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February 2011

Next Meeting - Tuesday, February 22nd, 2011

Luncheon 11:15am – 1:00pm

Olin Ragsdale to Receive 2011 Career Service Award

Olin Ragsdale, CLU, AEP, BCE, LUTCF, will receive this year’s NAIFA-Fort Worth Career

Service Award at the February 22nd luncheon at Ridglea Country Club. He is being

honored for his service to the financial services industry and to his community.

Olin Ragsdale hails from the “Rising Star of the Metroplex”, Roanoke, Texas, where his

family is listed among the original settlers. He lived in Roanoke until he was drafted and

served two years in the U.S. Army. When he returned, he married his high school

sweetheart, Barbara Baltzelle, and they had two daughters – Ami, who passed away at

the age of 17, and Shelli, who is an attorney specializing in Estate Planning. Soon after

his marriage, Olin entered the insurance business and achieved early success by

qualifying for the Million Dollar Roundtable and for other industry awards. He began his

career by cold calling on lawyers and developing his career in estate planning. He

credits his success in this market to the good training he received at Mass Mutual and,

in particular, the assistance he received from the general agent, Cary Parks, CLU. Olin has a great love of

learning, as represented by his many designations. He received the CLU designation in 2003, the AEP

(Accredited Estate Planner) designation from the National Association of Estate Planners and, most recently,

the BCE (Board Certified in Estate Planning) designation from the Institute of Business and Finance. Less than 1%

of estate planners hold this prestigious designation.

Olin has given service to the industry as Community Service Chair and by moderating classes in the

Foundations of Estate Planning in the LUTC Curriculum. Currently, he is the president-elect of the Tarrant County

Chapter of the Society of Financial Service Professionals. As program chairman of this organization, he is proud

to announce a special program sponsored by the Society and the Tarrant County Bar Association entitled,

“Back to the Future: Estate Tax Avoidance Planning”, to be held on February 16th.

Olin’s community service work is just as extensive as his service to the industry. When asked of what he was most

proud, he replied that his “work with Big Brothers was outstanding.” He brought the alliance with Big Brothers to

FWALU (NAIFA-Fort Worth) when he was 25 years old. Ten years later, he was honored for his ten years of service

as a Big Brother. Olin also served on the board of directors for Big Brothers for 5 years, and was the director of

the Fort Worth Soap Box Derby. In addition, he has served as a coach in many YMCA programs, and has taught

Sunday school and served as an assistant youth director in his church for twenty years. Olin also helped with

karate instruction for YES (Youth Enrichment Skills), a program founded by Richard Morris to encourage gang

members to take their lives in a new direction. Olin is well known for his mentoring spirit, whether it be a young

child in need of guidance or a young agent in need of assistance.

Olin Ragsdale is a family man who brags about continuing to take his beautiful wife, Barbara, on dates, and

who bursts with pride in his daughter, Shelli, her husband, Ben Harveson, and his two grandchildren, Eden and

Henry. Olin is an Investment Advisor Representative with Signal Securities, Inc.

CLICK HERE TO REGISTER ONLINE FOR THIS MONTH’S LUNCHEON

February 2011

President’s Letter

Timothy Roels, Jr.

Dear Fellow Member,

NAIFA-Fort Worth would like to THANK YOU for your continued support. While you

are reading this letter, there is a group of members representing you down in

Austin, TX at the capital. Today is our Legislative Day on the hill. Members will be

meeting with our local representatives and speaking to them about hot topic

issues such as health care reform, why the agent plays an important role, and protecting the tax

advantages of life and annuity contracts. Legislative Day is an eye opening experience every

member should do at least once. Remember this opportunity only presents itself every other year.

I would like to encourage you to make NAIFA part of your business plan this year if you haven’t

already. While we appreciate your financial support, make sure you take advantage of the

luncheons, sponsor’s sales ideas and product information, Continued Education (15 hours every year),

website, member discounts, YAT, and community service projects. I would also challenge you to join a

committee, even if you have served on the board in the past or are a past president. Your knowledge

is needed and wanted by the new members. Please contact a board member or me if you would like

to learn more.

Two events I want to make sure get on your calendar are the golf tournament on April 20th and the

Career Awards Luncheon on May 24th. Please review the calendar that is in the newsletter for

luncheon dates.

Tim Roels, Jr.

