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| Current Officers and Directors |
 Edwin P. Morrow
CLU, ChFC, CFP®, CEP, RFC®
Chairman & CEO of IARFC
Financial Planning Building
P.O. Box 42430
Middletown, OH 45042-0430
Phone 513 424 1656
Fax 513 424 5752
edm@financialsoftware.com |
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.
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 ws the author of "How to Computerize Your Financial Planning Pracitce" 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, 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 500 professional articles and three books: Computerizing your Financial Planning Practice, The Complete Millennium Preparation Guide and Personal Coaching for Financial Advisors. |
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 H. Stephen Bailey
CEBA, LUTCF, CEP, RFC®
President of IARFC
HB Financial Resources
5509 Monroe Road
Charlotte, NC 28212
Phone 704 563 6844
Fax 704 563 1571
steve@hbfinancial.com |
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. |
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 Lester Anderson
RFC®
V.P. of IARFC
Sugarloaf Wealth Management
ING Advisory Service
4194 Highglen Trace
Dacula, GA 30019
Phone 678 714 1071
ande1024@bellsouth.net |
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. |
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 Antoinett Francis Bolden
CA, MBA, RFC®
Emerald financial Group
45 Reid Street, Ground Floor
Hamilton HM 12, Bermuda
Phone 441 292 3235
Fax 441 292 8087
abolden@emerald.bm |
Bermuda born, Mrs. Bolden is the co-founder and Managing Director of the Emerald Financial Group. She earned an Honors Bachelors of Arts in Economics in 1986 and her Masters of Business Administration in 1988 from York University in Toronto, Canada. Mrs. Bolden articled with Arthur Andersen in Toronto, Canada from 1988 to 1990. While there she successfully completed her exams and was awarded her Chartered Accountant designation in November 1990.
On returning to Bermuda in December of 1990 with her husband, Mrs. Bolden joined Oil Insurance Limited (OIL), a reinsurance company specializing in insuring the risks of most of the worlds largest oil companies; and from 1992 to 1995 she was manager of the accounts division responsible for the accurate reporting of the Oils insurance companies and investment subsidiaries with assets in excess of $2 billion. In addition she was responsible for the tax reporting on the part of the US shareholders to ensure that their holdings were properly structured to not attract U.S. taxes.
Mrs. Bolden co-founded Emerald Financial Group in 1992 with her husband and joined full time in 1995 as Managing Director, and CFO. The Emerald Financial Group is a full array of Financial Service Companies that offer a wide array of services: Emerald Financial Limited specializes in the provision of investment solutions to high net worth clients, equity trading, institutional trading, and pension fund management; Emerald Investment Management Limited provides Investment Management services to their own line of funds which include the following - The Strategic Growth Themes fund in 1998, EFG High Income Fund, and the ECI Capital Explorer Fund, numerous Real-Estate Investment Partnerships.
In September 1999 they launched Directrade is an offshore online investment company specializing in the provision of online trading of US equities and mutual funds and other related investment services. Directrade is Bermuda's first full service online broker and one of the first in the region. Her responsibilities include the financial management and systems development of the company. In addition her focus, along with her husband, is on the strategic development of the company in terms of growth and strategic alliances. Some of their recent initiatives has culminated in their starting EFG Capital Solutions Limited which specializes in receivable factoring. Mrs. Bolden is the co-host with her husband of Bermudas first and only financial talk show, Money Talks, for now in its 10th season seasons.
She also serves as Director of the International Association of Registered Financial Consultants (IARFC) and has served in the following capacities: board member of the Bermuda Health Council, past Chairman of the Hospital Insurance Commission, and past board member of the Bermuda Chamber of Commerce and International Business Forum (a select group of Presidents, CEOs, and CFOs, of Bermudas financial institutions including the banks, insurance companies, and investment companies. The mandate of this group is to design the blueprint for Bermudas future by analyzing the global economy and assessing the opportunities that are beneficial to Bermuda and ensuring that the island has the education, training, and legislation to avail themselves of these opportunities). She has held numerous community positions more notably former Director of the Public Funds of Bermuda, the Careers Development Centre, and she was one of the founding Board of Governors of Bermudas Senior Secondary School, Cedarbridge Academy and past Director of the National Sports Centre and Bermuda Small Business Corporation. Both Mrs. Bolden and her husband are active members of their church.
Mrs. Bolden is a devoted and active mother of two children, Cameron age 15 and Kyla age 11. Her interest are broad and varied and include, travel, tennis, track & field, dance, karate of which she is a blue belt, weight training, reading, and Bible study.
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 Wilma G. Anderson
RFC®
Senior Care Associates, Inc.
P.O. Box 631940
Littleton, CO 80163
Phone 720 344 0312
Fax 720 344 3663
wilma@theltccoach.com |
Throughout the insurance and financial industries, Wilma Anderson is known as The LTC Coach for insurance companies and their Agents.
In her work as The LTC Coach, Wilma draws on over 35 years of sales experience. Her undergraduate and graduate work were completed at Northwestern. She is also a Registered Investment Advisor with Woodbury Financial Services Inc., Member NASD, SIPC, St. Paul, MN.
