Payne Financial Services, Inc.

<body bgcolor="#FFFFFF" leftmargin="15" topmargin="0" marginwidth="15" marginheight="0" background="/graphics/M/T3mainback.jpg"> <table width="570" border="0" cellspacing="0" cellpadding="6"> <tr><td align="center" valign="top"> <img src="/files/6906/KevinPayne.jpg" alt="Payne Financial Services, Inc." height="225" width="180" border="0"> </td><td align="left" valign="top"> <div align="left"><font face="Verdana, Arial, Helvetica, sans-serif"><b></b></font></div> <div align="left"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"></font></div> <table border="0" cellspacing="0" cellpadding="6"> <tr> <td><font face="Verdana, Arial, Helvetica, sans-serif"><b><font size="3" color="#003399"> Payne Financial Services, Inc.</font></b></font></td> </tr> <tr> <td><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b> I help you find solutions to life's uncertainty</b></font></td> </tr> <tr><td><font face="Verdana, Arial, Helvetica, sans-serif" size="2">Lyndon, KS 66451-0636<br>Phone 1-888-282-8066<br>FAX 1-785-828-4296<table border="0" cellspacing="0" cellpadding="0"> <tr><td colspan="2" valign="top"><font face="Verdana, Arial, Helvetica, sans-serif" size="2">Email: </font></td> </tr><tr> <td colspan="2" valign="top"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><a href="mailto:klpayne@ft.newyorklife.com">klpayne@ft.newyorklife.com</a><br></font></td></tr></table></font></td></tr> </table> </td> </tr> <tr> <td colspan="2" valign="top" align="left"> <p><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><p>As with most other things in life, the key to achieving your long-term financial objectives is planning. Your goal may be to fund your children’s college education, protect your family during your working years, or guarantee your own retirement security. These things won’t happen by accident. It’s important to determine what you’d like to achieve financially and then map out a strategy that will help you meet those goals. The good news is that it’s never too late to start.</p> <p>I am the Authorized Representative for the AVMAGHLIT program for Kansas and the School representative for Kansas State University. Through this program we provide insurance products to Veterinarians and Veterinary students. These products include 16 different health plans, disability insurance both long term and short term, life insurance, accidental death and dismemberment insurance, hospital indemnity, specific coverage's for student life and health insurance, There are also plans for long term care and dental offered through Healthplan Services for veterinarians.</p> <p>If you are a veterinarian, I offer a unique benefit to you by being able to bring the benefits of insurance products offered by your association with the AVMAGHLIT as well as other products and services. See the "Our Products" Link above on the Left side. Start with a review of you current coverage to see that you are not spending too much and have no gaps in your protection. I can also help you review your options when looking into becoming a partner in a practice or when purchasing a practice. See the "Business Solutions" Link above, Left side. You may also want to see our article in the JAVMA Journal Dated 4/15/06 under Insurance. Please take some time to explore my web site and see what all we have to offer.</p> <p>Please use this list below as a guide for times that will be beneficial for you to be in touch with me. </p> <p>You should call me if:</p> <p>1. You go into debt of any kind</p> <p>2. You change jobs</p> <p>3. You retire or consider retiring</p> <p>4. You receive an inheritance</p> <p>5. Interest rates go up or down in a substantial way</p> <p>6. The stock market goes up or down in a substantial way</p> <p>7. If you pay taxes on your Social Security Benefits</p> <p>8. If you have to pay the Alternative Minimum Tax, (AMT)</p> <p>9. You get married</p> <p>10. You get divorced</p> <p>11. You have a child</p> <p>12. You buy a home</p> <p>13. You start a business</p> <p>14. You win the Lottery</p> <p>15. You have a catastrophic illness such as a heart attack, stroke, or cancer</p> <p>16. You have a legal settlement</p> <p>17. Before you take Required Minimum Distributions, (RMD's)</p> <p>18. Something financial keeps you awake at night</p> <p>19. You want to leave assets, (money/real estate) to family members, grand children or charities</p> <p>20. You are concerned about your estate and the planning there of</p> <p>21. You have more than $100,000.00 in all your bank accounts</p> <p>22. You are concerned about protecting assets from creditors/liability</p> <p>23. A family member has a child who has a life altering disablity</p> <p>24. You are concerned about nursing home care, (especially if you are under age 60!)</p> <p>25. Or you just want someone to talk to or yell at!