NAIFA-Fort Worth President

Help Shape Future NAIFA-Fort Worth Leadership

We are in the process of selecting our future leaders for NAIFA-Fort Worth. Each year, our nominating

committee meets in February to review the pool of nominees that applied or were nominated. The

committee will present its recommendations to the board at the regular board meeting in February. The

nominees selected by the committee shall be published in the newsletter and distributed to all active

members at least (1) month prior to the annual meeting. It's not too late to apply or nominate someone by

completing and submitting the form here.

Feel free to call the NAIFA-Fort Worth office with questions or for more information.

NAIFA-Fort Worth encourages you to participate in this process.

Governor Declares September as Life Insurance Awareness Month

The CLTC course will literally change every aspect of how you position long-term care insurance.

Here’s how:• It’s not risk… it’s consequences:

Instead of using the risk of needing care to motivate your client to buy LTCi, you learn how to use the consequences to his family’s emotional, physical and fi nancial wellbeing, if he did.

• It’s not product… it’s planning: Rather than focus on how to sell LTCi, you are given the tools to create a plan that will allow him to remain in the community, while protecting his family.

• It’s not asset protection… it’s income protection: You discover that LTCi doesn’t protect assets - it protects retirement income by funding a plan for care.

• No more objections… just agreement: Learn to eliminate objections to planning such as, “I’ll never need care”; “I won’t live a long life”; or “I’ve been told by my lawyer, CPA or fi nancial advisor that I can self-insure”.

For questions or to register for a class

call 877.771.2582 or

Visit us on the web at www.ltc-cltc.com

The Certified in Long - Term Care (CLTC) Master Class is coming

to Texas!

February 7 & 8, 2011

Northwestern Mutual 1300 Summit Ave; Suite 200

Fort Worth, TX 76102

HoursDay 1: 8:30am - 6pm & Day 2: 8:30am - 5pm

Attire is business casual

Instructor - Harley Gordon

Tuition*$1165(Retail price $1365)

“Advanced” Early Registration Discount

Reserve your seat by December 15 and delay your payments until January 2011

Pay $965

4 - pay tuition financingNo additional charge

Earn 12-15 CE CreditsCFP credits also available

“CLTC” designation Awarded after passing exam

*Tuition includes course material, CE & exam proctored by Prometric

“CLTC taught me how to take a product that my client didn’t think he needed and turn it into a something he couldn’t live without!”

“I was never comfortable discussing LTC insurance before taking the CLTC course. Now it’s exactly like selling life and disability income products - even annuities.”

An investment that

pays for itself with

one sale

05/10/10

,

Insurance and financial institutions generally recognize the CLTC designation. It is advised that you consult with your compliance department before using this or any other designation.

Course Pricing

All prices include a $70 fee for shipping, handling, CE filing and Prometric exam

Master Class retail: $1365 Master Class retake: $495 Special promotion: $________________

Master Class w/ discount: $1165 Retake w/ NEW student referral: $295

NEW student name: ___________________________________________________

To complete your registration

All candidates are required to read the CLTC Code of Professional Responsibility at www.ltc-cltc.com and sign and return the CLTC Pledge on the reverse page. Your acceptance will be kept on permanent file at the Corporation for Long-Term Care Certification, Inc.

Name Date

Agency name Independent producer Career agent Name _______________________________________

Primary mailing address (No PO boxes please)

City State Zip

Email Phone

Cell Fax

Required information to process your CE credits

Social security # (CA, NY, IN residents only) Resident License State Resident Insurance license #

Residence address National Producer (NP) # Find at: www.nipr.com

City State Zip

Professional designation(s) CFP CLU ChFC CPA LUTCF CSA LTCP Other ___________ Primary specialty Promotional code (if any) CFP credits Pace credits

(Add $25 if requested) CFP ID# __________

Date: February 7 & 8, 2011

Location: Fort Worth, TX

Class Hours: Day 1: 8:30am - 6pm Day 2: 8:30am - 5pm

Dress code is business casual

IMPORTANT: Incomplete or illegible information will delay CE processing.

You must register a minimum of 45 days prior to the class to ensure receiving proper CE credits.

Payment method: Check MasterCard Visa American Express Discover Tuition amount $ ______________

(if applicable) Add $25 for CFP/PACE credits $ ______________

Payment options: Single-pay 4-pay* TOTAL amount $ _____________ **4-pay option does NOT apply to Master Class retake tuition or if paying by check. By selecting 4-pay, you authorize CLTC to automatically charge the credit card listed below

for 4-monthly payments, beginning on the date CLTC receives your registration form.

