Ernesto Espinosa has successfully completed the requirements for the LUTCF designation from The American College and the National Association of Insurance and Financial Advisors. He may begin using his designation starting July 1, 2011. The letter congratulates Ernesto and provides guidelines for using the designation on business cards and stationery. It encourages him to stay connected with The American College and NAIFA throughout his career and consider additional courses to help with continuing education requirements.