NATIONAL ASSOCIATION OF INSURANCE & FINANCIAL ADVISORS

NAIFA NEBRASKA HEARTLAND

Advocate, Educate, Legislate & Motivate

The President’s Message

Board of Directors

Dave Skutnik, President

Jeb Brant, Past President

Matt Green, President

Elect

Kristy Cavanaugh,

Secretary/Treasurer

Anita Speece, National

Committeewoman

Ty Benton

JJ Green

Michael Hutchinson

Tom Reisdorph

Patti Wissing

Dan Yost

Inside this issue:

President’s Message Continued 2

Birthdays/Anniversaries 3

Calendar of Events 4

Legislative Update 5

Photos from 2-21-14 meeting

6

In the News 7

In the News 8

Code of Ethics 9

Vision & Mission Statement 10

Membership 11

IFAPAC Contribution Form 12

Forum Registration Form

Page 1

13

Forum Registration Form

Page 2

14

Legislative Conference

Registration Form

15

Corporate Sponsors 16

Board of Directors 17

Dave Skutnik, President

This month it’s not all about the money. Oh, there was money to be

made at the joint meeting in Alda. The CE conversation and handouts

provided by Rick Cordaro were loaded with ideas. So was the

“Inherited” IRA Distribution Flow Chart from attorney Dan Bahensky. A

special thank you goes to JJ Green for his Affordable Health Care Act

presentation. And besides all that the food was good and the company

was great! Thanks to all that attended.

This month it’s about recognition to our chapter members! JJ Green

was present for the surprise announcement that he was awarded the

2013 NE NAIFA Distinguished Service Award! Well Deserved

Congratulations JJ!

Matt Green was also honored as the 2013 Gene and Shirley Aabel

Award recipient. Congratulations Matt! Our chapter has a long history

of engaged, awarded individuals and JJ Green and Matt Green are our

most recent examples.

This month it’s about our commitment to our business. Each of us

runs a business. Our business runs better when there are advocates

working hard to make sure our interests and more importantly, the

interests of our clients are heard. You may have received a phone

call, voicemail or message from an advocate in our chapter. The

dedicated NAIFA member calling you is asking you to start, continue

or increase your support to IFAPAC. There are many compelling

reasons to give. Please give.

The President’s Message Continued

Dave Skutnik, President

Outside of our chapter, a well known state senator and advocate of our

business is asking for your support. If you have not made your

decision, consider supporting State Senator Tom Carlson for

Governor. “He is one of us” is what I have heard at NAIFA meetings

across the state.

Finally, an unsolicited note was sent to me from Fran Crowe CLU, a

retiring 39 year NAIFA veteran . . . “I joined NAIFA in 1974 and have

been a member since until December 2013; it wasn’t too long after I

started contributing to LUPAC(IFAPAC) and did so until 12/2013.

Even though I sold life insurance for a multi-line company, my first

manager expressed how important it was to truly believe in the life

products we sold and that we should belong to our life association as a

true professional sales rep. Even though I wasn’t super active in the

association (due to distance) I have always believed in the importance

of belonging. The camaraderie of the members has been super and

the magazine (Advisor) has been chock full of great sales ideas.”

“You can be proud of this association as it is one of the best in the

country – the leadership has been outstanding and the programs have

been outstanding as well! I regret missing many of them.”

“If any of my thoughts were important, the best advice I could give

would be to the new members, especially those who are strictly life

and health sales people. When you earn your bread and butter in life

and health sales you should be obligated to belong to your

professional association. There are far too many agents that don’t

belong to NAIFA that are riding your coat-tails reaping the benefits.

Your dues may be $500-600 per year, but it may be the best money

you can spend when it comes to sharing with your fellow agents and

developing a ton of sales ideas. I was always proud to carry my

NAIFA dues card in my wallet and could always show it if a prospect

asked if I belonged to my professional association. It may be the one

thing that makes a sale for you. Be a Professional and continue to

work on LUTC, CLU and related studies. It will put you head and

shoulders above the competition and your paychecks will be greater,

too!” Heartland NAIFA thanks you for your support Fran.

