We Bring Experience and Compassion to Long Term Care
John "Skip" Frenzel
2013 Recipient of Society of Certified Senior Advisor® Service to Seniors award in Community Citizen category
August 8, 2013
Received award which honors a CSA® who has gone above and beyond in giving time, effort and talent to a senior‐related organization or senior‐related community cause improving the quality of life for seniors. (volunteerism)
2013 Recipient of Senior Real Estate Specialist® Outstanding Service Award
November 9, 2013
Once a year, an outstanding SRES® designee is selected by an independent panel to be awarded the SRES® Outstanding Service Award. I have received it for 2013.
(see pictures of awards in attachment below)
Since getting my Real Estate salesman license in 1977 and my Broker’s license in 1979, I have been a REALTOR® Emeritus with the Santa Clara County Association of REALTORS® (formerly San Jose Real Estate Board). I worked for Stevens Creek Realty most of this time. I now have my own brokerage, Agape Real Estate, and do referral only business.
In 1992 I became a Certified Financial Planner®, obtained my securities licenses, and got my life insurance license which allows me to sell Long Term Care Insurance (LTCI) and annuities. I also completed requirements to sell CA Partnership LTCI. I worked with Reinhard, Werba, Bowen of San Jose and later with Royal Alliance Associates, part of AIG Group. I left Royal Alliance in 2007 to start my own business, Agape Long Term Care, specializing in services to seniors, REALTORS®, and providing service in Long Term Care (LTC). I am also a Certified Senior Advisor® and a Generational Housing Specialist™.
Born in Waynesboro, PA, I attended the University of Pittsburgh majoring in Aerospace Engineering. I moved to California in 1970 and subsequently graduated from San Jose State University with a B.S. in Meteorology and an Aerospace minor. I was hired by The Flying Tiger Line in 1978, later bought by FedEx, where I flew worldwide as a pilot on DC-8’s, Boeing 747’s, and finally MD-11’s. I retired from FedEx in 2004.
My flexible lifestyle as a pilot allowed me to pursue many other interests. I am an avid bicyclist, oenophile, and have volunteered for many organizations including the Los Altos and Campbell United Methodist Churches, Silicon Valley Financial Planning Association, Silicon Valley Village, Villa Montalvo, Mt Winery, the San Jose Grand Prix, and as well as other community events. I worked part time for several years at the former Mirassou Vineyards, in San Jose, in the Tasting Room, hosting special events and conducting wine education. A student of A Course in Miracles, a member of Mensa, Corvette enthusiast, and a certified mediator I maintain an active life and full schedule.
I am a REALTOR® Emeritus, Certified Financial Planner®, and Certified Senior Advisor® working in the Senior Market. I do not sell real estate anymore because my clients are exclusively REALTORS® with the senior designation, Senior Real Estate Specialist® (SRES®). I help the REALTORS® to assist their senior clients, and the children of these clients, in areas other than real estate. I do this with a team of professionals that are experts in their various fields. Through them, the REALTOR® can provide services in areas that they can’t do, don’t want to do, or aren’t licensed to do. Together, we form an integrated team that can solve most any senior related problem. The main things that I provide are planning and education to the REALTORS® and their clients. I am also an instructor for the SRES® class/designation.
I use a variety of options to educate my REALTOR® clients including seminars and workshops, a cache of materials, articles, books, PowerPoints, a library of TV shows, and industry handouts on topics of interest in the senior market. I provide each new REALTOR® client with an Agent Resource Kit. I regularly update the blog on my website, and routinely send out eblasts that keeps the REALTOR® informed of the latest news that affects them. I alert them to seminars, faires, open houses, meetings, or other senior events in our area. I teach how to correctly deal with seniors and their issues, how to assist caregivers, and how to gain access to the senior market. Since relationship building is the cornerstone to working with seniors, I help the REALTORS® provide information and resources to their clients to earn their trust and confidence. The REALTORS® can provide these services without being an expert on these areas themselves. I provide as much or as little service as the REALTOR® wants.
