PVBIA
P.O. Box 897
Culpeper, VA 22701
540.825.7558
866.303.8205 (fax)
info@pvbia.org
Affiliated with:
For NAHB Member Savings
click on logo:
Order your books at:
www.builderbooks.com
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Read: Letter from the President
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Thank You Sponsors
Award Sponsor: East Coast Insulators
Dinner Sponsor: Roof Works of VA
Hole In One Sponsor: Drywall Systems, Inc
Cigar Sponsor: Bowman Consulting
Beverage Sponsor: Dewberry
Beverage Sponsor: Fireside Hearth & Home
Prize Sponsors:
84 Lumber
Builders First Source
Country Club of Culpeper
Country Mortgages by Farm Credit
European Stone
Glaize Componets
Golf Etc.
Guardian/ECI
Lowe's
MidSouth Building Supply
Moen
Odyssey Travel, Inc.
Parksite/Tyvek
Peterson's Jewelers
PVBIA
Rexel
Simonton/Norandex
Sterling/Ferguson
Ted Lansing
The Contractor Yard
Hole Sponsors:
2-10 Home Warranty
Battlefield Auto Group
BB & T
Builders First Source
Country MortgagesFarm Credit
Creative Touch Interiors
D & W Geotech/Testing, Inc
Dunaway's Heating & Cooling
Efficient & Roll Off & Recycling
European Stone Concepts
Golf Etc.
Graystone Homes, Inc
H. Aubrey Hawkins & Assoc.
Holtzman Propane
Integrity Automotive
Masco Contractor Services
Mid South Building Supply
Norandex DIstributors
NVS Kitchen & Bath
Odyssey Travel Inc
Parksite/Tyvek
Peak Construction Co.
Priority Services, Inc.
Rappahannock Electric Coop
Reico Kitchen & Bath
Remax Regency
Robert G. Bledsoe Bldg Co.
Summitt Community Bank
The Contractor Yard
The L & L Company
Tom Hanger Home Improvem
Trigon Development
VA Community Bank
Wade Schick's Chrysler of Culpeper
Yount, Hyde, & Barbour, P.C.
Posted: 17-Apr-2008
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Member Benefits Update
It’s time to reap the many benefits of membership
by Jim Bonnell, LUTCF, HBAV director of member benefit services
Being a member of the Home Builders Association of Virginia comes with many benefits. The strong representation in front of Virginia’s legislators and lawmakers at the Capitol is vital to the health of the home building industry in the Com¬monwealth. This important promotion and protection of the home building industry wouldn’t be possible without the support of our nearly 6,400 member-companies throughout the state.
Working together, our membership and financial support are helping to ensure the strength of Virginia’s housing industry for years to come. In addition to the representation at the state Capitol, HBAV members have access to special benefits, insurance programs and expert advisers who can help your business succeed.
Employee benefits consulting and workers’ comp programs
Wholly owned by HBAV, the HBAV Insurance Agency exists to provide valuable member benefits to all 6,400 member-companies and their employees across the Commonwealth. The HBAV Insurance Group is an independent insurance broker¬age that specializes in employee benefits consulting and has partner companies that specialize in workers’ compensation and general liability coverage for contractors and related business.
The mission of HBAV’s Insurance Group is to provide customized, comprehensive solutions for our members through our strategic relationships with our association, agency and company partners.
Whether HBAV members take advantage of one of our many strategic partnerships with companies such as Anthem Blue Cross Blue Shield, John Hancock Life, Dominion Dental or the Building Insurance Associa¬tion — or have us shop-out their group benefits to multiple carriers — we are here for you. The HBAV Insurance Agency has access to many carriers throughout Virginia and we are prepared to help large or small groups, as well as individuals.
A small-group health plan can be started with as few as two employees. The benefit consultants at HBAV can help you get a company-sponsored health plan started within a very short period of time. Some carriers we work with are United Healthcare, Optima, Southern Health, Aetna and An¬them Blue Cross Blue Shield.
Anthem health insurance
HBAV has had a long-standing rela¬tionship with Anthem Blue Cross Blue Shield’s value-added association benefit. In this program, any HBAV member with Anthem health insurance can add an enhanced package of benefits, at no additional cost. The only requirement is that your group has between two and 99 employees.
Since 1997, more than 1,000 HBAV member companies throughout the Com¬monwealth have taken advantage of this great free benefit.
Qualified retirement plans:
401(k), SIMPLE, SEP, IRAs
A qualified retirement plan can help you to attract and retain the best employees.
Surveys show that retirement plans are consistently one of the most-valued benefits that employers can provide for their employees. These IRS-qualified plans allow employees to defer federal and state income taxes, contribute automati¬cally through payroll deductions, simplify investment decisions and receive immedi¬ate returns on their investment when a company match is available.
HBAV Benefits Group has a certified financial planner on staff who can review existing retirement plans, assist in setting up new offerings, or just provide answers and guidance.
