About


bobpichead-whtbkgrd225x3002Hi, Bob Cavanaugh here.

The Smart Giver Blog is an extension of  The Smart Giver, which is an educational subscription written specifically for churchgoers and churches.

It contains monthly tutorials on financial and estate planning techniques which increase your income, reduce taxes and in some cases preserve the estate from undo taxation. The key is that all the techniques I teach also simultaneously help your church financially.

The application of the techniques by a church via communicating the existence of The Smart Giver to its membership can build an endowment fund over time and raise current funds for existing ministries.

I just celebrated my 39th year in the financial and estate planning business. I have over 20,000 documented face-to-face interviews with folks just like you. This means that when I write or illustrate a particular planning technique, chances are I have worked with the concept in real life with one or more of my clients. I am aware of the concerns, the sticking points, the objections, the questions and the methodology needed to implement the plans.

Over the years, to keep things interesting, I have worked in a number of markets. Initially I built a clientele of about 400 attorneys. Then I went on to work with business owners with their business continuation, executive fringe benefits and retirement planning needs. I spent few years working in the qualified plan arena installing pension, profit sharing and 401(k) plans. Most recently I have been working with retired persons helping them preserve their assets and deal with the whole new gamut of financial planning issues seniors face.

Categorically, I have worked in the areas of taxes, employee and executive benefits, qualified plans, estate planning, charitable planned giving, long term care, annuities, IRA distribution planning, and post-retirement financial planning.

Professional Experience:

1/94 – Present    
Practice centered on estate planning for the business owner and retired person with focus on post-retirement asset preservation. Publisher, The Smart Giver.
5/88 – 12/93 
President, Qualified Plan Services, Inc. Formed to design and fund pension, profit sharing, 401(k) and non-qualified deferred compensation plans for business owners and upper echelon executives.
4/83 – 4/88  
District Manager, Massachusetts Mutual, Tucson, AZ. Personal activity focused on the corporate market, qualified plans and estate planning for the business owner.
11/69 – 3/83   
Agent, Northwestern Mutual, Tucson, AZ. Developed clientele among attorneys and professionals. Made the Million Dollar Round Table the first year in the business, and was (tied) for the youngest person in the world that year to do so. Completed the Chartered Life Underwriter (CLU) designation two years ahead of the normal time frame.

Education:

1960 – 1964 
Flagstaff High School, Flagstaff, AZ. Participated in football, basketball and baseball. National Honor Society. Graduated with honors.
1964 – 1968 
B.A. University of Arizona, Tucson, AZ. President, Sigma Phi Epsilon fraternity.

Professional Development:                                     

  • Chartered Life Underwriter (CLU) designation, 1973, The American College, Bryn Mawr, PA. The CLU designation is like the CPA designation in accounting and is the equivalent of obtaining a Masters Degree in insurance. Instruction includes courses in economics, accounting, finance, pension planning, social security, life insurance law, trusts and estates, federal income tax law, business insurance and estate planning.
  • Graduate: LSU School of Pension & Profit Sharing.
  • Mass Mutual Pension School.
  • Certificate courses in business insurance, advanced underwriting, and disability income.
  • Northwestern Mutual Advanced Underwriting School.
  • Mass Mutual Management School.
  • Numerous seminars, symposiums, courses and conferences on taxes, employee and executive benefits, qualified plans, estate planning, charitable planned giving, long term care, annuities, IRA distribution planning, and post-retirement financial planning.
Organizational Activities:   

  • Past President, Alumni Board, Sigma Phi Epsilon Fraternity.
  • Boy Scout Explorer Division Chairman.
  • Cub Master, 2 years, Pack 166 Catalina Council.
  • United Way.
  • St. Alban’s Episcopal Church: Vestry member, Lay Reader, Chalice Bearer, Finance and Building Fund committees.
  • Marriage Encounter Transition Leader.
  • Little League baseball coach: 12 years.
  • Tanque Verde Little League All Star Coach.
  • Tucson Toros Youth Winter Baseball coach: 4 years.
  • Arizona Interscholastic Association Certified baseball umpire.
  • St. Luke’s Home for Women: Conducted Sunday services.

Hobbies:

Running, physical fitness, tennis, wood carving, 5-string banjo and duplicate bridge.

Professional Philosophy:

“I will apply the same thought, consideration and recommendations to my clients that I would apply to myself.”

 

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Robert Cavanaugh, EzineArticles.com Platinum Author