massachusetts naifa insider ma... · frank rosano paul sardella neil wagner dennis a. dickinson...

Follow us on

NAIFA MA is off to an exciting start to our fiscal year. The major highlight was NAIFA National inducting our very own Jules Gaudreau as President of our organization. Jules has kicked off some well needed change at the national level, with the major one being a strategic plan called NAIFA 20/20. On the local side we have refocused our efforts on providing value to our local members, recruiting new members to our local board and committees and creating a strong communication platform to make sure that our members hear the work that is going on locally so that they can be informed and get involved.

In addition to working on the above focus, your board has also carried out two well attended events. The first was a 4 under 40 panel discussion in August and the second was a CE day at the TPC Norton combined with a couple industry speakers. NAIFA MA and NAIFA National continue to stay focused on reworking the DOL fiduciary rule. This is exactly why we exist to make sure these policies are put in place in the right manner and are not rushed, which could hurt our ability to serve our clients.

NAIFA MA is working now on our events for the coming 6 months. You will likely see us in your agency or hosting some more CE events. Stay tuned and look out for our continued communications which will likely not be 1,000 e-mails.

NAIFA MA FEBRUARY 2016

INSIDER

2015-2016Officers

PRESIDENT

Michael Crotty, CFP Girard Financial Group, LLC

[email protected]

PRESIDENT ELECT

Joshua O’Gara, CLU, ChFC, CFP®Commonwealth Financial Group

[email protected]

SECRETARY

Jennifer F. Shepley, CFP®, LUTCFShepley Financial Services

[email protected]

TREASURER

Daniel F. Girard, LUTCFGirard Financial Group, LLC

[email protected]

NATIONAL COMMITTEEPERSON

Adam Sachs, CLU, ChFC, CFP®, CLTCCentinel Financial Group, LLC

[email protected]

IMMEDIATE PAST PRESIDENT

Anne FletcherWellesley Financial

[email protected]

EXECUTIVE DIRECTOR

Mark A. Male New England Association Services, LLC

[email protected]

PRESIDENT’S MESSAGE

NAIFA POLICY ON RECRUITING AND ASSOCIATION ACTIVITIES

The official activities of NAIFA and its state and local associations shall not be used as a forum or means for individual members to actively or directly recruit other members to their companies or agencies (i.e., proselytizing).

Association time and resources must focus on NAIFA’s mission to advocate for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of our members. Proselytizing is not consistent with this mission and is not appropriate association business.

This policy shall not be construed to interfere with an individual member’s freedom to recruit others on their own time, in connection with their own business affairs, apart from association activities. This policy also shall not be constructed to preclude company or agency advertising, exhibits, or sponsorships, in connection with association publications or activities.

NAIFA MATelephone: 401.732.2400Facsimile: 401.732.1708

www.naifama.org

Michael Crotty, CFPGirard Financial Group, LLC

NAIFAMASSACHUSETTS

Follow us on

FEBRUARY 2016 MASSACHUSETTS NEWSLETTER NAIFA MA

2

A DAY ON CAPITOL HILL

NAIFA MA Leaders, Jennifer Shepley, David Burg and Adam Sachs attended the Political Involvement and Political Action Committees Training meeting December 1st through 2nd, culminating with a Day on Capitol Hill on December 3rd. The PIC/PAC meeting was engaging, including inspiring presentations from NAIFA CEO Kevin Mayeux, Jules Gaudreau and an especially insightful presentation from Rep. Peter Roskam who shared bipartisan strategies to be able to continue serving our clients. David Burg, NAIFA MA Government Relations Chair, said it was the best NAIFA meeting he had attended. Our Day at the Capitol included meetings with the offices of Congressmen Neal, Lynch, and McGovern and Congresswoman Clark. There was no beating around the bush. Our objective was to discuss the DOL Fiduciary Proposal. We shared that we favor the best interest of our

clients, and we expressed that the existing proposal would effectively limit access to commission based options that would hurt access for small and medium investors. We noted that commission based options over the long-term can be less expensive than fee based options. We further suggested that there should be a new comment period after the DOL returns with a revised proposal.

