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NAIFA ROCHESTER, NY SEPT 2007 Advisor The Directory Edition RAIFA UPCOMMING EVENTS Rochester Association of Insurance & Financial Advisors September 24th 4th Annual Golf Tournament September 24, 2007 RAIFA Golf Tournament Midvale Country Club 12:00 pm MIDVALE Country Club November 15th General Meeting Brian Burlacoff & Mark Coutts “Purpose, Passion, and Pride” Mario’s 12:00 pm 2387 Baird Road ~ Penfield, NY 14526 WHEN: Monday, September 24, 2007 WHERE: Midvale Country Club Penfield, NY ENTRY FEE: $125.00 per person INCLUDES: Followed by a CE Class from Bryant and Stratton (1 credit) See page 5 for details! Golf, cart, refreshments on the course, dinner, door prizes and pro shop certificates paid to the top teams! FORMAT: Thank you to our Supporting Partners Four person, Scramble Shotgun Start 1st, 2nd, 3rd Place PRIZES: Team & Individual Prizes MassMutual 3 Kafl 4 Remarkable Resource, Ltd 6 Guardian DI 7 CONTACT YOUR 2007 GOLF COMMITTEE: Upstate Special Risk 9 Colonial Paul Revere 11 Bryant & Stratton CFP 13 Fred Squicciarini (585) 2148651 Cathy Benjamin (585) 2716400 Mike Teddy (585) 2486181 Lisa Denning Mulvaney (585) 4278820 Gary Kaminska (585) 2231010 LifeMark Securities Corp. 20 Life Asset Advisors 22 CONTACT: RAIFA Office (585) 3888182 40 Brougham Drive~ Penfield, NY 14526 raifa@rochester.rr.com www.rochesteradvisors.org *ADDITIONAL SPONSORSHIPS AVAILABLE* Bond Financial Network Back Cover Come and play the first course designed and built by the famous golf archi tect, Robert Trent Jones! A Portion of the Proceeds to Benefit: United Way of Greater Rochester Hurray! Registration is Limited and Ends September 17th! Complete the Registration Form Inside Today Call 3888182 To Ask About The Sponsorships Available EXECUTIVE COMMITTEE & OFFICERS Message from Our President …Kerry J. French, LUTCF, CLTC Wow, I can’t believe that this sum mer is coming to an end. Once again, we will kickoff the program’s season with our Annual Golf Tourna ment September 24 th at Midvale Country Club. I feel we have put to gether another great year of events to help you in your business. Hopefully, all of you see this as apart of the value that your local association gives back to you each year! Regional Vice President: Lisa Mulvaney 5854278820 lmulvaney@lifemark.com ImmediatePast President: Mike Teddy 5852486181 mike@mjteddy.com President: Kerry French 5853942570 PresidentElect: Mark Priest 5854245672 x 85 mpriest@lifemark.com Vice President: Lori Strimple 5852641111 lori_strimple@glic.com Secretary: Gary Kaminska 5852231010 garykaminska@fscadvisor.com Treasurer: Jim Prisco 5854245672 x 385 kerry@canfg.com jprisco@lifemark.com National Committeeperson: Vitamarie Trincali 5852148696 vtrincali@metlife.com Executive Director: Jennifer Sauter In November we will welcome MDRT platform speakers, Brian Burlocoff, M.Acc, MBA CLU RHU CFP and Mark Coutts, MBA RHU CFP, with the presentation of “Purpose, Passion and Pride”. Not many of the local associations can claim to have this caliber of speakers attend their events. If that weren’t enough, we are very lucky to have another top speaker for this year’s Success Forum, Pro fessor John Haggard, JD., CFP. He is the leading advocate in variable annuities and authored the book Investing with Variable Annuities. If you sell variable annuities you need to be at this event! 5853888182 raifa@rochester.rr.com DIRECTORS Director: Cathy Benjamin 5852716400 cathy@kafl.com Director: Dwight Case 5853998345 dacase@finsvcs.com Director: Liz Casper 5852738530 lcasper@eupstate.net Director: Orian Wilber 5857039901 orian@fortressfinancialservices.com Director: John Spacher 5852486700 jspacher@ft.newyorklife.com Director: Fred Squicciarini 585 2148651 fsquicciarin@metlife.com FINGER LAKES It all sounds great but what is the catch? The catch is that membership dues only go so far in paying for lunch, awards, etc. We need and value your support and participation at events like our Golf Tournament and the Success Forum to con tinue a strong local program. Membership is very important to our associations future and so is maintaining and continuing our local educational sessions that help promote our profession. President—Finger Lakes AIFA: Bruce Bowman 3153312626 bbowman2@rochester.rr.com Legislative Liaison: Dale White 3157812765 dwhite@drwmilliman.com RAIFA CONTACT INFORMATION: RAIFA Office 40 Brougham Drive Penfield, NY 14526 Phone: 585.388.8182 Fax: 585.388.9717 EMail: raifa@rochester.rr.com Web: www.rochesteradvisors.org To help further promote our profession please reach out to associate professionals such estate attorneys, trust officers, accountants etc. and let them know we have associate membership avail able. After much local and national feedback, many see the importance to include these fellow professionals in our future. Ad Member Size 1x Ad Hope to see all of you soon at Midvale on the 24 th ! Full Pg. $210 $995 Half Pg. $125 $595 Quarter Pg. $90 $395 Classified $50 $225 $249 $1,095 Insert 2 FULL YEAR ‘06’07 Rest of Year Contract* CALL RAIFA FOR DETAILS 388.8182 3 Leverage LIFE During September’s Life Insurance Awareness Month Chris Hill, Industry Relations Coordinator, LIFE For the fourth year, the nonprofit Life and Health Insurance Foundation for Education (LIFE) is coordinating September’s Life Insurance Awareness Month (LIAM). LIFE is joined in this edu cational initiative by more than 100 of the nation’s leading insurance companies and other in dustry groups. LIFE has many resources to help you take advantage of the marketing opportunity provided by the monthlong awareness campaign. And they are available to you at an exclusive dis count through your NAIFA membership. LIFE has many educational and marketing materials to educate clients and prospective clients, and help them buy the right products—including customizable electronic postcards, article reprints, realLIFEstories fliers and DVD, and bro chures such as the bestselling “What You Need to Know About Life Insurance.” Go to www.lifehappens.org/catalog to browse and order LIFE’s materials online. For tips on how to best utilize its materials, LIFE added a new agent section to its popular Idea Exchange website at www.lifeexchange.org. It includes agent testimonials describing the products they use and the ways they use them to increase their sales production. The sales ideas are organized by product, market, sales situation and PR resources. Agents can review the section and easily order any of the LIFE products displayed online. The Agent Idea Exchange also has an interactive feature that allows visitors to post comments and view comments by others about any of the sales ideas. To view the sales ideas, us ers must create a personalized user ac count. You are what matters… If NAIFA members have questions about the Idea Exchange or want to share their own LIAM sales ideas, contact