The Register ● April 2004 ● Page

NASD Lists the RFC. The RFC and RFA are among those designa-tions that have been researched and listed by the NASD. Page 1 Gwynne Receives Dunton Award for his significant contributions to the profession. Page 1 Letters-to-the-Editor. Review how IARFC member Carl Hegner re-sponds to Investment News. Page 3 From the President’s Desk. An up-date from Ed Morrow. Page 4 Use Your Designation. Simple tech-niques to enhance your image. Page 5 New IARFC Image Building Tools. Keep your visitors aware of your RFC status. Page 6 Financial Advisors Forum. Regis-ter Today to attend this premier educational event! Page 8 New Members and Referrors. Look at all our new members and espe-cially the growing number of refer-ring RFC members! Page 12 The IARFC Register is published by the International Association of Registered Financial Consultants, Inc. Copyright 2004 by the IARFC.

The Register publishes articles on techni-cal subjects, economic events and practice management. The IARFC makes no claim as to the accuracy of such advice and the Association does not guarantee or endorse any product or service that may be adver-tised or featured.

Comments and publishable letters from our readers are welcome, and should be sent by e-mail to: director@IARFC.org

Inside This Issue Gwynne Receives Dunton Award

Vernon Gwynne, RFC

The 2004 recipient of the Loren Dunton Memorial Award is Vernon Gwynne, RFC of Lady Lake, Florida. The award is pre-sented by the IARFC in honor of Loren Dunton, who is regarded as the founder of financial planning organizations in the U.S. The award will be presented at the Finan-cial Advisors Forum on May 6-8 in New Orleans. Vernon David Gwynne graduated from high school in Tampa, Florida, passed the Navy exams for the V5 program for Navy pilots, and was sent to Yale University. WWII ended and the officer candidates were sent to boot camp, then to various fleet assign-ments, with Gwynne going to a destroyer minesweeper on the west coast. He started in the investment business with IDS in 1950 (with the Dow at 250) and be-came a Divisional Manager in Washington,

(Continued on page 2)

Many financial advisors and most of the public are not aware of the substantial amount of information made available by the National Association of Securities Dealers on its website: www.NASD.com. If you have not visited the site recently, you probably should do so. Financial Designation Listing. The NASD provides information as a ser-vice to the investing public. A major sec-tion of the website is devoted to Investor Education. One topic that is covered is Understanding Investment Professional Designations. You can review this di-rectly by entering the following URL: www.NASD.com/Investor/Resources/Designations Following is what the NASD says about designations: “Investors can sometimes become con-fused by the many designations used by investment professionals. You should be careful judging anyone's qualifications from a set of initials following a name. Use the selection box below to help you sort through the list of professional desig-nations and to better understand what edu-cation and experience requirements are necessary for a designation and whether the granting organization mandates con-tinuing education, offers a public discipli-nary process, provides a means to check a professional's status, and otherwise en-sures that a professional designation is more than just a string of letters.” NASD Rule of Conduct 2210 prohibits brokerage firms and brokers registered with NASD from referencing nonexistent or self-conferred degrees or designations

(Continued on page 5)

NASD Lists the IARFC

Vol. 5 No. 4 ● April 2004 Official Publication of the IARFC

The Register ● April 2004 ● Page 2

Financial Planning Building 2507 North Verity Parkway Middletown, OH 45042-0506

800 532 9060 • Fax 513 424 5752 www .IARFC.org

Edwin P. Morrow, President CLU, ChFC, CFP, CEP, RFC

Judith Fisette-Losz, Executive Director

Wendy M. Kennedy, Editor

H. Stephen Bailey LUTCF, CEBA, CEP, CSA, RFC

John E. Grable MBA, Ph.D, CFP, RFC

Richard D. Landsberg JD, LLM, APM, RFC

David L. Lazenby MA, Ph.D, RFC

Vance D. Lowe CLU, ChFC, RFC

Constance O. Luttrell RFC

James McCarty CLU, RHU, LUTCF, RFC

Burnett Marus RFC

Jerry Mason Ph.D., CLU, ChFC, RFC

William J. Nelson LUTCF, CEP, RFC

Robert H. Rodermund RFC

Ronald K. Stair AEP, EA, MLT, Ph.D., RFC

****************************

Jeffrey Chiew, Asia Chair DBA, CLU, ChFC, CFP, RFC

Edward Shih, Greater China Chair FLMI, RFC

Liang Tien Lung Asia Development Organization (IMM)

RFC

Financial professionals dedicated to helping people do a better job of spending, saving,

investing, insuring and planning.

