NAIFA-Jacksonville Jax Advisors Online: October 2009
- - - - - - - -
- - - - - - - -

Joseph J. Maltese, CFP, ChFC, CLU, LUTCFMessage From the President
Joseph J. Maltese, CFP®, ChFC, CLU, LUTCF

School’s in, Congress is in session, and the holidays are just around the corner. The fall is a very busy time for most of us and we sometimes forget the importance of safeguarding our industry; the financial services industry.

One of NAIFA’s most important functions is that of advocate for our members and our industry. Now, more than at probably any other time in our nation’s history, that advocacy is vital in light of the political and economic trials and tribulations we are currently enduring.

According to the Congressional Budget Office, the Senate Health Care bill will cost $829 billion over the next 10 years.Healthcare and health insurance is at the center of more than one debate. Why? According to the Congressional Budget Office, the Senate Health Care bill will cost $829 billion over the next 10 years. That assumes that we control the cost escalation of healthcare through better efficiencies, move forward with tort reform, etc. Many legislators feel that health insurance would cover more people and cost less if the government ran it and health insurance agents were, for the most part, eliminated. If you don’t support this belief, your legislators need to know.

Closer to home here in Florida, there is the homeowners’ insurance debacle, the sales tax exemption for agents, health insurance for all, and the list goes on.

NAIFA is on guard protecting our livelihoods and our products from the ravages of ill-conceived and harmful legislation. NAIFA does this through our members writing to legislators, lobbying through our staffs at the state and the national levels, and by having our members present at the state houses and the Capital in Washington.
None of these efforts would be successful without the large membership behind our voice, and the monetary contributions to help elect policy makers friendly to our causes.

Throughout the next few months, it is imperative that you contribute dollars and time to the Insurance and Financial Advisors Political Action Committee (IFAPAC) and the Insurance and Financial Advisors Political Involvement Committee (IFAPIC). Our chairman and staff will be contacting you directly for information on policy makers with which you have relationships that we can have you go to when critical issues are moving through the legislature. (PIC). Additionally, we will be asking for your help with monetary contributions to our lobbying efforts. (PAC) Currently, a rather small percentage are “paying the freight” for these efforts but they cannot do it alone. We need everyone’s help if we are to be successful.

Thanks to the tireless efforts of your NAIFA-Jacksonville board and committee members, our 2009-2010 year is off to a great start.Thanks to the tireless efforts of your NAIFA-Jacksonville board and committee members, our 2009-2010 year is off to a great start. They need your support. The golf committee is in full swing (no pun intended) putting together what promises to be the best tournament yet. They still need foursomes, silent auction items, and hole sponsors. The membership committee is diligently working to increase our membership and to help those with renewals approaching through the renewal process. Our 40-hour course committee continues to offer excellent instruction to those new to our business. Our PIC and PAC committee are geared up for another round of assaults on our industry and our livelihood. Our first meeting was well attended and our guest speakers were awesome thanks to our meetings and speakers folks. Thanks to all and the entire board for all the “little things” they volunteer to do on a day-to-day basis.

I will close by asking each of you to help us increase our membership and our voice by bringing in new members and contributing to our PAC, and invite you all to our October 28th luncheon and our October Day of CE.

Be better today than you were yesterday… but not as good as you will be tomorrow.

- - - - - - - - - - -

We have a new e-mail address!
Please add or to your Contacts list and update your spam filters to allow us to deliver the latest NAIFA-Jacksonville news and events! For more information, contact the Association office at (904) 695-2300.

Please keep us up to date with your contact information!Please keep us up to date with your contact information!
To update your membership information with NAIFA, please visit the following link:

- - - - - - - -

NAIFA-Jacksonville Annual Legislative Luncheon & Program
Wednesday, October 28, 2009
Craig DuncanUniversity Club, 11:15 a.m. - 1:15 p.m..
1301 Riverplace Boulevard, 27th Floor (Wachovia Building Downtown).
Registration and Check-In, 11:15 a.m.; Buffet Lunch, 11:30 a.m..

Our guest speaker will be Craig Duncan, a State Farm agent in Clearwater since 1987. Craig is the NAIFA-Florida Government Relations Chair and APIC Chairman, and also serves as the Director on the Committee of Florida Agents in addition to the Hurricane Solutions Coalition. He was a member of the Citizen’s Property Insurance Task Force in 2004-2005 and testified on several occasions before House and Senate committees.

Craig has a BA in accounting and Finance from the University of West Florida and his hobbies include, aviation, hunting, sporting clays and fine, hand-rolled cigars!

During the “2009 Regulatory Update” presentation, attendees will receive one hour of CE credit.

The cost for members is $20.00, but if reservations are made by 12:00 Noon on Friday, October 23rd, the cost is only $15.00!


E&O: Protect Yourself From Disaster - Click HERE to Register!Followed by a special 3-Hour CE program from 1:30 to 4:30 p.m.
“E&O: Protect Yourself From Disaster!”

