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Dear NAIFA MA Members,
Happy New year to Everyone. NAIFA MA is off to a great start this year and we wrapped up in December with some training in Washington DC. Our board is in full swing with the Western MA legislative breakfast in January, a CE Event in March, the May National Fly in at the end of May and our annual meeting upcoming in June.
Several of our board members went down to DC for Political involvement and political action training. This is sponsored by NAIFA national to make sure each state is up to sped in both areas. We were represented by Mike Elcock, Brad Kadelski, Matt Berard, Adam Sachs, and Jules Gaudreau. We thank them for their continued effort on our behalf.
In January we co-hosted our annual Western MA Legislative Breakfast in Springfield, MA The meeting was attended by well over 50 people and we had about 9 legislators in attendance. This meeting ends up with the politicians saying a few words and roasting each other but we are also able to connect with them and continue to educate on our association and bills to be aware of. This event is largely put together by Daryl Grabowski and Alan Stearley and we thank them for their efforts.
Elisa Chan and her programs committee will be hosting a CE event on March 9th for all members that will need the ethics component. Take a look at the website and register. It should be a great event.
Lastly, be on the lookout for the NAIFA Congressional Conference that takes place on May 23rd and 24th. You may have heard of this DOL Rule that is happening. What you may not now is that NAIFA national and its members included locals have been meeting with their Senators and Representatives helping shape the outcome of this bill. With Tax reform and other major initiatives on the docket it is important for us to keep the lines of communication open with our legislators. I truly enjoy this meeting every year and it is nice to tell your clients the lobbying you do on their behalf. Come join us!
As it is only February and your year is just kicking off, NAIFA MA year is almost over at the end of June. If you are thinking about giving back or becoming more involved in a committee or just wondering how you can help, feel free to join us at our upcoming board meeting on March 2nd at the Verve Hotel in Natick from 3 to 5pm with a social hour to follow with our existing board members and committee members.
Best of luck in 2017!
Michael CrottyNAIFA MA President
NAIFA MA MARCH 2017
INSIDER2016-2017
Officers
PRESIDENT
Michael R. Crotty, CFP® Girard Financial Group
PRESIDENT ELECT
Bradford KadelskiBrookfield Insurance [email protected]
SECRETARY
Jennifer F. Shepley, CFP®, LUTCFShepley Financial Services
TREASURER
Daniel F. Girard, LUTCFGirard Financial Group, LLC
NATIONAL COMMITTEEPERSON
Adam Sachs, CLU, ChFC, CFP®, CLTCCentinel Financial Group, LLC
EXECUTIVE DIRECTOR
Mark A. Male New England Association Services, LLC
PRESIDENT’S MESSAGE
NAIFA MATelephone: 401.732.2400Facsimile: 401.732.1708
www.naifama.org
Michael R. Crotty, CFP®Girard Financial Group, LLC
NAIFAMASSACHUSETTS
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.
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MARCH 2017 MASSACHUSETTS NEWSLETTER NAIFA MA
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WE WILL MAKE A DIFFERENCEFellow NAIFA Members,
In the past four years, over three thousand NAIFA members from every corner of the country came to Washington, D.C., and visited Capitol Hill to meet with lawmakers and advise them on how their decisions affect agents, brokers, and their clients. One of the best ways to exercise NAIFA’s core benefit, grassroots advocacy, has become easier to access with a payment of your hotel stay by NAIFA MA. This payment is in addition to the reimbursement from National of $300 for the first 500 attendees.
GENERAL GUIDELINES To be eligible for the $300 stipend, you must:
1. Be an active NAIFA member as of May 23rd, 2017; 2. Attend the Congressional Conference; 3. Have paid your $100 registration fee by April 21st, 2017; 4. Stay at the official Conference hotel(s). We encourage you to room with another NAIFA member; however, this is not mandatory. 5. Submit a debriefing form, which summarizes each meeting you attended with a member of Congress.6. Room payment will be made directly to the hotel. Please do not attempt to make payment yourself. 7. If your company is reimbursing the cost of attending, this reimbursement supersedes NAIFA MA hotel payment. 8. Dinner will be available on the night of 23rd for those who would like to attend.
