The summary provides an overview of the key points from the newsletter of Navigon Financial Group: 1) The president congratulates the agency for exceeding their first half sales goals and many individuals meeting their personal goals. 2) He encourages those not on track to assess how to have a strong final six months to meet their annual objectives. 3) The third quarter is described as the "moving quarter" when agents can position themselves to achieve their personal goals for the year.

1. Company
LOGO
The Navigator
Volume 1, Issue 2
Agency Newsletter for
Navigon Financial Group, Inc.
2nd Quarter 2010
R. Graham Self, CLF, LUTCF
President
Planning your tomorrows… today

2. Company
LOGO
Contents
Message from the President
I want to congratulate the entire Navigon family on a great first six months of 2010! As an
agency, we finished mid-year at 104% of our objective. That objective was an increase of
$500,000 over prior year by Penn Mutual, so all of you are to be congratulated on a great
team effort!
From an individual standpoint, many of you are ahead of prior year and ahead of your own
personal goals; I want to congratulate each one of you in regard to your performance year-to-
date!!
For others of you, it's time to sit back and assess how to approach the final six months of the
year to get back on time.
In golf the third round is considered "moving day". It's when players make their move to get
into contention to win the tournament. In our business the third quarter is really the "moving
quarter". It's the time that you can make your move to position yourself to reach and obtain
your own personal goals and objectives.
As we enter the third quarter, good luck to each of you on making that move to reach and
obtain your personal goals and objectives and continuing to provide the services and
products for your clients that they need.
Again congratulations to everyone on a job well done through the end of June.
Sincerely,
Graham “It's the time that you can make your move to position
yourself to reach and obtain your own personal goals
and objectives.”

3. Company
LOGO
Welcome New Associates
Raleigh Office
Heather Reeves
Heather Reaves joined Navigon in the spring of
2010 after working as Director of Client Relations
for Pinehurst Capital, in Pinehurst, NC. She is
pleased to work with Navigon because of the
knowledgeable and diverse background of advisors
at Navigon and the environment to make a positive
difference for clients. She is excited to help clients
create plans, protect themselves and loved ones
and pursue their financial dreams.
Heather is a 2007 graduate of Appalachian State
University with a Bachelors Degree in Recreation
Management. After graduation, she followed her
entrepreneurial dream of opening an art studio in
Boone, NC. This experience taught Heather the
importance of financial stability and growth, and
applies this knowledge when working with clients.
She is an advocate for educating families and
women about their finances, how it affects their
everyday life, and their future. She pulls from the
wide background of other advisors at Navigon to
create the best situation possible for each client.
Heather splits her time between her home town,
Seven Lakes, NC and Cary, NC. She enjoys sailing,
running, and reading in the sun.
John Holding
John N. Holding III was born and raised in Raleigh, NC
where he graduated from N.C. State University with a
Bachelor of Science in Business Finance. He currently
resides in Raleigh with his wife, Jennifer.
John began his financial career in 2007 as a Financial
Services Representative at SunTrust Bank. His
banking experience taught him the importance of
providing quality service and building trust with his
clients. John currently works with his grandfather, W.
Casper Holroyd, Jr. as part of his life insurance team
that was started in 1971 in Raleigh. He is excited to be
working with Navigon as he continues his development
in the financial industry.
John is an avid golfer and has a great passion for all
sports. He regularly attends N.C. State basketball and
football games and has been an Atlanta Braves fan
since childhood. He enjoys traveling, his volunteer work
with the youth at Hayes Barton United Methodist
Church, and the time he spends with family and friends
as well as his two dogs.
John is Life and Accident & Health licensed in the state
of North Carolina.
(Currently working to get Series 6 and 63)
Richmond Office
Gary Cason
Gary Cason joined Navigon in 2010.
Throughout his 20 years in the financial
services industry, Gary has focused on
insurance and investment planning for small
business owners as well as individual
investors. Gary’s industry experience gained
through positions held at Allstate Financial
Services as well as his own firm has made him
able to identify the financial and emotional
objectives of his clients.
Gary graduated from Old Dominion University
with degrees in Political Science and Public
Administration as well as Law Enforcement
and Criminal Justice.
Gary is a dedicated family man and active in
his community. He and Lois, his wife of 42
years, have four children and eight
grandchildren. Gary is a member of the
National Association of Insurance and
Financial Advisors. He is also affiliated with
several organizations in his community
including the Franklin/South Hampton
Chamber of Commerce, the Chesterfield
Chamber of Commerce, the Alzheimer’s
Association – Advisory Board, and is a current
board member of Norfolk Christian Schools.
Gary is retired from the U.S. Army Reserves,
where he earned the rank of Major. In his
spare time, Gary enjoys racquetball, golf and
spending time with his family.
Roanoke Office
Mark Hale
Mark Hale joined Navigon in 2010. Mark has been in the
financial services industry for 17 years, specializing in
assisting individuals and business owners meet their
financial objectives. Mark’s industry experience gained
through sales and management positions at Farm
Bureau Insurance Company, Prudential and Allstate has
given him the skills to develop strategic financial plans,
allowing him to meet his clients’ life insurance,
retirement, savings and investment objectives.
Mark graduated from Randolph Macon College, in
Ashland, VA with a degree in Business and Economics
in 1992, and he has also earned his LUTCF (Life
Underwriter Training Council Fellow) designation.
Mark is very active in his community and participates in
various organizations throughout the Roanoke Valley.
He is a member in good standing of both NAIFA
(National Association of Insurance and Financial
Advisors) and C12, a Christian CEO and Business
Owners ministry group. Mark is a member of Thrasher
Memorial United Methodist Church and performs
outreach work through KAIROS Prison Ministry. He has
been a qualifying member of the Million Dollar Round
Table for the past five years, was a four year member of
the Allstate Financial National Advisory Board, and a
committee member of the Allstate Foundation for
Domestic Violence Project for the development of
Economic Empowerment. In his spare time, Mark enjoys
spending time with his wife, Terena and their three
children, and coaching Little League football, baseball
and basketball for the Vinton Youth Sports Booster Club.

