national association of insurance and financial advisors ...209.61.156.20/050644/june proof.pdf ·...

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NAIFA - Central Coast News

Serving California’s Professional Insurance and Financial Advisors

The Central Coast

Luncheon Reservations: $15 RSVP Online at www.naifacc.org

Place............................................................Pelican Point RestaurantGeneral.Meeting.Date.................................. June 28, 2007CE/Table.Topics..........................................10:00 AMSales.Congress............................................11:00 AMGeneral.Meeting.Check-In.Time................... 11:30 AMMeeting.Begins............................................12:00 Noon

ISSUE: June 2007

MEETING INFORMATION

In This Issue:

President’s Message

Meet the Speaker

Treasurer's Report

AHIA Report

Legislative Report

Public Relations & Professional Development

Facilities Report

IFAPAC Report

Corporate Sponsors

YAT Report

Membership Report

Legislative Contact Info

National Association of Insurance and Financial Advisors - Central Coast

MEET THE SPEAKER JOHN A. DAVIDSON, LUTCF

National NAIFA President, and President of Davidson Insurance and

Financial Services, Inc.

John.is.the.president.of.the.National.NAIFA.association and this is the first time we have ever had a current president as our keynote speaker!

You think you are juggling lots, try being the President of NAIFA (National) during a transition year and growing and maintaining a thriving insurance practice" Come to our meeting and hear John address us regarding NAIFA and the tools of our trade.

John Davidson, also president of Davidson Insurance and Financial Services, Inc. (Thousand Oaks, CA), will talk about his very successful insurance and financial services business and provide valuable insight for attaining greater success and growth in your business. He will also bring us up to date on the current Strategic Plan for.NAIFA.

Davidson Insurance and Financial Services, Inc. specializes in providing the finest Group Employee Benefits and Individual Health Insurance Plans since 1981. With currently over 90 groups, covering thousands of clients throughout the United States, they design programs ranging from small groups( 2-50) up to fully self-funded National Accounts.

John A. Davidson, LUTCF has been active in Association leadership for over 23years.

John was first elected to the NAIFA Board of Trustees in 2001 and is currently serving as our NAIFA President. .John began his Insurance career in 1981 and is a Qualifying and Life member of MDRT having qualified for Round Table every year that he has been in the business. John.is.also.a.Bronze.Knight.of.the.MDRT.Foundation, IFAPAC Emissary, APIC Federal House Coordinator, Charter member of AHIA, and a member of AALU and The Society of Financial Services Professionals.

John. is. a. past. President. of. NAIFA-San.Fernando Valley and NAIFA-California.As NAIFA Trustee, John served on the Transformation Task Force, Member Benefits Education Sub-committee, Leadership Development Program and the Convention Planning committee. John also served as Trustee Liaison to The Association of Health Insurance Advisors (AHIA) and the National Membership.Committee..

Very active in the Political Arena, John has been an Agent/Advisor for a number of influential Politicians including: U.S. Congressman, Elton Gallegly, State Senator, Tom McClintock, State Assemblywoman, Audra Strickland and Ken Maddox, former Vice-Chair of the California Assembly Insurance Committee

Your Sales Can Soar Along With NAIFAInto The Next Frontier

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Official Publication of NAIFA - Central Coast


By: Miguel Paredes, CSA

PresidentPresidentMiguel Paredes, CSA

Neal -Truesdale Insurance

President ElectFrank Burrola, LUTCF

Burrola Ringer & Associates

Immediate Past PresidentKendra H. Kimlinger, M.S., CFP®

Blakeslee & Blakeslee, SLO

Secretary/TreasurerMelinda Monteen, LUTCF

Monteen Insurance

National Committee PersonRick.Ireland

INI Group Benefits

To advocate for a positive Legislative and regulatory environment,enhance business and professional skills, and promote the ethical

conduct of our members for the benefit of the communities we serve.