Chris Hill at LIFE at chill@lifehappens.org. Experience for yourself why KAFL has become the choice for many respected producers and how we have helped them achieve their professional and personal visions See You at the Golf Outing September 24th! Life * Long Term Care * Annuities * Disability * Group Health 85 Allen St., Suite 300 Rochester, NY 146081844 5852716400 * 8002726488 Fax: 5852715050 * Email: kafl@kafl.com www.kafl.com Securities offered through Wall Street Financial Group Inc. Member NASD, SIPC 4 RAIFA’s General Session Meeting November 15th! Mark Your Calendar For This GREAT Event! “Purpose, Passion and Pride” Presented by: Brian Burlacoff, M.Acc., MBA, CLU, RHU, CFP and Mark Coutts, MBA ,RHU, CFP Brian Burlacoff and Mark Coutts have helped thousands of financial advisors increase their sales using conceptual selling. They consistently receive top marks from audiences for their dynamic presentation and powerful ideas. They are coauthors of the book “Catching Fire with Conceptual Selling”. They are also active financial ad visors themselves, with more than 30 years’ combined industry experience and a thriving practice based in Toronto. Mark and Brian have spoken across Canada, the US, the Caribbean and in Europe. In 2006, they became the first advisors in the history of Sun Life Financial to speak on the Main Platform of the Million Dollar Round Table at its Annual Meeting in San Diego. Mark is an MDRT Court of the Table qualifier as well as a former awardwinning broadcaster. His great grandfather was an insurance advisor more than a century ago for the same company Mark works with to day. Register Today! Brian Burlacoff M.Acc. MBA CLU RHU CFP November 15th, 2007, 12:00 pm Mario’s Italian Steakhouse 2740 Monroe Ave, Rochester, NY Call the RAIFA OFFICE at 585.388.8182 or email raifa@rochester.rr.com Mark Coutts MBA RHU CFP SPONSORSHIP OPPORTUNITIES ARE AVAILABLE FOR ALL EVENTS! TO LEARN MORE CALL 5853888182 OR VISIT OUR WEBSITE AT WWW.ROCHESTERADVISORS.ORG TODAY! 5 REMARKABLE RESOURCE 20072008 Processes “To be all you can be, you must 1 st dream of being more.” Essential Passionate Leadership - Why untap your potential, break through conditioning, discover your real motivations, & turn your passions into profit? Call to really understand! Life Options for 3rd Age Entrepreneurs Gary R. Jay - Why plan for the best part of your life & the lives of MCC, CPCC, CRC, CTM - your clients? Call to really understand! Coach & Coordinator Why develop a unique service proposition to offer high Remarkable Resource, Ltd. net worth clients? Call to really understand! Office & Fax: 585.288.3747 Cell: 585.259.4588 Voice Mail Only: 585.251.8766 Email: GaryRJay@aol.com Ask how coactive coaching focusing on these processes can create the slight edge in your business & personal life to make a big difference in your bottom line! healy named naıfa's new ceo NAIFA is pleased to announce that John J. Healy, CAE is the new chief executive officer. Healy brings 25 plus years of association management experience and a track record of innovation, leading organizational change, increasing membership, enhancing government relations programs and creating greater customer and member value. Healy comes to NAIFA from the Washington, D.C., areabased American Machine Tool Distributors Association (AMTDA), where he served as its president and CEO. "We're very pleased to welcome John as NAIFA's CEO," said Jeffrey J. Taggart, CLU, ChFC, LUTCF, NAIFA's presi dentelect. "We considered nearly 200 candidates with impressive credentials, and John was the perfect fit to partner with us as NAIFA enters this new era. He is a consummate association professional who has the energy, passion, track record and skills to implement NAIFA's 2007 strategic plan. He has faced major challenges at other organizations, and they have emerged more successful as a result. We look forward to his leadership and working with John to take NAIFA to the next level of influence, engagement and service to our members and the industry." Robert A. Kerzner, CLU, ChFC, president and CEO, LIMRA International, who was part of the NAIFA CEO Search Committee, commented: "John brings a 'can do' disciplined approach as to how to grow organizations and add value for mem bers." NAIFA's Search Committee was chaired by Robert J. Wernecke, CLU, NAIFA past president, and also included Robert Eddy, Jr., CLU, ChFC, REBC, former NAIFA board trustee; Michael E. Gerber, NAIFA general counsel; Christina Greathouse, executive search consultant; Larry M. Lambert CLU, CFP, RFC, NAIFA past president; Susan K. Linck, CAE, executive vice president, NAIFAWisconsin; Steve Siesser, NAIFA CFO; and Jeff Taggart. "I am pleased to join NAIFA at this important time in its rich history. NAIFA is ideally positioned to capitalize on an ex traordinary opportunity to further improve the value of membership and help our members provide solutions for the greater financial independence of their customers," Healy commented. "I look forward to meeting NAIFA's members, listening to their ideas about the opportunities that lie ahead for both NAIFA and the industry, hearing their input and working with them to cre ate a better future through the new direction outlined in NAIFA's strategic plan." Healy succeeds David F. Woods, CLU, ChFC, LUTCF, who stepped down as NAIFA's CEO on August 31 but remains as president of the Life and Health Insurance Foundation for Education. "David is an icon in this industry," said John A. David son, FSS, LUTCF. "He served as this association's president 20 years ago, and came back five years ago as CEO to lead NAIFA through serious challenges. Today, NAIFA is on strong financial terms and is positioned to meet the needs of its mem bers. And Dave Woods played a key role in making it happen." 6 7 400 West Metro Financial Center Rochester, NY 14623 8008284415 or 5852738530 Fax: 5852738540 UPSTATE Special Risk Services, Inc. A Lifemark Partner Agency LTC IN ILITS AND ACCELERATED DEATH BENEFIT RIDERS By Andy Kalinowski RHU, CLU, CFP With all the changes in the market place that impact inforce life insurance, now is a good time to review insurance con tracts, to be certain that they will continue to meet client’s expectations. This is especially important for TOLI contracts because of the prudent man rule and trustees’ fiduciary responsibilities. When replacing or purchasing new life insurance in an ILIT; can that life insurance policy also provide protection from potentially devastating longterm care costs? The idea of combining LTC protection with the benefits of life insurance in an ILIT using accelerated death benefit riders is an interesting concept. The question is what, if any are the pitfalls and can it be done without destroying the integrity of the trust? Can either fixed UL or VUL products be used? The second question is easy in theory, so I’ll answer that one first. As we know, an