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About IARFC >
Officers and Directors
Current Officers and Directors
Edwin  P.  Morrow
CLU, ChFC, RFC®
Chairman & CEO of IARFC
Financial Planning Building
PO Box 506
Middletown, OH  45042-0430
Phone: 513 424 6395
Fax: 513 424 5752
Ed Morrow entered financial services in 1963 and founded Financial Planning Consultants, based in Middletown, Ohio in 1969 to provide comprehensive planning services to business owners and executives. He has been an active participant in nearly all of the professional organization is the financial services industry.
His firm started producing comprehensive plans in 1968 and by 1970 they were accepting as clients only individuals and business owners on a "fee plus commission" basis. He was involved in the initial formation of the financial profession with Loren Dunton. Ed founded Confidential Planning Services to bind over 60 firms who wished to offer planning to corporate executives.
He started using computers in his practice in 1970, and lectured across the U.S. on the use of computers in financial services during the seventies and eighties. He was the author of "How to Computerize Your Financial Planning Practice" published by the College for Financial Planning in 1990. Author of seven software programs, he is a consultant to financial advisors, insurance companies and broker/dealers in the areas of practice management and computerization. He developed the Practice Builder Financial a client relationship management program used by 3,000 planning firms, and Client Builder Financial, a presentation system for financial advisors.
He has lectured on financial planning, practice management and marketing in Britain, Canada, Australia, Malaysia, Hong Kong, China, India, Greece, Trinidad, Taiwan, Thailand, Indonesia and Philippines, and has been responsible for getting the many financial planning courses established in Asian countries.
Ed is a frequent speaker and writer on practice management and technology for such organizations as the FPA, MDRT, NAIFA, SFSP, and IARFC. He has published over 1000 professional articles, 20 practice management manuals and three books: Computerizing your Financial Planning Practice, The Complete Millennium Preparation Guide and Personal Coaching for Financial Advisors.
H.  Stephen  Bailey
CEBA, LUTCF, CEP, RFC®
HB Financial Resources, LTD
125 Floyd Smith Drive, Suite 100
Charlotte, NC  28262
Phone: 704 563 6844
Fax: 704 563 1571
As founder and President of HB Financial Resources, Ltd., Steve has more than 20 years experience in the financial services industry. He has been active in several professional associations, and has also earned the LUTCF and CEBA designations. As a member of the IARFC board, he has taken on the responsibility of the Membership Development and holds the office of President.
His professional practice includes hosting a radio show, as well as publishing many articles in local publications. He also served as an LUTC instructor and is assisting IARFC in developing its new courses.
Steve is the past president of the Charlotte Association of Insurance and Financial Advisors, which under his leadership achieved the largest local membership increase in the nation. Later as Vice President of the North Carolina Association of Insurance and Financial Advisors, Steve won the NAIFA award for the largest percentage of membership increase in the U.S.
Steve has been in the process of transitioning the direction of HB Financial to his son, Jarod and daughter, Stephanie, both of whom are IARFC members.
Lester  W.  Anderson
Cetera Financial Group
4194 Highglen Trace
Dacula, GA  30019
Phone: 770 831 1286
Fax: 770 495 9688
Les draws from a successful career spanning over 35 years of sales, marketing and investment experience.
Author of the book "You Are The Product - Powerful Self-Marketing For Practicing Professionals" and his seminars titled the same, have been attended by over 50,000 industry professionals worldwide.
Undergraduate work at the University of Louisville and East Carolina University in psychology and his MBA from Wake Forest University gives him a unique perspective into the behavioral patterns of both sales professionals and investors.
As a graduate of the Securities Industry Institute at the Wharton School, University of Pennsylvania, Les has returned often to the institute as an instructor. He is a regular speaker at industry association meetings and events, and has contributed articles for financial and trade publications in the U.S. and abroad, including Registered Representative, Financial Planning and Financial Alert.