NAIFA - CENTRAL COASTBoard of Directors

MISSION STATEMENT

Board & Committee PersonsMembership.......................... Membership.Committee

YAT (Young Advisors)................ Jim Marshall, LUTCF

IFAPAC....................................................... David Ion

AHIA.................................Ralph Weber, CFP®, REBC

Programs.................... Kendra Kimlinger, M.S., CFP®

Legislation.............................................Pamela.Ables

Leadership Development...Connie Framberger, LUTCF

Public Relations ..............Connie Framberger, LUTCF

Community Service............................Adi Ringer, CFP

Facilities.......................................Christine.Jennings

LUTC / Prof. Development....Malcolm Pickett, LUTCF

Corporate.Sponsors................ Frank Burrola, LUTCF

Special Projects..................W. Scott Engle III, LUTCF

Awards........................................Jack Smith, LUTCF

Call.Teams.......................................... Martha Wilson

President's Message

It was with a great deal of pride that. I. accepted. the.Bronze.AAA.Award of Excellence at the State Convention on behalf of our association. Once again, the hard work of our board- members, of our committee chairs, and all our members did not go unnoticed. Thank you all for your hard work, dedication and continued involvement this past year. It goes without saying that this would not have been possible with out any of you. We should also be proud of the fact that our local association had the highest per capita contribution to IFAPAC in the state ($170.00 per member) great job to all of you who contributed, specially, David Ion our PAC Chair. I would like to give a special THANKS to Kendra Kimlinger, our Immediate Past-President, who not only did a terrific job as our Program Chair this past year, but was always available to answer any and all of the many questions that I had about NAIFA. In addition to lining up our speakers, she also coordinated and planned the terrific Table Topics and CE Classes we alternated before each meeting. Thanks also to Rick Ireland, Connie Framberger, Adi Ringer and Mike Ables for being the “old guard” (more than 10 years of NAIFA experience each as well as all being past presidents) and providing invaluable experience and guidance. Thanks to Melinda Monteen for keeping our finances in order, To Frank Burrola for doing a great job with our Corporate Sponsors and for stepping up to the plate as President next year. Thanks To Jim Marshall for heading up the YAT, to Ralph Weber for his involvement with AHIA, Pam Ables for keeping us informed on legislative matters, Christine Jennings for making sure we always had a place to meet and to Martha Wilson and her call team for making sure we had people at the meetings. Thanks also to Jack Smith, not only for doing our awards this year but for the wonderful talk he gave at out May general meeting. Last, but definitely not least, I want to give thanks to Audrey Rollings for the excellent job she did as the Administrative Assistant for most of the year and to Monique Chenault for not only coming to our rescue at the last minute, but for doing so with such competence and professionalism. Thank you all!

(805) [email protected]

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All bank statements are in reconciled with the following account balances:

General Checking Account: $ 11,365.97Reserve Account: $ 3,056.71Family Care Fund Account: $ 6,600.92

Total Liquid Assets: $ 21,023.60



TreasurerReport

By: Melinda.Monteen

Treasurer

Association of HealthInsurance Advisors

By: Ralph WeberAHIA Chair

As the summer approaches, the issue of healthcare and the uninsured has been getting increasing scrutiny. The media has been playing up the 16.4% that are uninsured “at any point during the year”, while ignoring the US Census Bureau statistics which indicate that 99.07% of Americans were insured during the year. The proponents of mandatory healthcare and the proponents of government run healthcare both point at their desire to cover all, including undocumented aliens.

Unfortunately most people have misdiagnosed the problem. The fact is that the uninsured generally have lower medical costs per capita than the insured do, and many of them are uninsured because they feel the premiums are too high.

Continued on page 4

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This is where you, the trusted advisor, comes in. It’s your job to find a benefit package that fits the need of the client and helps them keep expenses within what they feel is a value-adding cost. There are many ways to do this using H.S.A’s, HRA’s stacked plans etc. Know your client, know the market.

Another thing to watch for is the movie “Sicko”. I have not seen the movie, but it is sure to be full of misrepresentations. Arming yourself with the true facts will allow you to answer your clients questions. Regina Hertzinger has just published a new book with has gotten good reviews, and Dave Racer and Greg Datillo have recently published a book called “Fact not fiction” which sells for only $1 a piece when you buy 25 copies. I have a small supply, or you can go to www.AHIA.net and.order.them.online.

