Grow your career . . . your life
Since 1857, Northwestern Mutual has been helping people protect against financial risk and achieve financial security. The Bender Financial Group is proud to be part of that tradition.
John Philip Bender, Managing Partner
The ambition of Managing Partner, John Philip Bender is to make a positive impact on all associates and their clientele by creating an environment of desire, confidence, consistency, and positive results.
Education, motivation, and empowerment are the tools by which this office enables its associates to envision and fulfill a successful future to better serve its clients.
With 141 representatives, The Bender Financial Group is a strong, growing business as evidenced by its most recent financial highlights.
The mission of John Philip Bender and The Bender Financial Group is to provide its clients with expert guidance and innovative solutions that are right for each client. Whether focused on personal finances, business needs or both, they help clients understand their financial goals and ensure they are providing them with the right guidance and products to meet their needs.
Northwestern Mutual Financial Network brings together the skills of representatives, the expertise of advisors and the technical know-how of a number of financial specialists to provide solutions for clients' financial goals and help you gain access to the products and services of a wide variety of organizations—each of which has a comprehensive understanding of a specific aspect of financial services.
And through The Network and The Bender Financial Group, here are just a few of the products and services available to your clients:
Our Expertise
Just as your clients trust and rely on you to provide needs analysis and innovative solutions, you can trust and rely on The Bender Financial Group, The Bender Financial Group and the Network to provide sound products and services for your clients.
You might conclude that no one person can be an expert in all financial matters. We agree. That's why we provide you and your clients with access to a nationwide network of representatives, advisors and specialists who will work with you to provide a full range of services.
At The Bender Financial Group, our expertise includes:
Employee and Executive Benefits
Investment Services
Business Needs Analysis
Personal Needs Analysis
Disability Income Insurance
Advanced Planning
Estate Analysis
Long-Term Care
Diversity
At The Bender Financial Group, we are committed to reflecting our community and seek talented individuals who share our core values. As part of our overall growth strategy, we are committed to building and fostering a diverse organization of network representatives and specialists. We do so without regard to gender, race, color, national origin, ethnicity, religion, sexual orientation, disability or age.
We take pride in our unique strengths and the expertise we share with our clients. Our entire community can benefit from our expertise and can be rewarded with the advantages of the careers we offer. We will continue to be committed to reaching all segments of our community in which we live and conduct business.
Meet Managing Partner, John Philip Bender "What motivates me is the stuff that is really meaningful," says John Philip Bender. He encourages financial representatives to write down the 100 things they want to do in their lifetime. "I ask them not to limit the list to the things they want to do with, or for, other people, but to focus on themselves. People who are service oriented tend to do for others before themselves, and it is important for people - and especially experienced financial representatives - to work on personal objectives."
Award-winning financial representative career
A liberal arts graduate from the University of Missouri in Columbia, Bender started with the Qualy agency in 1990. Since then, he has achieved several award milestones, including lifetime membership in the Million Dollar Round Table (1990). In addition, John has qualified for the Star Club Diamond (1993-1999), Emerald (1991, 2000) and Sapphire (1991, 2001), as well as the 100 Lives Club (1991-1999) and 75 Lives Club (2000).
He achieved his Best Year Ever from 1991-1993, and again in 1995-1996, and received invitations to the Sales Leaders Lunch from 1991-2000. He received the DA Growth Award from 1996 to 2001, and the GA Growth Award in 1996, 1999 and 2001.
Managing Director of a District Network Office
As a managing director, John Philip Bender grew a scratch district network office into $2 million of premium. His district network office was recognized with the college marketing award for 2000-2002, excelling in new representative premium and production, and cracking the top 10 in new clients and lives.
As managing partner, John is focused on using trademarks of his district network
office - strong recruiting and college marketing - to continue to build the network office.
"One of my goals is to further develop the recruiting programs, as well as a culture of accountability at the highest levels. It's crucial to develop as a whole person, not just as financial representatives," he said. "It's important to build a high level of self-awareness and encourage people to work hard not just to build a practice, but to grow personally."
