The International Forum
2009 Annual Meeting
January 24-28, 2009
Hyatt Regency Century Plaza
Los Angeles, California

	Dan Allison, The Money Code founder, dedicated his early career to the mental health industry concentrating on behavioral psychology. Upon completion of master’s level education in the field, he sold a successful chain of behavioral health clinics and moved into the financial services industry. After watching several companies struggle, he used his knowledge of human behavior and business to create a successful system involving the integration of focus groups into his business models. Allison began educating financial services industry businesses on the benefits of incorporating focus groups into a successful, relationship-driven business model. From large corporations to individual practices, he brings a common sense approach to building a better business. Allison is a published author in both the mental health and financial services fields.
	Mario Armstrong is a technology advocate and co-owner of Mario Armstrong, Media, LLC. He delivers national television segments for Comcast's "Your Morning" and "Money Matters" and on WBAL-TV, a top ranked NBC affiliate. Armstrong is a technology correspondent for National Public Radio heard on NPR's “Morning Edition” and NPR's “News and Notes” programs. He hosts a national radio show for XM and two regional technology talk shows: "The Digital Café” and "The Digital Spin." He hosted and co-produced the business magazine TV show entitled "Business Pulse." Some of his radio and television guests have included: Spike Lee, Ted Waitt, Tavis Smiley, Stedman Graham, Russell Simmons, Sid Meier, Michael Dell and Dr. Cornel West. Armstrong has been seen on CNN, CNBC, TV-One, PBS, AOL.com and C-Span.
	Michael F. Amoia, JD, CFP®, CLU, ChFC vice president, Advanced Markets for The Potomac Group and Crump Life Insurance Services, Inc., is well-versed in financial planning and life insurance and has authored numerous articles, including “The Interplay of 409A and Split Dollar,” “Irrevocable Life Insurance Trusts in Times of Tax and Legal Uncertainty,” The Goodman Triangle,” and “FLPs Flipped Upside Down.” He received his bachelor’s degree in economics from George Mason University and graduated cum laude from the University of Baltimore School of Law. He is attending Georgetown University Law Center to earn a master of law degree in taxation.
	Bradley A. Barros, director of Bancroft Life and Casualty, Ltd. and president of Captive Educational Resources, Inc. is an industry leader in providing association-sponsored coverage for business interruption risks. Captive Educational Resources is a national training organization providing continuing education to attorneys, accountants and wealth advisors on captive insurance. A seasoned presenter, Barros has hosted conferences and spoken for broker-dealers, wealth planning organizations, law firms, accounting firms and business and estate planning organizations worldwide.
	William R. Brereton, JD, CLU, is president of The Brereton Group. Brereton holds a bachelor’s degree from Michigan State University and earned his Juris Doctorate degree, cum laude, from Chase College of Law in Cincinnati. He frequently conducts seminars with other attorneys on client-oriented solutions to wealth preservation. Brereton also was the consulting editor for “The Irrevocable Life Insurance Trust - Forms and Drafting Notes,” which is part of the American Bar Association's Insurance Counselor Series. In addition, he was the contributing author to “Generations - Planning Your Legacy,” a 1998 guide to estate planning. Brereton is a member of the Ohio Bar Association, the Florida Bar Association and the American Bar Association. His firm specializes in financial modeling, which is critical to wealth transfer planning for the larger estate.
	J. David Briggs is a 31-year veteran in the financial services industry, who formed the Colorado Financial Group, which is currently a partnership firm with M Financial. Briggs’ honors include life and qualifying status 32 times in the Million Dollar Round Table, Court of the Round Table qualifications since 1989 and seven Top of the Table qualifications. Briggs serves on The International Forum Board of Directors. He holds a master’s program certificate from the Strategic Coach® Program of entrepreneurial training and is a frequent guest speaker for industry organizations on the subject of business and estate planning.
	Donald W. (Butch) Britton is president of ING U.S. Life Business Group. His experience includes more than 18 years with First Colony Life, culminating as president of that company, and commensurately senior positions with GE Financial Assurance. Most recently, Britton was president of the Life Division at American General Financial Group, where he helped create and manage an innovative distribution and product management model that doubled sales during a three-year period. He is a member of the Fellow Society of Actuaries and the American Academy of Actuaries, and he is a recipient of the Douglas Mooers Award presented annually by the National Association of Independent Life Brokerage Agencies. Britton is a past chairman and board of director member of the LIMRA Brokerage Committee. He serves as a director on the LIMRA and LOMA Global Board. Britton earned undergraduate and graduate degrees in mathematics from East Carolina University.
	Jordan J. Carreira, vice president, chief underwriter, Lincoln Financial Group, is responsible for developing the underwriting philosophy and policy for the company, underwriting large face amount cases, reinsurance negotiations, training and auditing. Prior to joining Lincoln, he was the managing director and assistant vice president for Phoenix Reinsurance and ERC Reinsurance companies. He entered the industry as an underwriter at Connecticut General, gained sales experience as an independent insurance agent for a local full service brokerage agency and has served as chief life underwriter and manager of the Strategic Sales Unit at Connecticut Mutual. He is a fellow of the Academy of Life Underwriting, past president of the Hartford/Springfield Life Underwriting Association and member of the Impaired Risk Underwriting Association.
	Kevin Casey spent 32 years of his career in the health insurance and health care services fields working for United Health Group and its multiple legacy companies. At UHG, he served in many executive roles, including chief operating officer assignments for four of the company’s major business segments. Upon leaving United in 2005, Casey co-founded a new breed of consumer-driven health care services company, RedBrick Health, where he served as president and COO, securing $30 million of venture capital investment within an 18-month period, while organizing and building the company’s systems and operations from the ground up. After developing RedBrick into a fully operational and competitive force, Kevin “semi-retired” in the fall of 2007 to start up his own consulting company. This company assists small- and mid-size companies to re-engineer their operations, re-structure organizational models and build top-grade staffs.
	Dean F. Chatlain, has been director of technical concepts, advanced sales of Lincoln Financial Distributors since August 2006. He has 31 years of experience as a tax attorney. After graduating from Ohio Wesleyan University and Vanderbilt Law School, Chatlain became an IRS trial attorney. After leaving the IRS, he spent the next 24 years as the corporate tax counsel for the Jefferson Pilot Financial group of companies. Because of his responsibilities for tax planning and compliance, he combines a solid background in individual and corporate taxation with a thorough understanding of tax and financial planning advantages offered by the full range of Lincoln’s annuity, investment, life insurance, disability and retirement products. Chatlain has been a member of the company and product tax committees at the ACLI, and has spoken about insurance product taxation at several Federal Bar Association Insurance Tax Conferences.
	Mayur Dalal, MBA, is chairman and CEO of Legacy Planning Group Inc., specializing in servicing inter-generational wealth planning needs for closely-held family businesses, high-net-worth families and pre-retiree physicians. He is the creator of two intellectual capital processes: The Family CFO™ and Legacy Perpetuator process™. Dalal is a United Way of LI and Paramount Planning Group, a division of AXA Equitable, board member and past board member of The International Forum. He holds an undergraduate degree in chemical engineering and graduate degrees in marketing and finance. Dalal has been a speaker at International Forum, Suffolk County Bar Association and the Center of Philanthropic Studies at Indiana University.
	Brad Davidson, president, Securities Pricing And Research, Inc., is a recognized expert in the valuations field. The valuation reports of the Securities Pricing And Research, Inc. have been cited by "The Wall Street Journal" on numerous occasions. Financial service providers that have chosen Securities Pricing And Research, Inc., to provide valuation services to their clients include New York Life, AXA Advisors, National City Bank, MassMutual, PNC Bank, Guardian and Morgan Stanley Trust.
	Ross Devol, director of regional economics and the center for health economics, Milken Institute, is considered an expert on the intangible economy, which is the idea that value has shifted from tangible brick and mortar assets to intangible assets such as patents, brand value and customer relationships. Ranked by International Economy magazine among the “Super Stars” of Think Tank Scholars, Devol has authored numerous studies including: “An Unhealthy America: the Economic Burden of Chronic Disease,” “Mind-to-Market: a Global Analysis of University Biotechnology Transfer and Commercialization” and “America’s High-Tech Economy: Growth, Development, and Risks for Metropolitan Areas.” He also created the Best Performing Cities Index, an annual ranking of the best U.S. metropolitan areas for job creation and economic expansion. Formerly, DeVol was senior vice president of Global Insight, Inc., where he supervised their Regional Economic Services Group. He was the firm’s chief spokesman on international trade. He also served as the head of Global Insight’s U.S. Long-Term Macro Service and authored numerous special reports on behalf of the U.S. Macro Group.
	Robert W. Dineen heads Lincoln Financial Network, the retail distribution arm of Lincoln Financial Group, and serves as president of Jefferson Pilot Securities Corp. and Lincoln Financial Advisors Corp. Formerly, Dineen was senior vice president and head of Merrill Lynch’s Managed Asset Group, where he was responsible for leading and directing the manufacturing and distribution of all retail and institutional separate accounts businesses. This included managing relationships with 140 asset management companies and 3,000 fund families that distribute mutual fund, separate account and alternative investments. Dineen is Lincoln Life & Annuity Company of New York and Forum for Investor Advice board member and serves on the Board of Governors for the Money Management Institute.
	Joseph M. Durnford, CPA, CVA, CM&AA, of Registered Securities Principal, is considered an expert in the development of consumer-branded products and companies. Since founding JD Ford & Company in 1996, he has been responsible for completing more than $1 billion in M&A transactions and various debt/equity financings. Formerly, he was a corporate finance manager with Pricewaterhouse Coopers and a senior consultant with Deloitte. He has also been involved in several entrepreneurial pursuits and equity investments. Durnford is a frequent author and lecturer and has served on many corporate and charitable boards.
	Chris Erblich, JD, of Husch Blackwell Sanders LLP, and member of the firm’s Partner Board, practices in the areas of tax and estate planning with a concentration in corporate and advanced life underwriting law. He has extensive experience regarding federal transfer taxation and various income tax and estate planning techniques. Erblich provides ongoing business counseling and guidance to many corporate clients and is considered to be the trusted advisor for closely-held businesses and their families, as well as high-net worth individuals including prominent sports figures.
	Timothy Ferris was nominated as one of Fast Company’s “Most Innovative Business People of 2007,” is author of the #1 “New York Times,” “Wall Street Journal,” and “BusinessWeek” bestseller, “The 4-Hour Workweek.” He has been featured by dozens of media, including “The New York Times,” “The Economist,” “TIME,” “Forbes,” “Fortune,” CNN, and CBS. He speaks six languages, runs a multinational firm from wireless locations worldwide and has been a popular guest lecturer at Princeton University since 2003, where he presents entrepreneurship as a tool for ideal lifestyle design and world change. As a professional polymath, he has amassed a diverse roster of credentials and experience. Ferriss received his BA from Princeton University in 2000, where he studied in the Neuroscience and East Asian Studies departments. He developed his nonfiction writing with Pulitzer Prize winner John McPhee and formed his life philosophies under Nobel Prize winner Kenzaburo Oe.
	Barry J. Fisher, CSA, LTCP, CEO of Barry J. Fisher/Paradigm Insurance Marketing, a brokerage general agency focused on long-term care insurance, co-founded the American Association for Long Term Care Insurance. Fisher began his life and health insurance career in 1976 at Metropolitan Life. He became an independent, personal-producing general agent in 1980 and began his insurance marketing career in 1990. In 2002 the California State Legislature recognized him for his leadership in health care and long-term care legislative advocacy, and in 2003 he received the National Association of Health Underwriter’s Legislative Achievement Award. He serves on the California Department of Insurance Agents & Brokers Advisory Committee and participates in various California Department of Insurance work groups pertaining to legislative and agent education issues. Fisher has been an officer and past president of the Los Angeles and California Associations of Health Underwriters.
	Jonathan Forster, JD, is listed as one of Washington's top lawyers in the field of tax planning, focusing on business planning for privately held companies, business succession, executive compensation and estate planning. Forster provides innovative, practical tax strategies to assist business owners in building and preserving the value of their companies and personal net worth. He also counsels life insurance companies on a wide array of tax and regulatory strategies often serving as their outside general counsel. His representation includes numerous government contracting firms, national financial service firms and several large family offices.
	Howard Freedland, CFA, is the CEO of Global Life Underwriting, LLC a life expectancy provider. He is the author of the monograph “Morbidity vs. Mortality” and a lecturer on life expectancy and the demographics of the senior population. He is a founding member of the International Society of Life Settlement Professionals and is the Chair of the Education and Certification Committee. Freedland was the former Chairman and CEO of National Water & Power and before that, the CFO of GE Capital – ResCom. Earlier in his career Freedland was Managing General Partner of September Investors, Ltd., a hedge fund and September Venture Partners, Ltd., a private equity fund and CEO of London Freedland Incorporated, a NASD broker/dealer. He began his investment career as a quality of earnings analyst and mutual fund portfolio manager for St. Paul Advisors. Freedland was an instructor in finance at the University of Minnesota where he worked with Professor C. Robert Carlson to create the financial formula Net Terminal Value. Freedland received his B.A. from the University of Minnesota and has been a Chartered Financial Analysts since 1978.
	Tom Godlasky is chief executive of Aviva North America. He is also president and chief executive officer of Aviva USA. Godlasky is a director on the boards of Aviva USA and Aviva Canada. As chief executive officer of Aviva North America, Godlasky leads Aviva’s strategic development and growth in the region. Godlasky was chairman, president and chief executive officer of AmerUs Group and assumed his current role upon the acquisition of AmerUs Group by Aviva plc in 2006. Godlasky has over 29 years of experience in the financial services industry. Godlasky received a bachelor of science degree in urban and regional planning from Indiana University of Pennsylvania and holds a masters degree in public administration from the University of Pittsburgh. He is a graduate of Harvard Business School’s Advanced Management Program and is a Chartered Financial Analyst.
Jerald E. Hampton, director of sales, Longmore Credit Services, is a 31-year veteran in the financial services industry. Formerly, he was CEO of AXA Distributors and executive vice president of AXA Financial, where he was responsible for third party relationships and company product sales. Prior to his current position, he served as executive vice president and director of Private Client Financial Services for Smith Barney. Under his leadership, Smith Barney became the #1 distributor of life insurance and annuities on Wall Street. He also worked for EF Hutton as part of the pilot program to launch Universal Life into the market and for MONY where he achieved Rookie of the Year and Agent of the Year honors.