BOARD OF DIRECTORS

D.C. and later in Atlanta, Ga. He was recalled by the military during the Ko-rean War and served for three more years as Weapons Officer on an anti-submarine destroyer. Thereafter, he served in the Naval Reserve, rising to the rank of Commander. Upon release from this second tour of duty, Vernon accepted a position in 1955 with Western Union, headquartered in New York City and was ultimately re-sponsible for the sales force handling $400,000,000 of annual sales in public messages, market research and telex business. He was assigned to and be-came President of three subsidiary cor-porations of the Western Union Corpora-tion. In 1973 he became VP of Training for the Financial Service Corporation (FSC) in Atlanta. Later he became Senior Vice President of Marketing and Operations for FSC. But, his true love was personal financial services, so in 1977 Vern re-turned to the investment business as a principal in the Atlanta firm of Hamlett, Gwynne, Wells, Parsons and Associates. Vern has been a Registered Principal, Registered Investment Advisor, and held insurance, disability and variable annuity licenses. He earned his CFP among the first 50 in the world and later became a Registered Financial Consultant, (RFC). He wrote many of the first exam ques-tions for the Certified Financial Planner program as it continued to expand dur-ing the 70s and 80s. The first offices of the IAFP were lo-cated in Denver, but in 1978 the organi-zation (established in 1971 by Loren Dunton) was in disarray. The records and the organization were moved to At-lanta, and Bob Spencer, then president of IAFP, persuaded Vern to place his private financial practice on hold and run the IAFP. Gwynne spearheaded to efforts to rebuild the organization and produced:

• Code of Ethics • Standards of Professional Conduct • Corporate Program • Financial Planning Update • Expanded the Financial Planning

magazine

(Continued from page 1) During his tenure at IAFP from 1978 to 1982, the treasury went from zero to over one million when he retired. Membership was only 3,900 when he assumed the execu-tive director’s role and when he left it was 13,000. Gwynne set a standard of perform-ance and stimulated an atmosphere of “class” that helped the IAFP grow exponen-tially. After leaving the IAFP In 1982 along with Kay Baird he formed Source International, headquartered in Irving, Texas. Source was a broker dealer that grew to 160 reps before its acquisition by a CPA firm. Thereafter Vernon conceived and began working on his present company, Financial Services Ex-change, Inc., referred to as FSX, which be-gan operations in 1984 FSX is a corporation specializing in due diligence services, presenting an exchange between investment sponsors who are look-ing for money and for NASD member firms having clients able to place money and who are looking for attractive investments. One of the most valuable parts of FSX is a quar-terly meeting for the leaders of the broker/dealers, where participants share ideas, problems and solutions. FSX has been re-sponsible for bringing over $900 million to its participating sponsors. Betty and Vern now reside in Lady Lake, in central Florida and enjoy their three daugh-ters and five grandchildren. Along with running the FSX business, Vernon earned the title, “The Honorable” in the state of Florida, by winning an election to become a Supervisor of the community in which they live. Gwynne continues today to be a strong ad-vocate for ethical and professional conduct – and this is a topic that certainly needs more attention in our society today. While he has not been a major contributor to the IARFC he has helped with articles, historic perspective and new member recruiting. It is extraordinary to find someone continuing active participation in financial services after a half century. Join us in honoring Vernon Gwynne, RFC at the IARFC Financial Advisors Forum in New Orleans, May 6-8, 2004. The Dunton Award Dinner will be held on Friday eve-ning, and will continue our salute to those who have shaped the financial planning profession.▄