Long-term care insurance at a special group discount
Long-term care is the type of care people need when they can no longer manage basic daily activities on their own such as eating, dressing or bathing. Long-term care insurance can help you to ensure that a long-term care event doesn’t become a family burden or a financial misfortune.
When you incorporate long-term care insurance into your overall financial plan, you and your family will be able to help:
• Protect your retirement assets for their intended purpose.
• Preserve your independence and ability to choose where you’d like to receive care.
• Cover the cost of long-term care expenses if they arise.
• Reduce the physical and emotional burden that care giving can have on fam¬ily members.
Through a partnership with John Hancock Life Insurance Co., HBAV offers long-term care insurance coverage on a voluntary discounted premium basis.
Long-term disability, short-term disability and life insurance
The market for these products is very competitive and rates are changing all the time. It’s recommended that these ancillary benefits be shopped-out periodi¬cally to ensure your group is getting a competitive rate on its group insurance.
Dental benefits
Through the help of Dominion Dental Services, HBAV members can access group and individual dental plans throughout Vir¬ginia. These plans offer PPO, DHMO and discount plan options that are competitively priced and have strong benefits.
The PPO option allows members to access benefits at any licensed dentist in Virginia.
For more information regarding the group dental benefits, call or e-mail me using the contact information below.
Individual health insurance
Co-payment … co-insurance … de¬ductibles … health savings accounts … What does all this mean?
HBAV Benefits Group can help you make sense of your health insurance coverage. We work with multiple carriers to provide individual health insurance at competitive rates for our members. Mem¬bers can even go online to http://hbav.com/services2.html for a link to apply for health coverage.
For more information on the current insurance programs offered by HBAV, contact me at (800) 734-6344 or jbon¬ell@hbav.com. VAB
Posted: 26-Mar-2008
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HOUSE RULES COMMITTEE SUSPENDS ACTION ON SENATE BILL 768, by WATKINS
"Delegate Frank Hall Brokers Agreement For Future Action"
On Tuesday morning of this week, the future of Senate Bill 768 looked very bleak. In a surprising announcement to HBAV, the Speaker of the House, William J. Howell, had made it clear that unless local governments across Virginia would agree to the measure, he would terminate the bill in his Rules Committee and roll its subject into a Study. Earlier this session, the House leader had expressed his support for the measure to members of the Fredericksburg Area Builders Association.
Senate Bill 768 is the controversial HBAV-backed proffer reform bill, which is opposed by every local government in Virginia, every extreme or radical environmental group in the Commonwealth and the Fairfax County (Government) Chamber of Commerce. The measure had narrowly passed the Senate of Virginia on a 21 to 19 vote. The Patron of SB 768 is Senator John Watkins.
On Tuesday afternoon, Speaker Howell agreed to allow Richmond/Chesterfield Delegate Frank Hall attempt to broker an agreement between HBAV and the opponents to the bill. On Wednesday morning, HBAV and the various representatives accepted a three-part Hall-Brokered Agreement. On Thursday afternoon, the House Committee on Rules accepted the Agreement. The parties to the Agreement are HBAV, Virginia Association for Commercial Real Estate, Virginia Association of Realtors, Virginia Municipal League, the Coalition of High Growth Localities and the Virginia Association of Counties.
First, SB 768 will be carried-over to the 2009 Session of the State Legislature in the Rules Committee. It was NOT to be killed or rolled into a Study. Consequently, when the 2009 session of the state legislature convenes, the legislative path to final passage of SB 768 will begin in that House committee.
Second, the Speaker of the House will write a letter to VACO and VML expressing his desire for localities not to raise their Proffer Guidelines until July 1, 2009. He will also write a letter to the parties of the Agreement, expressing his direction to meet and seek an agreement to terminate the cash component of the proffer system and convert it to a more structured system for the private sector to contribute to the cost of public infrastructure created by growth
Third, House Bill 111, by Delegate Ed Scott, will be amended on the Senate Floor (Lucas) to prohibit localities from adopting a road impact fee ordinance until July 1, 2009. Once adopted by the State Senate, the amendment to HB 111 would have to be accepted by the House of Delegates. The prohibition will begin on July 1, 2009.
The Agreement is designed to keep the current local government/new development-housing environment in place until the end of the 2009 Session of the General Assembly or July 1, 2009.
The Agreement is not the desired outcome for SB 768 in this session of the state legislature, but it does keep the current housing development-construction environment stable and binds parties to continue discussions.
SENATE BILL 768
GETS THE SILVER MEDAL
The Leaders of HBAV knew Senate Bill 768 would be controversial, but the very high level of controversy surrounding the measure has shocked HBAV and the Patron of the measure, Senator John Watkins.
The Legislative Information System (LIS) of the Virginia General Assembly tracks the frequency of internet inquiries on all matters (legislative bills) before each session of the state legislature. Every year, as you would expect, the Budget always wins the Gold Medal for the highest level of public interest.
