Gilbert M. Araiza, MBA, CPA, CFP® Vice President of Banc One Investment Management Group Kaplan Financial Instructor
Mr. Araiza is an experienced Institutional Client Advisor, specializing in Retirement Planning, and Asset Management Services for Bank One Institutional clients in Dallas, Texas. He has an MBA in finance from the University of Houston in Houston, Texas and a BBA in accounting from the University of North Texas in Denton, Texas. Mr. Araiza is also a member of the AICPA.

		Timothy W. Bellows, JD, CFP® Attorney at Law Kaplan Financial Instructor
Mr. Bellows is former President of Insurance Division and member of Management Committee for Fortune 100 diversified financial services company. He is also former General Counsel of Insurance and Real Estate Division of Fortune 100 company. He received his Juris Doctorate from the University of Minnesota Law School. Mr. Bellows is admitted to practice in the states of Texas, Minnesota and Iowa, and the United States District Courts for the Northern and Eastern Districts of Texas. He is a former member of the Board of Directors for the University of Minnesota Law School Alumni Association.

		Rey Belyeu, CFP® President, Cornerstone Financial Planning Kaplan Financial Instructor
Mr. Belyeu is President, Cornerstone Financial Planning, concentrating on comprehensive financial consulting for individuals and small to medium size business. He has over 20 years in the financial services industry. Previously countywide manager and First Vice President of Private Banking for SunTrust Bank, Mr. Belyeu received his MBA from University of Central Florida, Orlando, and his BS from University of Florida, Gainesville. He is the current base course instructor for CFP certification program at University of Central Florida and has over 15 years of teaching experience, including CFP(r) base courses, analyzing financial statement, and bank operations.

		Peter H. Blackwell, MBA, CEP, CFP® Financial Planning Certificate Program (1997-present), Academic Coordinator, University of Central Florida Kaplan Financial Instructor
Mr. Blackwell's resume includes experience as Academic Coordinator, Rollins College Financial Planning Certificate Program (1993-1997). He also is a Review Instructor, formerly of BISYS Education Services, one of only a few in the nation teaching all CFP Board Topics. He is a former presenter, for Disney Institute, Vice President and co-owner, Aegis Financial Advisors, Inc., a Registered Investment Adviser and is an author of teaching materials, test questions and cases. Mr. Blackwell is a former Director, Institute of Certified Financial Planners (now the Financial Planning Association) and holds an MBA from Wharton School of Finance and a BA from Cornell University.

		Bart Brewer, CFP®, CFA, EA, CLU, ChFC Kaplan Financial Instructor
Bart has devoted his career to the financial services industry since 1978. He currently runs his own comprehensive financial advisory practice in Santa Monica, CA. Registrations with an NASD member firm include Series 4, 7, 24, 53, and 63. Bart also serves as an industry panelist on the NASD Board of Arbitrators. He also holds an MBA from the Amos Tuck School at Dartmouth College and was named an Edward Tuck Scholar by the faculty after his first year.

		Ed Clark, CFP®, CASL, ChFC Kaplan Financial Instructor
Mr. Clark is a base course and CFP® Live Review instructor. He earned his BS in mathematics from Brigham Young University in 1994. He received his CFP® Certification in 2003 and his Chartered Advisor for Senior Living in 2005. He has a combined 12 years of experience in the insurance and financial services industries, including 5 years as a property-casualty actuary (State Farm Insurance), and 7 years managing his own multi-line insurance and financial services agency (Ed Clark Insurance Agency, Inc.-State Farm Insurance). He is Series 6 and 63 licensed.

		John M. Clark, PH.D, CFA, CFP® Director, Center for Financial Services, University of Southern Mississippi Kaplan Financial Instructor
Mr. Clark's experience includes Assistant Professor of Finance, University of Southern Mississippi, and Program Director, University of Southern Mississippi Financial Planning Emphasis. He received his Ph.D. in finance from The University of Alabama, in Tuscaloosa, his MA in finance from The University of Alabama, Tuscaloosa and his BS in corporate finance and investment management from The University of Alabama, Tuscaloosa. His memberships include: the Association for Investment Management and Research, the Kansas City Society of Financial Analysts, and the Financial Management Association.

