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The NavigatorVolume 1, Issue 2

Agency Newsletter forNavigon Financial Group, Inc.

2nd Quarter 2010

R. Graham Self, CLF, LUTCFPresident

Planning your tomorrows… today

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Contents

Message from the President

I want to congratulate the entire Navigon family on a great first six months of 2010! As an agency, we finished mid-year at 104% of our objective. That objective was an increase of $500,000 over prior year by Penn Mutual, so all of you are to be congratulated on a great team effort!

From an individual standpoint, many of you are ahead of prior year and ahead of your own personal goals; I want to congratulate each one of you in regard to your performance year-to-date!!

For others of you, it's time to sit back and assess how to approach the final six months of the year to get back on time.

In golf the third round is considered "moving day". It's when players make their move to get into contention to win the tournament. In our business the third quarter is really the "moving quarter". It's the time that you can make your move to position yourself to reach and obtain your own personal goals and objectives.

As we enter the third quarter, good luck to each of you on making that move to reach and obtain your personal goals and objectives and continuing to provide the services and products for your clients that they need.

Again congratulations to everyone on a job well done through the end of June.

Sincerely,

Graham “It's the time that you can make your move to position yourself to reach and obtain your own personal goals and objectives.”

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LOGO Welcome New Associates

Raleigh OfficeHeather Reeves

Heather Reaves joined Navigon in the spring of 2010 after working as Director of Client Relations for Pinehurst Capital, in Pinehurst, NC. She is pleased to work with Navigon because of the knowledgeable and diverse background of advisors at Navigon and the environment to make a positive difference for clients. She is excited to help clients create plans, protect themselves and loved ones and pursue their financial dreams. Heather is a 2007 graduate of Appalachian State University with a Bachelors Degree in Recreation Management. After graduation, she followed her entrepreneurial dream of opening an art studio in Boone, NC. This experience taught Heather the importance of financial stability and growth, and applies this knowledge when working with clients. She is an advocate for educating families and women about their finances, how it affects their everyday life, and their future. She pulls from the wide background of other advisors at Navigon to create the best situation possible for each client. Heather splits her time between her home town, Seven Lakes, NC and Cary, NC. She enjoys sailing, running, and reading in the sun.

John HoldingJohn N. Holding III was born and raised in Raleigh, NC where he graduated from N.C. State University with a Bachelor of Science in Business Finance. He currently resides in Raleigh with his wife, Jennifer. John began his financial career in 2007 as a Financial Services Representative at SunTrust Bank. His banking experience taught him the importance of providing quality service and building trust with his clients. John currently works with his grandfather, W. Casper Holroyd, Jr. as part of his life insurance team that was started in 1971 in Raleigh. He is excited to be working with Navigon as he continues his development in the financial industry.John is an avid golfer and has a great passion for all sports. He regularly attends N.C. State basketball and football games and has been an Atlanta Braves fan since childhood. He enjoys traveling, his volunteer work with the youth at Hayes Barton United Methodist Church, and the time he spends with family and friends as well as his two dogs. John is Life and Accident & Health licensed in the state of North Carolina.(Currently working to get Series 6 and 63)

Richmond OfficeGary Cason

Gary Cason joined Navigon in 2010. Throughout his 20 years in the financial services industry, Gary has focused on insurance and investment planning for small business owners as well as individual investors. Gary’s industry experience gained through positions held at Allstate Financial Services as well as his own firm has made him able to identify the financial and emotional objectives of his clients.Gary graduated from Old Dominion University with degrees in Political Science and Public Administration as well as Law Enforcement and Criminal Justice.Gary is a dedicated family man and active in his community. He and Lois, his wife of 42 years, have four children and eight grandchildren. Gary is a member of the National Association of Insurance and Financial Advisors. He is also affiliated with several organizations in his community including the Franklin/South Hampton Chamber of Commerce, the Chesterfield Chamber of Commerce, the Alzheimer’s Association – Advisory Board, and is a current board member of Norfolk Christian Schools. Gary is retired from the U.S. Army Reserves, where he earned the rank of Major. In his spare time, Gary enjoys racquetball, golf and spending time with his family.

