1. A r'~VAMERICAN
COLLEGE
THF lfADER IN FINANCIAL SERVICES EDUCATION
LAURENCE BARTON. CAP-, PhD
PRESIDENT AND CHIEF EXECUTIVE OFFICER
June, 2011
Ernesto Espinosa, LUTCF
1 Alhambra Plz Ste 5
Coral Gables, FL 33134-5231
Dear Ernesto:
It is with great pleasure that we congratulate you on the successful completion of your LUTCF studies, You have
met all the requirements for the designation conferred jointly by The American College and the National
Association of Insurance and Financial Advisors (NAIF A), You may begin using your designation July I, 20 II.
Your LUTCF diploma will be sent directly to you in approximately six to eight weeks. Please communicate with
your local NAIF A Association Chair for any details on presentations at an association meeting or appropriate
ceremony.
The enclosed materials provide you with guidelines on the usage of your designation on business cards and
stationery. In addition, we have included information about personalized announcement cards, press releases and
more. Also enclosed is a copy of the LUTC Fellow Pledge.
We encourage you to stay connected with your College and NAIFA throughout your career and become actively
involved in both The American College Alumni Association and your local NAIFA Association.
Congratulations on achieving this milestone in your career. As you think about your next step in your professional
development, consider additional LUTCF, FSS or other American College courses. They can help you meet your
continuing education requirements as well as to lead to other professional designations.
Best wishes for continued success.
Sincerely,
Laurence Barton, CAP®, PhD
President and Chief Executive Officer
The American College
Susan B. Waters
Chief Executive Officer
NAIFA