Winning the Silver Medal for HITS on the LIS in the 2008 Session has been Senate Bill 768, the HBAV backed proffer reform bill. In other words, SB 786 created more public interest in this session than Pay Day Lending, Dog Fighting or the Michael Vick Reform Bill, Concealed Handguns in Restaurants, the Repeal of Driver Abuse Fees and many other very controversial issues.
Yet, the HBAV backed measure by Senator Watkins made it through one house of the State Legislature - more to follow!
FRIDAY SHOCKER HITS STATE CAPITOL
"Virginia Supreme Court Overturns Taxing Powers of HB 3202"
On February 24, 2007, the Virginia General Assembly passed, and the Governor subsequently signed into law, a comprehensive legislative package to provide for significant increased funding for transportation. It was a significant compromise between House Republicans, Senate Republicans and Democratic Governor Tim Kaine. Senate and House Democrats opposed the measure. Today, exactly one year and five days later, the Virginia Supreme Court has ruled unconstitutional a major portion of that legislation: the generation by regional transportation authorities of revenues for transportation in Virginia. HB 3202 provided a number of statewide, local, and regional measures to address transportation funding. One of the most significant of those measures was empowering the existing Northern Virginia Transportation Authority ("NVTA"), and creating a new Hampton Roads Transportation Authority ("HRTA"), to issue bonds for transportation projects, and to impose taxes and fees to finance those bonds.
Delegate Robert Marshall, former Delegate Richard Black, and several other citizens of Northern Virginia, as well as the Board of Supervisors of Loudoun County in a separate suit, challenged the constitutionality of HB 3202 with regard to NVTA (Marshall v. Northern Virginia Transportation Authority, et al.). The Court was asked whether the General Assembly may delegate its power of taxation to a political subdivision that is not a county, city, town, or regional government, and is not an elected body.
The Court held that the General Assembly's authorization of NVTA to impose taxes and fees was constitutionally prohibited delegation of the taxing power of the General Assembly to a political subdivision whose governing board is not elected by the citizens to serve in that capacity.
The Court's issuance of the opinion today, with eight remaining days left in the 2008 Session of the General Assembly, means that the General Assembly is on notice that it cannot rely on revenues expected from both NVTA and HRTA to create the 2008-2010 Biennial Budget. The General Assembly has now lost its expectation of revenues from NVTA of at least $300 million per year, revenues from HRTA of around $200 million per year, and $102 million of bonds authorized, but not yet issued, by NVTA. In a year of lower-than-expected revenue growth statewide, the General Assembly now has to adjust its priorities for transportation projects and identify new or increased sources of revenue to pay for transportation projects in the Commonwealth. These challenges now present the question of how much time the General Assembly needs to accomplish its task, as well as how much compromise will be both necessary and possible to do so.
And, a major change in the make up of the state legislature has occurred since the passage of HB 3202 in 2007. The State Senate is now majority Democratic, and they still oppose many of the provisions of HB 3202. The Senate Democrats would prefer an increase in broad based taxes to fund the transportation needs of the state. STAY TUNED!!!! This Session of the 2008 Virginia General Assembly may have just begun!
For more information on HBAV and upcoming events go to our website: http://www.hbav.com.
Home Builders Association of Virginia
707 East Franklin Street
Richmond, Virginia 23219
Posted: 04-Mar-2008
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Culpeper Habitat Needs Building Lots!
Culpeper Habitat for Humanity is looking for land for our next Project. In the current real estate market some builders may find themselves holding parcels of land that they want to sell.
We are in a position to purchase land if it is in our price range.
Do you have building lots that you might want to sell? If so, call Jeff Montag at (540) 727-0155 or email him at jeffrey.montag@baesystems.com
Posted: 04-Mar-2008
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ATTENTION HBAV LEGISLATIVE COMMITTEE MEMBERS
Senate Bill 768, HBAV’s-BACKED PROFFER REFORM LEGISLATION,
was just APPROVED by the Virginia State Senate with a 21-19 vote!
Voting to advance the Senate Bill 768 were Senators Howell, Hurt, Lucas, Marsh, Martin, McDougle, McEachin, Miller, J.C., Norment, Northam, Puckett, Reynolds, Ruff, Saslaw, Smith, Stolle, Stosch, Wagner, Wampler, Watkins, and Whipple
Voting against the measure were Senators Barker, Blevins, Colgan, Cuccinelli, Deeds, Edwards, Hanger, Herring, Houck, Locke, Miller, Y.B., Newman, Obenshain, Petersen, Puller, Quayle, Stuart, Ticer and Vogel
The bill will now go before the members of the House of Delegates for their consideration. HBAV will be sending more information soon.
Thanks to all of you for your help in the success thus far for SB 768!!!!!
Posted: 12-Feb-2008
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* "The PVBIA group is a great way to meet the peers in my community. This is a laid back, friendly, easy group of folks that are a pleasure to meet and greet. I have made friends and contacts that have been invaluable to my career".
Kevin- Bowman Consulting
*"Wonderful group of people concerned about issues concerning the Culpeper region".