Hank  S.  Brock
CPA, MBA, CLU, RFC®
Brock & Associates LLC
640 E 700 S Ste 302
St. George, UT  84770
Phone: 435 6739599
Fax: 435 673 8991
Hank Brock, CPA, MBA, CLU, RFC® is the President of Brock and Associates, a fee-based financial counseling, asset protection and wealth preservation firm. Money Magazine (Fall, 1987) named Hank as one of the America’s top financial planners, as selected by his peers (his competitors).
Hank’s book, Your Complete Guide to Money Happiness, a 554-page hardback, includes testimonials from John Templeton, Bill Marriott, and 11 other Chief Executive Officers of Fortune 500 companies, plus U.S. Senators, and other investment experts. Amazon.com has given the book its highest five-star rating. Hank has been a guest on CBS, NBC, ABC, CNN, Fox (The Bill O’Reilly Factor), and Bloomberg, as well as hundreds of other radio and TV programs.
Hank is also chairman of MBIG - Mutual Benefit International Group, an organization planning to expand through additional offices, affiliations and the services of diversified support companies.
His recent book, Dominoes of Destruction has motivated hundreds of families to become more aware of the looming financial pitfalls - and make prudent plans to protect the financial interest of their families and businesses.
Isabel  J.  Cooper
Edelman Financial Services
20098 Ashbrook Place
Ashburn, VA  20147
Phone: 703 227 0563
Fax: 703 818 1910
Isabel J. Cooper is a Director of Financial Planning with Edelman Financial Services LLC. She advises clients in all areas of personal finance, including retirement planning, investments, college planning, insurance and estate planning. She is an Investment Advisor Representative with Edelman Financial Services LLC., and also a Registered Representative with Sanders Morris Harris Inc. where she holds her NASD securities licenses. Isabel has more than 12 years of experience in the financial services industry.
Prior to joining Edelman Financial, Isabel was an Investment Advisor Representative with Eagle Strategies at New York Life where she was a member of the Executive Council and Million Dollar Round Table. Prior to joining New York Life, she was a Financial Advisor, Certified Financial Manager, with Merrill Lynch providing financial advice to mid-high net worth clients. Isabel also worked for JP Morgan Chase in both their Investment Banking and Private Client Groups where she was an integral part of a team that provided corporate advisory and financing solutions for Fortune 500 companies and for the NBA and NFL team owners and affiliates.
Isabel received her BS in Commerce from the University of Virginia McIntire School of Commerce in 1987 and her MBA from the University of Virginia Darden School of Business in 1994. Isabel is state insurance licensed in Virginia and also has the Certificate in Financial Planning from Virginia Commonwealth University School of Business.
She is an active member in her local church and several professional and social organizations.
Lloyd  D.  Lowe
V. P. President of IARFC
LD Lowe Sr., Financial Advisory
4809 Cole Ave Ste 330
Dallas, TX  75205
Phone: 972 335 2523
Fax: 972 335 6335
Lloyd Lowe Sr. founded LD Lowe Wealth Advisory more than 20 years ago in Dallas and since then has helped thousands of individuals meet their financial goals for retirement. Lloyd has a strong foundation in business that provides him with a practical understanding of the balance that must be maintained to achieve investment results and protect long-term financial wealth. His commitment and integrity have earned his firm the recognition of many publications, including Forbes, Texas Monthly and Investment News, to name a few.
Lloyd holds a B.A. in Business Management from LeTourneau University and an M.B.A. in Financial Planning from the University of Dallas. He is a Registered Financial Consultant and serves on the board of directors for IARFC. He is also a member of the National Association of Financial and Insurance Advisors Dallas, Texas Presidents Council and the Million Dollar Round Table, Top of the Table and Court of the Table financial planning organizations.
BA Hons Mgt, MABE, RFC®
GIAJI Company Ltd.
#6 Stathayes Ave
Port of Spain,
Phone: 868 384 9825
Inshan Meahjohn, BA, MABE, RFC, is a qualified, experienced, performance driven executive with many years of success in executive management and finance. He is a true “versatilist”.
Over the years he has consulted with many financial institutions throughout the Caribbean and internationally in the areas of banking, finance, business development, leadership and training.