If you don’t act quickly and meet the guidelines for the NAIFA National Stipend, you only will be eligible for the NAIFA MA hotel payment!As Paul R. Dougherty, 2016-2017 NAIFA President stated, the looming threats to our industry are very real. Your professional association – NAIFA – needs you to attend the 2017 Congressional Conference to ensure that laws and regulations enhance, not restrict, the ability of middle market families to have access to the products and services we offer. Please join me in May where together, we will make a difference.
Don’t delay! Register Now! Reimbursement spots will go fast at www.naifa.org! For additional information about the Conference, view the FAQs.
Sincerely,Adam Sachs, CFP
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MEMBER BENEFIT IN FOCUS
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MARCH 2017 MASSACHUSETTS NEWSLETTER NAIFA MA
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MARCH 29, 2017 Day On The Hill
MAY 23-24, 2017 NAIFA Congressional Conference
JUNE 15, 2017 NAIFA MA Annual Meeting
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! Visit www.naifa.org!
OTHER UPCOMING EVENTS
NAIFACONGRESSIONALCONFERENCE
MAY 23 - 24, 2017
WASHINGTON, DC
MARCH 2017 MASSACHUSETTS NEWSLETTER NAIFA MA
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NATIONAL ASSOCIATION OF INSURANCE &FINANCIAL ADVISORS OF MASSACHUSETTS
cordially invites you to a
Freshmen Legislators Breakfast
WEDNESDAY, MARCH 29, 2017
CARRIE NATION 11 BEACON STREET
BOSTON, MASSACHUSETTS
Breakfast Begins at 8:00 AM | RSVP to [email protected]
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MARCH 2017 MASSACHUSETTS NEWSLETTER NAIFA MA
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45 YEARS Willie Goldwasser, CLU, AEP, ChFCGerald Hall, CLU, ChFC, MSFS, AEPMichael Kaleel
Charles Nahatis, CLU, ChFCAllen Snyder, CLU, ChFC, CLTC
40 YEARS Susan Bjork, CFP, RHUJames Javaras, CLU, ChFCBarry Koslow, CLU, JD
Glenn MelloJohn Rosenheim, CLU, ChFCAlan Temkin
35 YEARS Madelyn Anusbigian, CFPFrank Deleo, CLU, ChFCRichard Drislane
G. Papaz, CLU, ChFC, CFPDavid Redonnet, CLUEdward Sunter
30 YEARS William AltmanJames BlueStephen CristoforiGerald Fountain, LUTCF
M. GreenbergKimberly McKown, CLU, ChFCCraig Millett, AEP, CLU, ChFC, CFPRychard Mysliwiec, CLU
Richard Pinkos, CLU, LUTCF, MBAJames Sotiropoulos, CLTC, LUTCThomas Young, CLU, ChFC
25 YEARS Lee Adelson, LUTCF, CLTCKim Crossman, CLU, ChFCSteven CutterDavid Dimenstein, CLU, ChFC, CFPPaul Driscoll, CLU, CLTC
Carol GrayScott HoldenJieling HuangAllan Koswick, CLU, CFPHarvey Lazarus, MBA, RFC
Stephen McShane, CLU, ChFCLawrence Sasso, MSM, CLU, ChFCMark SmileyRichard St. Jean, CLFJack Watkins
20 YEARS Mark Shea, CLU, RPA, AIFThomas LefebvreMichael Barry, CLU, ChFCEric DyerCindy NguyenWilliam Terry, CLU, ChFC, CFP
Paul Wright, JD, CLU, CLTCGlenn Levine, CLU, ChFC, CFPJohn Williams, CLU, ChFCScott Bunker, CLTCMark MarkellBrian Nixon
Amy Jamrog, CLU, ChFC, CASLBrian Donahue, LUTCFCharles LazarakisAlan Silverman, CPA, CLU, ChFC, CFPJennifer Shepley, CFP, LUTCF
15 YEARS Maureen Ryan, CLTCLouis Murray, JD, RPLUJoseph Guyton, AEP, CLU, CLTCDaniel Girard, LUTCFChristopher Watroba, CLU
Matthew BerardDerek Reed, CFP, CLURobert TerryJoseph Harrold, JD, CLU, ChFC, CASLMichael DeVito
Mark Abbot, ARPC, AIFDonald Vendetti, CLTCDonna GentileMatthew Goldwasser, LUTCFLeon Martin, CLU
10 YEARS Leslie DossettPeter DiGangi, LUTCFKenneth ChaseStephen Fischer, JD, LLM
John Howard, CLTCJarad Minsky, CLTCRobert RoyDaniel Manea
Donald GottfriedWilliam Spencer, CFP
5 YEARS Gordon SzerlipSanjay Thakkar, MBAKanan Sachdeva, MBAKeith AntifonarioJohn SimkoRosamaria BombaraPaul Bober
Edward MaddenJohn Williams, JDJames BoltonJeffrey Carey, CFBSMichael MoranAndrew Jensen, LUTCFWilliam O Donnell, CFP
Adam BurkeMichael Bleke, ChFCJoseph LydonDonald Ludwig, LUTCF, MBAWendy PyneDavid Burg
Upcoming 2017 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 will celebrate an anniversary next year.
