Next Meeting - Tuesday, February 22nd, Olin Ragsdale to Receive 2011 Career Service Award

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1 ` Next Meeting - Tuesday, February 22nd, 2011 Luncheon 11:15am 1:00pm CLICK HERE TO REGISTER ONLINE FOR THIS MONTH S LUNCHEON Olin Ragsdale to Receive 2011 Career Service Award Olin Ragsdale, CLU, AEP, BCE, LUTCF, will receive this year s NAIFA-Fort Worth Career Service Award at the February 22 nd luncheon at Ridglea Country Club. He is being honored for his service to the financial services industry and to his community. Olin Ragsdale hails from the Rising Star of the Metroplex, Roanoke, Texas, where his family is listed among the original settlers. He lived in Roanoke until he was drafted and served two years in the U.S. Army. When he returned, he married his high school sweetheart, Barbara Baltzelle, and they had two daughters Ami, who passed away at the age of 17, and Shelli, who is an attorney specializing in Estate Planning. Soon after his marriage, Olin entered the insurance business and achieved early success by qualifying for the Million Dollar Roundtable and for other industry awards. He began his career by cold calling on lawyers and developing his career in estate planning. He credits his success in this market to the good training he received at Mass Mutual and, in particular, the assistance he received from the general agent, Cary Parks, CLU. Olin has a great love of learning, as represented by his many designations. He received the CLU designation in 2003, the AEP (Accredited Estate Planner) designation from the National Association of Estate Planners and, most recently, the BCE (Board Certified in Estate Planning) designation from the Institute of Business and Finance. Less than 1% of estate planners hold this prestigious designation. Olin has given service to the industry as Community Service Chair and by moderating classes in the Foundations of Estate Planning in the LUTC Curriculum. Currently, he is the president-elect of the Tarrant County Chapter of the Society of Financial Service Professionals. As program chairman of this organization, he is proud to announce a special program sponsored by the Society and the Tarrant County Bar Association entitled, Back to the Future: Estate Tax Avoidance Planning, to be held on February 16 th. Olin s community service work is just as extensive as his service to the industry. When asked of what he was most proud, he replied that his work with Big Brothers was outstanding. He brought the alliance with Big Brothers to FWALU (NAIFA-Fort Worth) when he was 25 years old. Ten years later, he was honored for his ten years of service as a Big Brother. Olin also served on the board of directors for Big Brothers for 5 years, and was the director of the Fort Worth Soap Box Derby. In addition, he has served as a coach in many YMCA programs, and has taught Sunday school and served as an assistant youth director in his church for twenty years. Olin also helped with karate instruction for YES (Youth Enrichment Skills), a program founded by Richard Morris to encourage gang members to take their lives in a new direction. Olin is well known for his mentoring spirit, whether it be a young child in need of guidance or a young agent in need of assistance. Olin Ragsdale is a family man who brags about continuing to take his beautiful wife, Barbara, on dates, and who bursts with pride in his daughter, Shelli, her husband, Ben Harveson, and his two grandchildren, Eden and Henry. Olin is an Investment Advisor Representative with Signal Securities, Inc.

2 President s Letter Timothy Roels, Jr. Dear Fellow Member, NAIFA-Fort Worth would like to THANK YOU for your continued support. While you are reading this letter, there is a group of members representing you down in Austin, TX at the capital. Today is our Legislative Day on the hill. Members will be meeting with our local representatives and speaking to them about hot topic issues such as health care reform, why the agent plays an important role, and protecting the tax advantages of life and annuity contracts. Legislative Day is an eye opening experience every member should do at least once. Remember this opportunity only presents itself every other year. I would like to encourage you to make NAIFA part of your business plan this year if you haven t already. While we appreciate your financial support, make sure you take advantage of the luncheons, sponsor s sales ideas and product information, Continued Education (15 hours every year), website, member discounts, YAT, and community service projects. I would also challenge you to join a committee, even if you have served on the board in the past or are a past president. Your knowledge is needed and wanted by the new members. Please contact a board member or me if you would like to learn more. Two events I want to make sure get on your calendar are the golf tournament on April 20 th and the Career Awards Luncheon on May 24 th. Please review the calendar that is in the newsletter for luncheon dates. Tim Roels, Jr. NAIFA-Fort Worth President Help Shape Future NAIFA-Fort Worth Leadership We are in the process of selecting our future leaders for NAIFA-Fort Worth. Each year, our nominating committee meets in February to review the pool of nominees that applied or were nominated. The committee will present its recommendations to the board at the regular board meeting in February. The nominees selected by the committee shall be published in the newsletter and distributed to all active members at least (1) month prior to the annual meeting. It's not too late to apply or nominate someone by completing and submitting the form here. Feel free to call the NAIFA-Fort Worth office with questions or for more information. NAIFA-Fort Worth encourages you to participate in this process.