The discussion was productive and our Congressional delegation understands the importance of what we do and how we help their constituents. A paraphrased quote from Congressman Schweikert (AZ) sums up the importance of our position. He stated, “If you are in a regulated profession and regulations change, everyone needs be on deck”.

Adam SachsNational Committeeman

Follow us on


3

2016 WESTERN MA LEGISLATIVE BREAKFAST

Springfield, MA – On Friday, January 9th, the National Association of Insurance and Financial Advisors teamed up with the Massachusetts Independent Insurance Agents of Hamden County to hold the Annual Western Massachusetts Legislative Breakfast. The event was held at the Colony Club in Springfield where about 50 members from the two organizations and 13 legislators came together to break bread and discuss issues pertinent to the industry and how they might affect constituents. The breakfast was kicked off by Alan Stearley from the Gaudreau Group, a multi-line insurance agency in Wilbraham, MA who introduced Gaudreau Group President and NAIFA National President, Jules Gaudreau. Jules’ impassioned speech drove home the vital importance that local insurance agents play in the communities of the Commonwealth and how critical it is for organizations like ours to maintain open lines of communications with our legislators.

Jules then introduced NAIFA MA president Michael Crotty who pointed out the successes of the past year for NAIFA MA and how the legislative priorities we pursue directly benefit the constituents the legislators represent.

After the speeches from the NAIFA contingent, the MAIA was represented by State President John Sweeney who is President of John R. Sweeney Insurance Agency, a 3rd generation family run property casualty agency in

West Springfield, MA. Sweeney again stressed the importance of being involved in the political process, regardless of your interest in politics. The policies that legislators create are driven by the voices of constituents, so it is imperative to make our voices heard. John then introduced Dan Foley, VP of Government Affairs and General Counsel of the MIIA. Mr. Foley described the essential role the insurance industry plays in the economy of Massachusetts. With billions of dollars injected into the economy each year, it is crucial that the insurance industry remain vibrant.

The final speaker was Bill Cass of the Suffolk Group, the lobbying firm for NAIFA MA. Cass has been working with NAIFA-MA since the days of MALU and has seen the ebbs and flows of the organization. He reported the organization is as strong as ever and that its influence on Beacon Hill is evident. Never shy about giving a good-natured jab, Cass kicked off the most anticipated part of the breakfast, the legislator’s remarks, and left few in the room unscathed. Comments from legislators, were reminiscent of a Friars Roast. The breakfast marks the beginning of the legislative session and legislators never miss an opportunity to exchange a few barbs. Although there was an air of comic relief, there was an underlying theme that legislators value input from organizations like NAIFA and the MIIA. It is truly a unique event that brings together members from different communities and political backgrounds to come together for a morning of camaraderie and fun.

Josh O’GaraPresident Elect

50 YEARS Saul F. Feingold, CLU, ChFC

45 YEARS Richard A. Eisenberg, CLU, ChFC, CLTC

40 YEARS Stephen L. Bruneau, CLU, CFPJon R. Freedman, CLUBradford L. Meigs, CLU, ChFC, MSFS

J. Hans Stumm, CLU, ChFC, CFPConnell J. Tarr, CLU, ChFC, LUTCFCharles R. Zarba, CLU, ChFC

35 YEARS Christine R. Burke, CFP, CLU, ChFC, CLTCMartin M. Cohne, CLU, ChFC, CFPEdward J. Curtin, CLU, ChFC, MSFSPeter A. Gaines, CLU, ChFC, CRPC

Mitchell Marcus, CLU, AEPPaul J. Mauro, CLU, ChFCBrian W. McNallyEdward S. Ritchie, CLU, ChFC, MSFS