	David Hartman is the president of the Life Insurance Settlement Association (LISA). Founded in 1995, LISA is America's oldest, largest and most widely recognized trade association in the life settlement industry, participating in legislative and regulatory matters in all 50 states, Puerto Rico and Canada. Hartman is also the chief operating officer of Life Settlement Providers, LLC, a licensed Maryland life settlement provider. He joined Life Settlement Providers in August of 2005 and is responsible for the day-to-day operations of the firm. Prior to joining Life Settlement Providers, Hartman was a principal of A. M. Pappas and Associates, a $150 million venture capital firm. He was formerly a manager in the consulting division of Deloitte & Touche. Hartman holds an MBA from the Kenan-Flagler School of Business at the University of North Carolina at Chapel Hill. He is a CPA and recipient of the Katherine Guthrie Bronze Medal recognizing the third-highest score on the November 1996 North Carolina CPA Examination. Hartman also holds the Certified Fraud Examiners designation.
	Ken Hartstein, CLU, CHFC, is chief executive officer of Economic Concepts Inc., a product marketing and consulting firm formed in 1991 as the successor entity to Investment and Retirement Systems, specializing in qualified pension and profit sharing plans. Additionally, he and his sons are managing partners of Medalist Pension Advisors, LLC, a full service pension and profit sharing administration firm. Hartstein has designed and successfully marketed tax-advantaged programs to assist clients in minimizing their business pretax profits. From 1968 to 1980, he was a partner within a corporation providing financial planning and pension plan consulting. In 1980, he served as a principal in both Investment and Retirement Systems and Actuarial and Administrative Services. He is a board member for The International Forum, member of the Advanced Association of Life Underwriters, past chairman of the Phoenix Tax Workshop's 401 Committee and past president of the Phoenix Chapter of American Society of Financial Service Professionals. He is a life and qualifying member of the Million Dollar Round Table and Top of the Table. Hartstein earned a bachelor’s degree in finance from Long Island University.
	Todd S. Healy, CLU, ChFC, AEP, principal, IPS Advisors, Inc., an independent insurance brokerage and consulting firm, is the creator of The Values Perpetuator Process®. For nearly three decades, he has worked with high net-worth individuals to help maximize their estates. He earned undergraduate and graduate degrees from the University of California at Berkeley, holds Chartered Life Underwriter and Chartered Financial Consultant designations and is an Accredited Estate Planner with the National Association of Estate Planners and Councils. Healy frequently lecturers on advanced estate planning and the development of charitable giving programs and has served on many boards.
	Jerry Hesch, JD, practices at the national law firm of Greenberg Traurig and is an adjunct professor at the University of Buffalo and the University of Miami law schools. He has published numerous articles and several Tax Management Portfolios, and he co-authored a law school casebook on Federal Income Taxation, now in its third edition. Hesch participated in several bar association projects, such as the Drafting Committee of the Florida Revised Uniform Partnership Act and preparing the ABA’s comments on the IRS’s proposed private annuity regulations. Formerly, Hesch worked in the Internal Revenue Service Office of Chief Counsel and was a full-time law professor. He received his bachelor’s degree and a master’s degree in business administration from the University of Michigan and a law degree from the University of Buffalo Law School.
	Charles D. Hollander Jr. is president of Applied Strategies & Counsel, Inc., and co-founder of The Performance School. The concepts that led to the formation of Applied Strategies & Counsel, Inc. and the creation of The Performance School have evolved over the course of an 18-year career with industry leader, Sid Friedman. After building a successful practice in Philadelphia, Hollander packed up everything and started over in Scottsdale, Ariz. Applied Strategies & Counsel, Inc., has grown from providing comprehensive client advice to providing practice management training to advisors and enjoying the value of sharing expertise. The Performance School is the latest milestone in this progression. He serves on the board of directors of The International Forum and is a past Top of the Table member.
	John Irvin, CPA, chairman and CEO, IBC, Innovative Benefits Consulting, Inc., a life insurance consulting firm and wholly owned subsidiary of National Financial Partners, NFP (NYSE), is an active representative of the financial advisory industry and frequent speaker and consultant for public and private organizations. Formerly, he was a partner and co-founder of Mid Atlantic Capital Group and president of Mid Atlantic Insurance Corporation, a wholly owned subsidiary. He worked at the international accounting firm of Arthur Andersen & Company in its tax department and formed the certified public accounting firm of John Irvin and Company. Irvin serves on the Argon ST, a NASDAQ traded firm, Board of Directors and is the Audit Committee Chairperson. He holds a bachelor’s degree from Lehigh University with an accounting major.
Eric A. Jacoby, CFP, Registered Investment Advisor, runs his own practice, The Jacoby Agency, which services more than 800 clients. He has extensive knowledge of life, disability and long¬-term care insurance and is also experienced in the areas of estate, retirement and education planning. Jacoby frequently conducts long-term care planning continuing education. He attended San Diego State University, majoring in Business Administration.
	Hendrik F. Jordaan, partner, Holme Roberts & Owen LLP, advises financial and strategic buyers and in public and private M&A transactions. He also serves as co-chairman of Holme Roberts & Owen LLP corporate group. In the course of his M&A practice, Jordaan routinely structures, negotiates and documents a wide array of transactions including asset acquisitions, stock acquisitions, mergers, leveraged buy outs, auction transactions, tender offers, going-private transactions and cross-border transactions. His practice spans a variety of industries including health care, logistics, natural resources, sports and entertainment, telecommunications and technology.
	Martin Kalb, JD, represents Greenberg Traurig clients in all aspects of tax law, estate planning, corporate matters and M&A during a 30+ year tenure. Formerly, he was a shareholder and head of the firm's tax practice, executive vice president and general counsel of UniCapital Corporation, a former NYSE equipment leasing company and attorney in the Office of the Chief Counsel of the Internal Revenue Service.
	DuWayne Kilbo, FLMI, MBA, is principal of Windsor Insurance Associates, a brokerage general agency, is a 20+-year veteran with home office and field experience. His areas of expertise include underwriting, strategy development and implementation, brokerage management, agent recruitment, reinsurance treaty development and negotiation, home office underwriting management/underwriting standard development, case underwriting and process improvement. Kilbo is also an author and lecturer.
	Stuart Kirsner founded the Pension Center of New York and the Stuart Estate Planning Organization. He is a 30-year and 20-year qualifier respectively of the Million Dollar Round Table Top of the Table. Kirsner has launched many of the biggest producers into seminar sales. He is a member of The International Forum and the Agents Advisory Council of Lincoln Financial.
	Craig Kirsner, MBA, authored a book about the real estate bubble and coming crash, successfully calling the top of the real estate market. He is well-versed in life insurance, real estate mezzanine financing and stock trading. He graduated at the top of his master’s in business administration finance class from the Chapman School of Business at Florida International University. Krisner was inducted into the prestigious Beta Gamma Sigma Honor Society. His undergraduate studies were completed at the University of Florida.
	Jason Kurchner has twenty-five years of experience in the life insurance and financial services industries. He is the Chief Executive Officer and founder of Sage Consulting, a nationally recognized estate planning firm. He is affiliated with “The M Group”, the largest and most successful producer group in the country. Kurchner is a member of the board of directors of The International Forum, a member of the American Association of Life Underwriters (AALU) and the Financial Planning Association of Northeastern New York. Kurchner received his BA at Skidmore College, CFP through the College of Financial Planning and is an NASD Registered Representative and General Securities principal.
	Joel Kurtzman is a senior fellow at the Milken Institute and executive director of SAVE, the institute’s program on alternative energy and climate change. He serves as senior advisor and chairman to Knowledge Universe and chairman of the Kurtzman Group, a consulting and advisory firm. He also advises a number of private equity firms and is co-chairman, with Harvey Pitt, of the Corporate Governance Summits, a meeting limited exclusively to directors of boards. He recently published his 20th book, “Global Edge” (Harvard Business School Press), about global risk management. Prior to his current roles, Kurtzman held the positions of Global Lead Partner for Thought Leadership and Innovation at PricewaterhouseCoopers, partner in a private equity firm, president of his own advisory firm, an alliance partner with Booz-Allen & Hamilton and an international economist at the United Nations and World Bank. Formerly, he was editor of the Harvard Business Review magazine and business editor of The New York Times, columnist for The New York Times and Fortune magazine, and Harvard Business School Publishing editorial board member. He is a member of the editorial board of MIT Sloan Management Review journal. Kurtzman speaks to diverse business and government audiences around the world, has hosted television and radio programs globally and served as chairman of numerous conferences.
	Richard H. Linsday, CLU, AEP, ChFC, RFC, works with Planned Estate Services, headquartered in Westlake Village, California and is a Company of Met Life. Linsday has worked with accounting, legal and trust advisors in the design and implementation of sophisticated tax and investment strategies for his clients. This interest in strategic planning has allowed Linsday to integrate family wealth and life planning into creative financial and estate strategies for individuals and business owners alike. As an Accredited Estate Planner (AEP) and Chartered Financial Consultant (ChFC), Rich is active in, The Society for Financial Services Professionals as Director, Foundation for Society of Financial Services Professionals, President, the Los Angeles Estate Planning Council and the National Association of Insurance and Financial Advisors (West Los Angeles). He presently teaches "Personal Financial Planning" at California State University Northridge as an Adjunct Professor of Finance in their School of Business. He graduated from Northern Illinois University and attended National Defense University for graduate work.
	William L. MacDonald, MBA, is CEO and Chairman of the Board at Retirement Capital Group. He founded Compensation Resource Group in 1978, which grew to one of the industry leaders in nonqualified plans. In 2000, the Compensation Resource Group was acquired by a NYSE company, where MacDonald served as president and CEO of the executive benefits division until 2003. With a passion for building organizations, he founded RCG in 2003. Just five years later, this organization is among the top firms in the field with offices in six major cities. MacDonald is a 28-year member of Top of the Table and a member of the Association For Advanced Life Underwriting. He graduated from Northeastern University and the Harvard Business School.
Jerry Mainardi is with Lighthouse Strategic Projects Group. With 28 years of marketing experience, Mainardi has seen the good, the bad and the ugly. His marketing skills were developed directing film for some of the nation's top financial services companies, pioneering interactive television in conjunction with Bell Atlantic in 1995 and winning the Top 100 Multimedia Producer title in the United States in 1996. His directing skills culminated in 2005, with his first feature length motion picture, “The Final Patient.” His passion for creating meaningful, engaging marketing resulted in the formation of Selling Technologies, a software company established in 1995. The company's focus is developing emotionally compelling sales tools for the financial services market, with a heavy reliance on video content. There are two CD-ROM-based titles presently in the insurance marketplace, businessKillers® and FamilyMatters ® with another, FootPrints™, scheduled for release in the fourth quarter of 2008. He has been quoted in many national publications on the subject of electronic marketing techniques and is a featured speaker at regional, national and international conferences on multimedia’s effect on the financial services industry and how technology can shorten the sales cycle.
	Robert Massengill, president, SES Advisors, has been working with owners of privately-held companies for more than 20 years. His experience in M&A as an investment banker in New York provided a solid foundation for his transition into the ESOP advisory business. He is a frequent speaker on ESOP matters and is an active member of the leading trade associations, including The ESOP Association, where he is a member of the Valuation Advisory Committee and the National Center for Employee Ownership. Massengill has authored several articles for The Journal of Employee Ownership Law and Finance including articles on non-leveraged ESOPs and using convertible preferred stock in ESOP transactions. He earned a bachelor’s degree in business administration from Miami University (Ohio) and a master’s degree in business administration from New York University’s Leonard N. Stern School of Business.
John McCarroll, JD, serves as general counsel at Q Capital Strategies LLC, a life settlement provider. Prior to this position, he practiced insurance regulatory and corporate insurance law, most recently with firms Dewey and LeBoeuf and Locke Lord Bissell and Liddell. He also worked as an in-house attorney with Insurance Services Office and has represented clients in litigation, corporate and employment matters. McCarroll was recently elected vice president of the Board of Directors of the Life Insurance Settlement. He worked extensively to revise the Life Insurance Settlement Association Standards and Best Practices. McCarroll earned a bachelor’s degree from the University of Virginia and a law degree from St. John’s University School of Law.
	Jon B. Mendelsohn, president and CEO, Ashar Group, LLC, a nationally-licensed, life settlement firm, has extensive life settlement process experience and expertise in both the operational and marketing components of the secondary market. He became active in the life settlement industry when the market transitioned to an institutionally-driven market. He has spoken nationally at numerous financial services conferences and frequently conducts continuing education for both financial advisors and attorneys nationally. He is a member of The International Forum and the 21st Services Customer Advisory Board. Mendelsohn earned bachelor’s degrees in economics and marketing and a master’s degree in education from the University of Florida.
	Paul R. Myers, FSA, MAAA, assistant vice president and marketing actuary of Munich American Reassurance Company, is responsible for client management and marketing of individual life reinsurance products and services to direct insurers. For most of his career, he has developed and priced life insurance products for both the direct and reinsurance markets. Myers also worked for Hartford Life, served as the lead life actuary for a National Financial Partners Core Carrier and spent time in sales serving as a regional director and a wholesaler for an insurer. He is a fellow of the Society of Actuaries, a member of the American Academy of Actuaries and holds a bachelor’s degree in Mathematics from the Pennsylvania State University.