3 CLTC taught me how to take a product that my client didn t think he needed and turn it into a something he couldn t live without! The CLTC course will literally change every aspect of how you position long-term care insurance. Here s how: The Certified in Long - Term Care (CLTC) Master Class is coming to Texas! February 7 & 8, 2011 Northwestern Mutual 1300 Summit Ave; Suite 200 Fort Worth, TX Hours Day 1: 8:30am - 6pm & Day 2: 8:30am - 5pm Attire is business casual Instructor - Harley Gordon Tuition*$1165 (Retail price $1365) Advanced Early Registration Discount Reserve your seat by December 15 and delay your payments until January 2011 Pay $ pay tuition financing No additional charge Earn CE Credits CFP credits also available CLTC designation Awarded after passing exam It s not risk it s consequences: Instead of using the risk of needing care to motivate your client to buy LTCi, you learn how to use the consequences to his family s emotional, physical and financial wellbeing, if he did. It s not product it s planning: Rather than focus on how to sell LTCi, you are given the tools to create a plan that will allow him to remain in the community, while protecting his family. It s not asset protection it s income protection: You discover that LTCi doesn t protect assets - it protects retirement income by funding a plan for care. No more objections just agreement: Learn to eliminate objections to planning such as, I ll never need care ; I won t live a long life ; or I ve been told by my lawyer, CPA or fi nancial advisor that I can self-insure. I was never comfortable discussing LTC insurance before taking the CLTC course. Now it s exactly like selling life and disability income products - even annuities. An investment that pays for itself with one sale For questions or to register for a class call or Visit us on the web at *Tuition includes course material, CE & exam proctored by Prometric

4 CLTC Master Class Registration Form The Corporation for Long-Term Care Certification, Inc. 188 Needham Street, Suite 230 Newton, MA Phone (877) or (617) , Fax (617) Website Date: February 7 & 8, 2011 Location: Fort Worth, TX Class Hours: Day 1: 8:30am - 6pm Day 2: 8:30am - 5pm Dress code is business casual IMPORTANT: Incomplete or illegible information will delay CE processing. You must register a minimum of 45 days prior to the class to ensure receiving proper CE credits. Insurance and financial institutions generally recognize the CLTC designation. It is advised that you consult with your compliance department before using this or any other designation. Name Date Agency name Independent producer Career agent Primary mailing address (No PO boxes please) Name City State Zip Phone Cell Fax Required information to process your CE credits Social security # (CA, NY, IN residents only) Resident License State Resident Insurance license # Residence address National Producer (NP) # Find at: City State Zip Professional designation(s) CFP CLU ChFC CPA LUTCF CSA LTCP Other Primary specialty Promotional code (if any) CFP credits Pace credits (Add $25 if requested) CFP ID# Course Pricing All prices include a $70 fee for shipping, handling, CE filing and Prometric exam Master Class retail: $1365 Master Class retake: $495 Special promotion: $ Master Class w/ discount: $1165 Retake w/ NEW student referral: $295 NEW student name: Payment method: Check MasterCard Visa American Express Discover Tuition amount $ (if applicable) Add $25 for CFP/PACE credits $ Payment options: Single-pay 4-pay* TOTAL amount $ **4-pay option does NOT apply to Master Class retake tuition or if paying by check. By selecting 4-pay, you authorize CLTC to automatically charge the credit card listed below for 4-monthly payments, beginning on the date CLTC receives your registration form. Credit Card # Exp. date / CID # (3 or 4 digits on reverse side of card) Name of cardholder Billing address Cardholder s signature Date We reserve the right to demand payment of the balance due in full if we are unable to charge an installment against your account. If your card will expire during the installment period, we must have a new card number or expiration date at least 20 days prior to expiration, or we have the right to charge the outstanding balance to your account prior to the expiration date. Offer subject to change at any time without prior notice. Graduate benefits are supported by an annual renewal fee. To complete your registration All candidates are required to read the CLTC Code of Professional Responsibility at and sign and return the CLTC Pledge on the reverse page. Your acceptance will be kept on permanent file at the Corporation for Long-Term Care Certification, Inc. 05/10/10

