2015 Calendar of Events - NAIFA Columbus

Wednesday, April 15, 2015

CE Seminar (offering 2 hours of CE credit)
9:15 a.m. - 11:15 a.m.
Cost:  FREE for NAIFA-Columbus Members / $35 for Guests or Non-Members
Location:  J. Liu Restaurant, 6880 N. High Street, Worthington 43085

NAIFA-Columbus Membership Luncheon
11:30 a.m. - 1:00 p.m.
Cost:  FREE for NAIFA-Columbus Members / $25 for Guests or Non-Members
Location:  J. Liu Restaurant, 6880 N. High Street, Worthington 43085

Wednesday, May 20, 2015

CE Seminar (offering 2 hours of CE credit)
9:15 a.m. - 11:15 a.m.
Cost:  FREE for NAIFA-Columbus Members / $35 for Guests or Non-Members
Location:  J. Liu Restaurant, 6880 N. High Street, Worthington 43085

NAIFA-Columbus Annual I. David Cohen Lifetime Achievement Award Luncheon
11:30 a.m. - 1:00 p.m.
Cost:  FREE for NAIFA-Columbus Members / $25 for Guests or Non-Members
Location:  J. Liu Restaurant, 6880 N. High Street, Worthington 43085

Tuesday, November 10, 2015

7:30 a.m. - 3:00 p.m.
Location: Hilton, 401 N. High Street, Columbus 43215

Welcome New Members Naifa-columbus

new members as of 3/23/15

Daniel L. Sklenka, RHU
Lifetime Brokerage


Join NAIFA-Columbus

Join NAIFA-Columbus


NAIFA - National

Did you know?

February 2015

  • In less than a minute, you can help NAIFA
  • It’s important to have your home address and email on file so that NAIFA can pinpoint your legislative district.
  • Please go to https://member.naifa.org/Services/NAIFA/Profile/NAIFA/MyProfile.aspx and update your NAIFA member profile OR call 877-866-2432.

You may have never run for public office. You might not know much about politics. But with NAIFA's Advisors Political Involvement Committee (APIC), you can still make a difference.

Influence how Congress votes on legislation important to insurance and financial services professionals. You can get involved in a number of ways. The level of involvement is up to you.

For more information, please contact Maggie Fogg at 703-770-8154 or mfogg@naifa.org


by Rich Galzarano
Membership Chair


The continued growth of the organization is vital for our future, but the real question is, why do we recruit and have new members join NAIFA?
The answer is that we believe in NAIFA and what is has to offer. We have a great value proposition for an advisor. NAIFA is an organization that advocates for the financial services industry, and the great benefits that we provide to our clients. It also educates our advisors through Continuing Education, mentoring programs, and all the tools and resources available on the naifa.org website.

  • What would our clients do without the tax benefits of life insurance?
  • What would our clients do if the government voted to get rid of the tax benefits of a Roth IRA?
  • What would our advisors do without strong mentors?
  • What would our advisors do without some of the great resources that are available?

The bottom line is that NAIFA advisors make more money, and NAIFA is an advocate for our industry to ensure that we preserve the tax benefits of life insurance and ROTH IRA’s as examples. You are doing work colleagues and friends of the industry a disservice by not at least having a conversation with them about joining NAIFA. We are protecting the future of our livelihood.

Cort Bradbury




FROM: Reuters.com

Obama takes aim at brokers' fees on U.S. retirement accounts

Mon Feb 23, 2015 5:59pm EST

By Jeff Mason and Sarah N. Lynch

(Reporting by Jeff Mason and Sarah N. Lynch; Additional reporting by Suzanne Barlyn in New York; Editing by Karey Van Hall and Howard Goller)

WASHINGTON (Reuters) - U.S. brokers and financial advisers would face new constraints under a plan President Barack Obama put forward on Monday to reduce conflicts of interest and "hidden fees" that cost Americans billions of dollars in retirement savings every year.

In proposing the rules, Obama said he sought to protect Americans from being steered into costly retirement investments that produced high commissions for brokers but low returns for investors preparing for retirement.

Democrats and Republicans are trying to position themselves as champions of the middle class in the run-up to the November 2016 presidential election. Retired seniors are an important voting bloc.

The proposed rules, which the Department of Labor is expected to submit formally in the coming months, will inject political pressure into an already intense debate over brokers' obligations.