	Mike O’Donnel is a principal with Alliant Insurance Services in a Houston, Texas. O’Donnel began his career in 1986 as part of an office with three brokers and three support staff. Today, Alliant has over 1000 employees in 28 different cities as a result of several strategic mergers and acquisitions. Alliant’s brokerage services include property/casualty, employee benefits, executive benefits and wealth transfer/exit planning. O’Donnel specializes in executive benefits, retirement and estate planning. His clients include business executives and high net worth individuals. He is a registered representative with Lincoln Securities, on the Board of Directors of The International Forum and the World Health and Golf Association. He has spoken at many industry functions as well as various associations. Some of these include Rice University, the University of Houston, the State Bar of Texas, The International Forum and at numerous life insurance company conventions.He received his Bachelor of Science degree from the University of Houston and completed the Retirement Strategies Program and the Wharton School of Business.
	F. Ted O’Hara, CLU, ChFC, MSFS, is president of Araho Ltd., a full-service pension administration firm; a partner in Adirondack Financial Services, a professional money management firm; and a registered representative of Berthel Fisher. He is a 34-year member of the Million Dollar Round Table, member of the Top of the Table and past treasurer of The International Forum.
	Terry O’Neill is founder of The O’Neill Company, an affiliated National Financial Partners firm, which is a 220-person national financial and employee benefit enterprise. Formerly, he served as president and CEO of The O’Neill Company consulting firm. He is the author of “The Life Insurance Kit, a Consumer Guide” (Dearborn Financial Publishing) and has published financial articles in "Employee Benefit Plan Review," "Financial Services Week," "Leaders Magazine," "Life Association News," "The National Underwriter," "San Diego Commerce," "Solutions and workforce.com." He frequently lectures on financial innovation, retirement planning, health care benefits and planning, employee and executive benefits and estate planning. O’Neill has served on many boards and advisory councils.
Steve Orr serves as President of Life Settlement Providers, LLC, one of the largest vertically-integrated life settlement providers. In this capacity he is responsible for the firm’s sales, marketing, and government relations functions. Before joining Life Settlement Providers, LLC, he served as Insurance Commissioner in Maryland where he was actively involved in health care reform, property-casualty issues, and producer concerns. Originally from North Carolina, but a Maryland resident for 28 years, Orr is a 30-year veteran of insurance, information technology and banking. He was Senior Vice President/Chief Information Officer of Universal Underwriters Group (UUG) in Overland Park, Kansas. Prior to UUG, Orr served as Vice President North American Shared Services of Zurich Financial Services in Baltimore, Maryland. Between 1982 and 2000, Orr was an entrepreneur, founding and operating several technology start-ups. Between 1978 and 1982, he worked in commercial banking in Winston-Salem, North Carolina and Baltimore, Maryland. Orr, 53, is a cum laude with honors Economics graduate of Wake Forest University and holds an MBA from the University of Virginia’s Darden School of Business. He also holds a Chartered Property Casualty Underwriter (CPCU) designation.
Caleb Pitters, JD, director, Credit Suisse, manages the Delta One Trading desk in the Life Finance Group. He specializes in emerging markets sales and trading. Prior to his current role, Pitters traded bonds and credit default swaps for sovereign and corporate credits in Latin America and Asia on behalf of Credit Suisse. He holds a bachelor’s degree from the Edmund A. Walsh School of Foreign Service at Georgetown University and a law degree from Harvard Law School.
	Alan Pratt, CEP, CAP, is a family legacy advisor who specializes in Advanced Life Insurance designs. His company, Pratt Legacy Advisors, created Legacy Planning from the Heart™. He frequently speaks about wealth preservation, stewardship and family relationships. Pratt earned his CAP designation in 2006 and was elected to the Board of Directors of The International Association of Advisors in Philanthropy. In 2007, he became a founding member of the Seattle Philanthropic Advisors Network. Pratt is also an active member of the National Institute of Certified Estate Planners, Washington Planned Giving Council and the Seattle Chapter of the National Association of Insurance and Financial Advisors.
Paul Robb, CLU, ChFC, CFP®, managing director, Succession Capital Alliance, and founder, The Wealth Management Alliance, LLC, an alliance based joint-work producer network, is a recognized expert in the field of multidisciplinary practices and premium financing. Formerly, Robb served as CEO of Collaborate Solutions, a software company specializing in technologies that facilitate the alliance business model, and he was a Northwestern Mutual Life career agent. During the successful tenure of his Wealth Management Alliance model, Robb incorporated the CMS premium financing program into his joint work marketing efforts. Today, CMS is endorsed by 10 major life insurance carriers and represents the multi-billion dollar placement of life insurance policies with a premium portfolio of more than $1.7 billion. Resulting from a partnership relationship between CMS and a Fortune 100 Company, Succession Capital Alliance was created to address a void in the understanding and communication of life insurance within the insurance industry. He is a life member of the Million Dollar Round Table and The International Forum and has achieved Top of the Table status. Robb holds a business degree from the University of Arizona.
	Warren Rosen
	Philip D. Rowe, CLU, is chief marketing officer for Niche Marketing, Inc. Niche was co-created by Rowe and Judi Carsrud in 1991 to serve planning professionals with new ideas and support for welfare benefit plan implementation. Rowe has a substantial financial planning and insurance background, having spent 22 years in the Connecticut General-CIGNA system as the regional manager of one of their most successful sales offices, and he has subsequently owned and operated his own financial planning organization. Rowe is a member of The International Forum, has spoken at Million Dollar Round Table meetings and conducts frequent seminars on welfare benefit plans. He is a graduate in economics from the University of California, Santa Barbara.
	John Scroggin, JD, LL.M (tax), AEP, has practiced as a business, tax and estate planning attorney for 30 years. He serves as founding editor-in-chief of the NAEPC Journal of Estate and Tax Planning. He is a frequent lecturer as well as the author of more than 200 published articles and columns. Scroggin has been quoted extensively, including: "The Wall Street Journal" (1999, 2004, 2005, 2006, 2007), CNN Headline News (on the Terri Schavio case), MSN National Public Radio Marketplace Radio, National Public Radio Talk of the Town, "Fortune" magazine, "Forbes" magazine, "Kiplinger’s", "Money" magazine, "Dow Jones Investment Advisor," "Worth" magazine, "Financial Advisor," "Bloomberg Wealth Management," "Financial Planning," "The New York Times," "Chicago Tribune," "Smart Money" magazine, "Wall Street Magazine," "The South China Post," "The LA Times" and "Newsday."
	Howard E. Sharfman, president, Schwartz Benefit Services, Inc., is a recognized estate tax and executive benefits authority. Sharfman’s strategies for wealth transfer, including the “Zero Estate Tax Plan,” have been implemented by many of the nation’s leading families. He brings a unique perspective to the industry as a result of his strategic alliances with accounting firms across the country. He serves on the advisory boards of John Hancock and Partners Financial and is a frequent lecturer and contributor to publications. Sharfman serves on The International Forum Board of Directors, is a member of the Advanced Association of Life Underwriters, Million Dollar Round Table and Top of the Table and is the current chairman of ING’s LifeDesign Advisory Board.
	Robert C. Slane, AEP, CLU, is president of The Wealth Transfer Group, Inc., and member-manager of Wealth Transfer Group, LLC. He assists attorneys, accountants, trust officers and wealthy families on a broad range of wealth transfer planning strategies. Slane has appeared on CNBC’s Power Lunch and has been quoted in the "The New York Times," "The Wall Street Journal," "Trusts and Estates" magazine and "Bloomberg Wealth Manager" magazine. He received a U.S. patent for a business method involving non-qualified stock options in 2003. Slane is a current member and past president of The International Forum.
	Simon Singer, CFP, RFC, is renowned throughout the financial services industry as one of the brightest and most successful practitioners in the nation. He has co-authored three books on Asset Protection and Estate Planning in conjunction with the Esperiti Peterson Institute and the National Association of Family Wealth Counselor’s, and lectures frequently on these subjects nationally. He is also the Past President of The International Forum. Through the company he founded, the Advisor Consulting Group, in addition to the Southern California Institute, and the CPA/Law Forum, he teaches attorneys and CPAs advanced educational information as well as team building and communication skills so as to better serve their clients.
	Steven Solys has 16 years of experience in the financial services industry. He joined Sagemark Consulting/Lincoln Financial Group in July 1992 as a financial advisor. His current national practice specializes in family estate, charitable business, insurance and wealth management planning solutions for his highly affluent clientele. Solys is a frequent speaker at Lincoln's national sales conferences and agency meetings. He is a consultant to several Lincoln/Sagemark offices for working with the affluent and their advisors using sophisticated estate and charitable plan design. Solys has degrees in biochemistry and genetic engineering from the University of Michigan and the University of Toledo.
	Warren Steinborn is a leading life insurance producer and one of the industry’s foremost experts on qualified plan marketing. As a consultant to several life insurance companies, he currently shares his expertise with producers in the indexed life market. Steinborn received his undergraduate degree at Southern Illinois University and attended Washington University Law School. As a personal producer since 1968, he has mastered the unique ability to develop sales concepts, strategies and market penetration by utilizing standard insurance products to niche markets. Steinborn is a member of NAIFA, AALU- Association of Advanced Life Underwriters; as well as the International Forum, a producer-based organization with member production requirements of $500,000 or more per year. Warren is a member of the American Society of Pension Actuaries as well as a member of the prestigious NAACI group, the National Association of Actuaries and Consultants, Inc.
Dan Sullivan is the founder and president of The Strategic Coach Inc. and the creator of The Strategic Coach® Program. Since its inception in 1988, this lifetime focusing program has helped accomplished entrepreneurs to reach new heights of success and happiness. Sullivan has more than 30 years of experience as a highly regarded speaker, consultant, strategic planner and coach to entrepreneurial individuals and groups. The Strategic Coach has helped over 10,000 entrepreneurs in 60 different industries to simplify their lives, focus their Unique Ability®, develop their organizations and expand their success in the marketplace. A sought-after speaker, Sullivan is the author of over 30 publications, with a reading and listening audience of more than 100,000 individuals.
	Thomas A. Taylor is a Regional Vice President and Sales Manager for Prudential Annuities, supporting the South Texas region. He has worked in the financial services industry for over a decade. Taylor spent many years as a successful financial planner with an NASD firm in New Orleans, before joining Prudential Annuities in late 2004. In 2005, he received the New Wholesaler of the Year award. Taylor received the Divisional Sales Leader award in 2006. Today, Taylor is responsible for the sale of variable annuity products in South Texas in Prudential Annuities’ independent broker-dealer channel. A certified continuing education instructor, he also provides financial professionals with sales techniques and initiatives to help them grow their business. As a top retail producer, Taylor is eager to share the knowledge and experience he has gained with independent advisors to help them meet their clients’ needs. Taylor has a B.S. in Business Administration from the University of New Orleans. He currently resides in Houston, Texas with his wife and two dogs.
	Steve Walker is the Chief Operating Officer of 21st Services, a leading provider of life expectancy evaluations. Walker has more than 13 years' experience in the viatical and life settlement industry and was one of the founders of 21st Services, LLC, which opened its doors in 1998. Walker is in charge of all aspects of the company's operations, including underwriter productivity, underwriting support, client services, post-purchase mortality tracking and death claim processing, throughout North America and much of Europe. 21st Services has made its mark in the life expectancy evaluation business by emphasizing independence, consistency and reproducibility in its evaluations. From the beginning, the company has combined underwriting expertise with systems innovation to provide a unique life expectancy product.
	Benjamin Woloshin serves as vice president of the Longevity Markets Group of Goldman Sachs. Prior to joining Goldman Sachs, he worked within the variable annuity and life insurance space for MetLife International. He also worked for Citigroup, CitiInsurance and Travelers Life and Annuity in a variety of global distribution and product development roles. In addition, Woloshin preformed various global roles in the investment management business both at Putnam Investments and the Bank of America. He earned a bachelor’s degree from Loyola University of Chicago.
	Perry Wong, senior managing economist in regional economics, the Milken Institute, is an expert on regional economics, development and econometric forecasting. He specializes in analyzing the structure, industry mix, development and public policies of a regional economy. He designs, manages and performs research on labor and workforce issues, the relationship between technology and economic development, and trade and industry, with a focus on policy development and implementation of economic policy in both leading and disadvantaged regions. Wong is actively involved in projects aimed at increasing access to technology and regional economic development in California and the Midwest. His work extends to the international arena, where he is involved in regional economic development in southern China, Taiwan and elsewhere in Asia. Prior to joining the institute, Wong was a senior economist and director of regional forecasting at Global Insight Inc. He earned a master's degree in economics from Temple University.
	Teague Wright, executive vice president of The Potomac Group, a Crump Company, addresses the needs of the high net-worth marketplace. Prior to her current role, Wright held the positions of senior vice president, sales, for The Potomac Group and vice president, underwriting, for National Financial Partners. There, she built National Financial Partner’s Underwriting Advocacy Program. She also worked for BISYS for six years, where she served as director of the major case division. Wright received her bachelor’s degree from Pennsylvania State University.
	Glenn Yago, director of Capital Studies, the Milken Institute, is a leading authority on financial innovations, capital markets, emerging markets and environmental finance. He is also a Senior Koret Fellow, directing postgraduate research on economic and financial reform in Israel. Yago focuses on the innovative use of financial instruments to solve long-standing economic development, social and environmental challenges. He is the author of five books, including "Global Edge" (Harvard Business School Press), "Restructuring Regulation and Financial Institutions" (Kluwer) and "Beyond Junk Bonds" (Oxford University Press), and he is co-editor of the Milken Institute Series on “Financial Innovation and Economic Growth” (Springer). Yago created the Milken Institute’s Capital Access Index, an annual survey measuring access to capital for entrepreneurs across countries and co-created the Opacity Index, measuring financial risks associated with corruption, legal, enforcement, accounting and regulatory practices internationally. He holds a doctorate degree from the University of Wisconsin, Madison.
	E. Dennis Zahrbock is the founder and president of a 30-year-old financial resources firm with expertise in comprehensive financial planning, 401(k) design, administration and funding and business owner exit planning strategies. He has two partners and eight staff associates including a chief operating officer, which resulted from Kevin Casey’s consulting project with his firm. His life insurance career began as a senior in college. Within seven months, Zahrbock had sold a million dollars of whole life insurance. Five years later he discovered that he had been selling an inferior product and vowed to become smarter about service and products or else exit the industry.