Sandra- NVS Kitchen & Bath
* "Information! At the source. The Pulse of your local business".
Earl- First Colony Homes
* "Good group of quality people that really care about our industry".
Bobby- Allied Concrete Co.
* "The organization affords an opportunity to not only network but to actually aquire business, which usually opens other avenues or contacts. Thank you PVBIA"!
Lois- Awesome Insulation
* "Networking, Fraternity! The guest speakers are the best around, very industry oriented and informative".
John- J P Morgan Chase
* " A great place to meet "Movers and Shakers" in our industry".
Dan P.- Dewberry
Posted: 18-Nov-2007
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PVBIA Electronic Newsletter
Advertising Rates 2007
Full Page Ad-7”x10”
(advertiser provides)
$150
1/2 page Ad-7”x5”
(advertiser provides)
$75
1/4 page Ad-3.5”x5”
(advertiser provides)
$50
Ads will be sold as space allows.
Deadlines are the 10th of the month preceding publication. Please contact the PVBIA office for more details gearing4@aol.com or 540-825-7558. PDF or JPG
Posted: 27-Mar-2007
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Dear PVBIA Member:
On behalf of Allan Strange, Marc Cram, and Joe Brockman, please let this letter serve as an informal introduction to our group. For the past ten years it has been our pleasure to serve as financial counsel to the Home Builders Association of Virginia (HBAV) for both the Education Foundation and Corporate Accounts. Due to the success of these programs the HBAV began to look into further ways it could serve its members and is pleased to provide these additional benefits.
As announced by HBAV Executive Vice President Mike Toalson, membership benefits through the HBAV have been expanded to include both individual and corporate financial planning services through The Strange/Cram Group at Smith Barney. Through the HBAV each member is eligible for complimentary assistance in individual planning such as: Retirement, Estate Planning, Asset Allocation Review, and 529 College Plans for children and grandchildren. Corporate assistance comes in the form of 401(K)/Retirement Plan Review, Non-Qualified Deferred Compensation, Key Man Life Insurance Review, and Full/Partial Sale of Business. This complimentary financial and estate planning assistance program has a value of $1,500, but once again, is offered at no cost to HBAV members.
We are honored to have this opportunity to serve the members of the HBAV. As part of the continued services you will come to expect from us, our mission is to help you achieve financial goals through trusted advice. If you are interested in proceeding with this confidential process please fill out the enclosed questionnaire to the best of your ability and return in the envelope provided. Our contact information is enclosed with this package if you have any questions.
As always, thank you for your continued trust and confidence.
Sincerely,
Allan H. Strange
Senior Vice President - Wealth Management
804-698-5955
allan.h.strange@smithbarney.com
Marc D. Cram, CFP, CLU, ChFC
Second Vice President Wealth Management
804-698-5997
marc.d.cram@smithbarney.com
Joseph L. Brockman, Jr., AAMS
Financial Advisor
804-698-5987
joseph.l.brockman@smithbarney.com
SERVICES OFFERED
Personal Financial Planning
Asset Management
Risk Management
Trust Services
Individual Retirement Planning
Estate Planning
Corporate & Executive Services
Company Retirement Planning
College Education Planning
Smith Barney
Citigroup Global Markets Inc.
Two James Center
1021 East Cary Street,
Suite 1000
Richmond, VA 23219
(804) 783.8900 (800) 544.7121
Fax: (804) 780.3861
www.strangecramgroup.com
MEET THE GROUP
Allan H. Strange, Senior Vice President-Wealth Management, Portfolio Manager
Marc D. Cram, CFP®, CLU, ChFC, Second Vice President-Wealth Management, Certified Financial Planner
Joseph L. Brockman, Jr. Financial Advisor, Financial Planning Specialist
John F. Baron, Registered Associate
Courtney C. Cole, Registered Associate
Sarah M. Hall, Senior Client Service Associate
OUR MISSION
The Strange/Cram Group of Smith Barney was founded with a simple mission: To help high net worth clients achieve their financial goals through trusted advice and unparalleled service. Our objective is to both simplify and enhance our clients financial lives by tailoring the best resources of a global financial services firm through one exclusive relationship. As a multi-disciplined team with more than 64 years of collective investment experience, we manage over $450 million in assets (as of 02/2006) for a select group of clients including individuals, families, foundations, associations and non-profit firms. These clients are long-term investors who value the breadth of our investment expertise and disciplined focus on goal-oriented results.
OUR SERVICE COMMITMENT
Building and protecting your wealth begins with a long-term strategy.
Today, the instant availability of financial news and opinion has led many investors to mistake this information for actionable advice. As a result, some investors have adopted short-term investment tactics in lieu of a sound long-term investment strategy. At the Strange/Cram Group, we believe that advice is a personal set of strategies based exclusively on the unique needs of every client. That is why we have developed a disciplined advisory approach that has helped so many clients achieve their financial goals.
§ Understanding What Makes You Unique- The first step in the investment strategy process is to clearly identify your personal financial goals, risk tolerance and time horizon.
