Happy Holidays! Happy Holidays! NAIFA-Jacksonville 
The Membership Newsletter of the National Assocition of
Insurance and Financial Advisors -
Jacksonville, FL
In This Issue


New Meeting Location in 2015! 
Ramada Baymeadows
9150 Baymeadows Rd
Jacksonville, FL 32256

Thurs., Dec. 11, 2014 
Tax Strategies Seminar with Society of FSP Northeast FL Chapter at Columbia College
Click HERE to register online.

Thurs., Jan. 22, 2015

NAIFA Jacksonville Annual Awards Gala : Special Evening Dinner Event
Click HERE for complete details and registration.

Thurs., Feb. 26, 2015
NAIFA-Jacksonville CE Day

Thurs., March 26, 2015
NAIFA-Jacksonville Membership Luncheon:
Young Advisors Team Panel of Peers

Thurs., April 23, 2015
NAIFA-Jacksonville Membership Luncheon:
Observing Disability Insurance Awareness Month

May 19 - 20, 2015
NAIFA Congressional Conference in Washington, DC - Click HERE for complete details and registration.

Thurs, May 28, 2015
NAIFA-Jacksonville Membership Luncheon:
Annual Meeting and Elections

Thurs., June 25, 2015
NAIFA-Jacksonville Membership Luncheon:
Featuring the Installation of NAIFA-Jacksonville's 2015-2016 Officers and Board of Directors   
Check our website for
the latest updates.

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For the latest
news and events,
please visit our website
at www.naifa-jacksonville.org,
or contact Association
Executive Cherri
Coombs Ohmer, LUTCF
at (904) 695-2300
or email

Frank Mantay, CFP
Message From the President
Frank Mantay, CFP®
2014-2015 NAIFA-Jacksonville President
Happy Holidays!

It's hard to believe that we are reaching the end of 2014.  I'm sure that as the year closes we are beginning to reflect back on the accomplishments and challenges the year has brought.  Often times we ask ourselves how time passed so quickly. Then we ask more questions. Did we achieve the goals established in January?  Has our practice grown in clientele and revenue?  Is our staff better trained and do we need more help?  What have we done to boost our own professional development?

Of course, this is just the professional aspect of the whole person concept MDRT and NAIFA asks us to evaluate.  There is the equally important relationship, spiritual and physical part of our lives that also needs to be nurtured and grown.  Have our personal relationships grown deeper? Have we allowed someone new to become a close friend?  How have our spiritual lives been enhanced along with the physical body they reside in?  Are we staying or getting fit? (Thanksgiving made me grow a few pounds!)

I look back on our accomplishments as an association and know that we can continue to be successful by helping each of our members improve their personal and professional lives.  Your association is rich in resources to assist you professionally as you plan for 2015. Check out the much improved NAIFA website at www.naifa.org and see the indispensable tools to maximize your office efficiency and turn more prospects into loyal clients. Increase your knowledge by attending our monthly meetings and Day of CE scheduled for February.  Improve your relationships by celebrating the year in style at our Awards Gala in January. (Don't forget we'll be meeting at the Ramada Inn at I-95 and Baymeadows Rd in 2015.) NAIFA-Jacksonville succeeds when each member's life is enhanced. Take advantage of these resources.

Happy Holidays! In the meantime, on behalf of your board, we sincerely wish the very best during the remainder of 2014, the happiest of holidays and the start to an incredible 2015!
Special Seminar Opportunity!

Presented jointly by NAIFA-Jacksonville and the Society of Financial Service Professionals Northeast FL Chapter! 
NAIFA-Jacksonville Society of Financial Service Professionals 
Keep more of your hard-earned money!

Learn how to save $2,500 to $27,000 in new deductions!

Be sure to attend our upcoming seminar...

"Proven Tax Strategies"
For the Insurance and Financial Professional
For 1099's, Statutory Employee's, S Corp's, C Corp's,
LLC's, and Proprietor's - Not for the W-2 Employee

Thursday, December 11, 2014
1:00 pm- 3:00 pm
Please arrive at 12:45 pm for registration.
Seminar starts promptly at 1:00 pm.

Columbia College
7077 Bonneval Rd., Room #3, Jacksonville, FL. 32216

Register Now

Proven Tax Strategies If you're looking for proven, legals ways to save thousands of dollars on taxes, year-in, year out, our upcoming seminar event is for you!