The International Forum
2008 Annual Meeting
January 12-16, 2008
Loews Miami Beach Hotel
Miami Beach, Florida

	William R. Brereton, JD, CLU, is president of The Brereton Group. Brereton holds a Bachelor of Science degree from Michigan State University and earned his Juris Doctorate degree, cum laude, from Chase College of Law in Cincinnati. He frequently conducts seminars with other attorneys on client oriented solutions to wealth preservation. Brereton also was the consulting editor for The Irrevocable Life Insurance Trust - Forms and Drafting Notes, which is part of the American Bar Association's Insurance Counselor Series. In addition, he was the contributing author to Generations - Planning Your Legacy, a 1998 guide to estate planning. Brereton is a member of the Ohio Bar Association, the Florida Bar Association and the American Bar Association. His firm specializes in financial modeling, which is critical to wealth transfer planning for the larger estate.
	John H. Brown, JD, is the president of Business Enterprise Institute, Inc. (BEI) and founder of the Denver law firm of Minor & Brown, P.C. Brown began his practice as an estate planner, but over the last 30 years has represented hundreds of business owners as they work to orchestrate successful exits from their companies. As president of BEI, Brown has taught thousands of advisors how to solve their clients' most pressing problem - how to exit their companies in style.
	Alan Buerger is CEO and co-founder of Coventry. Under Buerger’s leadership, Coventry created the secondary market and has transformed the life insurance industry by giving consumers the opportunity to sell their unwanted policies in a free market environment. Coventry’s efforts have enabled policy owners to receive more than $1.2 billion over cash surrender value. Coventry continues to provide consumers with new ways to leverage the market value of life insurance. For more than 30 years, Buerger has been one of the industry’s chief innovators. He has worked to continually expand the power, value and flexibility of life insurance, and he is responsible for more than a dozen major innovations.
	Steve Cain, CLTC, CSA, has been with MARSH Private Client Services (formerly Centrelink Insurance and Financial Services) since May of 1999. In 2004, he became the director of the Long-Term Care Division. After receiving a BA in communication, with a minor in business from the University of California at Santa Barbara, he had a brief career in professional baseball with the Detroit Tigers farm system. Cain was part of the team that introduced Lincoln Benefit Life’s long-term care policy to the brokerage market. At MARSH PCS, Cain is responsible for overall sales production, corporate/group sales, marketing support and agent training for MARSH PCS representatives.
	Judi Carsrud is president and co-founder of Niche Plan Sponsors, Inc. Niche has been a leader in the proper use of welfare benefit plans since 1991 and specializes in supporting the financial service industry in the sales and implementation of welfare plans. Carsrud has almost 30 years of experience in the life insurance industry and in financial planning. Her technical expertise on 419 is well known and respected throughout the industry. Carsrud has been very active in working with Congress and the Treasury for clear guidance on welfare benefit plans and is committed to furthering the use and application of welfare benefits for small-to medium-sized businesses.
	Brian T. Casey, Esq., is a partner in the Financial Services and Insurance Practice Group of Lord, Bissell & Brook LLP and chairs the Insurance Capital Markets Practice. Casey focuses on corporate mergers and acquisitions, premium finance and life settlement transactions, multi-state insurance regulation and technology matters for insurance companies, insurance agencies, third party administrators and financial services firms. He also represents clients in privacy, reinsurance, corporate finance, venture capital and taxation matters. He is a founding member of the Life Insurance Finance Association, a board member of the Life Insurance Settlement Association and chaired The First Annual Life Insurance Premium Finance Symposium. Casey speaks nationally on life settlements and life insurance premium finance transactions. He graduated from Auburn University (BS, BA accounting, summa cum laude, 1984); The Ohio State University College of Law (JD, 1987) and Emory University (Master of Laws in Taxation, 1992).
	Thomas Commito, JD, LL.M, CLU, ChFC, AEP, is with Lincoln Financial Distributors and has 30 years of experience in advanced sales, life insurance products and life insurance marketing. He has managed the traditional product line at National Life of Vermont. Commito is a graduate of Cornell University (BA), Boston College Law School (JD) and Boston University Law School (LLM -Taxation). He is admitted to practice law in Vermont and Massachusetts. Since 2001, he has written annually the Life Insurance Section for NYU Review of Employee Benefits and Executive Compensation published by Lexis/Nexis. Commito has also published two books: Working with FLPs and LLCs: A Practitioners Guide and Comprehensive Buy-Sell Agreements.
Dan Cornwell is managing director of Cambridge Wealth Strategies, a division of Cambridge Consulting Group. Cornwell helps high net-worth individuals grow and protect their savings and investments through estate conservation techniques, financial strategies, long-term tax planning services and wealth preservation programs. In addition, he provides insurance and investment analysis for both individuals and emerging businesses. He has been with Cambridge for more than 15 years and since 1997, he has helped grow Cambridge Wealth Strategies’ revenue by more than 150%. Cornwell is a graduate of Walsh College of Accounting and Business Administration.
	Douglas Davidoff, CFP, is the founder and CEO of Imagine Business Development and Imagine Wealth Management. He is the author and publisher of TheFastGrowthBlog.com, which gets more than 250,000 visits per month. He is the creator of The INTELLIGENT GROWTH Process™ enabling fast-growth companies and advisors to break free from commoditization and cut their sales cycle time in half. Davidoff has owned and operated four businesses. He is also the author of five books, most recently, Building The Bridge: 4 Steps to Cutting Your Sales Cycle in Half and The 11 Laws of Accelerating Business Growth.
	Charlie Day, M.A.A.A., EA, CPC, CLU, MSPA, is president and CEO of Actuarial Business Solutions, LLC. and Actuarial Data Inc., professional firms specializing in actuarial consulting, valuation and retirement plan administration services. He is a member of the American Academy of Actuaries, the American Society of Pension Professionals & Actuaries and the American Society of Financial Professionals. He is also an enrolled actuary, certified pension consultant and chartered life underwriter. Day has served on the board of directors of the American Society of Pension Professionals & Actuaries and President Jimmy Carter’s Council on Pension Policy. He is a member of AALU, The International Forum and the MDRT (both a Court and Top of the Table qualifier).
	Harry S. Dent, Jr. is the founder of the H. S. Dent Foundation, whose mission is “Helping People Understand Change”. In his book The Great Boom Ahead, published in 1992, Dent stood alone in accurately forecasting the unanticipated “Boom” of the 1990s. In his latest book, The Next Great Bubble Boom, Dent offers a comprehensive forecast for the next two decades with strong growth ahead followed by an extended economic contraction. Dent received his MBA from Harvard Business School.
	Todd Fithian, CEO of The Legacy Companies, has literally grown up in the financial services industry. Third generation family in the industry, Fithian, along with his late brother Scott C. Fithian, were always driven to approach things a little differently than their predecessors. A lifelong entrepreneur, Fithian formed his own financial advisory firm in Boston soon after graduating from The University of Massachusetts. He then joined forces with his brother in 1996 to form The Legacy Companies, a consulting company for professional advisors to learn and implement the Fithian's proprietary "Discovery Process". As co-developer of The Legacy Wealth Optimization System®, he has consulted with advisors, business owners, corporations and families in the United States, Canada and Australia.
	Robert J. Gaspard is the vice president and director of LBP® for Peachtree LBP Finance Company, LLC. Gaspard joined Peachtree in August 1998 as an account executive and rapidly became a top performer in the Structured Settlement Division. In 2001, he became a key member of the WealthBuilder/CompBuilder team and, in late 2004, he transitioned to the new LBP® Division. Prior to his current role, Gaspard was named vice president – national accounts and has spearheaded the release of the company's new LBP 401(k) Plussmsolution. Gaspard received his Bachelor of Science degree in business and finance from Belhaven College, Jackson, Miss., where he graduated with honors.
	David Goldman is a founding member of the Life Finance Group at Credit Suisse. Since the group's formation in 2003, Goldman has been involved in all aspects of the life insurance finance activities of the bank and currently runs its structuring efforts. Goldman has designed and managed each of the wide range of products under the life finance umbrella, including life settlements, annuity / life policy combination transactions, permanent financing and traditional fixed-term maturity financing. An alumnus of the University of Pennsylvania’s Wharton School of Business, Goldman holds a Bachelor of Science in economics with a concentration in finance.
	Thomas J. Handler, JD, is the principal chair of the Advanced Planning and Family Office Practice Group of Handler, Thayer & Duggan, LLC. Handler’s primary area of expertise involves the analysis and design of complex structures and estate plans while creating estate and income efficiency. Such planning often involves the interplay of income tax, estate tax, executive benefits and financial matters. Handler is particularly experienced in advising institutional clients, entrepreneurs, executives, professional athletes, celebrities and family offices. He has extensive experience in the analysis, design and implementation of domestic and international business planning, financial and estate planning, asset protection and advanced tax planning strategies.
	Charles Hollander is president and CEO of Applied Strategies and Counsel, Inc. (ASC), and co-founder of The Performance School. The concepts that led to the formation of ASC and the creation of The Performance School have evolved over the course of an 18 year career with one of our industry leaders, Sid Friedman. After 18 years of building a successful practice in Philadelphia, Hollander packed up everything and started over in Scottsdale, Ariz. The company has grown from providing comprehensive client advice to providing practice management training to advisors and enjoying the value of sharing expertise. The Performance School is the latest milestone in this progression.
	David Houston, JD, is an advanced marketing consultant with ING Life and has worked for ING since 2004. Houston has been working in the life insurance industry since 2000 and specializes in estate planning, executive benefits planning and nonqualified benefits for nonprofit and tax-exempt organizations. Prior to entering the life insurance field, he was an attorney in private practice with a small Minneapolis law firm specializing in estate planning. Houston has given numerous presentations around the country to insurance professionals and financial planners on topics ranging from estate planning to executive benefits planning.
	Scott Keffer is president of Wealth Transfer Solutions, Inc. Keffer is a nationally recognized financial educator, speaker and lecturer, who has been interviewed by Bill Flanagan on KDKA TV’s Sunday Business Page, WPXI TV’s Region’s Business and on Eleanor Schano’s AgeWise program on PBS. Keffer is a contributing author on two books on advanced wealth planning: Love, Money and Control; Reinventing Estate Planning and Giving; Philanthropy for Everyone. He has conducted over 455 presentations across the country on topics including zero estate tax planning, family wealth preservation in the 2000s and tax smart retirement planning. Keffer has advised wealthy individuals and families across the United States for more than a quarter of a century. His counsel and assistance has saved them over $727 million in estate and income taxes. Keffer earned his BS in economics, graduating cum laude from Washington and Jefferson College.
	Scott Kirby is co-president of Advanced Settlements. He has an extensive background in the life settlement industry dating back to 1997 when the secondary market for life insurance began to emerge. Having begun his career with a viatical settlement broker in Florida, he helped pioneer the company’s entry into the life settlement marketplace and completed some of the industry’s very first transactions. In 2000, Kirby co-founded Advanced Settlements and has helped the company grow to one of the leading life settlement firms in the industry. He is a graduate of the University of Central Florida and resides in Windermere, Fla.
	Denis Kleinfeld, JD, CPA, is a shareholder of Rothstein Rosenfeldt Adler, a principal of Kleinfeld Global Services, LLC and general counsel of Four Points Family Office LLC. He serves as a strategic legal advisor to affluent families and closely held businesses on sophisticated national and international income tax, estate tax, investment and transaction planning and asset protection planning matters. He is co-author of the two volume treatise Practical International Tax Planning published by Practicing Law Institute, and is on the editorial board of Estate Planning Magazine published by Research Institute of America. Kleinfeld graduated from the University of Illinois (BS in accounting) and was registered as a CPA. Kleinfeld received his JD from Loyola University of Chicago, School of Law.
	Blaine Laverick, CEBS, CRPS, CLU, ChFC, is a vice president with the Principal Financial Group®. Laverick is responsible for providing nonqualified sales support for national distribution networks. He received his BA from the University of North Carolina at Greensboro and earned the professional designation of Certified Employee Benefits Specialist (CEBS) from the Wharton School of the University of Pennsylvania. Laverick is a qualifying member of the Million Dollar Round Table (MDRT) with Court of the Table qualification, the National Association of Insurance & Financial Advisors (NAIFA) and the International Society of Certified Employee Benefit Specialists (ISCEBS).
	Brent Longnecker, CCC, CCP, CBP, is president of Longnecker & Associates. He has more than 20 years of experience in the analysis, design and implementation of innovative performance, productivity-enhancement and cost-savings programs. Longnecker was selected by Consulting Magazine as one of the 2005 Top 25 consultants in the U.S. Additionally, he was selected by The Heritage Registry of WHO’s WHO for inclusion in the 2005-2006 edition. His consulting engagements with numerous CEOs, boards of directors, investment bankers, attorneys and certified public accountants for all major industries have embraced a wide range of operational, organizational, strategic and ethical business issues. Longnecker is frequently quoted in the national print and broadcast media and has authored hundreds of articles and more than a half-dozen books on this increasingly complex area.
