Federal Employee Pre-Retirement Planning


Our Team / Credentials

Marshall Howard, doing business as Marshall Howard Insurance, has over 25 years experience in retirement, financial, and estate planning for both private and federal sector families. As a veteran, spouse, and son of federal employees and annuitants, he understands the benefit programs available to them, including deferred compensation, Medicare, and Social Security, as well as health, life, disability, and long term care insurance. As a service disabled veteran, he has personal experience with the Veterans’ Administration health and disability programs. Mr. Howard is a graduate of Stanford University, served in the US Marine Corps in Vietnam, and has achieved recognition in the insurance industry. He is a specialist in estate planning and has particular expertise in the use of insurance and annuities to assist his clients in reaching their goals. He is a licensed life and health agent and is an active participant in the HUD Reverse Mortgage Program for Senior Citizens. Marshall has achieved special recognition for client retention and expertise on matters of financial planning and estate planning.

Julianne Howard has over 25 years experience in the federal sector as a civil servant and manager and understands, first-hand, the needs and concerns of the individuals who comprise the federal workforce and their families. For more than eight years, she has prepared and presented benefit and retirement program training to federal, corporate and non-profit audiences. Julianne has exceptional knowledge of the federal benefit programs and has been commended widely for her warm and engaging presentation style. Prior to joining MLH Training, Inc., she was founder and president of Julianne Howard Government Seminars, to which the US Navy and the US EPA awarded contracts and under which she holds GSA contract GS-02F-0197S (SCHEDULE 69).

Ms. Howard holds a Masters Degree in Public Administration from George Washington University, where she was elected to Pi Alpha Alpha National Graduate Honor Society. She is a Certified Elder Planner, a licensed Life, Health and Long Term Care Insurance Agent in California, and is a Securities Registered Representative (Series 6 & 63). She is also a Registered Pharmacist with a degree from the State University of New York at Buffalo. During the Vietnam era she served on active duty in the US Army and was a member of the US Army Reserves.

Attorney Brian S. Mandel has specialized in Estate Planning and Asset Protection for over eight years and has personally drafted over 1,000 estate plans. He is a member of the State Bar of California, the Orange County Bar Association, and the Los Angeles Lawyer’s Club. He graduated from Western State University College of Law with a Juris Doctorate and also has a Bachelor of Science degree in biology from the State University of New York. He has passed the rigorous written examination administered by the State Board of Legal Specialization to be Certified Specialist in Estate Planning, Trusts, and Probate Law.

Brian has appeared on local radio as a guest speaker on advanced estate planning. He is a member of the Speakers Bureau for the Trusts & Estates section of the State Bar and has spoken to hundreds of clients at seminars throughout California. Brian also regularly lectures to paralegals, CPAs, and other financial-services professionals on various aspects of estate planning. Brian also serves on the Professional Advisory Committee to the Community Foundation of the Jewish Federation and has also been elected to the Board of Directors of Jewish Family Service of Orange County. Brian has a special interest in the needs of the Federal workforce, as one of his children is with the US Coast Guard.

Medicare, Annuities & Long Term Care Insurance
Nicholas Chinnici is an acknowledged expert in the field of Medicare, annuities, and long-term care insurance and a consultant exclusive to MLH Training, Inc. He was one of the early leaders in family retirement planning and management. His deep concerns and sincere interest in helping families reach and maintain their retirement objectives have earned him the highest respect within in his community and nationally. Beginning as early as 1985, Mr. Chinnici served as a paid consultant to executives of top insurance companies and to insurance underwriters in designing, pricing, and marketing long term care insurance. For approximately 1-1/2 years, he traveled nationally for US Care, Inc., giving seminars to residents of assisted living facilities on the options available to them and their families.

Nicholas is a graduate of Loyola University, a Registered Health Underwriter, and a licensed Life, Health, and Long Term Care Insurance Agent in California, and holds a Series 6 Securities License. He served on active duty in the US Army.

Social And Psychological Preparation For Retirement
Linda F. Barnhurst, PsyD provides a psychological and sociological perspective on retirement. She personally has experienced major career and lifestyle changes at mid-life. She understands the status, psychological, social, and financial concerns that often accompany such changes. Her presentation and reference materials incorporate her own personal experience with her professional expertise as a licensed psychologist to make this information of significant benefit to the federal workforce making similar changes at mid-life.