Kevin S. Schneider, CLUFrancis L. Settanni

30 YEARS John F. BakerJohn M. Carrigg, LUTCF, CLTC, CFSArthur S. Cloutier, LUTCFScott E. Damsky, CLU, ChFCJohn C. Daniel, CLU

Joseph R. DelucaDenise M. DesautelsPhilip A. Drouin, CLU, LUTCFRobert T. Frieling, CLU, ChFCDavid S. McKechnie, CLU

Aviva E. Sapers, CLU, ChFC, CLTC, AEPJeffrey E. Strout, ChFCJohn J. Vigliotti

25 YEARS Christopher W. Battersby, CFP, CLUEdward A. Culver, MPA, CLU, ChFC, CSAGene E. V. Del Rio, CLU, LUTCF

Thomas J. Harmon, CLU, ChFC, LUTCFLisa K. Matthews, CFP, ChFC, CLUKenneth J. McGuire, RFC

20 YEARS Robert T. Assad, Sr., LUTCF, CLTCDouglas J. DiCerbo, CLUDavid A. Kaplan

Brian W. O’Sullivan, CFP, ChFC, CLUMichael S. RossDavid W. Shea

15 YEARS Scott Paul MacDonald, CFP, CLU, ChFCGary J. ThibeaultCharles C. Leonard, Jr., CFP, CLU

10 YEARS Norman A. ChipmanTimothy LeahyJoshua A. Cohen, CLUJerome E. Tallan, FLMIBrian J. CarrollDean S. DiamondJennifer L. Leisman, CLU, CLTCShannon Rae Ouellette, CFP

David F. DoyleSusie Caspar, CLTCJeffrey PichierriJeffrey Reilly, LUTCFJoan C. Boyd, LUTCFSimon G. Bloomfield, LUTCFAnne FletcherJill Goldman

Sean Wilson, LUTCFAaron MillerMark W. GoldsteinJordan L. CohneKyle G. JacquesBlair T. Breton, LUTCF

5 YEARS Matthew R. BrightmanPaul MoriartyPJ ThompsonRobert GladsteinMorel MahotiereDonna LynchMichael G FisherThomas BlodgettSean W. CondonRobert Cugno

Douglas PaddenTimothy J. PowerShawn McKeenFrank RosanoPaul SardellaNeil WagnerDennis A. DickinsonMarc F. BonnerDavid EphraimAndrew J Levenson

Simon J. EllisDavid Yousefzadeh, CLUBrendon ElliotMichael PolitoDavid K. Hui, LUTCFJohn LaCroixMichael O BrienJeffrey BysRichard F. Wallner, LUTCF


2015 NAIFA Massachusetts AnniversariesCongratulations to NAIFA MA Members

The cornerstone of any viable organization is the members. Without NAIFA MA members we have no voice to encourage support or opposition to laws and regulations that directly impact our livelihoods and

the lives of our clients. We tip our hat to those who celebrated an anniversary last year.

THANKS FOR YOUR MEMBERSHIP!

Platinum

Gold

Silver

Bronze

CentralMass

Follow us on


5

SPECIAL THANKS TO OUR EVENT SPONSORS

UPCOMING EVENTS

MARCH 23, 2016Spring Super CE Program. More details on pages 6-7.

MAY 11, 2016NAIFA MA Day on the Hill. Legislator of the Year will be awarded, then training, followed by meetings with legislators in Boston.

JUNE 2016Annual Meeting. More details to come.

Interested in learning more about the Leadership in Life Institute? The LUTCF designation? Email us at [email protected] and tell us how we can help you make the most of your membership!

NAIFA benefit highlight: online CE offered from RegEd. The cost? A paltry $9.95 per course or $29.95 annually for NAIFA members. Educate yourself in all areas including Anti Money Laundering and life and annuity training. Get yours now! Visitwww.naifa.org!