They would have an impact on thousands of brokerages, from large players such as Fidelity, Wells Fargo (WFC.N), Charles Schwab (SCHW.N) and Raymond James (RJF.N), to smaller, independent shops.

Brokers would be held to a higher "fiduciary standard," requiring them to put their clients' financial interests ahead of their own.

The White House said the proposals target fees and payments that on average lead to a full percentage point lower annual return on retirement savings at a cost to Americans of $17 billion a year.

In particular, Obama called for new rules preventing retirement brokers from steering clients' savings into funds with higher fees and lower returns, or advising clients to roll their funds over into higher-cost plans.

Speaking at an event hosted by the AARP Inc, formerly known as the American Association of Retired Persons, Obama said, "It's a very simple principle: You want to give financial advice, you’ve got to put your client’s interests first. You can't have a conflict of interest."

The proposal is opposed by many Republicans, financial firms and some of Obama's fellow Democrats who fear the plan will limit retirement products available to investors and curb brokers' compensation.

Wall Street groups have lobbied for years against efforts by the Labor Department to adopt a new fiduciary rule, forcing the department in 2011 to scrap its first draft of the plan.
Secretary of Labor Tom Perez said on Sunday in a call with reporters that the new proposal would incorporate feedback from the previous failed attempt.

"We expect that the proposed rule will not ban commissions or any common compensation practices, and it will allow financial advisers to continue providing general education on retirement savings," he said, citing some of the differences with the previous proposal.

The industry is predicting rapid growth in retirement accounts. Boston-based Cerulli Associates said that in 2013, U.S. investors rolled over an estimated $352.9 billion into IRAs from employer-sponsored retirement plans. New rollovers from such plans will balloon to an estimated $546.1 billion in 2019, Cerulli said. IRAs are individual retirement accounts.


Reform advocates welcomed the announcement.

"The president's involvement ... on this issue from our perspective is a very positive sign," said Shaun O'Brien, an assistant policy director for health and retirement with the AFL-CIO, a federation of labor groups.

Massachusetts Senator Elizabeth Warren, a consumer advocate who some Democrats hope will challenge Hillary Clinton for the party's presidential nomination, joined Obama at the event

The speech prompted swift reaction from Capitol Hill.

Missouri Republican Representative Ann Wagner, the sponsor of past legislation to delay the Labor Department's efforts, pledged to put forth new legislation later this week to "preserve options for Americans to obtain financial advice."

In 2013, Wagner's prior bill generated some bipartisan support and passed in the House by a vote of 254-166.

Some Democrats who supported that bill have since shifted. Representative John Delaney of Maryland, who attended the event with Obama, told Reuters in a statement on Monday that since the bill passed, "reams of additional data have been released" showing the need for new rules.


In their pushback against the Labor Department's efforts, Wall Street groups have also cited a lack of coordination with the Securities and Exchange Commission.

The SEC and the Financial Industry Regulatory Authority oversee largely the same pool of brokers as Labor, but they have different legal regimes.

The SEC for years has considered adopting its own uniform fiduciary rule for retail brokers and advisers, but remains divided.

Under current SEC rules, advisers are held to a higher "fiduciary" standard while brokers are held to a lower "suitability" standard, meaning they must sell "suitable" products even if they are not the most cost-effective.

Ken Bentsen, president of the Securities Industry and Financial Markets Association, said the SEC is the appropriate entity to consider any new rules, and called the White House's research supporting reforms inadequate.

Bentsen said Obama's announcement "juts a lot of politics into what is a very serious matter."



CCi Corner

Shawn Combs

Ohio Bureau of Workers' Compensation


February 23, 2015

York Risk Services Announces TPA Combination to Operate Under CareWorks Comp Brand Name

York Risk Services Group, Inc., parent company of two Ohio workers’ compensation Third Party Administrators (TPAs) – CareWorks Consultants Inc. and Frank Gates Service Company – today announced that effective Monday, March 2, 2015, these two operations would be consolidated into one entity, operating under a new brand name of CareWorksComp.

This combination has created Ohio’s largest workers’ compensation TPA. The new name signifies a unification of the two companies and a continuation of delivering innovative workers’ compensation claim management and cost control tools unique to the state of Ohio.

“Our new brand reflects who we are, and the innovation that differentiates us in our industry,” said Frank Pagnatta, president, CareWorksComp.