Dr. Barnhurst is a licensed clinical psychologist who has been in private practice since 1990. She has taught, written, and presented psychological issues for the public in a number of areas. She received her PsyD from the Rosemead School of Psychology, Biola University in 1992; her MA from Rosemead in 1987; and her BA from Connecticut College in 1963.

Clarissa Buck serves as a curriculum consultant and editor. Miss Buck, a former University instructor at the University of Washington, Seattle, is a learning specialist and professional writer. She has experience developing educational content for a variety of workshops, classes, and the Web. She received her MA in English from the University of Washington in 2000 and her BA from the University of Nottingham (U.K.) in 1995.

Ms. Evans is a senior associate at Fitzgerald Abbott & Beardsley LLP in Oakland, CA and a member of the firm’s Estates and Trusts and Business and Corporate Transactions Groups. Ms. Evans has extensive experience in preparing special needs trusts in the estate planning context as well as for the purpose of protecting litigation proceeds. She also handles a variety of conservatorship, trust and estate planning matters and advises fiduciaries regarding their duties with respect to those matters.

In the corporate area, Ms. Evans advises clients regarding entity formation and reviews, drafts and negotiates business contracts including shareholder agreements, buyout agreements and stock and asset purchase agreements. She combines her estate planning and corporate expertise to assist clients with business succession planning.

Education: J.D., University of California, Berkeley, Boalt Hall School of Law, 1996; B.A, cum laude, University of California, Los Angeles, 1992
Admissions: State Bar of California
Affiliations: Alameda County Bar Association, Elder Law Committee, Chair, 2005; Alameda County Bar Association, Trust and Estates Planning Section; Estate Planning Council of the Diablo Valley
Speaking and Teaching Experience: California State University, Fullerton, "Legal and Ethical Aspects of Trusteeships" Spring, Fall, 2004;
Current Legislation, Professional Fiduciaries Association of California, 2002; Trust Administration, California Continuing Education of the Bar (CEB), 2001

Since 1999, Ms. Evans has been a frequent speaker at Service Corps of Retired Executives (SCORE) programs that provide counseling for entrepreneurs, start-ups and established small businesses.

Libby has been with Bay Isle since 1993. In addition to portfolio management, Libby writes the text for Bay Isle’s quarterly reports, edits the FINANCIALink newsletter, and teaches the Investment Basics seminar series. Libby works with many different types of clients, but specializes in helping people in emotional transition. Libby is a graduate of UC Berkeley, holds the designations of Certified Financial Planner, Certified Divorce Financial Analyst, and Certified Grief Recovery Counselor and is a member of the San Francisco Financial Planners Association. Libby holds a First Degree Black Belt in Kuk Sool Won, and speaks four languages. Libby can be reached at ext. 773 or by e-mail at libby.palomeque@bayisle.com.

Vice President, Private Client Division, RNC Genter. Ms. Strauss joined RNC Genter Capital Management in 2000. She currently works as a Financial Advisor to Charles Schwab working closely with their clients to achieve their financial objectives while addressing their personal financial risk tolerance. As desired by her clients she works in conjunction with individual financial planners, as well, to accomplish the short, mid range and long term financial goals established in their plans. Ellen and the professional financial staff at RNC Genter manage several billion dollars of assets and have over 20 years of experience.

She began her financial services career in 1979 with Citibank NA in New York specializing in private banking and investments. She has been associated with Citigroup NYC, Merrill Lynch, Israel Discount Bank, City National Bank as well as RNC Genter. Through the past 20 years she has developed relationships in Mexico and Latin America.

Ms. Strauss earned a B.A. from Pitzer College and a M.Ed. from the University of Vermont. She is fluent in the Spanish language and is responsible for helping with global business development.

© 2004-06 MLH Training, Inc.
2834 Polk Street • San Francisco, CA 94109 • Phone 888-688-8759 • Fax 888-688-8762


The Company


Course Information

Registration Information

Course Pricing


Contact Us

MLH Training, Inc.
2834 Polk Street
San Francisco, CA 94109


MLH Training is a service disabled veteran-owned small business.