NAIFA-West Virginia Mountaineer News
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NAIFA - West VirginiaFor more information, contact John Pauley, CLU, ChFC, CLTC at
(304) 345-4343 or E-mail
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President's Message

NAIFA-West Virginia President
A New Beginning
Have you ever skipped a rock across the water?  It is amazing how it will bounce and bounce and bounce.  If you throw it just right, you can even get it to the other side of the water-bank.  It all comes down to effort, skill and distance.
Much is about life and our business actions as well.  Everything we undertake and achieve comes down to the effort we exhibit; the skill we obtain; and, the length of time we are involved in our efforts.  As John D. Rockefeller said, "If you want to succeed, you should strike out on new paths rather than travel the worn paths of accepted success."
As we begin this year, give every task 112%!  Educate yourself.  Learn new things and methods.  Be open to change and develop yourself a workable plan of action.  As the rock skips across the water, lunging forward to the next opportunity, make your "jumps" high!  Push yourself further!  Never accept "no" for the answer and dare to dream!  Dream for the best in life and it will come!  It will come, not necessary always in monetary riches, but in the satisfaction of a job well done!
Effort, skill and distance...are you prepared to make it happen?  It is a new beginning.  What you can achieve will be based on what you do. Strike out on new pathways to bring your dreams into reality! 
Make this year your best ever!
3-Hour ETHICS Continuing Education Opportunity
NAIFA-CharlestonTuesday, January 15, 2013 
Edgewood Country Club, 1600 Edgewood Dr., Charleston, WV 25302
NAIFA-Charleston kicks off 2013 with a 3-Hour ETHICS CE prior to our Membership Luncheon at Edgewood Country Club on Tuesday, January 15th! The three separate CE courses will be held from 8:30 to 11:30 am:
100404 - Values & Ethics - Being Compliant & Profitable
C00909 - Dealing with Ethical Issues in Financial Services
C08983 - Ethical Challenges for Producers
Followed by our Membership Luncheon Meeting, 11:30 am - 1:00 pm
Guest Speaker:
Adam Whittington
Social Security Administration
NAIFA-Charleston Members - NO CHARGE!
NAIFA-WV Members - $30.00
Non-Members - $60.00
Includes lunch and CE filing fees!
RSVP REQUIRED! To register or for more information, call or e-mail Executive Director John E. Pauley, CLU, ChFC, CLTC at (304) 345-4343 or
Renaissance Dental  
Tonya Fenimore
Senior Manager, National Support
225 South East Street, Suite 360, Indianapolis, IN 46202
800-963-4596, ext. 7234
NAIFA-Huntington Membership Luncheon

Top 10 Retirement Planning MistakesThursday, January 17, 2013
Fellow NAIFA-Huntington members:
Well the Holidays are over, so we all need to get back into the swing of things. To help you out, we are providing 1 hour of free CE to NAIFA-Huntington members ($10 for non-members and free lunch) at our monthly membership meeting on Thursday, January 17th. The CE class, "Top 10 Retirement Planning Mistakes" approved for WV and OH license holders will be held from 12:00 - 1:00 PM and our board meeting will be held at 11:00 AM. As always, we will meet at Ponderosa on Rte. 60 in Huntington.
We have a few new members that we all hope to see, so everyone please plan to come and welcome Jim Moreland and Loralee Carmichael. We will also have some information regarding the Fiscal Cliff Act to pass out if anyone is interested. Also, we are planning on having at least 1 hour of CE every month (every 3rd Thursday) at least until June, at which time we would like some feedback to see if you wish to continue this process. Thanks and don't forget to mark your calendars.
See you all next Thursday!
Lesley Meehling-Baker
Past NAIFA-Huntington President
(304) 733-0123

NAIFA-West Virginia 2013 State ConventionNAIFA-West Virginia 2013 State Convention:
Thursday, May 16th  &  Friday, May 17th, 2013
Check our website at for the latest updates!

Thom Stevens Hi, I'm Thom Stevens, Editor of Health Care Highlights.
This marks the 24th anniversary of our unique health care publication.
Our newsletter reaches more than 2,500 health professionals
and health policy makers.
Health Care Highlights is your best
source for West Virginia legislative and governmental health

For more information, please call 304-344-8466 or email
The Need to Use Caution in Annuity Sales to Seniors
Members are reminded that they should take particular care when making annuity sales to seniors in order to protect themselves from ending up in a similar situation as Glenn Neasham, the California producer who was convicted of theft for selling an annuity to a senior client who was later found to have dementia.
According to a recent series of articles in LifeHealthPro, an online product of the National Underwriter, there are numerous steps advisers can take to lessen the odds of their becoming involved in litigation as a result of selling annuities to seniors.  These measures include: 1) taking a second look as to whether an annuity is actually the most appropriate investment at that point in the client's life; 2) making an audio or (better yet) video record (with the client's knowledge and approval) of your discussions about annuities with your clients; 3) asking the client to have a family member or friend present when annuity sales are discussed; and 4) avoiding annuity sales to senior clients, or holding off on such sales at least until state regulators or the NAIC develop specific, detailed guidelines on how producers can safely make such sales and be protected from litigation down the road.
Links to the two LifeHealthPro articles are HERE and HERE.
Please contact me if you have any questions.
Gary A. Sanders
Vice President - Securities and State Government Relations
National Association of Insurance and Financial Advisors (NAIFA) 
Register NOW for the NAIFA Congressional Conference!
NAIFA Congresstional ConferenceRegistration for the April 8-9, 2013 NAIFA Congressional Conference is now open! The first 500 registrants for the NAIFA Congressional Conference will be eligible to be reimbursed up to $500 to cover their travel and lodging expenses.
Don't wait! Click HERE to register now!
To be eligible for the travel and lodging reimbursement, you must be one of the first 500 registrants and you must stay at the official NAIFA Congressional Conference hotel - the Hyatt Regency in Crystal City, VA. You can view the full reimbursement guidelines during the registration process.
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 looming threat to the tax status of many insurance products is very real. NAIFA needs you to attend this Conference and defend our industry. Please register and join me in April where together we can make a difference!
Robert O. Smith, CLU, ChFC, JD
President, National Association of Insurance and Financial Advisors
FREE NAIFA Benefits with Your Membership!

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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
NAIFA-West VirginiaVisit NAIFA-West Virginia's website at