Being a real estate broker and Certified Financial Planner®, I can bring a broad range of services to REALTORS®. I personally specialize in Long Term Care and related fields.
Specialist in the Senior Market
Agape Long Term Care CA License #0B33867
September 2007 – Present
I specialize in the Senior Market providing non-real estate services to SRES® REALTORS® helping their senior clients and their children. Since I am both a REALTOR® and Financial Planner®, I bridge the 2 disciplines to give REALTORS® expert service through education and planning. As my motto states, "It's all about Love!"
Certified Senior Advisor®
Certified Financial Planner®
Chartered Mutual Fund Specialist®
Certification in Long Term Care
Licensed to sell annuities, life insurance products
Licensed to sell Long Term Care Insurance, California Partnership for Long Term Care
enrolled in Certified Senior Advisor course, will complete and earn CSA® designation February 2012
member of Financial Planning Association
member of Certification for Long Term Care
member of American Association for Long Term Care Insurance
member of Long Term Care Guild
member of Senior Roundtable, Santa Clara Chapter
member of Aging Services Collaborative, Silicon Valley
member of AGEnts for Change
member of San Tomas West Neighborhood Association
active user of LinkedIn
Agape Real Estate CA License #590513
Graduate REALTOR® Institute
Certified Residential Specialist
Senior Real Estate Specialist®
Generational Housing Specialist™
Broker working with SRES® REALTORS®. I do not actively transact real estate anymore, but only do referrals and educational seminars and workshops on the Senior Market.
I am an instructor for the SRES® certification/class. California Association of REALTORS® is my provider.
Los Altos United Methodist Church
April 2010 – March 2015
Serving on Senior Ministries Committee planning more senior activities, events, and services for seniors in the church. I am in charge of the Professional Services section creating educational programs, seminars, lectures, workshops, and presentations dealing with senior topics.
Also, twice a month Senior Chat meetings deal with a variety of senior issues. I share the hosting of these meetings with another volunteer. We select topics, find speakers, and host the meetings.
Silicon Valley Village
March 2010 – July 2013
Working with other volunteers to establish a Village in the Santa Clara County area to help people age in place in their own homes by offering services and programs. Seeking other volunteers, committee members, and chairs to launch this project.
Silicon Valley Financial Planning Association
December 2008 – Present
Volunteering on the Program Committee planning, organizing, and hosting regular monthly meetings of SVFPA.
Also volunteer team member for Brown Bag Meetings which are smaller, monthly lunchtime meetings dealing with non-mainstream financial planning topics. Team members find topics and presenters for these meetings, organize and host the meetings.
Advisory Council Member for the City of Campbell to Santa Clara County Sourcewise
Advisor on board that represents city residents as an advocate in senior matters and developing, implementing, and monitoring services and plans for change.
Senior Roundtable Santa Clara County Chapter steering committee member
Find topics and speakers for the monthly meetings of Senior Roundtable. Work with other steering committee members on various SRT projects and logistics such as the annual Senior Faire, forms, and procedures to improve quality of SRT group and meetings.
Santa Clara County Association of REALTORS® (SCCAOR)
REALTOR® member Education Committee
July 2016-June 2017
Serve on committee to find educational topics and presenters to present to SCCAOR and annual SCCAOR Convention.
EXPANDED BIO FROM SOCIETY OF CERTIFIED SENIOR ADVISOR'S® MONTHLY NEWSLETTER, "SENIOR SPIRIT" JAN. 2013
PRELUDE TO A DREAM
The question I get asked the most now is, "So how did you get into the Senior Business?" Good question, especially if you know where I came from. Ten years ago, I was living the glamorous life of an international airline pilot flying the heavy iron to all parts of the globe for a ton of money. That was my passion, my dream. I worked hard for it sacrificing everything to live the dream. And I did it; I "went to the show" as they say in baseball. But it ended when my body started changing. I medically retired early.