The Register ● April 2004 ● Page 3

Investment News magazine ran an editorial on January 19th “Investors Deserve Disclo-sure in Plain English, in Plain Sight,” which stated that investors should receive more disclosure of relationships between invest-ment institutions, brokers and financial ad-visers concerning fees and cost of their in-vestments. One of the IARFC members, Carl Hegner of Miami, felt that the editorial was incomplete and he offered the following comments which were printed by Investment News on February 16, 2004. ****************************************** In the next-to-last paragraph, as an after thought, it (the editorial) mentions insurance companies and their agents in reference to their compensation for selling annuities and life insurance policies. This comparison is not valid. The editorial deals with a three party transaction – invest-ment institutions, broker and financial ad-viser – where there is a possibility of a con-flict of interest between the parties, although in most instances, they act in the best inter-est of the customer. Comparing it to a two-party transaction between the insurance party and the agent, the company cannot change the terms of its contract with the insured, based on the policy or annuity that the insured applied for; there can be no extra fees supplied. (One exception: if the in-sured is in poor health for a life insurance policy, the company can “offer” a policy with a higher premium.) The relationship between the insurance company and the agent consists of an “agent contract” or “brokerage agreement.” Since it is a “unilateral” contract offered by the insurance company the agent normally can-not change the terms of the contract; of course, the company can always make changes. However, in the securities indus-try, there is a little more flexibility in refer-ence to fees and perks between the invest-ment institution, the broker and financial adviser. One reason fees in the insurance industry are not generally disclosed is be-cause it would promote “rebating,” which is outlawed in most, if not all states. I feel that most people in the securities and insurance industries work very diligently to

meet their clients’ needs and objectives. The public is not interested in what the broker or agent makes on a sale. In my 57 years in this business, not one of my cli-ents has ever asked me, “What are you going to make on this sale?” Carl J. Hegner, CLU, ChFC, AEP, RFC Miami, FL Registered representative Jefferson Pilot Securities Corp. ********************************** Note how Carl’s professional designations add credibility to his comments. His prompt response assured that his com-ments would still be newsworthy when received. This points out the value of your writing letters to editors – of local papers and magazines as well as professional or trade publications. One RFC wrote such a letter to the editor of a local paper, disagreeing with an arti-cle that indicated maximum IRA contribu-tion was always wise. His eloquent letter was published. No one called to invest money with him, but the local Rotary Club asked him to speak. After his address on plan distributions he was asked by one attendee to handle his half million IRA account. Whenever you send a letter to the editor, be sure to affix all your designations – and include your local business entity, such as, “Regional Planning Associates.”▄

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The Register ● April 2004 ● Page 4

Activity in Hong Kong. While you are reading this I will be preparing follow-up reports on the growth of the RFC movement in Asia. On February 27 I presented, along with other RFC organizers, Terence Wan and Billy Tan, to the General Agents and Managers Association of Hong Kong. Our courses are under development and delivery there by the Poon Kam Kai Institute of Hong Kong University – a very prestigious institution. China. I’m scheduled to address RFC groups in Beijing and Tainjin– a city of about 6 million that is 75 miles from the capital city. Courses are underway at Beijing Union University and being formulated now for additional cities in China. Taiwan. In Taiwan I will be presenting new certificates to a RFC and RFA course com-pleters in the cities of Kaohsiung, Taichung and Taipei. Malaysia. I will be addressing the LUSEB Financial Planning Forum in Kuala Lumpur and meeting with the RFC organizers there, who have been doing an excellent job of ex-pansion, notably to the Philippines and Singapore. Are You Traveling? Any U.S. Registered Financial Consultants who will be visiting Hong Kong, Singapore, Manila, Kuala Lumpur, Taiwan or Beijing should contact us. We might be able to arrange for you to speak to local RFC practitioners or students. You’d find the experience very exciting - and they would really like to quiz you about your practice.

Join the IARFC at the upcoming events: April 1-3, Producers Expo, Orlando, FL Attend a session with IARFC Director Bill Nelson and meet Judith Fisette-Losz IARFC, Executive Director, at the IARFC booth # 311. May 2-4, MarketShare Financial, Sunny Isles Beach, FL. This is one of the premier financial services marketing firms and you can use their services while retaining your current broker/dealer affiliation. May 6-8, IARFC Financial Advisors Forum, New Orleans, LA. If you’ve ever wanted to have a radio show, then you should be attending our Forum in May. Fred Siegel is a very talented and outgoing financial advisor, and his two hour live broadcast will be very instructional. June 30 – July 2, Certified Estate Planners meeting, the entire focus of the event will be on estate planning. For more information, see www.NICEP.org How about a Cruise? If you are interested in a Financial Advisors Cruise send an email to us at Director@IARFC.org. Please mention your preferred month and preferred loca-tion. For example are you interested in a European river cruise, Alaska, Hawaii or the Caribbean? We need at least 50 attendees to have a successful event. The cruise confer-ence will be open to members and non-members. Yangtze River Cruise. We are organizing a unique Dragon Boat executive cruise in August - before or after the International Dragon Award ceremony, August 20 in Hong Kong. Please e-mail us if you are interested. Refine Your Marketing Plan. This is an uncomfortable topic for a few financial advi-sors – because they don’t have a marketing plan. This is pretty surprising since we are in the planning business. However, for those who do have a plan – spring is a good time to review and refine your plan. Many advisors use newsletters to increase client referrals, but you need to be sending them for a while before expecting results. So, if having more clients next winter would be welcome, then you might start newsletters now. For more information IARFC special pricing call Maria Cook at Liberty Publishing. 800 722 7270

