For more than twenty-five years, Novick Group has retained our focus on a narrow and targeted client profile, specializing in the nonprofit market. Few brokers can claim our experience and depth of knowledge working with exempt organizations. Our role is to help clients better understand their own needs and, with our assistance, to help them make informed decisions around that understanding.

Advocacy on behalf of a client...guided only by the best interests of the client, is the foundation responsibility of every Novick Group employee.  Licensed to operate in all fifty states, we represent most major insurance companies and serve the needs of over fifteen hundred nonprofit clients nationwide, including associations, professional societies, educational institutions, advocacy groups, and health service providers. For more information, please visit www.novickgroup.com. 

A top 10 Commercial bank in the US, Capital One has over $50B in commercial loans outstanding and manages more than $30B in deposit balances. Capital One offers a unique combination of product expertise, financial strength, personal attention and creative solutions.

Capital One's Not-for-Profit banking group has more than 75 years of combined service in the sector.  We are dedicated to supporting the needs of all types of nonprofit organizations throughout the Mid-Atlantic, including local and national associations, foundations, charitable organizations, religious and educational institutions and cultural arts institutions.  We understand the unique needs of nonprofits and through a relationship-based banking model seamlessly deliver a full array of taxable and tax-exempt financing, treasury management and investment services tailored to meet your organizations requirements.

Capital One is locally headquartered in the Washington DC metro area, giving you direct access to local decision makers.  Get one-on-one guidance from a dedicated relationship manager and team of seasoned professionals that live and work in your local community and will use their expertise to meet and anticipate your needs.  At Capital One, we know that every business has its own challenges and opportunities and our focus is on getting to know the way you operate and understanding where you want your business to go.  

For the past 25 years the consultants at ORION Investment Advisors, a subsidiary of the Olcott Consulting Group, have helped the fiduciaries of non-profit organizations establish processes and policies designed to achieve their long-term investment objectives. Working with ORION, an independent, employee owned firm, your organization will have access to: 

• Objective investment counsel that strives to avoid conflicts of interest.
• A disciplined investment process designed to manage risks and help your organization fulfill its fiduciary responsibilities.
• Investment managers typically available only to the largest organizations.
• Research and manager due diligence from Callan Associates�, one of the country's leading investment consultants.
• Customized performance reporting to help monitor performance of your overall fund and each investment manager.
• Benchmarking to help you compare your investment strategy and results with other comparable organizations.
• Retirement plan advisory services designed to assist you in meeting your fiduciary responsibilities. 

We all have THAT relative.  The one you hope to see only once every few years.  The one that leaves the house a mess, believes his personal political beliefs should be government policy, and always finds a way to have one too many glasses of wine with dinner.  He's not always there, but when he is, he generally makes life miserable for everyone around him.   

For investors, THAT relative is market volatility.  Uncle Volatility hasn't been around much for the past five years.

And, not surprisingly, no one's complained.  After all, the global equity markets have produced double digit annualized returns over that time.  And in a low interest rate environment, bond returns haven't been too shabby either.  But many are of the opinion that Uncle Volatility is coming back, and he may be packing a large suitcase.  Here's why he's coming and what your association can do to prepare.

FAR staff will be preparing the printed member directory this summer in time for the new membership year in September. Before then, we need you, FAR Members, to log in to your member profile, review your contact information and make updates as needed by June 19, 2015. Updates are the responsibility of the member, so please take a few minutes to make sure everything is current. Thank You!