MILESTONES

HAPPY APRIL BIRTHDAYS

Page 3

Jamie and Todd Cole 4-8

Rod and Kim Hunt 4-15

Kyle and Holly Sawyers 4-21

HAPPY APRIL ANNIVERSARIES

Kim Ryan (Steve’s wife) 4-4

Terry Regan 4-6

Elaine Steinbeck (Ken’s wife) 4-6

Jon Smith 4-9

Theresa Rust (Stacey’s wife) 4-11

Duane Biede 4-13

Julie Rhodes (Randy’s wife) 4-18

Matt Green 4-28

Charla Brant (Jeb’s wife) 4-29

HEARTLAND NAIFA 2013-2014 MEETING CALENDAR

3-18-14 Legislative Day in Lincoln

3-27/28-14 Joint NAIFA/NAHU Forum—Ramada Plaza (3321 S. 72nd St. Omaha, NE 68124)

This is a change from the usual May date!! The forum steering committee wanted to move the Forum from May to earlier in the year and the Ramada had these dates available.

4-25-14 Annual Awards Luncheon at Riverside Country Club in Grand Island

5-14-14 Continuing Education at College Park—This is a change from the usual March date!! (3 hours Ethics, Nick DeSon from CalSurance and 3 hours Charitable Giving from Jim Gustafson at the Nebraska Community Foundation.)

We sincerely hope all of you will attend as

many meetings as possible. We will strive to

have the best meetings and speakers

possible.

Page 3

LEGISLATIVE UPDATE

Page 5

JJ Green

N E W S R E L E A S E

Contact: James Lee, AALU, 703-641-8128, Lee@aalu.org Jack Dolan, ACLI, 202-624-2418, Jack-

Dolan@acli.com Brendan Gleason, GAMA, 703-344-3688, BGleason@gamaweb.com

Sheila Owens, NAIFA, 703-770-8112, sowens@naifa.org Susan Klemmer, NAILBA ,

703-383-3081, sklemmer@nailba.org

LIFE INSURANCE INDUSTRY REACTS TO CHAIRMAN CAMP’S

DRAFT TAX REFORM PROPOSAL

Washington, D.C. (February 27, 2014) – The life insurance industry recognizes the

efforts of House Ways & Means Committee Chairman David Camp and his entire tax-writing

panel to update the nation’s tax code.

But life insurance companies, agents and brokers are greatly concerned over the

effect the chairman’s proposal would have, if implemented, on the 75 million American

families and thousands of businesses that rely on the industry for help in responsibly

managing risks and planning for their financial futures.

One provision, on company-owned life insurance (COLI), would impose new taxes

on life insurance used by businesses small and large. Many businesses use COLI to protect

against financial risk or job loss stemming from the death of owners or key employees. COLI

also is a widely-used funding mechanism for employee and retiree benefits. Congress af-

firmed the benefits and tax treatment of COLI and assured its responsible use in bipartisan

legislation enacted in 2006.

The industry also is concerned about a whole new series of tax increases on life

insurance companies that would, if adopted, make industry products such as life insurance

and annuities less affordable. In the aftermath of the financial crisis, and with people living

longer than ever before, the guarantees offered by the industry are more important than

ever. Proposals to make industry products less accessible make no sense.

In addition, the industry is concerned with the chairman’s proposal to impose new

taxes on retirement savings and change contribution limits and distribution rules that would

create significant impediments to Americans’ much-needed retirement readiness efforts.

The House Ways & Means Committee – indeed, all of Congress -- should focus on

expanding opportunities for individuals to save for their retirement and employers to

voluntarily offer workplace retirement plans.

Life insurance companies, agents and brokers look forward to working with the

chairman and his entire committee to explain how industry products, services and financial

advice benefit 75 million American families and thousands of businesses across the

country.

###

Pictures from our 2-21-14 General Membership Meeting Page 6

Rick Cordaro from Principal Financial Group provides 2 hours of Continuing Education

Attorney, Dan Bahensky discusses Estate

Planning

Lisa Skinner from Brokerage Services, Inc., presents

Matt Green with his 2013 Gene and Shirley Aabel

Award

JJ Green discusses highlights and lowlights of

the Affordable Healthcare Act.

IN THE NEWS Page 7

CONGRATULATIONS TO JJ GREEN FOR WINNING THE

DISTINGUISHED SERVICE AWARD!

