole my student loan money — now what?

Dear Dave,

I’m about to graduate from college, and while I’ve been in school my mom has been handling most of my finances. Recently, I discovered she’s been taking my student loan money and spending it on herself. So far, it looks like she’s taken around $12,000, and I have a total of $25,000 in student loan debt. Since I realized this was happening, I’ve been reading your books and learning how to manage my own money. I don’t know how to deal with this situation with her, though. She admits she did wrong, but says she can’t pay it back. Can you help?


Dear Alan,

I hate hearing this. There’s no easy way to deal with these kinds of situations.

The first thing you need to do is take over complete and total control of all your finances. Shut down any accounts that have her name on them, and anything else financially-related that she can access. I know this sounds harsh, but she has proven she’s just not trustworthy. It’s a hard thing to hear about a parent, but at this point you’ve got to take steps to protect yourself. What she has been doing is theft, and financial child abuse.

One extreme is to press criminal charges. The other extreme is to just forget it, and pay it. In between is a promise from her to repay everything she has taken, but she’s already out of control. That’s a promise that wouldn’t be kept. The problem with prosecuting someone criminally for this type of action — other than the emotional toll, because she’s your mom — is the money’s already gone. It’s doesn’t make them magically have the money to repay you. On top of all this, you’d have a really hard time legally getting the student loans removed from your name due to theft.

Honestly, under the circumstances I think you’re probably going to end up eating this. But sit down, and try to have a calm, clear discussion about what has happened, and why it happened. Let her know first, without a doubt, that you will criminally prosecute her if she ever uses your name to put money into her own pocket again. Second, tell her you’re prepared to forgive her and forget about it — and she pays you back at some point, if she can — if she agrees to get some financial and emotional counseling.

Try to get her some help, and get her under control, Alan. If you don’t, I’m afraid things are only going downhill from here.


* Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling books, including “The Total Money Makeover.” “The Dave Ramsey Show” is heard by more than 13 million listeners each week on 585 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Twitter at @DaveRamsey.


Approval in seconds & Fast lane check cashing & personal loans

Sgt. Jeff Nicks of the Rohnert Park Department of Public Safety, tends to his son, Camden Nicks, a senior at Rancho Cotate High School, after he was hit by a vehicle in a simulated accident during an elaborate staging of “Every 15 Minutes.” (topright) Amaya Zuniga, senior at Rancho Cotate High School, gets emotional during a mock funeral for those students who participated in “Every 15 Minutes” the previous day.

New Book Explores Unique Area of Financial Planning Practice …

Client Psychology marries multiple academic disciplines to define a path forward for new client research and most importantly, helping financial planning practice become more client-centered,” said Dr. Chaffin. “Client Psychology defines an entirely new area of research and practice, builds upon the financial planning body of knowledge, and is a practical resource for students and practitioners.”

The 336-page book explores the biases, behaviors, and perceptions that impact client decision-making and overall financial well-being. Informed by research from practitioners, it outlines the theory behind many of these areas while also explicitly stating how they directly impact financial planning practice.

This book is the second in a series. Over the next four years, the series will include a number of content areas within and beyond financial planning, helping to expand the body of knowledge for practitioners while fueling research and preparing the next generation of financial planners to serve the public.


The mission of Certified Financial Planner Board of Standards, Inc. is to benefit the public by granting the CFP® certification and upholding it as the recognized standard of excellence for competent and ethical personal financial planning. The Board of Directors, in furthering CFP Board’s mission, acts on behalf of the public, CFP® professionals and other stakeholders. CFP Board owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. CFP Board currently authorizes nearly 80,000 individuals to use these marks in the U.S.


The CFP Board Center for Financial Planning seeks to create a more diverse and sustainable financial planning profession so that every American has access to competent and ethical financial planning advice. The Center brings together CFP® professionals, firms, educators, researchers and experts to address profession-wide challenges in the areas of diversity and workforce development, and to build an academic home that offers opportunities for conducting and publishing new research that adds to the financial planning body of knowledge. More about the Center and its initiatives can be found at www.CenterforFinancialPlanning.org.


Wiley is a global provider of knowledge and knowledge-enabled services that improve outcomes in areas of research, professional practice and education. Through the Research segment, the Company provides digital and print scientific, technical, medical, and scholarly journals, reference works, books, database services, and advertising. The Professional Development segment provides digital and print books, online assessment and training services, and test prep and certification. In Education, Wiley provides education solutions including online program management services for higher education institutions and course management tools for instructors and students, as well as print and digital content. For additional information visit www.wiley.com.

Cision View original content:http://www.prnewswire.com/news-releases/new-book-explores-unique-area-of-financial-planning-practice-client-psychology-300615947.html

SOURCE Certified Financial Planner Board of Standards, Inc.

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