ILIT can own any type of life insur ance contract, regardless of its features and benefits. We are now beginning to see multiple carriers designing life insurance contracts with Accelerated Death Benefit Riders. Using a policy with this type of rider can be a great idea, but you need to be careful that the contract you select does not have a rider that destroys the integrity of the trust. This is exactly what an LTC reimbursement type rider will do. Should your client elect this type of rider, a chain of events is created that provides direct monetary benefit from the trust to the insured, which can destroy the integrity of the trust. With these plans, the trust (that owns the policy) submits bills for LTC expenses. The insurance company then pays the nursing home or care provider on behalf of the insured. This meth odology creates the chain that causes the problem and precludes the use of reimbursement type accelerated death benefit riders in ILITs. On the other hand, an accelerated death benefit rider that uses an indemnity approach can work inside the trust. In this sce nario, the trust arranges to verify that the insured qualifies for LTC benefits. The LTC benefit is paid to the trust as the owner of the policy. The LTC benefit is actually adding additional funds to the trust. The trust then writes a check to the beneficiary of the trust (assuming a properly crafted trust). The beneficiary then writes a check to the LTC provider. This avoids a taxable gift and will not create a taxable event. The insured must never have had the money in hand, or a claim against the trust for such monies. Using this structure, the chain of events is so indirect it cannot be linked back to the trust. In addition, there is nothing to actually force the trust beneficiary to pay the nursing home bills. This is a great idea to call to the attention of your ILIT clients. Call Upstate if you require additional information, design assistance, or would like to utilize our “Assure Review Program”. Call Liz Cas per at ext. 3003 for a demo. As always, Upstate does not provide either tax or legal advice and your clients should contact qualified tax and legal pro fessionals for assistance in crafting such a plan. Best Regards, Andy 8 9 CONGRATULATIONS! RAIFA HAS ADOPTED A SOLDIER With everyone’s busy schedules it is difficult to plan community service events at a time when a majority of you would be able to participate. We received very positive feed back about the concert we organized at the Canandaigua Vet eran’s Hospital this past Memorial Day. We have tried to think of something that RAIFA could do while staying supportive of the folks that truly support us. With that said, we have gone through all the required channels (homeland security is very interest ing to work with!) and adopted a soldier. At this time we don’t know the soldiers name or gender. We have started the process and are currently going through some red tape and could hear some thing from our soldier within the next couple of weeks. So what does RAIFA do for the soldier? I am hoping that RAIFA members will make donations throughout the next year. That will allow us to send care packages to our soldier and maybe with others in his/her unit that have not been adopted by a family or organization. If you have any questions about this ongoing service, please contact Cathy at 2716400 ext. 106 or cathy@kafl.com . She will be accepting any donations beginning immediately, cash or checks made out to RAIFA. You are what matters… Experience for yourself why KAFL has become the choice for many respected producers and how we have helped them achieve their professional and personal visions Life * Long Term Care * Annuities * Disability * Group Health 85 Allen St., Suite 300 Rochester, NY 146081844 5852716400 * 8002726488 Fax: 5852715050 * Email: kafl@kafl.com www.kafl.com RAIFA wishes to extend thanks to the advertisers who make this newsletter possible and encourage all members to support them. Securities offered through Wall Street Financial Group Inc. Member NASD, SIPC RAIFA OFFICE ~ 40 Brougham Drive ~Penfield, NY 14526 ~ 5853888182 (Phone) ~ 5853889717 (Fax) ~ raifa@rochester.rr.com 10 11 LIFE OPTIONS FOR 3RD AGE ENTREPRENEURS by Gary R. Jay A 3 rd Age Entrepreneur, regardless of age, has acquired the time, knowl edge, knowhow, and financial freedom to choose a myriad of life options. What entrepreneurs do you know who could benefit from exploring life op tions in their career, their personal health and wellness, their family relation ships, their leisure and social activities, and their personal development? Have you thought about your own life options in these life arenas? Gary R. Jay It is abundantly clear that the 11,000 people daily, including entrepre rd neurs, who are reaching the 3 age of their lives have a real need and MCC, CPCC, CRC desire to discover new perspectives of work reorganization and the re Coach & Coordinator placement of work functions. Related topics are attitudes toward retire Remarkable Resource, Ltd. Office & Fax: 585.288.3747 ment, health perception, current life satisfaction, projected life satisfac Cell: 585.259.4588 Voice Mail Only: 585.251.8766 tion, and life meaning. Factors that make options more complex in Email: GaryRJay@aol.com clude financial security, leisure interests, dependents and family, and relationship issues. Other psychological factors include perception of age, adaptability, directedness (internal or external guidance in decisions), and life stage satisfac tion. These perspectives also need to be devel oped into a Personal Retirement Mission Statement and Retirement Options Plan. Why not plan for the best part of your life? Therefore, Life Options for 3 rd Age Entre preneurs is a process ideal for people who want to explore as many possibilities as possible and want to maximize the best age of all, the 3 rd age, the age where ex perience and asset accumulation converge to offer the best of what life has to offer! This Life Options process can be available to financial professionals as part of a coac tive program to include entrepreneurs who are clients or prospective clients. Three tools are essential to this process and will be demonstrated throughout. 