	William L. MacDonald, MBA, founded Retirement Capital Group, Inc. (RCG) in San Diego in 2003, where he serves as CEO and chairman of the board. In 1978, he founded Compensation Resource Group (CRG), later acquired by a NYSE company having served as president and CEO of the Executive Benefits Division until 2003. MacDonald has consulted on executive compensation and benefit issues for more than 25 years for numerous public and privately held firms. He is a frequent lecturer to various organizations, including The Conference Board, World-at-Work, Forbes CEO Forum and the YPO. He is a 27 year member of the Top of the Table and a member of AALU. MacDonald graduated from Northeastern University and The President’s Program on Leadership from Harvard Business School.
	Dan Marino is founder of the Dan Marino Foundation and one of the most celebrated athletes in the world. As quarterback of the Miami Dolphins for 17 consecutive seasons, he held 20 National Football League Records, including “Most Passes Completed, Career” at an astonishing 4,967, “Most Seasons, 3,000 or More Yards Passing” at 13 seasons, and “Highest Completion Percentage as a Rookie”. In August 2005, Marino was guaranteed his place in sports history by being inducted into the Football Hall of Fame. Motivated by experiences in raising their second son, Michael, who has autism, Marino and his wife, Claire, created the Dan Marino Foundation in 1992. The Dan Marino Foundation has been an important resource for children with developmental disabilities and for the families who love them.
	Z. Christopher Mercer, ASA, CFA, is founder and chief executive officer of Mercer Capital, a business valuation and investment banking firm serving a national and international clientele. Mercer began his valuation career in the late 1970s. He has prepared, overseen or contributed to hundreds, if not thousands, of valuations for purposes related to M&A, litigation and tax, among others. He is a prolific author on valuation-related topics and one of the most sought after speakers on business valuation issues for national professional associations and other business and professional groups. Mercer is the author of five books and is a contributing author to Valuation for Impairment Testing (Peabody Publishing, LP, 2001). Mercer has also published scores of articles and given numerous speeches on topics related to business valuation and investment banking.
	Steve Milbrath is a shareholder of Allen, Dyer, Doppelt, Milbrath & Gilchrist, P.A. He has substantial experience in the trial and appeal of complex cases, including all phases of intellectual property, and in the representation of litigants in federal court appeals. He recorded one of the top 100 verdicts (by damage amount) in the United States in 2006 and was named one of Florida’s super lawyers by SuperLawyer.com. Milbrath is board certified by The Florida Bar in business litigation and served as an assistant U.S. attorney, a federal court law clerk and a member of the Levin Law Center's adjunct faculty on Internet law. His memberships include the Federal Circuit Bar Association, American Intellectual Property Law Association and the Intellectual Property Law and Antitrust Committees of the Business Law Section of The Florida Bar.
	Thomas E. Miller, CLU, ChFC, CFP, is president and founder of The VisionLink Advisory Group and creator of The VisionLink Solution™, a unique process that helps businesses envision, create and sustain great compensation and rewards programs. Miller’s background includes 30 years of advising both private and public companies on the adoption of compensation and benefits programs. In addition to running The VisionLink Advisory Group, he is a principal in VisionLink Corporate Insurance Services, an M Financial firm. He has been responsible for the implementation of numerous corporate owned life insurance programs around the country.
	Elizabeth B. Monty, CPA/ABV, CFE, CVA, is a co-founder and managing director with Veriti Consulting, LLC, which provides litigation support, business valuation, fraud and forensic accounting services. With more than 19 years of public accounting experience, she was also previously a managing director at American Express Tax and Business Services, Inc. for 12 years. In that position, she served as a testifying expert, consulting expert or project director in fraud detection, forensic analysis, calculation of damages and business valuation matters. Monty received her BS in accounting from Arizona State University (ASU), and has also completed advanced studies in the field of taxation. Monty has also served on the School of Accountancy’s Advisory Board for the W.P. Carey School of Business at ASU.
	Deborah O’Neil, JD, CFP, CLU, joined AXA Equitable Insurance Company in July 1993 after serving in the U.S. Air Force for eight years in Nebraska and Germany. While in Heidelberg, Germany, she received her BS in business management from the University of Maryland, European Division. In May 1994, she earned her JD from the University of Denver, College of Law. O'Neil's positions with AXA have included advanced underwriter, director of advance planning, assistant director, life marketing and estate planning and director, wealth planning team. In her current position, O'Neil is responsible for assisting Paramount Planning Group (PPG) members with advanced planning issues for case design and technical matters.
	Richard A. Oshins, JD, MBA, in taxation, LLM in taxation, is a shareholder of the Las Vegas law firm of Oshins & Associates. Oshins concentrates in tax and estate planning with a substantial emphasis on multi-generational wealth planning, particularly with regard to closely held businesses. He is regarded as one of America’s top estate planning lawyers, advising wealthy clients throughout the United States. Oshins is also an advisor and consultant to many of the largest financial institutions in the United States. He has been listed in both The Best Lawyers in America and Martindale-Hubbell's list of Preeminent Lawyers from their inception and has been honored as a recipient of the “Distinguished Accredited Estate Planner” award by the National Association of Estate Planners & Councils. He received a JD from St. John’s School of Law, holds an MBA in taxation with honors from the University of California at Berkeley and a LL.M degree in taxation with honors from George Washington University School of Law.
	Thomas Petersen, RHU, FLMI, ALHC, HIA, is a senior partner at Petersen International Underwriters, one of the largest underwriting companies of disability insurance, through Lloyd’s. Petersen has an MBA from Pepperdine University, has studied at the UCLA School of Medicine and has developed numerous specialty insurance coverages, including specialty disability and international medical and kidnap insurance. He has been an MDRT, Top of the Table producer twice.
	Phillip D. Rowe, CLU, is chief marketing officer for Niche Marketing, Inc. Niche was co-created by Rowe and Judi Carsrud in 1991 to serve planning professionals with new ideas and the support for welfare benefit plan implementation. Rowe has a substantial financial planning and insurance background, having spent 22 years in the Connecticut General-CIGNA system as the regional manager of one of their most successful sales offices, and has subsequently owned and operated his own financial planning organization. Rowe is a member of The International Forum, has spoken at MDRT meetings and conducts frequent seminars on welfare benefit plans. Rowe is a graduate in economics from the University of California, Santa Barbara.
	Lawrence J. Rybka, JD, CFP, is president and CEO of Securities, Inc. Rybka received his BS in finance from The University of Akron as a university scholar, and his law degree from Wake Forest University. ValMark Securities, a NASD firm, specializes in working with independent wealth transfer firms in 32 states. ValMark’s independently-owned member firms are some of the most productive in the industry averaging $700,000 of commissions. He has authored over a dozen articles in U.S. financial industry publications with three of these articles being awarded the distinction of being technical article of the year by the CFP Board of Standards and the editors of The Journal of Financial Service Professionals. Rybka has also addressed every major financial industry group from the main platform including MDRT Top of the Table, The International Forum and AALU. He has served on the boards of AALU, the MDRT Foundation and the CFP Board of Standards. Last year he was named Financial Executive of the Year by the University of Akron.
	Second City Communications has been performing improvisational sketch comedy in front of audiences for more than 46 years, making it the standard by which comedy and improv in America is judged by. So much talent has come from the ranks of the company’s many theaters over the years, it reads like a who’s who of contemporary American comedy. Some of their most well-known alumni are John Belushi, Gilda Radner, Bill Murray, Dan Aykroyd, John Candy, Mike Meyers, Chris Farley, Tina Fey and Rachel Dratch to name a few. The Second City also works with corporate groups to create a fun, interactive and unconventional approach to training. Working with groups as small as four and as large as 18,000, they have coached the employees of more than 200 Fortune 500 companies.
	Andrew I. Shapiro, CLU, ChFC, is director of special projects for Nationwide Financial Services, Advanced Sales. He began his career as an agent, and after winning two sales awards, directed his energies into developing and educating life insurance professionals. He has worked with several large insurance companies, holding both home office, agency sales and marketing positions. He founded the Life and Health Insurance Department for a large multi-line firm in N.J. and has developed a national reputation for his expertise in business planning and executive benefit planning. Shapiro has been a featured speaker at local, regional and national meetings of insurance companies, broker-dealers and organizations such as The International Association of Financial Planners and the Forum. Shapiro graduated from Long Island University.
	Wesley Sierk, CLU, ChFC, CRIS, is president and lead strategist for Risk Management Advisors, Inc. Sierk is an expert in alternative risk transfer and captive tax law. He works directly with clients to evaluate the many considerations a company must make before electing to form a captive. He has more than 14 years of experience helping highly profitable, closely held businesses limit their risk exposure and taxes through creative business structures, on-shore and off-shore entities and trust arrangements. Sierk works primarily with highly profitable homebuilders, manufacturing companies, real estate developers and sports and entertainment professionals.
	Robert C. Slane, AEP, CLU, is president of The Wealth Transfer Group, Inc., and member-manager of Wealth Transfer Group, LLC in Altamonte Springs, Fla. He is a member of the Society of Financial Service Professionals, Central Florida Estate Planning Council, Central Florida Association of Life Underwriters and The International Forum, where he served as president in 2005. His speaking engagements include the NYU Tax Institute, NADA conference, The International Forum and the 2007 summer ACTEC Estate and Gift Tax Committee. He has appeared on CNBC’s Power Lunch, on National Public Radio Marketwatch and been quoted in the New York Times, Wall Street Journal, Trusts and Estates magazine and Bloomberg Wealth Manager magazine. Slane was granted a patent for a tax strategy involving non-qualified stock options by the U.S. Patent office in 2003. This was the first patent ever issued on a tax strategy.
	Henry Smith, JD, is a partner of Smith & Downey, a law firm with a national practice concentrating in employee benefits, executive compensation and labor and employment law. Smith advises for-profit, tax-exempt, governmental and church-related employers of all sizes, in all industries and in all areas of the country, concerning the full range of employee benefit and executive compensation issues. Smith received his BA in political science, magna cum laude, from Frostburg State College, master's degree from the Johns Hopkins University and JD from the University of Maryland School of Law, where he graduated with honors and was selected to the Order of the Coif. Smith is a member of the Maryland and District of Columbia bars.
	Warren Steinborn of Warren Steinborn Associates is a registered investment advisor. He is a leading life insurance producer and one of the industry’s foremost experts on qualified plan marketing. As a consultant to Aviva Life Insurance Company, Steinborn currently shares that expertise with producers in the indexed life market. He founded Warren Steinborn Associates in 1968 as an employee benefits consulting firm. Today, WSI, Inc., and WSA Pension Services, Inc. provide insurance, investment and pension services for employers and individuals alike. He is also a founding partner and chairman of National Partners Group, an insurance marketing organization specializing in providing personal life insurance for the affluent client, working in conjunction with qualified plan administrators. Steinborn is a graduate of Southern Illinois University and a member of The International Forum and the American Society of Pension Actuaries.
	Jim Stovall is president of the Emmy Award-winning Narrative Television Network (NTN). He is also a National Olympic weightlifting champion and a highly sought after author and platform speaker. He is the author of the best selling book, The Ultimate Gift, which is now a major motion picture starring James Garner and Abigail Breslin. Steve Forbes, president and CEO of Forbes magazine, says, “Jim Stovall is one of the most extraordinary men of our era.” For his work in making television accessible to our nation’s 13 million blind and visually impaired people, The President’s Committee on Equal Opportunity selected Stovall as the Entrepreneur of the Year. He was also chosen as the International Humanitarian of the Year, joining Jimmy Carter, Nancy Reagan and Mother Teresa as recipients of this honor.
	Mark A. Teitelbaum, JD, CLU, ChFC, joined AXA Equitable in June 2006 to manage the advanced markets and marketing efforts of AXA Distributors – Life Division. Additionally, he is one of the attorneys responsible for handling field calls in the areas of business, estate and retirement planning. His primary focus, however, is in developing sales tools and marketing campaigns to position AXA Equitable’s life products in independent distribution channels. Prior to joining AXA Equitable, Teitelbaum was vice president of advanced sales at MetLife Investors and second vice president of advanced marketing at Travelers Life & Annuity. In those roles he primarily focused on developing sales tools to help integrate client-based approaches with proprietary life insurance illustration systems. Teitelbaum is a graduate of Kenyon College and obtained his JD and LL.M. at both Ohio Northern University and Boston University.
	Henry Whiffen, MSFS, CFP®, CLU, ChFC, AEP, CAP, of The Estate Advisory Group, has worked with hundreds of very wealthy clients (now ranging from $50 million to over $1 billion net-worth) throughout the U.S. With his advanced planning and specialized software, Whiffen has saved billions in taxes and raised more than $2 billion for charity from his clients. He currently (along with two tax attorneys) is writing a book on that process, Advanced Estate Planning for Multi-Millionaires. He has spoken six times at MDRT (main platform in 1982), AALU, The International Forum and Top of the Table.
	John P. White, MBA, CPA/AVB, CFE, CBA, ASA, is a co-founder and principal of Veriti Consulting LLC, which provides litigation support, business valuation and forensic accounting services. Previously, White was a founder and managing director of White Giordano & Associates Ltd., a Scottsdale, Ariz. based business valuation, litigation support, consulting and CPA firm. He has also led the business valuation practice of Henry & Horne, P.L.C., the largest Arizona-based CPA firm, and he worked with Spinelli Corporation in business valuation, litigation support and forensic accounting. White received his MBA and BS in accounting from Radford University. He also completed advanced graduate studies in accounting at Virginia Tech.