We know our members don't want fluff or a rehash of information they already know. That's why this highly-regarded seminar, provided by Bradford and Company, will give you money-saving, legal techniques you can put into effect immediately.

What if you're thinking, "But I already have an accountant. Why do I need the seminar?" Many of us assume our accountants take care of our taxes... but forget that WE are the ones giving them the numbers and records they're using to prepare our tax return!

Take a look at the kind of information you'll learn:

- How the new tax law changes can dramatically increase your take home income. (It's worth attending our free seminar for this information alone!)

- Learn when the 105 Medical Plan escapes the 2014 Affordable Care Act and how you can turn your family's medical expenses into tax-favored business expenses.

- How the new law affects purchase of cars, computers, and equipment for your business!

- Proven low-stress, time saving techniques and strategies for avoiding an IRS audit!  (Our strategies can save you a whole lot of pain and heartache!)

- Why Insurance and Financial Professionals may safely qualify for a home office deduction!

- How to transform personal commuting to deductible business mileage!

- How to use a little-known rule that can double your entertainment deductions!

- How to help your accountant work a lot more effectively on your behalf!

- How keeping records the right way can open a whole new world of tax deductions.

- How to hire your spouse without triggering payroll taxes!

- The one-vehicle ownership mistake that can cost you thousands, even tens of thousands in dollars!

- The truth about appointment books and auto logs!

- One simple tactic that makes your deductions stand up and shout, "I am deductible!"

- How to deduct entertainment costs when you're paying only for yourself

- When the use of an office in your home actually reduces your chances of an IRS  audit!

- How to deduct the cost of a cruise without working while on-board the ship!

Bradford and Company And that's just for starters!

This seminar is presented by Maine Shafer of Bradford and Company Inc., and excerpted from the Bradford and Company, Inc. Tax Solutions Program optionally available to seminar attendees after the program.

For more information, please contact NAIFA-Jacksonville at 904-695-2300 or email info@NAIFA-Jacksonville.org.
Happy Holiday Wishes from NAIFA-Jacksonville!

Happy Holidays!
I would like to wish everyone a very Merry Christmas and Happy New Year! May 2015 be a very blessed year for everyone!!!

- Cindi Cook, Board Member

Wishing all of you and your Families, Merry Christmas, Happy New Year and continued health, peace and prosperity!

- Alicia Burst, Board Member

May you all have a wonderful Christmas with friends and family!  A special toast on New Year's for a healthy, prosperous 2015!

- Maureen Kirschhofer, CLU, ChFC, National Committeeperson

Wishing all of you a safe and joyous Holiday Season!  Be sure to set your New Year's Resolutions to join us at our 2015 events. We have some wonderful events planned and our first ever Awards Gala!   

- Cherri Coombs Ohmer, Association Executive



NAIFA-Jacksonville 43rd Annual Awards Gala Thursday, January 22, 2015

6:30 - 8:00 pm

Ramada Jacksonville
9150 Baymeadows Road
Jacksonville, FL  32256

2014 C.G. Snead/J.F. Bryan, III Memorial Award Presentation
2014 Community Service Award

Past Presidents, MDRT Qualifiers, NAIFA Managers Award Recipient & NAIFA Quality Award Recipients

Plus recognition of NAIFA's 125-Year Anniversary!


Black & White Business & Cocktail attire is encouraged but optional! Members, spouses & guests are welcome!

The cost is $35.00 per person, $60.00 per couple. The non-member cost is $40.00 per person, $70.00 per couple.

Reservations are necessary by Monday, January 12th.


APPS Para Medical Services   New York Life    Farm Bureau Insurance

For more information, please contact NAIFA-Jacksonville at 904-695-2300 or email info@NAIFA-Jacksonville.org. 

Young Advisors Team Report

Rebecca Brothers Becky Brothers
YAT Chair & Board Member

Happy Holidays and Happy New Year!  

YAT 2015: Watch out Jacksonville - We're taking over!

This year our socials are going to focus on COI's so we have put together a plan for local young industry professionals - the YPAJ.  Our vision is to build and develop lasting mutually beneficial relationships and referral sources between Young Advisors, Attorneys, and CPA's so that they may meet each other in an informal, non-threatening/intimidating environment to network with like-minded industry professionals that they think they would work best with as lasting professional relationships. This will insure the success and growth of our young industry professionals in developing mutually beneficial relationships that are a part of building a thriving and sound practice. We have already sent a copy of our plan to the local FiCPA - YCPA Chair and local bar and legal associations for them to review and help us gain support.  