Credit Card # ____________________________________________________________________ Exp. date ________ / ________ CID # ____________ (3 or 4 digits on reverse side of card) Name of cardholder __________________________________________________________________________________________________________________

Billing address _______________________________________________________________________________________________________________________

Cardholder’s signature___________________________________________________________ Date _____________________________________________

We reserve the right to demand payment of the balance due in full if we are unable to charge an installment against your account. If your card will expire during the installment period, we must have a new card number or expiration date at least 20 days prior to expiration, or we have the right to charge the outstanding balance to your account prior to

the expiration date. Offer subject to change at any time without prior notice. Graduate benefits are supported by an annual renewal fee.

CLTC Master Class Registration Form

The Corporation for Long-Term Care Certification, Inc. 188 Needham Street, Suite 230 Newton, MA 02464 Phone (877) 771-2582 or (617) 796-9788 Fax (617) 796-9268 Website www.ltc-cltc.com

05/10/10

The CLTC Board of Standards

The CLTC Pledge All graduates of the Certified in Long-Term Care (CLTC) program are required by the independent CLTC Board of Standards, Inc. (Board) to renew their designation yearly, at which time they must show that they have maintained a minimum standard of competence. It is based on the principal that graduates can continue to serve their clients with the highest degree of professionalism only if kept informed on advances in planning techniques and changes in both the long-term care insurance market and regulatory bodies. The Board has determined that this essential information is not currently available through continuing education programs. After a thorough review of the content available on the CLTC Graduate web site (Site) the Board has determined that, it provides the tools to meet the minimum standards to maintain competency. The products, services and information available on the website are supported only through renewal fees. The Board has determined that accepting funding from the insurance industry or referral fees from vendors would compromise the integrity of the CLTC designation. The payment of an annual renewal fee demonstrates a commitment to continuing education by giving you access to the material necessary to meet the minimum standard of competence called for. Graduates who do not pay said fee have made a decision not to remain engaged in the profession at the level required by the Board and therefore will be considered to have voluntarily relinquished their CLTC designation. The individual will be removed from our list of graduates, denied access to the Graduate web site and if appropriate, notice of the same will be forwarded to that person’s company. To avoid any future misunderstanding, designees are required to sign and return the following Pledge; otherwise, their renewal remittance will not be processed:

1. I understand that acquiring the CLTC designation is the first step in a commitment to the profession of long - term care planning.

2. I understand that to serve my clients with the highest degree of professionalism I must stay informed on advances in

planning techniques and changes in both the long-term care insurance market and regulatory bodies.

3. I understand that the CLTC Board of Standards has set minimum educational criteria for renewing the designation. I further understand that the materials and services that allow me to meet those criteria are contained in the CLTC Graduate web site. Failure to renew access to required CLTC education will act as a voluntary relinquishment of the CLTC designation.

4. I understand that I am required by the CLTC Board of Standards, Inc. to successfully complete a CLTC Ethics course

every two years in order to continue holding the CLTC Designation.

5. I hereby agree to abide to the terms of the CLTC Code of Professional Responsibility, including continued learning. CLTC Renewal Policy: Beginning one year after the date you pass the exam, one of the following plans is required:

Annual Plan: $150.00 by check, credit card or money order Lifetime Membership: $895.00 by check, credit card or money order

Please Print: Last Name ______________________________________ First Name ______________________________________ Date ___________________________________________ Course reference # (if applicable) ____________________ Signature _______________________________________________________________________________________

Fax this completed form to (617) 796-9268 or you may mail it to:

