1
January February 2015
David Rosenow, Editor
VP Business & Product Dev
Director of Compliance
Insight Light
JoAnne Hufnagel, Advanced
Sales & Strategies Assistant
http://www.harbourinv.com
Investment Advisor
Magazine’s
Division 1
Broker Dealer
of the Year
2007 & 2008
In
Co
te
it
gr
i
m
m
St
a
t
y
n
e
m
lit
i
b
y
t
Admiral’s Club Trip 2015 - Panama
Our Admiral’s Club trip destination 2015 was
Panama City, Panama. Panama City is the capital
and largest city of the Republic of Panama and
is located at the Pacific entrance to the Panama
Canal. Panama’s Tocumen International Airport is
the largest and busiest airport in Central America
with direct international flights. Our resort, the
Intercontinental Playa Bonita was on the Canal and
I was really taken with the view from the beachfront
or our patio – lines of ships waiting to travel through
the Panama Canal. Tides on the Pacific side were as high as 18 ft
while the Atlantic side is only 1 ½ to 2 ft. It was truly an amazing
Insight Light
January February 2015
experience!
Most of the group got in Saturday so we had a Happy Hour / Reunion later in the day to meet,
get acquainted and relax after a long flight. We had 78 travelers this year and many first time
attendees. There is always something to do and people are free to go at their own pace or spend
time with the group, so everyone had a great time. Many went to historic Old Town, the causeway
and dined at Trump Towers, enjoying the warm temperatures as well as the cultural diversity.
Sunday was a free day, just relaxing by the pool, and later watching the Super Bowl. Thank
goodness it was broadcast in English!
Monday, more than twenty of us went on a four mile hike up and around the peak next to the
resort. We saw a variety of wildlife, such as sloths, various species of birds and a tarantula as we
trekked through the forest.
Tuesday we climbed onto buses to Colon. We went to the Free Trade Zone and in late afternoon
took the Panamanian Railroad back to Panama City. The Panamanian Railroad was used to ship
cargo from one coast to the other before the Panama Canal was built and is still being used today.
On Wednesday, we regrouped, taking over the
activities pool. We played lots of water volleyball
and just relaxed for the day, enjoying the warm
tropical temperatures.
Thursday everyone was up and at ‘em to take
part in a partial transit on the Panama Canal. I
enjoyed the trip down the Canal immensely,
learning the history of the Canal as well as
moving through the locks and watching the ships.
The largest ship we saw was carrying 5,000 cars.
The most interesting fact I learned about the
cargo ships was that they stack cargo containers,
as much as ten high and if they encounter bad weather, they release the top containers into the
ocean so they stay afloat and balanced. The shipping companies include that loss as part of their
profit/loss ratio.
Most returned home on Saturday after a relaxing and diverse week in Panama! I enjoy our trip
every year because I get to spend quality time with our reps and their spouses. If you have not gone
with the group yet, I think you should put it on your bucket list. Those who attended get to cross the
Panama Canal off their list!
Submitted by Rhonda Meyer
VP and Chief Operating Officer
Did You Know? Some 52 million gallons of fresh water are used
each time a ship makes a trip through the Panama Canal. The
water comes from Gatun Lake, which was formed during the
canal’s construction by damning the Chagres River. With an
area of more than 163 square miles, Gatun Lake was once the
world’s largest made-man lake.
On average, it takes a ship 8 to 10 hours to pass through the
canal. While moving through it, a system of locks raises each
ship 85 feet above sea level. Ship captains aren’t allowed to
transit the canal on their own; instead, a specially trained canal
pilot takes navigational control of each vessel to guide it through
the waterway. In 2010, the 1 millionth vessel crossed the canal
since it started in 1914.
2
Insight Light
3
January February 2015
Financial Tracking
It is that time of
year again to log in to
financial tracking and
verify the activity in your
brokerage accounts. As
you know, Harbour has a
responsibility to supervise
our
representative’s
brokerage accounts and
it is your responsibility to
notify Harbour of those accounts. We are
asking you to go to https://secure.financialtracking.com/login to verify this information
by July 31, 2015. Your user name is your
email address and your password is what you
set it at last year. If you don’t have a financial
interest in a brokerage account, there is no
need to do anything.
Financial Tracking will send out a monthly
notice to those who have not successfully
verified their accounts. At this time, we are
not able to customize the message to identify
that the Financial Tracking message is
associated with Harbour.
