NAIFA Jacksonville


Michael Halloran_ CFP_ AEP_ CLU_ ChFC_ LUTCF
Message from the President

Michael W. Halloran, CFP, AEP, ChFC, CLU
NAIFA-Jacksonville President

Have you ever approached an attorney for the purpose of getting her to be a Center of Influence for you? The attorney is probably hoping that you will be a Center of Referrals for them. Does it work that you will give one to her and then get one from her?

You will find that answer at our meeting on November 16th. Bill O'Leary, one of our members, has been a practicing attorney for several years in the Business and Estate Planning areas. He will be at our meeting to go over that question and many others.

I personally do not get a lot of referrals from my attorney clients, but when they occur the case is usually a large one that is also fun to work on. You will also find out what the attorney expects from us when we are working with them on a case.

One of the many reasons to attend our meeting is that you are now getting Continuing Education (CE) credit for attending.

When you are working on a case that is important to you, the commission is needed, do you want competition on it? A number of times it has been mentioned to me that a competitor was trying to open a case with one of my clients. When the client told the competitor that I was their agent, the other rep backed off and told them I do a good job for my clients. The reason that happened was the fact that we became friends at NAIFA Meetings. Paying dues and getting a benefit like that is really nice.

If you have been watching the news it is apparent that the President and Congress are working on a tax cut. Your dues help support a legislative effort to keep 401k benefits unchanged. NAIFA is also working to keep the inside build-up of cash value non-taxed. We get great value from our dues, please help us recruit some new members.

Our focus this year is to give sales ideas at each meeting an you will get that from Bill and other speakers.

NAIFA-Jacksonville Anytime you have suggestions to make our group better, please give them to one of your officers or directors.

Mike Halloran
NAIFA-Jacksonville President


Happy Thanksgiving!
A Time to Give Thanks!

Thanksgiving is the perfect time of the year to acknowledge all of the things we are so lucky to have in our lives. For some of us it's something as simple as having stayed healthy throughout the year. For others, it might be some incredible opportunity that they've had. For many of us, Thanksgiving is the time to be grateful for our friends and families. 

With Thanksgiving just around the corner, NAIFA Jacksonville is particularly thankful for its members and those that came before us to lay the ground work to support the mission of protecting our clients.  Are you a part of the TEAM?   Join us at our next meeting on November 16 th .   

NAIFA is not just a membership organization, we are family!

In This Issue...

Sponsorship opportunities available for NAIFA-Jacksonville's events and membership lunch meetings!  Click HERE for complete details, or HERE for PDF format.

For more information about sponsorship opportunities, please contact NAIFA-Jacksonville at (904) 695-2300 or

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Special Announcement
Attend Our Meetings, Get 2 Hours Free CE!

Members attending our September, October and November membership lunch meetings will be eligible for  2 free hours of CE in 2017!

CE Course (Seminar) Title:
CE Course (Seminar) Number:
CE Course (Seminar) Offering:
"NAIFA-Florida Membership - 2017"

NAIFA-Florida members in good standing (only) may receive up to two (2) hours of Florida DFS-approved CE credit per calendar year by attending September, October and November membership meetings (at least 4 hours of association meetings). It pays to be a member!



Next NAIFA-Jacksonville Membership Lunch Meeting
Thursday, November 16th, 2017
San Jose Country Club
San Jose Country Club,  11:30 am - 1:00 pm

7529 San Jose Blvd., Jacksonville, FL 32217 

Attorney William Bill O Leary

NAIFA-Jacksonville welcomes Attorney WIlliam "Bill" O'Leary, JD., LLM from Legacy Planning Law Group who will discuss "How to Work with an Attorney" as well as working jointly with clients to obtain the desired client goals!


APPS Para Medical Services
New York Life

Rogers Benefit Group

The cost to attend our Membership Luncheon Meetings is $25.00 for NAIFA-Jacksonville Members and $30.00 for Non-Members

Register Online

Click here to register online for our Nov 16th Membership Lunch Meeting!

Please note: If your company is blocking access to our Google registration form, please try switching to alternate data or wi-fi to use a server outside of their corporate office, or email us at and you will be contacted for registration details!


Sponsorship opportunities available for NAIFA-Jacksonville's events and membership lunch meetings!  

Click HERE for complete details, or HERE for PDF format. For more information about sponsorship opportunities, please contact NAIFA-Jacksonville at (904) 695-2300 or


New America - Marketing to Diverse Markets NAIFA Professional Development

NAIFA continues to provide quality education through online learning to members as part of their member benefits.  An area that we would like to highlight this month is Diversity & Inclusion.  A webinar (free to members) was recently held - New America: Marketing to Diverse Markets.  