§ Structuring Your Portfolio- Next, we will determine the proper asset allocation and diversification for your investment portfolio based on your needs and goals.
§ Selecting Optimal Investments- Once we have established your asset allocation, the Strange/Cram Group will recommend the most appropriate investment vehicles for your portfolio, which may include a combination of stocks, bonds, and/or mutual funds.
§ Monitoring Your Portfolio- To keep you on track with your financial goals, on a regular basis we will carefully review your investment portfolio and adjust your asset allocation as needed.
WEALTH MANAGEMENT
When it comes to managing wealth, your investment portfolio is just one part of an integrated strategy.
At the Strange/Cram Group, we understand the issues that face high net worth investors and their families as they seek to enhance, preserve and distribute their wealth for the benefit of future generations. Our extensive experience in serving high net worth clients enables us to offer custom advice for even the most complex of financial needs. To help you achieve your long-term goals with optimum results, our focus and capabilities extend beyond private portfolio management and encompass a highly selective suite of wealth management planning services. As trusted advisors, our role is to coordinate unique strategies into a seamless wealth management plan that addresses every aspect of your financial life and monitors your progress on an ongoing basis.
BUILDING YOUR FUTURE:
A Financial Survey
The Strange/Cram Group
of Smith Barney*
The Strange/Cram Group
1021 East Cary Street, Suite 1000
Richmond, Virginia 23219
(800) 544-7121
(804) 780-3861 fax
*Smith Barney is a division of Citigroup Global Markets, Inc.
PERSONAL INFORMATION
Date Completing Survey:
Name Date of Birth Social Security #
Client / /
Spouse / /
Home Address
City, State, ZIP Home Phone ( )
Client E-mail address
Spouse E-mail address
Client Employer Work Phone ( )
Client Title/Profession
Spouse Employer Work Phone ( )
Spouse Title/Profession
CHILDREN
Name Date of Birth Marital Status # of Children
OTHER ADVISORS
Name Firm
Accountant:
Attorney:
PLANNING OBJECTIVES
1. What are your current goals and objectives? What would you like to learn from this analysis?
2. When do you (and your spouse, if applicable) plan to retire?
3. Approximately how much annual income will you require in retirement? (Please provide a figure in todays dollars, not including taxes.)
4. Do you expect any inheritances? If so, please provide an approximate amount and time frame.
5. How is your overall health? Your spouses?
6. Please answer the following estate planning questions:
Client Spouse
Do you have a will? Yes / No Yes / No
When was it last reviewed? / / / /
Do you have a living will/advance medical directive? Yes / No Yes / No
Have you named a durable power of attorney? Yes / No Yes / No
Have you established any trusts? Yes / No Yes / No
If so, what type?
Are you the beneficiary of any trusts? If so, do you receive current income?
ASSETS (Non-Retirement Account)
Please enter the current values and owners of all of your non-qualified investments.
Do not include retirement assets, UGMA/UTMA accounts, or irrevocable trust assets.
Cash & Equivalent Client Spouse Joint
Checking/Money Mkt./Savings $_________ $_________ $____________
CDs $_________ $_________ $____________
Securities Client Spouse Joint
Stocks (Individual) $_________ $_________ $____________
BondsGovernment & Corporate $_________ $_________ $____________
BondsMunicipal $_________ $_________ $____________
Mutual FundsEquity $_________ $_________ $____________
Mutual FundsFixed Income $_________ $_________ $____________
Company Stock Options $_________ $_________ $____________
AnnuitiesVariable $_________ $_________ $____________
AnnuitiesFixed $_________ $_________ $____________
Limited Partnerships $_________ $_________ $____________
Notes Receivable $_________ $_________ $____________
Other: _______________ $_________ $_________ $____________
Real Estate Client Spouse Joint
Residence $_________ $_________ $____________
Rental Property $_________ $_________ $____________
Commercial Property $_________ $_________ $____________
Land $_________ $_________ $____________
Other: _______________ $_________ $_________ $____________
Personal Assets Client Spouse Joint
Personal Property/Furnishings $_________ $_________ $____________
Automobiles $_________ $_________ $____________
Jewelry/Art $_________ $_________ $____________
Other: _______________ $_________ $_________ $____________
RETIREMENT ACCOUNTS
Retirement Accounts
Please list the current value and annual contributions into your qualified retirement accounts, then complete the asset allocation on your current investment choices.