12 Tool #1: The Secret What time tested principal has the biggest impact on our life options? It’s the Law of Attraction and how it shapes our destinies… whether we believe it or not. It affects us now and every day we are on this earth. Tool #2: Life Balance Perspectives How can we really have it all and do we really want it all? We all have desires in many life arenas…career, family, finance, physical, mental, so cial, and spiritual. Deciding what really matters most has a big impact on our lives and reduces stress. Bryant & Stratton College Announces the CFP ® Certification Program Starting on September 14, 2007! Classes will meet Fridays 8:00 am – 12:00 pm. The modules include: · Fundamentals of Financial Planning and Insurance Planning · Investment Planning · Tax Planning · Retirement Planning & Employee Benefits · Estate Planning · Financial Planning Capstone: Cases and Applications. Be prepared for the exam in approximately one year! Please call Alec Drummond or Kate Pizzo for details at 5852727200. Bryant & Stratton College does not certify individuals to use the CFP ® CERTIFIED FINANCIAL PLANNER TM , and CFP (with flame logo) marks. CFP certification is granted solely by Certified Financial Planner Board of Standards, Inc. to individuals who, in addition to completing an educational requirement such as this CFP BoardRegistered Program, have met ethics, experience, and examination requirements. Tool #3: Succentials Stifle Stopstacles What attributes help us? What attributes hurt us? Succentials (Love, Hope, Faith, Enthusiasm, Happiness, Empathy & Humor) stifle Stopstacles (Fear, Worry, Doubt, Pride, Envy, Greed & Guilt). How can we use more of our Succentials to stifle more of our Stopstacles? Stopstacles: Stubborn, Terrible, Obstinate, Problematic, Selfish, Troubling, Aggravating, Critical, Life Challenging, Exasperating Stumbling blocks. Let me know the re To learn more about how Life Options for 3rd Age Entrepreneurs can benefit you and your clients and prospective clients, contact Gary R. Jay, MCC, CPCC, CRC, CTM. sults & receive a free 1/2 hr. of coach ing...Value $100 Registered Principal Wanted! LifeMark Securities Corp. is expanding and is currently looking for another Registered Principal/ Representative Support Coordinator for its home office in Henrietta. Candidate must currently have their Life and Health License and the Series 6 or 7 with the ability to get their Series 26 or 24 within the first 3 months. Needs experience, case design and product knowledge. Please forward your resume to lalberts@lifemark.com. 13 WRAPFEE ACCOUNTS AND MUTUAL FUND 12b1FEES ARE COMING UNDER ATTACK by Bruce Moar Two key engines of recurring revenue for brokerdealers and registered reps are coming under heavy scrutiny by factions within the financial ser vices industry. As a result, wrapfee accounts and mutual fund 12b1 fees are clearly un der review by the Securities and Exchange Commission. Much of the regulatory concern focuses on the confusing relationship between the fees charged and the services provided to the client. The clear industry trend is toward more fee transparency and less conflict of interest. Industry concern over wrapfee accounts centers on the client’s inability to understand all the charges being levied and who benefits from the various fee components. Mutual fund 12b1 fees are being attacked on the grounds that they are essentially feebased payments to brokerdealers and are special compensation, thus constituting a possible violation of the Investment Advisors Act of 1940. As these two areas continue to be challenged, client interests may at times be better served through an investment advisory relationship. In an advisory relationship, the investment advisor’s interests and the client’s interests are more aligned. There is less potential for conflict of interest. When acting in an advisory capacity there is a direct, clear relationship between the services delivered to the client (direct money management) and fees charged. Furthermore, investment advisors are held to a higher standard than is usually the case with traditional brokers. Advisors have a fiduciary responsibility to act in the client’s best interest. This inherent transparency suggests that an investment advisory relationship, in addition to aligning both the client’s and the advisor’s interests, may be more consistent with evolving industry trends as well. Assets under management for SEC registered Investment Advisors are expected to grow rapidly in the next five years. The average advisor is expected to increase assets under management by 256% to $1.6 billion by 2012. For additional information, contact Bruce Moar, Director of the RIA Division for LifeMark Securities, at bmoar@lifemark.com or 5854245672 x40. 14 Rochester Association of Insurance & Financial Advisors Finger Lakes Association of Insurance & Financial Advisors (noted as “FLAIFA”) Bruce Bowman, President Kerry French, President AFLAC Beltz, Ianni & Associates Christopher Gaiser 5 Grove St. Scottsville, NY 14546 Phone: (585) 3177411 Fred W. Beltz, III, CLU, ChFC David Ianni, CLU, ChFC (585) 3405207 180 Canal View Boulevard Rochester, NY 14623 Phone: (585) 3405200, Fax:(585) 4279956 AFLAC – New York Debra Parker 1151 PittsfordVictor Road Suite 215 Pittsford, NY 145343829 Phone: (585) 2230490, Fax: (585) 2236975 Best Times Financial Planning, Inc. Allstate Financial Services/Life Insurance Bond Financial Network, Inc. John K. Best, CLU, ChFC, CFP 1598 Penfield Road Rochester, NY 14625 Phone: (585) 3852280, Fax: (585) 3838612 John C. Baughman, LUTCF Jamie Trovato 2122 E. Henrietta Road Rochester, NY 146234525 Phone: (585) 3598700, Fax:(585) 3593452 Bryan Bond, MBA Erick G. Bond, CLU, ChFC, MSFS Pittsford Village Green, 71A Monroe Avenue Pittsford, NY 14534 Phone: (585) 2485870, Fax:(585) 2489480 Ted Colucci Workplace Division 825 Cross Keys Office Park Fairport, NY 14450 Phone: (585) 3774640, Fax: (585) 4861259 Bryant & Stratton Alex Drummond Kate Pizzo 1225 Jefferson Road Rochester, NY 14623 Phone: (585) 2727200, Fax: (585) 2926478 Steve C. Marikos 167 Sully's Trail, Suite 101 Pittsford, NY 14534 Phone: (585) 3855432, Fax:(585) 3855460 Canandaigua Financial Group Kerry J. French, LUTCF, CLTC PO Box 1210 Canandaigua, NY 14424 Phone: (585) 3942570 Anthony G. Pagano, CLU, LUTCF 12150 Monument Dr. #600 Fairfax, VA 220334063 Phone: (585) 3855426, Fax:(877) 2930187 Capital Business Advisory Group Brad Champlin Daniel Deveau, CLU, ChFC Peter Livingston, CSA Douglas K. Miller, CLU Frank J. Payne, CLU, ChFC 1150J PittsfordVictor Road Pittsford, NY 145343822 Phone: (585) 2641111, Fax:(585) 2640103 AM&M Financial Services Thomas M. McKay, CLU 179 Sully's Trail, Suite 200 Pittsford, NY 14534 Phone: (585) 2480050, Fax:(585) 2480238 Ameriprise Financial Nannette Nocon, CFP, ChFC, CIMA 2024 W. Henrietta Rd Rochester, NY 14623 Phone: (585) 5462178, Fax:(585) 4759447 Caritas Consulting, LLC A. Joseph Indelicato 290 Linden Oaks, Suite 300 Rochester, NY 146252815 Phone: (585) 8991245, Fax:(585) 8991299 Deanna Y. Morell (FLAIFA) 142 West Lake Rd Penn Yan, NY 145278904 Phone: (315) 3311177 Centra Financial Group James Cerone, Jr., CLU ChFC Joseph M. Eduardo Sanford A. Gradinger, CLU Christopher P. Priest Jeremy T. Raco Marc T. Raco Randy S. Schuster Christopher Sloan, MBA Michael W. Southcott, CLU, ChFC Michael J. Underwood, CFP 290 Linden Oaks, Suite 300 Rochester, NY 146252815 Phone: (585) 8991200, Fax:(585) 8991299 APPS Paramedical Neal DeLeo 5280 Main Street, Suite 500 Williamsville, NY 14221 Phone: (716) 6320400, Fax:(716) 6326990 AXA