4. Company
LOGO WORTH
The Ugly Truth
•8 out of 10 women will one day be solely
responsible for their finances (due to divorce,
death of their spouse, etc)
•9 out of 10 women feel financially insecure
•3 out of 10 women don’t know where to begin
but are eager to learn
•7 out of 10 women fire their financial
professional/advisor within a year of being
widowed
•2 out of 10 women teach their children about
finances
Source: Allianz Life Study; “Do you ‘get’ female
investors” article by Tracy Flaherty for Investment News
“Oh, if I could but live another century
and see the fruition of all the work for
women! There is so much yet to be
done.” Susan B. Anthony

5. Company
LOGO
All of you know someone, maybe someone in your family, or a friend or business acquaintance, that currently has a need for a significant
amount of care as a result of an illness or accident.
The care may eventually be at a nursing home, but all to often must first occur at home. Most families think they can help their loved one
get dressed everyday, or assist with feeding them a meal, help them get in and out of bed and do all of the other things they can no longer
do themselves. But, they realize at some point that the required amount of care doesn’t end and the family wears down physically,
emotionally and financially.
It is an unfortunate, yet a very real life situation that requires a great deal of strength, commitment and financial resource. Not everyone
has this kind of strength and its nothing to be apologetic about. Fewer have the necessary resources and run through what they have too
quickly, even with good medical coverage.
About 5 years ago, an auto accident caused someone in my family to need this kind of care and there was no long-term care coverage and
no permanent life insurance to the family to fall back on.
Medical insurance didn’t cover all the things that needed to be done. For example, there was the cost of building a 1st floor bedroom and
bathroom to make the living quarters wheelchair assessable. The auto insurance reimbursement for the damaged car didn’t approach
what it cost to buy a handicapped van. Then there were the emotional costs of having to care for someone who was strong as a bull just a
short time ago. Now, someone needs to be there much of the time during working hours. Early retirement for the spouse is just out of the
question, since continued health insurance is critical. A safety net, some additional source of money would have been comforting.
Later this year, Penn Mutual will be introducing a Chronic Illness/Cognitive Impairment Rider that will provide a safety net and piece of mind
for those who purchase permanent life insurance coverage of the following policies:
•Flexible Choice Whole Life
•Accumulation Builder II IUL
•Diversified Growth Variable Universal Life
•Guaranteed Protection Universal Life
•Survivorship Plus Universal Life
(Rider can be exercised after the death of the first insured)
There is no cost for this Living Benefit, unless and until an acceleration of the death benefit is paid. It is not long-term care and should not
be considered a substitute for a quality long-term care policy. But, if the insured’s condition qualifies and the policy sold is eligible, an
amount of money can be there in the future, for whatever the need may be, including the addition to a home if that’s what is needed. The
rider is another of the living benefits of a permanent life insurance policy, just as a partial withdrawal and/or a no questions asked loan can
provide emergency cash or supplemental income. Withdrawals and loans will have less impact on policy values than exercising the
chronic illness rider, but this new rider can be a critical source of funds, after careful consideration of its impact, when a loan or withdrawal
just can’t meet the need.
And, if in-force customers of the policies shown above, request the rider, depending on state approvals and policy eligibility, they can add it
too.
More details will be available later, but this rider is already approved by North Carolina and is another excellent reason to buy permanent
coverage now from a financially strong mutual company like Penn Mutual.
A New Permanent Life Insurance Living Benefit
By Fred Karp
© 2010 The Penn Mutual Life Insurance Company and The Penn Mutual Insurance & Annuity Company, Philadelphia PA 19172,
www.pennmutual.com.
A0JC-0628-01
For Producer Use Only. Not for use in sales situations.