The Single Payer bill, SB 840 is also making the rounds again. There is a campaign by its supporters to lobby Senator Abe Maldanado to support the bill. Abe is OUR Senator and he supports HSA’s and free market solutions, but he needs to hear from you. Please take a minute, go to www.NAIFACC.org and click on the local representatives link and write him a letter urging him to vote against it.

Call me if you want more details ....(805) 277-0741

[email protected]

Continued from page 3

(L to R) Mike Ables, Miguel Paredes, Frank Burrola, David Ion and Adi Ringer at the State Convention in Anaheim which was

held on May 17-18, 2007

(L to R) David Ion, Frank Burrola, Insurance Commissioner Steve Poizner and Miguel Paredes.

IFAPAC Chair David Ion (left) received an award from NAIFA California President Dawn Coleman (right) for having the

highest per-capita total PAC contribution in the state($170 per member).

NAIFA California President Dawn Coleman andPresident-Elect Dennis Sunderman with

NAIFA Central Coast President Miguel Paredes (left) .

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Leisure, Werden, and Terry

Brokerage Only Since 1927Lark Stoltze, CFPTM, CSATM, RFGTM,.MBA

Phone: (805) 696-6902/Cell: (805) 705-0205/Fax: (805) [email protected]

Santa Barbara

Life Insurance

Annuities

Long Term Care Insurance

Life Settlement

Administrative Corner

Hello All,I just wanted to introduce my self and get my contact information out to you all. I will be handling the Administrative duties until June. You can reach me via e-mail at [email protected] I check this account 7 days a week. My day time phone number is 805-474-6006. Feel free to contact me when ever you need to during Monday thru Friday.

Please don’t forget to RSVP the easy way by going to naifacc.org and clicking on the words “RSVP HERE”.

Hope all is going well with your business and life,

Monique Chenault

Dates and Events to RememberMark Your Calendars!

2007 MDRT Annual MeetingJune 10–13, Denver, Colorado"Reach New Heights" in Denver Inspired by the Rocky Mountains, the Program Development Committee will host a meeting that will challenge attendees to “Reach New Heights” and provide tools to help them achieve that goal. The 2007 MDRT Annual Meeting promises Main Platform and Special Sessions that offer unforgettable moments that honor our past, embrace our present and shape our future. Dynamic Focus Sessions will inspire and impart knowledge and skills applicable to a global membership, presented by competent and enthusiastic speakers.

NAIFA – National ConventionSeptember 8-12, 2007Washington D.C. National Convention and Career Conference

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It’s Time To Support Your PACOur April meeting is also our local PAC meeting. You will receive phone calls and messages this month encouraging you to either contribute to the PAC or to raise your level of contributions. Please take the few minutes to talk with and help our association.

Your PAC Benefits Your Association 1) It gives us the opportunity to support candidates and elected legislators who support and understand our industry. 2) We get access to legislators, assembly people and senators who pass the laws. 3) It gives us political credibility.

Your Benefits

1) When an individual sends a contribution to a candidate they may not know why. When a PAC does be assured they know why they are receiving the contribution. We want an ear of the lawmaker to present our side to. 2) Expand our political interest. We may only know one or two Senators or Assembly people that we can talk to yet they are a small percentage of the overall vote. The PAC has the ear and access to the other people who can help our voice be heard. 3) The PAC promotes political awareness and you are more likely to vote or to volunteer to help a candidate.

Please bring a guest to our meeting and be prepared to share with them the importance of NAIFAPAC. If you are contributing and know a member who is not ask them how they want their voice heard in our State and Nation.

Your PAC deserves your strong support!

Please contact David Ion at 458-9022to make a contribution or ask a question.

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Legislation &Political Involvement

By: Pam.Ables

Legislation/PIC Chairperson

Thanks to all who participated in the full page NAIFA ad in both the Tribune and the Santa Maria Sun. I thought the ad looked better than ever! There are still 3 of you who have NOT paid yet. Please submit your check to me immediately! Next month, I publish the names of the deadbeats!!!!..Thanks!

Public Relations &Professional Development

By: by Connie Framberger

June is the month of appropriations! All bills that need funding are in line. June is an important month in the capitol since a budget is suppose to be passed next month. NAIFA-California is watching all of the bills I have mentioned over the past several months.