Inshan was one of the youngest insurance agency managers in the Caribbean at Life of Barbados, and in his later years became the founding president of the IARFC (International Association of Registered Financial Consultants) Caribbean Chapter. He is now also a serving board member of the worldwide governing body, which boasts of over eight thousand members. He wrote articles that have been published internationally.
He assisted in creating successful business ventures in the automotive industry in the Caribbean with some of the largest automotive companies in the world.
Inshan was also appointed as the Chairman of the Green Fund Advisory Committee. The fund currently stands in excess of $2.4B and is the National Environmental Fund of the Republic of Trinidad and Tobago.
He also worked extensively in the non-profit sector through the years with many different organizations, such as the Mercy Foundation, The Prevention before Cure for Chronic Non Communicable Diseases and Youth Business of Trinidad and Tobago.
Inshan is family oriented, having been married for over twelve years with great kids.
3195 Dayton Xenia Road, Suite 900-345
Beavercreek, OH  45434
Phone: 937 320 1193
Fax: 937 426 4220
Bill Nelson, Chief Executive Officer of Nelson Financial Group, Inc., in Dayton, Ohio, is considered one of the foremost seminar-marketing experts in the nation. Having conducted Successful Money Management seminars as well as Retirement Symposium at area colleges for over ten years.
Bill has been in the financial services industry for over 37 years and specializes in working with retirees in retirement distribution planning. He is considered to be in the top echelon of all financial services professionals nationwide.
Both Bill and his wife, Phyllis Nelson hold the RFC designation and have been responsible for training over 500 graduates of the extensive multi-session Learning Institute for Financial Executives (LIFE School). The LIFE school trains financial advisors how to re-orient their clients and prospects to deliver “Planning from the Net Perspective”.
While in personal production, Bill set records at several insurance companies, including the achievement of $1 billion of insurance on a 15-month period!
Bill’s latest endeavor has been the Retirement Unlimited Seminar System, featuring his copy righted material, produced by Emerald Publishing.
Rosilyn  H.  Overton
Ms, Ph.D., CFP®, RFC®
Mid-Atlantic Securities, Inc.
254-18 Northern Blvd., Ste. 5
Little Neck, NY  11362
Phone: 718 631 4000
Fax: 718 569 0687
Rosilyn H. Overton, is Assistant Professor of Business Administration and the Graduate Coordinator for Finance at New Jersey City University. She designed the curriculum and wrote most of the courses for the Master of Science in Finance at NJCU, including its registered CFP Certification Education program. Her paper, Designing a Graduate Curriculum: Use of Credentials to Enhance Student Portfolios, was chosen Best Paper at the 2004 Conference on Teaching and Learning. She is also a principal (partner) in Mid-Atlantic Securities, Inc. and owner of its New York office. She is an expert in investments and retirement planning, particularly pension plans for closely held businesses. She specializes in financial consulting and investment advisory services to business owners, pension plans, and trust funds. Ms. Overton is Past President of the New York Chapter of the International Association for Financial Planning, the largest and oldest organization of financial planning professionals, and has served as the Chairman of its Wall Street Division. She is Past Chairperson of the Financial Planning Association of New York.
She founded Brown & Overton, registered investment advisors, and its predecessor company, R. H. Overton Company, and has more than 30 years experience in the financial services business. In her capacity as a partner in Mid-Atlantic, she spearheaded the formation of its fee-based registered investment advisor division. Before Brown & Overton, Ms. Overton was Vice President, National Marketing Director - Investment Products for the Manhattan Life Insurance Company, and a Vice President of E. F. Hutton & Co. She was an Account Executive for Merrill Lynch, and an Economist at AT&T and Citibank. Her book for stockbrokers, Solving Client Problems, was published by the Financial Services Institute, Cincinnati, Ohio.
She was named Business Woman of the Year in New York City, was an Outstanding Young Woman of America, and is listed in Who's Who in Finance and Industry and Who's Who in America. She was named Outstanding Businesswoman of Queens, NY in 1998. An active author and lecturer, she has written numerous newspaper and magazine articles on business, insurance and financial subjects, and has made many appearances as a financial authority on CNBC, CNNfn, the Financial News Network, the CBS Morning News, the Monitor Channel, and various other television and radio shows.
