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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 [email protected] 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 [email protected] Immediate­Past President: Mike Teddy 585­248­6181 [email protected] President: Kerry French 585­394­2570 President­Elect: Mark Priest 585­424­5672 x 85 [email protected] Vice President: Lori Strimple 585­264­1111 [email protected] Secretary: Gary Kaminska 585­223­1010 [email protected] Treasurer: Jim Prisco 585­424­5672 x 385 [email protected] [email protected] National Committeeperson: Vitamarie Trincali 585­214­8696 [email protected] 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 [email protected] DIRECTORS Director: Cathy Benjamin 585­271­6400 [email protected] Director: Dwight Case 585­399­8345 [email protected] Director: Liz Casper 585­273­8530 lcasper@e­upstate.net Director: Orian Wilber 585­703­9901 [email protected] Director: John Spacher 585­248­6700 [email protected] Director: Fred Squicciarini 585 214­8651 [email protected] 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 [email protected] 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: [email protected] 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 [email protected]. 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: [email protected] 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 [email protected] 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
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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: [email protected] 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
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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
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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 [email protected] . 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: [email protected] 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) ~ [email protected] 10
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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: [email protected] 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 [email protected]. 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 [email protected] 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: [email protected] 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, [email protected] 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
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