Client Allocation
Your Company
Value Contribution Match Stock Bond Cash
401(k) $ $ $ % % %
403(b) $ $ $ % % %
IRA (Traditional) $ $ $ % % %
IRA (Roth) $ $ $ % % %
SEP/SIMPLE $ $ $ % % %
Profit Sharing $ $ $ % % %
ESOP $ $ $ % % %
Other $ $ $ % % %
Spouse Allocation
Your Company
Value Contribution Match Stock Bond Cash
401(k) $ $ $ % % %
403(b) $ $ $ % % %
IRA (Traditional) $ $ $ % % %
IRA (Roth) $ $ $ % % %
SEP/SIMPLE $ $ $ % % %
Profit Sharing $ $ $ % % %
ESOP $ $ $ % % %
Other $ $ $ % % %
OTHER RETIREMENT INCOME
Client Spouse
Pension Income $____________ $___________
Age Income Will Start ____________ ___________
Is there a COLA (Cost of Living Adjustment)? Yes / No Yes / No
SOCIAL SECURITY
Client Spouse
Are you fully covered for Social Security benefits? Yes / No Yes / No
Age when you expect to start receiving benefits ________ ________
Amount, if known, of Social Security Benefits $________ $________
LIABILITIES
Balance Owed Interest Rate Years Remaining
Mortgage $____________ _________% ____________
Home Equity Loans $____________ _________% ____________
Other Real Estate $____________ _________% ____________
Credit Cards $____________ _________% ____________
Auto Loans $____________ _________% ____________
Investment Loans $____________ _________% ____________
Other: ____________ $____________ _________% ____________
BUSINESS PLANNING
Do you own your own business? Yes / No
If yes, please provide the name and address of the business: __________________________________________________
__________________________________________________
__________________________________________________
Briefly describe the nature of the business and its ownership structure: __________________________________________________
__________________________________________________
__________________________________________________
Your ownership percentage: _____%
Number of employees: _____
Are other family members involved, and if so, in what way?
__________________________________________________
__________________________________________________
__________________________________________________
Have you done any succession planning? Please elaborate:
__________________________________________________
__________________________________________________
__________________________________________________
CASH FLOW
INFLOW: Annual Estimated Amounts
Client Spouse
Salary $__________ $__________
Bonus (if applicable) $__________ $__________
Taxable Interest /Dividends $__________ $__________
Tax-Free Interest $__________ $__________
Business Income $__________ $__________
Rental Income $__________ $__________
Capital Gains/Losses $__________ $__________
Pension Income $__________ $__________
Social Security $__________ $__________
Other Taxable Income $__________ $__________
Other Non-Taxable Income $__________ $__________
OUTFLOW:
Basic Expenses $_______________
Mortgage
Utilities
Food
Clothing
Auto (operating/maintenance)
Medical/Dental
Insurances
Discretionary Expenses $_______________
Vacations
Entertainment/Going Out
Property Improvements
Home Furnishings
Personal Gifts
Charitable Gifts
Annual Savings (outside of company plans) $_______________
EDUCATION PLANNING
Educational Needs Analysis
Name/Age of Student School Name * Years Until Start # Years Attending
* If the School Name is not known, please identify whether it will be a Public Institution or a Private Institution.
Funds Available
Name of Type of Account Assets Expected Annual
Student (529, UGMA, etc.) Available Return Contribution
INSURANCE COVERAGE
Coverage
Client Spouse
Life Insurance
Company Group Life Insurance Coverage $_________ $__________
Personal Life Insurance Coverage $_________ $__________
- Annual Premium $_________ $__________
- Cash Value $_________ $__________
Insurance Outside of Estate (i.e. Trust) $_________ $__________
Long-Term Care
Do you have a long-term care policy? Yes / No Yes / No
Disability
If working, are you covered for disability? Yes / No Yes / No
OBJECTIVES AND RISK TOLERANCE
1. How would you classify your risk tolerance?
a. Very Conservative
b. Moderately Conservative
c. Moderate
d. Moderately Aggressive
e. Aggressive
2. How would you classify your investment objectives?
a. High Current Income - current income stream as primary target
b. Income Oriented - more emphasis on income rather than on growth
c. Balanced - moderate growth and income (stocks and bonds)
d. Growth and Income - more emphasis on capital growth than on income
e. High Growth no current income consideration
3. What is (are) your primary financial goal(s)?
a. Wealth Preservation/Emergency Savings
b. Current Income
c. Education Funds
d. Retirement Planning
e. Long Term Wealth Accumulation
f. Minimizing Taxes
The Strange/Cram Group
References
1. Mr. Michael L. Toalson (804) 644-0317
Homebuilders Association of Virginia
707 East Franklin Street
Richmond, VA 23219
2. Mr. John Tribett (757) 474-0888
Napolitano Enterprises Inc.
4099 Foxwood Drive, Ste. 200
Virginia Beach, VA 23462
3. Mr. Anthony Clatterbuck (540) 825-1600 x108
Graystone Homes, Inc.
1202 Orange Road
Culpepper, VA 22701
4. Mr. Michael P. OHara (757) 424-5722
Armada Hoffler Holding Co.
222 Central Park Avenue, 2100
Virginia Beach, VA 23462
5. Mr. R. Brian Mullins (757) 242-4005
Quality Homes, Inc.
