Video President's Message of the Month  from Cheryl Canzanella, LUTCF!

NAIFA-Jacksonville Blood Drive!

Save Lives... Give Blood!

Donating blood costs you nothing except a little bit of your time! Please, save a life by signing up for our next drive:

Thursday, November 10, 2016

Bloodmobile at Enterprise Park 

1:00 - 3:00 PM

4190 Belfort Road, Jacksonville, FL 32216

For more information, please contact Alicia Burst at
904-332-8100 or

In This Issue...
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     NAIFA-Florida       NAIFA

NAIFA-Jacksonville's 45th Annual Awards Gala

Thursday, November 17, 2016

Epping Forest Yacht & Country Club, 6:00 - 8:30 pm

Presentation of the 2016 C.G. Snead/J.F. Bryan, III Memorial Award!
Presenation of the 2016 Recipient of the Community Service Award!
Recognition of the National Quality Award Achievers!
Recognition of the MDRT Qualifiers!

Steve Saladino Brent Martineau SPECIAL PRESENTATION BY

Steve Saladino, LUTCF

NAIFA-FL President


Brent Martineau

Action Sports JAX Sports Director at CBS47 and FOX30

Register Online

For more information, please contact NAIFA-Jacksonville
at (904) 695-2300 or e-mail

DOL Fiduciary Course Opportunity coming to Jacksonville!

Tuesday, December 6, 2016 

DOL Fiduciary Rule Course with Bryon Holz

"Compliance with New DOL Fiduciary Rules"

Approved for 4 hours of Continuing Education credit by the Florida Department of Financial Services  and moderated by NAIFA Trustee  Bryon Holz, CLU, ChFC, CASL, LUTCF!

12:30 pm Check-In, 1:00 - 5:00 pm CE Course

Columbia College, Classroom #3

7077 Bonneval Road, Jacksonville, FL 32216

Light refreshments will be served however participants are welcome to bring in outside food/drink and enjoy lunch during the class. 

Course Level: Intermediate / Course ID # 98668 / Course Authority CE 2-14 / Provider # 654

In April, 2016, the U.S. Department of Labor issued final regulations regarding the necessary duties and obligations of both the advisors working with qualified plans and IRAs and the financial institutions providing products and supervision of those advisors. This 4-hour course helps advisors understand the requirements of the new rule from the DOL and discusses implementation of those requirements so that advisors can be compliant while best serving the needs of their clients.

Program Structure / Cost:  $195.00 NAIFA Members,  $295.00 Non-Members



Immediate Past President Margie Harner and President Cheryl Canzanella meet with Jason Fischer!

Jason Fischer is unopposed in the Florida House of Representatives District 16 general election.

APIC in Action

If you know your member of Congress in the U.S. House or Senate, please let us know so we can add you to NAIFA's growing list of politically active agents!

Click HERE for more information about IFAPIC and to fill out a brief form about your relationship with your member of Congress and someone in the APIC Office at NAIFA will get in touch with you.


IFAPAC makes contributions to candidates to help gain access to share our concerns and issues.  Have you contributed to your Political Action Committee?  Century level is only $8.33 per month!

Contribute now and join the list below to receive credit for 2016!

Joseph Maltese, CFP, ChFC, CLU, LUTCF - Diplomat
Michael DeSanto, LUTCF - Envoy
Michael Halloran, CLU, ChFC, CFP, AEP - Envoy
Margie Harner - Envoy
Randy Taylor, CLU, ChFC - Envoy
Alicia Burst - Envoy
Robert Markwalter - Envoy
Michael Saunders, CLU - Envoy
Angela Crotto - Statesman
Bradley Ernst - Statesman
Christopher Harclerode, LUTCF - Statesman
Maureen Kirschhofer, CLU, ChFC - Statesman
Dennis Axman, CLU, ChFC, AEP, CFP, RI - Statesman
William Bryant - Statesman
Richard Dwyer, AIF - Statesman
Garland Hudson, CLU - Statesman
Kathleen Scott, CLU - Statesman
Timothy Von Ebers, CLU, ChFC - Statesman
Robin Wahby, CLU - Statesman
Cheryl Canzanella, LUTCF - Statesman
Mark Bailey, CLU - Century
Charles Grant - Century
Curtis James - Century
Cherri Ohmer, LUTCF - Century
Rogers Joseph, CLU, ChFC, CASL - Century
Walter McRae, CLU, ChFC - Century
Van Mullinax, LUTCF - Century
Melissa Fulcher, LUTCF - Century
Joseph Jones - Investor

NAIFA cannot contribute to political candidates. IFAPAC can, and that's what we do! In fact, IFAPAC consistently ranks in the top tier of more than 4,600 federal PACs in its political receipts and contributions to candidates.

