Board of Advisors

Lawrence Brody, Esq. Bryan Cave LLP; 211 North Broadway, Suite 3600; St. Louis, MO 63102-2733 Phone: 314-259-2000; Fax: 3l4-259-2020; Email: lbrody@bryancave.com Lawrence Brody is a partner in both the Private Client and Private Business and Commercial Practice Client Service Groups of Bryan Cave LLP, an international law firm. Mr. Brody is a resident in the St. Louis office. He is an adjunct professor at Washington University School of Law, teaching estate planning and drafting, and is a frequent lecturer and the author or co-author of numerous articles and books on the use of life insurance in estate and employee benefit planning. Mr. Brody is a mem-ber of The American College of Trust and Estate Counsel (ACTEC) and The American College of Tax Counsel, and is a frequent participant at ALI-ABA programs and the Society of Financial Service Professionals’ programs and teleconferences. He is a member of the Advisory Committee for the Philip E. Heckerling Institute on Estate Planning of the University of Miami School of Law.

Natalie B. Choate, Esq. Bingham Dana LLP; 150 Federal Street; Boston, MA 02110 Phone: 617-951-8925; Fax: 617-951-8736; Email: nchoate@compuserve.com Natalie Choate is Of Counsel with the law firm of Bingham Dana, LLP, specializing in estate planning with a concentration in estate planning for retirement benefits. She is the founder and former chair of the Boston Bar Association’s Estate Planning Committee. A fellow of The American College of Trust and Estate Counsel, Chaote was named 1997 “Estate Planner of the Year” by the Boston Estate Planning Council and is listed in “The Best Lawyers in America.” She is the author of the book, Life and Death Planning for Retirement Benefits, which has sold over 7,000 copies. Her other publications include arti-cles for ACTEC Notes, Estate Planning magazine, Tax Practitioners Journal, and Tax Management. She has also taught professional-level courses in estate planning for ALI-ABA, The American College of Trust and Estate Council, IAFP, and the Boston and Massachusetts Bar Associations. She has spoken at the Heckerling Institute on Estate Planning, and her comments on estate and retirement planning have been quoted in the Wall Street Journal, Newsweek, Forbes, and Kiplinger’s Personal Finance.

Terri L. Getman, JD, CLU, ChFC Prudential; 3033 Campus Drive, 5A; Plymouth, MN 55441 Phone: 612-557-3943; Fax: 612-557-4084; Email: terri.getman@prudential.com Terri Getman received her undergraduate degree from the College of William and Mary and her law degree from Drake Law School. Since completing law school, Getman has been active in the financial services industry. She is an active member of the Society of Financial Service Professionals, both nationally and locally. A past member of the Society’s national board of directors, she is cur-rently active with the Professional Development Committee. Getman is a frequent speaker at indus-try meetings on advance marketing concepts, and has been listed in Who’s Who Among Young American Professionals and Who’s Who in the Midwest.

Morton P. Greenberg, JD, CLU Life Settlement Broker; PO Box 183; 7617 East Sunrise Trail; Parker, CO 80134 Phone: 303-841-0891/888-227-5605; Fax: 303-841-2901; Email: mpgjd@aol.com Mort Greenberg is a Life Settlement Broker, nationally representing purchasers funded by financial institutions. He specializes in Life Settlements and is recognized both as an expert and pioneer in this emerging field. His articles on the subject have appeared in publications including Estate Planning and The Colorado Lawyer. For a number of years he was the director, counsel/consultant for advanced underwriting for Manulife Financial. He is listed in Who’s Who in America. Mort's more than 700 speaking engagements at meetings and institutes in almost every major city in the United States include AALU, the International Forum and Top of the Table. He is responsible for the “Greenberg to Greenberg” letter that established the generally accepted method used to calculate the economic benefit (PS-38 Rates) arising from second-to-die (survivorship) split dollar insurance arrangements.

Thomas B. Higgins, CLU National Life Insurance Company; National Life Drive; Montpelier, VT 05604 Phone: 802-229-3799; Fax: 802-229-7000; Email: HigginsTom@nlvmail.com Tom Higgins, a graduate of St. Peter’s College, provides consulting services to National Life for pen-sion marketing strategies. He also conducts seminars on pension-related topics. Tom joined National Life in 1978 and was serving as director of retirement planning when he retired from the company in 1997. He formed his own firm, Creative Pension Concepts, Inc., in 1998 to offer pen-sion consulting services to other insurance companies and financial services professionals. An expert in pension design, he is often a speaker on pension topics before groups of accountants and attorneys. He has been a featured speaker at the Purdue University Pension and Profit Sharing Institute as well as at annual meetings of the Association for Advanced Life Underwriting (AALU) and the American Society of Pension Actuaries (ASPA). Tom has served as a faculty member for several CLU Institutes as well as at a National CLU Teleconference on retirement planning. Most recently, he spoke before several meetings of the Society of Financial Service Professionals, includ-ing the 1998 Keeping Current meeting on “Retirement Planning In Depth.”

