Consultative Banking, a sounding board for your business.
Taking Your Medicine
Affordable Care Act Symposium- Presented by
Starting January 1, 2014 every American will be subject to The Affordable Care Act (ACA). Some of ACA’s reforms are already in effect for employers and their group health plans, though many of ACA’s key reforms will become effective in 2014. Depending upon your employee count, different provisions of the ACA may apply to you. To prepare for this next phase of ACA reforms, employers should review upcoming requirements and make sure they have a compliance strategy in place. Among the topics we’ll discuss are:
- Healthcare and insurance requirements/benefits for the various types of employers under the Affordable Care Act, including (i) small employers and proprietorships with one or two employees, (ii) employers with over 20 employees, (iii) employers with under 25 employees, (iv) employers with over 50 employees, (v) employers with under 100 employees, and (vi) employers with over 250 employees.
- Tax credits and implications
- What is the employer shared responsibility?
- What are the primary timelines and deadlines you should be aware of?
- State-based health insurance exchange – say what?
- Compliance-the required components and what you need to know
- Strategic business plan on healthcare reform
- Implications for companies with offices in different states
Tuesday, June 11, 2013
Breakfast and panel discussion
Morgan Run Club & Resort
5690 Cancha de Golf
Rancho Santa Fe, CA 92091
Space is limited. Please RSVP to Amber Santos at firstname.lastname@example.org by Thursday, June 6 for your complimentary admission. Please reference ACA event in your subject line. We look forward to seeing you.
Kristin L. Kahle, General Manager, San Diego & Hawaii, Senior Vice President & Compliance Officer-Benefits Exchange Alliance
Kristin has started two software companies that address specific needs in the healthcare admin space. She holds an MBA degree and is completing her PhD with an emphasis on the impact of healthcare and the Affordable Care Act on business. She is a Certified HealthCare Reform Specialist – 1 of 9 certified experts in the U.S. on the Affordable Care Act.
David J. Cartano, Partner, Barton, Klugman & Oetting LLP
David’s law practice focuses on corporate and tax law. He is the author of three books republished annually by CCH: Taxation of Compensation and Benefits (CCH 2013); Federal & State Taxation of Limited Liability Companies (CCH 2014); and Taxation of Individual Retirement Accounts (CCH 2013).
Ross Afsahi, President, GS Levine Insurance Services
President of GS Levine, Ross guides the team with a long history and expertise in Employee Benefits. He joined the firm 12 years ago to expand the Employee Benefit department, and ultimately Ross’ extensive background made it possible for the team at GS Levine to build an award winning wellness program designed for employees and clients. As a result, they won the San Diego Business Journal’s “San Diego’s Healthiest Company” award twice, most recently in 2013. Ross is focused on preparing clients and the community for healthcare reform and helping them build strategic programs that abide by the complex regulations of that reform. To achieve that goal, he developed a monthly seminar series where the business community can get answers and resources to guide them in making educated decisions.
Moderator: Gary Levine, CEO, GS Levine Insurance Services
Gary founded G.S. Levine Insurance Services in 1987 to provide business, personal and employee benefits insurance. Today the team includes over 60 insurance professionals, hand selected for their education, technical experience and value-driven approach. The company uses a proven methodology for researching and identifying the best options amidst the complexities of the insurance industry and takes pride in making the complex simple for clients. With healthcare reform around the corner, and as a business owner himself, Gary Levine understands navigating the tough issues and provides insightful business solutions.
Regents Bank is not responsible for the accuracy of the information or the opinions presented at the Affordable Care Act Symposium.
All of us at Regents Bank are saddened by the loss of our co-worker and friend, Michael F. Cavataio. We lost Mike all too soon on April 17, 2013. Mike’s friends and family held a memorial service in his honor at North Coast Church on April 25. Mike was a dedicated husband of 27 years to Cindy, father to Matt, grandfather to Collin, brother to Gary and son to Mike Sr. Mike enjoyed his life-long career in banking and spent 9 years with our bank, where he served as Executive Vice President and Regional Manager for our Vista office.
Mike embodied Regents Bank’s philosophy of helping others and went above and beyond to share his time and talents with his clients and co-workers. They broke the mold after Mike when it comes to work ethic and commitment. Many at our bank followed and worked with him for 15, 20, even 30 years.
In that same spirit, Mike also created an enduring legacy by supporting his community through participation with the Vista Chamber of Commerce, where he served as President and a member of the board; Vista Community Clinic, where he served on the board; Vista Village Association; Vista Economic Development Association; Vista Rock; North County Lifeline; Vista Sunrise Kiwanis; Special Olympics; and multiple community service projects through North Coast Church.
Everyone remembers Mike for his kindness, devotion and concern for the wellbeing of others. Our president and CEO, Steven D. Sefton, summed it up perfectly when he said, “There has never been a more dedicated man for our bank or for his customers.”
In addition to playing golf or rooting for his favorite team, the San Francisco 49ers, Mike liked to spend his free time with his immediate and large extended family.
Thank you for being part of our lives, Mike. We will miss you.
Steve and Cindy Horenstein are long-term clients of the Regents Bank Vancouver office. They credit Regents Bank and Regents Senior Vice President Tami Nesburg with helping them get their receivables under control and providing the financing needed to take their practice to the next level. As Regents has helped them, Horenstein Law is proud of having helped many local businesses and community causes.
Here are the Horenstein’s sharing a little about their firm and their relationship with Regents Bank:
The grass doesn’t grow under Regents Bank CEO Steve Sefton’s feet. Going on 30 years in the banking industry, Steve was recently profiled in the San Diego Daily Transcript. Read the profile and you’ll see a man that is passionate about helping businesses solve problems, as well as a man committed to helping Regents Bank continue to be the premier community bank in San Diego County.