THANKS FOR YOUR MEMBERSHIP!
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MARCH 2017 MASSACHUSETTS NEWSLETTER NAIFA MA
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CapitolJules O. Gaudreau, Jr., ChFC, CIC
2016 IFAPAC HONOR ROLL
Thanks NAIFA MA Members for your support!
AmbassadorRichard A. Belofsky, CLU, ChFC,CFPAnne FletcherMichael MoranPaul Michael TomassiniClifford S. Webster, CLU,ChFC,CFPSarah PerezMartin F. Lowenthal, MSIM, CLTC, MDRTJulianne Dahrooge, LUTCFRoy A. Emerson, CLU,ChFC,CASL,LUTCFRobert K. Ostberg, CLU, ChFCBrett S. Peroni, LUTCF, CLTCDavid N. Tinsley, CLU, ChFCWilliam H. AltmanDana R. Barrows, CLU, ChFC
David Bonomi, CLU,ChFC, CAPDavid BurgRobert FineRobert T. Frieling, CLU, ChFCMatthew L. Goldwasser, LUTCFDana P. Hardy, Jr., CLU,LUTCFLewis D. Jacobs, MBA,CLU,ChFCKathleen M. Kane, CLU, CLTCJoseph J. Lawler, CEBSRoss Mayer, CLU,CFP,Seth Medalie, , CLU, ChFCGary J. Peters, CLU, ChFCJoseph G. Pulitano, CLTC
StatesmanDouglas J. DiCerbo, CLUBoris Lokshin, ChFCMichael S. RossRobert A. Matson, CLU, ChFCBarry N. Koslow, CLU, JDMatthew P. BerardWilliam F. BonkStephen L. Bruneau, CLU, CFPMichael Crotty, CFPPhilip A. Drouin, CLU, LUTCF
Daniel F. Girard, LUTCFDaryl F. Grabowski, LUTCFJoel N. GreenbergThomas J. Harmon, CLU, ChFC, LUTCFAmy McGuire Kates, CLU,CFPDaniel B. Kunhardt Jr., Jr., CLU, ChFCEdward S. Ritchie, CLU,ChFC,MSFSKevin S. Schneider, CLUAllen L. Snyder, III, CLU,ChFC,CLTC
EnvoyGregory H. Marchand, CLU, ChFC, CFPBradford J. KadelskiJoshua O’Gara, CLU, ChFC, CFPBenjamin A. Harding, CFP, ChFC, CLUAdam Sachs, CLU, ChFC, CFP, CLTCJennifer F. Shepley, CFP,LUTCFDouglas Hall
Mark J. MarkellJennifer A. BorislowMichael L. ElcockCatherine Ellison, CLU, ChFCMaureen Gaudreau, CLCSDavid C. McAvoy, CLU
DiplomatDavid F. Woods, CLU, ChFC, LUTCF
CenturyFrederick CallahanKimberly A. Harding, LUTCF, CLUDavid S. BaimeKim R. Crossman, CLU, ChFCJohn C. Daniel, CLUPeter Robert Magni, LUTCFThomas W. Mitchell, Jr., CLU, ChFC, CFP, CASL
William T. Spencer, III, CFPRonald F. Watt, CLTCElisa ChanM. Paul DeFelice, CLU, ChFC, MSFSJoseph H. Guyton, AEP, CLU, CLTCPeter A. KlayLisa K. Matthews, CFP, ChFC, CLU
