主题：Creating Wealth and Happiness
时间：11月24日（周二）晚上7点
地点：科技楼二号报告厅
主办：经济学院
主讲：Brad Greer, CFP®, PlanPlus, Inc. Vice-President Global Sales andChinaOperations
内容提要：
Creating Wealth and Happiness
Brad Greer, CFP®
PlanPlus, Inc. Vice-President Global Sales andChinaOperations
Wealth and Happiness
1. What does Wealth mean to you and why is it important?
2. The Happiness Index. What is the Happiest Country on Earth? Hint: It isnot theUnited Statesand it is notChina!
3. Why is including Happiness in the definition of Wealth important?
4. Should financial advisors help clients pursue Happiness and how?
5. What are the essential building blocks for creating wealth?
Donating, Saving, and Borrowing
6. Why do many successful investors such as Jon Huntsman Sr., billionaire businessman and father of Jon Huntsman Jr. U.S. Ambassador to China, and Mitt Romney, U.S. presidential candidate in 2008 and most likely again in 2012, consistently donate 10% or more of their income every year and consider it essential to creating wealth and happiness?
7. What percent of your income are you donating and why?
8. What percent of your income are you saving and why? How do you define savings?
9. How much do Chinese households save compared to other countries?
10. How do you calculate how much money you need to save to retire comfortably?
11. What is “leverage” and how is it different from debt? How much personal leverage or debt is acceptable?
12. What appears to be the biggest financial crisis facing theUnited Statesand how might it affect you? I will introduce you to the US Debt clock which I believe you will find fascinating.http://www.usdebtclock.org/
Investing
13. What is the most significant factor in determining investment success? Is it picking the right investment mix, the right industry, the right asset class, or the right investment (stock etc.)?
14. Can you successfully “time” the market? How is your investment performance impacted if you miss the best 10 days of the year?
15. If someone offered you a $40,000 interest free loan for 5 years what would you do? Decline the loan. Take the loan and buy something like a new car. Take the loan and pay off existing debt. Accepted the loan and invest it gradually over the next in the stock market. Accept the loan and invest it all now in the stock market?
Planning
17. The 2008 Board of Certified Financial Planners survey identified four benefits to consumers who received a written financial plan from an advisor. What do you think they are? Do you have a written financial plan?
创造财富与幸福
Brad Greer, CFP®
高惟德
PlanPlus全球销售与中国业务副总裁
财富与幸福
16.什么对你来说意味着财富？为什么很重要？
17.幸福指数，全球最幸福的国家是哪个？提示：他不是中国也不是美国。
18.为什么在财富的重要性的定义里包括着幸福？
19.一个理财顾问是否可能会帮助到客户追求幸福以及怎样做？
20.什么是创造财富的重要基石？
捐赠、储蓄、和借贷
21.为什么许多的投资者如Jon Huntsman Sr.和Mitt Romney一直以来他们每年都会捐出他们收入的10%或是更多，他们认为这对于创造财富和幸福是很重要。Jon Huntsman Sr.是一个亿万富翁，他是美国驻中国的大使Jon Huntsman Jr.的父亲。Mitt Romney是马萨诸塞州的前州长,同样也是2008年总统的候选人之一,可能也是2012年的候选人.
22.你会从你的收入里捐赠多少比例？为什么？
23.你会从你的收入里存多少比例？为什么？你是如何定义储蓄的？
24.与其他国家相比，中国的家庭的储蓄是多少？
25.你如何去计算，为你退休后的舒适生活需要存多少钱？
26.什么是“贷款”，它与负债有什么不同？多少“贷款”或负债是个人可以接受的？
27.美国出现的金融危机似乎是最重严的，以及他对你有何影响？http://www.usdebtclock.org/我将会给你们介绍美国的债务钟,我相信你会发现它有意思的地方.
投资
28.什么是决定成功投资的最重要的因素?是选择正确的投资组合、正确的行业、正确的资产分类或是正确的投资（如股票等）。
29.你能成功的判断或是(左右)市场吗?如何影响你的投资绩效,如果你错过了今年最好的10天?
30.假如一个人给你提供40000美金的五年无息贷款，你将要做什么？拒绝贷款？接受然后购买一些像汽车一样的东西？还现有的负债？逐步投资到下年的股票市场？或马上全部投资到股票市场？
理财
16. CFP机构2008年研究证明，对于那些接受理财顾问做出的理财规划的消费者来说有四个益处的。你是怎样认为他们的？你有一个书面的理财计划吗？
Bradley W. Greer
Curriculum Vitae
Career Highlights
Brad is Vice-President of Global Sales and General Manager of China Operations for PlanPlus, Inc ofLindsay,Ontario,Canada. Prior to joining PlanPlus in October of 2008, Brad was the Director of Financial Planning for Wells Fargo Bank Private Client Services, headquartered inSan Francisco,California. In this role he was the chief architect of the Financial Planning Portal, a web-based comprehensive financial planning system used by over 3,000 Wells Fargo financial advisors to profile their clients, analyze their current situation and propose recommendations.The server-based solution revolutionized the way Wells Fargo financial advisors access financial planning tools, make presentations to their clients, implement financial solutions, and allow sales managers to track success.
During his 24 year tenure with Wells Fargo Bank and its predecessors, Brad created and managed the Tax and Financial Planning Department. In this roll he was responsible for creating personal financial plans for its clients, training brokers and bankers on the financial planning process, creating and delivering client seminars, and selling investments, insurance, trust services, and employee benefit plans. During this time, Brad presented over 200 workshops on a wide variety of financial planning topics to the bank’s English and Spanish speaking customers. He was also instrumental in rolling out comprehensive financial planning services at Wells Fargo through its national sales force.