Of particular interest are the health bills. The Governor, The Speaker and the Senate Leader all have proposals for consideration. And there are certain things about each bill that NAIFA-California will not stand for. One of the biggest is the “purchasing pool” described in each bill.

Continued on page 11


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Venture Annuities

A Proud Sponsor of NAIFA Central Coast

Bradley D. SicoffRegional Vice President

(805) 886-2847

With local support out of the Santa Barbara Sales and Marketing Office

Matthew PharInternal Sales Specialist

(805) 560-7727

"A partner in protecting your clients' retirement income."

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FREE Demo Disc800-799-4267

www.AdvisorsAssistant.com

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You'll track every prospect and bereminded to call them so they don't slip through the cracks.You'll track birthdays and other important events so you can EASILY send cards,letters, emails, or make calls.You'll stay in touch more often to keep your name in front of your clients so theydon't stray to other advisors. NAIFA

Special Discountfor NAIFA Members

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Facilities ReportBy:

Christine.Jennings

"Greetings to all NAFIA-CC members and sponsors. Thank you for your continued dedication to the reservation process allowing us to improve our commitment and communication with the Shore Cliff. Your attention to. the. details. that. make. the. process.successful improved our accuracy and loss ratio in the last 4 months. We appreciate you all making the commitment improving our results. I wish you an exceptional summer and look forward to seeing all of you in September!"



By: David Ion

IFAPAC Chairperson

Political Action Committee Report

I am seeking volunteers! No I don’t need your time (although that is appreciated) but I do need your financial support. I would like to see each member of our local contribute 1% of their income to the PAC to support us in our State and National levels.

As we face the future it is up to each licensed professional in the securities and insurance business to open their wallets to promote and protect their business as well as to assist others starting today. As Jack Smith mentioned at our last meeting times have changed.

New agents are not supported financially and unfortunately many highly qualified individuals are forced out before the even have a chance to succeed. A great deal of this is due to legislation and greed.

Without your support to fight legislation which ads to the onus of being in business and by your keeping your checkbook and wallet closed why do we continue to ask about the next generation of agents. We need people to volunteer their resources and time to make our PAC, State and Locals strong again. Don’t delay, call me today.

(805) 458-9022(805) 528-4358

[email protected]

Life Underwriter'sTraining Council

By: Malcolm Pickett

LUTC Chairperson

LUTCF & CONTINUING EDUCATION

Gene. Policastri. has. relocated. his. practice.to Santa Barbara and I have volunteered to assume his role in our association. Over the past couple of years I have moderated three courses from the American College. Last year, two courses conducted were the foundation courses for the designation Financial Services Specialist (FSS) in which several members of our group participated.

To finish the program these participants need to complete another LUTCF elective.


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2006-07 CorporateSponsors

By: Frank A. Burrola, LUTCFCorporate Sponsor Chair

Wow! Another year has gone by. It was a lot of fun and my pleasure to serve this outstanding association over the past few years. I look forward to helping Annie Shanks continue our relationships with our Sponsors. I would like to thank each and everyone one of them for their commitment to our success and encourage each of you to ask them a question. “How can we help each other?”.. Advisors Assistant 805-773-7981. . Shari.Martin. American Skandia/Prudential Financial Christopher P. Sheckley 800-628-6039 x57192.. Benelect 559-905-1791 Susan Smithson .

Blue Cross 805-461-1616. . Kip.Meredith. ... Designs in Life Insurance Marketing Jeff Tackett 805-461-7388.. John Hancock 805-886-2847. . Brad.Sicoff.. Leisure Werden & Terry 805-705-0205 Lark Stoltze.. LISI 800-970-5474 Jason Herbison

Nationwide 661-645-0800 John Saxten. State Farm Insurance 805-595-2053 Walt Heagy

WarnerPacific 805-886-4062 Kim Novak .

805-474-6006 [email protected]


This “pool” would create a health insurance policy that would be in direct competition with the private sector. In many instances the “pool” policy would be less expensive and more benefit rich than existing health insurance companies. If you are an employer or employee looking for health insurance, which do you choose? A less expensive (artificially lower cost) government written policy or a more expensive (but actuarially correct) policy written by a health insurance company?