Ms. Overton earned a M.S. in Economics from Wright State University in Dayton, Ohio, where she also earned a B.S. in Mathematics and Computer Science. She completed her Ph. D. program in Business at Capella University. She earned her Certified Financial Planner education component and her Chartered Retirement Plans Specialist designation through the College for Financial Planning in Denver, Colorado. She taught Investments, Estate Planning, Risk Management and Pension and Retirement Planning in the Certified Financial Planner program of the Pace University Lubin Graduate School of Business for more than 17 years.
Ms. Overton is a member of the Queens Chamber of Commerce and is a Past President of the Flushing Rotary Club. She is Executive Vice President of the Board of Trustees of the Flushing Council on Culture and the Arts and a Past President of the Zonta Club of New York, has served on the Board of Directors of the New York State Federation of Business and Professional Women, and is a Past President of the Gotham Business and Professional Women. She is married and has two children. A native of Texas, Ms. Overton resides in Flushing, NY.
CPA, CFP®, MBA, RFC®
JR Financial Group, Inc.
10190 E Jenan Dr
Scottsdale, AZ  85260
Phone: 720 529 1888
Fax: 720 529 9888
Jeffrey H. Rattiner, CPA, CFP®, MBA, RFC® has been a fixture in the personal financial planning profession for over 25 years. He has done it all. As a leading educator, author, practitioner, and industry organization executive, he has experienced financial planning from a perspective most of us have never seen up close. Having worked at three of the major membership and licensing organizations for our profession, running a small tax and financial planning practice, Jeff keeps himself very busy. He has written many books, edited industry trade journals and newsletters, been featured as a columnist in various trade publications, and has been a featured speaker on a host of very important topics in our profession for many years.
Jon  M.  Rogers
Ph.D., CLU, ChFC, RFC
Rogers Financial Group, L.L.C.
P.O. Box 10767
Greenville, SC  29603
Phone: 864 250 1376
Fax: 864 250 1377
Jon M. Rogers, PhD, ChFC, CLU, RFC is a family man married to Jeanette O. Rogers, the father of three daughters, and the grandfather of 10 grandchildren. Jon brings over forty years of financial investment experience with a Ph.D. in Financial Management.
With quantifications in asset management, Jon specializes in the development of financial plans with major emphasis on wealth accumulation, retirement planning, investment planning and estate planning.
Jon is also an Adjunct Professor at Webster University and North Greenville University teaching Finance, Marketing, and Business. Along with his knowledge in the financial arena, Jon brings a lifetime of practical experience to the planning table.
* Securities offered through Royal Alliance Associates, Inc., member FINRA/SIPC. Investment advisory services are offered through Rogers Financial Advisory Group, LLC, a registered investment advisor not affiliated with Royal Alliance Associates, Inc. Insurance Services offered through Jon M. Rogers are not affiliated with Royal Alliance Associates, Inc. Tax Preparation Services offered through David S. King are not affiliated with Royal Alliance Associates, Inc.
Nicholas  A.  Royer
Secretary of IARFC
Group 10 Financial, LLC
4050 Executive Park Dr.
Cincinnati, OH  45241
Phone: 513 769 5500
Fax: 863 422 9378
Nick Royer is one of the principals of Group 10 Financial, LLC established in 1965 with offices in Orlando, Florida, Cincinnati, Ohio, and Peoria, Illinois. He is a keynote speaker at many professional conferences, educating professionals, financial advisors, business owners and retirees on strategies to take their finances and success to the next level.
In 2012 Nick presented at the IARFC Caribbean CE @ SEA cruise conference. He has authored financial articles and has received awards from a variety of companies including Insurance Pro Shops annual Prudent Man Award for being recognized by his peers for the practice of Prudent, Qualified, and Responsible Client Service.
Nick cohosts the Financial Safari Radio Show and he makes appearances on NBC and ABC as a financial TV analyst and trusted advisor. Nick is married to his wife of nearly 10 years Kimberly and they have two great children.
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