P.O. Box 450
Windsor, VA 23487
6. Mr. Michael B. Chaney (804) 271-0663
James River Exteriors, LLC
7811 Iron Bridge Road
Richmond, VA 23237
Posted: 01-Aug-2006
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Insurance
Anthem Value Added Benefits Program
Membership Offers Additional Benefits on
Anthem Blue Cross and Blue Shield Health Plans
If you are a member of the Home Builders Association of Virginia and you have between 2 and 99 employees - you are eligible to receive additional value added benefits from Anthem Blue Cross and Blue Shield for your employees and their families.
What does it cost?
You do not have to pay any additional premiums for these value-added benefits. Once you sign up for Anthem health insurance (at the determined premium level) - and indicate you are a member of the Home Builders Association of Virginia these value-added benefits will be included in your plan at no additional premium cost.
What do we get?
If your group offers Anthem’s KeyCare/ BlueCare copayment plan, members get Preventive Care and Routine Wellness at 100%. This includes an annual check-up, an annual gynecological exam and pap test, and annual mammogram for members age 35 and over, an annual colorectal cancer screening, an annual prostate exam and prostate specific antigen (PSA) test for men 40 and over and up to $200 per calendar year for members age 7 and over for additional routine immunizations, labs and x-rays done in connection with annual check-ups. Members pay no copayment, no deductible and no coinsurance. You also receive a Supplemental Accident Coverage covering 100% of the first $750 of allowable charges, and a Hearing Discount Program.
If your group offers Anthem’s KeyCare HSA plan, members get Preventive Care and Routine Wellness at 100%. This includes an annual check-up, an annual gynecological exam and pap test, and annual mammogram for members age 35 and over, an annual colorectal cancer screening, an annual prostate exam and prostate specific antigen (PSA) test for men 40 and over and up to $200 per calendar year for members age 7 and over for additional routine immunizations, labs and x-rays done in connection with annual check-ups. Members pay no co-payment, no deductible and no coinsurance. You also receive a Hearing Discount Program.
If your group offers Anthem’s BlueCare deductible plan, members get Preventive Care and Routine Wellness at 100%. This includes an annual gynecological exam and pap test, and annual mammogram for members age 35 and over, an annual prostate exam and prostate specific antigen (PSA) test for men 40 and over. Members pay no copay, no deductible and no coinsurance. You also receive a Supplemental Accident Coverage covering 100% of the first $750 of allowable charges, and a Hearing Discount Program.
If your group offers Anthem’s HealthKeepers, Inc. (HMO) – copayment plans, members get a $100 reduction to the per admission copayment for in-network hospital services, a Chiropractic benefit rider and a Hearing Discount program.
If your group offers Anthem’s HealthKeepers, Inc. (HMO) – coinsurance plans, members get a Chiropractic benefit rider and a Hearing Discount program.
Why do it?
By offering an Anthem Blue Cross and Blue Shield plan, you can enhance the benefits you receive with no additional premium costs.
How do I get more information?
Contact Patrick Martin or Seth Savoy with Manry Rawls Corporation at (804) 751-0600, your local agent or Suzanne Stewart, Associations Account Executive at Anthem Blue Cross and Blue Shield at (800) 248-4158 ext. 43952 or (804) 354-3952. They can help answer questions you might have regarding the special health insurance benefits available through the Home Builders Association of Virginia. If you already offer an Anthem plan, give them a call to find out how you can add these benefits to your plan at no additional cost.
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AFLAC®
AFLAC, a Fortune 500 Company, is a leading writer of voluntary insurance coverage marketed at the worksite in the United States, offering policies to employees at more than 270,000 payroll accounts.
An employer may provide medical insurance benefits, but these benefits will not cover such costs as deductibles, loss of earning power and other out-of-pocket expenses associated with an illness or accident. AFLAC’s policies are designed to pay cash benefits directly to you, unless you choose otherwise. These cash benefits can be used to help fill the gaps in your primary health care plan.
With AFLAC’s insurance policies, you choose the types of coverage you want and pay for them through the convenience of payroll deduction. And because your premiums can be paid on a pre-tax basis, you may save tax dollars or even be able to add benefits without affecting your take-home pay. Moreover, all of AFLAC’s policies pay benefits regardless of any other insurance you may have.
AFLAC's policies include:
Accident Protection w/Disability
Cancer
Dental
Hospital Confinement Indemnity
Hospital Confinement Sickness Indemnity
Hospital Intensive Care
Life
Long-Term Care
Short-Term Disability
For additional information please click here, www.richmondaflac.com to access AFLAC Richmond’s website or contact Dennis Krisnow and Elizabeth DeBold at (804) 752-0089 (or fax 752-0086.)
Posted: 25-Apr-2005
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YOUR NAHB MEMBERSHIP CAN TAKE
YOU FOR A GREAT RIDE.
SPECIAL PRICING. As the exclusive automotive partner of the National Association of Home Builders, GM is pleased to provide GM Supplier pricing to qualified NAHB members.
Purchase or lease a new 2004, 2005 or 2006 model year GM vehicle, and receive terrific savings reserved for our select corporate suppliers—on top of most current consumer incentives.
