NAIFA-Miami Dade Offi cers and Board of Directors .....2-3 NAIFA-Miami Dade’s IFAPAC Contributors ....................4-5 NAIFA Protects Your Business .......................................... 6 NAIFA Quality Awards Recipients .................................... 7 The Membership of NAIFA-Miami Dade: Company Lis� ng .......................................................8-15 Alphabe� cal Lis� ng ................................................16-42 NAIFA-Florida ................................................................. 43 NAIFA Helps You Grow Your Business ............................ 44 NAIFA Membership Applica� on ................................45-46

The mission of the NAIFA-Miami Dade is to improve the business environment,

enhance the professional skills and promote the ethical conduct of those

engaged in insurance and related fi nancial services.

CODE OF ETHICS

PREAMBLE:

Helping my clients protect their assets and establish fi nancial security, independence and economic freedom for themselves and those they care about is a noble endeavor and deserves my promise to support high standards of integrity, trust and professionalism throughout my career as an insurance and fi nancial professional. With these principles as a founda� on, I freely accept the following obliga� ons:

• To help maintain my clients’ confi dences and protect their right to privacy.

• To work diligently to sa� sfy the needs of my clients.

• To present, accurately and honestly, all facts essen� al to my clients’ fi nancial decisions.

• To render � mely and proper service to my clients and ul� mately their benefi ciaries.

• To con� nually enhance professionalism by developing my skills and increasing my knowledge through educa� on.

• To obey the le� er and spirit of all laws and regula� ons which govern my profession.

• To conduct all business dealings in a manner which would refl ect favorably on NAIFA and my profession.

• To cooperate with others whose services best promote the interests of my clients.

• To protect the fi nancial interests of my clients, their fi nancial products and my profession, through poli� cal advocacy

National Association of Insurance and Financial Advisors - Miami Dadec/o Ana Maria Necuze, Association ExecutiveP.O. Box 141724, Coral Gables, FL 33114Phone 305-495-6850 | Fax 305-428-9526Email info@naifamiamidade.orgWebsite WWW.NAIFAMIAMIDADE.ORG

www.naifamiamidade.org 1

Please review your lis� ng. If there are any changes or updates, please login to www.naifa.org or contact NAIFA Member Services at 877-TO-NAIFA.

THE NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS � MIAMI DADE, FLORIDA

Membership Directory

miami dade

SPECIAL THANKS TO OUR SPONSORS!

NAIFA-Miami Dade Officers and Board of Directors

2 www.naifamiamidade.org

PRESIDENTDelvin Joyce, CLU, ChFCPruden�al560 Village Blvd., Ste. 100W. Palm Beach, FL 33409PHONE (561) 207-3189 - FAX (561) 471-1152EMAIL delvin.joyce@pruden�al.com

VICE PRESIDENTKeith D. Berman, CLTC®, FIC , RICP®Thrivent Financial®11020 N Kendall Dr., Ste. 108Miami, FL 33176-1217PHONE (305) 596-6730 ext. 101FAX (855) 873-1908EMAIL keith.berman@thrivent.com

SECRETARY-TREASURERLuis A. NecuzeAllstate Insurance8290 Bird Rd., Ste. 106Miami, FL 33155PHONE (305) 227-1596 - FAX (305) 229-8699EMAIL luisnecuze@allstate.com

NATIONAL COMMITTEEPERSONMark ForgionePruden�al Financial P.O. Box 562440Miami, FL 33256EMAIL markforgione@bellsouth.net

IMMEDIATE PAST PRESIDENT Donald A. Brown, CLU, ChFC, LUTCFBrown & Associates6675 S.W. 90 CourtMiami, FL 33173PHONE (305) 273-7673 - FAX (305) 273-7639EMAIL DonBrown@bellsouth.net

EXECUTIVE DIRECTOR Ana Maria Necuze NAIFA Miami-Dade, Inc.P.O. Box 141724Coral Gables, FL 33114PHONE (305) 495-6850 - FAX (305) 428-9526 EMAIL info@naifamiamidade.org

DIRECTOR / COMMUNITY SERVICE COMMITTEEGOLF TOURNAMENT CHAIRLeon R. AvilaAvila Investments & Insurance5901 S.W. 74 St., Ste. 302Miami, FL 33143PHONE (305) 669-4444 - FAX (305) 669-9753EMAIL LRAvila@avilains.com

IFAPAC CHAIRJames A. Bouterse, CLU, ChFC, LUTCFBouterse Financial Services3939 Hollywood Blvd., Ste. 1AHollywood, FL 33021PHONE (954) 963-0609 - FAX (954) 963-8225EMAIL JBouterse@BellSouth.net

MEMBERSHIP CHAIRDonald A. Brown, CLU, ChFC, LUTCFBrown & Associates6675 S.W. 90 CourtMiami, FL 33173PHONE (305) 273-7673 - FAX (305) 273-7639EMAIL DonBrown@bellsouth.net

DIRECTOR / POLITICAL INVOLVEMENT CHAIRSPONSORSHIP COMMITTEEPeter BusséNew York Life3750 NW 87th Avenue, Ste.500Miami, FL 33178PHONE (786) 275-1355EMAIL pbusse@�.newyorklife.com

PROGRAMS / CE CHAIRRaul DespianState Farm Insurance Co.5331 NW 189th StreetMiami, FL 33055EMAIL raul.despian.pjd1@statefarm.com

HOSPITALITY COMMITTEE MEMBEREdward W. English, Sr.New England Financial822 Mariana Ave.Coral Gables, FL 33134PHONE (305)448-5374EMAIL ewejse@bellsouth.com

DIRECTORS / COMMITTEES:

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DIRECTOR / HEALTH CHAIRMauricio GiraldoHorizons Insurance & Financial Services12555 Orange Dr, Suite 205Davie, FL 33330PHONE (954) 862-1735EMAIL mauricio@thehorizonsfinancial.com

DIRECTORThomas KrachNew York Life 1300 Concord Terrace, 5th FloorFt. Lauderdale, FL 33323EMAIL tkrach@�.newyorklife.com

DIRECTORHilda Miller1545 Ancona Ave.Coral Gables, FL. 33146PHONE (786) 252-4134EMAIL hilda.miller@gmail.com

DIRECTOR / MULTILINE CHAIRLuis A. NecuzeAllstate Insurance8290 S.W. 40 Street, Ste. 106 Miami, FL 33155PHONE (305) 227-1596 - FAX (305) 229-8699EMAIL luisnecuze@allstate.com

YAT CHAIRRobert PoleoNorthwestern Mutual201 Alhambra Circle, Ste. 703Coral Gables, FL 33134EMAIL: robert.poleo@nm.com

SENIOR COUNCIL James A. Bouterse, CLU, ChFCDonald Brown, CLU, ChFC

NAIFA-Miami Dade Officers and Board of Directors

4 www.naifamiamidade.org

Thank You to NAIFA-Miami Dade’s IFAPAC Contributors!The Insurance and Financial Advisors Poli�cal Ac�on Commi�ee (IFAPAC) advances the legisla�ve interests of NAIFA, seeks to preserve a favorable governmental climate and promotes the best inter-ests of consumers—as served by ac�ve members of local associa�ons – by suppor�ng the campaigns of carefully selected candidates for elec�ve office.

There is no more important func�on of NAIFA than impac�ng on laws and regula�ons affec�ng the products NAIFA members sell and the customers they serve. Our legisla�ve and poli�cal programs are NAIFA’s first line of offense and defense. NAIFA created its poli�cal ac�on commi�ee in 1966. IFAPAC was and s�ll is the associa�on’s strong response to the need for vigor-ous, effec�ve representa�on on behalf of members of its local and state associa�ons. or more informa�on about IFAPAC and to make contribu�ons securely online, please visit: www.naifa.org/advocacy/ifapac.

CAPITOL ($5, 000+)...

EMISSARY ($2, 500-$4, 999)...

DIPLOMAT ($1, 000-$2, 499)

Guy Brickman CLU, ChFCMaria Elena Cisneros Gerald Grant MBAPeggy Hollander CPACarl Hughes CLU, LUTCFBart Kavanaugh CLU, ChFCJerome Kirstein QPFC, CLU, ChFC, CLTCEllie Mills CLU, LUTCFManny Miranda James Penn LUTCFRicardo Rosales Richard Rosenthal LUTCFJan Spitzer Lawrence Wiener CLU, ChFC, AEP

ENVOY ($500-$999)

Donald Brown CLU, ChFC, LUTCFIleana Cabrera-Rodriguez John Calles JD, CLU, ChFCLuis Chiappy CLU, ChFC, CFPJuan Cosio Michael Eskra CLU, RHUAlberto Espinosa CLU, LUTCFMark Forgione LUTCFTomas Hauff Cesar Lopez Jorge Mercado LUTCFRobert Neale RHUJeffrey Newman CLU, ChFCMary Roberts LUTCF, FSSRobert Rosenthal Marc Silverman CLU, ChFC, CFPAnn Travis LUTCF, ChLAPChristopher Wolfe CLU, ChFC

STATESMAN ($300-$499)

Guy Ben-Shalom MSA, LUTCFKeith Berman FICJames Bouterse CLU, ChFC, LUTCFFrancisco Carreras LUTCFPeter Eskra David Eskra PhD, MBAGustavo Figueredo Delvin Joyce CLU, ChFCAndrew Kasow CLU, ChFCRobert Kelley LUTCFRobin Landers CLUErnest Morrow LUTCFRamon Murphy CLU, CFPLuis Necuze Tanya Pages CLU, ChFCMarta Sastre CLU

AMBASSADOR ($200-$299)

A. Abern CLU, ChFCMisline Allan Ana Arguello CPIA, LUTCFHarold Arve Marilyn Blosser LUTCFPedro Busse Juan Calles CLU, ChFCJuan Colao Juan Comendeiro Jennifer Couto Chuck Downs CFPArthur Finkle CLU, ChFCHoward Goldstein CLU, ChFC, CLAPhillip Lyons CIC, AAICornelia Philipson LUTCFGerman Plasencia CLUCarmen Rodriguez LUTCFJanice Rowton LUTCFRicardo Sanchez Ruben Sanchez Roberto Torok Laura Traeger AAI

CENTURY ($100-$199)

Allen Albrecht CLU , CFPVivianne Alvarez Leon Avila LUTCFLeon Avila Jorge Barcelo Luis Barrionuevo CLU , CHFC , LUTCFMichael Blanco George Braddock CLTCFernando Campos Pedro Chacin Luana Corral CFP , CFS , CLTCLance Crawford Emmanuel Damiscar Raul Despian LUTCFMario Diaz LUTCF , CLTCArturo Dopazo Robert Downey CLU , ChFCPhilip Engelmann CLU , ChFCJeffrey Epstein Mauricio Giraldo Julian Goldstein CLU , ChFCTeofilo Gonzalez CFP , MBAJudith Gordon David Goss Jeff Hackmeier LUTCF , CSASteven Hennessy MBA , LUTCFLuis Hernandez Douglas Jacobs John Kennedy Ed Knox CLU , CLTCThomas Krach LUTCFJerry Leffler Joel Lehman CLUDarling Lie-Nielsen MDRT , CLTCOdalis Lopez CFPDomenic Macrina CLU , ChFCDavid Marley LUTCF , CSARaimundo Molina Baez MBARicardo Morales-Gomez CLTCRobert Morris Helena Nath

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CENTURY ($100-$199) cont.

Roberto Nuno John O’Day Mila Olea Mark Piper CLURamiro Rodriguez CLU , ChFC , IARRafael Rodriguez-Vega Orlando Romero Bradley Rosen Philippa Roxburgh CLU , ChFC , CLTCRichard Saka Mar�n Shaw Nathan Shusterman CLU , ChFCAna Siberio Robert Spak CLU , ChFC , CASLHarvey Tabin J. Tracy Ani Victoriano Carlyle Webb LUTCFReinaldo Winer LUTCFSaul Zitner LUTCF

INVESTOR ($50-$99)

Wayne Cooper CLU, CHFC, MSFS, LLMNora Corp Edward English Richard Miller CLTCDiane Preuss Howard Schachter Harvey Timmer Michael Whalen CLU, ChFCRichard Wine LUTCF

Thank You to NAIFA-Miami Dade’s IFAPAC Contributors!

Your business – and your ability to help families save for their future - is at risk from threats on Capitol Hill.

Only NAIFA has the reach to make your voice heard. When you join NAIFA, you’re speaking to legislators in one, clear voice.

NAIFAPROTECTSYOUR BUSINESS

Go to www.NAIFA.org/MembershipPays or call 1-877-866-2432!

6 www.naifamiamidade.org

Congratula�ons to our NAIFA Quality Awards Recipients!The NAIFA Quality Award provides advisors at any career stage, the opportunity to demonstrate a commitment to excep�onal:

• Professionalism through educa�on and earned designa�ons• Produc�on measured by performance metrics customized for each prac�ce specialty• Adherence to the NAIFA code of ethics, and• Service to your industry associa�on.