Broker Educational Sales & Training, Inc. is the approved provider for the CE portion of this program. Provider # S12018 Questions pertaining to the CE portion of this program please call 800-345-5669

Join John Hancock for a Continuing Education Workshop

Date: March 23rd, 2016 Time: 10:30 AM – 1:00 PM

Location: Crowne Plaza Hotel 1360 Worcester Street

Natick, MA 01760

Hosted by: Ryan Hines Regional Vice President

Broker Educational Sales & Training, Inc. is a CFP Board-Registered CE Sponsor. Small Business Retirement Plans has been accepted by the CFP Board for 1 credit hour and Retirement Plans for Small Businesses has been accepted by the CFP Board for 5 credit hours

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP®

and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

License Classroom Credit

Self-Study Credit

Massachusetts Presentation 20

New Hampshire 1 20

Rhode Island 1 8

CFP 1 5

To register online, click on the link below https://www.brokered.net/hancock/ma4/

You must register no later than 3:00pm (Eastern Time) on March 16th, 2016

Seating is Limited

Once registration is complete you will be redirected to download and review your study

material.

Small Business Retirement Plans Retirement Plans for Small Businesses (Course # C36493 - General) In order to receive credit you are required to take a monitored exam and receive a passing score of 70% or higher Credit hours are subject to change upon state course renewal

Follow us on


6

Tiffany Markarian delivers over 20 years of field marketing and business development experience having worked directly with thousands of financial advisors and managers to drive productivity, practice equity, and overall growth. Experience: • Director of Marketing at Allmerica Financial • Senior Consultant at MetLife/New England Financial • Director of Marketing at John Hancock Financial Network • Director of Business Development for a Massachusetts wealth management firm until she formed Advantus Marketing, LLC

She has been a past speaker for: • GAMA on “Reaching the Right People in Your Local Marketplace” • Financial Planning Association of Massachusetts on “Succession Planning for Financial Practices”

Her clientele is national in scope and crosses all aspects of the wealth management industry, including: financial advisors, wirehouses, private banks, brokerage general agencies, and independent producer groups.

Deb Nelson brings extensive business development and marketing experience across multiple industries, including financial services, broadcast media, and health care. Experience: • Director of Marketing for Blue Cross/Blue Shield of Rhode Island • Director of Marketing for Signator Investors, Inc., • Consultant to local wealth management firms across the countryDeb and the Advantus Marketing team bring a distinct, personalized process for acquiring and retaining clients in today’s business environment.

Deb helps advisors focus on actionable steps and see through the eyes and ears of the client better. In working with the Advantus Marketing team, Deb helps advisors become more referable without asking and helps them think more like business owners to build a sustainable practice.





Natick, MA 01760






Self-Study Credit


New Hampshire 1 20

Rhode Island 1 8

CFP 1 5



Seating is Limited


material.


Join Advantus Marketing, LLC for a Continuing Education Workshop

Date: March 23rd, 2016

Cost: NAIFA Members - FREE | Non-Members - $25





Natick, MA 01760






Self-Study Credit


New Hampshire 1 20

Rhode Island 1 8

CFP 1 5



Seating is Limited


material.


Follow us on

7


Cost: NAIFA Members - FREE | Non-Members - $25

Follow us on


THANK YOU2015 IFAPAC HONOR ROLL

Philip Brewer, CLU, CLTC, ChFCJohn Carrigg, LUTCF, CLTC, CFSJohn Gorham, CLULewis Jacobs, MBA, CLU, ChFCMichael Kaleel Bradford Meigs, CLU, ChFC, MSFSAlan Temkin Susan Bjork, CFP, RHUKenneth Davis, CLU, ChFC, LUTCFAdam Marino

Mark Zacek David Ferreira, CLU, RHURiver LaBelle Marco Amato, ChFCRichard Denton, CLU, ChFC, AEPBob Furlong Peter Gaines, CLU, ChFC, CRPC Peter Leddy Thomas Mitchell, CLU, ChFC, CFP, CASL