The recording of this meeting can be viewed by clicking HERE .

Additional topics such as Managing and Retaining Diverse Agents and Pursuing Diverse Markets: Breaking Down Barriers and Building Bridges are also available to NAIFA members. 



Get Ready for Long Term Care Awareness Month!

November is Long Term Care Awareness Month, the month-long campaign aimed at educating Americans about the importance of owning long-term-care insurance (LTCI). This is an excellent opportunity for you to reach out to your clients and prospects about LTCI and expand your LTCI practice.

Ahead of this campaign, Genworth has released results from an omnibus poll that measured consumer sentiment and understanding of LTCI.

The poll, which surveyed 1,200 adults between July and September, is a follow-up to the Cost of Care report, and uncovered several misperceptions about who pays for LTC costs, confusion between government programs like Medicare and Medicaid, and a lack of awareness about what is and what isn't covered.

Specific findings include:
  • 62 percent of respondents incorrectly defined what LTCI covers.
  • Two-out-of-three adults expect government programs to partially or fully cover the costs of their LTC services, but 45 percent of respondents either confused Medicare for Medicaid or admitted they didn't know the difference between the two programs.
  • Only one-in-five adults have taken any action to financing their LTC expenses.
  • Generation X is the most fearful about not having money for long-term care, but is the least likely to have prepared for these expenses.
  • Millennials are most likely to have taken action towards paying for future LTC expenses, which may be tied to another finding revealed in the study - that they are the most likely not to expect the government to cover any part of their LTC services.

The call to action, then, is to underscore the fact that there is not a single solution to funding one's long-term care, Genworth notes. Because of that, individuals must take on more responsibility to learn about the topic and plan accordingly.

Ayo Mseka, Editor-in-Chief

Read NAIFA's Advisor Today online at


NAIFA LACP Certification Program NAIFA Introduces LACP Certification Program

The NAIFA Life and Annuity Certified Professionals (LACP) certification serves consumers by recognizing financial professionals with a mark of distinction for their product knowledge, consultative sales process and compliance to ethical, legal, and regulatory requirements. LACP practitioners are held to a standard of excellence that defines and differentiates them from their peers and to the clients they serve.

To become an LACP, practitioners will meet the eligibility criteria and successfully complete the LACP examination.

For complete details and registration, please click HERE.


NAIFA Government Relations Wins and Accomplishments Through August 2011

DOL Delays Fiduciary Rule


Statement from NAIFA CEO Kevin Mayeux, CAE:

"The Department of Labor today filed its rule with the Office of Management and Budget to delay the applicability date of the fiduciary rule by 18 months, which is a step in the right direction.

"NAIFA has worked diligently throughout this process to educate the administration and members of Congress about the rule's potential unintended consequences that could deprive middle-market savers of access to professional, individualized advice. We will remain vigilant to assure the DOL rule does not disrupt the marketplace, increase costs for retirement savers, and eliminate access for middle- and lower-income workers to individualized retirement planning services.

"NAIFA members are on the front lines in communities across the United States serving the individuals, families and small businesses the rule is likely to impact the hardest. NAIFA, ACLI and our coalition industry leaders will continue to inform lawmakers on the impact the rule is having on the industry and consumers. We look forward to working with the Department of Labor and Congress to ensure advisors are able to serve their clients and guide them to secure financial futures."


NAIFA-Florida Day on the Hill

NAIFA-Florida 2018 Legislative Day on the Hill in Tallahassee in January, and NAIFA Congressional Conference in Washington DC in May! 

NAIFA-Florida's Legislative Day on the Hill for 2018 is set for Tuesday, January 23rd in Tallahassee. Traditionally, our Day on the Hill event is scheduled for two weeks after the legislature convenes each year.  In 2018, the legislature is scheduled to convene on January 9th.

NAIFA-Florida members are encouraged to attend Day on the Hill, to lend your voice before legislators regarding the very important issues which come before the legislature impacting insurance and financial advisors. 
So mark your calendar and REGISTER NOW for January 23rd, 2018 for the NAIFA-Florida Legislative Day on the Hill in Tallahassee! 

NAIFA Congressional Conference

The 2018 Congressional Conference is scheduled for May 22-23, 2018!

In the past four years, over three thousand NAIFA members from every corner of the country came to Washington, D.C., and visited Capitol Hill to meet with lawmakers and advise them on how their decisions affect agents, brokers, and their clients.

NAIFA held its 2016 Congressional Conference to establish and cultivate relationships with lawmakers, to share the expertise of NAIFA members from all 50 states, and educate them on the value that NAIFA members bring to their clients and the solutions they provide for 75 million American families.