Advisors specializing in Life Insurance & Annui�es, Financial Advising & Investments, Health & Employee Benefits, Mul�line Sales or any combina�on of these special�es have the opportunity to demonstrate the quality that is the mark of a true professional. For more informa�on and to apply for the NAIFA Quality Award, please visit www.naifa.org/membership/awards/quality-award.

LIFE INSURANCE & ANNUITIES

AWARD RECIPIENTPercy J. AvetraniKeith D. Berman, FICJonathan CheaMa�hew J. FerraraKris�n N. FranciscoRichard M. GonzalezDavid M. GruenBryan HughesRuben LevismanDarling J. Lie-Nielsen, MDRT, CLTCRicardo Ludert, CLTCEllie K. Mills, CLU, LUTCFHector M. MitreDavid Victor Montes De OcaRoberto A. NunoMark C. Piper, CLUNazim Qureshi, ChFCJus�n SakaRichard L. SakaNathan Shusterman, CLU, ChFCAkiva Zweig

YEARS WON48535

1721293

1066

1729737

412

COMPANYThe South Florida GroupThrivent FinancialNorthwestern MutualNorthwestern MutualThe Downs GroupRichard M. Gonzalez Ins. Agcy., Inc.The South Florida GroupThe South Florida GroupLaser Financial GroupNorthwestern MutualNorthwestern MutualState Farm InsuranceNorthwestern MutualNorthwestern MutualNorthwestern MutualNorthwestern MutualNorthwestern MutualThe Downs GroupThe Downs GroupNat Shusterman AssociatesNorthwestern Mutual

MULTILINEAWARD RECIPIENTRichard M. GonzalezEllie K. Mills, CLU, LUTCFRay N. Timmons, Jr.

YEARS WON17102

COMPANYRichard M. Gonzalez Ins. Agcy., Inc.State Farm InsuranceSouthern Farm Bureau Life Insurance

www.naifamiamidade.org 7

The Membership of NAIFA-Miami Dade: Company Lis�ng

Please review your lis�ng. If there are any changes or updates, please login to www.naifa.org or contact NAIFA Member Services at 877-TO-NAIFA.

Abern Financial A. Abern

Aetna Life Insurance Raul Loys

AFLAC Marta Sastre

AGLA - American General Emmanuel DamiscarMary Roberts

All Star Capital Group, Inc. Jose Jimenez

Allstate Benefits Ryan Otero

Allstate Financial Services, LLC Michael BlancoIsmael Delgado

Allstate Insurance Company Claudio BeruvidesIgnacio BorbollaDalgis CastanedaCarlos CisnerosMilagros CrespoMichelle DesjardinsJacob EljauaValerie FairningtonDeborah MarcusMichael Mar�nezJorge MilanesLuis NecuzeNidia PitaMaria ReutherRosa SanchezConrado Yero

AME Insurance InsurPro LLC Alberto Espinosa

American General Life & Accident Ins. Co.Deborah Abbo�Mercedes CabreraMontel HerardLawayne Sco�Patrick SimonConrad TunstallMelody Woodruff

American United Life William Machado

Ameritas Juan CallesJohn CallesAmeritus Orlando Romero

Apoyo Seguro LLC Alberto Vilar

Arthur A. Finkle & Assoc. Arthur Finkle

Arthur Cohen Insurance, LLC Arthur Cohen

Aruen Financial Robert Gu�errez

Arven Financial Edgar BernalMichael Hochman

ASI Ins. Brokerage Arthur Kulick

Avila Investments & Insurance Leon A. AvilaLeon R. Avila

AXA Advisors Hugo CastroTomas HauffDomenic MacrinaAna Siberio

AXA Advisors, LLC Andrew AcebalLuis ChiappyWayne CooperGerald GrantWilliam ManusJorge MedinaSteven RasmussenMaria SantallaJorge TefelKeston White-Marin

Barne� Capitol Advisors Andrew Carrillo

8 www.naifamiamidade.org

Beacon Financial & Insurance Solu�ons Alberto Regueira

BenTrust Financial Francisco Carreras

Bernie Carr Ins. Agency, Inc. Bernie Carr

Best Meridian Ins. Co. Nora Corp

Bill Helbig Insurance Agency, Inc.Bill Helbig

Blosser Financial Service Inc. Marilyn Blosser

BMI Financial Group Rafael AriasSoledad CoteAnthony SierraAnne Marie Sierra

Bouterse Financial Services James Bouterse

Bravo Insurance Group Domingo Bravo

Brickman Insurance & Financial Services, Inc Guy Brickman

Brown & Associates Donald Brown

C & C Insurance, Inc. Rosemary Olson

Cabrera-Rodriguez Ins. Agcy. Ileana Cabrera-Rodriguez

Cambridge Financial Partners Claudia Ros

Carlyle Financial Group Carlyle Webb

Christopher Wolfe & Associates Christopher Wolfe

Claudia Gallego Claudia Gallego

Columbus GO Thomas Krach

Combined Worksite Solu�ons Adriana Gonzalez

Comprehensive Companies Ronald Stone

Cornelia Philipson Ins. Serv. Cornelia Philipson

Corporate Financial, IncJohn O’Day

Crea�ve Financial Concepts, Inc. David Marley

CRMSG Insurance Services Raimundo Molina Baez

Cypress Financial Joshua Dove

Cypress Financial Group Mar�n Lon

Dada County Farm Bureau Dawn Baird

Dennis Charley & Assoc., Inc. Dennis Charley

DI BrokerJuan ComendeiroMichael EskraPeter EskraRobert Morris

dibrokereast/Eskra & Associates David Eskra

Diversified Richard Miller

Diversified Underwriters Svc Jan Spitzer

Douglas M. Jacobs & Associates Douglas Jacobs

Downs Group Kris�n FranciscoRichard SakaJus�n Saka

Ene�e Henderson Agency Ene�e Henderson

Ernmor Benefits Services Ernest Morrow

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Estate & Charity Funding Network Reinaldo Winer

Examsolu�ons Jose Hernandez

Fendz Asset Mgnt Joe Fernandez

Financial Educa�onal Systens, Inc Paul Indianer

Fuentes & Associates, Corp. Joseph Fuentes

Futurity First Bruce Rishty

GBS Agency, Inc. Guy Ben-Shalom

Grabowski Ins. Agcy., Inc. Richard Grabowski

Guardian Hilda Miller

Guardian Life Insurance Co. of America Jeffrey Newman

Harvey Tabin & Assoc Inc Harvey Tabin

Health Family Insurance Mario Diaz

Henderson Financial Group Gary Wilkinson

Horizons Financial Diego Giraldo

Horizons Insurance Jocelyn Desada

Horizons Insurance & Financial Services Mauricio Giraldo

Howard D. Goldstein, CLU, ChFC Howard Goldstein

Howard Rosenbloom, Regist Rep Howard Rosenbloom

Independent Edward English

InSource Phillip Lyons

Insurance Advisors & Administrators Inc. Raoul Correa

Insurance Quote Interna�onal Judith Gordon

Insuring Sources, Inc. Mary Saiz

Interbrokers Yseni Nunez

Interbrokers, Inc. Ricardo Rosales

Investacorp, Inc. Luana Corral

J. M. Berenguer & Associates, Inc. Jose Berenguer

Jeff D. Hackmeier & Associates, Inc. Jeff Hackmeier

Jerry M. Leffler & Associates Jerry Leffler

Jim Diaz Insurance Agency Jim Diaz

John Hancock Chris EilersRoger Huxman

John Hancock Financial Services Carlos Gaviria

Jorge E. Mercado & Associates Jorge Mercado

Juan F. Colao Ins. Agcy., Inc. Juan Colao

Knox Financial Team Ed Knox

Lakes Consul�ng Firm, Inc. Allen Albrecht

Landers-Stein & Associates, Inc.Robin LandersDiane PreussCarmen Rodriguez

10 www.naifamiamidade.org

Laser Financial Group Karol JimenezRuben LevismanTiffany RichardsEvelina Tejada

Lincoln Financial Network Keith Mueller

Linq Financial John Murrain

Linq Financial Group Luis HernandezCarlos Hernandez

LTC Financial Partners George Braddock

Major Assurance Planning, Inc. Ramiro Rodriguez

Major Financial Planning Inc Rafael Rodriguez-Vega

Manny Miranda Insurance Agency, Inc. Manny Miranda

Mar�n L. Shaw III & Associates Mar�n Shaw

Mar�na D. Turner Agency Mar�na Turner

MassMutual Financial Group Kris� GomezVince Pino

MassMutual Miami Carlos Musibay

MassMutual Miami-LINQ Financial Group Omar Rivero

MassMutual/DBS Financial Group Edgar Jones

MetLife Premier Client Group Philip EngelmannJoel LehmanJames PappasJuan Suarez

MHG Services Inc. John Haagensen

Midland Na�onal Life Samuel MicholLuiz Almeida Dos Santos

Modern Woodmen of America Yve�e Fader

Mutual of Omaha Companies Jose�e Zamor

Nat Shusterman Associates Nathan Shusterman

Na�onal Planning Corpor�on Craig Lance

Neal Hirsch Insurance Neal Hirsch

New England Financial Jose Velasco

New York Life Nelson AlvaradoJorge BarceloLiliana BaronGabriela BenarrochIngrid BergesAna Busse-ArvesuLourdes CalasFernando CamposRachel CarrOlga Comas RedondoJuan CosioLance CrawfordBerta CupermanArturo DopazoRosemary GuilfoyleCecilia Gu�errezDerek HernandezJohn KennedyErica LarsonPatricia MaquilonThomas McCrary IIILoyda Molina-PaganSan�ago MontoyaOrlando MoraCarlos NogueraMarlene NogueraJuan Novas CondeMila OleaSergio Perez-BorrotoSylvia San EmeterioIvanhoe SanchezRobert SpakLauren TejeraJ. TracyDavid Walter

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Nick Insurance & Financial Solu�ons Harvey Timmer

Nick Waddell Insurance Agency, Inc. Paul Waddell

Northwestern Mutual Jason AuricchioJonathan CheaLionel D’AdeskyRobert DowneyChuck DownsTimothy EdbrookeMa�hew FerraraJackie GonzalezDarling Lie-NielsenHector MitreDavid Montes De OcaKris�na MuxoRoberto NunoMark PiperRobert PoleoNazim QureshiGrace SullivanMichael Whalen

OneCambridge Rafael Torres

P. J. Busse Insurance & Financial Services Pedro Busse

PAR DI Services, Inc. Robert Neale

Paramedical Solu�ons of S Fla, Inc Jennifer Couto

Penn Mutual Life Insurance Company Jeffrey EpsteinCharlene Guisasola

Pension Investors Corpora�on Jerome KirsteinLawrence Wiener

Peters Ins. & Fin. Svcs., Inc. Luis Peters

Principal Financial Group Luis BarrionuevoLyda Shehadeh

Proac�ve Financial Alliance Cesar Lopez

ProAssurance David Goss

Professional Agents Resources, Inc. Andrew Kasow

Pruden�al Advisors Edgar ChaconMichael CojoceaMitch CorchesMark ForgioneDelvin JoyceRobert KelleyHumberto LopezHector LunaCheri LunnJorge MachadoJavier Mar�nez-HernandezRonald MartucciRicardo Morales-GomezIsidro NavaKala NeilsonDiego PascuaPhilippa RoxburghJuan RuizJose SevillaSamuel ShirleyRoberto TorokBenjamin Vilchez

Quantum Alliance Jose Gonzalez

R. Wine Ins. Agency Inc. Richard Wine

Ray Murphy & Assoc., Inc. Ramon Murphy

Richard M. Gonzalez Insurance Agency, Inc Richard GonzalezRiemer Insurance Group Inc. Stephen Riemer

Rosenthal Agency, Inc. Aymara GolanRichard RosenthalRobert Rosenthal

Rothaus Insurance Group Martha Rothaus

Sara Gonzalez-Lopez, Associates Sara Gonzalez-Lopez

SC&J Rivero Insurance, inc. Ramses Rivero

Sergio Herrera Ins Agency Inc Sergio Herrera

12 www.naifamiamidade.org

Silverman Financial Marc Silverman

Singer Insurance Services Arlene Singer

South Bay Partners LLP Bart Kavanaugh

South Florida Branch Teofilo Gonzalez

South Florida Group Kristoffer DouraPercy Avetrani

Southern Farm Bureau Life Insurance Harold ArveEduardo MunozRay Timmons

State Farm Raul DespianGustavo FigueredoLakitsia GainesFrank LangHope RemondetJanice RowtonCarla Street

State Farm Ins. Agcy.Luis AndujasJimmy Burkhart

State Farm Ins. Co.Gustavo Cisneros

State Farm Insurance Tonya Baker-TurnerJohn HollowayT. MeroniEllie MillsRicardo Sanchez

State Farm Insurance Agency Richard BurkeIris Lopez

State Farm Insurance Companies Misline AllanMaria Elena CisnerosCarl HughesManuel MorinMario ObregonRuben Sanchez

Sterling Benefits Group LLC Odalis Lopez

Succession Group Peggy Hollander

Sun Financial Group Gladys Calienes

Thrivent Financial Keith BermanCur�s LanoueSara MercadoMaria Solorzano

Transamerica Nane�e ArencibiaMarcelus BelozierEmmanuel Bicho�eAlvis CharlesAnna GumbsArthur HallLuckny JosephMandy MarcyCassandra Mc CrayJames PennKaren ReshardLinessa ReyesFranklyn SolanoDoris ThomasMonthea Young

Travis Agency, Inc. Ann Travis

Trinity Financial Steven Hennessy

Universal Insurance Brokers Corp. Armando Lavina

Urru�a Agency Daniel Biggs

V L Davis-Bailey Ins Agency Inc Valerie Davis-Bailey

Vivianne M. Alvarez Ins. Agy Vivianne Alvarez

VL Davis-Bailey Ins Agcy Inc ShaShauna Jones

Winer Insurance Marco Winer

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World of America Global Partners Ana ArguelloAlina Garcia-Barbon

Company Unlisted

Daniel AlonsoEsther CabadoPedro ChacinAndy FernandezJulian GoldsteinGlenn HubermanLynn KasowDiane Mack-BerkAndreina ManeiroAlejandro MasferrerHelena NathLynn PadroTanya PagesGerman PlasenciaRita RivasBradley RosenHoward SchachterPavel TenenbaumFrancisco Torres De NavarraLaura TraegerRyan Tuff Ani VictorianoMarcela ViecoBarry WalesSaul Zitner

14 www.naifamiamidade.org

By joining NAIFA and becoming involved in our association, I grew my business and became a better advisor, serving my clients with the knowledge and experience that they deserve.