5 The CLTC Board of Standards The CLTC Pledge All graduates of the Certified in Long-Term Care (CLTC) program are required by the independent CLTC Board of Standards, Inc. (Board) to renew their designation yearly, at which time they must show that they have maintained a minimum standard of competence. It is based on the principal that graduates can continue to serve their clients with the highest degree of professionalism only if kept informed on advances in planning techniques and changes in both the long-term care insurance market and regulatory bodies. The Board has determined that this essential information is not currently available through continuing education programs. After a thorough review of the content available on the CLTC Graduate web site (Site) the Board has determined that, it provides the tools to meet the minimum standards to maintain competency. The products, services and information available on the website are supported only through renewal fees. The Board has determined that accepting funding from the insurance industry or referral fees from vendors would compromise the integrity of the CLTC designation. The payment of an annual renewal fee demonstrates a commitment to continuing education by giving you access to the material necessary to meet the minimum standard of competence called for. Graduates who do not pay said fee have made a decision not to remain engaged in the profession at the level required by the Board and therefore will be considered to have voluntarily relinquished their CLTC designation. The individual will be removed from our list of graduates, denied access to the Graduate web site and if appropriate, notice of the same will be forwarded to that person s company. To avoid any future misunderstanding, designees are required to sign and return the following Pledge; otherwise, their renewal remittance will not be processed: 1. I understand that acquiring the CLTC designation is the first step in a commitment to the profession of long - term care planning. 2. I understand that to serve my clients with the highest degree of professionalism I must stay informed on advances in planning techniques and changes in both the long-term care insurance market and regulatory bodies. 3. I understand that the CLTC Board of Standards has set minimum educational criteria for renewing the designation. I further understand that the materials and services that allow me to meet those criteria are contained in the CLTC Graduate web site. Failure to renew access to required CLTC education will act as a voluntary relinquishment of the CLTC designation. 4. I understand that I am required by the CLTC Board of Standards, Inc. to successfully complete a CLTC Ethics course every two years in order to continue holding the CLTC Designation. 5. I hereby agree to abide to the terms of the CLTC Code of Professional Responsibility, including continued learning. CLTC Renewal Policy: Beginning one year after the date you pass the exam, one of the following plans is required: Annual Plan: $ by check, credit card or money order Lifetime Membership: $ by check, credit card or money order Please Print: Last Name First Name Date Course reference # (if applicable) Signature Fax this completed form to (617) or you may mail it to: CLTCC 188 Needham Street, Suite 230 Newton, MA /10/10

