I recently attended the NAIFA National Convention in San Diego, CA and came back with a stronger commitment to lead and serve our chapter members.

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1 Fall 2014 Dayton NAIFA-Dayton PO Box 974 Waynesville, OH Ph: / President s Message: I recently attended the NAIFA National Convention in San Diego, CA and came back with a stronger commitment to lead and serve our chapter members. Here are the main highlights: Advocacy is more important than ever: The NAIFA IFAPAC is the largest in our industry; surpassing many others like New York Life, and even USAA; The convention goal, $125K, but we surpassed with over $130K! Ohio had a 100% participation. It appears likely that a measure to create the National Association of Registered Agents and Brokers (NARAB) will become law. A NARAB amendment is attached to House and Senate legislation to reauthorize the Terrorism Risk Insurance Act (TRIA) backstop. The political consensus is that NARAB will pass along with TRIA. The bill is designed to establish a national licensing body through which agents would pay a fee to get a NARAB license in the state or states where they want to be licensed. Good news on the tax front is that the current tax-reform draft by Rep. Dave Camp, R-Mich., contains no provision to change rules regarding the tax-free inside buildup of life insurance. Other provisions, however, could cause life insurance taxes to rise. The No. 1 regulatory concern remains a uniform fiduciary rule for investment advisers and broker-dealers, although the SEC is divided on the issue. The Department of Labor, meanwhile, has again delayed its version of such a fiduciary standard, which NAIFA has criticized because of a lack of industry input. Those involve deferred acquisition costs which relate to commissions, insurers calculations of policy reserves, company-owned life insurance, changes to capital gains rates and elimination of Traditional IRAs and reduced contribution limits to 401Ks. New Emphasis on Professional Development LUTCF: In Association with the College for Financial Planning, The new Life Underwriter Training Council Fellow (LUTCF) program will feature a sharply focused, timely curriculum to meet agents needs. The new program is going to be very complete, very robust. It really is designed to give a brand-new advisor what they need to be successful. Enrollment begins January 1 st 2015 Advisor 2020: The researchers at the GAMA Foundation developed the content for NAIFA s Advisor 2020; a workshop designed to help advisors see around the corner and into the future. The first study, The Market of the Future identifies economic, demographic and sociological factors that will transform what clients expect and what types of products and services they will need. The workshop also addresses new technologies, skills and capabilities, and challenges & opportunities for Advisors from a cultural and environmental perspective. The NAIFA board of directors met on Friday, September 12 th to develop a strategic plan to take NAIFA-Dayton to new heights. More information is forthcoming! Jose Rafi Rodriguez, NAIFA-Dayton President

2 Page 2 Introducing your NAIFA-DAYTON OFFICERS AND DIRECTORS Officers President RAFI RODRIGUEZ rafi.rodriguez@securitiesamerica.com President Elect and Treasurer PATRICK MARTINEZ patrick.martinez@nm.com Immediate Past President MOSE RICHARDSON, CLU, MBA mose.richardson@ubs.com Membership Meetings Plan Ahead Fill your calendar with these dates for future meetings for NAIFA-Dayton. Thursday, November 20, 2014 Thursday, February 12, 2014 Thursday, May 14, 2014 Luncheon meetings currently scheduled at NCR Country Club. Times are 11:30am-1:00pm Association Executive THERESA RICHARDSON naifadayton@yahoo.com Directors Elliot Boyd elliot.boyd@nm.com DON BUEHRLE dbuehrle@jhnetwork.com RANDY GALLAS, CLTC rgallas@ltcinsuranceagency.com JOY HARPER joy.harper@horacemann.com BOB HOOPES rhoopes@donet.com MIKE HUMPHREVILLE mikehumphreville@sbcglobal.net PENNY PROFITT penny.profitt@usi.biz Other Meetings Monday, December 8, 2014 Legislative Reception with Rick Perales and Chris Widener Event location: 2661 Commons Blvd. Beavercreek Capital Room 8:00am-9:30am January 2015 NAIFA-Ohio Mid Year State Meeting Columbus April 2015 NAIFA-Dayton s 100th Anniversary GALA Celebration May 18th-20th, 2015 Congressional Congress Washington D.C. June 2015 NAIFA-Ohio State Convention Columbus