This program runs February 1, 20067 through January 2, 2008.
WIDEST VEHICLE SELECTION. With more than
80 models, GM offers the widest vehicle style selection of any manufacturer. And you’ll get GM Supplier pricing on many Chevrolet, Pontiac, Buick, Cadillac, GMC, Saturn, HUMMER(excludes H1) and Saab passenger cars, along with light-duty
trucks, vans and SUVs.
So whether you’re looking for a new
work vehicle or a luxury sedan, you’re sure to find a great deal at a local GM Dealer.
EASY TO SHOP. Visit gmfleet.com/nahb to review GM
Supplier pricing, plus current consumer incentives on vehicles equipped to your specifications .The pricing example on the left
demonstrates how this offer can add up to a great value.
NAHB MEMBERS/GM FLEET CUSTOMERS.
If you qualify as a GM Fleet Customer, you are eligible for the NAHB 2005 Business Partner Program2 in lieu of GM Supplier pricing. See your participating dealer for Fleet qualification
guidelines and vehicle eligibility.
GM SUPPLIER PRICING EXAMPLE
2005 Chevy Silverado 1500 Z71 Crew Cab Standard Box with available equipment
MSRP (sticker price on vehicle)$35,585.00
GM Supplier discount price
$31,635.37
Total NAHB member value: $3,949.63
PLUS: Combine with applicable current incentives
for an even greater value.
Posted: 25-Apr-2005
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Nash Construction, Inc- Gary Nash
Valley Ready Mis- Bobby Dunigan
Posted: 03-Jan-2005
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February 2008
Custom Plumbing Serv., Inc.
Geologic & Soil Services
Hillis-Carnes Engineering Assoc.
March 2008
Colonial Distributers
April 2008
Wachovia Bank
Westco Builders, Inc.
May 2008
84 Lumber
Awesome PerformanceInsulation
Cabell Bankers Insurance
Countrywide Home Loans
Creative Homes by Design
Crider Shockey
Culpeper Petroleum
D & W Geotech Testing
ECS Mid Atlantic
Faulconer Construction
First Colony Homes
J P Morgan Chase
K. Hovnanian Homes
Mar Concrete Corp.
Quaility Pest Control
Roper Brothers Lumber
Second Trust & Bank
VA Commerce Bank
VA Community Bank
Wise Guys Contracting
Wortman Mechanical
Posted: 17-Nov-2004
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Join a PVBIA 2008 Committee
The Best Opportunity You Will Have to Support
Your Association Is to Participate on One or More of the Following Committees.
Please Help Shape the Future of the PVBIA!
Please Print
Name_____________________________________________
Company Name_____________________________________
Address__________________________________________
City_____________________________________________
State______ Zip_________________
Phone#___________________________________________
Fax#_____________________________________________
Email____________________________________________
Committee Chairman
1. Legislative- Walter Cheatle, Sr. Trigon Development
This committee stays abreast of local issues that affect the building industry. They work with local government to try to bring about change that is satisfactory to members and the local government.
_____YES _____NO
2. Education-
Plans and organizes educational seminars. Delivers important educational news to the membership via the newsletter and website.
_____YES _____NO
3. Associate- Laura Newman- Real Estate III Commercial Properties
Projects PVBIA’s image. Plans and organizes special meetings and social events and works closely with the Programs/Social Committee.
_____YES _____NO
4. Membership- Ron Johnson- Rappahannock Electric Coop
Coordinates increasing membership through membership drives and works on retention of current members.
_____YES _____NO
5. Program/Social- Dan Williams
Coordinates programs for the monthly membership meetings and arranges speakers. Plans Special Events such as Holiday Dinner and Family Potluck Picnic.
_____YES _____NO
6. Golf-
This committee is responsible for the golf tournaments, including organization, operation, door prizes, and sponsors.
_____YES _____NO
7. Community Outreach- Kevin Shreiner
Organizes events that the PVBIA membership participates in to benefit the community. Responsible for annual school supply drive, Thanksgiving, and Christmas dinner donations.
_____YES _____NO
8. Programs Committee-Dan Williams
Projects PVBIA’s image. Plans and organizes special meetings and social events and works closely with the Associates Committee and Education Committee.
_____YES _____NO
You may mail this form to:
PVBIA
P O Box 897
Culpeper, VA 22701
or contact the Committee Chairmen below.
JOIN A PVBIA COMMITTEE
2008 VOLUNTEERS NOW BEING ACCEPTED
Legislative Committee Chairman–
Walter Cheatle, Sr.
540-727-0100
wcheatle@trigondev.com
Education Committee Chairman–
Membership Committee Chairman–
Ron Johnson
540-727-2131
rjohnson@myrec.coop
Golf Committee Chairman–
Community Outreach Committee Chairman–
Program/Social Committee Chairman–
Dan Williams
703-631-3430
dan.williams@dewberry.com
Be a part of something special.
Help shape the future of the PVBIA.
Posted: 17-Nov-2004
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