Roanoke OfficeMark Hale

Mark Hale joined Navigon in 2010. Mark has been in the financial services industry for 17 years, specializing in assisting individuals and business owners meet their financial objectives. Mark’s industry experience gained through sales and management positions at Farm Bureau Insurance Company, Prudential and Allstate has given him the skills to develop strategic financial plans, allowing him to meet his clients’ life insurance, retirement, savings and investment objectives.Mark graduated from Randolph Macon College, in Ashland, VA with a degree in Business and Economics in 1992, and he has also earned his LUTCF (Life Underwriter Training Council Fellow) designation.Mark is very active in his community and participates in various organizations throughout the Roanoke Valley. He is a member in good standing of both NAIFA (National Association of Insurance and Financial Advisors) and C12, a Christian CEO and Business Owners ministry group. Mark is a member of Thrasher Memorial United Methodist Church and performs outreach work through KAIROS Prison Ministry. He has been a qualifying member of the Million Dollar Round Table for the past five years, was a four year member of the Allstate Financial National Advisory Board, and a committee member of the Allstate Foundation for Domestic Violence Project for the development of Economic Empowerment. In his spare time, Mark enjoys spending time with his wife, Terena and their three children, and coaching Little League football, baseball and basketball for the Vinton Youth Sports Booster Club.

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WORTH

The Ugly Truth•8 out of 10 women will one day be solely responsible for their finances (due to divorce, death of their spouse, etc)

•9 out of 10 women feel financially insecure

•3 out of 10 women don’t know where to begin but are eager to learn

•7 out of 10 women fire their financial professional/advisor within a year of being widowed

•2 out of 10 women teach their children about finances

Source: Allianz Life Study; “Do you ‘get’ female investors” article by Tracy Flaherty for Investment News

“Oh, if I could but live another century and see the fruition of all the work for women! There is so much yet to be done.” Susan B. Anthony

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All of you know someone, maybe someone in your family, or a friend or business acquaintance, that currently has a need for a significant amount of care as a result of an illness or accident.

The care may eventually be at a nursing home, but all to often must first occur at home. Most families think they can help their loved one get dressed everyday, or assist with feeding them a meal, help them get in and out of bed and do all of the other things they can no longer do themselves. But, they realize at some point that the required amount of care doesn’t end and the family wears down physically, emotionally and financially.

It is an unfortunate, yet a very real life situation that requires a great deal of strength, commitment and financial resource. Not everyone has this kind of strength and its nothing to be apologetic about. Fewer have the necessary resources and run through what they have too quickly, even with good medical coverage.

About 5 years ago, an auto accident caused someone in my family to need this kind of care and there was no long-term care coverage and no permanent life insurance to the family to fall back on.

Medical insurance didn’t cover all the things that needed to be done. For example, there was the cost of building a 1st floor bedroom and bathroom to make the living quarters wheelchair assessable. The auto insurance reimbursement for the damaged car didn’t approach what it cost to buy a handicapped van. Then there were the emotional costs of having to care for someone who was strong as a bull just a short time ago. Now, someone needs to be there much of the time during working hours. Early retirement for the spouse is just out of the question, since continued health insurance is critical. A safety net, some additional source of money would have been comforting.

Later this year, Penn Mutual will be introducing a Chronic Illness/Cognitive Impairment Rider that will provide a safety net and piece of mind for those who purchase permanent life insurance coverage of the following policies:

•Flexible Choice Whole Life •Accumulation Builder II IUL•Diversified Growth Variable Universal Life •Guaranteed Protection Universal Life•Survivorship Plus Universal Life

(Rider can be exercised after the death of the first insured)

There is no cost for this Living Benefit, unless and until an acceleration of the death benefit is paid. It is not long-term care and should not be considered a substitute for a quality long-term care policy. But, if the insured’s condition qualifies and the policy sold is eligible, an amount of money can be there in the future, for whatever the need may be, including the addition to a home if that’s what is needed. The rider is another of the living benefits of a permanent life insurance policy, just as a partial withdrawal and/or a no questions asked loan can provide emergency cash or supplemental income. Withdrawals and loans will have less impact on policy values than exercising the chronic illness rider, but this new rider can be a critical source of funds, after careful consideration of its impact, when a loan or withdrawal just can’t meet the need.

And, if in-force customers of the policies shown above, request the rider, depending on state approvals and policy eligibility, they can add it too.

More details will be available later, but this rider is already approved by North Carolina and is another excellent reason to buy permanent coverage now from a financially strong mutual company like Penn Mutual.

A New Permanent Life Insurance Living Benefit

By Fred Karp

© 2010 The Penn Mutual Life Insurance Company and The Penn Mutual Insurance & Annuity Company, Philadelphia PA 19172, www.pennmutual.com.

A0JC-0628-01For Producer Use Only. Not for use in sales situations.

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LOGO Experience Terranea!2010 Penn Mutual Leader’s Conference

Compensation

Support

May 31st

May 31

John Watson, III, Lisa Hardy & Graham Self

Graham & LuAnn Self

Martin Hardy & Frank Oley

Frank Oley & Susan Wolf

Graham Self, John Watson III, Ron Adams

LuAnn Self, Lisa Hardy, Martin Hardy, Laurie Watson, Kristin Adams

Thanks to Graham Self & Frank Oley for their photo contributions!