	Christofer C. Ashby, Ph.D., is a co-founder and managing member of Premium Funding Group, LLC. He has more than 18 years of experience in financial and operational management, mergers & acquisitions and business development in the telecommunication, banking, shipping and insurance sectors. As an executive consultant with Ernst & Young's Privatization and Utilities Group in Central Eastern Europe, he led large-scale privatization engagements on behalf of The World Bank, Nomura Securities, Maersk Lines and General Electric among others. During his tenure with Deloitte & Touche, he specialized in mergers and acquisitions and private equity finance in emerging markets. Ashby is a licensed life and accident/health broker.
	Kathleen R. Barrow, Esq., MBA, SPHR, is president and chief counsel for Millennium Marketing Group, LLC. Barrow is an Oklahoma and Texas-licensed attorney who has represented corporations, municipalities and other entities in the areas of healthcare employment, employee benefits and federal employment law. Barrow often authors articles, trains business managers and supervisors in ERISA/tax issues, federal labor and employment law compliance, workplace investigations and progressive discipline procedures. Barrow served as litigation defense counsel for various private corporate and public entities, including United Parcel Service, Halliburton Company and Seagate Technologies. Barrow earned her MBA from the Oklahoma City University and her JD from the University of Oklahoma, College of Law, both with high honors.
	Jeff Blackman is a speaker, author, success coach, broadcast personality and lawyer.  He heads a results-producing business-growth firm in the Chicagoland area.  His clients call him, a "business-growth specialist."   For over two decades, Jeff has shared his positive and profit-producing messages with Fortune 500 companies, closely-held businesses and entrepreneurial-driven organizations.  Jeff is also a Contributing Editor to numerous magazines and newspapers, and he has authored several books, as well as, audio and video business-growth tools.
	J. David Briggs is a native of New York state, graduated from the University of Denver and has been in the financial services and life insurance industries since 1974. In 1987, Briggs formed the Colorado Financial Group. Briggs' honors include life and qualifying status 25 times in the Million Dollar Round Table, Court of the Round Table qualifications since 1989 and Top of the Table qualifications since 1995. He has also qualified for The International Forum since 1991. Briggs received the Colorado Springs General Agents and Management Association Distinguished Life Underwriter Award. Briggs is a frequent speaker for industry organizations on the subject of business and estate planning.
	Lawrence Brody is a partner of Bryan Cave LLP, an international law firm. Brody is the leader of its Private Client Service Group and is a member of its Entrepreneurial, Technology & Commercial Practice Client Service Group. He is an adjunct professor at Washington University School of Law, a visiting adjunct professor at the University of Miami Law School and is the author of numerous articles and books on the use of life insurance in estate planning. Brody is a member of The American College of Trust and Estate Counsel (ACTEC) and The American College of Tax Counsel. He received the designation of Accredited Estate Planner by the National Association of Estate Planners and Councils, and was awarded its Distinguished Accredited Estate Planner designation in 2004.
	Alan H. Buerger is co-founder and CEO of Coventry First, a leader in the secondary market for life insurance. Under Buerger’s leadership, Coventry First has transformed the life insurance industry by giving consumers the opportunity to sell unwanted or underperforming insurance products in a free market setting. Coventry’s efforts have enabled policy owners to receive more than $500 million over cash surrender value for their life insurance products that are underperforming or no longer needed. For more than 30 years Buerger has been in the forefront of the life insurance industry. Buerger is a regular speaker at top industry conferences and roundtables including the NYU Tax institute, the Conference and Consulting Actuaries, LIMRA, Top of the Table, AALU, The International Forum, NAILBA, The Federalist Society and the Manhattan Institute.
	Thomas F. Commito, JD, LLM, CLU, ChFC, is senior tax advisor in Lincoln Financial Distributors' RSM/Advanced Sales Channel, where he works with producers to increase their existing business. Commito is a graduate of Cornell University (BA), Boston College Law School (JD) and Boston University Law School (LLM -Taxation). He is admitted to practice law in Vermont and Massachusetts. Since 2001, he has written annually the Life Insurance Section for NYU Review of Employee Benefits and Executive Compensation published by Lexis/Nexis. Commito has published two books, Working with FLPs and LLCs: A Practitioners Guide and Comprehensive Buy-Sell Agreements. He has published more than 100 articles in journals such as Journal of American Society of Financial Society Professionals.
	Dennis A. Cunning, CPA, retired, is founder and president of Pension Professionals of America, Inc., an NFP company. He is a member of Million Dollar Round Table, Court of the Table, Top of the Table, The International Forum and AALU. He specializes in retirement planning, asset protection and wealth transfer with an emphasis on exit strategies from qualified plans. Cunning has worked in the retirement and estate planning area for over 30 years. A CPA practicing public accounting in Oregon for over 25 years, Cunning retired his certificate from active public practice in 1996. He now focuses on retirement, estate and charitable gift planning for privately held businesses, high net-worth individuals and professionals. He works with accountants, investment advisors, life insurance agents, attorneys and other client advisors in designing and implementing pension plans and planned gift strategies.
	Dean De Marco is co-founder and a managing member of Premium Funding Group LLC. Prior to joining PFG, De Marco was with American International Group, Inc. for 17 years in various management positions. Most recently, he was an executive vice president for A.I. Credit Corp., an AIG subsidiary responsible for making insurance premium and other insurance related commercial loans. De Marco headed up A.I. Credit’s Business Development, maintenance and management of its industry-leading life insurance premium financing program. De Marco began his career at Manufacturers Hanover Leasing Company as a staff accountant. He graduated from Dowling College with a BBA in accounting in 1984 and holds a diploma in financial management from New York University.
	Jim Ferrell is managing director of The Arbinger Institute, a management consulting firm and scholarly consortium that is the world's pioneer in the area of "self-deception" and its relevance to organizations. Ferrell has degrees in economics and philosophy and is a graduate of Yale Law School. He is a member of the California Bar and joined Arbinger as managing director in 1996. He is a best-selling author and has written several books about Arbinger's material, including books about its application to business, leadership, peacemaking, intervention, teaching, counseling and family life. He has taught and consulted around these ideas with leaders of corporations, governments and organizations of all kinds throughout the world.
	Alfred A. Gelfond is president of Alfred A. Gelfond & Co., an organization specializing in employee benefits, insurance and estate planning for 49 years. He is founder and member of Hemisphere Life and Group, an agent-owned re-insurance company that was acquired by National Financial Partners. Gelfond is a member of The International Forum and serves on the Board of Directors, as well as the Top of the Table. Gelfond is also past president of New England Life Leaders Association, Tri-County Estate Planning Council, Central New Jersey Life Underwriters Association and serves on the board of directors of several religious and charitable institutions. He is a graduate of the University of Missouri.
	Hank George is invasive to underwriting. He created its journal, seminar program, world congress, four study groups and four associations; published 150 articles and papers, addressed Million Dollar Round Table three times and Top of the Table twice. All of these accomplishments were completed while writing publications, creating 35 Society of Actuaries events, educating globally and co-authoring two books.
	Julius H. Giarmarco, Esq., is a partner in the law firm of Cox, Hodgman, & Giarmarco, P.C., in Troy, Mich., where he heads up the firm's 15-person Estate Planning Division. Giarmarco lectures on a national basis, including speeches before The International Forum, the Association for Advanced Life Underwriting (AALU) and numerous life insurance companies, brokerage firms and trade associations.
	Joshua Gottlieb has been a licensed life insurance agent for over 30 years, specializing in the creation and development of financial products and services within executive compensation and benefit plans. Gottlieb has become an industry leader in devising proprietary products and marketing and sales techniques in the benefits finance arena. He owns and operates several companies that provide specialized services in this arena, which have underwritten permanent life insurance coverage of more than $3 billion, with more than $300 million of life insurance premiums. Gottlieb has been a member of the Cleveland and Ohio Association of Life Underwriters, AALU, NAIFA, the Million Dollar Round Table, the Court of the Table, the Top of the Table and The International Forum.
	Lawrence L. Grypp is president and CEO of Columbus Life Insurance Company, a member of The Western & Southern Financial Group in Cincinnati. Prior to joining Columbus Life, he served for over 25 years in the financial services industry, most recently as president and CEO of Summit Financial Resources, Inc. in Parsippany, N.J. Grypp was associated with MassMutual Financial Group for over 20 years, concluding his tenure as executive vice president, leading the four core businesses at MassMutual. Grypp graduated from Western Illinois University and completed the executive program at Dartmouth College in 1994. Grypp is a member of LIMRA’s Strategic Marketing Issues Committee, a life member of the Million Dollar Round Table and a member of the World Presidents Organization (WPO).
	Thomas J. Handler, JD, PC, is managing principal and chairman, Advanced Planning & Family Office Practice Group at Handler, Thayer & Duggan, LLC. His primary area of expertise involves the analysis and structuring of complex business enterprises and estate plans and handling the related tax planning issues. Such planning often involves the interplay of income tax, estate tax, executive benefits and financial matters. In this regard, Handler is particularly experienced in dealing with business owners, directors, executives, professional athletes, celebrities and family offices. He has extensive experience in analysis, design and implementation of domestic and international business planning, financial and estate planning and advanced tax planning strategies. Handler has lectured extensively both nationally and internationally at professional and family office educational conferences.
	Kenneth R. Hartstein is president and chief operating officer of Economic Concepts, Inc. (ECI) in Scottsdale, Ariz. Hartstein earned his B.S. in finance from Long Island University. From 1968 to 1980, he was a partner in an east coast firm doing financial planning and pension plan consulting. In 1980, he moved to Phoenix as a principal in both investment and retirement systems and actuarial and administrative services (AAS). ECI is a product marketing and pension consulting firm formed in 1991. Hartstein’s principal area of expertise is in qualified plans, and over the years he has designed and successfully marketed tax advantaged programs used to assist clients in minimizing their business pretax profits. Hartstein is a member of MDRT's Top of the Table and is a member of and serves on the Board of Directors of The International Forum.
	Charles D. Hollander is president of Applied Strategies & Counsel, Inc., creator of The Performance School and author of How to Escape from Alcatraz. The concepts that led to the formation of ASC and the creation of The Performance School have evolved over the course of an 18-year career in the industry. Most recently the company has grown from providing comprehensive client advice to providing practice management coaching to young advisors and enjoying the value of sharing expertise with other professionals. The ASC Group and The Performance School are the latest milestones in this progression.
	Richard D. Landsberg, JD, LLM, CLU, ChFC, RFC, APM, AIF, is director of advanced sales with Nationwide Financial Services at its world headquarters in Columbus, Ohio. Landsberg's expertise focuses on executive benefits, employee benefits and investment advisory services. He received both his BA and JD from the University of Tulsa. Landsberg is active in professional organizations such as the American Bar Association's Section of Labor & Employment Law. Academically, he has taught financial planning at Purdue University and ERISA & employee benefits at the University of Iowa College of Law. A writer and commentator on industry activities, Landsberg serves on numerous Editorial Boards, one being the Journal of Deferred Compensation. He is a political advocate for the financial services industry. He has served as a legislative liaison for ASPPA. Landsberg has lectured before state bar associations, accounting societies, banking organizations and life underwriter associations.