Our first social will be in January/February so keep your eyes peeled and your ears open. We the YAT's need your support, participation, experience to help us forge the same key relationships that you have all done so successfully over the years.  Please join us and, once the dates and locations are announced, please reach out to your own COI's and their firms, ask them to share this information with their young professionals who have the same need for these relationships as we do.

YOU are the KEY to our YAT's SUCCESS.  Please promote YAT and NAIFA in your culture at the office.  In our vision to build a strong YAT Network with local professionals, Bar Associations, and  the FiCPA' s Young CPA Committee we need YOU on our TEAM as well as  your leadership and support. The success of our local YAT Initiative isn't done by YAT's alone. It's done as a chapter, it's done as a team, the success and growth of our YAT's and chapter is done through YOU, NAIFA- Jacksonville.
NAIFA- Florida's Top 40 Under 40- Managers, start nominating your YAT's after the first of the year. If you're a YAT, apply yourself and have your manager sign off for you - all YAT's are eligible.  If you don't apply and don't try you will never win and the answer will always be no.  Never doubt yourselves or your abilities EVER!   I know I don't - I've seen first-hand just how much young talent we have in Jacksonville and nothing would make me prouder than to see NAIFA-Jacksonville's YAT team dominate at the state conference this June. The recognition you receive statewide along with the press release has a positive impact for you the advisor and your firm, but don't take my word for it. Ask Angela Brown, Jeremy Pratchard, or Philip Rogero, just a few of last year's recipients from NAIFA-Jacksonville.

Any advisor 40 years or under may apply, member or not.  If selected as one of NAIFA-Florida's Top 40 Under 40, the selectee will need to be a NAIFA member by the set deadline (usually in May) in order to receive the award and the benefits that come with being one of NAIFA-Florida's Top 40 Under 40.  Please see Cheryl Canzanella, me, or a member of the YAT Committee with questions.  Details are available on our website along with the application.  Click HERE for more information. Don't forget NAIFA National's Top Four Advisors Under Forty. Our very own Deanna Brown was selected for this honor last year - who will it be this year?  Why not you?  Profiles of all Four Under 40 winners appear in September/October 2014 issue of Advisor Today.  

Know anybody YAT or otherwise studying for a designation?  The YAT team would like to form study groups for anyone that is, if you have any interest please email me at brothers.rebecca@principal.com no matter the designation you are working towards.

Please join us in welcoming Curtis James to our YAT Committee this year! If you have any questions about our vision and mission about YAT and the vital role we have in our organization and industry please feel free to ask me or any member of the YAT Committee.  A YAT may join the committee at any time and any NAIFA member may join us at our meetings.  It's an honor to be surrounded by so much talent. Together we can achieve any goal we set for ourselves and the chapter.
NAIFA-Jacksonville YAT

Please remember to watch our Facebook, LinkedIn, and Twitter accounts for important updates and news on industry socials and mixers coming your way and remember the more the merrier - all of NAIFA-Jacksonville membership is welcome to attend any YAT event we have.  We encourage and welcome your participation and what a great way to LEAD by EXAMPLE and show your support for your own YAT's and new advisors.  Let's start this year off strong!  I CHALLENGE each of you to bring a NEW YAT to our next luncheon as your guest.  I promise you I will.  Let's see how many of you will rise to the challenge. 

Game on!

For more information about NAIFA's Young Advisors Team, please click HERE.

Personal Lines PolicyCenter Webinars in December 2014

Citizens Citizens is pleased to partner with agent associations to present free webinars about PolicyCenter® for appointed agents and their support staff.

PolicyCenter will replace ePAS for all personal lines new-business submissions and renewal policies that are effective on or after February 1, 2015. Citizens is making every effort to ensure that there are training opportunities available to smoothly transition agents and agency staff from ePAS to PolicyCenter.

Before participating in the webinars, all attendees are encouraged to take the online training.