		James E. Coleman, CPA, Ph.D., CFP® Kaplan Financial Instructor
Mr. Coleman's experience includes Vice President of Market Results, Inc., a financial planning training and consulting firm, Assistant Professor, Mercer University Atlanta's graduate business program, and is former Managing Director at Federal Express, responsible for global public and investor relations activities. His degrees include a MS and Ph.D. from University of Alabama as well as BBA in accountancy from University of Mississippi. Mr. Coleman is a member of the Direct Marketing Education Foundation's Professors Academy, the Financial Planning Association and has authored numerous articles in journal publications on topics such as relationship marketing and marketing opportunities for financial planners.

		David W. Durr, Ph.D., CFA, CFP® Kaplan Financial Instructor
Mr. Durr holds the Endowed Chair in Investment Management at Murray State University, Murray, Kentucky. He is Associate Professor of finance at Murray State University where he teaches classes in investments and portfolio management. Mr. Durr earned his Ph.D. in finance from the University of North Texas in 1995. H received his M.B.A. from Stephen F. Austin State University and his B.B.A. from the University of Texas at Austin. He is also a member of the Financial Planning Association and also the American Finance Association. His current areas of research interest include: corporate governance issues, multinational financial management, hedging with derivatives, and securitized real estate. Mr. Durr has published articles in Advances in Investment Analysis and Portfolio Management, Review of Quantitative Finance and Accounting, and Advances in Taxation. His credit als include Co-author of Dalton CFA® Review: Study Notes Volume I and II. (Dalton Publications, L.L.C.).

		Keith Fevurly, CFP®, M.B.A., J.D., LL.M. Executive Director, Financial Planning Education Program Kaplan Financial Instructor
Keith Fevurly, Financial Planning Education Program Executive Director at Kaplan University, holds an M.B.A. in finance and accounting from Regis University (Denver, Colorado), a J.D. in law from Washburn University (Topeka, Kansas), and an LL.M. specialty degree in taxation from the University of Denver Graduate Tax Program. Keith has been involved in the education of personal financial planners for over 16 years, most recently serving as the Vice President of Education for the College For Financial Planning (Denver, Colorado), where he was responsible for the development and administration of all curriculums. He has also been the chief operating officer of a private business, as well as an estate tax attorney with the Internal Revenue Service. He has earned the CERTIFIED FINANCIAL PLANNER™ certification.

		Thomas Kappenman, CLU, ChFC, CFP®, RHU Kaplan Financial Instructor
Thomas Kappenman, currently owns his own general agency/marketing company in Lincoln, NE. Previously he held positions including, Executive Director of Qualified Plan Marketing, Marketing Vice President, President of the Agency Strategic Business Unit with major financial services firms. He attended the J.L. Kellogg Graduate School of Management, at Northwestern University.

		Randall C. Martinez, CPA, CFP® Kaplan Financial Instructor
Mr. Martinez is Senior Associate of an international accounting firm, specializing in Personal Financial Planning, estate planning, and individual income taxation. He received his Bachelors of Accountancy from Loyola University in New Orleans, Louisiana. Mr. Martinez is currently pursuing a Masters of Accounting in Taxation from the University of New Orleans. His memberships include the Louisiana Society of CPAs and is a technical reviewer of BISYS Review for the CFP® Certification Examination: Volume I - Outlines and Study Guides and Volume II - Problems and Solutions.

		James J. McHale, CFP®, CPA Kaplan Financial Instructor
James McHale, currently owns his own financial planning and insurance practice in San Francisco. Prior positions include those of accounting manager and controller/contract manager. He holds an MBA from the State University of New York at Buffalo where he also taught undergraduate accounting courses.

		Jeff Mershon, CFP®, M.B.A., CPA Associate Director Kaplan Financial Instructor
Jeff Mershon, Associate Director at Kaplan University, holds an M.B.A. degree in finance and accounting from Cornell University's Johnson Graduate School of Management (Ithaca, New York), and is a Certified Public Accountant in Colorado. He is also a CERTIFIED FINANCIAL PLANNER™ certificant. Jeff has been involved for nearly 10 years in the education and regulation of financial planners and has provided consulting services to many organizations within the financial planning profession. Most recently he served as Director of Curriculum Development for the College for Financial Planning (Denver, Colorado), where he was responsible for the development and maintenance of all curricula. Prior to that, Jeff was Assistant Executive Director and Director of Post-Certification for the Certified Financial Planner Board of Standards, Inc. in Denver.