	Patrick A. Lang, JD, CLU, ChFC, CFP, CFS, FLMI, is a vice president of advanced sales-case support. Lang began his career as a home office underwriter. After law school he served in several advanced marketing positions before joining Chubb Life in 1990 as director of advanced marketing. He was promoted to assistant vice president in 1991 and made vice president 1995. Now a part of Jefferson Pilot Financial, Lang's responsibilities include advanced market support for JP's producers in the areas of estate and business planning and charitable giving. Lang holds a bachelor of business administration degree (cum laude) from the University of Massachusetts, a MBA and JD from Western New England College.
	Leon L. Levy, CLU, RHU, is celebrating his 50th year in the life insurance industry and has provided excellent service and quality products throughout his career. In 1972, Levy started his own agency, Leon L. Levy & Associates. In that same year, he joined the Phoenix Life Insurance Company and was awarded the distinctive rank of company leader. He has repeated that performance 23 times. In recognition of his work, Phoenix recently established the Leon L. Levy Award. In 2000, he was named agent of the decade. Levy is a generalist in the life and health insurance industry. He is sought after as a speaker in addition to teaching at seminars and sales congress. Memberships include the Million Dollar Round Table, Top of the Table and The International Forum.
	Michael Lloyd is one of the founding partners of Williams Coulson and the head of its ERISA Department. Williams Coulson is a Pittsburgh-based firm which concentrates its practice in estate, business, tax and retirement planning services. After earning both a BA in political science and a JD from University of Pittsburgh, Lloyd graduated with distinction with a masters in laws of taxation from Georgetown University Law Center. Lloyd was a senior tax attorney for the office of the Associate Chief Counsel, Employee Benefits and Exempt Organizations, Internal Revenue Service, Washington, D.C. At the IRS he worked primarily in the areas of executive compensation and qualified plans. He was the docket attorney of the Code Section 401 (a)(26) Regulations Project and a member of the group of attorneys responsible for drafting the Code Section 401 (a)(4) Nondiscrimination Regulations.
	Michael L. Millman is the founder of Michael L. Millman, Ltd. Prior to founding his own company in 1994, Millman was principal in the firm of T.R. Paul, Inc. for 13 years. Over the past 30 years, he has assisted more than 70 public companies and institutions as well as hundreds of closely held businesses in developing supplemental and non-qualified programs. Millman is a 1968 graduate of the University of Rhode Island and earned his MBA from Pace University in 1973.
	Maggie Mitchell, JD, CLU, ChFC, is vice president of advanced markets for ING, where she is responsible for development and delivery of advanced sales strategies for ING's National Sales Support Team. Mitchell received a BA from the University of San Diego and JD from Thomas Jefferson School of Law. She is member of the California and Arizona State bars, the LIMRA Advanced Sales Committee and also holds a Series 7 securities license. Mitchell has published numerous articles in national publications and is a frequent speaker at life insurance and financial services industry meetings, where she has a reputation for utilizing creativity, ingenuity and simplicity to explain complex planning strategies.
	Richard A. Oshins Esq., is a shareholder of the Las Vegas law firm of Oshins & Associates where he concentrates in tax and estate planning with a substantial emphasis on multi-generational wealth planning. Oshins is regarded as one of America's top estate planning lawyers advising wealthy clients throughout the United States. Oshins is also an advisor and consultant to many of the largest financial institutions in the United States. He has been listed in both The Best Lawyers in America and Martindale-Hubbell's list of Preeminent Lawyers from their inception. Prior to coming to Nevada, Oshins served as a law clerk for the United States Court of Claims in Washington, D.C. and as an attorney-advisor in the Office of Tax Legislative Counsel, U.S. Treasury Department in Washington, D.C.
	Albert W. Papa, CLU, ChFC, is chairman and chief executive officer of Cambridge Financial Services, Inc. Cambridge is a financial services firm specializing in estate and financial planning for high net-worth individuals and business continuation planning for institutional, public and privately held companies in the Midwest, New York, Florida and California. In 2003, Papa became the managing director of the Paramount Planning Group at AXA Equitable, a hybrid producer group, which is a wholly owned subsidiary of AXA Advisors, LLC. Papa has published several articles and given seminars on exit strategies, estate planning and developing a professional practice at conferences nationwide. He was the main platform speaker at the AALU. Alongside FOX News Networks' Stuart Vareny, Papa spoke about estate planning issues on a broadcast to the National Bar Association.
	Robert B. Ritter Jr., chairman/CEO of InsMark, has been in life insurance sales and sales management for over four decades. A former general agent for Mass Mutual in New York City, Ritter formed InsMark, a company dedicated to producing transferable marketing techniques for a wider group of producers. The success of InsMark has been phenomenal as 150+ companies have sponsored InsMark products utilized by over 30,000 producers. Ritter is a life member of MART and was a qualifier for Top of the Table and The International Forum until the growth of InsMark required all of his time.
	Michael T. Rodman, CFP, is president of Advanced Planning Services, Inc. (APS). APS offers value added consulting on the more complex advanced planning techniques that financial professionals consider using. Rodman graduated from the University of Notre Dame and is a member of The International Forum.
	Stephen O. Rothschild CLU, ChFC, CRC, RFC, is a national expert in wealth accumulation and transfer, providing advanced estate planning and business continuity strategies for successful entrepreneurs and their professional advisors. Rothschild is president of Rothschild & Sale, a St. Louis wealth planning firm. Rothschild is president of the Million Dollar Round Table, a member of the Association for Advanced Life Underwriters and on the advisory board for Trusts & Estates magazine. He was past president of both Estate Planning Council Chapter and Financial Planning Association of St. Louis. A renowned international speaker, Rothschild is known for lectures to attorneys, accountants and financial service professionals about advanced and creative estate planning and business continuity strategies.
	Albert J. "Bud" Schiff is chief executive officer of NYLEX Benefits LLC, a company specializing in the design, implementation, financing and ongoing administrative support of supplemental executive benefits programs. Prior to NYLEX, Schiff served as president and chief executive officer of Clark/Bardes Partners. Prior to that, he retired as senior executive vice president and a member of the board of trustees of the Mutual Life Insurance Company of New York (MONY). Schiff is a graduate of the University of North Carolina at Chapel Hill, and has earned the Pension Actuary (MSPA), Chartered Life Underwriter (CLU), and Accredited Estate Planner (AEP) professional designations. In addition, Schiff has served in numerous insurance industry leadership roles including, but not limited to, AALU and Million Dollar Round Table Top of the Table.
	John J. "Jack" Scott is the chairman of the board of Comprehensive Integrated Planning, Inc (CIF). Scott has developed a very sophisticated and proprietary math modeling software system. This system helps families reduce their estate and income tax liabilities. Scott was past president and a charter member of RADA, a national organization of 47 independent employee benefit firms located in 27 states. He was recently a board member of The International Forum and has given seminars for more than 600 professional advisors, CPAs, attorneys and financial planners. He has been a Top of the Table member for 23 years and is a lifetime member of the Million Dollar Round Table. Scott has spoken extensively to MDRT, Top of the Table, The International Forum and AALU.
	Egil Stigum, CLU, was born and primary school educated in Oslo, Norway. Stigum arrived in America on a student VISA and $90. Stigum earned his bachelor of arts in geography from Dartmouth College in 1956 along with earning All American in skiing and soccer. Stigum's MBA was earned at Amos Tuck School of Business Administration 1959. Stigum worked in public accounting 1959 through 1965 and received CPA designation in 1962. His career in life insurance began in 1965. His personal accomplishments include the Five Million Dollar Forum, Top of the Table, Director of the New England CLU conference board and earning the Mass Mutual Agent of the Year, twice.
	John Stossel is co-anchor/correspondent for 20/20andanchor/correspondent for The John Stossel Specials. Stossel is an award-winning news correspondent and was named co-anchor of ABC News 20/20 in May 2003. He joined the highly acclaimed newsmagazine in 1981.Stossel is featured in a weekly segment entitled Give Me a Break. These short commentaries take a skeptical look at a wide array of issues, from pop culture controversies to censorship and government regulations. Stossel has received 19 Emmy Awards. He has been honored five times for excellence in consumer reporting by the National Press Club and won the George Polk Award for Outstanding Local Reporting and the George Foster Peabody Award. In his early years at ABC, Stossel was consumer editor at Good Morning America. Prior to that, he was a consumer reporter at WCBS-TV in New York City. Stossel began as a researcher for KGW-TV in Portland, Ore. Stossel is a 1969 graduate of Princeton University, with a bachelor of arts in psychology.
	Robert K. Strauss, JD, is the founder and CEO of Emerging Money Corporation. He is an honors graduate of the Wharton School of Finance at the University of Pennsylvania and the Boston University School of Law. Strauss is admitted to practice law in New York and Connecticut.
	Dan Sullivan is the founder and president of The Strategic Coach Inc. and the creator of The Strategic Coach® program. Since its inception in 1988, this lifetime focusing program has helped accomplished entrepreneurs to reach new heights of success and happiness. Sullivan has over 30 years of experience as a highly regarded speaker, consultant, strategic planner and coach to entrepreneurial individuals and groups. Over the past 16 years, The Strategic Coach has helped over 10,000 entrepreneurs in 60 different industries to simplify their lives, focus their unique ability, develop their organizations and expand their success in the marketplace. A sought-after speaker, Sullivan is the author of over 40 publications, with a reading and listening audience of over 100,000 individuals.
	Sharon M. Theall is president of Strategic Management Advisors, Inc. Theall assists independent marketing organizations and financial service companies in strategic growth initiatives, operations and project management. She served as the senior advisor to the Board of Directors for The Hemisphere Group (1999-2000), served as executive director, leading the organization’s negotiated acquisition by National Financial Partners and its subsequent management transition. Theall also worked with BancBoston Executive Benefits, LLC in joint venture with William J. Lynch and Associates as managing director. During this time the firm achieved $46 million of new premiums.
	Henry Whiffen, chairman and founder of The Estate Advisory Group, is a wealth preservation strategist with more than 40 years of experience. His current focus is on consulting with charities and attorneys, CPAs, banks, insurance and financial advisors to assist them in providing advanced estate planning for their high net-worth clients. As a result of Whiffen's planning recommendations, his clients have donated or made plans to donate more than $1.5 billion to charities. He has a bachelor's degree in business and accounting and a masters degree in financial services. He has also completed post-graduate studies in tax, estate planning, business finance and economics.
	Andrew J. Willms is the founding shareholder of Willms Anderson, S.C. Willms practices in the areas of estate planning, probate, corporate law and taxation law. He has assisted his clients with all aspects of estate and retirement planning, including estate tax planning, insurance and retirement planning, corporate succession, the use of living trusts, protecting assets from creditor claims, probate and probate-related litigation. Willms is licensed to practice law in Wisconsin and Florida. He received his bachelor of arts degree, magna cum laude, from the University of Wisconsin-Milwaukee School of Business in 1984, and both his juris doctorate, cum laude, and master of laws degree in estate planning from the University of Miami College of Law in 1985. Willms is the author of numerous publications on estate planning, retirement planning and martial property law.
	Teague Wright is highly regarded throughout the independent life distribution industry for her unparalleled effectiveness, based on a high level of integrity, persistence and expertise. Currently focused on strengthening BISYS Insurance Services' Potomac platform in the high-net-worth marketplace, she is developing new business using her unique ability in the underwriting arena. She is committed to providing insurance agents with a distinct competitive edge. Throughout her career, Teague has cultivated the trust of leading carriers, while demonstrating an in-depth understanding of the specific challenges that producers face. Wright held the position of executive vice president with Ash Brokerage and before that a pivotal role in her career as the vice president of underwriting with a heavy emphasis on business development for National Financial Partners, where she built NFP's underwriting advocacy program. She also worked for BISYS for six years, where she served as Director of the Major Case division. Wright received her bachelor’s degree from Pennsylvania State University.