Along with the change in my health and my job status, many other transitions were changing my established life. One such change got me into the Senior Market. A sudden long term health event happened to someone I loved. My widowed mother living in the house in Pennsylvania that I grew up in since I was one year old, got up to go to the bathroom one night, fell, spent the night on the floor until my aunt found her the next morning. That started the procedure of selling the house and contents and moving her to an assisted living facility where she lived until she died from complications of a stroke 3 years later. I was supposed to be knowledgeable about these things since I had all this "training". But I was a deer in the headlights. I didn't know what I didn't know. Thank God I did have help from family and friends. The smartest thing I did was help her fill out an estate planning form that listed her assets, belongings, legal instruments, etc. so that it wasn't an Easter egg hunt for me to find everything. Yet, it was a learning experience. I realized I didn't know it all and that I wanted to help others like me that had this unexpected, sudden change thrust on them. I would learn what I could and pass it on to others that didn't know what they didn't know.
OH GOD THY SEA IS SO GREAT AND MY BOAT IS SO SMALL.
There is an overwhelming amount of "stuff" to know in the Senior Market. I didn't know what I didn't know. There was too much. Well, with reckless abandon, I took all my disciplines of real estate, financial planning, long term care, and life, and knitted them into a fabric of useful information. I looked at my mistakes, my experiences, and my history and realized that I needed a plan. How could I help others? The first place I looked was at REALTORS®. Without any formal training or guidance, they work with Seniors on a daily basis helping them downsize, move, and go through life changes. Nobody was helping them either, I know, I was one of them. They didn't know what they didn't know either. They usually don't have the resources or knowledge to help Seniors beyond the normal real estate activities, however, the Senior Market is much more than just real estate. It encompasses retirement, estate planning, long term care, insurance, portfolio management, the psychology of aging, life changes, physical challenges, and so much more. Where do REALTORS® get the training for this? I decided this is where I could do the most good. I already had the only REALTOR® designation for working with and having advanced knowledge of Seniors, the Senior Real Estate Specialist® (SRES®), but I wanted to do more with the designation. I wanted to teach the course to other REALTORS®. With my background in financial planning and long term care, I could bring more resources to the designation than the basic course offered. But I had trouble breaking into the inner circle, it took 2 years to qualify and become an SRES® instructor, and many of the other instructors did not share information with me. Even though I was one of them, I was still an outsider and many regarded me as their competition. Teaching the class just showed me how much material there is to share. It can't be done in the 2 days using the curriculum the SRES® course provides. While this is a real estate course, it contains very little real estate, it highlights the Senior business. So while the other instructors are experts and experienced in real estate, many teaching a bunch of other real estate courses, the SRES® class is the only one I teach and am qualified for. The others know real estate, I know the Senior Market, we approach the class from different angles. This allows me to do more than the normal content of the course, I "super size" it. They sometimes don't get it right either. The course text has some mistakes, but it is much better than when I took the course in 2006. And some instructors are giving out incorrect information. But this course is the start for agents to learn how to work with Seniors. This gives each agent a bit more knowledge on how to help their clients. But if that weren't enough, I have developed a class called "What SRES® Didn't Teach You: How Far Down the Rabbit Hole do you want to go?" The name says it all.
BUT WAIT, THERE'S MORE!
Beside teaching the SRES® class and "Down the Rabbit Hole...", I also have a beginners class for REALTORS® to introduce them to the Senior Market called "The Alchemy of the Senior Market: Turning Lead into Gold."
Finally, my local real estate board has sought me out to assist them with the formation of a Senior Resource Center at the board. I am helping to develop a program and resource center so that Seniors can find the answers to things that they need. Since they don't know what they don't know, it will be useful to the public and will be staffed with SRES® REALTORS® from the board.