Wilma has authored The System To Sell 400 LTC Policies A Year! and Annuity Sales Gold! which give Agents the complete systems they need to sell more LTC and annuities in their practice or Agency. She has also produced a series of 4 DVDs that offer the complete step-by-step methods she uses to sell LTC & annuities to clients and prospects. A combination of the sales systems and videos will give any Agent or financial professional the opportunity to skyrocket their LTC and annuity sales and substantially improve their closing ratios too.
She has designed Seminars, workshops, and training programs to target the 50 or better prospect. These programs are designed to meet the specials needs of insurance companies who invest in training curriculums for their Agents. Wilma has found a method of selling more than 1 product to the established investor and can easily be duplicated in your own practice or Agency.
On a more personal note..
Wilma is a gourmet cook who always loves a new recipe and often surprises her friends with new tastes and smells. She loves poking through antique stores in little towns and looks for one-of-a-kind pins, especially cameos from the early 1900s. Hiking in the mountains is a favorite pastime in the Summer & Fall and in the Winter youll always find her ready for snowshoeing! When Spring arrives, Wilma heads for the Caribbean or Mexico for scuba divingand finds wonderful out-of-the-way restaurants with new recipes to try! At home there are 2 comical Irish Water Spaniels who greet visitors happily with a tennis ball & theyre ready to play! She is a Volunteer at the local hospital and actively supports Guide Dogs for the Blind, World Vision, and the United Way.
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 Vernon D. Gwynne
CFP®, RFC®
Financial Services Exchange
1734 Palo Alto Avenue
Lady Lake, FL 32159-9198
Phone 352 750 4249
fsxfirst@aol.com |
Vernon was one of the pioneers in the financial planning profession, having started with IDS in 1950. His career was interrupted by the Korean War, and he returned to a Vice Presidency with Western Union, as president of three subsidiaries. In 1973 he joined Financial Service Corporation in Atlanta, as Vice President for Training and later as Senior Vice President of Marketing.
In 1977 he established the investment firm of Hamlette, Gwynne, Wells, Parsons and Associates. However, this was interrupted when he was asked in 1978 to take over the reins of the struggling International Association of Financial Planning. He turned the organization around, and for five years the association had unprecedented growth.
Following this he co-founded a broker/dealer, Source International, that was ultimately sold to a national accounting firm. He then established Financial Services Exchange - a unique organization that helps bring together entrepreneurs and firms seeking capital,and brokerage firms. During its 25 years, FSX has been responsible for the placement of several billion of investments.
In 2004 he was awarded the prestigious Loren Dunton Award for Distinguished Contributions to the Financial Services Profession. |
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 Derek Klock
MBA, RFC®
Finance & Career Education Team (FACET)
414 Seminole Drive
Blacksburg, VA 24060
Phone 540 552 3974
ddklock@vt.edu |
Derek D. Klock, RFC has worked in bank management, brokerage, and private consulting. An R.B. Pamplin Fellow and a member of Beta Gamma Sigma, he received his MBA from Pamlin College of Business at Virginia Tech June, 2005.
During his tenure with financial institutions, working as a NASD General Securities Reprsentative and Virginia life and health insurance agent, he was frequently called upon as a corporate trainer and facilitator. Since leaving banking, Mr. Klock has worked as an independent financial advisor and consultant. He has developed print and Internet financial education tools, most recently co-developing a personal financial planning educational software package for a collegiate-level textbook.
His client experience and interest in investment management enable him to bring a unique perspective to client service, financial planning education and practice management. |
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 Edward J. Ledford
CLU, RFC®
Foresters Financial Partners
1419 Sedona Drive
Carmel, IN 46032
Legacy Solutions, LLC
1419 Sedona Drive
Carmel, IN 46032
Phone 317 569 9331
Fax 317 245 2239
Phone 317 573 2250
Fax 317 573 2254
eledford@forestersfp.com |
Ed Ledford is the Vice President of Business Development of Foresters Financial Partners. He brings 30 years experience in sales and agency building for insurance and investment oriented firms, Eds specialty is assisting producers and marketing organizations in effectively growing their business.
Foresters Financial Partners is a national organization that supports independent financial advisors in the growth and development of their business by providing expert solutions to the planning needs of their clients.
Prior to joining Foresters Financial Partners, Ed was the President of MarketShare Financial, a national producer group. His prior experiences include a successful career in senior management positions with several major insurance companies directing sales, marketing, business development, recruiting and strategic planning. Ed is a frequent presenter to financial advisors on How to Build a Great Business and has been a featured speaker at industry and association meetings.
Ed is the Founder of Legacy Solutions, LLC and creator of the Legacy Passport. This turnkey online system is designed to help people preserve their values, beliefs and life experiences for future generations of people important to them. It is available at www.legacypassport.com.