Advisors Donald J. Germano, ChFC (585) 4758494 V. Anthony Quercia (585) 4758493 175 Corporate Woods, Suite 250 Rochester, NY 146231462 Phone: (585) 4758400, Fax:(585) 2921569 T. Kevin Sheehan, LUTCF 1109 English Road Rochester, NY 14616 Phone: (585) 7230118, Fax:(585) 7230132 The Central New York Group Steven F. Abbass, CLU 420 Willowbrook Office Park Fairport, NY 14450 Phone: (585) 2484729, Fax: (585) 5860707 AXA EQUITABLE Peter W. Moore, CLU 590 Packetts Landing Fairport, NY 144501551 Phone: (585) 4254660, Fax: (585) 6410586 Colonial Paul Revere Daniel Nash 301 Plainfield Road Suite 200 Syracuse, NY 13212 Phone: (866) 8697279 15 Ferguson, Jerome E. Complete Payroll Processing, Inc. Jerome E. Ferguson 19 W. Main Street, Suite 100 Macedon, NY 145028986 Phone: (315) 9863800, Fax:(315) 9869051 J. Michael O’Brien 7488 State Route 39, P.O. Box 190 Perry, NY 14530 Phone: (888) 2375800 x 415, Fax: (585) 2376011 Finger Lakes Financial Services, Inc. CPA Financial Services David Bernardi, CPA, CFP 100 Meridian Centre, Suite 310 Rochester, NY 14618 Phone: (585) 2712300, Fax:(585) 2711410 Alan D. Deuel David F. Gwynn, CLU, ChFC 29 LaSalle Parkway Victor, NY 145649610 Phone: (585) 5862600, Fax:(585) 5867897 DKCB Wealth Care Advisors, LLC Fortress Financial Services, LLC Robert J. Baldes, Jr., CLU, ChFC 1000 First Federal Plaza Rochester, NY 146141916 Phone: (585) 4544161, Fax: (585) 4542573 Orian W. Wilber, Jr., CLU 31 East Main St , Suite 250 Liberty Plaza Rochester, NY 14614 Phone: (585) 7039901, Fax:(585) 4543010 DRW/Milliman Insurance (FLAIFA) Futures Funding Corp Dale R. White 2123 Route 14 N. Geneva, NY 14456 Phone: (315) 7812765, Fax:(315) 7810949 Alan R. Ziegler, CEBS, CLU, ChFC, MSFS 100 Allens Creek Road, Suite 4 Rochester, NY 146183303 Phone: (585) 2715180, Fax: (585) 2715796 Eagle Strategies Corp. Goldstein, Rhoda H. Don Marriott 15 Mill Street. #3 Sodus, NY 14551 Phone: (315) 3315680, Fax:(315) 3596108 Rhoda H. Goldstein 71 Charissa Run Rochester, NY 146184829 Phone: (585) 2446507 Fax: (585) 2446507 E.K. Rivard, Inc. Guardian DI Scott W. Rivard 2851 Clover Street Suite 1 Pittsford, NY 14534 Phone: (585) 5868530, Fax: (585) 5868532 Lori A. Strimple 1150J PittsfordVictor Road Pittsford, NY 14534 Phone: (585) 2641111, Cell: (585) 7551880 Fax: (585) 2640103 ExamOne Guardian Employee Benefits Brenda Akkoul 824 Franklin Park Drive, Suite 2C East Syracuse, NY 13057 Phone: (866) 3850400, Fax: (866) 3850207 George M. Hall, Jr. 350 Linden Oaks Rochester, NY 14625 Phone: (585) 8998218, Fax:(585) 3816299 Sara Higgins (315) 4915564 600 Cross Keys Office Park, Suite 615 Fairport, NY 14450 Phone: (585) 4252120, Fax: (585) 4252142 Halstead Financial Resources Joan M. Halstead, CLU, ChFC, REBC 3810 St. Paul Blvd. Rochester, NY 146172734 Phone: (585) 2665202, Fax:(585) 2661727 Farm Family Life Insurance Company (FLAIFA) Betsy K. Hansen 354 Clinton Street Penn Yan, NY 145271344 Phone: (315) 5366407, Fax: (315) 5366451 The Hartford GBD Casey S. Keppler 500 Essjay Road, Suite 210 Williamsville, NY 14221 Phone: (716) 2762166, Fax:(716) 2762160 Sally A. Kenyon, LUTCF 9054 State Route 96 Interlaken, NY 148479734 Phone: (607) 3879676 Hartnett Financial Group Robert L. Hartnett, CLU, ChFC, LUTCF 10 East Church Street Fairport, NY 144501504 Phone: (585) 4250311, Fax:(585) 4254470 Michael E. Snyder, LUTCF 59 Main Street Box 217 Dresden, NY 144410217 Phone: (315) 5366407, Fax: (315) 5366451 Hemming Financial Services Daniel W. Hemming, CLU, ChFC, MSFS 100 Linden Oaks, Suite 109 Rochester, NY 146252840 Phone: (585) 3815820, Fax:(585) 3811725 Farmers & Traders Life Insurance Co Dennis Chmiel, CLU, ChFC, CSA, Regional VP 960 James Street, P.O. Box 1056 Syracuse, NY 13201 Phone: (800) 3470960 x 218, Fax:(315) 4723109 Heritage Financial Services, LLC John Haynes, CES, Regional VP 960 James Street, P.O. Box 1056 Syracuse, NY 13201 Phone: (800) 3470960 x 351, Fax:(315) 4723109 Stewart R. Moscov, CLU, ChFC 179 Sully's Trail, Suite 210 Pittsford, NY 14534 Phone: (585) 4198399, Fax:(585) 4198396 James Smith, CEBS, VP Sales & Marketing 960 James Street, P.O. Box 1056 Syracuse, NY 13201 Phone: (800) 3470960 x 259, Fax:(315) 4723109 Howe, John T. John T. Howe, ChFC, MSFS 3 Park Forest Drive Pittsford, NY 145343557 Phone: (585) 2234545, Fax:( 585) 4257573 Farone, William William P. Farone, CLU P.O. Box 154 Penfield, NY 14526 Phone: (585) 3880426 Independent Group of Companies Gary R. Kaminska, CLTC 170 Packett’s Landing Fairport, NY 14450 Phone: (585) 2231010 Fax: (585) 4211223 16 Insurance Brokerage Agencies Long Term Care Advantage Robert M. Miano 36 West Main Street, Suite 700 Rochester, NY 146141745 Phone: (585) 2634680, Fax:(585) 2637617 Garry M. Hurwitz 1157 Fairport Rd Fairport, NY 144501237 Phone: (585) 3815670 Jefferson Pilot Financial an affiliate of Lincoln Financial Group LTC Specialists Teresa L. Hamel 1 South Washington Street, Suite 420 Rochester, NY 14614 Phone: (585) 2623860, Fax: (585) 2623861 Johnson Insurance Services Mary Shannon Johnson, LUTCF P O Box 343 North Greece, NY 145150343 Phone: (585) 2920505, Fax:(585) 2920597 KAFL, Inc. Cathy L. Benjamin Dan T. Coye, CLU, ChFC, LUTCF Richard N. Grossmann Nancy A. Skelton, CLU, CSA Peter R. Skelton 85 Allen Street, Suite 300 Rochester, NY 146081844 Phone: (585) 2716400, Fax :(585) 2715050 Kelly Insurance & Financial Services Brian J. Kelly 780 Paul Road Rochester, NY 14624 Phone: (585) 4264619, Fax: (585) 4297244 King, Jim Jim King 647 Northlight Circle Webster, NY 14580 Phone: (585) 8727160 Legacy Financial Planning Brian D. Bedford, CFS Tamar H. KedmiMogilski, CLU, LUTCF, ChFC 400 Meridian Centre, Suite 105 Rochester, NY 14618 Phone: (585) 2415250, Fax:(585) 2415297 The Legler Group James F. Barletta, Jr., CLU, ChFC Kurt S Legler, CLU, ChFC, MSFS 1260 Creek Street, Suite 205 Webster, NY 145802297 Phone: (585) 6714720, Fax:(585) 6710192 Liberty Mutual Insurance Company Bruce A. Centola, SSR 2680 Ridge Road West Rochester, NY 146263091 Phone: (585) 2254801, Fax: (585) 2277131 Agostino Longo 479 Macintosh Dr. Rochester, NY 146264424 Phone: (585) 4246050 x 244 Michael D. Stewart, LUTCF 363 Simpson Rd Rochester, NY 146174832 Phone: (585) 8891520, Fax: (585) 8898456 Life Asset Advisors Carl Panzarella Robert Sweeney 350 Cayuga Road Cheektowaga, NY 14225 Phone: (716) 2044214, Fax: (716) 8396705 LifeMark Securities Corp. Lori Alberts Mark J. Priest, LUTCF James Prisco, JD 400 West Metro Financial Center Rochester, NY 14623 Phone: (585) 4245672 Fax: (585) 2727170 Lisa Mulvaney 2590 BrightonHenrietta Townline Rd. Rochester, NY 14623 Phone: (585) 4278820 x 102 John S. Yankowski 3 Widewaters Lane Pittsford, NY 145341023 Phone: (585) 2444488, Fax: (585) 2443717 Mass Mutual Michael B. Argaman, LUTCF (585) 3998393 Michael D. Beebe, LUTCF (585) 3998330 Dwight Case (585) 3998345, Fax: (585) 2625471 William D. Costello, LUTCF, CLF (585) 3998304 Fax: (585) 4269635 Michael G. Gurowski (585) 3998336 