I would also like to do more work on affordable housing for Seniors. This is a very complex and challenging subject in our area. And I want to work with planning Cities of the Future. This involves bringing people from the suburbs back into the cities and relying less on automobiles. This means returning to multiuse residential/retail buildings like from the 40's and 50's, using many new ideas to help us live better including walkable neighborhoods with local shopping, local villages within the city, green technologies, and more.
But my bread and butter is helping the REALTORS® to assist their Senior clients, and the children of these clients, in areas other than real estate. I do this with a team of professionals that are experts in their various fields. Through them, the REALTOR® can provide services in areas that they can’t do, don’t want to do, or aren’t licensed to do. Together, we form an integrated team that can solve most any Senior related problem. The main things that I provide are planning and education to the REALTORS® and their clients.
I use a variety of options to educate my REALTOR® clients including seminars and workshops, a cache of materials, articles, books, PowerPoints, a library of TV shows, and industry handouts on topics of interest in the Senior Market. I provide each new REALTOR® client with an Agent Resource Kit. I regularly update the blog on my website, and routinely send out eblasts that keeps the REALTOR® informed of the latest news that affects them. I alert them to seminars, faires, open houses, meetings, or other senior events in our area. I teach how to correctly deal with Seniors and their issues, how to assist caregivers, and how to gain access to the senior market. Since relationship building is the cornerstone to working with Seniors, I help the REALTORS® provide information and resources to their clients to earn their trust and confidence. The REALTORS® can provide these services without being an expert on these areas themselves. I provide as much or as little service as the REALTOR® wants.
Besides the real estate work, I have interests in other areas of the Senior business. Here are a few...
I am on the Advisory Council to the Council on Aging representing the City of Campbell. We review, implement, and monitor programs that affect Seniors in our county.
I am on the Senior Ministries Committee at the Los Altos United Methodist Church. We plan Senior activities, events, and services for Seniors in the church. I am in charge of the Professional Services section creating educational programs, seminars, lectures, workshops, and presentations dealing with Senior topics. Actually, I have started a program called "We don't know what we don't know." Does that sound familiar? Also, I host twice a month Senior Chat meetings dealing with a variety of Senior issues. I select topics, find speakers, and host the meetings.
I have been a volunteer for the Silicon Valley Village since inception trying to establish a Village in the Santa Clara County area to help people age in place in their own homes by offering services and programs. I help seeking other volunteers, committee members, and chairs to launch this project.
I serve as a volunteer with the Silicon Valley Financial Planning Association serving on the Program Committee planning, organizing, and hosting regular monthly meetings of SVFPA
I also volunteer as a team member for Brown Bag Meetings which are smaller, monthly lunchtime meetings dealing with non-mainstream financial planning topics. Team members find topics and presenters for these meetings, organize and host the meetings.
I also serve on several advocacy groups including AGEnts for Change, Aging Services Collaborative, and the Senior Agenda to the county Area Plan working with areas that are new or changing our programs with Seniors.
But one of my greatest achievements and useful designations I have is the Certified Senior Advisor®. This course brought all of the above together into one comprehensive package which gave me the missing pieces to link all of my disciplines and knowledge together. It is not an easy course to pass, nor cheap, but the value of having it not only benefits the designee, but all of his clients. This brings the polish to the rough topics that I sort of knew, but needed just a little more depth of knowledge. And just having it gives me the unspoken recognition of master of my trade. I am proud to have gotten the CSA® and share it with my fellow cohorts. The combination of being a CSA®, CFP®, REALTOR® and long term care expert puts me in a position of authority and expertise when it comes to Senior work.
Lastly, I am an enthusiastic member of our local Senior Roundtable, and of LinkedIn. I will gladly link with others working in the field if invited.
I know this is a lot if information about me, but I wanted to cover most of it. At least you didn't have to sit through my baby pictures, my Scout awards and medals, pictures of my Senior Prom, and vacation pictures of the Grand Canyon. Even with this overabundance of information, I did spare you many details. Be grateful for small favors!