By effectively managing each unique workplace absence, whether injury-related or not, employers can maintain productivity and control costs while focusing on returning valuable employees back to work as quickly and safely as possible.

“The vision of the two companies to be best-in-class providers of workers’ compensation cost control solutions hasn’t changed in the over 60 years each has been in business in Ohio. This combination furthers our commitment to deliver personalized service, utilize advanced technologies and deliver the products and services our customers value most,” said Pagnatta.

The new name will have minimal direct impact on current customers. Effective, March 2, 2015, the company’s internet site will be www.careworkscomp.com.


April Meeting

NAIFA-Columbus CE Seminar and "NAifa gives back" Membership Luncheon

Date: Wednesday, April 15, 2015
Time: 9:15 am – 1:00 pm

Location: J. Liu Restaurant, 6880 N. High Street, Worthington OH

Sponsored by:

APPS Paramedical Services   

9:15 a.m. - 11:15 a.m.

CE SEMINAR - Offering 2 hours of CE Credit
Hour 1: “Solutions for the Highly Compensated”
Hour 2: “Underwriting Disability Income Insurance”
Speaker: Kevin Quinn, Principal Financial Group

Cost: Free for NAIFA-Columbus Members / $35 for Non-Members/Guests

Do you offer complete protection and risk management strategies to your clients and prospects? Life insurance alone isn't enough to protect clients’ incomes. They need a "living benefit" if they become too sick or hurt to work. Did you know that over 90% of working Americans do not have adequate income protection? In this session you will learn ideas and concepts that will help you help your clients be better prepared if the unexpected happens.

The topics discussed will help you bring value added solutions to your clients, especially those who are highly compensated and/or business owners by reviewing their unique needs and the solutions available. Key Person and Retirement Security DI are just two of the topics that will be covered in the first hour. In addition, Kevin will discuss the positive changes and improvements that have taken place in the underwriting of the disability insurance risk, including both Simplified Issue and Guaranteed Issue of DI. Lastly, it has been proven time and again that producers who take a comprehensive approach with clients earn more.

About Kevin Quinn:
Kevin graduated from the College of the Holy Cross in Worcester, Massachusetts in 1981. He began his insurance career as a Disability Claims Analyst with Paul Revere Insurance Company in June 1981. In his claims analyst position, Kevin dealt every day with people who were unable to work due to unexpected sickness or injury and that’s where he first developed his passion for the disability insurance business. In 1983, Kevin moved into the Disability Marketing Division and held several positions there before moving to Columbus, Ohio in 1988 to become a Brokerage Sales representative with Paul Revere. He became Brokerage Manager in 1992. Kevin qualified for Paul Revere’s top sales club on three occasions and was named President of the Brokerage Advisory Council in 1996. In 1997, Kevin joined Principal Financial Group as Regional Vice President of Disability Sales covering Ohio and Indiana. Kevin works with producers to provide, sales, marketing, training and case design support to increase the awareness of, and the need for disability insurance, and to help producers increase their DI sales. He is a 13 time qualifier of Principal’s Recognition Circle Club.


11:30 a.m. - 1:00 p.m.


Alec Wightman with The OSU James Cancer Hospital
Major Terry Wood with Salvation Army
Elissa Schneider with Mid-Ohio Foodbank

Cost: Free for NAIFA-Columbus Members / $25 for Non-Members/Guests

About the Program:
Alec Wightman with The OSU James Cancer Hospital and Major Terry Wood with the Salvation Army will discuss how each of their organizations give back to the community. NAIFA-Columbus will also be presenting The OSU James Cancer Hospital with a check from last year’s annual Dennis Clark Golf Classic.
About Alec Wightman:
Alec Wightman is a partner in the national law firm of Baker Hostetler, where he served as Executive Partner from January 2004 until June 2008. He represents private and public companies and is the lawyer-in-charge of the firm’s relationship with a FORTUNE 20 healthcare services company. Alec currently serves as Chairman of the Board of Trustees of Cleveland Rock and Roll, Inc., which operates the Rock and Roll Hall of Fame and Museum. He is also the Chair of the National Council of the Moritz College of Law Alumni Society. Alec is a member of the Board of Trustees of the Rock and Roll Hall of Fame Foundation and the Board of Trustees of Otterbein University, where he serves as Secretary, Chair of the Advancement Committee, and a member of the Executive Committee. Alec has been a member of the Board of Directors for The Arthur G. James Cancer Hospital and Richard J. Solove Research Institute Foundation since 1989, and is a past President of the Board.

