May 2012 Greetings to all. We move ahead to the May meetings, where on Thursday May 10, 2012 we will hold our annual Westminster “Legislative Update #C50987”. This meeting will feature members of our Maryland House of Delegates and Senate to deliver to us an update on recent legislation from the Maryland session. As in the past, our friends at GBS have arranged for this presentation to be accredited for 2 hours of either property/casualty or life/health in Maryland! Additionally on Friday May 18, 2012 we will hold our Howard meeting and feature two one hour disability income insurance courses (“An Introduction to Disability Insurance” #C31839 & “Disability Protection for Retirement Contributions” #C38217) delivered by our friends from Guardian. Please be sure to register in advance for these great opportunities.

May is our month for the Relay for Life. As in years past, Brenda Myers, LUTCF, FSS will be heading up out “Lifers” team efforts. Please make an effort to help her by walking or contacting her to contribute (410-876-0500). Finally in the news this month our national association issued this press release:On April 24, 2012 Sens. Jon Tester (D-Mont.) and Mike Johanns (R-Neb.) have introduced the National Association of Registered Agents & Brokers Act (NARAB II), which would establish a federal licensing clearinghouse for insurance agents who operate in multiple states. NAIFA appreciates the efforts of Senator Tester and Senator Johanns to generate momentum for NARAB II,” said NAIFA President Robert Miller. “The bill would go a long way toward removing some of the regulatory hurdles that make it more difficult for insurance agents to serve the American public.”

Finally, attached is our board’s recommended slate of officers and directors for the June annual association election.

Best Wishes,

Harv Tegeler, LUTCF, FSS, FIC
President

We invite you to visit us or attend an event. Our members are more than happy to answer any questions you may have about the organization and how you can join.

Please get in touch to offer comments and join our mailing list.

National Association of Insurance & Financial Advisors-Carroll/Howard presented a $750 scholarship to Carroll Community College at the March 8^th general membership meeting. Accepting the check is Kathy Mayan, Institutional Advancement Coordinator for Carroll Community College Foundation.

Also present was Justin Tunzi, a second year student majoring in Arts and Science who willbenefit from this scholarship. He plans to pursue an engineering degree.

Pictured left to right are: Kathy Mayan, Institutional Advancement Coordinator; Justin Tunzi, scholarship recipient and Brenda Myers, National Association of Insurance & Financial Advisors Carroll/Howard Community Service Chair.

Joe Craw, CFS, FSS, LUTCF, was recognized at the January 12^th general membership meeting of National Association of Insurance & Financial Advisors-Carroll/Howard for earning the Life Underwriters Training Council Fellow (LUTCF) and Financial Services Specialist (FSS) designations. Craw took 8 advanced courses related to the insurance industry and passed all exams to earn these designations.

Craw is associated with Turning Point Benefit Group, Inc. located in Frederick, MD. Pictured left to right are: Harvey Tegeler, President, National Association of Insurance & Financial Advisors-Carroll/Howard and Joe Craw, Turning Point Benefit Group, Inc.

The National Association of Insurance & Financial Advisors-Carroll/Howard held its annual Awards breakfast on December 8, 2011 at the Best Western Conference Center. The following received awards:

NATIONAL QUALITY AWARD

The National Quality Award recognizes advisors specializing in Life and Annuities, Financial Advising & Investments, Health and Employee Benefits, Multiline Sales or any combination of these specialities.

Receiving this award:

James F. Adair, III, CLTC – James Adair & Associates – 4th year

Michael A. Kremer, CFP, ChFC – State Farm – 7^th year

Harvey Tegeler, LUTCF, FSS – Interstate Financial Services – 9^th year

Karen M. Palmer, CLU – New York Life Insurance Co. – 15^th year

MILLION- DOLLAR ROUND TABLE AWARD The Million-Dollar Round Table Award is awarded to agents who achieve high client service productions. Receiving the Million-Dollar Round Table Award is:

Robert Bobango – Greater MidAtlantic – 1^st year

Ryan Mc Gonigal – New York Life Insurance Co. – 1^st year

Brenda M. Myers, LUTCF, FSS – Interstate Financial Services – 2^nd year

M. Kathy Troxell – Turning Point Benefit Group – 2nd year – Court of Table

Ralph D. DiFelice, FSS – Capital Associates, LLC – 4th year

Brian S. Jolles, CSA – Jolles Insurance - 4th year – Court of Table

Roger A. Diehl, CLTC, LUTCF - Prudential Financial Services – 6^th year

Harvey I. Tegeler, LUTCF, FSS – Interstate Financial Services – 8^th year

Andreas T. Dailey, Sr., CLTC – Prudential Financial – 13^th year

Karen M. Palmer, CLU – New York Life Insurance Company – 15^th year

Eric A. Metzman – Metzman & Associates – 21st year – Court of Table

Buna B. Cumbie, II, CLU, ChFC – First Financial Group – 24th year

Pictured are members present to receive awards. Left to Right – Seated: Harvey Tegeler and Roger Diehl. Standing: Kathy Troxell, Ralph DiFelice, Karen Palmer, Brian Jolles and Brenda Myers.