		Rosemarie Motusesky, CFP® Kaplan Financial Instructor
Ms. Motusesky's background includes holding the position of Director of Learning Services at Telcordia Technologies. She is the designer and developer of Telcordia Corporate Finance and Personal Finance Curricula. She is also the Corporate Benefits and Employee Owner Relations Consultant and has been an Adjunct Professor at Fairleigh Dickinson University since 1995. Ms. Motuseksy provides instruction on the topics of Investments, Insurance and the Fundamentals of Financial Planning and served a one-year term as Academic Director for the Financial Planning Program at Fairleigh Dickinson University. She received her MS in Management from New Jersey Institute of Technology (NJIT) and a BS in Economics from Rutgers University. She is a member of the Financial Planning Association.

		Mariette T. O'Malley, CPA, J.D. (TAX), CFP® Kaplan Financial Instructor
Ms. O'Malley is a Tax Partner in small, family-owned public accounting firm, currently in its third generation. She currently focuses on individual tax and financial issues. She holds a JD with Tax Honors Certificate from Rutgers University, School of Law, a BS Accounting from LaSalle University. Ms. O'Malley has Diplomat Status with the American Board of Forensic Accounting and belongs to the following organizations: the American Association of Attorney-Certified Public Accountants, the American Institute of Certified Public Accountants, and the American Bar Association. Taught review courses for Conviser-Duffy, a division of Harcourt Brace, for CPA exam candidates and is a frequent lecturer on tax and financial matters to local business and civic groups. She is a contributing speaker to the AICPA Individual Income Tax Course with Sydney Kess, CPA, LLM (Tax) - both video and live. Ms. O'Malley is a contributing author to CPE course on 401(k) plans designed for the Internet. She is also a member of Cinnaminson Planning Board & Cinnaminson Township Environmental Committee.

		John J. Pallaria, MBA, CHFC, CFP® Director of Account Executives, The Principal Financial Group. Kaplan Financial Instructor
Manages a team of relationship managers that are responsible for the overall client servicing of Principal's retirement business in New England. Mr. Pallaria is a previous Relationship Manager within Scudder Investment's retirement division and has also worked as a Portfolio Accountant with Putnam Investments. He received his BS in Business Administration with a major in Finance from Merrimack College in Massachusetts and received his MBA from Southern New Hampshire University. Mr. Pallaria received Certificate in Financial Planning from Merrimack College in 2001 and obtained Chartered Financial Consultant (ChFC) from The American College in Bryn Mawr, PA in 2002. Mr. Pallaria is an adjunct faculty member at Boston University and teaches Retirement Planning, Income Tax Planning and Estate Planning in BU's CFP® Board-approved Program. He is also a former adjunct faculty member in Merrimack College's CFP® Board-approved Program.

		John Penn, CFP®, AAMS Kaplan Financial Instructor
John Penn possesses over 12 years of previous experience in Financial Planning instruction through the College for Financial Planning. He is currently a member of Kaplan's senior faculty providing instruction for several series principle license courses including insurance licensing. He earned a Master of Science in Business Administration from the University of Wisconsin, Milwaukee and a Master of Arts in Education from Cardinal Stritch University. John also teaches for the Masters in Financial Planning at Lakeland College in Wisconsin.

		David Pouso, CFP® Kaplan Financial Instructor
Mr. Pouso is Senior Manager in the Los Angeles Personal Financial Services group of a Big 4 accounting firm. He has over ten years of financial planning experience, focusing on financial planning for corporate executives as well as financial planning and financial education for general employee populations. Areas of planning include retirement, income tax, estate and gift taxes, and fundamentals of investments, personal insurance, equity-based compensation, cash flow and debt management, and employee benefits. He has extensive speaking experience to employee groups on financial planning topics and attended the New England School of Law; Boston, Massachusetts (Juris Doctor) and attended the University at Albany; The State University of New York Bachelor of Arts, Economics and Business. Mr. Pouso was admitted to the Bar of the State of New York and Bar of the Commonwealth of Massachusetts. He is a member of Professionals in Human Resources Association, Los Angeles Chapter.

		Bill Ragle, Ph.D., CFP® Associate professor of finance at Cedarville University Kaplan Financial Instructor
Mr. Ragle is Associate professor of finance at Cedarville University where he teaches classes in investments and financial management. He received his Ph.D. in finance from University of North Texas, his M.B.A. from University of North Texas and his B.S. from Stephen F. Austin State University. His research has been published in the Journal of Research in Finance and the Journal of Financial and Economic Practice and is a member of the Financial Management Association and Financial Executives International.