Values
John sees three areas as core values of a network office: accountability, personal growth and feedback.
"First, we must be accountable to each other and take personal responsibility to create a sense of ownership. Next, people must value their personal growth because I believe that success in your business life is a result of a fulfilling personal life. And finally, we must operate in a feedback-rich environment - meaning that you have to be able to give and receive feedback in real time."
An Opportunity to Succeed
Successful financial representatives with The Bender Financial Group experience tremendous pride and satisfaction in building a practice from the ground up. Their success is not a factor of luck or chance; it's the result of a productive work ethic, strong relationship skills and a level of professionalism second to none. A mission of doing what's right for our clients is the thread that weaves together our organization.
The goal is not to simply sell products, but to discover clients' needs and help to meet them. That means taking the time to understand each person's financial situation, values and goals.
This career offers:
The ability to meet new people and positively impact families, businesses and communities as you help to achieve their goals and dreams
An entrepreneurial opportunity to own your own business
A high degree of support and training, plus ongoing curriculum for educational growth and personal development
The flexibility of a career that allows you to focus on things of importance to you
Earnings where you are directly rewarded for your efforts
A strong team culture and the opportunity to work with a variety of specialists and advisors
Exclusive access to a variety of world-class solutions and services, including life insurance from Northwestern Mutual
Leadership and development opportunities
Your Development
You'll have assistance in developing your business and marketing plans, extensive training and coaching from certified trainers.
New representatives receive initial industry and sales training as well as mentoring and joint work programs for hands-on experience. They have access to on-line education resources for polishing skills and keeping up to date on industry information as well as exposure to opportunities for ongoing career education and advanced professional designations to increase their knowledge and reputation.
Your Business
We know that building your own business is difficult without help. As a financial representative with The Bender Financial Group, you will be in business for yourself, but not by yourself. The Bender Financial Group will provide you with support in your training and development, so you don't have to do it alone.
We take pride in our unique strengths and the expertise we share with our clients. Our communities can benefit from our expertise and can be rewarded with the advantages of the careers offered through the Northwestern Mutual Financial Network.
If you're ready to be your own boss, set your own hours and make a positive impact on people's lives everyday, then turn your dreams into reality and find out what a career as a Northwestern Mutual Financial Network Representative with The Bender Financial Group can do for you.
Discover your potential when you join our team. Susan Lewandowski is Director of Professional Recruitment for The Bender Financial Group of Northwestern Mutual Financial Network in Westport, CT. Sue is responsible for the recruitment and selection of new full time reps and financial rep interns. Sue looks forward to receiving your application!
The Benefits of Your Success
Your career as a financial representative is what you make of it. You have the freedom to balance your hard work and determination with your personal goals. In the beginning of your career, it takes a tremendous amount of time, energy and commitment to earn the flexibility and financial rewards you will enjoy later on. You can achieve financial independence and have a positive impact on your clients, your family and your own community.
Income
A financial representative's income potential is virtually unlimited. Earnings are directly related to sales results and client relationships. Financial representatives are compensated through commissions, renewals and bonuses.
Our top producer group, The Forum, had a median gross income of over $410,800 in 2004.
First-year, average gross income during 2002-2004 for financial representatives ranged from $38,900 to $83,900.
Benefit Package
Whether you are single or married with a family, Northwestern Mutual's benefit package will address the various stages of a full-time financial representative's life. These benefits include: Comprehensive Medical Coverage, Retirement, Flex Programs, Childcare/Eldercare, Maternity Leave, Group Life and Accidental Death Benefit, Disability Income Insurance. Your local network office can provide additional information.
Lifestyle
When you invest the time and hard work necessary to build a successful practice as a financial representative, you can enjoy the rare and envied reward of balancing work with your personal goals. You can arrange your schedule so you may have three or four appointments a day, and still have time to participate in your children's school programs, community involvement or leisure-time activities.
Build a business that allows you to schedule meetings to accommodate your clients' schedules and your own.