Registrations for this special October 28th C.E. Seminar must be made separate
from our Membership Luncheon Meeting! Click HERE for a Registration Form!

When things go wrong, lawsuits happen. One of the most frightening experiences an insurance or financial advisor can have is an error and omissions lawsuit. New and seasoned agents alike are at risk as all agents need to understand the legal pitfalls of insurance sales. This fascinating 3-hour CE class to help advisors and managers understand the legal pitfalls of insurance sales and what steps to take to avoid lawsuits.

Early registration deadline to save $10.00 is Wednesday, October 21st, so register now! Click HERE for complete details, or click HERE for a Registraton Form.

NAIFA members who utilize the NAIFA-endorsed E&O program can also receive discounts on their annual premium for attending this CE course.


If you experience problems with registering or have questions, please contact the Association office at

- - - - - - - - - - -

NAIFA-Jacksonville Presents A Day of CE!NAIFA-Jacksonville Presents A Day of CE!
Thursday, October 29, 2009

Depend on NAIFA-Jacksonville to bring you Continuing Education to keep you in Compliance!

Register today for a full day of C.E. at the Ramada Inn Mandarin! The day will feature the DFS-required course, “Annuities for Seniors: Passing the Test - Legal and Ethical”. This 3-hour Florida DFS-Approved CE is from 8:30 - 11:30 a.m. Click HERE for complete details and registration form.

The 4-Hour Florida DFS-Approved CE, “Long Term Care NAIC Ongoing Training” will be presented in the afternoon from 1:00 - 5:00 p.m. Click HERE for complete details and registration form.

- - - - - - - - - - -

NAIFA-Jacksonville 8th Annual Golf Tournament
Make plans to join us at The Golf Club at South Hampton!

NAIFA-Jacksonville 8th Annual Golf Tournament: Monday, November 2, 2009 - Click HERE for complete details and Registration FormClick HERE for complete details, or click HERE for the Registration Form!
For more information, contact or any of our Golf Committee members for more details:.
- Chris Harclerode, 904-296-4100 x143.
- Chris Veenstra, 904-797-3091
- Margie Harner, 904-296-2500
- Cindi Cook, 904-737-1167
- Alicia Burst, 904-332-8100
- Bobby Markwalter, 904-296-1944
- Cherri Coombs-Ohmer, 904-695-2300

- - - - - - - - - - -

Click HERE for the latest headlines from the National Association of Insurance and Financial Advisors

NAIFA-Jacksonville 40-Hour Prelicensing Course

- - - - - - - - - - -

IFAPACPlease Consider a Contribution to YOUR Political Action Committee!
For more information about IFAPAC and to make contributions securely online, please click HERE. To download a printable IFAPAC contribution form in PDF format, please click HERE.

Thank You to NAIFA-Jacksonville's 2009 IFAPAC Contributors!

Denny Axman
Baker Brooks, Jr.
Alicia Burst
Paul Cummins
Margie Harner
Garland Hudson
Maureen Kirschhofer
Joe Maltese
Emmett Mankin
Bobby Markwalter
Joe McGhee
Clay McRae
Van Mullinax
Chuck Perrone, Jr.      
Harry Pierce, Jr.
Michael Saunders
Michael Schlueter
M.W. St. Jean
Jeffrey Tabor
Robert Tison
Christopher Veenstra
Tim Von Ebers
Gary Webster
Robert Zeiner

- - - - - - - -

Mike JorgensenAn Elder Law Attorney Is One Resource To Assist your Clients with Transitional Planning
By Mike Jorgensen

Eldercare providers and advisers who deal with the public know from experience that the need for long term care can often arise without warning. In many cases, desperate caregivers are frantically trying to find services, advice or care funding sources to help their loved ones with unexpected long term care needs. This sudden need for help often occurs when the loved one needing care has recently demonstrated unsafe behavior, or there has been an injury or sudden illness or there is a pending release from nursing home rehab or the current caregiver can no longer cope. Help must be found right now.

Unfortunately, many of these caregivers, who are typically operating in crisis mode, don't know where to turn for help. It's not that there aren't advisory services out there to help them, it's just that the caregivers often don't know where to find these services. For the most part, those who face the potentially catastrophic financial and emotional impact of long term nursing home care have been abandoned by society's safety net and professional counselors.

Elder law attorneys focus not only on the tax planning aspects, but more importantly, in the transitional aging aspectsMany people turn to attorneys to learn where resources may be found, but even most attorneys are at a loss when it comes to transitions into aging and long term care. Fewer than 5% of the population require “tax planning,” but that is what most estate planning attorneys have been trained to do. Elder law attorneys focus not only on the tax planning aspects, but more importantly, in the transitional aging aspects, such as a) positioning assets to assist the client with becoming eligible for governmental benefits; b) Medicaid planning and application; c) preparing durable powers of attorney, health care surrogates, living wills, mental health directives and pre-need guardianships; d) estate planning; f) probates; and g) preparing special needs trusts, including qualified income trusts, third party trusts and pooled trusts.