My experience with NAIFA taught me the value of our industry, its accomplished leaders, and how congressional legislation impacts the lives of our clients and our own bottom line.

As a NAIFA member, I continue to take advantage of programs only available to NAIFA members, including LILI, the Leadership in Life Institute. Without NAIFA, I would not have had the leadership experi-ence, the business growth opportunities and the personal friendships I have enjoyed throughout my career.

NAIFA continues to support the growth of our industry and protects the future of our profession and the clients we represent.

Cindy Bong, CLTC, LUTCFCindy Bong Insurance Agency, LLCHartland, WINAIFA Member Since 1997

I GREW MY BUSINESS AND BECAME A BETTER ADVISOR“ ”

Get the rest of the story at

www.NAIFA.org/IAvoice

www.naifamiamidade.org 15

The Membership of NAIFA-Miami Dade: Alphabe�cal Lis�ng

Please review your lis�ng. If there are any changes or updates, please login to www.naifa.org or contact NAIFA Member Services at 877-TO-NAIFA.

Deborah M. Abbo�American General Life & Accident Insurance Company2021 Tyler St.102Hollywood, FL 33020(954) 920-0439debbieabbo�94@yahoo.com

A. Mar�n Abern, CLU, ChFCAbern Financial1500 San Remo, Suite 250Coral Gables, FL 33146(305) 665-1688abernfinancial@aol.com

Andrew AcebalAXA Advisors, LLC9130 S Dadeland Blvd.Suite 1400Miami, FL 33156(305) 670-3793andrew.acebal@axa-advisors.com

Allen A. Albrecht, CLU, CFPLakes Consul�ng Firm, Inc.17110 SW 62nd StreetSW Ranches, FL 33331-1765(305) 558-8657aalbrecht@sammonsrep.com

Misline AllanState Farm Insurance Companies255 NE 3 DrHomestead, FL 33030(305) 247-8031misline.allan.ccs4@statefarm.com

Luiz Almeida Dos SantosMidland Na�onal Life Ins31 SE 5th3205Miami, FL 33131(786) 553-8099luiz.almeida.santos.insurance@gmail.com

Daniel Alonso3138 Commodore PlazaCoconut Grove, FL 33133(305) 444-0304daniel.alonso4508@gmail.com

Nelson V. AlvaradoNew York Life Insurance Company3750 NW 87 Ave Ste 500Doral, FL 33178(786) 275-1345nalvarado@�.newyorklife.com

Vivianne M. AlvarezVivianne M. Alvarez Ins. Agy10538 SW 8th StMiami, FL 33174(305) 225-4222vivianne.alvarez.jm89@statefarm.com

Luis AndujasState Farm Ins. Agcy.10120 SW 40th StMiami, FL 33165(305) 227-3555luis.andujas.LR6Y@statefarm.com

Nane�e M. ArencibiaTransamerica8750 NW 36 St.260Doral, FL 33178(203) 419-7936nmarencibia@aol.com

Ana Lucia Arguello, CPIA, LUTCFWorld of America Global Partners8621 SW 93 CtMiami, FL 33173(786) 388-8757aa@woagp.com

16 www.naifamiamidade.org

www.naifamiamidade.org 17

Rafael Arias, LUTCF, RHUBMI Financial Group8950 S.W. 74 Ct., 24 FloorMiami, FL 33156(305) 443-2898

Harold Roy Arve, Jr.Southern Farm Bureau Life Insurance24355 SW 167 AveHomestead, FL 33031-1327(305) 247-5234haldc�@hotmail.com

Jason G. AuricchioNorthwestern Mutual201 Alhambra Cir #703Miami, FL 33134-5108(305) 351-3372jason.auricchio@nm.com

Percy J. AvetraniThe South Florida Group201 Alhambra Circle Ste 703Miami, FL 33134-5108(305) 351-3389percy.avetrani@nm.com

Leon A. Avila, LUTCFAvila Investments & Insurance5901 SW 74th St., #302Miami, FL 33143(305) 669-4444leonaavila29@hotmail.com

Leon R. AvilaAvila Investments & Ins Corp.5901 S.W. 74 Street #302Miami, FL 33143 (305) 669-4444LRAvila@avilains.com

Dawn L. BairdDada County Farm Bureau1850 Old Dixie HwyHomestead, FL 33033-3298(305) 247-5234dawn.baird@�ic.com

Tonya Baker-TurnerState Farm Insurance4928 S.W. 165 AveHollywood, FL 33027(305) 819-1500tonya@tonyabaker.com

Jorge Luis BarceloNew York Life3750 NW 87 AvenueSuite 500Miami, FL 33178-2433(305) 640-0329jbarcelo@�.newyorklife.com

Liliana BaronNew York Life3750 N.W. 87 Ave., Ste. 500Miami, FL 33178(305) 263-1400elbaron@�.newyorklife.com

Luis O. Barrionuevo, CLU, CHFC, LUTCFPrincipal Financial Group173 Cameron DrWeston, FL 33326-3514(954) 885-5111barrionuevo.lou@principal.com

Marcelus BelozierTransamerica7300 Corporate Center Dr.302Miami, FL 33126(305) 477-6554bmarcelus5074@comcast.net

Guy Ben-Shalom, MSA, LUTCFGBS Agency, Inc.2155 NE 163rd ST.North Miami Beach, FL 33162(786) 408-0440guy@gbsagency.com

Gabriela M. Benarroch, MBANew York Life3750 N.W. 87 Ave, Ste 500Miami, FL 33178(786) 275-2259gbenarroch@�.newyorklife.com

Jose M. BerenguerJ. M. Berenguer & Associates, Inc.2929 SW 3rd Ave Ste 220Miami, FL 33129(786) 497-0901jmb@berenguergroup.com

Ingrid BergesNew York Life11020 N Kendall Drive100Miami, FL 331767862751333 ext 105iberges@�.newyorklife.com

Keith D. Berman, FICThrivent Financial11020 N Kendall Dr Ste 108, Miami, FL 33176-1217(305) 596-6730 ext: 101Keith.Berman@Thrivent.com

Edgar BernalArven Financial2 S. Biscayne Blvd2200Miami, FL 33131(786) 315-4551ebernal@arvenfinancial.com

Claudio M. BeruvidesAllstate Life Insurance Company9450 NW 41st St.Ste 300Miami, FL 33178(305) 788-1318cberc@allstate.com

Emmanuel R. Bicho�eTransamerica7300 NW 19 St.302Miami, FL 33126(305) 477-6554emmanuel.bicho�e@gmail.com

Daniel J. Biggs, FICF, LUTCFUrru�a Agency5010 SW 91 AvenueMiami, FL 33165(305) 720-9220daniel.biggs@kofc.org

Michael A. BlancoAllstate Financial Services, LLC13899 Biscayne Blvd., Ste. 146North Miami Beach, FL 33181-1650(305) 702-6415michaelblanco@allstate.com

Marilyn M. Blosser, LUTCFBlosser Financial Service Inc.13305 S.W. 109 CourtMiami, FL 33176-6009(305) 251-5111mmb@blosserfinancial.com

Ignacio BorbollaAllstate NEO320 Sevilla Ave, Suite 202Coral Gables, FL 33134(305) 444-7575Iborbolla@allstate.com

James A. Bouterse, CLU, ChFC, LUTCFBouterse Financial Services3939 Hollywood Blvd., Suite 1AHollywood, FL 33021(954) 963-0609JBouterse@BellSouth.net

George H. Braddock, II, CLTCLTC Financial Partners9832 S.W. 196th StreetMiami, FL 33157-8664(305) 378-8091george.braddock@ltcfp.net

Domingo R. BravoBravo Insurance Group1201 SW 87 AveMiami, FL 33174-3306(305) 262-2421a024138@allstate.com

Guy J. Brickman, CLU, ChFCBrickman Insurance & Financial Services, Inc12040 Piccadilly PlDavie, FL 33325-5231(305) 822-6921gbrickman1@aol.com

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www.naifamiamidade.org 19

Donald Allan Brown, CLU, ChFC, LUTCFBrown & Associates6675 S.W. 90 CourtMiami, FL 33173(305) 273-7673donbrown@bellsouth.net

Richard W. BurkeState Farm Insurance Agency2250 S. Dixie Hwy., Ste. 2Miami, FL 33133(305) 860-0616Rick.burke.L8L1@statefarm.com

Jimmy Burkhart, LUTCFState Farm Ins. Agcy.10709 SW 104TH StMiami, FL 33176(305) 273-0211jimmy.burkhart.jm86@statefarm.com

Pedro J. BusseP. J. Busse Insurance & Financial Services3750 NW 87th Ave Ste 500Miami, FL 33178-2433(786) 275-1355pbusse@�.newyorklife.com

Ana T. Busse-ArvesuNew York Life3750 NW 87th AveDoral, FL 33156(305) 632-7096aarvesu@�.newyork.com

Esther M. Cabado4095 SW 134 AveMiami, FL 33195(305) 975-8611estherg32@aol.com

Mercedes CabreraAmerican General Life & Accident Insurance Company2021 Tyler St, Ste 102Hollywood, FL 33021(305) 525-7050protegetuvida@yahoo.com

Ileana Cabrera-RodriguezCabrera-Rodriguez Ins. Agcy.1925 Ponce De Leon BlvdMiami, FL 33134(305) 529-9966ileana.cabrera-rodriguez.cyzb@statefarm.com

Lourdes CalasNew York Life3750 NW 87th Ave Ste 500Miami, FL 33178(305) 772-4807lcalas@�.newyorklife.com

Gladys CalienesSun Financial Group4103 Anderson RoadCoral Gables, FL 33146-1224(201) 348-0916gladyscalienes@gmail.com

Juan Elias Calles, CLU, ChFCAmeritas626 Coral Way #1504Miami, FL 33134-7509(305) 442-4623 x 11jecalles@callesfinancial.com

John Elias Calles, JD, CLU, ChFCAmeritas2655 LeJeune Rd. PH-2Coral Gables, FL 33134-5832(305) 442-4623jcalles@callesfinancial.com

Fernando E. CamposNew York Life4691 NW 112th CtCity of Doral, FL 33178(305) 513-4603fecampos@�.newyorklife.com

Bernie CarrBernie Carr Ins. Agency, Inc.12600 SW 120th StSuite 108Miami, FL 33186-9066(305) 233-6101bernie.carr.cj2o@statefarm.com

20 www.naifamiamidade.org

Rachel C. CarrNew York Life1300 Concord Tr.5th FloorSunrise, FL 33323(815) 742-8384rcarr02@�.newyorklife.com

Francisco J. Carreras, LUTCFBenTrust Financial7250 S.W. 102 StreetMiami, FL 33156(305) 444-8350�c@bentrust.com

Andrew CarrilloBarne� Capitol Advisors1450 Brickell Avenue#2780Miami, FL 33131(305) 328-8538andrew.carrillo@barne�capitaladvisors.com

Dalgis CastanedaAllstate Life Ins Co/NY9850 NW 41st StreetSuite 300Miami, FL 33178(305) 321-7867ch633@allstate.com

Hugo Castro, CFP, CLU, ChFC, LUTCFAXA Advisors12451 SW. 76 St.Miami, FL 33183(305) 670-3768hugo.castro@axa-advisors.com

Pedro Chacin90 Edgewater Dr # 415Coral Gables, FL 33133(305) 332-0002pedro.chacin.mba@gmail.com

Edgar ChaconPruden�al Financial2 Alhambra Plaza #1050Coral Gables, FL 33134(305) 420-2643edgar.chacon@pruden�al.com