Michael Murray, MBA, CLTCDimitry Neyshtadt, ChFCMichael Raposa Maureen Ryan, CLTCCynthia Stanitis Dade, CLUJill Goldman Jim Bricker Frederick Callahan

INV

ESTO

RCE

NTU

RY

Kimberly McKown, CLU, ChFCDennis Molinari, LUTCFBrian O’Sullivan, CFP, ChFC, CLUJeffrey Reilly, LUTCFJames Spinelli, CLU, ChFCEdward Sunter William Caplin, CLU, ChFC, LUTCFWilliam Altman Thomas Bishop, CLU, AEPJenny Catuono

Elisa Chan James Clouser, CFP, FICMichael Davis Matthew Fine, LUTCFMatthew Goldwasser, LUTCFYan Katz James Kuekan, CLU, ChFC, RHURichard Labine Peter Magni, LUTCFHillary Price, CLU, ChFC

Dana Barrows, CLU, ChFCDouglas DiCerbo, CLUMark Driscoll, RICPDavid Feldman, CLU, ChFCRandy Fine, LUTCFRobert Fine Anne Fletcher Robert Frieling, CLU, ChFCDana Hardy, CLU, LUTCFKathleen Kane, CLU, CLTC

Ross Mayer, CLU, CFP, ChFCRyan McDermott Brian McNally James Morris, CFP, AIFRichard St. Jean, CLFJulianne Dahrooge, LUTCFRoy Emerson, CLU, ChFC, CASL, LUTCFRobert Ostberg, CLU, ChFCBrett Peroni, LUTCF, CLTCConnell Tarr, CLU, ChFC, AEP

David Tinsley, CLU, ChFCMichael Crotty, CFP William Bonk Denise Desautels Sarah Perez Amy Kates, CLU, CFPRichard Belofsky, CLU, ChFC, CFPMatthew Berard Susie Caspar, CLTCThomas Harmon, CLU, ChFC, LUTCF

Peter Raskin, CLU, ChFC, MSFS, CRPCZvi Shtifter Mark Smiley Ronald Watt, CLTCDavid Baime Kim Crossman, CLU, ChFCJohn Daniel, CLUWilliam Spencer, CFPKimberly Harding, LUTCF, CLU

Mark Marroni, JD, LLM, CLU, ChFCClifford Webster, CLU, ChFC, CFPScott Mullen, LUTCF

AM

BASS

AD

OR

David Burg Lee Dean, CFP, MSFSPhilip Drouin, CLU, LUTCFMichael Elcock Donald Gilmore, CLU, ChFC, LUTCFDaniel Girard, LUTCFDaryl Grabowski, LUTCFDaniel Kunhardt, CLU, ChFCJoseph Lawler, CEBSMartin Lowenthal, MSIM, CLTC, MDRTSeth Medalie, CLU, ChFC

Edward Ritchie, CLU, ChFC, MSFSKevin Schneider, CLUAllen Snyder, CLU, ChFC, CLTCMichael Ross Robert Matson, CLU, ChFCGregory Marchand, CLU, ChFC, CFPStephen Bruneau, CLU, CFPBoris Lokshin, ChFCST

ATES

MA

N Jennifer Borislow Catherine Ellison, CLU, ChFCMaureen Gaudreau, CLCSDavid McAvoy, CLUDavid Woods, CLU, ChFC, LUTCFDouglas Hall Mark Markell Joshua O’Gara, CLU, ChFC, CFPJennifer Shepley, CFP, LUTCFBenjamin Harding, CFP, ChFC, CLU

Adam Sachs, CLU, ChFC, CFP, CLTCBradford Kadelski

ENV

OY

Jules Gaudreau, ChFC, CICCAPITOL

8


9

Mission Statement

The mission of the National Association of Insurance and Financial Advisors is to advocate for a positive legislative and regulatory environment,

enhance business and professional skills, and promote the ethical conduct of our members.

Follow us on

massachusetts naifa insider ma... · frank rosano paul sardella neil wagner dennis a. dickinson...

Documents