Recognizing that the sales force cannot possibly reach all of the bank’s households, Brad led a team to create an online self-directed “expert” financial advice system that creates a customized and comprehensive written financial plan that can later be shared with a bank advisor. Leveraging his 23 years as a Certified Financial Planner, the expert system “thinks” like an experienced financial planner through the use of complex algorithms and decision trees.
Brad is widely respected as a leader of financial planning technology and is considered to be passionate about the power of the financial planning process to help both individuals and financial institutions.
An accomplished software developer, in 1996 Brad’s CD-ROM and later web-based program “Omniscience-The Infobase of Financial Planning Ideas” was awarded the “Best Tax, Banking, and Financial Planning Infobase” by Next Page one of the world’s largest publishers of professional information.Omnisciencewas distributed by the American Institute of Certified Public Accountants (AICPA) and was recognized by the AICPA as “an essential software program for all CPA’s who perform personal financial planning services for their clients.”
From 1980 through 1982, he served as an auditor and tax advisor with a regional CPA firm inNewport Beach,California, and Deloitte and Touche, CPAs inAlbuquerque,New Mexico.
Education, Community and Family
Brad graduated fromCaliforniaStateUniversityatFullertonin 1980 with a degree in Accounting. In 1982 he became a Certified Public Accountant (CPA), in1983 aCertified Financial Planner® (CFP®), and in1997 aPersonal Financial Specialist (PFS) through the American Institute of Certified Public Accountants.
Money Magazine named Brad as one of the nation’s top financial planners. He has served as the president of the New Mexico Financial Planning Association, board member of the New Mexico Symphony Orchestra, unit leader for the Boy Scouts of America, president of the board of directors of the New Mexico Chinese School of Arts and Languages, board member on the Sungard Advisory Board, and chair of the Asian Pacific Focus Group of the Financial Planning Association (FPA).
In 2007, Brad was selected by the Wells Fargo Foundation to help the Financial Planning Standards Council of China (www.fpsc.cn) develop Wealth Management training for bankers and share CFP continuing education best practices.
Brad and his wife Connie have been married 31 years and have four children including two adopted fromChengdu,Sichuan,China.
Brad enjoys singing, running, skiing, scuba diving, speaking Mandarin Chinese and Spanish.
Bradley W. Greer高惟德
个人简历
工作经历
高惟德先生是加拿大安大略林得塞PlanPlus公司的全球销售兼中国业务副总裁。高先生于2008年10月加盟PlanPlus，在此之前他在总部位于加利福尼亚旧金山市的富国银行私人客户服务部担任理财规划主管。在这个位置上他担负着理财规划门户网、一套网络综合理财规划系统的总建筑师的角色，该系统提供给富国银行3,000多名理财顾问使用，用于为他们的客户进行预测、分析当前形势以及提出建议。这是一种基于服务器的解决方案，它为富国银行的理财顾问们开拓了一条革命化的途径来运用理财规划工具、向客户演示、实施理财解决方案，并使销售经理可以跟踪方案是否取得成功。
高惟德先生在富国银行以及其前身效力了24年，在此期间他亲手创建并掌管了税务与理财规划部。在这个位置上，他主要负责为客户制订个人理财计划，对经纪人和银行家进行理财规划方法方面的培训，组织客户讲座，销售投资、保险、信托服务及员工福利计划。在此期间，高惟德先生主持过200多场讲座，讲座内容广泛涉及理财规划的各个方面，参加讲座的均是银行的客户，他们有讲英语的，也有讲西班牙语的。此外，在富国银行向其全国销售人员推广全面理财规划服务的过程中，他也发挥了重大作用。
高惟德先生意识到销售人员不可能面对面接触作为银行客户的所有家庭，于是，他率领自己的团队开发了一套在线自主“专家”理财顾问系统，该系统可以制订个性化的、全面的书面理财计划，并且该理财计划随后可以由银行顾问共享。该“专家”系统融合了高惟德先生23年作为注册理财师的经验，通过利用复杂的算法和决策树，使它可以象一位经验丰富的理财规划师那样去思考。
高惟德先生是被誉为理财规划技术的倡导者，他热衷于利用理财规划方法向个人和金融机构提供帮助。
“Omniscience-The Infobase of Financial Planning Ideas”于1996年开发完成，最初是通过光盘安装的程序，随后网络版问世，它被世界上最大的行业信息发布机构之一Next Page授予“最佳税务、银行及理财规划资料库”的殊荣。Omniscience由美国注册会计师协会（AICPA）经销，被AICPA称为“为客户提供个人理财规划服务的全体CPA的必备软件程序”。
1980-1982年，高惟德先生在加利福尼亚新港滩地方会计师事务所和新墨西哥阿尔伯克基德勤会计事务所担任审计师和税务顾问。
教育、社会活动与家庭
高惟德先生于1980年毕业于加州州立大学富勒顿分校，并获得会计学学士学位。1982年，他成为一名注册会计师（CPA）；1983年，他成为一名注册理财规划师（CFP®）；1987年，他成为美国注册会计师协会（AICPA）任命的个人理财专家（PFS）。
高惟德先生被《财经杂志》（Money Magazine）授予全国最佳理财规划师称号。他曾担任新墨西哥理财协会会长、新墨西哥交响乐团董事会成员、美国童子军团长、新墨西哥州中文学校董事长、Sungard顾问委员会委员以及理财规划协会亚太焦点组组长。
2007年，高惟德先生被富国银行基金会选派到中国帮助中国金融理财标准委员会。
高惟德先生和妻子Connie已结婚31年，他们有四个孩子，包括他们收养的两个从四川成都的孩子。
高惟德先生喜欢唱歌、跑步、滑雪、潜水，会讲中文和西班牙语。