Continued on page 7
InvestorsCynthia S. Dade, CLUMichael DavisJill GoldmanAlexander GranoffJoseph L. Harrold, JD, CLU, ChFC, CASLJustin E. HaywardRiver J. LaBelle
Peter C. LeddyAaron P. LevyCraig J. Millett, AEP, CLU, ChFC, CFPMichael Murray, MBA, CLTCZvi ShtifterMargaret E. Simonds
Century (continued)Peter A. Raskin, CLU, ChFC,MSFS, CRPCMark W. SmileyWilliam A. Caplin, CLU, ChFC, LUTCFSusan S. Bjork, CFP, RHUKenneth E. Davis, CLU, ChFC, LUTCFAdam MarinoKimberly J. McKown, CLU, ChFCDennis P. Molinari, LUTCFBrian W. O’Sullivan, CFP,ChFC,CLUJeffrey Reilly, LUTCFJames P. Spinelli, CLU, ChFCEdward Paul Sunter, Jr.Lee J. Adelson, LUTCF, CLTCJames BuckleyPhilip V. S. Brewer, CLU,CLTC, ChFCMichael F. BroderickScott L. Bunker, CLTCJohn M. Carrigg, LUTCF,CLTC,CFSFrank J. Deleo, Jr, CLU, ChFC
David J. Feldman, CLU, ChFCMatthew A. Fine, LUTCFRandy S. Fine, LUTCFGerald Francis Fountain, Jr., LUTCFJohn S. Gorham, CLUDonald GottfriedMark A. GranoffPatrick Haraden, CEBS, CLU, ChFC, RHUMichael HertzGeorge S. Hughes, IIIYan J. KatzGlenn A. Levine, CLU, ChFC, CFPJenny MacKayMitchell Marcus, CLU, AEPBrian McGrathGordon L. SzerlipAlan L. TemkinJeffrey D. Varsa, JDDarren M. Violette, CLU, ChFC, RICP
2016 IFAPAC HONOR ROLL
Thanks NAIFA MA Members for your support!
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Continued from page 6
MARCH 2017 MASSACHUSETTS NEWSLETTER NAIFA MA
NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS • 703-770-8100 • www.NAIFA.org/IFAPAC
3 Easy Ways to Contribute to IFAPAC
Contributions to IFAPAC are voluntary and contributed to candidates for elective office. Your contributions will be divided between your state association IFAPAC and IFAPAC National, if you have directed NAIFA to do so (see reverse side). Club types listed above are merely suggestions. You can contribute more or less than the suggested amount. The amount contributed will not benefit or disadvantage you in any way. You have the right to refuse to contribute without reprisal. Corporate contributions to IFAPAC’s political fund are prohibited. Contributions to IFAPAC are not deductible for federal income tax purposes.