From the President’s desk…

Financial Planning pioneer, John B. Keeble III, passed away on February 19 after a twelve year valiant combat with cancer. John’s entire career was marked by fierce individualism and his leadership roles at FSC and IFG have shaped the lives of many in our industry. Others have been touched by his magazine columns, which are being collected into a forthcoming book, Finan-cial Planning as I Conceived It. John B. Keeble, of Atlanta received the Loren Dunton award 2002 for his significant contributions to financial services. In 1959 he co-founded the Financial Service Corpo-ration (FSC), perhaps the first broker/dealer for independent financial planners. Keeble designed a comprehensive financial plan for the reps that focused on a needs-based ap-proach to financial services. Significant investments and insurance were attributed to those plans. John served on the board of the Society of Financial Counseling, predeces-sor to the IAFP. After selling FSC he put together yet another broker/dealer, Investors Financial Group. Keeble firmly advocated an organized data collection and plan development process, “Advisors desperately need a way to quickly deliver the plan and help the client move to the decision stage, by molding the right questions and carefully listening to the cli-ent’s verbal and non-verbal responses.” Just before John’s passing in 2004, he completed his new book. John’s children have successfully followed him into a career of financial services. His eldest son, John Keeble IV, RFC is a finan-cial practitioner into the Atlanta area. His daughter, Madalin Keeble, RFC is a variable insurance and estate planning specialist for Thrivent Financial Services. His youngest son, David Keeble is an investment and tax specialist in Sao Paulo, Brazil.▄

John Keeble 1929-2004

The Register ● April 2004 ● Page 5

or referencing legitimate degrees or designations in a misleading manner. If you’d like to read the en-tire 24 pages of text regarding communications with the public, which includes correspondence and ad-vertising, you may access Rule of Conduct 2210 directly from the NASD website. Selecting Your Investment Professional. “The NASD advises the public about how to select their advisor. Your awareness of this should indi-cate the information that you, as an advisor and registered rep, disclose voluntarily to prospects.” Here is the NASD’s advice to consumers:

“Before you engage an investment professional, make sure you know more about an investment pro-fessional than just their name and professional des-ignation. Here are some steps you can take to find an investment professional that can meet your fi-nancial needs:

• Think about your financial objectives and know what type of financial services you need. There is a wide variation in the range

(Continued from page 1)

of products and services that investment professionals offer. Some profes-sionals can provide financial statement preparation and analysis, investment planning, tax planning, estate planning, retirement planning, education plan-ning, and risk management services. Other professionals may only be able to recommend a limited number of investment products. Knowing what you need will not only help you find the professional that's right for you, but pre-vent you from paying for services you don't want.

• Get names of professionals from friends, neighbors, family, or business col-

leagues. If you receive a name of an investment professional from an individ-ual or group that you don't know, be certain to ask for several references.

• Talk with several professionals. Meet them face-to-face in their offices, if

possible. Ask each of them about their:

o Areas of specialization o Professional designations o Registrations or licenses o Education o Work history o Investment experience o Products and services o Disciplinary history

Understand how you will pay them for their services. Investment profession-als are typically paid in one of the following ways:

o An hourly fee o A flat fee o A commission on the investment products they sell you o A percentage of the value of assets they manage for you o A combination of fees and commissions