6. Company
LOGO Experience Terranea!
2010 Penn Mutual Leader’s Conference
Compensation
Support
May 31st
May 31
John Watson, III, Lisa Hardy
& Graham Self
Graham & LuAnn Self
Martin Hardy & Frank Oley
Frank Oley & Susan Wolf
Graham Self, John Watson III, Ron Adams
LuAnn Self, Lisa Hardy, Martin Hardy, Laurie Watson, Kristin Adams
Thanks to Graham Self & Frank Oley for their photo contributions!
“The Leader’s Conference was a wonderful mix of business
and pleasure. The conference was a superb way to
recharge yourself both personally and professionally.
Along with information sessions and networking with
colleagues, there was plenty of time for fun and relaxation.
All of the details of the conference were organized so you
could enjoy every aspect worry free. If you haven’t had the
opportunity to experience a Leader’s Conference, I
encourage you to work toward the goal of attending. Work
hard so you can see Mickey next year.”
Frank Oley
Just a few thoughts to reiterate the importance of making club. Beside the obvious – if you’ve
qualified for club you’ve made some good money - there are so many other attributes to
mention. The first of which is camaraderie with other agents. Some of my closest contacts in
the business are other agents whom I have seen year after year at club, for the last 25 years.
You get to know them and their families and share time and commonalities. You realize that
your struggles and successes are theirs as well. Secondly is education. The breakout
sessions daily are filled with useful ideas and information that you can actually apply to your
business when you return home. These sessions are hosted by the “best” in our company and
the industry. Another great thing about PMLA is the trip itself. The locations and the hospitality
are unbelievable. The dinners and parties are top notch, and the staff does a great job with
organizing the events. If you love golf – let’s see…last year, Trump National. A couple of years
ago, Kauai Lagoons! Need I say more? Lastly and most importantly, you get the opportunity to
meet and really get to know the top management of Penn Mutual and HTK. You quickly realize
the quality of people they are, from Bob Chappell and Michelle Barry on down. They do truly
care about you and your success, and are committed to you as an agent and as a person.
Attending these conferences and meetings, you do feel that you are part of a special company
that is unique in our industry.
So, I urge you to work hard and qualify for PMLA this year. Once you do, I doubt you will miss
another one in the future!
Happy Selling! Martin Hardy

7. Company
LOGO Event Calendars for
July, August & September
*Anniversaries-Blue *Birthdays-Red *Company Holidays-Green
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
1 2 3 Bruce Lunsford
4 5 Independence
Day (Observed)
6 7 8 9 10
11 12 Denise Lee
Jan Lawson
13 Timothy Schade 14 15 16 17
18 19 John & Tracy
Watson, IV
20 Tim & Faye
Congleton
21 22 23 24 Buddy
Sanderson
25 26 John Barnes
Faye Congleton
Bryan Earwood
27 28 Barbara Perkins 29 30 31
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
1 2 3 Sarah Benson 4 5 6 Greg & Cindy
Earwood
Graham & LuAnn
Self
7
8 9 Haileigh Hines 10 11 12 13Melinda
Sanderson
14
15 16 17 Benjamin
Schade
Munsey Slack
18 19 20 Gerri Williams 21
22 23 24 25 26 Julian
Sanderson
27 28
29 Carlos &
Angelite Mims
Felicia Sanderson
Lily Self
30 Doug Scoggins
Jill Schade
31
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
1 2 3 Coit Slack
JaQuan Chisolm
4
5 6 Labor Day
Nicole & Scott Avery
Michael Oley
7 Christian Howes 8 9 10 David Hoyle 11
12 13 14 John &
Laurie Watson, III
Keith Propes
15 16 17 18 Carlos Mims
19 20 21 22 23 Josh Self
Jennifer Gibson
24 25
26 Munsey &
Teresa Slack
27 Matt Schade 28 Ron Adams 29 30
July 2010
August 2010
September 2010

8. Company
LOGO
We’re on the Web!
Visit us at:
www.navfin.com
First we will be the best;
then we will be First!
Navigon Financial Group, Inc.
Raleigh Agency
1009 Slater Road, Suite 210-A
Durham, NC 27703
Phone: 1-866-628-4466
Fax: 919-941-6263
Richmond Agency
4701 Cox Road, Suite 330
Glen Allen, VA 23060
Phone: 804-
290-7979
Fax: 804-290-8093
Greensboro Agency
3816 North Elm Street, Suite A
Greensboro, NC 27455
Phone: 800-822-1086
Fax: 336-379-8349
Charlotte Agency
4600 Park Road
Suite 300, Office 310
Charlotte, NC 28209
Phone: 919-815-0725
Fax: 704-527-0870
Poquoson Agency
360-C Wythe
Creek Road Poquoson,
VA 23662
Phone: 757-868-7130
Fax: 757-868-7132
Roanoke Agency
24 Church Avenue SE
Suite 203
Roanoke, VA 24011
Phone: 540-266-7545
Fax: 540-400-6828
Please remember to check the Producer’s Place calendar for
upcoming events & conference calls!