		Shashin G. Shah, CFA, CFP® President - SGS Wealth Management, LLC Kaplan Financial Instructor
Mr. Shah is a CFP® professional and is a CFA Charterholder as well. He is a the President of a Private Client Wealth Management Company based in Dallas, TX. He is a former Board Member for the Financial Planning Association in Dallas and member of the National Advisory Task Force on Financial Planning for the National Financial Planning Association. Mr. Shah has been interviewed and featured in the Wall Street Journal, NBC Nightly News, LA Times, Dallas Morning News, ABC, and CNN. Mr. Shah holds his Series 7, Series 63, and is a Group I licensed advisor. Mr. Shah has been a CFP® Review Class Instructor since 2002.

		Kristi M. Tafalla, JD, MS, ChFC, CFP® Kaplan Financial Instructor
Ms. Tafalla is an Attorney and Personal Financial Planner specializing in Personal Income Tax and Estate Planning. Ms. Tafalla teaches estate planning, income tax planning and comprehensive case course through various CFP Board-Registered Programs. She is former Director of Product Development, Advanced Designations for BISYS Education Services. Ms. Tafalla received her Juris Doctorate from Louisiana State University in Baton Rouge, Louisiana and holds a Masters of Science in Accounting with a Tax Specialty from the University of New Orleans. She also holds Bachelors of Civil Law from Louisiana State University in Baton Rouge, Louisiana, and a Bachelors of Business Administration in Accounting from Loyola University, New Orleans. Ms. Tafall is a member of the American Bar Association (Sections: Real Estate; Probate and Trust; Income Tax; Family Law; Business Law), the Louisiana Bar Association (Licensed to practice in Louisiana), and the Financial Planning Association. She is also a Contributor to the Personal Financial Planning: Theory and Practice, 1st and 2nd and 3rd editions, contributor BISYS Review for the CFP® Certification Examination: Volume I - Outlines and Study Guides, Volume II - Problems and Solutions, Volume III - Case Exam Book, Mock Exams A-1 and A-2, 5th, 6th and 7th and 8th editions.

		Scott A. Wasserman, CPA/PFS, ChFC, RFC, CFP® Kaplan Financial Instructor
Mr. Wasserman is a Senior Manager in the Personal Financial Planning practice of an international accounting firm. Mr. Wasserman develops estate, income, and retirement planning software use by the financial planning professionals throughout the firm. He holds his BBA from the University of Texas in Austin and is a member of AICPA, the Texas Society of Certified Public Accountants, the Financial Planning Association, and Treasurer of the Financial Planning Association of Dallas/Ft. Worth. Mr. Wasserman is an Instructor of tax, retirement, and estates for the Review for the CFP® Certification Examination (formerly for BISYS Education Services). He is co-author of BISYS Financial Planning Flashcards and co-author of BISYS Review for the CFP® Certification Examination Volume II, Problems and Solutions. Mr. Wasserman is also contributing author to BISYS Review for the CFP® Certification Examination Volume I, Outlines and Study Guides.

		Chris White, CFP® Kaplan Financial Instructor
Chris White has experience in financial services since 1993. Mr. White prepares comprehensive financial plans for clients and their families, including tax, retirement, investments, asset allocation, insurance needs analysis, business succession issues, special capital needs, and estate planning. He is experienced in administering trusts, agency and custodial accounts, IRAs, and private foundations. Previously served at Fidelity Investments, designing and implementing retirement plans for small businesses and their owners, he is a member of the Board of Directors of the Cincinnati chapter of the Financial Planning Association; curriculum instructor since 1998. Mr. White holds his MBA with a concentration in Taxation from Xavier University and a B.S. in Accounting from the University of Cincinnati.

**Kaplan Financial includes these leading brands:  Dearborn Financial Services, BISYS Education Services, eMind, Insurance Achievement, Schweser™ Study Program, and Kaplan CPA Review 1 Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP(with flame logo) ® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. Kaplan University does not certify individuals to use the CFP®, Certified Financial Planner™ and CFP (with flame logo) ®, certification marks. CFP certification is granted only by Certified Financial Planner Board of Standards Inc. to those persons who, in addition to completing an educational requirement such as this CFP Board-Registered Program, have met its ethics, experience and examination requirements. 2 Kaplan Financial and Kaplan University are review course providers for the CFP® Certification Examination administered by Certified Financial Planner Board of Standards Inc. CFP Board does not endorse any review course or receive financial remuneration from review course providers. * Includes preparation for career exams like securities and insurance licensing, CFP® certification, CFA, and undergraduate and graduate-level exams like the SAT, LSAT, MCAT, etc.