CLUB LEVEL Annual Contribution
Monthly Contribution
Capitol ($5,000) $417
Emissary ($2,500 to $4,999) $210
Diplomat ($1,000 to $2,499) $84
Envoy ($500 to $999) $42
Statesman ($300 to $499) $25
Ambassador ($200 to $299) $17
Century ($100 to $199) $10
Minimum of $210 qualifies for Congressional Council membership
Name ____________________________________________________________
NAIFA Member # __________________________________________________
Company _________________________________________________________
Title ______________________________________________________________
Address __________________________________________________________
City ______________________________________________________________
State__________ Zip _______________________________________________
MONTHLY ANNUALLY
Bank Account Draft Credit Card
Monthly Amount $________________($10.00 minimum)
Monthly Amount $________________($42.00 minimum)
Annual Amount $________________
q CHANGE OF ACCOUNT ONLY
Name of Depositor on Bank Records ___________________________
Account # _________________________________
Routing # __________________________________
Signature __________________________________
Date ______________________________________
Please provide a voided check
q THIS IS A PERSONAL CARD
q Visa q MasterCard q American Express q Discover
Account # _______________________________________________________________________
Exp. Date ___________________________ Security Code _______________________________
Name on Card ___________________________________________________________________
Signature ________________________________________________________________________
IFAPAC MONTHLY GIVING PROGRAM AUTHORIZATION
❏ I agree to enroll in one of IFAPAC’s monthly giving programs and do hereby authorize IFAPAC to withdraw from my account the amount specified every month. Monthly credit card withdrawals will occur on the 20th of each month while bank drafts will occur on or about the 10th of each month. This authorization will remain in effect until revoked by me in writing and, until IFAPAC receives such notice, I agree that IFAPAC shall be fully protected in honoring such withdrawals. If any such check be dishonored, IFAPAC shall be under no liability whatsoever.
Check
Annual Amount $________________
InstructionsReturn form, contributions and/or voided check by:
Fax: 703-770-8151
Email: [email protected]
Mail: IFAPAC P.O. Box 759063 Baltimore, MD 21275-9063
OR
OR
UPGRADE YOUR MONTHLY CONTRIBUTION
❏ I am currently enrolled in one of IFAPAC’s Monthly Giving Programs and would like to change my monthly withdrawal amount from $_____________ to: (circle one)
$417 $210 $120 $85 $45 $25 $20 $17 $15 Other $_______
Contribute to IFAPAC by Bank Account Draft, Credit Card or Check
NAIFA Member Directive Regarding the Use of IFAPAC Contributions
National Association of Insurance and Financial Advisors – Political Action Committee (NAIFAPAC)Return Form to: 2901 Telestar Court • Falls Church, VA 22042-1205 • 703/770-8100 • www.NAIFA.org/IFAPAC
or Fax to: 703/770-8151 01/2016
On March 14, 2011, an SEC “pay to play” rule designed to limit the influence of political contributions by investment advisers and certain associated persons in the awarding of advisory contracts by state and local governments went into effect. Among other things, the rule prohibits investment advisers from receiving compensation for services provided to a state or local government for two years following political contributions to certain state or local officials.
In response to the rule, a number of companies have adopted compliance requirements that limit contributions by investment adviser representatives to political action committees (PACs) and state or local officials. You must check with your company’s compliance department regarding any limitations on your ability to make political contributions under the pay-to-play rule. (If you are covered by the rule, your compliance department may limit your contribution to only NAIFA’s federal PAC. If you are not covered, your compliance department should permit your contribution to be shared between NAIFA’s federal PAC and your state association PAC.)
After you have consulted your compliance department, please check the applicable boxes below to instruct IFAPAC regarding the appropriate distribution of your IFAPAC contribution.
❏❏ I have read and understand this directive. (required)
CHECK ONE BOX:Note: If you do not check a box below, your entire contribution will be directed to NAIFA’s federal PAC.
❏❏ Please share my IFAPAC contribution between NAIFA’s federal PAC and my NAIFA state association PAC. I agree to reconfirm my compliance status and change this directive, if necessary, should I change or add companies.
OR
❏❏ Please direct my entire contribution to NAIFA’s federal PAC, to be used only for contributions to national party committees and the campaigns of candidates (except state and local officials) for the U.S. Congress.
Contributions to IFAPAC must be personal, not corporate. Contributions made on corporate or LLC accounts will be directed in their entirety to NAIFA’s federal administrative fund to help defray the costs of administering NAIFA’s federal PAC. NAIFA disclaims responsibility for any damage or liability that may arise from contributions to IFAPAC based on the SEC “Pay to Play” Rule or from any company compliance requirements related to that Rule.
NAIFA Member Signature ______________________________________________________ Date ________________________________
NAIFA Member Name (please print) _____________________________________________ NAIFA Member ID # __________________
NAIFA Member Local Association Name __________________________________________________________________________________
MARCH 2017 MASSACHUSETTS NEWSLETTER NAIFA MA
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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.
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