NASD Disclaimer. NASD does not endorse any professional designation. The list is provided to assist investors in evaluating the professional designations an investment professional may hold. NASD is not responsible for and cannot verify information from sources other than NASD, and does not warrant or guarantee the accuracy or completeness of the information. This listing is in no means inclusive of all financial professional designations and spe-cifically does not include insurance or employee benefit related designations or desig-nations related to finance degrees from accredited colleges or universities.” The RFC Designation which currently appears at NASD.com does not reflect the public complaint procedure that is now in place on the IARFC.org website. The asso-ciation has also suggested a few other minor changes. However, the Registered Finan-cial Consultant designation is fairly presented and the write-up is consistent. We are confident that the NASD will consider our suggestions in their next update. Broker/Dealer Concerns. Some of our members have asked why their broker/dealer compliance officers have questioned their use of the RFC designation. This is in re-sponse to the Rule 2210 requirements. However, this listing of primary financial services designations should make it clear that the NASD recognizes the RFC as a legitimate designation – although their website makes it quite clear that the NASD does not recommend any particular designation.▄

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The Register ● April 2004 ● Page 6

Your prospects and clients are constantly looking for assurance that you are the most appropriate person for them to be doing business with. The more scandals there are, either on a national or local ba-sis, the greater this concern. While the IARFC is proud of the RFC designation – we do not attempt to assert its superiority. We feel that the RFC is different and more extensive with regard to continuing education. But to assert that the RFC is “better” would be to denigrate other designations and this we do not do! A quick glance at the listing of the IARFC directors which appears on page two of the Register indicates that most of the di-rectors proudly possess a wide variety of professional certifications and advanced degrees. Display Credentials. Place your RFC certificate, professionally framed, on your office wall – in the room where you meet with prospects and clients. Also display other educational or professional certifi-cates. But do not display production awards. This includes MDRT and other production related awards. The MDRT is a fine or-ganization and many RFCs are members, but its name suggests that you are inter-ested in selling your clients many large policies – as opposed to having a client–need focus. If you and your associates have a lot of certificates – use the walls between the reception, visitation and conference areas. This has been done very effectively in the offices of many advisors. As result, the prospect visiting for the first time is very positively impressed. Display Brochures. Use the plastic stand to place the 8.5” x 11” RFC consumer brochure on a table in your reception area. You should always include the brochure in the folder of initial disclosures that you give to prospective clients the first time they visit your office. Send Announcement Cards. Formally announce your RFC designation. The

IARFC has very handsome formal cards available. You can also do something of this sort with other designations you receive – such as a formally structured simple an-nouncement page. Send Press Releases. Announce your cre-dentials and the acquisition of other qualifi-cations in a press release to local and re-gional media. Do not forget to send a copy of your one page press release to all your clients and professional advisors. Display RFC Jewelry. We have three very nice examples – an emblem ladies broach, (gold key inside a filigree circle), a lapel pin for both men and women, and a tie chain with dangling key for men. You could pur-chase these, but a better way is to nominate others to become RFC – and we’ll send you a gold lapel pin. When you wear professional jewelry the idea is not for your client to recognize the symbol. They may, but it isn’t likely. The goal is for them to ask, “By the way what’s the meaning of that gold key?” This gives you the opportunity to respond, “This RFC key is awarded only to Regis-tered Financial Consultants – professionals in financial services that meet seven high standards – one of which is very extensive ongoing professional education.” Stationery and Business Cards. These should make judicious use of designations. For letters it may be preferable to add desig-nations to the signature block always used with letters – since the same stationery may be used by non certified persons. This proc-ess can be swiftly automated in Microsoft Word. Personal Brochures. Your professional designations(s) should be listed and very briefly explained. Use language that is cli-ent oriented so that your prospective client may conclude that he or she is wise to be doing business, entrusting their future, with someone of your stature. Periodic Mailing. You should be using a Client Relationship Management program to schedule frequent mailings to your clients. This includes letters, articles, newsletters and brochures. At least one of the bro-chures you mail should be the small RFC tri-fold brochure. Yes, your clients may have already read the larger version. But they might just hand it to a friend or family member who needs your services.▄

Use Your Designation by Ed Morrow

IARFC 2004 Exhibit Calendar

Producers Expo April 1- 3, 2004 Caribe Royale Convention Center Orlando, FL MarketShare Financial May 2 - 4, 2004 Trump International Sonesta Beach Sunny Isles Beach, FL IARFC Financial Advisors Forum May 6 - 8, 2004 Renaissance Pere Marquette New Orleans, LA GAMA AIMConference June 6 - 9, 2004 Hong Kong MDRT Annual Meeting June 13 - 17, 2004 Anaheim Convention Center Anaheim, CA NICEP Annual Meeting June 30 - July 2, 2004 Caribe Royale Hotel Orlando, FL Money Concepts July 6 – 10, 2004 Disney’s Yacht Club Resort Walt Disney World, FL Worldwide Chinese Life Congress International Dragon Award August 20 – 22, 2004 Hong Kong

Visit the IARFC Exhibit Booth

The Register ● April 2004 ● Page 7

IARFC Certificate (16”x 20”) includes Gold Seal, Ribbon Item #1 $35

Confirmation Notice Certificate Suitable for a display stand or use in a presentation note book. (8.5”x 11”) Item #2 $5

Consumer brochure - Tri Fold Item # 4 $.40 ea.