3 NAIFA-Dayton Mentors Local College Students Page 3 On October 8th NAIFA Dayton held a panel discussion at Wright State University for their finance club. This event helped the students understand what a career in financial services entails. On the panel were NAIFA members Mick Lundy, Rafi Rodriguez, Andrew Platt, and Patrick Martinez. With advisors and agents of various ages and experience on the panel the discussion and questions from the students were invaluable. Most of the discussion was centered around NAIFA as an organization and how we are advocates for our clients and our business. We also discussed a career in the business and the many benefits of running a financial services practice in the Dayton area. The panel discussed the many opportunities available to them during and after college. With the success of the event we were invited back. We welcome any NAIFA advisor or agent willing to share their success in the business to be part of the upcoming Mentoring Socials. Elliot Boyd - NAIFA-Dayton is Looking for a Few Good Men and Women!! NAIFA-Dayton s Nominating Committee is now accepting names of individuals who may be interested in serving on the Board of Directors or a related committee. We need people who are eager to help us improve and expand our local chapter in the following areas: Membership Programs/Speakers Publicity Education Technology Professional Development/Education IFAPAC (our political action committee) Advocacy Community Service Awards/Recognition Hospitality If you would like to serve in any of these areas, please contact Theresa Richardson at the NAIFA-Dayton office at or via at naifadayton@yahoo.com. Current NAIFA- Dayton President Rafi Rodriguez (and wife Nidy) with Rick Perales on October 25th.

4 Page 4 Rafi Rodriguez (Current NAIFA-Dayton President) and Mick Lundy (Current NAIFA-National APIC Vice-Chair, Past NAIFA-Ohio and NAIFA-Dayton President) with Congressman Mike Turner (R- OH 10th District) during a breakfast fundraiser on October 18th, The Changing of the Guard NAIFA-Dayton s new President, Rafi Rodriguez, presents the Presidential Gavel to President Mose Richardson, CLU, MBA at our Membership Luncheon Meeting on September 11, 2014 at the NCR Country Club. Your service to our Association is appreciated! Special Thanks To the following board members who have served our association and whose term has been completed: Mark George, CLU, CFP Charles M. Graham, CLU, ChFC Timothy J. Melvin, ChFC Becki Taylor Their time, support, and contribution to NAIFA-Dayton is greatly appreciated. Be one of the first 6 to refer a new member and receive a $50 gift card! Membership is easyvisit and click on the join button.

5 Page 5 Thank you to our Sponsors! Are you or a company you work with interested in being a NAIFA-Dayton Sponsor? We have levels to meet everyone s needs. Contact Theresa Richardson for more information. NAIFA Member Benefits Help GROW Your Business NAIFA members have access to over 50 professional programs and products designed to enhance skills and provide value-added business services. Here is just a sampling of what NAIFA has to offer: Online CE through a partnership with RegEd Monthly Webinars NAIFA ClientCast by RealWealth NAIFA s Virtual Library NAIFA s Advisor Today Magazine Online Seminar Series NAIFA SmartBrief View all of the NAIFA member benefits at

6 Page 6 NAIFA-Dayton Updated Info: The NAIFA Dayton address has changed to the following: P.O. Box 974 Waynesville, Ohio The contact phone is (937) naifadayton@yahoo.com Website: There is currently no fax service available... Please contact Theresa Richardson at any of the above if you have questions. Please consider a contribution to your political action committee For more information about IFAPAC and to make contributions securely online, please click HERE. To download a printable IFAPAC contribution form in PDF format, please click HERE. Welcome, New Members Andrea Livingston American Family Life Insurance Company Brian Yeakley Metlife Financial Services New Member Referral: Bob Hoopes New England Financial December Community Service Project CHOICES (Children Have Options In Caring Environments) is a private, nonprofit foster care agency working throughout the Miami Valley. They place neglected and dependent children between the ages 0-21 in foster homes and independent living settings. We have on opportunity to support this project by giving either a monetary gift, or bring with you to our November meeting a gift for a foster youth. To participate, you can choose a youth from a list that was ed to all members from the NAIFA-Dayton office. The list will be ed again for anyone who has not had the chance to choose from the list. Unwrapped gifts can be brought to the November 20th meeting. If you prefer to contribute a monetary gift, please bring with you to the November meeting or you will have an opportunity to either mail a check or pay online. Stay tuned for the with a list of youth. Lifelines is published under the supervision of the Dayton Association of Insurance & Financial Advisors Board of Directors, PO Box 974, Waynesville, OH Information and opinions expressed in bylined articles are those of the author and do not necessarily reflect the views of NAIFA-Dayton.