Sometimes, the client faces significant planning issues where one of the spouses may require institutional care. The client may not know where to place the loved one, or what programs are available to assist them. ElderSource is the government’s “Northeast Florida Area Agency on Aging.” The Area Agencies on Aging are responsible for obtaining the State and Federal monies allocated for elderly programs and providing funding for care providers. ElderSource has an Elder Helpline (1-904-391-6699 or toll-free 1-888-242-4464), which is one place to start to obtain information that may be otherwise difficult to obtain.

The Area Agencies on Aging also try to educate the public by typically reaching out to caregivers through referrals from hospitals, discharge workers, doctors, home health agencies and nursing homes. Caregivers seeking help outside of this referral network generally aren't aware of government advisory services. In the private sector, help with caregiving issues is generally provided when a caregiver calls a specific agency, nonprofit organization or an advisor. There is no nationwide, private sector one-stop shopping source of help for all the types of care provider services that are available in the community.

Elder law attorneys are also a valuable resource in finding information that may educate the client as to what resources may be available, with planning to avoid costly and defeating guardianships and probates, and with establishing networks of services to assist the fragile. The attorneys may direct the client where to look for additional services, or in the client’s preparation of directives. Many elder law attorneys offer free consultations to assist the client with having important information necessary so that the client and the social worker may make wiser decisions.

Mr. Jorgensen is the managing partner of Senior Counsel, Attorneys at Law, PA. located in the Historic 5 Points area in Jacksonville. He was the guest speaker at NAIFA-Jacksonville’s September Membership Luncheon Meeting. Click HERE for more information.

- - - - - - - -


With more than 58,000 members, NAIFA is the largest financial services membership association in the United States. NAIFA is a federation of 700 state and local association all striving for the same common goal: to protect your livelihood and your clients' financial security. To join or renew securely online, please visit, or click HERE to download a PDF of the Membership Application.

Don’t forget to check out the many Benefits you have by being a member of NAIFA! Click HERE to visit the Member Benefits section on NAIFA's website and see why It's Smart to Belong!

- - - - - - - -

Young Advisors TeamNAIFA-Jacksonville YAT News
Plans are in the works for a NAIFA-Jacksonville Young Advisors Team event. Please check our website and your e-mail for the latest updates. For more information, contact NAIFA-Jacksonville YAT Chair Jason Borek at 904-296-4100 or For a listing of special benefits for NAIFA's Young Advisor Team members, please visit

- - - - - - - -

Leadership In Life InsitituteLeadership In Life Institute (LILI)
Courses Beginning January 2010

Schedule:  The NAIFA-Florida's LILI classes will meet once a month, probably on the last Friday of each month, for 6 months beginning in January 2010 in Ocala. Graduation ceremonies will be conducted at the 78th Annual FAIFA Career Advancement Conference which will be held July 2010 at the Sheraton Sand Key Resort in Clearwater.

The 2011 LILI Institute will be held Tallahassee and our 2012 Institute will be held in Miami or Ft. Lauderdale.

Tuition: Tuition is $775 and includes all course materials and lunch at each session. Travel, hotel accommodations and other meals are the candidate’s responsibility.

Application Deadline: The deadline for applications is July 31, 2009

Click HERE to download and print out an application. Please mail all applications to NAIFA-Florida, 1836 Hermitage Blvd, Ste 200, Tallahassee, FL 32308.

If you need additional information or have questions about LILI or the class, please contact our LILI Chair, Steve Saladino, at (800) 431-2687 or send Steve an email to

- - - - - - - -


APPS Para Medical Services



Jervey and Company Inc.

Have You Seen Our Website Lately?HAVE YOU SEEN OUR WEBSITE LATELY?

If you would like to sponsor our webpage, please contact Cherri M. Coombs-Ohmer, LUTCF at our Association office by calling (904) 695-2300 or e-mail


- - - - - - - -


Your Comments and Feedback are Welcome and Appreciated!Our new official e-newsletter, Jax Advisors Online, is an evolving work in progress and your feedback is important to us! Please send your opinions and comments to Cherri Coombs-Ohmer, LUTCF by e-mailing or by calling the Association office at (904) 695-2300.

SEPTEMBER 2009  •  SUMMER 2009  •  JUNE 2009  •  MAY 2009  •  APRIL 2009  •  MARCH 2009.

- - - - - - - -

For the latest NAIFA-Jacksonville news and events, please visit our website at, or contact Association Executive Cherri Coombs-Ohmer, LUTCF:

National Association of Insurance and Financial Advisors - Jacksonville
P.O. Box 37028, Jacksonville, FL 32236
Phone (904) 695-2300 • Fax (904) 783-6857