If you have brokerage accounts that are not
showing up in the Financial Tracking website
or accounts that have been closed, please let
me know so we can get it updated.
Submitted by Jeremey Brown
Advanced Sales & Strategies Principal
Fixed Insurance Manager
Harbour Staff Direct Lines
- Skip The Receptionist
For a list of Harbour staff,
their direct numbers and,
phone extensions please
click here.
As always, in case of
immediate need, feel free
to call (608) 662-6100 and
we can find someone to
answer your question. But
for those calls that do not require immediate
attention, please dial the direct number or
enter an extension when you get to Harbour’s
voice mail message. If the person you dialed
does not answer, please leave a message
and staff will be diligent to return your calls.
Most often when someone does not answer,
they are on the phone, in a meeting or have
stepped out for lunch.
In addition to dialing an extension you can
dial 2 for Trading, 3 for Commissions or
Licensing, or 4 for Recruiting. This goes into
a loop and the next available person in that
department will answer.
And maybe you didn’t know that by pressing
the star key, you can enter the first letters
of either someone’s first or last name and
in most cases it will transfer to that staff
member. Skipping the receptionist is a time
saver!!
Submitted by JoAnne Hufnagel
Advanced Sales & Strategies Assistant
Making the Best of
Your Job
I was reading an article
in one of our local
magazines called, In
Business, and the title
itself caught my eye.
The article was written
by
Jenna
Atkinson
whose father had just retired from UPS after
thirty years of employment. So why was
this editorial so unique and something worth
passing along to you? Let’s be honest, we
all have our days where we just want to be
at home or out doing other things besides
“work” and this happened to be one of those
days for me (also a few days before Panama
so I had the itch to be someplace warm).
Reading, “How to Love Your Job,” made me
realize just how much I do appreciate where
I am at not only in life, but in my career, and
the biggest part of this… the people. While
reading below, think of how these situations
relate to you and your clients.
Insight Light
4
January February 2015
Jenna asked her father three key questions
to find out what allowed him to be with an
employer for 30 years. Not only was it
because UPS wanted to keep him around,
but the people he worked with played a
tremendous role and was his favorite thing
about the job. “There will always be difficult
people in the world, but the majority of them
have good intentions. Everyone is fighting
his or her own battles, so be kind and always
willing to help,” says her father. He continues
with saying, “Invest in getting to know people
and helping them succeed, and it will pay
huge dividends in your career and life.”
The second question she asked, “What
advice would you give to people just starting
careers?” His response, “look for a company
that would help support you and your
professional growth in the same way you
contribute to its success and growth. Look
for companies and company leaders who
are willing to help you reach your goals.”
Try replacing “Company” with “Advisor” and
speak from the client. They go hand-in-hand
don’t they. Your clients are looking to you to
help them reach their retirement goals. From
the company aspect, one of Harbour’s goals
is to help you reach your goals so you can
share them with others. Compliance is
a big part of what we do to help you as an
independent financial professional, but we
also are here to help you so you can help
your clients.
The final question Jenna asked her father,
“What was the biggest challenge of your
career?” As most of you have probably
experienced, when you have to choose
between your family and career, you hope
for no regrets. In a particular situation, he
chose his family even though this would limit
him to certain opportunities in his career.
The challenge wasn’t so much making the
decision; it was learning to love his job for
what it was. He found ways to spread his
dedication, positive attitude and passion to
everyone around him. Every once in awhile,
we are forced to make choices that may not
benefit our career, but sometimes “success
is not about how high you climb, but how you
handle your priorities and who is with you on
the journey.”
To sum it up, getting to know the people
you work with on a deeper level can help
your experiences with your employer or coworkers that much better; finding ways to
show dedication to your organization can
create respect and trust between everybody
involved; and taking steps to truly love what
you do can be the hardest part, but worth it in
the end. All of these were accomplished on
my experience to Panama with the Harbour
family this year. I was not only able to learn
more about the people that make Harbour
possible, but they were all so positive and
supportive of each other both professionally
and personally. By far one of the greatest
experiences I’ve ever had, well until July
2015 that is.
Works Cited
Atkinson, J. (2015, February). In
Business. How to Love Your Job , p. 6.
Submitted by Carina Moreland
Training & Transition Coordinator
Registered Principal
Free Money For College?