JJ MacNab, CLU, CFP Insurance Barometer LLC; 9224 Quintana Drive; Bethesda, MD 20817 Phone: 301-767-1085; Email: jj@deathandtaxes.com JJ MacNab is a graduate of the University of California at Berkeley and has thirteen years of experience in the financial services industry. She specializes in fee-based insurance analysis and advanced charita-ble, estate, and tax planning for high net worth individuals, trustees, corporations, and professional advisers. She provides forensic research for litigators, and prepares advanced due diligence and due care reports for large corporate and personal insurance cases. MacNab is the contributing editor of the Insurance Perspectives newsletter and has published numerous articles in Planned Giving Today, CA Trusts & Estates Quarterly, Journal of Planned Giving, and other charitable and insurance related publications. She is frequently quoted in such national publications as Fortune, Forbes, the Wall Street Journal, Chronicle of Philanthropy, Journal of Financial Planning, and Dow Jones Investment Advisor.

Alan J. Mittelman, JD, CLU Spector Gadon & Rosen; 1635 Market Street, 7th Floor; Philadelphia, PA 19103-2217 Phone: 215-241-8912; Fax: 215-241-8844; Email: ajmitt@aol.com Alan Mittelman is a shareholder in the law firm of Spector Gadon & Rosen, where he serves as chair of the Estate Planning and Administration Department. He is a frequent speaker for the Society of Financial Service Professionals and has also spoken for MDRT, AALU and the American Bar Association’s Real Property & Probate Section Annual Estate Planning Symposium. Mittelman has writ-ten numerous articles on estate planning topics for publications such as the Estate Planning Journal and the Journal of Financial Service Professionals. A graduate of Pennsylvania State University, Mittelman received his MBA from New York University and his law degree from Temple University. He serves as an adjunct professor for Temple Law School and for The American College’s MSFS program. Mittelman is the 1999-2000 president of the Philadelphia Chapter of the Society of Financial Service Professionals, a member of the Equitable Life Hall of Fame, and was formerly a Life Member of MDRT.

Louis R. Richey, JD Magner Financial Internetwork; One Buckhead Plaza, 19th Floor; 3060 Peachtree Road, NW; Atlanta, GA 30305 Phone: 404-266-1361; Fax: 404-266-1363; Email: LRR@Magner.net Louis Richey, a principal of Magner Financial Internetwork in Atlanta, is known as a financial prod-ucts and services marketing innovator. He is a national authority with 25 years’ experience in insur-ance, executive compensation consulting and planning. Prior to joining Magner Financial, Richey served as a senior officer for several financial services and benefit consulting organizations, includ-ing American Express, General American Life Insurance Company, William M. Mercer, and the Management Compensation Group (MCG). A graduate of Wabash College and the Indiana University Law School, Richey lectures widely on financial services marketing, insurance, financial planning, and executive and employee benefit topics. Richey’s comments have appeared in Business Week, the Wall Street Journal, Forbes Magazine, and Investor’s Daily. He has also appeared on the Financial News Network for public radio. Richey has authored or co-authored a number of books and portfolios, as well as more than 100 articles.

Morey S. Rosenbloom, Esq. Blank Rome Comisky & McCauley LLP; One Logan Square; Philadelphia, PA 19103 Phone: 215-569-5599; Fax: 215-832-5599; Email: rosenbloom@blankrome.com Morey Rosenbloom is a partner in the law firm of Blank Rome Comisky and McCauley, where he serves as chair of the Tax and Fiduciary Department. A graduate of Temple University School of Law, he began his legal career as an assistant to the then Chief Justice, John C. Bell, of the Pennsylvania Supreme Court. Rosenbloom is an adjunct professor of law at Temple Law School and Villanova Law School. He has served as chair of the Real Property, Probate, and Trust Law Section of the Pennsylvania Bar Association and is a Fellow of The American College of Trust and Estate Counsel. He recently received the “Distinguished Service Award” from the Philadelphia Estate Planning Counsel. A frequent speaker on the topics of estate and business planning, Rosenbloom has co-authored many publications and articles including, “Practical Will Drafting,” “Funding Corporate Buy-Sell Agreements with Life Insurance,” “The Federal Estate Tax,” and “Tools and Techniques of Estate Planning.”

Gideon Rothschild, Esq. Moses & Singer LLP; 1301 Avenue of Americas; New York, NY 10019 Phone: 212-554-7806; Fax: 212-554-7700; Email: grothschild@moessinger.com Gideon Rothschild is a partner with the law firm of Moses & Singer, LLP, concentrating in estate planning and asset protection planning. He is a member of the Advisory Boards of BNA Tax Management, American Academy of Estate Planning Attorneys, the Journal of Asset Protection, and The Practical Accountant. He has authored numerous articles for publications including the New York Law Journal and Estate Planning, and is a frequent lecturer to professional organizations. Rothschild is also the co-author of the forthcoming revised BNA Tax Management Portfolio on Asset Protection and is chair of the Committee on Asset Protection of the American Bar Association. He is a member of the Offshore Institute, the New York State Bar Association, New York City Bar Association, Society of Trust and Estate Practitioners, and the Estate Planning Council of New York. Rothschild is also licensed as a Certified Public Accountant.