Impact
The goal of the Network is not to simply sell products, but to discover clients' needs and provide solutions to meet them. That means taking the time to understand each person's financial situation, values and goals. Every solution you implement may help secure the financial future of your clients, their families, their businesses and your community.
You can experience the rewards of a career in which you can have a daily, positive impact on people's lives, including your own.
Meet some of the members of our Team
Successful financial representatives with The Bender Financial Group experience tremendous pride and satisfaction in building a practice from the ground up. Their success is not a factor of luck or chance; it's the result of a productive work ethic, strong relationship skills and a level of professionalism second to none.
Career Opportunities
Through The Bender Financial Group, our financial representatives have advancement opportunities into management and specialist opportunities. Learn more about some of our team members:
Donald Bowers, Managing Director Donald Bowers is the Managing Director of a local network office. In addition to maintaining a strong personal practice, he plays a key role in the career development of other Financial Representatives
John Sayour, Field Director
As the Field Director, John Sayour assists in the recruitment and selection process of candidates in order to build a cohesive unit of productive full-time Financial Representatives.
Jeffrey Post, College Unit Director
As the College Unit Director, Jeffrey Post leads a group of energized college interns.
Robert Latkany, Annuity Specialist
As the Annuity Specialist, Robert Latkany provides expertise in helping clients create an approach for financial security in retirement utilizing both wealth accumulation and retirement income strategies.
Robert Skelly, Disability Income Specialist
As the Disability Income Specialist, Robert Skelly assists individuals and businesses design a disability income insurance program for both individual and group needs.
Thomas Cox, Estate & Business Planning Specialist Tom Cox assists clients with estate, business and executive benefit needs.
Career Insight
Read what one member of The Bender Financial Group has to say about his career as a financial representative:
Anthony A. Incerto, Jr., Financial Representative
When I graduated from college, I decided to become a Financial Representative because of the people associated with the Northwestern Mutual Financial Network and the integrity the company had.
The greatest reward is the impact I have on people and their futures. I appreciate the opportunity and the training that I received; those were the tools I needed to make an impact on people on a daily basis. Since I became a Financial Representative, I have been able to complete my education and achieve FORUM membership.
What I’ve Learned
I’ve learned many things as a Financial Representative, one of them being this: I need structure in my life and business to achieve peace. And that’s what I advise people considering this career. Be structured about your time and spend some time reading the Fifth Wave of Leadership. Learn how to listen to people and understand how you act in different situations.
Would I Recommend This Career?
This is the greatest business to be in as long as you put the time in it and understand the long-term benefits. When you’re associated with a great company like NMFN, it makes it a little easier when times get tough. There’s a consistency here throughout the company. From the CEO down to the network office, all through the country, the common theme is the importance of family, integrity, and doing the right thing. There are no shortcuts here. We have a consistent value system that never changes.
Internships
Whether you know where your college education is taking you or you _ re still keeping your options open, you owe it to yourself to see if Northwestern Mutual Financial Network's Internship program with The Bender Financial Group is right for you.
As you learn by doing, you'll find that the Northwestern Mutual Financial Network Internship Program is an intense and according to our alumni -- unparalleled learning experience. Expect the process to be rewarding, educational and an opportunity for you to narrow your career search.
Our internships provide a great chance for students to combine what they've learned in the classroom with a real-life look into what they could truly make of themselves. You'll have the chance to work in a real-world business environment and earn performance-based compensation.
The ambition of the Northwestern Mutual Financial Network Internship program has been less to sell our financial products than to develop people. As a Financial Representative College Intern, you will enjoy the benefit of working with The Bender Financial Group where you'll receive outstanding guidance, superior support and quality expertise.
As full-time college students, interns generally work 15 to 20 hours per week developing business- and client-building skills. In most ways, our interns follow the same process for establishing their careers as our Financial Representatives.
Our internship offers you invaluable business experience that you will take with you far into your career. But that's just the start of the impact this can have on your future and your present.