You can read Steve’s profile here: Steve Sefton Daily Transcript Profile
Regents Bank 1st Vice President Sean Puckett Providing San Diego Business Owners with Expert Advice on 760 AM
Sean Puckett has been helping business owners in the San Diego community for a number of years and has developed a very loyal following. Unfortunately he can physically only be in one place helping one business at a time. But not anymore. One of San Diego’s most popular and listened to radio shows geared for business owners and executives, “The Family Office Guy” hosted by Richard Muscio C.P.A., has brought Sean aboard as a regular visitor and contributor to the show. Sean will share his real world experience dealing with the day-to-day, real world business issues that owners of small and medium sized business owners face and he’ll be providing them with practical and usable solutions. Sean’s clients will tell you that one of Sean’s many strengths is thinking outside the box when it comes to helping a business tackle a challenge, and he’ll be sharing some of his unique strategies over the coming months.
To hear Sean’s latest podcast visit The Family Office Guy website and click on the podcast button after reading Sean’s biography. You’ll be very impressed with Sean’s credentials and as you listen to him speak you’ll understand why so many companies rely on Sean for sound and practical financial solutions. Enjoy!
Steve Sefton was named Chief Executive Officer of Regents Bank yesterday as announced in Wall Street Journal Marketwatch. Steve will retain his position as President of Regents and continue his leadership role in building the Regents brand throughout San Diego County and Vancouver, WA.
Steve joined Regents in May, 2012, succeeding Dan Yates as President. Chairman of the Board Thomas Young said, ”Since joining the Bank last spring, Steve has played a strategic role in building the Regents banking franchise, and we are pleased that he has assumed expanded responsibilities on our executive management team.”
Regents Bank has experienced tremendous growth by assisting business owners in growing their businesses by providing them access to an elite, experienced team of bankers which are well versed in business development and partner with owners to reach their goals.
For more information visit the Regents website at www.regentsbank.com.
Dan Yates was named President of Grandpoint Bank today. Grandpoint Bank is a wholly owned subsidiary of Grandpoint Capital, as is Regents Bank.
Dan was one of the original founders of Regents Bank in 2001, serving as both President and C.E.O. He will continue to serve on the Board of Directors of Regents Bank. Steve Sefton was hand-picked by Dan to succeed him as the President of Regents Bank.
Everyone at Regents Bank congratulates Dan and his family and we wish him continued success in his newest leadership role.
For more details on the press release see the article on Marketwatch.
Regents Bank has announced that Devin Jackson has been promoted to Vice President. Devin has been with Regents for seven years and works out of the Vancouver, WA branch office.
A Vancouver native, Devin graduated magna cum laude from Gonzaga University as a business major in finance. He has assisted many small and medium size businesses throughout Clark County and Southwest Washington using Regents Bank’s consultative approach to banking. He takes the time up front to truly understand his client’s goals and then helps implement personally designed strategies to ensure his clients reach those goals.
Devin can be reached at email@example.com or by calling 360-418-0482. Everyone at Regents Bank congratulates Devin on his well deserved promotion and we appreciate the personal attention and effort he provides to each of his clients.
Regents Bank recently co-sponsored the San Diego Social Venture Partners (SDSVP) “Advance San Diego 2012″ event. According to the SDSVP website, “Advance! San Diego provides non-profit organizations with the opportunity to hone their presentation skills, promote their impact to a large audience of funders and peers, and receive immediate cash awards as well as ongoing business consultation for our Partners.”
Elizabeth Schott is the Executive Director of Accion, which was one of 10 non-profit finalists selected. Elizabeth said, “Participating in Advance! San Diego was a wonderful experience. It was a once-in-a-lifetime opportunity to pitch our organization’s social impact to more than 300 attendees at the sold-out event. We definitely received high-quality training, and it was inspiring to share with the other nonprofits in San Diego.” Accion placed third out of ten finalists, which were selected from 85 initial applications. Regents Bank Senior Vice President Stephen Friedman served as a mentor to Accion and assisted with the composition of their presentation.
This was the inaugural event of “Advance San Diego” and it is hoped that the competition and opportunity for financial support and recognition for San Diego non-profits will become a San Diego tradition.
“Nonprofit groups create a strong ripple effect in the San Diego economy; they influence everything from the arts, to education, transportation and policy,” Mark Cafferty, president and CEO of San Diego Regional Economic Development Corp. said in a statement. “Partnering with SDSVP not only provides these organizations with the tools and knowledge to succeed, but more importantly, enables these nonprofits to continue to positively influence quality of life throughout the entire region.”
Regents Bank is proud to have supported this event and many other events throughout the year which support the San Diego and Vancouver, WA business communities. For more information on Regents Bank visit our website at www.regentsbank.com.
Regents Bank CEO Dan Yates Discusses Their Consultative Banking Approach in San Diego Union Tribune Article
On Sunday, December 16, 2012, the San Diego Union Tribune features a discussion with Regents Bank CEO Dan Yates. In this very informative article Dan discusses the state of the banking industry, as well as strategic moves that Regents has made in 2012. He also explains how Regents Bank has prospered and grown during a very difficult time for most banks by using a “consultative banking approach” which entails getting to know their clients personally, not just their financial statements. This alliance created between the client and their personal banker, or Relationship Manager”, is why so many of the bank’s clients refer other businesses to Regents Bank and why Regents continues to flourish while many other banks continue to struggle. Read the interview with Dan in the Union Tribune Article, “REGENTS CEO FOCUSES ON BUSINESS STRATEGY”.