New Technologies and Strategies in Premium Financing
Christofer C. Ashby, Premium Funding Group LLC
Dean J. De Marco, Premium Funding Group LLC

22 Keys to Sales Success
James M. Benson, John Hancock Life Insurance Company

Using Tactical Asset Allocation to Manage Assets in Estate Planning
Bret Berg, Nationwide Financial

Sales Ideas - Life Settlements
The Secondary Market for Life Insurance: New Nonforfeiture Values
Alan H. Buerger, Coventry First

New Frontiers That Change Everything
Lowell Catlett, New Mexico State University

100 Best (and Worst) Planning Ideas for Retirement Benefits
Case Studies in Estate Planning for Retirement Benefits: What to Do in Real Life
Natalie B. Choate, Bingham McCutchen

Charity or Investor Owned Life Insurance: Is It Good, or Dangerous, For Our Industry?
Gus Comiskey, AALU
Fred Goldberg, Skadden, Arps, Slate, Meagher, & Flom, LLP
Ken Kies, AALU
Joe Mikrut, Capitol Tax Partners

Capital Asset Transfer Techniques Using Life Insurance
Dale K. Edwards, Agilis Benefits Services

Expert Attorney Panel
Chris Erblich, Husch & Eppenberger, LLC
Thomas J. Handler, Esq., Handler, Thayer & Duggan, LLC
Art Sederbaum, Patterson, Belknap, Webb & Tyler LLP

Exit Strategies for Premium Financing
Chris Erblich, Husch & Eppenberger, LLC
Dennis Roberts and Jay L. Thacker, CFP, AIG American General Affluent and Corporate Markets Group

Annuities: Their Role in Financial Planning
Rao Garuda, CLU, ChFC, First Financial Resources

Nutrition Performance and the Fitness Journey
Philip Goglia, PhD, PFC Nutrition

The Importance of Raising National Saving
The Honorable Dr. Edward M. Gramlich, Board of Governors of the Federal Reserve System

They're Back: Using Valuation Discount Entities to Sell Life Insurance
Lance S. Hall, ASA, FMV Opinions, Inc.

Assessing the Multi-Family Office Alternative
Financial Families and Financial Services: Tying the Gordian Knot
Sara Hamilton, Family Office Exchange LLC

Advanced Estate Planning
Basic Estate Planning
Thomas J. Handler, Esq., Handler, Thayer & Duggan, LLC

Trust Owned Life Insurance - Professional Analysis and Review
Lisa Harmon, JD, CLU, ChFC, Jefferson Pilot Financial

Sales Ideas - Qualified Plans: Big Ticket Sales
Kenneth R. Hartstein, Economic Concepts, Inc.

Agent Litigation Experiences
Richard S. Bernstein, Richard S. Bernstein & Associates, Inc.
Amy Holmwood, HK Ventures, LLC

Investing with Variable Annuities
John Huggard, Huggard, Obiol and Blake, PLLC

Regulatory and Risk Management Issues in CPA Alliance Programs
Steve Insel, JD, Jeffer, Mangels, Butler & Marmaro, LLP

What Does Your Insurance and Broker Dealer Contract Really Say?
Theodore Jacobs, CLU, ChFC, Jacobs & Associates, Inc.

Advance and Creative Estate Planning (with a Modern Corporate Trustee) in an Uncertain Tax and Economic Environment
Al W. King III, JD, LLM, South Dakota Trust Company, LLC

419(f)(6) Multiple Employer Welfare Trusts - The New Generation of Survivors
Michael E. Lloyd, William Coulson

Funding & Securing Non-Qualified Benefits
William L. MacDonald, Retirement Capital Group, Inc.

Advanced Planning Strategies Within the Competitive World of Premium Financing
Scott McVicker, CPA, CFP, Capital Management Strategies, Inc.
John A. Oliver, CLU, ChFC, Transamerica Occidental Life Insurance Company

Business Disability Insurance: The Creative Side to Financial Planning
Thomas R. Petersen, RHU, HIA, ALHC, FLMI, Petersen International Underwriters

Our Children Are Being Killed, and You Can Do Something About It.
Larry Plotkin, The Advisor Consulting Group

Sales Ideas - Annuities
Douglas Price, Zenith Marketing Group

Human Life Valuation
Mike Rodman, Advanced Planning Services, Inc.

Long Term Care, An Inside Story
Barbara Shyloski

Charitable Remainder Trusts - Latest Tax and Estate Planning Strategies
Publicly Supported Charities, Private Foundations and Everything in Between: Talking - and Understanding - the Talk
Conrad Teitell, Cummings & Lockwood

The Current State of Section 79, 419, and 412i Plans
Stephen P. Toth, CLU, ChFC, National Pension Associates

Life Insurance Planning: Think Bigger
Sales Ideas - General Life
Howard Wight, Howard Wight Seminars

Estate Planning Case Study
Jason H. Kurchner, Sage Consulting & Wealth Preservation, Inc.
Henry Whiffen