NAIFA-West Virginia Mountaineer News Membership Newsletter
The Brokers Source, Ltd.

Click HERE for NAIFA-West Virginia's Officers and Board of Directors
NAIFA-Miami Dade
Gary W. Kelley, LUTCF, CLU
President's Message

Gary W. Kelley, CLU, LUTCF
2014-2015 NAIFA-WV President 


As we say goodbye to another year, it's time to reflect on the positives and areas of improvement from the past year.  As any business professional we should always strive to gain new knowledge and learn from our past.  I find the future seems to approach much quicker, the older I get!  My hope is that each of you had a successful 2014 and 2015 will be the highlight of your career.

2015 will bring challenges to our industry, as every New Year does.  One of the best aspects of our business is that we still have control of how we approach it, how we work and how much energy we are willing to put into it.  NAIFA can and does provide us many opportunities for upgrading our skills and staying up to date with changes that occur in the insurance world.  Do you read the Advisor Today magazine?  I usually get at least one idea a month that is helpful or reminds me of why I chose to be a part of this huge industry.

Something that I am going to do this year is focus on getting back to basics and let more of the outside distractions become less of a burden.  The story is still the same.  We provide security for families and businesses.  At a time when everyone is "just trying to make it," the worst situation possible would be for a spouse or partner to die and leave the family or business without the resources to carry on. We have a moral obligation to give each the best information possible that allows them to make the best decisions for their individual situations. 


Shoot for the stars and you will have a very successful New Year.  As always I'm at your service, and a phone call away.  Until next time God Bless.

Gary W. Kelley, CLU, LUTCF








NAIFA-Charleston Membership Luncheon and CE Opportunity:


Tuesday, December 9, 2014 

Edgewood Country Club   

1600 Edgewood Dr., Charleston, WV 25302


One Hour Morning CE Seminar, 10:30 - 11:30 AM


"Using Home Equity in Retirement"

Followed by NAIFA-Charleston's Membership Luncheon Meeting, 11:30 AM - 1:00 PM  


New Opportunities in the Health Insurance Market  


Guest Luncheon Speaker and Sponsor:


Ed Hildebrand


Ed Hildebrand, CLU, ChFC, RHU, REBC
Hildebrand Insurance Services


There is NO CHARGE for NAIFA-Charleston and NAIFA-West Virginia members and $20.00 for non-members.


Lunch and CE Filing Fees Included!




For more information and to RSVP, call or e-mail Executive Director John E. Pauley, CLU, ChFC, CLTC at (304) 345-4343 or



Ameritas DI

Hildebrand Insurance Services

For information on
sponsorship opportunities
with NAIFA-WV, please
contact John Pauley
at (304) 345-4343.
John Pauley, CLU, ChFC, CLTC Executive Director's Report   

John E. Pauley, CLU, ChFC, CLTC

As we approach the Holiday Season, it is important to pause and reflect on the many blessings we sometimes take for granted.

LOVE FROM FAMILY AND FRIENDS provide the support and encouragement we all need to get through the "tough" times.  Take a moment and thank those "special" people in your life for all that they do and tell them how much you appreciate them.

HELP SOMEONE LESS FORTUNATE.  This could be a kind word, some quality time, a donation, or volunteering your time to help serve a meal or buy a present for an underprivileged child in your community.  There are several worthwhile charities in the Kanawha Valley that can use your help... make a call today and help someone in need.  You'll be glad you did.

GOOD HEALTH IS TRULY A BLESSING that we don't understand until it's gone.  All the money in the world cannot buy your health.  Make a commitment to yourself to eat right, exercise, reduce your stress and take care of your self.  It's never too late... you owe it to yourself and more importantly... to your family and children.


Best wishes for a joyous Holiday Season and continued success.


How to Create Your One-Page Marketing Plan

Make 2015 Your Best Year Ever!

Thursday, December 18, 2014  2:00 - 3:00 PM EST

In this hour, you will learn from Annette Bau, CFP:
  • The 4 most critical factors to achieving your success as an advisor
  • Why your plan must include a PSP
  • The most commonly missed element in an advisors' business plan (this element is attributed to over 90% of your success)
  • How to create a simple 1-3 page plan that provides you a step-by-step, day-to-day action plan
  • How one advisor made his annual income of $100,000 his monthly income

Click HERE to register now! 



Advocacy NAIFA Prepares to Work with the 114th Congress

NAIFA is one of the nation's oldest and largest financial services organizations representing the interests of insurance professionals from every Congressional district in the United States. A key component of its mission is to "advocate for a positive legislative and regulatory environment" for insurance and financial advisors and their clients.

As a part of this effort, NAIFA is committed working in a positive, constructive way with the 114th Congress when it is sworn in early next year.