“The Leader’s Conference was a wonderful mix of business and pleasure. The conference was a superb way to

recharge yourself both personally and professionally. Along with information sessions and networking with

colleagues, there was plenty of time for fun and relaxation. All of the details of the conference were organized so you

could enjoy every aspect worry free. If you haven’t had the opportunity to experience a Leader’s Conference, I

encourage you to work toward the goal of attending. Work hard so you can see Mickey next year.”

Frank Oley

Just a few thoughts to reiterate the importance of making club. Beside the obvious – if you’ve qualified for club you’ve made some good money - there are so many other attributes to mention. The first of which is camaraderie with other agents. Some of my closest contacts in the business are other agents whom I have seen year after year at club, for the last 25 years. You get to know them and their families and share time and commonalities. You realize that your struggles and successes are theirs as well. Secondly is education. The breakout sessions daily are filled with useful ideas and information that you can actually apply to your business when you return home. These sessions are hosted by the “best” in our company and the industry. Another great thing about PMLA is the trip itself. The locations and the hospitality are unbelievable. The dinners and parties are top notch, and the staff does a great job with organizing the events. If you love golf – let’s see…last year, Trump National. A couple of years ago, Kauai Lagoons! Need I say more? Lastly and most importantly, you get the opportunity to meet and really get to know the top management of Penn Mutual and HTK. You quickly realize the quality of people they are, from Bob Chappell and Michelle Barry on down. They do truly care about you and your success, and are committed to you as an agent and as a person. Attending these conferences and meetings, you do feel that you are part of a special company that is unique in our industry.So, I urge you to work hard and qualify for PMLA this year. Once you do, I doubt you will miss another one in the future!Happy Selling! Martin Hardy

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LOGO Event Calendars for July, August & September

*Anniversaries-Blue *Birthdays-Red *Company Holidays-Green

Sunday Monday Tuesday Wednesday Thursday Friday Saturday1 2 3 Bruce Lunsford

4 5 Independence Day (Observed)

6 7 8 9 10

11 12 Denise LeeJan Lawson

13 Timothy Schade 14 15 16 17

18 19 John & Tracy Watson, IV

20 Tim & Faye Congleton

21 22 23 24 Buddy Sanderson

25 26 John BarnesFaye Congleton Bryan Earwood

27 28 Barbara Perkins 29 30 31

Sunday Monday Tuesday Wednesday Thursday Friday Saturday1 2 3 Sarah Benson 4 5 6 Greg & Cindy

EarwoodGraham & LuAnn Self

7

8 9 Haileigh Hines 10 11 12 13MelindaSanderson

14

15 16 17 BenjaminSchadeMunsey Slack

18 19 20 Gerri Williams 21

22 23 24 25 26 Julian Sanderson

27 28

29 Carlos &Angelite MimsFelicia SandersonLily Self

30 Doug Scoggins Jill Schade

31

Sunday Monday Tuesday Wednesday Thursday Friday Saturday1 2 3 Coit Slack

JaQuan Chisolm4

5 6 Labor DayNicole & Scott AveryMichael Oley

7 Christian Howes 8 9 10 David Hoyle 11

12 13 14 John & Laurie Watson, IIIKeith Propes

15 16 17 18 Carlos Mims

19 20 21 22 23 Josh Self Jennifer Gibson

24 25

26 Munsey & Teresa Slack

27 Matt Schade 28 Ron Adams 29 30

July 2010

August 2010

September 2010

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We’re on the Web!Visit us at:

www.navfin.com

First we will be the best; then we will be First!

Navigon Financial Group, Inc.Raleigh Agency

1009 Slater Road, Suite 210-ADurham, NC 27703 Phone: 1-866-628-4466

Fax: 919-941-6263Richmond Agency

4701 Cox Road, Suite 330 Glen Allen, VA 23060 Phone: 804-

290-7979 Fax: 804-290-8093

Greensboro Agency 3816 North Elm Street, Suite A Greensboro, NC 27455

Phone: 800-822-1086

Fax: 336-379-8349

Charlotte Agency 4600 Park Road Suite 300, Office 310 Charlotte, NC 28209 Phone: 919-815-0725

Fax: 704-527-0870

Poquoson Agency 360-C Wythe

Creek Road Poquoson, VA 23662 Phone: 757-868-7130

Fax: 757-868-7132

Roanoke Agency24 Church Avenue SE

Suite 203Roanoke, VA 24011

Phone: 540-266-7545Fax: 540-400-6828

Please remember to check the Producer’s Place calendar for upcoming events & conference calls!