Alec is a 1972 graduate of Duke University and a 1975 graduate of the Moritz College of Law. He and his wife, Kathy, live in German Village and have two daughters, Nora and Emily. Besides his obvious passion for music (his Zeppelin Productions, Inc. has promoted national act singersongwriter shows in Columbus since 1995), he is an avid tennis player.

About Major Terry Wood:
Major Terry Wood, along with his wife Major Susan Wood, are the Corps Officers/Pastors at The Salvation Army Chapel at Worthington Woods located at 760 Worthington Woods Blvd., in Worthington, OH. Both Major Terry Wood and Susan Wood were commissioned as Salvation Army Officers in June 1997. Prior to their appointment to the Chapel at Worthington Woods in June 2010 they served as the Corps Officers in Wellsville, NY, Divisional Youth Secretaries in Upstate New York and as Divisional Officers in Southern New England. Both Susan and Terry’s parents are retired Salvation Army Officers.

In 1984 Terry received a B.S. Degree in Nutrition and Food from Drexel University. Prior to entering the Salvation Army School for Office Training he worked as a Food Service Manager in the Health Care Industry. Terry is currently a student at Mount Vernon Nazarene University working toward a Masters Degree in Ministry and Divinity. Susan and Terry were married in September 1992 and have two children: Kathryn (18) is a freshman at Gordon College and Steven (17) is a junior at Thomas Worthington High School/Delaware Area Career Center.

About Elissa Schneider:
Elissa Schneider is the Director, Major Gifts for Mid-Ohio Foodbank. A native Ohioian, Elissa fell in love with connecting people to good ideas when she was only a teenager. Inspired by the creative ways those in the nonprofit sector solved problems, she developed a deep passion for charitable work. Over 15 years later, Elissa directs major gift opportunities for Mid-Ohio Foodbank’s Development Team and is happy spending her days keeping Columbus an amazing place to live, one program at a time.


Dennis Clark Golf Classic

Jerod Cook
Dennis Clark Golf Classic Chair

2015 marks the 28th annual Dennis Clark Cancer Research Classic. This year's Dennis Clark Golf Classic will be held on Tuesday,
September 22, 2015 at Wedgewood Golf and Country Club

  • Great fun!
  • Great people!
  • Great course!
  • Great food!

Please, be ready to make preparations to be a part of this continued tradition!!

You know that mission, vision, and strategic planning are key components to raising serious money.  But it’s not always easy to articulate clear definitions for each.

To help us more clearly define and understand mission, vision, and strategic planning I like using a golf analogy.  Imagine you have just stepped into the tee-box and are getting yourself ready to hit one of your famously beautiful (and long) drives.  As you place the ball on the tee and prepare for your swing, your vision would be where you see your golf ball landing after your tee-shot.  It’s the best possible destination you desire for your ball.  For instance, this vision may describe the surroundings of the golf ball as being in the middle of the fairway, some 400 yards away, free of any obstructions and divots, and setting you up for an eagle!

Continuing with the golf analogy, the swing mechanics that allow you to achieve your vision would be your strategic plan.  For instance, in order to get the ball to the place of vision, how slow will your backswing be?  How much bend at the waist will you exact?  How open will you club face need to be?  How much torque will you need to apply?  And how would you describe your follow-through?  In each of these areas you will need goals and specific, measurable objectives.  And when the goals and objectives are achieved, the swing is perfectly suited to launch the ball so that it lands at the vision destination.

Next, what about the role of mission?  Your mission describes your purpose.  It explains why your institution does what it does.  And, it describes why your institution is distinct or unique.  So, to complete the golf analogy, the mission would explain why we believe hitting a golf ball matters.  It could explain why we are playing golf and not basketball, or baseball, or some other sport.  And it would describe the distinctive way we approach the game of golf.


Jason McNeal, May 23, 2012


february Membership meeting highlights

On February 18th, NAIFA-Columbus held their Membership Luncheon Meeting at J. Liu Restaurant in Worthington. During this luncheon, John Boe with John Boe International discussed “Body Language: How to Read Your Prospect Like a Book.”