Consider these benefits:
Practical guidance in your career selection process
The chance to develop your networking and business relationship skills
Flexible work schedule
Securities license, state licenses for life, health and accident insurance opportunities and a head start program for a career as a full-time Financial Representative
Compensation in the same manner as a full-time Financial Representative.
Actual business experience for your resume.
Test drive the Financial Representative career.
Regardless of what you do after graduation, you'll have a foundation of skills and knowledge to build your career upon. One out of three former interns becomes a full-time Financial Representative upon graduation. These graduates have built a solid foundation for immediate and future career success.
The two-thirds who choose other career paths benefit as well. They launch their career with stronger business-building skills and a clearer sense of where they want their career to take them.
After completing the internship, the knowledge you have gained, coupled with the opportunity to work for The Bender Financial Group as a full-time Financial Representative, can lead you to a profitable and fulfilling future.
The Northwestern Mutual Advantage
Northwestern Mutual exists to help policyowners and clients protect against financial risk and achieve financial security. The company, with its subsidiaries and affiliates, offers insurance products, investment products and advisory services that address client needs for financial security and protection, capital accumulation, asset distribution and estate preservation.
With more than 350 offices across the United States, 3 million policyowners and clients, $18 billion in annual revenues and $133 billion in assets, you can count on Northwestern Mutual to help you build strong financial futures for your clients.
The company's tradition of "doing the right thing" has been honored and nurtured by successive generations within Northwestern Mutual and recognized in the industry and media.
World's Most Admired--Northwestern Mutual is the "World's Most Admired" company in its industry, according to FORTUNE magazine's annual survey of industry executives and analysts. For Northwestern Mutual, it is the seventh year as the top life/health insurance company in the magazine's global survey.
First in Customer Satisfaction-- For the third year in a row, Northwestern Mutual has earned the highest customer satisfaction score among U.S. life insurers, according to the American Customer Satisfaction Index's (ACSI) survey. Northwestern Mutual's industry leading score can be found in the ACSI's fourth quarter of 2005 consumer study, focusing on retail trade, e-commerce, banks and insurance.
America's Most Admired--According to the March 7, 2006, FORTUNE magazine survey, Northwestern Mutual has been named "America's Most Admired" life insurance company for 23 years.
One of America's Top Ten Internships for 2006--"Northwestern Mutual Financial Network has made our Top 10 list for ten consecutive years, proving its internship program to be consistently among the best." Internship Informants™, Vault, inc., 20006.
Selling Power's 50 Best Companies to Sell For--Northwestern Mutual was ranked as the 2nd best and 4th largest service company (November/December 2005).
Financial Ratings--The Northwestern Mutual Life Insurance Company (Northwestern Mutual), the nation's largest direct provider of individual life insurance, according to statistics compiled from A. M. Best data, has always received the best possible insurance financial strength ratings from the four major rating services: Standard & Poor's (AAA), Fitch Ratings (AAA), A. M. Best (A++) and Moody's (Aaa).
Top 100 Employers--Ranked 22nd in The Black Collegian's "Top 100 Employer and The Majors in Demand" for the Class of 2005.
Largest Direct Provider of Life Insurance--According to statistics compiled from A. M. Best data, Northwestern Mutual is the largest direct provider of life insurance.
Community Support--The Northwestern Mutual Foundation supports nearly 1,500 schools and nonprofit organizations each year. Last year, the Foundation contributed nearly $13 million ($12,534,005) in national and Milwaukee-area grants.
2006 Dividend--Northwestern Mutual's overall dividend payout to policyowners for 2006 is expected to be $4.27 billion, an increase of $360 million, the largest single increase in company history. This ongoing success, fostered by the company's tradition of "doing the right thing," has been honored and nurtured by successive generations within Northwestern Mutual.
John Philip Bender, Managing Partner
We take pride in our unique strengths and the expertise we share with our clients. Our communities can benefit from our expertise and can be rewarded with the advantages of the careers offered through the Northwestern Mutual Financial Network. 
Anthony A. Incerto, Jr., Financial Representative