Alvis T. CharlesTransamerica8750 NW 36 St.260Doral, FL 33178(786) 336-0725calvisch@gmail.com

Dennis O. CharleyDennis Charley & Assoc., Inc.2805 SW 132 WayDavie, FL 33330-1234(954) 349-7103dcharley@dennischarley.com

Jonathan CheaNorthwestern Mutual Financial Network500 E Broward BlvdSuite 2000Fort Lauderdale, FL 33394(305) 303-6770jonathan.chea@nm.com

Luis G. Chiappy, CLU, ChFC, CFPAXA Advisors, LLC880 Jeronimo DrCoral Gables, FL 33146-1271(305) 670-3736luis.chiappy@axa-advisors.com

Maria Elena CisnerosState Farm Insurance Companies9415 Sunset DrSuite101Miami, FL 33173-5493maria.cisneros.cywb@statefarm.com

Gustavo A. CisnerosState Farm Ins. Co.1700 Ponce De Leon Blvd.Coral Gables, FL 33134(305) 826-8222gus.cisneros.pu1o@statefarm.com

Carlos G. CisnerosAllstate Life Insurance Company11540 Sunset DrMiami, FL 33173(305) 595-5668cisneros@allstate.com

www.naifamiamidade.org 21

Arthur R. CohenArthur Cohen Insurance, LLCOne Biscayne Tower2 South Biscayne Blvd #3760Miami, FL 33131(305) 595-0001arthcohen@aol.com

Michael Cojocea, LUTCFPruden�al Financial2 Alhambra PlazaSuite 1050Coral Gables, FL 33134(305) 420-2658michael.cojocea@pruden�al.com

Juan F. ColaoJuan F. Colao Ins. Agcy., Inc.15680 N Kendall Dr.Ste 200Miami, FL 33196-1160(305) 386-1650juan.f.colao.jyq8@statefarm.com

Olga M. Comas RedondoNew York Life3750 NW 87 Ave.500Doral, FL 33178(305) 268-1400olgacomas15@gmail.com

Juan Carlos ComendeiroDI Broker100 Miracle Mile, Ste. 250Coral Gables, FL 33134(305) 519-5506juan@dibroker.com

Wayne P. Cooper, CLU, CHFC, MSFS, LLMAXA Advisors, LLC9130 S Dadeland Blvd, #1400Miami, FL 33156(305) 670-3720wayne.cooper@axa-advisors.com

Mitch CorchesPruden�al Financial2 Alhambra Place1050Coral Gables, FL 33134(305) 338-8611mitch@corches.us

Nora E. CorpBest Meridian Ins. Co.2682 S.W. 118th Ct.Miami, FL 33175(305) 443-2898ncorp@bellsouth.net

Luana Mobley Corral, CFP, CFS, CLTCInvestacorp, Inc.2000 Atlan�c Shores BlvdApt 309Hallandale, FL 33009-3706(954) 983-5600lcorral@bellsouth.net

Raoul A. CorreaInsurance Advisors & Administrators Inc.11050 N Kendall Dr.106Miami, FL 33175(305) 595-8736Acorrea@insuranceadvisors-adm.com

Juan L. CosioNew York Life Insurance Co.12213 SW 102 TerraceMiami, FL 33186-2520(786) 275-1330jlcosio@�.newyorklife.com

Soledad CoteBMI Financial Group13321 SW 88 Terr Apt. DMiami, FL 33186-1779(305) 443-2898scote@bmicos.com

Jennifer M. CoutoParamedical Solu�ons of S Fla, Inc13331 SW 114th CtMiami, FL 33176-0804(305) 378-9538jjexams@bellsouth.net

22 www.naifamiamidade.org

Lance Sco� CrawfordNew York Life13930 S.W. 174 StreetMiami, FL 33177-7713(786) 275-1350crawfordl@�.newyorklife.com

Milagros CrespoAllstate Life Insurance Company18994 W Dixie HwyMiami, FL 33180(305) 932-0056mcrespo@allstate.com

Berta CupermanNew York Life14409 3215 NE 184th StMiami, FL 33160(305) 450-3603bcuperman@�.newyorklife.com

Lionel Dylan D’AdeskyNorthwestern Mutual100 SE 2nd StreetMiami, FL 33131(202) 549-8918dylan.dadesky@nm.com

Emmanuel DamiscarAGLA - American General12020 N. W. 20th Ct.Miami, FL 33167-2037(305) 477-9352damiscar@s�s.net

Valerie L. Davis-BaileyV L Davis-Bailey Ins Agency Inc3180 Commodore PlazaMiami, FL 33133-5818(305) 448-5655valerie.davis-bailey.cmya@statefarm.com

Ismael DelgadoAllstate NEO8290 Bird Road Suite 106Miami, FL 33155305-227-1596ismaeldelgado@allstate.com

Jocelyn DesadaHorizons Insurance12555 Orange DrivePembrook Pines, FL 33330(954) 862-1735jocelyn@thehorizonfiancial.com

Michelle P. DesjardinsAllstate Life Insurance Company18383 NE 18th RdMiami, FL 33179(305) 974-5426mpDesjardins@allstate.com

Raul Despian, LUTCFState Farm5331 NW 189th StreetMiami, FL 33055(305) 793-9952raul.despian.pjd1@statefarm.com

Mario A. Diaz, LUTCF, CLTCHealth Family Insurance15280 N.W. 79 Ct., Ste. 103Miami Lakes, FL 33016(305) 822-0783mdiaz23@yahoo.com

Jim DiazJim Diaz Insurance Agency13550 SW 88 St, Ste # 294Miami, FL 33186(305) 385-6696jim.diaz.ppyz@statefarm.com

Arturo A. DopazoNew York Life3750 N.W. 87 Ave., Ste. 500Miami, FL 33178(786) 275-1381aadopazo@�.newyorklife.com

Kristoffer DouraSouth Florida Group100 SE 2nd StMiami, FL 33132(786) 531-5419kdoura1@gmail.com

www.naifamiamidade.org 23

Joshua K. Dove, IIICypress Financial1 Alhambra PlazaMiami, FL 333134(305) 446-3268

Robert H. Downey, CLU, ChFCNorthwestern Mutual13418 S.W. 113 TerraceMiami, FL 33186(786) 236-8060bob.downey@nm.com

Chuck Downs, Jr., CFPNorthwestern Mutual155 Ocean Lane Drive#1100Key Biscayne, FL 33149(305) 373-3738

Timothy T. Edbrooke, CLU, ChFCNorthwestern Mutual Life2875 NE 191st StreetSuite 300Aventura, FL 33180(305) 760-9912�m.edbrooke@nm.com

Chris EilersJohn Hancock14160 Palme�o Frontage RdSuite 12Miami Lakes, FL 33016(305) 824-8727ceilers@jhnetwork.com

Jacob EljauaAllstate Life Insurance Company10200 NW 25 StMiami, FL 33172(305) 591-6919ejacob@allstate.com

Philip R. Engelmann, CLU, ChFCMetlife Premier Client Group of Florida806 S Douglas RoadSuite 800Coral Gables, FL 33134(305) 929-5340pengelmann@miami.nef.com

Edward W. English, Sr.Independent822 Mariana AvenueCoral Gables, FL 33134-2414(305) 448-5374ewejse@bellsouth.net

Jeffrey M. EpsteinThe Penn Mutual Life Insurance Company9024 SW 152nd StMiami, FL 33157-1928(305) 234-6066jean.whitaker@comcast.net

Michael J. Eskra, CLU, RHUDI Broker100 Miracle Mile Ste. 250Coral Gables, FL 33134-5406(305) 448-0100MikeSr@DIBroker.com

Peter G. EskraDI Broker2716 GranadaCoral Gables, FL 33134-5552(305) 448-0100peter@diboker.com

David R. Eskra, Ph.D, MBAdibrokereast/Eskra & Associates100 Miracle Mile, Ste 250Miami, FL 33134(305) 448-0100david.eskra@dibrokereast.com

Alberto M. Espinosa, CLU, LUTCFAME Insurance InsurPro LLC16234 Sw 94 StMiami, FL 33196(305) 387-1612Albert@InsurProUSA.com

Yve�e FaderModern Woodmen of America9036 SW 113 Place CR. EMiami, FL 33176(954) 482-0051Yve�e.Fader@mwarep.org

24 www.naifamiamidade.org

Valerie FairningtonAllstate Life Insurance Company9404 S Dixie HwyMiami, FL 33156(305) 670-6212valerie@allstate.com

Joe L. FernandezFendz Asset Mgnt2997 Day AveCoconut Grove, FL 33133(305) 562-1944jfernandez@fendzusa.com

Andy Fernandez7480 Bird Rd #560Miami, FL 33155(305) 443-1178afernandez@sfgb.org

Ma�hew J. FerraraNorthwestern Mutual Financial Network201 S. Biscayne Blvd., Ste. 900Miami, FL 33131(305) 375-7695ma�hew.ferrara@nm.com

Gustavo L. FigueredoState Farm7950 W. Flagler St Ste 103Miami, FL 33144-2206(305) 262-0440gus.figueredo.jrme@statefarm.com

Arthur A. Finkle, CLU, ChFCArthur A. Finkle & Assoc.315 Casuarina ConcourseCoral Gables, FL 33143-6507(305) 442-2003arthurfinkle@hotmail.com

Mark P. Forgione, LUTCFPruden�al FinancialP. O. Box 562440Miami, FL 33256-2440(305) 232-2036markforgione@bellsouth.net

Kris�n N. FranciscoThe Downs Group201 S. Biscayne Blvd., Ste. 900Miami, FL 33131-5345(305) 415-8558

Joseph F. Fuentes, LUTCFFuentes & Associates, Corp.P.O. Box 832943Miami, FL 33283(305) 790-7099jfinsurance@aol.com

Lakitsia GainesState Farm6704 S.W. 80 StreetMiami, FL 33143(305) 661-4213lakitsia.gaines.qyfi@statefarm.com

Claudia Patricia GallegoClaudia Gallego10221 SW 128 StreetMiami, FL 33176(786) 269-4198claudia.Gallego@thrivent.com

Alina Garcia-BarbonWorld of America Global Partners, LLC703 Waterford Way Ste 560Miami, FL 33126(786) 388-8757agb@woagp.com

Carlos GaviriaJohn Hancock Financial Services1101 Brickell Ave.16 Floor, North TowerMiami, FL 33131(305) 266-6300cgaviria@jhnetwork.com

Mauricio A. GiraldoHorizons Insurance & Financial Services12401 Orange DrSuite 130Davie, FL 33330(954) 862-1735mauricio@thehorizonsfinancial.com

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Diego GiraldoHorizons Financial12555 Orange Dr.205Davie, FL 33330(954) 862-1735diego@thehorizonsfinacial.com

Aymara E. Golan, FLMIThe Rosenthal Agency, Inc.11255 SW 47 TerraceMiami, FL 33165-5551(305) 412-0800aymara@therosenthalagency.com

Julian Goldstein, CLU, ChFC611 Ocean DriveApt 2EKey Biscayne, FL 33149-2315(305) 858-8734juliangoldstein@bellsouth.net

Howard D. Goldstein, CLU, ChFC, CLAHoward D. Goldstein, CLU, ChFC901 Ponce De Leon BlvdSuite 304ACoral Gables, FL 33134-6201(305) 444-5556hdg@hdgfinancial.com

Kris� Harmony GomezMassMutual Financial Group2103 Coral WaySuite 721Miami, FL 33145(305) 803-4751kris�gomez@financialguide.com

Richard M. GonzalezRichard M. Gonzalez Insurance Agency, Inc12765 S.W. 99 CourtMiami, FL 33176-4819(305) 226-3412rick.gonzalez.cum4@statefarm.com

Teofilo L. Gonzalez, CFP, MBASouth Florida Branch9130 S. Dadeland Blvd #1400Miami, FL 33156-7850(305) 670-8589teofilo.gonzalez@axa-advisors.com

Jose I. Gonzalez, CLU, LUTCFQuantum Alliance5805 Blue Lagoon Dr, Ste 280Miami, FL 33126-2056(305) 447-8404ignacio@qaionline.com

Jackie GonzalezNorthwestern Mutual1000 Corporate Dr Ste 290Ft. Lauderdale, FL 33334(754) 557-7051jackie.gonzalez@nm.com

Adriana GonzalezCombined Worksite Solu�ons822 Briar Ridge RdWeston, FL 33327(954) 495-3811adriana.gonzalez@combined.com

Sara Gonzalez-LopezSara Gonzalez-Lopez, Associates7425 S.W. 129 Ct.Miami, FL 33183(305) 265-3118glinsgroup@aol.com

Judith D. GordonInsurance Quote Interna�onal1550 Madruga AveSuite 100Coral Gables, FL 33146-3061(305) 666-7877iqi@bellsouth.net

David R. GossProAssurance2801 SW 149th Ave #200Miramar, FL 33027-4166(800) 222-5115

Richard H. GrabowskiGrabowski Ins. Agcy., Inc.9000 SW 152nd St #103Palme�o Bay, FL 33157(305) 253-7604rickgrabowski@allstate.com