Breakfast to Breakfast Campaign

National Association of Insurance & Financial Advisors-Carroll/Howard presented a check for $400 to Ed Leister, Chairman of Board of Directors for Carroll County Food Sunday at the December 8^th general membership meeting held at the Best Western Conference Center. The association raised monies through member donations. Additionally, the organization presented boxes of cereals for the Breakfast to Breakfast campaign.Pictured from left to right are: Brenda Myers, Community Service Chairperson for NAIFA-Carroll/Howard and Ed Leister of Carroll County Food Sunday.

National Association of Insurance & Financial Advisors-Carroll/Howard

Donates Coats & Funds

National Association of Insurance & Financial Advisors-Carroll/Howard participated in the Shepherd’s Staff annual Call for Coats program by donating coats and toiletries for the Blessing Closet. The association also presented a check for $250 to help fund additional programs offered to the community at the general membership meeting held on November 10^th at the Best Western Conference Center.

Pictured left to right are: Brenda Myers, Community Service Chairperson and Brenda Meadows, Assistant to the Director of Shepherd Staff.

National Association of Insurance & Financial Advisors-Carroll/Howard Donates to Hospice

National Association of Insurance & Financial Advisors-Carroll/Howard donated $250 to Carroll Hospice at the Board of Directors meeting held October 27^th at the Women’s Place offices located in The Billingslea Building, Westminster, MD.

Accepting the check is: Ginny Gambino, Director of Philanthropic Planning of Carroll Hospice from Brenda Myers, NAIFA-Carroll/Howard Community Chairperson.

National Association of Insurance & Financial Advisors-Carroll/Howard

Installs Officers for 2011 – 2012

National Association of Insurance & Financial Advisors-Carroll/Howard installed officers for the 2011 – 2012 year at the October 13^th general membership meeting held at the Best Western Westminster Conference Center. Steve Aquino, President of NAIFA-MD installed the officers.

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Pictured left to right: Seated Front Row: Roger Diehl, Past President, IFAPAC and National

The National Association of Insurance & Financial Advisors held their annual convention in Washington, D.C., September 11-14^th. Representing both Maryland and local chapter, National Association of Insurance & Financial Advisors-Carroll/Howard were Roger Diehl, MD State Past President and State Chairman for Insurance & Financial Advisors Political Action Committee; Jim Kelly, voting delegate for National Association of Insurance & Financial Advisors-Carroll/Howard; Steve Aquino, MD State National Association of Insurance & Financial Advisors President and Gillian Lotz, voting delegate for National Association of Insurance & Financial Advisors-Carroll/Howard.

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Pictured from left to right are: Roger Diehl, Jim Kelly and Steve Aquino. Missing from photo is Gillian Lotz.

National Association of Insurance & Financial Advisors-Carroll/Howard earns top recognition at Financial Conference

Five members of NAIFA-Carroll/Howard received awards from the Maryland Association of Insurance & Financial Advisors during the annual leadership conference held September 9^th in Annapolis at the Lowes Conference Center.

Harvey Tegeler, professional development chair, received the Professional Development Award. During the past year, Tegeler organized and taught several courses to local agents for continuing education. He also organized an all-day Super Continuing Education Saturday for agents. This is the 7^th consecutive year that Tegeler has received this award.

Roger Diehl, Past President of NAIFA-Carroll/Howard received the Gold Membership Award for our association’s recruiting and retention of members.

Brenda Myers, community service chairwoman, received the Kurt Andrews Community Service Award for her leadership in the local community service projects for the association, which include participation in the Shepherd’s Staff Call for Coats program, American Cancer Society’s Relay for Life, Scholarships awarded to both Carroll Community College and Howard County Community College and donations to Carroll County Food Sunday, Carroll Hospice and The ARC. This is the 9^th consecutive year that Myers has received this award.

Steve Aquino, Insurance & Financial Advisors Political Action Committee Chairperson, received the IFAPAC Award for outstanding fundraising for the Maryland Insurance & Financial

Advisors Political Action Committee.

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Donation to the ARC of Carroll County

On June 9^th, Brenda Myers, Community Service Chair of the National Association of Insurance & Financial Advisors-Carroll/Howard, presented Donald Rowe, Executive Director of The ARC of Carroll County with a donation of $500. The presentation was made at the associations general membership meeting held at Best Western Conference Center, Westminster, MD. Mr. Rowe also brought samples of greeting cards made by clients of The ARC.

Pictured from left to right are: Donald Rowe, Executive Director, The ARC; Brenda Myers, Community Service Chair and Roger Diehl, President NAIFA-Carroll/Howard