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2019 NNOA 47th ANNUAL




NNOA offers the following events to enhance the experience of Symposium attendees. Life Skill sessions are designed to improve your understanding of basic financial wellness and real estate practices using your Veterans benefits to improve your quality of  life and retirement.  Career Counseling sessions are specifically designed for Junior Officers who will connect with Senior Leaders to garner valuable career information for advancement and better navigation in the military.  Our STEM event serves as our commitment to expanding the knowledge of middle and high school students in anticipation of serving our country in a STEM based military career.

Life Skills

Financial Wellness

Speaker: Irvin Jewell Spencer, Northwestern Mutual Agent

Tuesday, August 6, 2019

6:30 PM – 7:30 PM

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  • Taking the Myth our of becoming debt free
  • How can you reach your financial goals and dreams
  • Marriage and Money
  • How Money Works? “It’s not what you earn, but what you keep”
  • Emergency funds/Short term savings/
  • Long term savings and investments

Irvin Jewell Spencer became a representative of Northwestern Mutual in 2015. Irvin Jewell Spencer is a representative of Northwestern Mutual Wealth Management Company (WMC). WMC is a wholly owned company of NM and a limited purpose federal savings bank. WMC is not a broker-dealer or insurance company. Irvin Jewell Spencer is a registered representative of Northwestern Mutual Investment Services, LLC (NMIS).

Topic: Secrets to weath building and real estate while serving in the military

Speaker: Lorraine Santirosa, CEO, Realtor

Tuesday, August 6, 2019

7:30 PM – 8:30 PM

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Topic: Secrets to wealth building and real estate while serving in the military

It’s a known fact that homeownership is the cornerstone of wealth. For military families and service members there’s always been this myth that during times of service, homeownership is a bad idea or considered out of reach. I’m here to dispel those myths!

The most opportune time to build wealth through homeownership is while serving your country. The question is: are you making the right housing decisions?

You won’t want to miss this thought provoking presentation of how to leverage your service to build wealth.


  • Why Real estate is about making the right housing decision while serving your country
  • The Power of the VA home loan benefit
  • The VA Renovation Loan and other options
  • Why you should “Own Where You Serve”
  • How to leverage your military pay to build wealth
  • It’s never too early to start building wealth
  • Why Homeownership for veterans is now easier than ever
  • Wealth of veterans vs. civilians, why this generation can flip the script
  • Why the rate of homeownership for African Americans is at an all time low
  • The fear of having served with nothing to show
  • Debt free and serving in the military

Lorraine Santirosa

Lorraine Santirosa also known as the “VA Queen” is proud to serve military families and veterans with their real estate needs in San Diego.

As a 20 year former Navy spouse, Lorraine knows first hand the challenges military families face with constant deployments and relocation. Her experience as a VA Homebuying Expert makes her the most qualified Realtor in San Diego serving the military and veteran community. She specializes in helping active duty military families purchase homes using their VA home loan benefit with zero money down. Helping military homeowners who need to sell due to PCS orders or to purchase a bigger home is also part of what she does.

Lorraine is featured in the National Association of Realtors (NAR) Military Relocation Professional certification (MRP) for her expertise in the real estate community. The nationally syndicated newspaper Military Times also featured Lorraine Santirosa in an article “VA loan tips…take a second look at this surprising program.”

Lorraine is extremely passionate about helping veterans and military families realize the American dream of homeownership. In 2012, she worked with Congressman Filner, former Chairman of the US House Veterans Affairs Committee to reduce the VA appraisal time frame to help make the VA home buying process more efficient for veterans in the Phoenix region, which includes San Diego.

Lorraine Santirosa is a tireless advocate for veteran housing issues. By being a member of various groups such as Veteran Association of Real Estate Professionals (VAREP), National Association of Real Estate Brokers (NAREB), and Black American Political Action Association (BAPAC), she educates veterans and other real estate professionals about the VA home loan benefit. “When there are 22 million veterans nationwide and only 2 million active VA home loans, we as real estate professionals serving the military community have a lot of work to do”

In 2014, Lorraine Santirosa founded the website, a worldwide network of agents serving members of the armed services and veterans with their real estate needs. Services provided include home buying, selling, VA loan approval, credit, VA loan facts, real estate agent referral and relocation.

Having been a REALTOR® serving veterans for more than 15 years, Lorraine has coined the phrase “Own Where You Serve” because she’s on a mission to increase homeownership for veterans and change people’s lives.

Lorraine regularly conducts First Time Military Homebuyer workshops and advises community organizations and elected officials about veteran home ownership.

Lorraine is the proud mother of two adult girls


Tuesday, August 6, 2019

8:00 AM – 3:00 PM


USS Makin Island, LHD-8 at Naval Base, San Diego

  • Welcome by Flag/General Officer
  • Ship Tour 
  • Static Displays, Robotics/Drone Stations
  • Lunch with crew/recruiters/ Blue and Gold Officers
  • Hands-On STEM Activity
  • Scholarship Presentation

Registration Deadline:  June 30, 2019

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Career Counseling

Thursday, August 8, 2019

7:00 AM – 7:45 AM

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(Junior Officers requesting Service Funding, click here to complete the Service Funding Request form.)


Junior Officers interested in receiving one-on-one career counseling are invited to sign up for this valuable resource. Each session will be 30 minutes and all attendees requesting a session with a senior officer will receive a confirmation time for arrival to their personal one on one session.

Interested JO’s who register for the symposium and indicate their desire to receive career counseling will have the opportunity to attend.

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(Need to request service funding? Click to Request)