Gerald C. Grant, Jr., MBAAXA Advisors, LLC8560 SW 166 St.Miami, FL 33157-0414(305) 670-4679gerald.grant@axa-advisors.com

Rosemary GuilfoyleNew York Life3750 NW 87th Ave Ste 500Miami, FL 33178rguilfoyle@�.newyorklife.com

Charlene GuisasolaThe Penn Mutual Life Insurance Company13611 S Dixie HighwaySte 109-456Coral Gables, FL 33134(305) 443-1227cguisasola@htk.com

Anna N. GumbsTransamerica8750 NW 36th Street Ste 260Doral, FL 33178(786) 336-0725anna.gumbs@transamericanetwork.com

Cecilia Gu�errezNew York Life1300 Concord Terr., 5 FloorSunrise, FL 33323(954) 958-4181cgu�errez@�.newyorklife.com

Robert Joseph Gu�errezAruen Financial2 S. Biscayne BlvdMiami, FL 33131(786) 315-4703rgu�errez@aruenfinancial.com

John G. Haagensen, FICMHG Services Inc.1600 S.E. 17 St., Ste 410Fort Lauderdale, FL 33316-1717(954) 548-3590johnh@mhgmarine.com

Jeff D. Hackmeier, LUTCF, CSAJeff D. Hackmeier & Associates, Inc.12000 Biscayne BlvdSuite 506North Miami, FL 33181-2725(305) 893-4488jdhackmeier@aol.com

Arthur Lee HallTransamerica7300 NW 19st Ste 302Miami, FL 33126(305) 477-6554arthur.hall@transamericanetwork.com

Tomas HauffAXA Advisors9130 S Dadeland Blvd #1400Miami, FL 33156(305) 670-3737tomas.hauff@axa-advisors.com

Bill HelbigBill Helbig Insurance Agency, Inc10240 SW 56 StreetSuite 104Miami, FL 33165-7066(305) 595-8300bill.helbig.bgyr@statefarm.com

Ene�e Nelson Henderson, AICEne�e Henderson Agency152 NE 167th St #405Miami, FL 33162(305) 949-8669ene�e.henderson.q0gb@statefarm.com

Steven P. Hennessy, MBA, LUTCFTrinity Financial7642 SW 169th StreetMiami, FL 33157-4820(305) 233-7751sphennessy@aol.com

Montel HerardAmerican General Life & Accident Insurance Company2021 Tyler St.102Hollywood, FL 33020(954) 920-0439mherard@hotmail.com

26 www.naifamiamidade.org

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Luis Alberto HernandezLinq Financial Group2100 Ponce De Leon Blvd., Ste. 600Coral Gables, FL 33134(305) 648-2445LAHernandez@financialguide.com

Carlos Hernandez, Jr.Linq Financial Group2100 Ponce DeLeon Blvd., Ste. 600Miami, FL 33134(305) 648-2445chernandez@financialguide.com

Jose HernandezExamsolu�ons6915 SW 57 Ave.222Coral Gables, FL 33143(305) 992-8889Joe.hernandez@examsolu�ons.co

Derek P. HernandezNew York Life3750 NW 87 Ave500Doral, FL 33178(786) 546-9284dphernandez@�.newyorklife.com

Sergio O. HerreraSergio Herrera Ins Agency Inc12002 S.W. 128 Ct., Ste. 101Miami, FL 33186-4641(305) 382-5555sergio@herreraagency.com

Neal A. Hirsch, FICNeal Hirsch Insurance11615 S.W. 110 RoadMiami, FL 33176(305) 271-0031nhirsch@nealhirschinsurance.com

Michael HochmanArven Financial2 South Biscayne Blvd Ste 2200Miami, FL 33131(786) 272-7096mhochman@massmutualbrokerage.com

Peggy M. Hollander, CPAThe Succession Group2121 Ponce DeLeon Blvd#420Miami, FL 33134-6044(305) 447-0070phollander@succession-group.com

John Craig Holloway, CLU, ChFCState Farm Insurance802 SW 36th Avenue.Boynton Beach, FL 33435-8514(954) 494-3351craig.holloway.g6by@statefarm.com

Glenn W. Huberman9024 SW 152nd St.Miami, FL 33157-1928(305) 233-3009ghuberman@gmail.com

Carl Jim Hughes, CLU, LUTCFState Farm Insurance Companies18330 Franjo RoadPalme�o Bay, FL 33157(305) 233-4242jim20330@aol.com

Roger A. Huxman, CLUJohn Hancock7500 SW 126th StMiami, FL 33156-6012(305) 665-2622roger.huxman@taiadvisor.com

Paul S. Indianer, CLU, ChFC, TGPCFinancial Educa�onal Systens, Inc7851 SW 143 StreetMiami, FL 33158-1518(305) 233-3536

Douglas M. JacobsDouglas M. Jacobs & Associates16499 N.E. 19 Ave., Ste. 217N. Miami Beach, FL 33162(305) 944-0606djacobs613@aol.com

Jose G. JimenezAll Star Capital Group, Inc.14707 S Dixie Hwy#306Miami, FL 33176-7952(305) 252-0113ascgjimenez@bellsouth.net

Karol JimenezLaser Financial Group2875 NE 191st Street300Aventura, FL 33180(305) 400-0329karol.jimemz@nm.com

Edgar C. JonesMassMutual/DBS Financial Group1000 Corporate Drive#700Fort Lauderdale, FL 33334(954) 689-9532cooperjones@gmail.com

ShaShauna T. Jones, LTCPVL Davis-Bailey Ins Agcy Inc3180 Commodre PlazaMiami, FL 33133(305) 448-5655shashauna.jones.qa9h@statefarm.com

Luckny JosephTransamerica8750 NW 36 St.260Doral, FL 33178(786) 336-0725larsenjoseph30@yahoo.com

Delvin L. Joyce, CLU, ChFCPruden�al560 Village Blvd Ste 100West Palm Beach, FL 33409-1963(561) 207-3189delvin.joyce@pruden�al.com

Andrew M. Kasow, CLU, ChFCProfessional Agents Resources, Inc.420 S.W. 28 RoadMiami, FL 33129786-360-6165Andrew.Kasow@Professional-Agents.com

Lynn Kasow420 SW 28th RoadMiami, FL 33129(786) 360-6165lynn.e.duffy@gmail.com

Bart Kavanaugh, CLU, ChFCSouth Bay Partners LLP6799 Collins AveUnit 5906Miami Beach, FL 33141(212) 315-5900Cordella.Christopher@southbaypartners.com

Robert W. Kelley, LUTCFPruden�al Ins. CompanyPO Box 410520Melbourne, FL 32941-0520(305) 951-9856bobmdrt@yahoo.com

John M. KennedyNew York Life3750 N.W. 87 Ave., Ste. 500Miami, FL 33178(305) 263-1400jmkennedy@�.newyorklife.com

Jerome S. Kirstein, QPFC, CLU, ChFC, CLTCPension Investors Corpora�on3939 Hollywood BlvdSuite 1-AMiami, FL 33021(954) 986-8688 x209jkirstein@pensioninvestors.com

Ed R. Knox, CLU, CLTCKnox Financial Team201 Alhambra Circle - 703Coral Gables, FL 33134(305) 677-0652knoxed@bellsouth.net

Thomas G. Krach, LUTCFColumbus GO1300 Concord Terrace, 5th FloorFort Lauderdale, FL 33323(954) 958-4293tkrach@�.newyorklife.com

28 www.naifamiamidade.org

www.naifamiamidade.org 29

Arthur KulickASI Ins. Brokerage247 SW 8th ST #103Miami, FL 33130(305) 789-6659akulick@asiworldfinancial.com

Craig A. LanceNa�onal Planning Corpor�on2 S. Biscayne Blvd Ste 1740Miami, FL 33131(305) 777-1698calnole1@aol.com

Robin S. Landers, CLULanders-Stein & Associates4970 SW 72 AvePH-107Miami, FL 33155-5558(305) 665-8161insured@landers-stein.com

Frank Lang, CLU, ChFC, CPCU, CFPState Farm5300 NW 87 Av NWMiami, FL 33378(786) 566-0029frank.lang.cnw7@statefarm.com

Cur�s S. LanoueThrivent Financial11020 N. Kendall Dr.108Miami, FL 33176(305) 479-5448cur�s.lanoe@thrivent.com

Erica I. LarsonNew York Life1300 Concord Tr.5th FloorCocnut Creek, FL 33323(954) 803-8868elarson@�.newyorklife.com

Armando J. LavinaUniversal Insurance Brokers Corp.8490 SW 58 StreetMiami, FL 33143-1506(305) 644-1000administra�on@uibglobal.com

Jerry M. LefflerJerry M. Leffler & Associates259 East Enid Drive#59Key Biscayne, FL 33149(305) 361-8167jerryleffler@a�.net

Joel J. G. Lehman, CLUMetLife Premier Client Group806 S Douglas Rd Ste 800Miami, FL 33134-2081(305) 929-5391kklehman2@comcast.net

Ruben LevismanLaser Financial Group2875 NE 191 Street, # 300Aventura, FL 33180(305) 400-0324ruben.levisman@nm.com

Darling J. Lie-Nielsen, MDRT, CLTCNorthwestern Mutual201 Alhambra Cir., Ste. 703Coral Gables, FL 33134(305) 375-7696darling.LN@nm.com

Mar�n David LonCypress Financial Group806 Douglas RdSuite 800Miami, FL 33134(305) 929-4807mar�nlon@me.com

Iris LopezState Farm Insurance Agency2700 S.W. 3 Ave., Ste 1-AMiami, FL 33129-2318(305) 858-5553iris.lopez.qm74@statefarm.com

Odalis M. Lopez, CFPSterling Benefits Group LLC1673 SW 67th AveMiami, FL 33155-1827(305) 677-9283odalis@sterlingbenefitsgroup.net

30 www.naifamiamidade.org

Cesar R. LopezProac�ve Financial Alliance8456 NW 111th CtMiami, FL 33178(305) 794-7774911clq@gmail.com

Humberto LopezPruden�al2 Alhambra PlazaCoral Gables, FL 33134-5202humberto.lopez@pruden�al.com

Raul E. LoysAetna Life Insurance1571 Sawgrass Corporate PkwyThird FlSunrise, FL 33323(305) 582-9315loysr@aetna.com

Hector LunaPruden�al Financial2 Alhambra Plaza Ste 1050Coral Gables, FL 33134(785) 547-1212hluna125@yahoo.com

Cheri LunnPruden�al2 Alhambra PlazaCoral Gables, FL 33134-5202cheri.lunn@pruden�al.com

Phillip C. Lyons, CIC, AAIInSource9500 S. Dadeland Blvd., Ste. 400Miami, FL 33156(305) 670-6111plyons@insource-inc.com

Jorge F. MachadoPruden�al Financial2 Alhambra Plaza, Ste. 1050Miami, FL 33134(305) 442-1022jorge.machado@pruden�al.com

William A. MachadoAmerican United Life8095 NW 12th Street Ste 115Doral, FL 33126(305) 974-1760william.machado@cambridgefp.com

Diane Mack-Berk3350 S Dixie HighwayMiami, FL 33133(305) 446-2271dmack@kahn-carlin.com

Domenic Macrina, III, CLU, ChFCAXA Advisors9130 S. Dadelane Blvd., Ste. 1400Miami, FL 33156(305) 670-3796dmacrina@bellsouth.net

Andreina L. Maneiro8456 NW 111 Ct.Doral, FL 33178(786) 543-2275andmanei15@hotmail.com

William ManusAXA Advisors, LLC501 SE Port St. Lucie Blvd.Miami, FL 33156(305) 670-4400william.manus@axa-advisors.com

Patricia P. MaquilonNYL125 Gavilan AveMiami, FL 33143-6557(914) 638-6596pmaquilon@�.newyorklife.com

Deborah MarcusAllstate NEO13802 SW 88th StMiami, FL 33186-1304(305) 385-6661dmarcus@allstate.com

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Mandy L. MarcyTransamerica7300 NW 19 St.302Miami, FL 33126(305) 477-6554marcyleemandy@yahoo.com

David A. Marley, LUTCF, CSACrea�ve Financial Concepts, Inc.18001 Old Cutler Rd Ste 639Village Of Palme�o Bay, FL 33157-6442(305) 663-4545dmarleyjr@financialguide.com

Michael Mar�nezAllstate Life Insurance Company8585 Sunset Dr Ste 106Miami, FL 33143(305) 273-7477michaelmar�nez@allstate.com

Javier Mar�nez-HernandezPruden�al2 Alhambra Plaza Ste 1050Coral Gables, FL 33134(305) 420-2623javi.mar�nez@pruden�al.com

Ronald MartucciPruden�al2 Alhambra PlazaCoral Gables, FL 33134-5202ronald.martucci@pruden�al.com

Alejandro Masferrer9130 S Dadeland BlvdSte 1400Miami, FL 33156(305) 670-4699alejandro.masferrer@axa-advisors.com