For the latest updates and registration details, visit


Leadership In Life Institute
Leadership In Life Institute Now Accepting Applications for 2018!

Registration is now open for the 2018 LILI (Leadership In Life Institute) class. If you, or someone you know in your local association would be a good candidate for the LILI class, please contact 2018 Moderator Steve Saladino ( or me ( One of us will be glad to follow-up with the candidate.

LILI is one of the best member benefits NAIFA offers - it is an amazing, life-changing course of study which focuses on the whole person in terms of leadership in our business practices, our families, and organizations we belong to. I can tell you that all who take LILI are personally and profoundly impacted. So, if you, or other local members you think they would benefit by taking LILI, please let Steve or I know. Acceptance to LILI is by application only and the class size is limit to 12. 

Application deadline is Thursday, Nov. 30, 2017.

2018 LILI classes begin in January and will be held in Tampa.  Complete details and application can be found at

Tom Ashley

215 LHVA Prelicensing Course
NAIFA-Jax's 215 LHVA Prelicensing Course Opportunity in December

Next live class dates:

DECEMBER 1, 2, 3, 4, 9, 10, 11 
The cost to attend is $200. Live classroom course is seven days each month from 8:00 am - 6:00 pm:

UNF Adam W. Herbert University Center



Click HERE for complete details and registration for our live and online class opportunities.


NAIFA Members Only Webinar Series

NAIFA's FREE Members-Only Webinar:

"Social Security Is An Investment - Help Your Clients Understand It"

Wednesday, November 15, 2017  /  3:00 PM - 4:00 PM EST

Presenter: Vonda VanTil, Social Security Public Affairs Specialist in Grand Rapids, MI

Your clients have made a valuable investment by paying into the Social Security system over their lifetime. Most tend not to think about this investment until something happens - a loved one passes away, a family member becomes disabled, a divorce occurs, their retirement sneaks up or they've turned 65. Unexpectedly, they are presented with an unfamiliar situation that prompts them to perhaps turn to their financial advisor for Social Security guidance. Not a problem. This presentation is tailored to prepare you for such situations.

This session is presented by a Social Security employee so you have the inside information that others cannot provide. Vonda will cover the important factors to consider when advising a client beyond just numbers on a spreadsheet. She will cover the Bipartisan Budget Act and how some still qualify, discuss the widow/retirement options and the big decision individuals have to make about Medicare when they turn 65. All of this and much more benefit details to help assist your clients properly.

Vonda will show some online tools that will be sure and enhance your retirement planning process with your clients. In addition, Vonda will share some inside tips on the best ways to work with Social Security and the online services that are sure to enhance one's experience when conducting business with Social Security.

For a complete and comprehensive list of all the exclusive benefits of NAIFA membership, please visit

Ask a non-member to join NAIFA today!

NAIFA is the largest financial services membership association in the United States, comprised of more than 700 state and local associations representing the interests of 200,000 members and their associates nationwide. NAIFA's goal is to protect your livelihood and your clients' financial security.

To join or renew securely online, please visit



NAIFA's Mission Aided with PAC and PIC

The core mission of the National Association of Insurance and Financial Advisors is advocacy. There is a common misconception that NAIFA membership dues include all the dollars needed to fund our national and state advocacy efforts. The fact is that NAIFA spends over 25% of its 12 million dollar annual budget to pay for lobbyists and programs to support our advocacy efforts. However, additional funds are needed to help gain access to our elected representatives. The source of these funds are from the Insurance and Financial Advisors Political Action Committee (IFAPAC).

IFAPAC's goal is to help the associations advance the legislative and regulatory interests of the members of NAIFA. While any U.S. citizen can contribute to IFAPAC, only members of NAIFA may be solicited to do so. Contributions must be voluntary. Contributions are not tax deductible for federal income tax purposes. Of approximately 4,600 political action committees registered with the Federal Election Commission, IFAPAC ranks in the top tier. IFAPAC is the largest insurance PAC in the country. In the last election cycle, the national IFAPAC contributed approximately $1.8 million to federal candidates and committees.

For Three Easy Ways to Contribute to IFAPAC, please click HERE. To contribute online, please visit

Insurance and Financial Advisors Political Involvement Committee (IFAPIC)

Our business is based on building relationships. The world of politics is no different. One of NAIFA's greatest strengths is that we have membership representation in each Congressional District in the country.

It is vitally important that we know which of our members know elected officials and how well they know them. Please click on the link below and complete the legislative contact form:




For the latest news and updates, please visit our website at  For more information, contact NAIFA-Jacksonville at  (904) 695-2300 or .
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