Your
clients
won’t
be getting grants or
scholarships for their
retirement, but you can
help them try to get some
for their kid’s college. If
you have clients with kids
in college, or kids entering
college next year, you
should urge your client to
fill out the Free Application
for Federal Student Aid (FAFSA). The
FAFSA form is necessary to be considered
for financial aid from federal and state
government and from most colleges and
universities. This includes grants, loans and/
or merit based aid. Although the federal
deadline for the form isn’t until June 30th
2016 for the 2015-2016 school year, many
states and schools have deadlines in early
2015 and some award aid on a first come,
first served basis. On average, students
that complete the FAFSA form in January,
February and March receive more than twice
as much grant funding as students who
5
Insight Light
January February 2015
complete the FAFSA later.
If your client thinks they may make too
much money to get aid, or were previously
turned down, they should still file the form.
Surprisingly, 18.7% of students whose
parents earned over $100,000 received
non-need and merit based grants according
to the 2011-12 National Postsecondary
Student Aid Study (NPSAS). Additionally,
for those same students whose parents
made over $100,000, 11.3% received needbased grants. One possible reason for such
a seemingly high number is that they take
into account the number of siblings going to
college at the same time. Having two kids
in school is similar to making only half the
income.
If your clients are not currently using the
FAFSA, they are in the minority according to
the 2011-12 NPSAS. Approximately 72% of
all families who have kids in college fill out
the form, and that is true for all income levels.
73.2% of families earning over $250,000 per
year are filling out the form in hopes of getting
some sort of aid.
Even if college is years away, you can
do some things now to help your clients
be prepared to get aid. One way is to let
them know to watch out for grandparent
owned 529 Plans. Distributions from these
plans are considered untaxed income to the
student and can reduce their need-based
eligibility by up to 50% of the distribution
amount. Conversely, a distribution from 529
Plans owned by the parent or the student is
only counted at a rate of 5.64%. So if the
student received $10,000 from a 529 owned
by their grandparent, it might reduce their
eligibility by $5,000, but if that distribution
came from a parent owned 529, it would only
reduce eligibility by $564. In cases like this,
you may want to change the owner of the
529 Plan to the parent in advance of filling
out the FAFSA, or use the money from the
grandparent owned 529 Plan last, preferably
when the student is a senior, or doesn’t need
financial aid anymore.
Another idea to understand is that 529
Plans that are owned by the student in an
UTMA are considered a parent asset, but if
the UTMA is not in a 529 Plan, it is considered
the student’s asset.
One last thing to consider is if your client
owns a business, he or she might want to
consider shifting some income to the student.
This is because if a student can show that
they pay half of their own support and file
their own tax return, they may be eligible for
tax credits.
You should visit www.Edvisors.com/
fafsa/forms/tutorial/ to learn more about the
subject. It has a link to the FAFSA form and
a nice instruction manual to help your clients
fill it out.
Submitted by Rick Medland
Transaction Compliance Manager
New Changes to 529 Plans
Changes for all 529 Plans have been
updated on Harbour’s web site, but of
particular interest is the change President
Obama signed into law late last year.
Investors in 529 college savings plans can
now make changes to their investment
holdings twice a year rather than the onceyearly change permitted under previous IRS
restrictions.
Please keep in mind that you are required
by SEC rules to discuss the 529 Plan offered
by the state where the owner resides.
There have also been some exciting
changes that were made to the WI 529,
Edvest and Tomorrow’s Scholar. For those
of you who are in Wisconsin or have clients
in Wisconsin, you need to know about
Senate Bill 389, which provides a number of
changes to the existing Wisconsin state tax
deduction for 529 plan contributions. Among
the changes:
• All contributions in excess of the maximum
limit may be carried forward for an unlimited
number of years.
• Any contributor who is a Wisconsin tax
payer may contribute to any Wisconsin 529
plan account and receive an income tax
deduction for their contributions, regardless
of their relationship to the beneficiary.
•
The deadline for making the annual
deductible contribution will be extended to
April 15th of the following year.
•
The maximum annual deductible limit
per beneficiary will be increased annually
to reflect inflation. For 2014, the limit is
$3,050.00. The deductible limit for 2015
has not been announced, and may not be
announced until after April 15th.
Insight Light
6
January February 2015
• Deductions taken for contributions and
later withdrawn as a non-qualified distribution
will be subject to recapture.
• Wisconsin 529 accounts will not be subject
to claims by creditors.