Thomas McCrary IIINew York Life1300 Concord Tr.5th FloorSunrise, FL 33323(305) 981-6747tmccrary@�.newyorklife.com

Cassandra McCrayTransamerica7300 NW 19 St.302Miami, FL 33126(305) 477-6554cassandra.mccray@transamericanetwork.com

Jorge MedinaAXA Advisors, LLC9130 S Dadeland BlvdSuite 1400Miami, FL 33156(305) 670-4400jorge.medina@axa-advisors.com

Jorge E. Mercado, LUTCFJorge E. Mercado & Associates2655 Le Jeune Rd.PH-2DMiami, FL 33134-5827(305) 446-1224jem.mercado@comcast.net

Sara Meyer Mercado, FICThrivent Financial218 NE 26th StreetMiami, FL 33137(305) 923-1614sara.mercado@thrivent.com

T. George MeroniState Farm Insurance1801 N. Krome AvenueHomestead, FL 33030(305) 247-3971george.meroni.cp6e@statefarm.com

Samuel MicholMidland Na�onal Life6051 Miramar ParkwayMiramar, FL 33023(954) 842-4906�finvestment@yahoo.com

Jorge MilanesAllstate50 N. Homestead BlvdHomestead, FL 33030(305) 247-8877milanesinsurance@yahoo.com

32 www.naifamiamidade.org

Hilda MillerGuardian14071 Metropolis AveFort Myers, FL 33912(786) 252-4134hmiller@afgfc.com

Richard H. Miller, CLTCDiversified1981 NW 88th CourtMiami, FL 33172(305) 908-6700 x274rmiller@d-u-s.com

Ellie K. Mills, CLU, LUTCFState Farm Insurance19324 SW 79 AveCutler Bay, FL 33157(305) 238-8688ellie.mills.j68g@statefarm.com

Manny MirandaManny Miranda Insurance Agency, Inc.7470 S.W. 105 TerraceMiami, FL 33156-3806(305) 251-8413manny.miranda.cunb@statefarm.com

Hector M. MitreNorthwestern Mutual201 Alhambra Circle, Ste 703Coral Gables, FL 33134(305) 448-5666tmitre@yahoo.com

Raimundo J. Molina Baez, MBACRMSG Insurance ServicesP. O. Box 144998Coral Gables, FL 33114(305) 670-5384rjmolinabaez@yahoo.com

Loyda Molina-PaganNew York Life1300 Concord Terr 5th FlFort Lauderdale, FL 33323(305) 849-4083loyda_molina-Pagan@�.newyorklife.com

David Victor Montes De OcaNorthwestern Mutual201 Alhambra Cir, Ste 703Miami, FL 33134(305) 357-3381david.montesdeoca@nm.com

San�ago MontoyaNew York Life3750 NW 87 Ave500Doral, FL 33178(321) 276-6298smzapata@hotmail.com

Orlando MoraNew York Life3109 W Mar�n Luther King BlvdSuite 402Tampa, FL 33607

Ricardo E. Morales-Gomez, CLTCPruden�al Financial16903 N.W. 69th AvenueHialeah, FL 33015-4267(305) 446-5055ricky.morales-gomez@pruden�al.com

Manuel MorinState Farm Insurance Companies10651 N. Kendall Ste 111Miami, FL 33176(305) 598-5821manny.morin.lr8t@statefarm.com

Robert Clarke MorrisD I Broker6905 Leonardo St.Miami, FL 33146-3709(305) 448-0100clarke@dibroker.com

Rev. Ernest B. Morrow, LUTCFErnmor Benefits Services11030 SW 156 StreetMiami, FL 33157-1255(305) 238-2604ernmor@aol.com

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Keith L. MuellerLincoln Financial Network9 W. Vanderbilt StreetOrlando, FL 32804(954) 447-2048K@yahoo.com

Eduardo MunozSouthern Farm Bureau Life Insurance1850 Old Dixie HwyHomestead, FL 33033-3212(305) 247-5234eduardo.muniz@�ic.com

Ramon B. Murphy, CLU, CFPRay Murphy & Assoc., Inc.7971 N.W. 159 TerraceMiami Lakes, FL 33016(305) 826-1432rbmurphy07@comcast.net

John MurrainLinq Financial2100 Ponce De Leon Blvd.600Coral Gables, FL 33134(305) 648-2469john.murrain@gmail.com

Carlos Alejandro MusibayMassMutual Miami2100 Ponce de Leon BlvdSuite 600Coral Gables, FL 33134(305) 648-2445cmusibay@financialguide.com

Kris�na MuxoNorthwestern Mutual100 SE 2nd St2610Miam, FL 33122(305) 321-7877krismuxo@gmail.com

Helena Nath8750 NW 36th Street#520Doral, FL 33178(305) 302-4545drhnath@gmail.com

Isidro N. NavaPruden�al Financial2 Alhambra Plaza1050Coral Gables, FL 33134(305) 420-2637isidro.nava@pruden�al.com

Robert S. Neale, RHUPAR DI Services, Inc.2701 S. Bayshore Dr., Ste. 600Coconut Grove, FL 33133(305) 860-1044robert.neale@a�.net

Luis A. NecuzeLuis Necuze Insurance Agency, Inc.8290 Bird RdSuite 106Miami, FL 33155(305) 227-1596luisnecuze@allstate.com

Kala NeilsonPruden�al2 Alhambra PlazaCoral Gables, FL 33134-5202kala.neilson@pruden�al.com

Jeffrey E. Newman, CLU, ChFCGuardian Life Insurance Co. of America2 S Biscayne Blvd #1740Miami, FL 33131-1824(305) 371-6333jeffrey_newman@glic.com

Carlos E. Noguera, LUTCFNew York Life18531 Southwest 44th StHollywood, FL 33029-6215(954) 655-3005cnoguera@�.newyorklife.com

Marlene NogueraNew York Life3750 NW 87th Ave Ste 500Doral, FL 33178(786) 275-1300mnoguera@�.newyorklife.com

Juan C. Novas CondeNew York Life3750 NW 87 Ave.500Doral, FL 33178(786) 426-5476jcnovas@gmail.com

Yseni M. NunezInterbrokers8750 NW 36 St.550Doral, FL 33178(305) 499-4360yseni.nunez@interbrokers.us

Roberto A. NunoNorthwestern Mutual201 Alhambra CircleSuite 703Coral Gables, FL 33134(305) 448-5666robert.nuno@nm.com

John J. O’DayCorporate Financial, Inc11220 SW 60 CTMiami, FL 33156(305) 598-0555jo@corpfi.com

Mario Obregon, Jr.State Farm Insurance Companies6701 Sunset Dr., Ste. 115Miami, FL 33143(305) 661-7667mario.obregon.cth4@statefarm.com

Mila M. OleaNew York Life3750 NW 87th AvenueSuite 500Doral, FL 33178-2433(786) 275-1335mmolea@�.newyorklife.com

Rosemary J. Olson, LUTCFC & C Insurance, Inc.10465 S.W. 52 StreetCooper City, FL 33328-4912(305) 915-9034rosemary@candcinsurance.com

Ryan E. OteroAllstate Benefits700 West Hillisboro BlvdBldg 3 Suite 206Deerfield Beach, FL 33441(561) 346-3428ryan.otero@allstate.com

Lynn Padro9130 S Dadeland BlvdSte 1400Miami, FL 33156(305) 670-4400lynn.padro@axa-advisors.com

Tanya D. Pages, CLU, ChFC5890 S. W. 32nd StreetMiami, FL 33155-4065(305) 789-4926tanya.pages@wellsfargo.com

James R. Pappas, IIIMetLife Premier Client Group806 S Douglas Rd Ste 800Coral Gables, FL 33134-2081(305) 446-3268jrpappas@metlife.com

Diego PascuaPruden�al2 Alhambra PlazaCoral Gables, FL 33134-5202diego.pascua@pruden�al.com

James L. Penn, LUTCFTransamerica7300 NW 19 St. Suite 302Doral, FL 33142(305) 477-6554james.penn@transamerica.com

Sergio Perez- BorrotoNew York Life3750 NW 87 Ave500Doral, FL 33178(786) 445-8884sperezborroto@�.newyorklife.com

34 www.naifamiamidade.org

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Sergio Perez-BorrotoNew York Life3750 NW 87 Ave.500Doral, FL 33178(786) 445-8884sperezborroto@�.newyorklife.com

Luis D. Peters, CPCU, CLUPeters Ins. & Fin. Svcs., Inc.7750 SW 117th Ave Ste 207Miami, FL 33183-3844(305) 652-6636luis@luispeters.com

Cornelia T. Philipson, LUTCFCornelia Philipson Ins. Serv.8355 SW 89 StreetMiami, FL 33156-7333(305) 595-2115corneliap@aol.com

Vince PinoMassMutual Financial Group2103 Coral WaySuite 721Miami, FL 33145(305) 537-3343vpino@financialguide.com

Mark C. Piper, CLUNorthwestern Mutual201 Alhambra Circle #703Coral Gables, FL 33134-5108(305) 448-5666mark.piper@nm.com

Nidia M. PitaAllstate Life Ins Co/NY900 S Pine Island Road380Planta�on, FL 33324(954) 873-9720npita@allstate.com

German Plasencia, CLU7475 SW 73 TerraceMiami, FL 33143-4105(305) 342-4610etplasencia@aol.com

Robert J. PoleoNorthwestern Mutual201 Alhambra Circle Ste. 703Coral Gables, FL 33134(305) 351-3400robert.poleo@nm.com

Diane PreussLanders-Stein & Assoc., Inc.4970 SW 72nd Ave Ste 107Miami, FL 33155-5558(305) 665-8161mompreuss@bellsouth.net

Nazim Qureshi, ChFCNorthwestern Mutual201 Alhambra CircleSuite 703Coral Gables, FL 33134-5108(305) 351-3376nazim.qureshi@nm.com

Steven RasmussenAXA Advisors, LLC9130 S Dadeland Blvd.Suite 1400Miami, FL 33156(305) 670-4400steven.rasmussen@axa-advisors.com

Alberto RegueiraBeacon Financial & Insurance Solu�ons2332 Galiano Street2nd Floor, Ste. 101Coral Gables, FL 33134(305) 609-8448a.regueira@beaconfinancialguide.com

Hope C. RemondetState Farm11169 NW 39th STApt 105Sunrise, FL 33351(954) 270-3017hope.remondet.sryc@statefarm.com

36 www.naifamiamidade.org

Karen E. ReshardTransamerica7300 NW 19 St.302Miami, FL 33126(305) 477-6554karen.reshard@transamericanetwork.com

Maria ReutherAllstate Insurance900 S Pine Island Rd Ste 380Planta�on, FL 33324-3922(954) 594-5014cdbhc@allstate.com

Linessa B. ReyesTransamerica7300 NW 19 St.302Miami, FL 33126(305) 477-6554linessa.reyes@transamericanetwork.com

Tiffany RichardsLaser Financial Group2875 NE 191st St Ste 300Aventura, FL 33080(305) 760-9920�ffany.richards@nm.com

Stephen L. RiemerRiemer Insurance Group In.CP. O. Box 250Hallandale, FL 33008-0250(305) 945-5529

Bruce H. RishtyFuturity First1398 SW 160 Ave502Sunrise, FL 33326(754) 300-2177brucerishty@ffig.com

Rita Rivas9130 S Dadeland BlvdSte 1400Miami, FL 33156(305) 670-4400rita.rivas@axa-advisors.com

Ramses RiveroSC&J Rivero Insurance, inc.12496 SW 127 AVEMiami, FL 33186(305) 971-3222Ramsesrivero@yahoo.com

Omar A. RiveroMassMutual Miami-LINQ Financial Group2100 Ponce De Leon Blvd.Suite 600Coral Gables, FL 33134(305) 648-2445orivero@financialguide.com

Mary T. Roberts, LUTCF, FSSAGLA - American General2021 Tyler St., Ste. 102Hollywood, FL 33020(954) 920-0439mary.roberts@agla.com

Carmen A. Rodriguez, LUTCFLanders-Stein & Associates Inc.4970 SW 72 AveSuite PH 107Miami, FL 33155-5558(305) 665-8161carmenr@landers-stein.com

Ramiro E. Rodriguez, CLU, ChFC, IARMajor Assurance Planning, Inc.12717 West Sunrise Blvd. #125Sunrise, FL 33323(305) 818-1950rerclu@bellsouth.net

Rafael A. Rodriguez-VegaMajor Financial Planninag IncP.O. Box 44-0682Miami, FL 33144-0682(305) 221-5923majorfinancial@bellsouth.net

Orlando J. RomeroAmeritus15316 S.W. 54 TerraceMiami, FL 33185-4113(305) 335-4068pinacleadvisors@gmail.com

Claudia RosCambridge Financial Partners1985 NW 88th Ct Ste 202Miami, FL 33172-2638(786) 369-1689claudia.ros@cambridgefp.com

Ricardo V. RosalesInterbrokers, Inc.8750 NW 36th Street, Ste.520Doral, FL 33178(305) 499-4360ricardo.rosales@interbrokers.us