During the webinar, Citizens will present the following information:
  • PolicyCenter overview
  • New-business submissions
  • Servicing personal lines policies
  • Additional resources and job aids
  • These webinars do not provide continuing education credits for maintaining a Florida insurance license.
  • Attendees do not need to be members of the association to attend.
  • Seating is limited.
Register for any of these webinars using the links below:

Professional Insurance Agents of Florida (PIA)
Dec. 11, 2-4 p.m.
Register Here

Latin American Association of Insurance Agencies (LAAIA)
Dec. 12, 2-4 p.m.
Register Here

National Association of Insurance & Financial Advisors (NAIFA)
Dec. 16, 2-4 p.m.
Register Here

Specialty Insurance Agents of Florida (SIAoF)
Dec. 17, 2-4 p.m.
Register Here

* We urge attendees to log in 15 minutes early to confirm connectivity. See minimum computer requirements on each association's registration page or in confirmation emails. The associations nor Citizens can provide computer connectivity assistance.

Please visit the Agents section of our website for more information such as online and classroom training opportunities, underwriting manuals and forms, reference information and FAQs.

2014 Elections Good for Business!

Tim Meenan Timothy J. Meenan
NAIFA-Florida Lobbyist

The 2014 election cycle has ended after two long years of fundraising requests, endless campaign ads, and a tight election for Governor. How did NAIFA fare during these elections? Pretty darn good! In all, NAIFA's "Insurance and Financial Advisors PAC" gave to 89 different races, with 23 being democrats and 66 being republicans, and only suffered two losses.


By now you are aware that this governors' race was as close as any in recent history. It seemed like every day polls were out, and the Governor and Charlie Crist took turns topping the poll on a daily basis. In the end, a lower than expected turnout in Broward County is what most pundits point to explaining Charlie Crist's loss. One thing is for certain, Governor Scott has demonstrated his understanding of financial markets, and will be more favorable to your industry as we look to the next four years.

I expect Insurance Commissioner Kevin McCarty to stay right where he is, and that's a good thing for agents, as Kevin has been a strong supporter of streamlining agency licensing, opposing stranger originated life insurance, and uplifting the role of the agent in a world of Navigators and Federal Health Reform.

CFO Jeff Atwater, with whom I spent election night, easily cruised to re-election, along with Attorney General Pam Bondi and Agriculture Commissioner Adam Putnam. Expect strong cooperation at the Cabinet level with Rick Scott's pro-business agenda... for about 18 months, and then several of these cabinet members may begin a quiet campaign for Governor.

Let's just enjoy the harmony for now!


All of the 120 seats in the House and half of the 40 Senate seats were up for election in 2014. Leadership in both the House and Senate turns over every two years, so this fall brings new leaders and new committee assignments. Republicans in the House consolidated their hold to gain a supermajority, meaning they have a veto proof lead of more than two thirds of the chamber once again.   The Senate ratio of control remains unchanged. Steve Crisafulli, R - Merritt Island, won his reelection and will be sworn in as the next Speaker of the House. Andy Gardiner, R - Orlando, who was not up for reelection this year, but slated to be the next Senate President.

It's not clear who will be appointed to lead the House and Senate committees overseeing insurance, but a betting person might lay some money on Representative Bill Hager R-Boca Raton becoming House Insurance and Banking Subcommittee Chairman, and Senator Garret Richter, R-Naples, being slotted for the Senate Banking and Insurance Committee Chair.  

In the State Senate, there were only two hotly contested races. The second showdown between incumbent democratic Senator Maria Sachs and former senator Ellyn Bogdanoff ended with Senator Sachs retaining her seat by a two point margin. Republican Senator Jeff Brandes easily defeated Judithanne McLaughlin by an 8% margin. The final count in the Senate remains 26 Republican to 14 democrats.

In the House, many seats were up for grabs, several changed hands, and we face a good number of new members. In Hernando County, Republican Blaise Ingoglia is headed to the House, having defeated Democrat Ross Rocco (42%), and no-party candidates James Scavetta (4%) and Hamilton Hanson (3%) with 51% of the vote. In Pasco County, incumbent Rep. Amanda Murphy, D-New Port Richey, was victorious over Republican Chris Gregg, winning with 54% of the vote. In Osceola County, Democrat John Cortes defeated Republican Carlos Irizarry with 66% of the vote to Irizarry's 34% in an open seat. In Pinellas County, Republican Chris Latvala cruised to victory over Democratic opponent Stephen Sarnoff with 53% of the vote to Sarnoff's 47% in an open seat. In District 68, incumbent Rep. Dwight Dudley, D-St. Petersburg, managed to defeat Republican opponent Bill Young II by a margin of 53% to 47%. In Fort Lauderdale, incumbent Rep. Larry Lee Jr., D-Port St. Lucie, won re-election with a more than comfortable margin over Republican challenger Robert Siedlecki Jr.   In Boca Raton, incumbent Rep. Bill Hager, R-Delray Beach, won re-election with a comfortable margin over Democrat David Silvers. Hager held on to close to 53% of the vote, while Silvers only garnered 47%.