These changes are all very beneficial to
Wisconsin residents and make it even easier
for you to sell to your clients. Here are some
other highlights of the WI Plan:
• Run by TIAA CREF and VOYA Funds
• Minimum contribution of $250, or $25 with
an automatic contribution
• Maximum contribution limit is $330,000
• No enrollment fee, and a $25 annual fee
is waived for accounts with over $25,000 in
assets or accounts with automatic deposits
that have been turned on for over one year.
As for other states in the area, here are the
highlights:
Illinois – Bright Start College Savings
Program:
• Run by Oppenheimer Funds
• Up to $10,000 per parent (so a total of up
to $20,000 a year) is deductible from IL state
taxes
• Maximum contribution limit is $350,000
• No enrollment fee and a $25 minimum to
open an account
• Contribution deadline is December 31st
postmark
•
Employers can claim a credit against
Illinois tax for 25% of matching contributions
made to an employee’s account in an Illinois
529 Plan, with a maximum annual credit of
$500 per employee, and unused credits may
be carried forward for five years.
Indiana
• Run by Ascensus
• A 20% tax credit on up to $5,000 per year
in contributions can be claimed against
Indiana income tax (maximum yearly credit is
$1,000). The account must remain open for
at least one year to avoid recapture of the tax
credit on distributions used to pay qualified
education expenses. Rollover contributions
and contributions generated through a
rewards program are not eligible for the tax
credit.
• Maximum contribution limit is $298,770
• Minimum contribution is $25
• A $20 annual account maintenance fee
is charged to accounts with assets under
$25,000
• Contribution deadline is December 31st
Iowa – IAdvisor 529 Plan:
• Run by VOYA Funds
• Up to $3,163 per parent (so a total of up
to $6,326 a year) is deductible from IA state
taxes, only contributions made by the account
owner are deductible
• Maximum contribution limit is $320,000
• No enrollment fee and a $250 lump sum
minimum initial contribution, $50 minimum if
a monthly deposit is set up
• Contribution deadline is December 31st
postmark
Michigan • Run by Allianz Funds
• Up to $5,000 per parent (so a total of up
to $10,000 a year) is deductible from MI
state taxes. Rollover contributions are not
deductible.
• Maximum contribution limit is $235,000
• No enrollment fee and a $25 minimum
contribution per portfolio
• Contribution deadline is December 31st
Minnesota
• Run by TIAA CREF
• Cannot be sold by Harbour representatives,
only CREF
• No tax deduction is available from MN
taxes
Ohio – CollegeAdvantage 529 Plan
• Run by BlackRock
• Up to $2,000 per beneficiary is deductible
from OH state taxes per year on contributions
or rollovers, with unlimited carryover of
excess contributions
• Maximum contribution limit is $414,000
• No enrollment fee and a $25 minimum
contribution
• Annual fee of $25 per year is waived for
accounts with assets over $25,000
• Contribution deadline is December 31st
Submitted by Rick Medland
Transaction Compliance Manager
Insight Light
January February 2015
Lynn Berry
Lynn Berry joined Harbour in November
from her previous broker-dealer, NEXT
Financial Group. She has been in the
securities industry since 1994.
Lynn married her high school sweetheart,
Scott, who is also in the business. Both
reside in Neenah, WI. As a proud Navy
mom, she enjoys spending time with her
family, gardening, reading and volunteering
for Special Olympics and the Boys and Girls
Brigade.
Julie Gneiser
Julie Gneiser joined Harbour in November
from her previous broker-dealer, NEXT
Financial Group. She has been in the
securities industry since 1999.
Julie resides in Princeton, WI and enjoys
spending her free time with her four children
and her grandchildren, gardening, reading,
and volunteering as a project coordinator for
various local fund raisers in her community.
Her mission is to encourage and assist women
to become knowledgeable about investing
and achieving financial independence.
7
John Harezlak
John Harezlak joined Harbour in September
from
his previous broker-dealer, NFP
Securities. He has been in the securities
industry since 2001.
John and his wife, Theresa, reside in
Rockford, IL. In John’s free time, he enjoys
volunteering for the Boys and Girls Club
and Rockford Lutheran Schools as well as
watching his children play sports and taking
them fishing.
Lyle Hoverson – Esko, MN
Lyle and his wife, Debra, live in Esko, MN.