Pauline Lucas, CLU, ChFC, RHU (585) 2625600 x 306 Carl A. Nesselbush, CLU (585) 3998319 Herbert F. Ross (585) 3998309 Marilyn G. Scott, CLU, ChFC (585) 3998361 600 Clinton Avenue Rochester, NY 146042010 Phone: (585) 2625600, Fax:(585) 4239635 Frederick L. Krempin 5 Circle Court Rochester, NY 146173117 Phone: (585) 3998328 Fax: (585)4679575 Deborah A. Cary – (FLAIFA) 2 Main Street Clifton Springs, NY 14432 Phone: (518) 4627365, Fax: (518) 4627369 MMLISI Richard Sterman 125 Fairmeadow Drive Rochester, NY 14618 Phone: (585) 4733844 Fax: (585) 4733844 McCormack & Jones Stanley E. McCormack, CLU, ChFC 100 Linden Oaks, Suite 109 Rochester, NY 146252831 Phone: (585) 3815820, Fax:(585) 3811725 MetLife Financial Services (FLAIFA) Bruce W. Bowman 165 E. Union Street, Suite 411 Newark, NY 14513 Phone: (315) 3312626, Fax: (315) 3312695 Michael S. Schrouder 20 Maiden Lane Penn Yan, NY 145271208 Phone: (315) 5369142, Fax: (585) 5367419 MetLife/Rochester Financial Group Daniel R. Barber, LUTCF, CLTC (585) 2415257 Kenneth W. Buonomo (585) 2415235 John M. Ceddia, LUTCF (585) 2415255 Michael J. Conley, CLU, ChFC, LUTCF (585) 2415245 Vincent Dallo Jeff Davis, LUTCF, CLTC (585) 2148693 Michael V. Deer, LUTCF, CLTC (585) 2148684 Paul M. Di Duro, LUTCF (585) 2415262 Jarrett Felton (585) 2397448 Alvin L. Johnson, AFP (585) 2145256 Bernadette L. Krueger *Suite 315* (585) 2415211 Fax: (585) 2415298 James K. Krueger, LUTCF, ChFC *Suite 315* (585) 2415229 Fax: (585) 2415298 William J. Moravan, Jr., LUTCF (585) 2148690 Kurt H. Pentoney, FP, CLTC (585) 2415233 Cate Saperstone, MBA (585) 2148650 Robert J. Sass, LUTCF, CFP (585) 2144664 David Schmidl (585) 2148663 Frederick Squicciarini, MBA (585) 2148651 Carl C. Steinfeldt, LUTCF (585) 2148653 Bruce E. Sunderville, LUTCF, CLTC (585) 2415218 Vitamarie Trincali, CLTC, BS, LUTCF (585) 2148696 Patrick Underwood, (585) 2415209 Andrew Villa (585) 2415221 Cedric Williams (585) 2415291 Charlie Williams, Jr., CLU, ChFC, LUTCF (585) 2415215 17 William W. Young, LUTCF (585) 2415212 400 Meridian Centre, Suite 101 Rochester, NY 14618 Phone: (585) 2415200 or (585) 2415296 Fax: (585) 4277478 or (585) 4278710 Joseph W. Cirencione 42 Castle St., P.O. Box 568 Geneva, NY 14456 Phone: (315) 7190027, Fax:(315) 7190027 Jonah Jackson 911 Wellington Woods Drive E. Brockport, NY 14420 Phone: (585) 6374989, Fax:(585) 6374989 Miale, Richard A. Richard A. Miale, CLU, LUTCF 167 Lark Spur Lane Rochester, NY 146221746 Phone: (585) 2667139, Fax: (585) 3427105 Christopher J. McCarthy 54 Heatherhurst Dr. Pittsford, NY 145342127 Phone: (585) 2480493, Fax: (585) 2486770 Mickles Agency, Inc. James Mickles, CLU 800 Linden Avenue Rochester, NY 14625 Phone: (585) 5868000, Fax: (585) 5861672 Paul P. Pacitto 2112 Empire Boulevard, Suite 5b Webster, NY 145801935 Phone: (585) 6719760, Fax: (585) 6719764 Miller, E.J. Joseph Palumbo Latona Office Campus 550 Latona Road E. J. Miller 350 Brestol Street Canandaigua, NY 144240827 Phone: (585) 3947053, Fax: (585) 3945698 Building C, Suite 304 Rochester, NY 14626 Phone: (585) 2277310 MitchellNagel & Associates Joanne Squires (FLAIFA) 4779 E. Lake Rd. Geneva, NY 14456 Phone: (315) 5859137, Fax:(315) 5859101 Willis H. Mitchell, CLU, ChFC, CLTC David A. Nagel Jeffrey D. Nagel Robert S. Woolman 2680 West Ridge Road, Suite 201C Rochester, NY 14626 Phone: (585) 2271300, Fax: (585) 2270418 Northwestern Mutual Financial Network Stephen G. Beal, CLU, ChFC, CASL (585) 2484716 Duncan H. Bull, CLU, LUTCF (585) 2484707 Keith Elliott, CLU, ChFC (585) 2484718 Kevin McCarthy, (585) 2484714 Russell K. Schwartzbeck, CFP, CLU, ChFC (585) 2484724 Jeffrey A. Tyler, CLU, ChFC Morley Financial Services (FLAIFA) Pamela Morley Tierney 148 Hamilton Street Geneva, NY 144562910 Phone: (315) 7899252, Fax: (315) 7812490 W. Steven Wilterdink, CLU, ChFC 420 Willowbrook Office Park Fairport, NY 144504223 Phone: (585) 5866300, Fax:(585) 5860707 Mutual of Omaha/Companion Life Insurance NY Harold J. Redmond, CLU, ChFC 450 Biscayne Drive Rochester, NY 14612 Phone: (585) 6634476, Fax: (585) 3819628 David F. Moore, CLU, CFP 8624 Rt. 21 South Naples, NY 145129533 Phone: (585) 3742291, Fax: (585) 3749827 National Life Group Raymond E. Naber, Jr., CLU, ChFC 15 Prince Street, Suite 100 Rochester, NY 14607 Phone: (585) 3834368, Fax: (585) 3839085 OakWood Financial Services Michael R. McNaughton, CFP, CLU Daniel M. Schmitz 1678 Empire Blvd Webster, NY 14580 Phone: (585) 7876870, Fax:(585) 7876871 Nationwide Insurance Thomas J. Antinora, Jr. P.O. Box 26730 Rochester, NY 14626 Phone: (585) 7238770, Fax:(585) 7231275 O’Connor, Charles D. Charles D. O'Connor, MBA, CSA, CLTC 118 Marlborough Road Rochester, NY 146191410 Phone: (585) 2790585, Fax: (585) 2715050 Donald J. Damick, LUTCF, CLU (FLAIFA) 745 PreEmption Road Geneva, NY 144561335 Phone: (315) 7893753, Fax: (315) 7812343 Optima Financial Group John B. DeCicca (FLAIFA) P. O. Box 640 Waterloo, NY 131650640 Phone: (315) 5392107 Mark E. Kluge, CLU 1655 Elmwood Ave #210 Rochester, NY 146203426 Phone: (585) 2446800x24, Fax: (585) 2446861 Peter C. Minotti, LUTCF, AAI 2468 E. Henrietta Rd Rochester, NY 146234524 Phone: (585) 3592410, Fax:(585) 3213559 Paratore, Paul D. Paul D. Paratore, LUTCF 836 Houston Road Webster, NY 145804041 Phone: (585) 7506457 New York Life Michael J. Curtis (585) 2486786 M. Paul DeFelice, CLU, ChFC, MSFS Steven F. Lawrence, LUTCF (585) 2486732 Charles Lovejoy, (585) 2486734 Robert Mason (585) 2486710 Christopher L. Santelli (585) 2486764 Jonathan J. Spacher, CLU, ChFC (585) 2486718 375 Woodcliff Dr. Fairport, NY 14450 Phone: (585) 2486700, Fax:(585) 2486770 Penn Mutual/State Street Financial Charles W. Krause, CLU, ChFC Joseph D. Regan 39 State Street, Suite 400 Rochester, NY 14614 Phone: (585) 3251010, Fax:(585) 3257813 PNC Insurance Prabodh Shah 15 Rippingale Road Pittsford, NY 14534 Phone: (585) 3812903, Fax:(717) 3138994 Manda Blackwell 102 Genesee St. Avon, NY 14414 Phone: (585) 4384001, Fax: (585) 4384001 Polisseni Agency, LLC Deborah L. Ciciulla, CLTC – (FLAIFA) Michael D. Mancuso 375 Woodcliff Drive Fairport, NY 14450 Phone: (585) 6977060, Fax:(585) 6410144 116 State St Seneca Falls, NY 131481257 Phone: (315) 5689638 18 Portamedic/Hooper Holmes ShredIt Tammy FessEttaro Patricia Schneider 3159 Winton Road South, Suite 102 P.O. Box 92070 Rochester, NY 14692 Phone: (585) 4277320, Fax: (585) 4277887 Chuck Lyman 5690 Rossier Road Canandaigua, NY 14424 Phone: (800) 69SHRED Fax: (716) 6260819 ShredIt (Buffalo Branch) Paul Polino 440 Lawrence Bell Drive Williamsville, NY 14421 Phone: (800) 69SHRED Fax: (716) 6260819 Preferred Financial Group Eduardo Galan 6 Sweden Lane Brockport, NY 14420 Phone: (585) 6373605, Fax:(585) 6378627 Signator Advisory Group David J. Nichols, CLU, ChFC, CFP 6780 PittsfordPalmyra Road, Unit 2C Fairport, NY 14450 Phone: (585) 2231380, Fax:(585) 2231478 Principal Financial Group Gary S. Chard Gail A. Herbert, CLU, ChFC Edward