In addition to congratulating the new members of the 114th Congress, NAIFA provided incoming freshmen members with a copy of Securing America's Financial Future - a detailed portrait of NAIFA members, who they are and how they serve constituent clients.

NAIFA congratulates the 114th House committee chairs and ranking members, and looks forward to working with the following House leaders named to the top posts of committees with jurisdiction of NAIFA issues.

House Ways and Means
Paul Ryan (R-WI), Chair
Sandy Levin (D-MI), Ranking Member

House Financial Services Committee
Jeb Hensarling (R-TX), Chair
Maxine Waters (D-CA), Ranking Member

House Energy & Commerce Committee
Fred Upton (R-MI), Chair
Frank Pallone (D-NJ), Ranking Member

House Education & the Workforce Committee
John Kline (R-MN), Chair
Bobby Scott (D-VA), Ranking Member

We also look forward to working with Senate committee chairs, who will be named at a later date.
Individual NAIFA members are also offering to serve as resources on insurance and financial issues in the district. And hundreds of NAIFA members are planning to attend NAIFA's Annual Congressional Conference on May 19-20, 2015, to further to establish and cultivate relationships with lawmakers, to share their expertise, and educate them on the value of life insurance, annuities, retirement savings, and employee benefits for 75 million American families.

Until the 114th Congress takes office, NAIFA will of course continue its work with the 113th Congress, including efforts to ensure enactment of NARAB II.


NAIFA Congressional Conference   


Registration for the May 19-20, 2015 NAIFA Congressional Conference is now open! Please remember that the first 600 registrants for the NAIFA Congressional Conference will be eligible for a reimbursement of up to $350 to cover their travel and lodging expenses, if they meet the eligibility requirements, which include staying at one of the official NAIFA Congressional Conference hotels. You can view the full reimbursement guidelines when you register. Don't wait! Click HERE to register now!

NAIFA's Congressional Conference will bring NAIFA members together to learn about the legislative issues that matter to people in our industry, and most importantly, our clients. You will then take that knowledge to Capitol Hill when you meet with your Members of Congress to discuss these issues. For additional information about the Conference, view the FAQs.

The November elections will bring many new elected officials and the looming threat to the tax status of many insurance products is very real. NAIFA needs you to attend this Conference to ensure laws and regulations are designed to enhance, not restrict, the ability of middle market families to have access to products and services offered by our members. Please register and join me in May where together, we can make a difference!


Juli Y. McNeely, LUTCF, CFP, CLU
National Association of Insurance & Financial Advisors  



IFAPAC Your Support of IFAPAC is Necessary and Appreciated!

NAIFA strives to keep members and lawmakers informed about where we stand on important issues. By clicking HERE, you can find NAIFA's stances on the issues that matter most to the business of insurance and financial advising.
Check regularly for updates and additional information.    
Please consider a contribution to YOUR Political Action Committee!

The Insurance and Financial Advisors Political Action Committee (IFAPAC) is a term used to describe collectively the PAC sponsored by NAIFA at the federal level and the PACs sponsored by each state association. Each PAC is a fund that supports the campaigns of candidates for public office who understand issues important to insurance agents and financial advisors. 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 local NAIFA associations 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 $1.1 million to federal candidates and committees.
For more information about IFAPAC and to contribute securely online, please click HERE.



Thom Stevens
Health Care Highlights
Hi, I'm Thom Stevens, NAIFA-West Virginia Lobbyist and Editor of Health Care Highlights.

Click HERE for our 15th issue in 2014.

We are celebrating the 26th anniversary of our unique health care publication and again welcome communications expert Andy Wessels to our team.

Our newsletter reaches more than 5,000 health professionals and health policy makers, and recently won the coveted Crystal Award for publications from the WV Chapter of the Public Relations Society of America.

Health Care Highlights is your best source for West Virginia Legislative and Governmental health information! 
For more information, contact Thomas J. Stevens, President, Government Relations Specialists, LLC at 304-344-8466 or email StevensGRS@aol.com. 

Member Benefit of the Month:
Budget Car Rental

Make your budget go further by getting a great deal on a great car from Budget. As a NAIFA member, you'll get an amazing deal every time you rent - up to 25 percent off Budget's great rates.

To book your car, visit Budget Car Rental:


Or call toll free 1-800-527-0700 and mention the NAIFA BCD number R198142 to receive your discount. 

Make the smart choice, rent Budget and start saving today!

For a complete and comprehensive list of all the exclusive benefits of NAIFA membership, please click HERE.

It Pays to Be a Member
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 www.naifa.org.


NAIFA-West Virginia 
For more information about the National Association of Insurance and
Financial Advisors - West Virginia, contact John Pauley, CLU, ChFC, CLTC  
at (304) 345-4343 or e-mail johnpauley@ft.newyorklife.com.  
Visit NAIFA-West Virginia's website at www.naifawv.org.