They have two grown daughters, Katie and
Sarah. Lyle has been in the securities industry
since 1988, joining Harbour from his previous
broker dealer, Transamerica Financial in
January, 2015. Lyle has a Bachelor of Arts
degree from the University of North Dakota.
Lyle is a former Lions Club member and
volunteers at his church. He enjoys boating,
woodworking and following his favorite teams,
the Packers, Vikings, Twins and Brewers.
Helen Kelleher - Dubuque, IA
Helen Kelleher joined Harbour in October
from her previous broker-dealer, First
Heartland Capital. She has been in the
securities industry since 2003.
Helen and her husband Tim reside in
Dubuque, IA. When she’s not at the office,
she is volunteering as a committee member
for the planning team for the American Cancer
Society Relay for Life as well as a volunteer
for various activities through her church .
8
January February 2015
Dan Lemens - Green Bay, WI
Kevin Olvaney – Indianapolis, IN
Dan Lemens joined Harbour in November
from his previous broker-dealer, NEXT
Financial Group.
He has been in the
securities industry since 2000.
Kevin and his wife, Becky live in Indianapolis
and have one son, Brennan. Kevin has been
in the securities industry since 1999, joining
Harbour from his previous broker dealer,
American Portfolios in January, 2015. He
attended Indiana University.
Insight Light
Recently married, Dan and his wife Cortney
reside in Green Bay, WI. In his free time,
you can find him on the coaching staff of the
Ashwaubenon Varsity Girls basketball team
or playing golf, basketball or football.
Kevin is a volunteer for United Way
and Mental Health America of Greater
Indianapolis. He enjoys spending time with
family, golfing and watching his favorite
teams, the Colts, Hoosiers and Pacers. His
favorite restaurant / food is micro-brewed
beer and his favorite travel spot is Florida.
MOTIVATIONAL
WHAT IS YOUR BASIC RESOURCE?
What is your most basic resource? It's not money, not brains, not who you know. Your basic
resource is time. Unless you use your time well, you'll never even get a glimpse of what your
potential is. Using your time well isn't easy -- which is why so few people do it. We all have
challenges with organizing our lives, setting priorities, and planning our time.
Regardless of what you do in life, time is money. If I gave you a check for $86,400 and said,
"From this moment you have 24 hours to invest it. You can invest in anything you want to with
this money. Whatever you don't invest, I get back tomorrow at this exact same moment." What
would you do during the next 24 hours? You'd be out there working hard and fast to invest that
$86,400, wouldn't you?
That being your attitude, why aren't you busily investing as much as you can of the 86,400
seconds given to you every day? That's right -- at the beginning of every day we're all given
86,400 seconds. As each second ticks by, we've lost the benefit of it forever unless we find a
way to invest that moment in the future.
The seconds of your life -- and that's the way you live it, one second at a time -- can be
invested in countless ways that will bring you a future return. Many of these ways will give you
repeated returns stretching over many years. You can invest your seconds in the creation of
future income, in gaining new knowledge and acquiring useful skills, in making contacts, in
enhancing your personal life. The methods of gaining future benefits from present time are
myriad. And so are the ways of wasting time. The seconds you squander vanish forever with
no potential return. If you don't invest your daily treasure of 86,400 seconds wisely, in essence
you hand them back at the end of each day to the force that gave them to you. So, invest your
time wisely.
Written by Tom Hopkins
Courtesy of Jim Rohn International
Excerpt taken from Virtual Sales Assistant
9
January February 2015
Upcoming Events
Anniversary Wishes!