President Jon Berniger gave his President’s Message; Membership Chair Rich Galzarano provided a membership report and Immediate Past President Duane Borcherding provided an update on the NAIFA-Columbus “A Day with MDRT” event. Following his talk, John Boe was presented with a clock from President Jon Berniger as a thank you for taking his time to talk with members.

NAIFA Quality Awards were presented to the following members:

1 YEAR – Cody J. Beatty Northwestern Mutual – The Kemelgor Financial Group
1 YEAR – Casey R. Willman Thrivent Financial for Lutherans
1 YEAR – Kevin E. Drewyor Northwestern Mutual – The Kemelgor Financial Group
2 YEARS – Jessica H. McNamee Northwestern Mutual – The Kemelgor Financial Group
2 YEARS – Brandon McIntyre Northwestern Mutual – The Kemelgor Financial Group
2 YEARS – Shawn W. Phelps, MBA Northwestern Mutual – The Kemelgor Financial Group
2 YEARS – David A. Ritter Thrivent Financial for Lutherans
3 YEARS – Adam J. Edwards, CLU, ChFC, CFP Northwestern Mutual – The Kemelgor Financial Group
3 YEARS – Christopher M. Moore Northwestern Mutual – The Kemelgor Financial Group
6 YEARS – Jonathan D. Cross, CLU Northwestern Mutual – The Kemelgor Financial Group
6 YEARS – Ryan C. Johnson Northwestern Mutual – The Kemelgor Financial Group
6 YEARS – Troy B. Kemelgor, CLU, ChFC Northwestern Mutual – The Kemelgor Financial Group
7 YEARS – Travis J. Falk, CLU, CFP Northwestern Mutual – The Kemelgor Financial Group
7 YEARS – Terrance D. Lumpkins, Sr. Northwestern Mutual – The Kemelgor Financial Group
7 YEARS – Brandon Smith Northwestern Mutual – The Kemelgor Financial Group
8 YEARS – Brett A. Bumgarner Northwestern Mutual – The Kemelgor Financial Group
8 YEARS – Michael B. Cohen Northwestern Mutual – The Kemelgor Financial Group
8 YEARS – Jared A. Dosch, CLU, CFP Northwestern Mutual – The Kemelgor Financial Group
9 YEARS – Daniel R. Neary, CLU, ChFC Northwestern Mutual – The Kemelgor Financial Group
10 YEARS – Jeffrey R. Ritter, CLU, LUTCF, FIC Thrivent Financial for Lutherans
13 YEARS – Alberta A. Lewis Modern Woodmen of America
14 YEARS – Philip D. Capretta, CLU, ChFC, CASL Northwestern Mutual – The Kemelgor Financial Group
16 YEARS – John M. Brush, CLU Northwestern Mutual – The Kemelgor Financial Group
17 YEARS – Louise M. Fleming, CLU, ChFC Northwestern Mutual – The Kemelgor Financial Group
21 YEARS – Michael L. Silberstein Northwestern Mutual – The Kemelgor Financial Group
24 YEARS – Douglas T. Eastman, CLU, ChFC, CFP Northwestern Mutual – The Kemelgor Financial Group
28 YEARS – Allan W. Lepley, CLU, ChFC Northwestern Mutual – The Kemelgor Financial Group
29 YEARS – Ralph L. Williamson Northwestern Mutual – The Kemelgor Financial Group
30 YEARS – James V. Hayden, CLU, ChFC, LUTCF Northwestern Mutual – The Kemelgor Financial Group
31 YEARS – Frank J. Dosch, CLU, ChFC, LUTCF Northwestern Mutual – The Kemelgor Financial Group
33 YEARS – H. Gregg Kearns, CLU Northwestern Mutual – The Kemelgor Financial Group
38 YEARS – Daniel G. Snow Northwestern Mutual – The Kemelgor Financial Group
43 YEARS – Robert M. Roach, CLU, ChFC Northwestern Mutual – The Kemelgor Financial Group

A two-hour CE seminar was held prior to this luncheon from 9:15 am to 11:15 am. David J. Seiger, J.D., with Berson-Sokol Agency, Inc. presented “What’s Old, What’s New and What’s Next in Long Term Care Insurance”

Thank you to Nancy Lower and Berson-Sokol for being our featured sponsor of this meeting!


President Jon Berniger and MDRT Co-Chair Duane Borcherding
President Jon Berniger and MDRT Co-Chair Duane Borcherding