</p> <p> </p> <p>Thanks for stopping by,</p> <p>Kevin L. Payne, LUTCF, Member MDRT <br /> <br /> <br /> <br /> <br /> Please use our Web site as a resource, and do not hesitate to <a href="/contact_form.cfm"><strong>contact us </strong></a>for additional information or to schedule a meeting. Thank you for your interest. <br /> <br /> <br /> <br /> <small>Kevin L. Payne is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of KS. No insurance business may be conducted outside the state referenced.<br /> <br /> <br /> <br /> Kevin L. Payne is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, 116 E. 7th Lyndon, KS 66451 Member <a target="_blank" href="http://www.finra.org" onclick=javascript:open_window('NYLdisclaimer.html') target=_blank>FINRA</a>/<a target="_blank" href="http://www.sipc.org" onclick=javascript:open_window('NYLdisclaimer.html') target=_blank>SIPC</a>, A Licensed Insurance Agency. In this regard, this communication is strictly intended for individuals residing in the state of KS. No offers may be made or accepted from any resident outside the specific state referenced.<br /> <br /> <br /> <br /> Payne Financial Services is not owned or operated by NYLIFE Securities LLC or its affiliates.<br /> <br /> <br /> <br /> <br /> </small><br /> <br /> <br /> </p></font></p> </td> </tr> <tr><td colspan="2"><table border="0" cellpadding="0" width="100%"><tr> <td align="center" valign="top"> <table border="0" cellpadding="0" width="100%"> <tr> <td colspan="2" width="225" height="32" valign="bottom"><img src="/graphics/M/TA11_Account_Access_Header.gif" width="225" height="32" border="0" alt="Account Access"></td> </tr> <tr> <td width="14" background="/graphics/M/TA11_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <form name="access_links"> <select name="target_link" onChange="javascript:new_window(document.access_links.target_link.options[document.access_links.target_link.selectedIndex].value,'800','600'); self.document.access_links.target_link.selectedIndex=0"> <option value="null.htm">Choose a site... <option value="https://www.vsc3.newyorklife.com/VSCWebApp/login">Account Summary <option value="https://www.vsc3.newyorklife.com/VSCWebApp/login">Life Insurance and Annuities <option value="https://www.mystreetscape.com/my/NYLIFEsecurities">NYLIFE Securities <option value="http://www.nylim.com/mainstayfunds">MainStay Mutual Funds <option value="http://www.nylim.com/retirement">NYLIM Retirement Services <option value="http://www.upromise.com/newyorklife">Upromise </select> </form> </td> </tr> </table> </td> <td align="center" valign="top"> <table border="0" cellpadding="0" width="100%"> <tr> <td colspan="2" width="225" height="32" valign="bottom"><img src="/graphics/M/TA11_Personal_Folders_Header.gif" width="225" height="32" border="0" alt="Personal Folders"></td> </tr> <tr> <td width="14" background="/graphics/M/TA11_r2_c6.gif"> </td> <td valign="top" width="211"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><a href="http://www.newyorklife.com/cda/0,3254,11266,00.html" onclick="javascript:infobox('http://www.newyorklife.com/cda/0,3254,11266,00.html','800','600'); return false;" target="_blank"><font color="#000000">Log in or create</font></a> a Personal Folder</font> </td> </tr> </table> </td> </tr></table></td></tr> <tr> <td align="center" colspan="2" height="19"><hr color="#003399"></td> </tr> <tr> <td colspan="2" height="28"> <table border="0" cellspacing="0" cellpadding="4" align="center"> <tr> <td align="center" width="25%" valign="top"> <a href="index.cfm?type=N&source=content.cfm?ID=1341" target="_top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="2" color="#000000"><b>The Trouble with Timing</b></font></a></td> <td align="center" width="25%" valign="top"> <a href="index.cfm?type=N&source=content.cfm?ID=1355" target="_top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="2" color="#000000"><b>Six Times More Likely</b></font></a></td> <td align="center" width="25%" valign="top"> <a href="index.cfm?type=N&source=content.cfm?ID=1378" target="_top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="2" color="#000000"><b>Define Your Own Benefits</b></font></a></td> <td align="center" width="25%" valign="top"> <a href="index.cfm?type=N&source=content.cfm?ID=1380" target="_top"> <font face="Verdana, Arial, Helvetica, sans-serif" size="2" color="#000000"><b>In a Category All Its Own</b></font></a></td> </tr> </table> </td> </tr> <tr> <td colspan="2"> <div style="font-family: Arial, Helvetica, sans-serif; font-size: smaller; text-align: center;"> <br> Securities offered by properly licensed registered representatives of NYLIFE Securities LLC (member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>). <br> <a href="http://www.paynefinancialservices.com/files/NYLDBAdisclaimer.htm" TARGET="_blank"> Copyright 2009. All Rights Reserved. </a> <br> <a href="http://www.paynefinancialservices.com/files/NYLDBAPrivacyPolicy.htm" TARGET="_blank">Privacy Policy</a> </div> </td> </tr> </table></div></body></html>