NAIFA-California is lobbying with CAHU and other organizations to make sure our members stay in business and our clients maintain health.care.choices.

Thank you for remaining involved in NAIFA-Central Coast!

Pam Ables(805) 534-1168


Most of the participants wish to undertake the FA 252 Essentials of Employee Benefits. At this time we are searching for a meeting site that is centrally located for both Northern Santa Barbara County members and Northern San Luis Obispo County members. Any recommendations will be gratefully received. As well, any members who have not taken this course will be welcomed to join the class.

Office (805) [email protected]

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MEMBERSHIPBy:

Membership.Committee

YATBy:

Jim.MarshallYAT Chair

Giving Back The NAIFA-CC Family Care Fund committee recently received 3 requests for funds to help out members of our community. We are glad to report that we were able to grant all of the requests: A family whose home burnt down, an ex-police officer who became paralyzed in the line of duty and a young man, who suffered a severe loss of use of his legs after an unfortunate fall (he might be able to recover after a long road of physical therapy).

Our Family Care Fund is off to a good start. We have been able to help families in need and we still have funds available to help others. With your help, we’ll be able to raise additional funds and hopefully to give back for many years.

If you know of someone, or hear or read a news report on a local family that had an unfortunate event take place, one that they could not have planned for, affecting their children or leaving them in severe hardship, let us know. You can request a submission form by calling me, Adi Ringer, at 474-6006 or by e-mail:[email protected]

Your Success is Our Bottom Line

Membership in NAIFA is all about your success. We give you the tools you need to grow your business and propel your career as an insurance or financial advisor. At NAIFA, we provide our more than 70,000 members with creative sales and marketing ideas, networking opportunities, first-rate sales and skills training, and the best legislative representation in the industry. And, with over 900 state and local NAIFA associations nationwide, you can attend regular meetings locally to network with your peers, share ideas, and form business alliances. Join NAIFA for less than $1 a day, and make a personal investment in your professional future!

May has been an exciting month for me. We did a Career Day presentation at the Cal Poly Financial Management Association on May 11th to a packed room. I was joined by Malcolm Pickett, Connie Framberger, Walt Heagy, Brian Skaggs, and Craig Darnell. We all talked about how we go into the business, the type of work we do, and provided information on perusing a career in the insurance and financial services industry. I received a letter the next day from John Vignocchi the FMA President to thank us and let us know that several students had stopped him on campus to tell him how much they enjoyed our presentation and wanted us to come back again next year. This is the second year we have done this and I plan to make it an annual thing from here on out. I feel it is our responsibility to encourage and inform students about career opportunities in our industry. I want to thank all of you that took time out of your busy schedules to participate the students really appreciate it.

Many of the students are looking for internships and I collected several resumes after the presentation. and. promised. the. members. that.I would get them out to our membership. Unfortunately the internship part of our website


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Now is the perfect time to get in on the action. For more information, give me a call!

Jim Marshall805-528-4739

[email protected]

is not working correctly but we are working on resolving it so keep an eye out for postings or get a hold of me if you are looking for an intern.

Last I am really hoping to get a group together to start the LUTC program this year we need 5 or more dedicated people who want to obtain and LUTCF or other designations. There are many classes. to. choose. from.. The. process. can. take.a couple of years but it is well worth it. LUTC has been a foundation for many members in our association including myself. It is a lot of work but you will find the rewards amazing, just ask anyone who has been through the program I am sure they will agree. If you are interested please talk to myself or Malcolm Pickett so we can start planning for next year.

I hope everyone has a great summer.


Be sure to check out all the NAIFA websites...

Learn what NAIFA is accomplishing at every level!

NAIFA Central Coastwww.naifacc.org

NAIFA Californiawww.naifacalifornia.org

National NAIFAwww.naifa.org

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• Variety of health plans for individuals, families and small businesses that deliver the affordability, stability, and control clients need.

• Cross-selling opportunities with life, dental, and senior plans through BlueCrossoranaffiliateandworkers' comp through Fremont Compensation Insurance Group.