Consumer brochure - 4 page 8.5” x 11 full color Item # 3 $ 0.50 ea.

50 100 200 500

$20 $36 $60 $120

Quantity Pricing

Consumer Brochure bi fold - 2 panel 8.5” x 3” two color Item # 5 $0.25 ea.

Quantity Pricing

Plastic Display Stands Available 8.5” x 11” for large brochures $10 ea. 3” x 8.5” for small brochures $6 ea.

Gold Key Announcement Cards Item #8 $0.60 ea. $100 per 250 boxed includes envelope

Code of Ethics Plaque 13” x 10.5” Item # 9 $35.00 IARFC Code of Ethic handsomely placed on a wooden plaque

Professional Jewelry IARFC emblem tie bar with chain Item # 11 $45.00

Professional Jewelry IARFC emblem lapel pin Item # 10 $35.00

Imprinting Extra. $0.30 per card

Professional Jewelry IARFC emblem ladies broach Item # 12 $55.00

RFC Gold Foil Labels Perfect to add a touch of class to your marketing materials, brochures, and presentations. 1” Diameter Item # 13 $25.00 * *(Per quantities of 250)

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The Register ● April 2004 ● Page 8

Renaissance Pere Marquette Renaissance Pere Marquette ♦♦ New Orleans New Orleans -- May 6May 6--88

On Saturday the opening session will be the Dunton Award recipient, Vernon D. Gwynne. Then Fred Siegel, RFC will precede his show by advising you how you might establish and maintain a radio program in your community—and how he harvests cus-tomers for his extremely successful practice. Then we will all witness the two-hour live broadcast of the Talking Money radio show on station WWL, “The Voice of the South.” Fred will interview Forum attendees live on the show.

Fred Siegel, RFC

Special Event ● Talking Money radio show live broadcast!

FFFINANCIALINANCIALINANCIAL A A ADVISORSDVISORSDVISORS F F FORUMORUMORUM 2004 2004 2004

The Register ● April 2004 ● Page 9

8:00 AM - 8:50 AM A Fee-based Approach to Financial

Planning for Business Owners Speaker, William R. Lindsey, RFC 8:50 AM - 9:40 AM Continued - A Fee-based Approach

to Financial Planning for Business Owners

9:40 AM - 10:10 AM Morning Refreshment Break

Friday, May 7, 2004

Register Now!! www.IARFC.org or call 800 532 9060

9:00 AM - 12:00 PM Registration Opens at Hotel Baronne & Common Streets 1:00 PM - 1:20 PM Announcements and Introductions Drawing for the Radio Show 1:20 PM - 2:10 PM Money and Aging Speaker, Donald Ray Haas, RFC

Thursday, May 6, 2004

FFFINANCIALINANCIALINANCIAL A A ADVISORSDVISORSDVISORS F F FORUMORUMORUM 2004 2004 2004

2:10 PM - 3:00 PM Operating A Successful Financial

Planning Business Speaker, George Flack, RFC 3:00 PM - 3:20 PM Afternoon Refreshment Break 3:20 PM - 4:10 PM Advising the Very Affluent—

Beyond Equities Speaker, Burnett Marus, RFC

4:10 PM - 5:00 PM Market Foundations to Your Cities Speaker, J.T. “Dock” Houk, RFC 5:00 PM - 7:00 PM Reception 7:00 PM Entertainment on Bourbon Street in America’s Queen City

10:10 AM - 11:00 AM Ostrich or roadrunner? Technology

that advisors should be using now. Speaker, Dave Rochlin 11:00 AM - 11:50 PM Retirement Cash Flow Management