Bradley J. Rosen1900 Purdy AveApt. 809Miami Beach, FL 33139-1417(786) 276-2452rosenfinancial@gmail.com

Howard Rosenbloom, CPA, MBAHoward Rosenbloom, Regist Rep13701 SW 88 StreetSuite 300Miami, FL 33186(305) 596-0000hrmbacpa@aol.com

Richard J. Rosenthal, LUTCFThe Rosenthal Agency, Inc8000 SW 117th AvenuePH #AMiami, FL 33183-3838(305) 412-0800miamibkg@aol.com

Robert A. RosenthalThe Rosenthal Agency, Inc.8000 SW 117th AvenuePH-AMiami, FL 33183(305) 412-0800robert@therosenthalagency.com

Martha J. Rothaus, CLTC, CSARothaus Insurance Group8781 S.W. 85 TerraceMiami, FL 33173(305) 279-6568rothausinsurance@aol.com

Janice C. Rowton, LUTCFState Farm20330 Old Cutler RdMiami, FL 33189-1832(305) 238-8688janice.rowton.icqb@statefarm.com

Philippa J. Roxburgh, CLU, ChFC, CLTCPruden�al3245 Village Green DrMiami, FL 33175-3148(305) 554-0905roxburghp@gmail.com

Juan Roberto Ruiz, CLU, CFPPruden�al South Florida Agency2 Alhamba Plaza Ste 1050Miami, FL 33134-5237305-420-2639robert.ruiz@pruden�al.com

Mary SaizInsuring Sources, Inc.8200 NW 41st St Ste 200 Unit 17Doral, FL 33166-6204(786) 597-6421ms@insuringsources.com

Richard L. SakaThe Downs Group201 S Biscayne Blvd #900Miami, FL 33131-5345(305) 375-7699richard.saka@nm.com

Jus�n SakaThe Downs Group19950 W. Country Club Dr.802Aventura, FL 33160(305) 405-3600jus�n.saka@nm.com

Sylvia San EmeterioNew York Life3750 N.W. 87th AvenueSuite 500Miami, FL 33178-2433Sylqt415@aol.com

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Ricardo SanchezState Farm Insurance13755 S.W. 42 StreetMiami, FL 33175(305) 551-3335rick.sanchez.bqb7@statefarm.com

Ruben SanchezState Farm Insurance Companies2542 Sanctuary DriveWeston, FL 33327-1533(305) 826-2300ruben.sanchez.a7�@statefarm.com

Rosa SanchezAllstate NEO6941 SW 196th Ave Ste 31Fort Lauderdale, FL 33332-1609(305) 235-0502lsanchez@allstate.com

Ivanhoe SanchezNew York Life3750 NW 87 Ave.Ste. 500Doral, FL 33178(786) 239-0230ivanhoesanchezs@gmail.com

Maria SantallaAXA Advisors, LLC9130 S Dadeland Blvd.Suite 1400Miami, FL 33156(305) 670-4400marie.delmarsantalla@axa-advisors.com

Marta M. Sastre, CLUAFLACPO Box 140127Coral Gables, FL 33114-0127(305) 445-9958sasinf@aol.com

Howard M. Schachter1401 Baracoa AvenueMiami, FL 33146(305) 934-5952howms@aol.com

Lawayne R. Sco�American General Life & Accident Insurance Company2021 Tyler St.102Hollywood, FL 33020(954) 920-0439lawayne.sco�@aig.com

Jose SevillaPruden�al2 Alhambra PlazaCoral Gables, FL 33134-5202jose.sevilla@pruden�al.com

Mar�n L. Shaw, IIIMar�n L. Shaw III & Assoc.9990 S.W. 77th Ave PH 16Miami, FL 33156-2661(305) 275-8220eshaw@klacorp.com

Mar�n L. Shaw, IVMar�n L. Shaw, III & Associates9990 SW 77th Ave PH 16Miami, FL 33156-2620(305) 275-8220mar�nlshaw@yahoo.com

Lyda ShehadehPrincipal Financial Group255 Alhambra Circle Ste 630Coral Gables, FL 33134(786) 257-2220shehdeh.lyoa@principal.com

Samuel ShirleyPruden�al2 Alhambra PlazaCoral Gables, FL 33134-5202samuel.shirley@pruden�al.com

Nathan Shusterman, CLU, ChFCNat Shusterman Associates21050 Point Place, Apt. 1701Aventura, FL 33180(305) 949-0906normanat@msn.com

38 www.naifamiamidade.org

Ana B. SiberioAXA Advisors2000 S. Bayshore Dr., Apt. 54Miami, FL 33133(305) 670-7623ana.desiberio@axa-advisors.com

Anthony F. SierraBMI Financial Group2000 S Bayshore DrVilla 17Miami, FL 33133(305) 443-2898afsierra@bmicos.com

Anne Marie SierraBMI Financial Group8950 S.W. 74 Ct., 24 FloorMiami, FL 33156-3171(305) 443-2898ani@bmicos.com

Marc A. Silverman, CLU, ChFC, CFPSilverman Financial9940 W Suburban DrMiami, FL 33156-1929(305) 670-7088marc@sfinancial.com

Patrick SimonAmerican General Life & Accident Insurance Company2021 Tyler St102Hollywood, FL 33020(954) 920-0439patricksimon318@ymail.com

Arlene C. Singer, LUTCFSinger Insurance Services19698 NE 24th AveN Miami Bch, FL 33180-2120(305) 945-7115arsinger@bellsouth.net

Franklyn SolanoTransamerica8750 NW 36 St.260Doral, FL 33178(786) 336-0725solanofranklyn@gmail.com

Maria J. SolorzanoThrivent Financial11020 N. Kendall Dr.108Miami, FL 33176(305) 596-6730maria.solorzano@thrivent.com

Robert Irwin Spak, CLU, ChFC, CASLNew York Life12260 S.W. 53 St., Ste. 602Cooper City, FL 33330-3320(954) 435-8100risnyl@yahoo.com

Jan H. SpitzerDiversified Underwriters Svc1981 N.W. 88th CourtMiami, FL 33172-2637(305) 908-6700jspitzer@d-u-s.com

Ronald G. StoneThe Comprehensive Companies2199 Ponce DeLeon Blvd#300Miami, FL 33134(305) 444-0911ron@tccinsurance.com

Carla J. StreetState Farm3480 Keith Bridge Rd., Ste. B-2Cumming, GA30041770-781-0335carla.street.rcgs@statefarm.com

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Juan SuarezMetLife Premier Client Group806 Douglas Rd. Suite 800Coral Gables, FL 33134(305) 929-4745JSuarez7@metlife.com

Grace SullivanNorthwestern Mutual201 Alhambra Cir, Ste 703Coral Gables, FL 33134-5108(305) 448-5666

Harvey TabinHarvey Tabin & Assoc Inc6873 S.W. Lassoo LanePalm City, FL 34990-5152(305) 270-8882tabinh@bellsouth.net

Jorge TefelAXA Advisors, LLC9130 S Dadeland BlvdSuite 1400Miami, FL 33156(305) 670-4400jorge.tefel@axa-advisors.com

Evelina TejadaLaser Financial Group2875 NE 191 Street300Aventura, FL 33180(305) 760-9920evelina.tejada@nm.com

Lauren R. TejeraNew York Life3750 NW 87 Ave.500Doral, FL 33178(305) 310-2443ltejera@�.newyourklife.com

Pavel Tenenbaum19950 W Country Club DrAventura, FL 33180-4601

Doris ThomasTransamerica7300 Corporate DriveDoral, FL 33126(305) 647-8140doris.thomas@transamericanetwork.com

Harvey C. TimmerNick Insurance & Financial Solu�ons10725 Sw 134th TerMiami, FL 33176-6023(305) 951-6149hc�mmer@bellsouth.net

Ray N. Timmons, Jr.Southern Farm Bureau Life Insurance1850 Old Dixie HwyHomestead, FL 33033-3212(305) 247-5234ray.�mmonsjr@�ic.com

Roberto J. TorokThe Pruden�al Ins Co. of America South FL Financial Group2 Alhambra PlazaSte 1050Coral Gables, FL 33134(305) 420-2626Roberto.torok@pruden�al.com

Roberto TorokPruden�al2 Alhambra PlazaCoral Gables, FL 33134-5202roberto.torok@pruden�al.com

Rafael R. TorresOneCambridge1985 NW 88th CourtSuite 202Miami, FL 33172(786) 369-1688rafael.torres@cambridgefp.com

Francisco Torres De Navarra5835 SW 81st StreetSouth Miami, FL 33143(305) 666-0300�n2@bellsouth.net

40 www.naifamiamidade.org

J. Wayne TracyNew York Life8440 S.W. 146 StreetPalme�o Bay, FL 33158-1463(305) 969-5445wtracy@�.newyorklife.com

Laura L. Traeger, AAI3350 S Dixie HwyMiami, FL 33133(305) 446-2271Ltraeger@kahn-carlin.com

Ann V. Travis, LUTCF, ChLAPTravis Agency, Inc.9371 S.W. 54 StreetMiami, FL 33165-6523(305) 215-9760anntravis@travisagency.net

Ryan Tuff5491 N University DrCoral Springs, FL 33067-4644(954) 341-8705ryantuff@capitalins.com

Conrad T. TunstallAmerican General Life & Accident Insurance Company2021 Tyler St.102Hollywood, FL 33020(954) 920-0439tunstallii@yahoo.com

Mar�na D. TurnerMar�na D. Turner Agency16101 SW 156 AveMiami, FL 33187-5227(305) 599-1017mar�na.turner.coqg@statefarm.com

Jose F. Velasco, LUTCF, ChFC, CFPNew England Financial806 Douglas Rd #800Coral Gables, FL 33134(305) 929-5343jvelasco@miami.nef.com

Ani Victoriano9850 NW 41st Street #300Doral, FL 33178(305) 798-3421avicu@allstate.com

Marcela Vieco9130 S Dadeland BlvdSte 1400Miami, FL 33156(305) 670-4400marcela.vieco@axa-advisors.com

Alberto Vilar, Jr.Apoyo Seguro LLC7875 NW 12 StreetSuite 118Miami, FL 33126(786) 600-3860avilar@apoyoseguro.com

Benjamin VilchezPruden�al Financial2 Alhambra Plaza Ste 1050Coral Gables, FL 33134(305) 420-2660 x7258benjamin.vilchez@pruden�al.com

Paul N. WaddellNick Waddell Insurance Agency, Inc.11205 S. Dixie Highway#200Miami, FL 33156(305) 238-0500ins@nickwaddell.com

Barry B. Wales, CLU8240 NW 52 TerrSuite 205Miami, FL 33166-7766(305) 418-9294bbwales@financialguide.com

David Gordon Walter, LUTCF, CLTCNew York Life3750 NW 87th Ave #500Miami, FL 33178-2433(786) 275-1369dwalter@�.newyorklife.com

www.naifamiamidade.org 41

Carlyle Webb, LUTCFCarlyle Financial Group21651 S.W. 127th CtMiami, FL 33170-2628(786) 587-7380carlyle.webb@gmail.com

Michael P. Whalen, CLU, ChFCNorthwestern Mutual4261 Palm LaneMiami, FL 33137-3346(305) 351-3367michael.whalen@nm.com

Keston White-MarinAXA Advisors, LLC2255 Glade RoadBoco Raton, FL 33431(561) 997-7800keston.marin@axa-advisors.com

Lawrence Wiener, CLU, ChFC, AEPPension Investors Corpora�on3981 N. 32 TerraceHollywood, FL 33021-2022(954) 986-8688lwclu@pensioninvestors.com

Gary L. WilkinsonHenderson Financial Group5793 A NW 151 St.Miami Lakes, FL 33014(813) 892-1130askgary32@gmail.com

Richard E. Wine, LUTCFR. Wine Ins. Agency Inc.P.O. Box 163300Miami, FL 33116-3300(305) 598-6551rwineins@bellsouth.net

Reinaldo B. Winer, LUTCFEstate & Charity Funding Network9452 Carlyle Ave.Surfside, FL 33154(305) 864-1804papadev@aol.com

Marco WinerWiner Insurance9072 Byron AvenueSurfside, FL 33154(305) 861-2622mwiner@aol.com

Christopher Allan Wolfe, CLU, ChFCChristopher Wolfe & Associates7840 S.W. 86 Street, Ste. 21Coral Gables, FL 33143-6862(305) 273-3777chris@wolfeinsurance.net

Melody WoodruffAmerican General Life & Accident Insurance Company2021 Tyler St.Hollywood, FL 33020(954) 920-0439Woodruff.melody@yahoo.com

Conrado YeroAllstate Life Insurance Company10030 SW 40th StreetMiami, FL 33165(305) 222-1223conradoyero@allstate.com

Monthea YoungTransamerica7300 NW 19 St.302Miami, FL 33126(305) 477-6554monthea.young@transamericanetwork.com

Jose�e ZamorMutual of Omaha Companies45 NE 104th StreetMiami, FL 31338(786) 514-2237jose�e_zamor@yahoo.com