• Competitive commissions, plus incentives and bonus programs

• Free training, seminars, CD ROM and agent website

• Local Regional Sales Manager support

• AgentMarketingAssistanceProgram (co-op advertising)

Call today at (805) 461-1616for more information about joining our team.



Blue Cross of California...Helping you grow your business.

Kip MeredithRegional Sales Manager

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U. S. Senator Barbara Boxer501 I Street, Suite 7-600Sacramento, CA 95814(916) 448-2787Email: contact available through website

U. S. Senator Diane FeinsteinOne Post StreetSuite 2450San Francisco, CA 94104(415) 393-0707Email: contact available through website

STATEANDNATIONALLEGISLATORSINSURANCE COMMISSIONER

John GaramendiCalifornia Department of InsuranceConsumer Communications Bureau300 S. Spring Street, South Tower

Los Angeles, CA 90013800-927-4357

Website: www.insurance.ca.gov/

State Assembly

Sam Blakeslee1104 Palm StreetSan Luis Obispo, CA 93401(805) [email protected]

Pedro Nava101 West Anapuma Street, Suite ASanta Barbara, CA 93101(805) 564-1649Email: contact available through website

33rd DistrictState Capitol, Room 5126Sacramento, CA 95814(916) 319-2033http://republican.assembly.ca.gov/members

35th DistrictState Capitol, Room 4010Sacramento, CA 94149-0035(916) 319-2035http://democrats.assembly.ca.gov/members/a35/

State Senate

Abel Maldonado1356 Marsh StreetSan Luis Obispo, CA 93401(805) 549-3784Email: contact available through website

Tom McClintock223 E. Thousand Oaks Blvd., Ste. 400Thousand Oaks, CA 91360(805) 494-8808Email: contact available on website

15th DistrictState Capitol, Room 4082Sacramento, CA 95814(916) 651-4015http://republican.sen.ca.gov/web/15/

19th DistrictState Capitol, Room 3070Sacramento, CA 95814(916) 651-4019http://republican.sen.ca.gov/web/mcclintock/

United States House of Representatives

Lois Capps1411 Marsh StreetSan Luis Obispo, CA 93401(805) 546-8348Email: contact available through website

Bill Thomas5805 Capistrano Ave. Suite CAtascadero, CA 93422(805) 461-1034Email: contact available through website

23rd District1707 Longworth House Office BuildingWashington, D.C. 20515(202) 225-3601www.house.gov/capps

22nd District2208 RayburnWashington D.C. 20515(202) 225-8798http://billthomas.house.gov/

United States Senate

112 Hart Senate Office BuildingU.S. SenateWashington, D.C. 20510(202) 224-3553http://boxer.senate.gov/

Hart Senate Office BuildingRoom 331Washington, D.C. 20510(202) 224-3841http://feinstein.senate.gov/

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MARK YOUR CALENDARS WITHTHESE IMPORTANT DATES:



NAIFA-Central Coast

Reserveyourspaceonlineatwww.naifacc.org

RESERVATIONS MANDATORY.....

June 5 ......................................... Board Meeting

June 28 ................................... General Meeting Induction of new officers

June 14 .......................... North ALC Conference Sacramento

June 15 ..........................South ALC Conference Ontario

P. O. Box 2506Pismo Beach, CA 93448-2506

~ CE Class 10:00 AM ~

REMINDER: Lunches are $15 and • LUPOT is $5 for 6 tickets.

.PLEASE RSVP...If you do RSVP and cannot attend,

we will need to collect $15 from you! .The restaurant still bills us for your lunch.

Instructor: Stephanie Kulle, Regional Director, John Hancock Life Woodland Hills, CA

Topic: Three fast simple concepts to increasing your life insurance sales in 2007

Stephanie started her career in the life insurance industry in 1991 as a brokerage manager with Pacific Life in downtown Los Angeles. In her 14 year career with them she was responsible for territories in Southern California, New York City, and Dallas, TX. She made a career change to John Hancock in January of 2006. The change was motivated by superior products, underwriting and retention. Her strengths of knowledge are in the estate planning and business insurance markets. She has worked with hundreds of insurance advisors over the last 16 years helping to grow their business.

national association of insurance and financial advisors ...209.61.156.20/050644/june proof.pdf ·...

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