The Most Important Part of Your Practice for the Next Ten Years

Speaker, Brian Nelson, RFC 12: 00 PM - 2:00 PM Buffet Luncheon

2:00 PM - 2:50 PM Life after Love Speaker, Stephen Bailey, RFC 2:50 PM - 3:40 PM A New Paradigm: Combining Legacy

Planning with Retirement Security Speaker, William Nelson, RFC 3: 40 PM - 4:30 PM Continued - A New Paradigm:

Combining Legacy Planning with Retirement Security

IIINNN THETHETHE HEARTHEARTHEART OFOFOF DOWNTOWNDOWNTOWNDOWNTOWN———TWOTWOTWO BLOCKSBLOCKSBLOCKS FROMFROMFROM THETHETHE F F FRENCHRENCHRENCH Q Q QUARTERUARTERUARTER

7:00 PM - 9:30 PM Loren Dunton Memorial Award Dinner

Renaissance Pere Marquette ♦ New Orleans Renaissance Pere Marquette ♦ New Orleans -- May 6 May 6--88 A Marriott Hotel

The Register ● April 2004 ● Page 10

Join us Friday evening, May 7, 2004 for the Annual Loren Dunton Award Dinner, brought to you by the IARFC. The award dinner is an opportunity for financial ad-visor professionals to network and honor Loren Dunton and congratulate the 2004 award recipient, Vernon D. Gwynne, RFC. As a renowned figure and pioneer in the industry, Dunton is widely recognized as the father of the financial planning movement in the United States, now more than a quarter-century old. He started the College for Financial Planning and the Interna-tional Association of Financial Planning. Dunton was also the first editor of Financial Planning magazine, and he established the Institute for Consumer Financial Education which has been awarded a Presiden-tial Citation for public service.

Distinguished Loren Dunton Award Recipients

Forum Participants

You will be networking with the elite of the finan-cial services profession - those who have and will shape the field of personal financial service.

8:00 AM - 8:50 AM Presentation by the recipient of the 2004 Loren Dunton Award Speaker, Vernon D. Gwynne, RFC 8:50 AM - 9:40 AM

How to Establish & Operate Your Own Radio Talk Show to Reach New Markets with Fred Siegel, RFC

9:40 AM - 10:00 AM Morning Refreshment Break 12:00 PM - 2:00 PM Live Broadcast, featuring Forum Attendees as Guests, the Talking Money Show, with Fred Siegel, RFC on WWL (the Voice of the South)

Saturday, May 8, 2004

Vernon Gwynne, 2004 Alex Armstrong, 2003 Ben Baldwin, 2000 Donald Haas, 2001 John Keeble, 2002

Dunton Award Dinner

Loren Dunton

The Register ● April 2004 ● Page 11

■ Registrant Information

■ Registration Fees

■ Special Discount “Sign-Up- A-Colleague”

■ Easy Ways for You to Register — Now!  

Name________________________________________ First Name on Badge____________________________ Title _________________________________________ Designations __________________________________ Company _____________________________________ Address ______________________________________ City ___________________ St ____ Zip ___________ Phone _______________ Fax ___________________ E-mail _______________________________________

Non Member

IARFC Member

Regular Rate $495 $445

Financial Planning Student Rate $295 $125

Discount per attendee if five from one office $ 75

Rate deducted for a colleague that registers now $ 50 Name __________________________________________

■ Method of Payment � Check (Please make payable to: IARFC)

� MasterCard � Visa � Amex � Discover Card Number ____________________________________ Exp. Date ________________________________________ Account Address (if different from above) ___________________ _________________________________________________ _________________________________________________ Signature _________________________________________ Date _____________________________________________ ■ Room Accommodation (eligible for Marriott Points)

(Hotel Codes: Financial Advisors Forum IARFC)

■ Additional Conference Information Registration Location: See Announcement Board at the Renaissance Hotel Continuing Education Credits: Each state has different insurance and securities CE regulations. This event has not been pre-registered for CE. Varying credits will be available for IARFC, CFP, PACE, and state credits, depending on sessions attended. Recommended Attire: Business casual is appropriate. For your comfort, we encour-age long sleeves or a light sweater as inside temperatures can occasionally fluctuate. No jeans, tennis shoes or T-shirts please. Cancellation: A refund (less 20% administration fee) will be made if notice of cancel-lation is received in writing three weeks before the event. We regret that no refunds can be given after this period. A substitute delegate is always welcome at no extra charge. Disclaimer: The program may change due to unforeseen circumstances, and IARFC reserves the right to alter the venue and/or speakers. IARFC accepts no responsibility for any loss or damage to property belonging to, nor for any personal injury incurred by attendees at our conferences, within the conference venue or otherwise.