Saul S. Zitner, LUTCF217 Aragon AvenueCoral Gables, FL 33134305-444-7401, Ext. 109szitner@brandonbrokerage.com

42 www.naifamiamidade.org

NAIFA-FloridaThe Na�onal Associa�on of Insurance and Financial Advisors - Florida1836 Hermitage Blvd, Suite 200, Tallahassee, FL 32308Phone: (850) 422-1701 Email: admi@naifa-florida.org Website: www.naifa-florida.org

PresidentRod Whited, CFP, CLU, ChFC, CASLPhone: (352) 377-7577Fax: (352) 335-3998Email: rod.whited@nm.com

Vice PresidentLinda M. MoorePhone: (407) 875-0221Fax: (407) 875-3811Email: moore.linda@principal.com

President - ElectSteven P. Saladino, LUTCFPhone: (813) 833-3514Fax: 260-479-6126Email: saladino@verizon.net

Secretary - TreasurerShelita StuartPhone: (727) 853-0070Fax: (727) 847-9544Email: shelitas@waldeninsurance.com

Immediate Past PresidentRonnie Day, LUTCFPhone: (850) 587-2135Fax: (850) 587-2137Email: ronnie.day@�ic.com

Past PresidentJames C. Koburger, CLU,ChFC,CASL,LUTCFPhone: (850)219-0200Fax: (850) 877-8998Email: james.koburger@�ic.com

Director-at-LargeKendall R. Clenney, LUTCFWork Phone: (863) 604-5021Fax: (863) 859-2058Email: krclenney@yahoo.com

Director-at-LargeJoseph C. Chalom, CLU, RICP, LUTCFPhone: (954) 340-1588Fax: (954) 340-1865Email: joe@re�rementcouncil.com

NAIFA TrusteeTom M. Cothron, LUTCFPhone: (352) 237-2124Fax: (352) 237-2127Email: tomcothron@gmail.com

NAIFA-FL IFAPAC ChairMelissa H. SnivelyPhone: (813) 662-3622Fax: (813) 662-3621Email: melissa.snively.JRPE@statefarm.com

Na�onal Commi�eepersonMark R. Tiralosi, LUTCFPhone: (407) 389-3577Fax: (407) 774-0936Email: m�ralosi@sihle.com

Past PresidentBryon A. Holz, CLU, ChFC,LUTCF,CASLPhone: (813) 684-1163Fax: (813) 651-1241Email: bryon@bryonholz.com

Director-at-LargeMaureen A. Kirschhofer, CLU, ChFCPhone: (904) 730-9654Fax: (904) 730-9273Email: maureenk1@bellsouth.net

Director-at-LargeTiffany H. DrewesWork Phone: (727) 847-3838Fax: (727) 846-0345Email: �ffany@�mholladay.net

Director-at-LargeBarnie G. Walker, Jr., LUTCFPhone: (561) 422-2021Fax: (561) 422-2041Email: bgwcrw@aol.com

www.naifamiamidade.org 43

44 www.naifamiamidade.org

YOUR BUSINESSGROWHELPS YOUNAIFA Your professional association has never been

more important to your career than it is today. With more than 50 programs and products designed to benefi t your business, NAIFA membership is your best career investment.

Go to www.NAIFA.org/Pays or call 1-877-966-2432.

NAIFA ClientCast® by RealWealth®

These professionally produced podcasts are yours to forward to clients and prospects each month, and feature a variety of topics including life, health, long term care, disability and critical illness insurance.

College for Financial PlanningNAIFA’s partnership with the College for Financial Planning includes a 15% discount for NAIFA members. Founded in 1972, The College created the Certifi ed Financial Planner™ (CFP®)certifi cation and is the exclusive provider of 8 additional industry benchmark designations, Series Exam Prep courses, and 3 Master of Science degrees.

NAIFA’s Advisor Today MagazineAdvisor Today is the premier source for practice management content and industry news.

Errors & Omissions CoverageCalsurance for NAIFA members includes multiple coverage benefi ts and customizable coverage options for individuals and agencies. The NAIFA/CalSurance Risk Management/Loss Control Seminar can save you up to 10% on your policy for the next three policy terms.

NAIFA SmartBriefAll the insurance and fi nancial news you need, every day, in a two-minute read.

NAIFA’s LUTCFSuccessful insurance and fi nancial services careers are deeply rooted in product knowledge and effective sales skills. The new NAIFA LUTCF curriculum will combine product-focused education with hands-on sales training to help newer advisors thrive in a competitive industry.

These are just a few examples of how NAIFA benefi ts your career.Join today and start growing your business like never before.

AT_Grow_Ad_0614.indd 1 6/20/14 10:10 AM

MEMBERSHIP APPLICATIONMEMBERSHIP TYPE: Active Associate Student Transfer Only

Local NAIFA Association (if known) Association Number City, State

*Year of Initial License *Date of Birth

Prefix First Name Middle, Last Name Suffix

Designations Title

Primary Company Firm/Agency Name (if applicable)

Please send all mail to my Home Address Business Address

BUSINESS INFORMATION:

Street Address 1 Business Phone

Street Address 2

City, State, Zip Cell Number

Business Email Address Primary? Yes No

HOME INFORMATION:

Street Address 1 Home Phone

Street Address 2

City, State, Zip Home Email Address Primary? Yes No

REFERRED BY (PLEASE PRINT)(must be an active NAIFA member)

Name

City

State

4 WAYS TO JOIN NAIFA

1. ON LINE at www.naifa.org

2. MAIL with payment to: NAIFA Membership Lockbox, P.O. Box 758658, Baltimore, MD 21275

3. EMAIL Application to membersupport@naifa.org

4. FAX Application with Credit Card Info to 877/508-9842.

FALLS CHURCH, VIRGINIA 22042-1205 • MAIN: 877/TO-NAIFA • FAX: 877/508-9842 • WWW.NAIFA.ORG

NON-DEDUCTIBILITY OF LOBBYING EXPENSES DISCLOSURE STATEMENTWhile association dues payments may be deductible by members as an ordinary and necessary business expense, dues are not deductible as charitable contributions for federal income tax purposes. To determine the total non-deductible portion of your dues, add the NAIFA National lobbying expense ($63.00) to your state associa-tion’s lobbying expense (see table below).

LOBBYINGEXPENSES AMSR* LOBBYING

EXPENSES AMSR* LOBBYINGEXPENSES AMSR* LOBBYING

EXPENSES AMSR*

Alabama $0.00 $0.00 Illinois $12.69 $2.00 Montana $46.00 $0.00 Puerto Rico $0.00 $0.00 Alaska $1.84 $0.00 Indiana $18.40 $0.00 Nebraska $26.60 $0.00 Rhode Island $0.00 $0.00 Arizona $1.16 $0.00 Iowa $13.30 $0.50 Nevada $18.50 $0.00 South Carolina $11.70 $0.00 Arkansas $1.06 $0.00 Kansas $25.00 $0.00 New Hampshire $103.80 $0.00 South Dakota $40.66 $0.00 California $31.25 $0.00 Kentucky $1.60 $0.00 New Jersey $22.70 $0.00 Tennessee $18.70 $1.00 Colorado $59.80 $0.00 Louisiana $20.00 $0.00 New Mexico $65.10 $0.00 Texas $28.00 $0.00 Connecticut $57.46 $0.00 Maine $96.00 $0.00 New York State $31.35 $0.00 Utah $11.10 $0.00 Delaware $77.70 $0.00 Maryland $28.00 $0.00 North Carolina $23.75 $0.00 Vermont $21.60 $0.00 District of Columbia $0.00 $0.00 Massachusetts $44.85 $0.00 North Dakota $15.66 $2.00 Virginia $6.32 $1.00 Florida $33.99 $0.00 Michigan $17.50 $0.00 Ohio $23.40 $0.00 Washington $47.00 $0.00 Georgia $10.20 $0.00 Minnesota $23.40 $6.00 Oklahoma $28.90 $0.00 West Virginia $22.00 $0.00 Guam $49.60 $0.00 Mississippi $21.40 $0.00 Oregon $53.68 $0.00 Wisconsin $32.55 $0.00 Hawaii $28.80 $0.00 Missouri $7.00 $0.00 Pennsylvania $24.60 $0.00 Wyoming $0.00 $0.00 Idaho $13.94 $0.00

(Effective January 1, 2015-December 31, 2015)

APPLICANT INFORMATION

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS

OTHER:*Please register me for the Young Advisors Team (YAT) — for members 40 years and younger or in their first five years in the business. Birth year or license year needed.

Please DO NOT share my contact information with NAIFA member benefit affinity providers

National Association of Insurance and Financial Advisors

Personal Information: (Please print or type)

Please use Adobe Reader to fill out this form. http://get.adobe.com/reader/

I agree to abide by the association bylaws and NAIFA’s Code of Ethics (see below) and certify that:

a. I have not been accused in writing nor been found in violation of the code of ethics of any professional organization of which I am a member. A state or federal licensing or regulatory body has not censured, fined or reprimanded me, or revoked or suspended my investment advisor, securities, or insurance license(s). I am not a defendant in a criminal action. If a criminal judgment has been entered against me in the past, it has been disclosed to NAIFA and its predecessors.

b. I agree that neither the Association nor its individual members, officers, directors, agents or employees shall be liable to me, individually or jointly, if this application for membership is rejected or for the consequences of any disciplinary action which may be sought or taken against me under the local Association’s bylaws or Amendments thereto or any disciplinary or penal action which may be sought or taken against me under the laws of this or any other state or jurisdiction, or for any statement which the Local Association or any of said individuals may issue relative to any such action; provided, for its or their gross negligence or willful misconduct.

c. I understand and agree that my application for membership will be declined if it does not obtain a majority vote of the Board of Directors, or in the opinion of the Board of Directors, I am or will be unable or unwilling to conform to any of the foregoing requirements.

OR (check if any statements apply):

I have been accused in writing or been found in violation of the rules or code of ethics of a professional organization of which I am a member. A state or federal licensing or regulatory body has censured, fined or reprimanded me, or revoked or suspended my investment advisor, securities or insurance license(s).

I am a defendant in a pending criminal action or a criminal judgment has been imposed against me that has not been disclosed to NAIFA or its predecessors. I will attach complete details with this application. I understand that a finding of such violation may create a presumption that I have violated NAIFA’s Code of Ethics.

Signature Date

PAYMENT INFORMATION

AUTHORIZATION AGREEMENT FOR MONTHLY DEBIT/CREDIT CARD PAY

MEMBERSHIP AGREEMENT

Dues Amounts (for official use only) — Local and State dues amounts MUST be entered and added to the NAIFA dues amount.

*Local *State NAIFA *Total

+ + $330.00 =

*REQUIRED FIELDS

NOTICE: NAIFA is required to inform you of the cost of your state and/or national magazine subscription, which is included in your membership dues. This amount is not deductible from your dues. The amount of your Advisor Today subscription is $6. The amount of your state subscription is listed in the table on the front of this application.

ANNUAL PAYMENT ONLY (Please check one)Check VISA Mastercard American Express

Card Number Expiration Date Security Code

Name on Card Signature Date

I hereby authorize the National Association of Insurance and Financial Advisors, hereinafter called NAIFA, to initiate debit/charges to my: (select one)

VISA MasterCard AMEX (Discover not accepted at this time).Checking Acct. Savings Acct. at the depository financial institution named

below hereinafter called DEPOSITORY, and to debit the same to such account. *Please include a voided check with your application.

Bank Name/Credit Card Name

Bank Routing Number (ABA #)/Bank Account Number

Credit Card Number Expiration Date Security Code

This authorization is to remain in full force and effect until NAIFA has received written notification from me (the participant) of its termination. Written notification must be received by NAIFA by the last business day of the month to avoid a draft/charge for the following month.

Account Holder’s Name

Signature Date

Note: All written debit/charge authorizations must provide that the member may revoke the authorization only by notifying NAIFA in the manner specified in the authorization.

Note to Members Paying by Bank Draft or Monthly Credit Card: NAIFA will debit/charge your account on the 5th of every month. Debits/Charges will begin the month following receipt of this application. You will be notified in advance of any adjustments in your monthly debit/charge, resulting from any dues adjustments. There is a $.50 per month transaction fee, which is added to the monthly debit/charge amount. If your membership is being reinstated after a lapse, the first debit/charge will reflect the amount due for the delinquent months. If the participant has insufficient funds in his/her account to cover the monthly draft, NAIFA will charge a $15.00 fee on the next monthly debit. If the insufficient fund status occurs for a second consecutive month or twice within six months, the participant will be removed from the program and all benefits will be terminated. The member will not be eligible to receive benefits again until his/her account is brought current. Once you have enrolled in the bank draft/monthly credit card program, you are committed to pay full annual dues in 12 monthly payments. If you fail, for whatever reason, to complete your full membership dues obligation, you are still liable for the remaining unpaid balance.

Updated 09/2015TO READ NAIFA’S CODE OF ETHICS, VISIT WWW.NAIFA.ORG/ABOUT-NAIFA/CODE-OF-ETHICS

Save Form Print Form Submit Form

www.naifamiamidade.org 47

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48 www.naifamiamidade.org