Roger S. Schultz, CLU Schultz Rowson, Inc.; 1111 Alderman Drive, #420; Alpharetta, GA 30005-4143 Phone: 770-664-6800; Fax: 770-475-0061; Email: rogers@schultzrowson.com Roger Schultz, a graduate of Emory University, joined Metropolitan Life in 1961 and spent ten years as a manager of the Atlanta office. He subsequently served as vice president of the life and employee benefits department of a large property and casualty firm. In 1982 Roger established the firm known today as Schultz Rowson and also heads up Direct Reimbursement Benefit Plans. A CLU since 1968, he has served as president of the Atlanta CLU Chapter, regional vice president for the American Society of CLU & ChFC (now the Society of Financial Service Professionals), and as national chairman of the Employee Benefits Section for the American Society of CLU & ChFC. He has also served as director and president of the Atlanta AALU, and director of the Atlanta Estate Planning Council. A frequent speaker, he addresses groups nationwide on employee benefits and executive benefit plans. He also serves as an adjunct instructor in insurance and risk management at Georgia State University. He currently serves as the editor of the Employee Benefit Planning col-umn in the Journal of Financial Service Professionals.

Robert B. Wolf, Esq. Tener Van Kirk Wolf & Moore PC; 407 Oliver Building; Pittsburgh, PA 15222-2368 Phone: 412-281-5580; Fax: 412-281-6115; Email: Rwolf50@aol.com Robert B. Wolf is a principal in the law firm of Tener, Van Kirk, Wolf & Moore. A graduate of Yale University, he earned his law degree in 1971 from the University of Virginia. He currently serves as vice chair of the Probate and Trust Law Section Council of the Allegheny County Bar Association. He has written numerous articles for the Pennsylvania Bar Association Quarterly. Most recently, he has written and spoken extensively on the design of a new generation of trust vehicle. His articles, “Defeating the Duty to Disappoint Equally: The Total Return Trust,” and “Total Return Trusts: Can Your Clients Afford Anything Less?” constitute the seminal work in computer modeling and verifying the value of the Total Return Unitrust. His most recent article,“Total Return Unitrust: The (TRU) Shape of Things to Come,” which he co-authored with Stephan R. Leimberg, Esq., was published in the RIA Estate Planner’s Alert. He was selected as one of 11 top estate planning innovators to be fea-tured in the November 1999 Bloomberg Personal Finance article, “Masters of the Loophole.”

Stanford A. Wynn, JD, LLM, CLU, ChFC The Northwestern Mutual Life Insurance Company; 720 Wisconsin Ave., Milwaukee, WI 53202 Phone: 414-665-1500; Fax: 414-665-2585; Email: StanfordWynn@NorthwesternMutual.com Stanford A. Wynn is a tax attorney and an officer of The Northwestern Mutual Life Insurance Company in Milwaukee, Wisconsin, where he serves as Assistant Director of the Advanced Planning Division in the Field Training & Development Department. He is the author of several articles and guides. In par-ticular, he wrote, “The Northwestern Mutual’s Guide to Split-Dollar” which was the primary building block for “The Insurance Counselor — Split-Dollar Life Insurance” published by the Real Property, Probate and Trust Law Section of the American Bar Association. Mr. Wynn is a faculty member for many of Northwestern Mutual’s schools and seminars including the Advanced Planning Seminars, which are held throughout the country. A member of the Wisconsin and Florida Bars, he is listed in Who’s Who in American Law.

Randy L. Zipse, Esq., CPA Manulife Financial; 73 Tremont Street, #1300; Boston, MA 02108 Phone: 617-854-4323; Fax: 617-854-4440; Email: randyzipse@manulife.com Randy Zipse is senior counsel, advanced markets, for the U.S. individual life operations of Manulife Financial. He provides advanced markets support for Manulife’s home office employees, field per-sonnel, and independent producers. He is a frequent speaker on estate and business planning top-ics and has written articles on trust taxation, estate planning, and business succession planning. His articles have been published in the Journal of Financial Service Professionals, Broker World, LAN, and the National Underwriter. Mr. Zipse has been associated with several large firms, including Jones Day Reavis & Pogue and Gardere & Wynne. Prior to becoming an attorney, Zipse worked as a CPA with Deloitte Haskins & Sells. An honors graduate from the University of North Iowa, Zipse subse-quently received his JD from Drake University College of Law (Order of the Coif, class rank num-ber one), and is a member of the Iowa, Texas and Missouri Bars.