Bryan Holen congratulates JJ Green for being the

Distinguished Service Award recipient

Just look at this impressive list of JJ’s accomplishments. Our chapter is very proud of

you JJ. Congratulations!

JJ joined NAIFA in 1978

LOCAL POSITIONS: STATE POSITIONS:

1982 Program Chair 85-86 Membership 83-84 President 86-88 Regional Vice President 84-87 State and Federal Legislation 88-89 Secretary/Treasurer 89-90 Legislation 88-89 Bylaws/Resolutions 90-91 Federal Legislation 89-90 Vice President 97-98 Program Chair 90-91 President Elect 05-06 PIC Chair 91-92 President 05-09 PAC Chair 92-93 Immediate Past President 11-14 Heartland Board 92-93 Bylaws/Resollutions 12-14 Health Chair 2006 PIC Chair 12-14 Government Relations Chair 2013 Health Chair STATE PAC BOARD—97-03

STATE FOUNDATION BOARD

IN THE NEWS Page 8

CONGRATULATIONS TO KRISTY CAVANAUGH

ON BEING NOMINATED AS A “WOMAN OF

COURAGE” FOR THE YWCA WOMAN OF

DISTINCTION BANQUET!

CODE OF ETHICS

Page 9

PREAMBLE: Helping my clients protect their assets and establish financial security, independence and eco-nomic freedom for themselves and those they care about is a noble endeavor and deserves my promise to support high standards of integrity, trust and profes-sionalism throughout my career as an insurance and financial professional. With these principles as a foun-dation, I freely accept the following obligations:

To help maintain my clients’ confidences and pro-tect their right to privacy. To work diligently to satisfy the needs of my clients. To present, accurately and honestly, all facts essen-tial to my clients’ financial decisions. To render timely and proper service to my clients and ultimately their beneficiaries. To continually enhance professionalism by develop-ing my skills and increasing my knowledge through ed-ucation. To obey the letter and spirit of all laws and regula-tions which govern my profession. To conduct all business dealings in a manner which would reflect favorably on NAIFA and my profession. To cooperate with others whose services best pro-mote the interests of my clients. To protect the financial interests of my clients, their financial products and my profession, through political advocacy.

The Vision and Mission of NAIFA

Page 8

Vision Statement:

The National Association of Insurance and

Financial Advisors protects and promotes the

critical role of insurance in a sound financial plan

and the essential role provided by our professional

agents and advisors.

Mission Statement:

The mission of the National Association of

Insurance and Financial Advisors is to advocate for

a positive legislative and regulatory environment,

enhance business and professional skills, and

promote the ethical conduct of our members.

HEARTLAND NAIFA MEMBERS

Page 11

Todd Anania, Kevin Armstrong, Ginger Arvizo, Judy Barnes,

Ty Benton, Duane Biede, Paul Bowman, Jeb Brant,

Brad Carlson, Barry Carlson, Nate Casey, Kristy Cavanaugh,

Vincent Christensen, Jamie Cole, Clancy Cunningham, Kent Daws,

Martin Demuth, Dick Evers, Mike Fergen, Matt Geiser,

Sean Gellatly, J.J. Green, Matt Green, Monte Hack,

Shannon Hannappel, John Haynes, Steve Heath, Paul Hoos,

Loren Huber, Rodney Hunt, Lisa Huismann, Michael Hutchinson,

Jeremy Jensen, Kris Jerke, Holly Johnson, Steve Johnson,

Rocky Kershaw, Kent Koch, Cheryl Kosmicki, Jerry Kuhlmann,

Tony Larsen, Cory Lenners, Craig Marmie, Erin Marick,

Dennis McCarty, Joshua Meier, Julie Meier, James Meyer,

Lee Mohr, Thomas Mortimer, Scott Norlen, Tim O’Connor,

John Posey, Terry Regan, Tom Reisdorph, Randy Rhodes,

Joni Rodabaugh, Stacey Rust, Steve Ryan, Bill Sabatka,

Melisa Salter, Greg Sanchez, Mary Santin, Kay Sawyer,

Kyle Sawyers, Larry Schanaman, Laura Schneider,

Adam Schwoerer, Ronald Shullaw, Allen Sjuts, Dave Skutnik,

Jon Smith, Don South, Anita Speece, Randy Spiehs,

Ken Steinbeck, Tom Strand, Jeffrey Swanson, Mike Theis,

Jeff Vinson, Diane Volden, Crystal Wall, Sydney Widga,

Patti Wissing, Denise Wray, Dan Yost, Denise Zabka.