M. Laders, CLU, ChFC, LUTCF Duncan I. Radcliffe 120 Corporate Woods, Suite 220 Rochester, NY 146231455 Phone: (585) 4279220, Fax: (585) 4279222 State Farm John A. Bartlett, LUTCF Maria Melnik Joseph Prusinowski 30 Jefferson Avenue Fairport, NY 144501910 Phone: (585) 3771270, Fax:(585) 3777266 Professional Financial Solutions, LLC Kamlin Kok Hill, MBA, CMA, ChFC, CFP 101 Sully's Trail, Building 20 P.O. Box 1010 Pittsford, NY 145344552 Phone: (585) 2189081, Fax: (585) 2189352 A. Christina BreenHale 3093 West Ridge Road Rochester, NY 146261646 Phone: (585) 2258480, Fax:(585) 2256315 Thomas P. Kernan Donna J. Armignacco 3221 Chili Avenue Rochester, NY 146245411 Phone: (585) 8893210, Fax:(585) 8893356 Prudential Financial Jeffrey D. Chapman, LUTCF (585) 3878919 June D. Giffen, LUTCF (585) 8993493 Steve Alexander (585) 8993491 2132 Five Mile Line Road Penfield, NY 14526 Fax: (585) 8993496 Vincent Leonardi 3047 W. Henrietta Road Rochester, NY 146232531 Phone: (585) 4751820, Fax:(585) 4751830 Rhett A. King, LUTCF, CLTC 20 Adams Street, Suite 200 Brockport, NY 144202202 Phone: (585) 6378462, Fax: (585) 6378269 Craig Papke, MBA 790 Ridge Rd. Webster, NY 14580 Phone: (585) 6700830, Fax:(585) 6700835 Michael J. McPherson, LUTCF P.O. Box 263 Attica, NY 140110263 Phone: (585) 5910113 Van C. Travis, III, CFP 2423 Monroe Avenue Rochester, NY 146183119 Phone: (585) 4615240, Fax: (585) 4613426 Peter J. Sichak, Jr. 50 Slayton Avenue Spencerport, NY 14559 Phone: (585) 3493777, Fax:(585) 3493837 Deborah Whitt, CLU, LUTCF 3953 Dewey Avenue Rochester, NY 14616 Phone: (585) 6630960, Fax: (585) 6632031 James R. Wells 301 Inglewood Drive Rochester, NY 146191441 Phone: (585) 2356554 The Summit Federal Credit Union Douglas Lannak 100 Marina Dr Rochester, NY 146265104 Phone: (585) 4537230, Fax: (585) 4539624 Remarkable Resource, Ltd. Gary R. Jay, CPCC 254 Bay Village Drive Rochester, NY 14609 Phone: (585) 2883747, Fax: 585) 2883747 Sun Life Insurance & Annuity Co. of NY Terry J. Bernat (585) 3838330 x 2222 Alexis Winter (585) 3833370 375 Woodcliff Drive, Suite 201 Fairport, NY 144504276 Phone: (585) 3838330, Fax: (585) 3838380 R. G. Relph Agency Robert G. Relph, Jr., CLU 1150 PittsfordVictor Rd Pittsford, NY 145343818 Phone: (585) 2488720, Fax: (585) 2482140 MJ Teddy & Associates Mark A. Paganelli, CLU, ChFC, CFP 1250 Pittsford Victor RoadBuilding 200, Suite 280 Pittsford, NY 14534 Phone: (585) 3834290, Fax:(585) 3834291 Gregory P. Kausch, CLU Michael J. Teddy, CLU The WestBrook Bldg, 2850 Clover Street Pittsford, NY 14534 Phone: (585) 2486181, Fax:(585) 2486194 William H. Rogers Financial Services Thrivent Financial for Lutherans RFG Associates William H. Rogers, IV, CLU, ChFC, MSFS 5944 Cleary Road, P.O. Box 62 Livonia, NY 144870062 Phone: (585) 3465250 , Fax:(585) 3462960 Richard J. Kane, CLTC, LUTCF, FIC 109 Lake Avenue Suite 14A, P.O. Box 107 Hilton, NY 144681198 Phone: (585) 3925339, Fax: (585) 3922657 Sagemark Consulting UNUM Martin F. Palumbos, CLU, ChFC, CFP (585) 3507255 John R. Piccirilli (585) 3507245 200 Meridian Centre, Suite 150 Rochester, NY 14618 Fax: (585) 2714764 Daniel C. Rivers 50 Square Dr. Eastgate Square #1000 Victor, NY 14564 Phone: (585) 4215332, Fax: (585) 4215399 19 U. P. A. Arnie N. Pechler, III, LUTCF, CFP,LLIF 1025 Brixton Dr #1 Macedon, NY 14502 Phone: (315) 9863765, Fax: (315) 9863783 You are what matters…. Upstate Special Risk/LifeMark Securities Elizabeth E. Casper, CLU, ChFC Andrea Graham Andrew J. Kalinowski, CLU, CFP, RHU Eileen M. Minier, CLU, ChFC, RHU, ACS David W. Scholl, CLU 400 West Metro Financial Center Rochester, NY 14623 Phone: (585) 2738530, Fax: (585) 2738540 Waddell & Reed, Inc. Joseph J. Spinelli 135 Corporate Woods, Suite 320 Rochester, NY 146231496 Phone: (585) 4364510, Fax: (716) 4364514 Experience for yourself why KAFL has become the choice for many respected producers and how we have helped them achieve their professional and personal visions Wall Street Financial Group Glenn P. Meade, MBA 900 Jefferson Road, Suite 121 Rochester, NY 14623 Phone: (585) 4244330, Fax:(585) 4243647 Life * Long Term Care * Annuities * Disability * Group Health Walsh Insurance Group 85 Allen St., Suite 300 Rochester, NY 146081844 5852716400 * 8002726488 Fax: 5852715050 * Email: kafl@kafl.com www.kafl.com Christopher C. Kempton P O Box 5016 Buffalo, NY 14205 Phone: (716) 8533820, Fax:(716) 8471360 Weldon Agency, Inc. (FLAIFA) Duane Weldon P.O. Box 531 Penn Yan, NY 14527 Phone: (716) 8533820, Fax:(716) 8471360 Securities offered through Wall Street Financial Group Inc. Member NASD, SIPC Wise Associates Peter A. Bonenfant 1040 University Avenue Rochester, NY 14607 Phone: (585) 4616492, Fax:(585) 4616496 LifeMark Securities Corp. A Broker Dealer Run by Producers for Producers Flexible & Accommodative Compliance is Your Ally Business Development & Growth Philosophy on Independence Overall Support 400 West Metro Financial Center Rochester, NY 14623 Member NASD/SIPC www.lifemark.com The Independent Choice 20 For Opportunities Contact: Mark J. Priest, mpriest@lifemark.com 8002917570 x 85 A G Abbass, Steve (585) 2484729 Akkoul, Brenda (866) 3850400 Alberts, Lori (585) 4245672 Alexander, Steve (585) 8993491 Antinora, Thomas (585) 7238770 Argaman, Michael (585) 3998393 Armignacco, Donna (585) 8893210 Gaiser, Christopher (585) 3177411 Galan, Eduardo (585) 6373605 Germano, Donald (585) 4758494 Giffen, June (585) 8993493 Goldstein, Rhonda (585) 2446507 GordanoManno, Deborah (585) 241 9001 Gradinger, Sanford (585) 8991200 Graham, Andrea (585) 2738530 Grossmann, Richard (585) 2716400 Gurowski, Michael (585) 2625600 Gwynn, David (585) 5862600 B Baldes, Robert (585)4544161 Barber, Daniel (585) 2415257 Barletta, James (585) 6714720 Bartlett, John (585) 3771270 Baughman, John (585) 3598700 Beal, Stephen (585) 2484716 Bedford, Brian (585) 2415250 Beebe, Michael (585) 3998330 Beltz, Fred (585) 3405200 Benjamin, Cathy (585) 2716400 Bernardi, David (585) 2712300 Bernat, Terry (585) 3838330 x 222 Best, John (585) 3852280 Blackwell, Manda (585) 4384001 Bond, Bryan, (585)2485870 Bond, Erick (585) 2485870 Bonenfant, Peter (585) 4616492 Bowman, Bruce (315) 3312626 BreenHale, A. Christina (585) 2258480 Bull, Duncan (585) 2484707 Buonomo, Kenneth (585) 2415235 C Cary, Deborah (518) 4627365 Case, Dwight (585) 3998345 Casper, Elizabeth (585) 2738530 Ceddia, John (585) 2415255 Centola, Bruce (585) 2254801 Cerone, James (585) 8991200 Champlin, Brad (585)2641111 Chapman, Jeffrey (585) 3878919 Chard, Gary (585) 4279220 Chmiel, Dennis (800) 3470960 x 218 Ciciulla, Deborah (315) 5689638 Cirencione, Joseph (315) 7190027 Colucci, Ted (585) 3774640 Conley, Michael (585) 2415245 Costello, William (585) 2625600 Coye, Dan (585) 2716400 Curtis, Michael (585) 2486786 D Dallo, Vincent (585) 4277478 Damick, Donald (315) 7893753 Davis, Jeff (585) 2148693 DeCicca, John (315) 5392628 Deer, Michael (585) 2148684 DeFelice, M. Paul (585) 2486700 DeLeo, Neal (716) 6320400 Deuel, Alan (585) 5862600 Deveau, Daniel (585) 2641111 Di Duro, Paul (585) 2415262 Drummond, Alex (585) 2727200 E Elliott, Keith (585)2484718 Eduardo, Joseph (585) 8991200 F Farone, Bill (585) 3880426 Felton, Jarrett (585) 2397448 Ferguson, Jerome (315) 9863800 FessEttaro, Tammy (585) 4237320 French, Kerry (585) 3942570 H Hall, George (585) 8998218 Halstead, Joan (585) 2665202 Hamel, Teresa (585) 2623860 Hansen, Betsy (315) 5366407 Hartnett, Robert (585) 4250311 Haynes, John (800) 3470960 x 351 Hemming, Daniel (585) 3815820 Herbert, Gail (585) 4279220 Higgins, Sara (315) 4915564 Hill, Kamlin (585) 2189081 Howe, John (585) 2234545 Hurwitz, Garry (585) 3815670 I Ianni, David (585) 3405200 Indelicato, A. Joseph (585) 8991245 J Jackson, Jonah (585) 6374989 Jay, Gary (585) 2883747 Johnson, Alvin (585) 2145256 Johnson, Mary Shannon (585) 292 0505 K Kalinowski, Andrew J. (585) 2738530 Kaminska, Gary (585) 2738530 Kane, Richard (585) 3925339 Kausch, Gregory (585) 2486181 KedmiMogilski, Tamar (585) 2415250 Kelly, Brian (585) 4264619 Kempton, Christopher (716) 8533820 Kenyon, Sally (607) 3879676 Keppler, Casey (716) 2762151 Kernan, Thomas (585) 8893210 King, Jim (585) 8727160 King, Rhett (585) 6378462 Kluge, Mark (585) 2446800 x 24 Krause, Charles (585) 3251010 Krempin, Frederick (585) 3998328 Krueger, Bernadette (585) 2415211 Krueger, James (585) 2415229 L Laders, Edward (585) 4279220 Lannak, Douglas (585) 4537230 Lawrence, Steven (585) 2486732 Legler, Kurt (585) 6714720 Leonardi, Vincent (585) 4751820 Livingston, Peter (585) 2641111 Longo, Agostino (585) 4246050 x 244 Lovejoy, Charles (585)2486734 Lucas, Pauline (585) 2625600 x 306 Lyman, Chuck (800) 69SHRED M Mancuso, Michael (585) 6977060 Mason, Robert (585) 2486710 Marikos, Steve (585) 3855432 Marriott, Donald (315) 3315680 21 McCarthy, Christopher (585) 2480493 McCarthy, Kevin (585)2484714 McCormack, Stanley (585) 3815820 McKay, Thomas (585) 2480050 McNaughton, Michael (585) 7876870 McPherson, Michael (585) 5910113 Meade, Glenn (585) 8993351 Melnik, Maria (585) 3771270 Miale, Richard (585) 2667139 Miano, Robert (585) 2634680 Mickles, James (585) 5868000 Miller, Douglas (585) 2641111 Miller, E.J. (585) 3947053 Minier, Eileen (585) 2738530 Minotti, Peter (585) 3592410 Mitchell, Bill (585) 2271300 Moore, David (585) 3742291 Moore, Peter (585) 4254660 Moravan, William (585) 2148690 Morell, Deanna (315) 3311177 Moscov, Stewart (585) 4198399 Mulvaney, Lisa (585) 4278820 x 102 N Naber, Raymond (585) 3834368 Nagel, David (585) 2271300 Nagel, Jeffrey (585) 2271300 Nash, Daniel (866) 8697279 Nesselbush, Carl (585) 3998319 Nichols, David (585) 2231380 Nocon, Nannette (585) 4759430 O O'Brien, J. Michael (888) 2375800 x 415 O'Connor, Charles (585) 2790585 P Pacitto, Paul (585) 6719760 Paganelli, Mark (585) 3834290 Pagano, Anthony (585) 3855426 Palumbo, Joseph (585) 2277310 Palumbos, Martin (585) 3507255 Panzarella, Carl (716) 2044214 Papke, Craig (585) 6700830 Parker, Debra (585) 2230490 Paratore, Paul (585) 7506457 Payne, Frank (585) 2641111 Pechler, Arnie (585) 9863765 Pentoney, Kurt (585) 2415233 Piccirilli, John (585) 3507245 Pizzo, Kate (585) 2727200 Polino, Paul (800) 69SHRED (74733) Priest, Christopher (585) 4245672 Priest, Mark (585) 4245672 Prisco, James (585) 4245672 Prusinowski, Joseph (716) 3771270 Q Quercia, V. Anthony (585) 4758493 R Raco, Jeremy (585) 8991200 Raco, Marc (585) 8991200 Radcliffe, Duncan (585) 4279220 Redmond, Harold (585) 6634476 Regan, Joseph (585) 3251010 Relph, Robert (585) 2488720 Rivard, Scott (585) 5868530 Rivers, Daniel (585) 4215332 Rogers, William (585) 3465250 Ross, Herbert (585) 3998309 S Santelli, Christopher (585) 2486764 Saperstone, Cate (585) 2148650 Sass, Robert (585) 2144664 Schmidl, David (585) 2148663 Schmitz, Daniel (585) 7876870 Schneider, Patricia (585) 4237320 Scholl, David (585) 2738530 Schrouder, Michael (315) 5369142 Schuster, Randy (585) 8991200 Schwartzbeck, Russell (585) 2484724 Scott, Marilyn (585) 3998361 Shah, Prabodh (585) 3812903 Sheehan, T. Kevin (585) 7230118 Sichak, Peter (585) 3493777 Skelton, Nancy (585) 2716400 Skelton, Peter (585) 2716400 Sloan, Christopher (585) 8991200 Smith, Jim (800) 3470960 x 259 Snyder, Michael (315) 5366407 Southcott, Michael (585) 8991200 Spacher, Jonathan (585) 2486718 Spinelli, Joseph (585) 4364510 Squicciarini, Frederick (585) 2148651 Squires, Joanne (315) 5859137 Steinfeldt, Carl (585) 2148653 Sterman, Richard (585) 2625600 Stewart, Michael (585) 8891520 Strimple, Lori (585) 2641111 Sunderville, Bruce (585) 2415218 Sweeney, Robert (716) 2044214 T Teddy, Michael (585) 2486181 Tierney, Pamela Morley (315) 7899252 Travis, Van (585) 4615240 Trincali, Vitamarie (585) 2148696 Trovato, Jamie (585) 3598700 Tyler, Jeffrey (585) 5866300 U Underwood, Michael (585) 8991200 Underwood, Patrick (585) 4215209 V Villa, Andrew (585) 2415221 W Weldon, Duane (585) 3382141 Wells, James (585) 2356554 White, Dale (315) 7812765 Whitt, Deborah (585) 6630960 Wilber, Orian (585) 7039901 Williams, Cedric (585)2415291 Williams, Charlie (585) 2415215 Wilterdink, W. Stephen (585) 2484701 Winter, Alexis (585) 3833370 Woolman, Robert (585) 2271300 Y Young, William (585) 2415212 Z Ziegler, Alan (585) 2715180 22 Quick Guide to NAIFA Resources (From the Back Cover of the 2007 Member Resources Guide) If You Want To Visit … Join NAIFA... www.naifa.org/join Renew your NAIFA membership... www.naifa.org/renew Update your member records... www.naifa.org/update Download the membership brochure... www.naifa.org/join Learn more about NAIFA... www.naifa.org/about Learn about the NAIFA practice specialties... www.naifa.org/benefits/practice_specialties Find your local association... www.naifa.org/local Learn more about NAIFA's grassroots' efforts... www.naifa.org/apic Learn more about NAIFA's political action committee... www.naifa.org/ifapac Explore the LILI program... www.naifa.org/lili Discover great sales ideas and other resources... www.advisortoday.com Check out Advisor Today's YAT Chat... www.advisortoday.com/YATChat Read Advisor Today magazine online... www.advisortoday.com/digimag Take advantage of NAIFA's Advantage Plus Program membersonly discounts... www.naifa.org/benefits/affinity Find out about NAIFA's education and training programs... www.naifa.org/benefits/education Visit the NAIFA Leaders Center... www.naifa.org/leaders Learn more about the NAIFA Speakers Bureau... www.naifa.org/benefits/speakers See what the 2007 Convention and Career Conference is all about... www.naifa.org/convention See a list of the companies that endorse NAIFA membership... www.naifa.org/join/endorse.cfm Shop the NAIFA Marketplace... www.naifamarketplace.com Get the scoop on the YAT program... www.naifa.org/yat Find out about NAIFA's Association, Industry and Membership Awards... www.naifa.org/awards For more information, call the Member Service Center at 8778662432 23 RAIFA 40 Brougham Drive Penfield, NY 14526