 

CALL HOTEL FOR RESERVATIONS Hotel Renaissance - 504 525 1111

We have special room rates at only $129. You may extend you stay to enjoy the entire weekend in New Orleans!

E-mail: Director@IARFC.org Call: 800 532 9060 Mail: P.O. Box 42506

Middletown, OH 45042-0506

Phone: 800 532 9060 or Fax: 513 424 5752

A Marriott Hotel

Financial Advisors Forum 2004 May 6-8 ♦ New Orleans, LA ♦ Renaissance Pere Marquette

The Register ● April 2004 ● Page 12

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P.O. Box 42506 - Middletown, Ohio 45042-0506

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Members Who Recommended New Members

Abdul Wahid Bin Ahmad Shuhaime Malaysia

Jerald L. Aloof NJ Flynn L. Andrew GA

Ricardo Alberto Aue FL Gregg A. Bisson RI

Guy Terry Boesen IN Paul A. Breault NH

Richard A. Brooks VA Charles R. Caldwell GA Arturo M. Campos CA David W. Cappa AZ

Donald P. Carnaghi MI Gary W. Carter NC

Alfred L. Cavacco MA Blas Chacon CA

Stella Ka Wai Cheung Hong Kong Pascal Chevalier CA

Don H. Clark OH Robert R. Clippard FL Bobby W. Coburn FL Loran S. Coffman MI Harry J. Cohen NY

New Registered Financial Consultants & Registered Financial Associates Charles J. Czajka FL John E. Davis MO

L. Gordan Etzweiler CA Bruce R. Farman GA James R. Feek WA

Frederick H. Fischer ME Carol Ann Fleming TX William J. Fogler OH Randall W. Freitas FL

Soo Fui Chen Malaysia Sean Gabay TX

Roy Y. Gagaza CA Paul M. Goyette NH Cary M. Hanosek OH

Doni Istyanto Hari Mahdi Indonesia Mark G. Harrison GA Janet L. Heitzig MO

Robert F. Held, Jr. PA Reginald D. Hill NC Cheryl B. Hilton CA

Ronald J. Hodgkinson FL David L. Hurry MN

June Dung Huynh CA

John Barada III Mike Blackwell Scott Burghuis Jeffrey Chiew

Cheryl Constantino

Tim Crumbaker William Fogler Robert Gentry Paul Goyette

Angie Herbers John Keeble IV

Lee Kramer Aidil Akbar Madjid

Ed Morrow Bill Nelson

Mark Sanders Shashin Shah

Eddy Shum J. Drew Shumski Stephen Stewart

Jerry Tan Denyce Wallace-Russell

Scott Wasserman

Michael W. Jackson VA John B. Keeble, IV GA

William Ben Keel, Jr. TX Michael Chong Khaw Wa Perak

Malaysia Won D. Kim MA

Daniel C. Lacy TX Maggie Lau Hiu Kwan Hong Kong Joel Siu Hung Leung Hong Kong

Leung Mun Yee, Theresa Hong Kong Mark A. Lloyd GA

Philip W. Loveless NY John L. Martin NY

William Matthews TX Thomas R. Mazza MI

John H. Murphy, III OH Serene Ng Singapore Raymond R. Noel NH

Rina Nuryanti Indonesia Barbara J. O'Leary VA Haydn Scott Parry OR Paul L. Penland VA

Indrawan Rahardja Indonesia

Benny Raharjo Indonesia Edward Tilden Reed NC

Joshua Reich NY Matthew J. Rettick TN Randall E. Riggins NC Joel E.L. Roberts VA Teddy L. Roberts OR

Gary D. Ryan FL Richard G. Saine AZ

Donald L. Schwartz MN Elizabeth R. Schwartz NV Alex Shum Hong Kong Susan A. Spancers CO Brian J. Tarquinio PA

Robert G. Thornton FL Lenord Anthony Travis CA

Ronald E. Tunison CA Isaac Z. Tyndall NC

Ed Unger GA Chew Wai Ling Singapore

Ryan K. Walker KS Brian W. White CA

Chin Yew Sin Selangor Malaysia Martin Yura GA