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Brendan Payne, Director, Western Region, JD, LLM
A tax expert, Payne has worked in the annuity industry for more than a decade. He has a knack for turning complex client situations into easy-to-understand sales strategies. He earned a JD from Western New England University School of Law and a LLM in taxation from the University of Denver.
Val Sender, Associate Director, ChFC®, MBA, CLU®, CFS®
With his more than 20 years in the  nancial services industry,
Sender knows how to motivate and educate  nancial professionals
on how to drive sales. He has in-depth knowledge of  nancial products.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. National Sales Consulting 5


































































































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