There were some upsets this election. In Orlando, Republican Mike Miller narrowly defeated incumbent Rep. Linda Stewart, D-Orlando, with 52% of the vote to Stewart's 48%. In Orange and Seminole Counties, Republican Bob Cortes unseated incumbent Rep. Karen Castor Dentel, D-Maitland, by winning 51% of the vote. In Seminole County, Republican Scott Plakon defeated incumbent Rep. Mike Clelland, D-Lake Mary, 57% to 43%. In Orlando, Rep. Joe Saunders, D-Orlando, was unseated by Republican challenger Rene "Coach P" Plasencia, who carried 51% of the vote to Saunders' 49%. In Tampa, former representative Shawn Harrison (R) retook the District 63 seat he lost to Rep. Mark Danish, D-Tampa, in 2012, winning a close victory with 52% of the vote to Danish's 47%. In St. Petersburg, Republican Chris Sprowls bested freshman Rep. Carl Zimmerman, D-Palm Harbor, with 52% of the vote to Zimmermann's 48%.

The final count in the House is 86 Republicans to 34 Democrats.


Now that the elections are over, we will begin to see insurance and other legislation filed in the House and Senate. NAIFA is looking at action on the health, life and property insurance fronts.

We expect to ask for some amendments to be made to reduce the confusion in the health marketplace being caused by differences in both Florida and Federal law. Why are we forced to offer the Standard, Basic and High Deductible Health plans when no one purchases them and they don't comply with Federal Law? Is full time employment indicated by a workweek of 26 or 30 hours? Are dependents up to age 26 or 30 covered? Are supplemental plans converted into mini med plans allowed to be sold in Florida? These and other questions confound our health insurance market.

NAIFA is currently fighting attempts surfacing for next year to reduce the number of pre-licensing hours needed to sell life insurance, opposing a "term life only" agents license, and other attempts to water down important consumer protection provided by assuring new agents are educated and ready to handle life insurance, annuity, and other financial issues.  

Stranger Owned Life Insurance has a way of rearing its ugly head almost every session, and we stand ready to fight back against any effort to legitimize this opportunity to prey upon our senior citizens.

In the property insurance market, fights to lower the taxes coming from CAT Fund assessments by decreasing CAT Fund coverage, restricting assigning benefits on property claims, and other issues are likely to move to the forefront.

Will the legislature move to eliminate PIP and replace it with mandatory bodily injury insurance? Possibly. Will the Legislature address the growing number of automobile bad faith claims by plaintiffs' lawyers gaming the system? Maybe. In the end, hundreds of bills and thousands of amendments will be filed during the 2015 Florida legislative session that affect your business, and we will be here reviewing every single one and defending your interests.

NAIFA-Jax 40-Hour Prelicensing Course!
Professional Development
Next Course Dates:
December 12th - 15th    
(Friday - Monday) 
8:00 a.m. to 6:00 p.m.

UNF Herbert University Center
12000 Alumni Dr., Jacksonville, FL 32224  
Fee: $149.00  
Looking to broaden your career opportunities? Jobs are available now for those with a 2-15 license. Many of these career positions pay on average $51K+ per year.
To prepare you for the test and a career in healthcare insurance sales, you will learn Federal and State regulations, legal concepts of the insurance contract, life and health insurance, health and accident insurance, and disability and medical reimbursements.
  • Course is designed and expertly taught in compliance with the State of Florida's rules.
  • Successful completion qualifies you to take the state exam to obtain a Life, Health & Variable Annuity License.
  • Becoming a 2-15 Agent allows you to sell fixed and variable annuities and all forms of life, health and accident insurance policies representing insurers in Florida.

Complete details can be found on our website or register online by clicking HERE.


NAIFA Congressional Conference

2015 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

Your Support of IFAPAC is 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.
Member Benefit of the Month
Budget 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
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Please add info@NAIFA-Jacksonville.org or Cherri@NAIFA-Jacksonville.org to your e-mail "Contacts" list and update your spam filters to allow us to deliver the latest NAIFA-Jacksonville news and events! For more information, contact the Association office at (904) 695-2300.
Please keep us up to date with your contact information!

 To update your membership information with NAIFA, click HERE.
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