IFAPAC contributor names are in blue

87

MEMBERS

STRONG

Three Easy Ways to Contribute to IFAPAC

Name ____________________________________________ __________NAIFA Member # __________________

Company _______________________________________________________________________________________

Address _________________________________________________________________________________________

City _____________________________________________State ___________________ Zip ___________________

❏❏ I would like to make my contribution in one annual amount:

❏❏ Enclosed is my personal check for $_______________

❏❏ Please charge my personal (circle one) q Visa q MasterCard q American Express q Discover

Account # _________________________________________ Exp. Date _______________ Security Code __________

For a single, annual amount $ ________________ Signature ___________________________________________________ (PLEASE NOTE: WE CANNOT CHARGE CREDIT CARDS MONTHLY)

MONTHLY BANK DRAFT AUTHORIZATION

❏❏ I currently give on bank draft at $_________ a month. Please increase my monthly contribution to $_________ per

month. Signature_______________________________________________________________________________________

❏❏ I would like to enroll in the monthly bank draft plan. Enclosed is my check for the first month’s payment. I have

completed the information requested below.

I hereby authorize IFAPAC to withdraw from my account the amount specified below every month. This authorization will remain in effect until re-

voked by me in writing and, until IFAPAC receives such notice, I agree that IFAPAC shall be fully protected in honoring such withdrawals. In consider-ation of IFAPAC’s compliance with such request and authorization, I agree that IFAPAC’s treatment of each such check and IFAPAC’s rights in re-spect to it, shall be the same as if it were signed personally by me and that if any such check be dishonored, IFAPAC shall be under no liability whatso-

ever even though such dishonor results in the forfeiture of IFAPAC membership.

WHEN SIGNING UP FOR BANK DRAFT, REMEMBER TO ENCLOSE A VOIDED CHECK

Name of depositor as shown on bank records

_________________________________________________________________________

Account number _________________________ Routing number ________________________________________

Name of bank and address of bank branch where account is maintained ____________________________________

4. Amount of draft per month $ ___________________________________

5. Signature of depositor (s) as shown on bank records: __________________________________________ Date

_________________(if joint) ______________________________________________________________________________

Return form & contributions (or voided check) to: IFAPAC; 2901 Telestar Court; Falls Church, VA 22042-1205 or

fax bank draft application with voided check or credit card contribution to 703-770-8151. Contribute online at

www.naifa.org/ifapac.

Contributions to IFAPAC are voluntary and contributed to candidates for elective office. Your contributions will be divided between your state association IFAPAC and IFAPAC National, if you have directed NAIFA to do so (see reverse side). You can contribute more or less than the suggested amount. The amount contributed will not benefit or disadvantage you in any way. You have the right to refuse to contribute without reprisal. Corporate contributions to IFAPAC’s political fund are prohibited. Contributions to IFAPAC are not deductible for federal income

tax purposes.

CLUB TYPE ANNUAL CONTRIBUTION MONTHLY BANK DRAFT

Capitol $5,000 $416.00/month

Emissary $2,500 to $4,999 $210.00/month

Diplomat $1,000 to $2,499 $84.00/month

Envoy $500 to $999 $42.00/month

Statesman $300 to $499 $25.00/month

Ambassador $200 to $299 $17.00/month

Century $100 to $199 $8.50/month

Investor $50 to $99 $5.00/month (minimum for bank draft)

THANK YOU TO OUR CORPORATE SPONSORS

Click on the logo to access the sponsor’s web page

Page 16

Brokerage Services Inc. Transamerica

YOUR 2013-2014 BOARD OF DIRECTORS

Page 17

Anita Speece, National Ty Benton, Board Director JJ Green, Board Director Michael Hutchinson,

Committeewoman Board Director

Tom Reisdorph, Board Patti Wissing, Board Director Dan Yost, Board Director Diane Volden, Executive

Director Director

Dave Skutnik, President Jeb Brant, Past President Matt Green, President Elect Kristy Cavanaugh, Secretary/

Treasurer