Ed is a Director of the International Association of Registered Financial Consultants and a member of the LOA Advisory Board. Ed previously served as Vice Chairman for the Indiana Financial Services Foundation for Education and has sat on numerous insurance company and broker dealer field advisory boards. He is a member of the Society of Financial Services Professionals, the International Association of Registered Financial Consultants and NAIFA. A Series 7 and 63 registered representative, and is life, accident and health insurance licensed. Ed resides in Carmel, Indiana with his wife Ann and their three children. He enjoys coaching, golf, travel and reading.
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 Ruth H. Lytton
MS, Ph.D., RFC®
V.P. of IARFC
Virginia Tech
240-C Wallace Hall
Blacksburg, VA 24061-0410
Phone 540 231 6678
Fax 540 231 3250
rlytton@vt.edu |
Ruth has been the Director of the Registered Family Financial Management Program at Virginia Tech for the past seven years. This is a CFP Board approved curriculum and graduates students prepared for careers in personal financial planning.
Prior to this, she has taught at University of Rhode Island and University of Tennessee - on topics of Personal Finance, Home and Household Management and various courses on personal debt management.
Ruth is a co-author of the Lecturers Guide and the Student Guide for the popular Personal Finance: Turning Money Into Wealth by A. J. Keown. A prodigious academic researcher, she is the author and co-author of a great many academic and research papers of the field of personal finance and resource management.
She assists students in obtaining internships and post graduate employment. Many of her students have been successful competitors at the American Express Invitational Financial Planning Competition. Designations: RFC. |
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 Jim McCarty
CLU, RHU, LUTCF, RFC®
Secretary of IARFC
American Express Financial Services
2545 South Atlantic Ave. Suite 2003
Daytona Beach, FL 32118
Phone 386 304 9684
Fax 386 304 9689
jim@showbiziselling.com |
Jim McCarty is a nationally recognized sales aficionado and master storyteller. He makes it possible for insurance agents, financial advisors and other sales professionals to prosper and gain unlimited success by living on "fixed" incomes.
Jim is the author of several highly entertaining, results oriented books on strategic selling techniques, including his most recent highly acclaimed sales manuscript, Above the Line. His earlier volume, Sizzling Sales, that dealt with techniques for the placement of Disability Income Protection, was very well received.
Jim frequently appears as a main platform speaker and has been a three time presenter at Million Dollar Round Table annual meetings. He shares his expertise through dynamic speaking engagements, hard-hitting audiotapes and informative, nationally published sales achievements.
He has served as president of many professional associations, including the Minnesota State Association of Health Underwriters and the Houston Association of Life Underwriters.
As a national vice president for American Express Financial Services, Jim trains financial advisors across the country in the advanced uses of insurance in the financial planning process. |
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 William L. Moore
Pharm D, CLU, ChFC, FIC, RFC®
Bill Moore
Kinder Brothers International
17110 Dallas Parkway, Suite 220
Dallas, TX 75248 O: 800 372 7110
Phone 214 458 4154
Fax 972 250 3681
wmoore@kbigroup.com |
Bill Moore, KBI Senior Consultant, has 25 years experience in the Financial Services Industry and an immense knowledge of Sales & Marketing, Management Development, and Agency Building. Bill began his insurance career in 1977 as an agent with Mutual of New York. Moving into management, he integrated the Kinders systems and concepts as an Agency Builder for MONY. In 1982, he took this education and experience to the home office when he became Field Director of Development for both the sales force and the sales management at MONY.
Based on his practice and understanding of the industry, Bill is a natural at providing companies the assistance needed to build strong management talent. His work includes all segments of the Financial Services business: Producers, Agency Heads and Home Office Executives. Bills principal focus as a KBI consultant is developing sound and fundamental management. His consulting experience includes companies in the United States, along with extensive work in the Pacific Rim.
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 Roslyn H. Overton
Ms, Ph.D., CFP®, RFC®
Mid-Atlantic Securities
254-18 Northern Blvd., Suite 5
Little Neck, NY 11362
Phone 718 631 4000
Fax: 718 569 0687
roverton@nyfinancial.com |
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. |
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 Ruben Ruiz
CLU, ChFC, CSA, MSFS, RFC®
Treasurer of IARFC
Money Concepts
311 Cheatham Street
P. O. Box 1186
San Marcos, TX 78666
Phone 512 396 2437
Fax 208 279 1073
rruiz@moneyconcepts.com |
Ruben is a regional director for Money Concepts, International, and President & CEO of Money Concepts Planning Centres in San Marcos and San Antonio. He has been expremely successful in assisting his representatives to serve an increasing clientele through effective presentation of seminars.
He is the author of The One-Hour Hispanic Millionaire, a book that shows all Hispanic-Americans how to have the freedom and the right to become a millionaire - and of course how to achieve it. His book has a companion website www.OneHourhispanicMillionaire.com that receives a great deal of attention.
A dedicated financial professional since 1974, he has rigorously pursued his education after graduating from Southwest Texas University, acquiring the Certified Senior Advisor designation, the CLU and ChFC designations from the American College, and most recently his Masters in Financial Services. |
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