For  Three Easy Ways to Contribute to IFAPAC , please click HERE .

For more information about IFAPAC and to contribute securely online, please visit:


Maureen Kirschhofer Congratulations to Maureen Kirschhofer from NAIFA-Jacksonville!

2016 Distinguished Service Award Recipient from the International Disability Insurance Society (IDIS)

NAIFA-Jacksonville's Maureen Kirschhofer, CLU, ChFC was presented with the 2016 Distinguished Service Award at the International Disability Insurance Society's Awards Dinner in October. The award is presented to companies and individuals in recognition of going above and beyond in providing support and service to the IDIS.

Maureen served as the IDIS Conference Program Planning Chair and is a Past President. In fact, she was the first woman President of the IDIS. She continues to serve year after year on numerous committees, including the conference program committee, the nominations committee, and the President's Advisory Committee.

There is no selection committee for the award. The Executive Directors review the current membership year for potential recipients who are subsequently endorsed and approved by IDIS Co-Founder William J. Barrett and IDIS President Todd Shield.

For more information about IDIS, please visit


NAIFA Continues Work On Senior Protection As FINRA Files Financial Exploitation Rule

FINRA has filed its anticipated rule that should help brokers and advisors protect senior investors from financial fraud. NAIFA has provided input during the rule-making process, including submitting a comment letter on an initial draft of the provision. NAIFA is reviewing the current filing, which must be approved by the SEC before it goes into effect, but generally supported the earlier draft.

"Insurance and financial advisors are often the first to recognize the signs when a senior is at risk of being exploited financially," said NAIFA President Paul Dougherty. "Regulations that allow advisors to report suspicious activities to financial institutions, which can then investigate further and coordinate with the authorities, will only enhance the many vital services advisors provide their clients."

Senior financial protection is an issue very important to NAIFA members. A MetLife study estimates that U.S. seniors lose $2.9 billion each year to financial fraud. A separate study by Allianz found that senior fraud victims lost an average of $30,000 each, and 10 percent lost $100,000 or more.

The Allianz study also found that seniors who regularly speak about their finances with trusted third parties, including financial professionals, are significantly less likely to be fraud victims.

In July 2015, the NAIFA Board of Trustees approved a policy statement that NAIFA should proactively support senior-protection legislation or regulations provided that they contain certain provisions:
  • A voluntary reporting process where the advisor, upon suspecting attempted fraud on a client, would report the matter to the firm (i.e. broker-dealer or insurer). The firm could then alert the appropriate state authorities, and, at the firm's discretion, delay a suspicious requested transaction. This process would allow the firm's legal and compliance personnel to review the questionable transaction with greater scrutiny.
  • A legal "safe harbor" provision where advisors and their firms would be immune from liability for following the law's provisions. Advisors and their firms should be encouraged to report potentially fraudulent transactions to protect their senior clients' assets.
  • A provision that would permit the state insurance department to provide training resources to advisors on how to recognize signs of cognitive decline while clearly acknowledging that advisors are not medical professionals and will not be held responsible for determining a client's cognitive condition.
In addition to working with FINRA on the current rule and the North American Securities Administrators Association (NASAA) on a model senior protection rule, NAIFA has developed its own model legislation based on the principles spelled out in the NAIFA Board statement.

NAIFA also continues to support the Senior$afe Act, federal legislation that has gained bipartisan support.

Visit the NAIFA Blog at


FREE NAIFA Members-Only Webinar:

Post-Election 2016:

The Impact on Insurance and Financial Services

Thursday, November 10, 2016  |   3:00 pm EST

Presented by: Diane Boyle, HIA, Judi Carsrud, Michael Hedge, Steve Kline, and Magenta Ishak

As the dust settles from Election Day 2016 please join NAIFA staff as they analyze the results and get the first look at what it means for NAIFA members and the election's impact on the financial services industry.

Our Government Relations team will discuss:

* The new administration
* Congressional shakeups
* Key winners and losers
* Key committee leadership
* What to expect in the lame duck
* A preview of the 115th Congress
* State legislatures and insurance commissioners
* How YOU can shape policy in the new Congress

Click HERE for complete details and registration.

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

215 LHVA Prelicensing Course
NAIFA-Jax Presents the 215 LHVA Prelicensing Course

The cost to attend is $200. Live classroom course is seven days each month from 8:00 am - 6:00 pm.

November 2016 Class Cancelled. Next live course dates:

December 9, 10, 11, 12, 17, 18, 19

Adam W. Herbert University Center,  8:00 am - 6:00 pm


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



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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