Annual Marketing & Compliance Conference September 28 - 30, 2015 at Lake Lawn Resort in
Delavan, Wisconsin
Gavin Dues - Feb 1, 2012 - Eaton, OH
Stephanie Wachholz - Feb 1, 2006 - Green Bay, WI
Jim Thompson - Feb 5, 1988 - Madison, WI
Randy Brice - Feb 8, 1999 - Green Bay, WI
Michelle Caudle - Feb 8, 2011 - Minocqua, WI
Mark Santas - Feb 10, 2011 - Beloit, WI
Greg Volitich - Feb 11, 2013 - McKees Rocks, PA
Roger Hellenbrand - Feb 12, 1997 - Madison, WI
Jose Murillo - Feb 14, 2007 - Stevens Point, WI
Kerry Gasman - Feb 16, 1993 - Appleton, WI
Joe Czukas - Feb 21, 2003 - Brookfield, WI
Karla Reno - Feb 23, 2006 - Kalamazoo, MI
Bruce Carroll - Feb 26, 1998 - Verona, WI
Carol Fasbender - Mar 3, 2000 - St Joseph, MI
Gary Drzewiecki - Mar 6, 1990 - Pulaski, WI
John Steinke - Mar 6, 2008 - Wisconsin Rapids, WI
Troy Pauls - Mar 11, 2002 - Fitchburg, WI
Michelle Harrington - Mar 11, 2005 - St Louis Park, MN
John Birder - Mar 12, 1998 - Green Bay, WI
Tom Bodin - Mar 12, 2009 - Waukehsa, WI
Robert Packard - Mar 19, 1991 - Oregon, WI
Mark Saunders - Mar 19, 1991 - Madison, WI
Ken Rumbaugh - Mar 27, 2003 - Lima OH
Terry Balding - Mar 30, 1990 - Sun Prairie, WI
Larry Smith - Mar 30, 1990 - Baraboo, WI
Gail Aglynas - Mar 30, 2004 - Palos Hills, IL
Jay Hinkens - Apr 2, 2007 - Middleton, WI
Steve Powers - Apr 8, 2004 - Plymouth, MN
Michael Young - Apr 8, 2014 - Verona, WI
Jared Holt - Apr 10, 2013 - Mankato, MN
Corby Kiss - Apr 17, 2006 - Richland, MI
John Augustin - Apr 20, 2001 - Brookfield, WI
David DiStefano - Apr 25, 2012 - Janesville, WI
Ray Kovalski - Apr 27, 2012 - Beachwood, OH
Insight Light
Harbour and the Markets Closed
February 16 - President’s Day
April 3 - Good Friday
May 25 - Memorial Day
Birthday Wishes!
Kerry Gasman - Feb 1 - Appleton, WI
Nick White - Feb 2 - Oregon, WI
Craig Gonn - Feb 4 - Grafton, WI
Erin Jones - Feb 6 - DeForest, WI
Larry Smith - Feb 10 - Baraboo, WI
Susan Olson - Feb 14 - Sun Prairie, WI
Becky Best - Feb 16 - Battle Creek,MI
Michelle Caudle - Feb 18 - Minocqua, WI
Beverly Hicks - Feb 23 - Madison, WI
David Knibbe - Feb 25 - Kalamazoo, MI
E. Erik Gauger - Mar 3 - Menomonee Falls, WI
Frank Shimkus - Mar 11 - Bloomington, MN
Barry Meythaler - Mar 11 - S Wayne, WI
Amy Peirce - Mar 13 - St Joseph, MI
Rob Groves - Mar 16 - Appleton, WI
Jack McKissick - Mar 23 - Elkhart, IN
Chris Swenson - Mar 25 - Sun Prairie, WI
Julie Gneiser - Mar 26 - Neenah, WI
Steve Ratajczak - Mar 27 - Oostburg, WI
KC Kauth - Mar 28 - St Paul, MN
Christopher Yard - Apr 1 - Maple Grove, MN
Jason Speich - Apr 1 - Madison, WI
Darrell Carlson - Apr 1 -Vadnais Hts, MN
Greg Wagner - Apr 2 - Cross Plains, WI
Diane Dillett - Apr 7 - Fitchburg, WI
Scott Weilage - Apr 7 - Mankato, MN
Bill Rodgers - Apr 9 - St Louis Park, MN
Joe Catanzarite - Apr 16 - S Bend, IN
Paul Knibbe - Apr 16 - Kalamazoo, MI
Greg Volitich - Apr 16 - McKees Rocks, PA
Mark Saunders - Apr 21 -Madison, WI
Terry Balding - Apr 24 - Sun Prairie, WI
Don Gross - Apr 25 - Waukesha, WI
Dennis Natzke - Apr 29 - Pulaski, WI
Staff Anniversary Wishes!
Dan Wipperfurth - Feb 7, 2000
Julie Nelles - Feb 17, 2004
Jessica Koch - Feb 17, 2010
Jim Dushek - Feb 28, 2000
Angie Hellenbrand - March 14, 2005
Jeremey Brown - March 27, 2000
Jennica Valdez - April 11, 2005
Rick MedlandApril 18, 1996
Melissa Johnson - April 23, 2007
Participating Sponsors 2015
Platinum Level
Tier I