6 Power of Mentoring Whatever success has been bestowed upon me thus far in my life has been the result of the kindness and dedication of mentors, MDRT past President Philip E. Harriman, CLU, ChFC, told Main Platform attendees. Revealing how the mentors in his life helped him overcome the family turmoil that marked his early years, Harriman, a 28-year MDRT member from Falmouth, Maine, recalled an idyllic early childhood. However, that gave way to tumultuous teenage years, when the cruelty of his classmates revealed that his parents were different. Harriman said his father was physically disabled as a result of multiple surgeries stemming from childhood health issues, and his mother suffered from mental illness that led to involuntary hospitalizations. By the time I was 13, my parents had become more and more abusive to one another, he recalled. I still vividly remember having to step in between them to keep the peace. A bitter divorce ensued. After the divorce, my younger brother was sent away to a special education school, and I was thrust into caring as best I could for my mentally disabled mother. The trauma Harriman endured during his formative years took a toll. Adrift at age 15, he fell in with a troubled crowd and lacked positive direction in his life. Yet, Harriman said, there were special people in his life who chose to look beyond the dysfunction of his family, and instead focused on his potential. Through these mentors, Harriman explained, he was able to move forward despite the disappointments of his upbringing. One of his first mentors, a middle school teacher, challenged Harriman to develop his athletic abilities through discipline, commitment, focus and goal setting. By his senior year in high school, Harriman was serving as co-captain of the basketball team and earned a partial scholarship to play college basketball. In college, Harriman said, a professor took the time to introduce him to the field of insurance. Thanks to him, I discovered the miracle of how insurance works and what it does for families, businesses and communities around the world, he said. Once he earned MDRT membership, Harriman said, his fellow members showed him how volunteering would allow him to fully experience the benefits of the Round Table. That was the best advice, he said. It is right here, at MDRT, where I discovered my leadership skills, and serving as your President has been the highest honor of my career. Harriman said many other mentors, including his wife, Christie, and one of his longtime clients, have inspired him to want to be better. Would you agree that you got here to this place of excellence because someone cared enough about you to become your mentor? he asked. Harriman said mentoring is the heart and soul of MDRT, and he encouraged attendees to carry on the tradition. Become a mentor beginning right now, Harriman urged. Take time to reach down, reach back and lend a hand to someone trying to make it in this profession. It s good tonic for your soul, and your advice will bear fruit long after your days are gone. Philip E. Harriman, CLU, ChFC served as 2007 MDRT President and is a 28-year member of the Round Table with four Court of the Table and 11 Top of the Table qualifications. His entire 2010 Annual Meeting presentation is available for purchase at Million Dollar Round Table Phone: Fax: Website:

7 January Annuity Certification Class a Success Over 25 people filled the training room in Northwestern Mutual s Fort Worth office for January s annuity certification class facilitated by Glen Baecker. Thanks to Northwestern Mutual for hosting this event. Additional opportunities to earn classroom continuing education credits are coming this year. Look for more information in the coming months. Save the Date! Mark your calendar to participate in the 2011 NAIFA-Fort Worth Golf Tournament on Wednesday, April 20, This year s tournament will be held at Woodhaven Country Club. The tournament will begin with a shotgun start at 1:00pm. More details will be coming soon! Did You Know? In 2010, New York Life grew their NAIFA membership nearly 50% from 4,000 to over 6,000 members nationwide. Thanks to New York Life for supporting NAIFA!

8 NAIFA-Fort Worth January Luncheon Murray Morton and Bernie Henyon Thanks to Bobby Johnson from luncheon sponsor Midland National for supporting NAIFA-Fort Worth! Thanks also to Brenda Harris from luncheon sponsor American Legacy for supporting NAIFA-Fort Worth! Tim Roels, Firefighter of the Year-Captain Richard Wier, Lesley Pinckard and John Park Luncheon speaker Ted Harris from AssetSource, Inc. Brett Ruddell presents a PAC drawing prize to drawing winner Joanne Dula

9 Calendar of Events February 1 st February 7-8 February 22 nd March 1 st March 29 th April 5 th April 20 th April 26 th May 3 rd May 24 th NAIFA-Texas Legislature Day in Austin CLTC Master Class, facilitated by Harley Gordon 9:30-11:00 Board Meeting/luncheon at RCC 11:15-1:00pm Newsletter 9:30-11:00 Board Meeting/NO LUNCHEON. Newsletter NAIFA-Fort Worth Golf Tournament 1:00pm Shotgun Start at Woodhaven Country Club 9:30-11:00 Board Meeting/luncheon Business Meeting at RCC 11:15-1:00pm Newsletter 9:30-11:00 Board Meeting/luncheon at RCC 11:15-1:00pm NOT THE LAST TUESDAY!!!!

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11 Newsletter Advertising Opportunity NAIFA-Fort Worth offers you the chance to be seen in front of advisors and agents all over Texas 12 times per year with our updated ad price guide. You get a full color ad in each issue in the one size you want. The prices are simple: Full page $700 ¾ page $600 ½ page $400 ¼ page $200 Business card size $150 If you would like to advertise with the NAIFA-Fort Worth LifeTimes Newsletter, please call or info@fwaifa.org to get started. The next newsletter deadline is February 17, 2011.