CLTCC 188 Needham Street, Suite 230

Newton, MA 02464

Power of Mentoring “Whatever success has been bestowed upon me thus far in my life has been the result of the kindness and dedication of mentors,” MDRT past President Philip E. Harriman, CLU, ChFC, told Main Platform attendees. Revealing how the mentors in his life helped him overcome the family turmoil that marked his early years, Harriman, a 28-year MDRT member from Falmouth, Maine, recalled an idyllic early childhood. However, that gave way to tumultuous teenage years, when the cruelty of his classmates revealed that his parents were different. Harriman said his father was physically disabled as a result of multiple surgeries stemming from childhood health issues, and his mother suffered from mental illness that led to involuntary hospitalizations. “By the time I was 13, my parents had become more and more abusive to one another,” he recalled. “I still vividly remember having to step in between them to keep the peace. “A bitter divorce ensued. After the divorce, my younger brother was sent away to a special education school, and I was thrust into caring as best I could for my mentally disabled mother.” The trauma Harriman endured during his formative years took a toll. Adrift at age 15, he fell in with a troubled crowd and lacked positive direction in his life. Yet, Harriman said, there were special people in his life who chose to look beyond the dysfunction of his family, and instead focused on his potential. Through these mentors, Harriman explained, he was able to move forward despite the disappointments of his upbringing. One of his first mentors, a middle school teacher, challenged Harriman to develop his athletic abilities through discipline, commitment, focus and goal setting. By his senior year in high school, Harriman was serving as co-captain of the basketball team and earned a partial scholarship to play college basketball. In college, Harriman said, a professor took the time to introduce him to the field of insurance. “Thanks to him, I discovered the miracle of how insurance works and what it does for families, businesses and communities around the world,” he said. Once he earned MDRT membership, Harriman said, his fellow members showed him how volunteering would allow him to fully experience the benefits of the Round Table. “That was the best advice,” he said. “It is right here, at MDRT, where I discovered my leadership skills, and serving as your President has been the highest honor of my career.” Harriman said many other mentors, including his wife, Christie, and one of his longtime clients, have inspired him to want to be better. “Would you agree that you got here — to this place of excellence — because someone cared enough about you to become your mentor?” he asked. Harriman said mentoring is the heart and soul of MDRT, and he encouraged attendees to carry on the tradition. “Become a mentor beginning right now,” Harriman urged. “Take time to reach down, reach back and lend a hand to someone trying to make it in this profession. It’s good tonic for your soul, and your advice will bear fruit long after your days are gone.” Philip E. Harriman, CLU, ChFC served as 2007 MDRT President and is a 28-year member of the Round Table with four Court of the Table and 11 Top of the Table qualifications. His entire 2010 Annual Meeting presentation is available for purchase at www.mdrtpowercenter.org.

Million Dollar Round Table Phone: +1 847.692.6378 | Fax: +1 847.518.8921 | Website: www.mdrt.org

February 2011

January Annuity Certification Class a Success

Over 25 people filled the training room in

Northwestern Mutual’s Fort Worth office for

January’s annuity certification class

facilitated by Glen Baecker. Thanks to

Northwestern Mutual for hosting this event.

Additional opportunities to earn classroom

continuing education credits are coming this

year. Look for more information in the

coming months.

Save the Date!

Mark your calendar to participate in the

2011 NAIFA-Fort Worth Golf Tournament on

Wednesday, April 20, 2011.

This year’s tournament will be held at

Woodhaven Country Club.

The tournament will begin with a shotgun

start at 1:00pm.

More details will be coming soon!

Did You Know?

In 2010, New York Life grew their NAIFA membership nearly 50% from 4,000 to

over 6,000 members nationwide. Thanks to New York Life for supporting NAIFA!

February 2011

NAIFA-Fort Worth January Luncheon

Murray Morton and Bernie Henyon

Thanks to Bobby Johnson from luncheon sponsor

Midland National for supporting NAIFA-Fort Worth!

Thanks also to Brenda Harris from luncheon sponsor

American Legacy for supporting NAIFA-Fort Worth!

Tim Roels, Firefighter of the Year-Captain Richard

Wier, Lesley Pinckard and John Park

Luncheon speaker Ted Harris from AssetSource, Inc.

Brett Ruddell presents a PAC drawing prize to

drawing winner Joanne Dula

February 2011

2010-2011

Calendar of Events

February 1st NAIFA-Texas Legislature Day in Austin

February 7-8 CLTC Master Class, facilitated by Harley Gordon

February 22nd 9:30-11:00 Board Meeting/luncheon at RCC 11:15-1:00pm

March 1st Newsletter e-mail

March 29th 9:30-11:00 Board Meeting/NO LUNCHEON….

April 5th Newsletter e-mail

April 20th 2011 NAIFA-Fort Worth Golf Tournament – 1:00pm Shotgun Start at

Woodhaven Country Club

April 26th 9:30-11:00 Board Meeting/luncheon “Business Meeting” at RCC

11:15-1:00pm

May 3rd Newsletter e-mail

May 24th 9:30-11:00 Board Meeting/luncheon at RCC 11:15-1:00pm NOT THE

LAST TUESDAY!!!!

February 2011

February 2011

Newsletter Advertising Opportunity

NAIFA-Fort Worth offers you the chance to be seen in front of advisors and agents all over

Texas 12 times per year with our updated ad price guide. You get a full color ad in each

issue in the one size you want. The prices are simple:

Full page $700 ¾ page $600

½ page $400 ¼ page $200

Business card size $150

If you would like to advertise with the NAIFA-Fort Worth LifeTimes Newsletter, please call 817-

492-0637 or email info@fwaifa.org to get started. The next newsletter deadline is February 17,

2011.