Jeffry
S. Borow, President, has more than 30 years of combined experience in
the Life and P&C insurance industry. Jeff is one of the nation's leading
structured settlement producers using both annuities and treasury bonds. Jeff's
heavy financial planning background, combined with his insurance and claims
experience, greatly enhances his skills in negotiating structured settlements.
Martin
Jacobson, Vice President and General Counsel, is a licensed attorney
in New York and New Jersey with extensive trial experience in both the state
and federal courts. Prior to going into the private practice of law in 1976,
he did defense work with the New York City Corporation Counsel's Office. Subsequently,
Marty was a partner in a Wall Street area law firm in New York City. Marty is
a renowned lecturer on structured settlements and periodic judgments and regularly
presents seminars to the bench, bar association groups, law firms, casualty
companies and self-insured's. Marty negotiates structured settlements for Creative
Capital's clients and is an expert on the subject of periodic judgments. CV
Dennis
H. Waldman, Vice President, Secretary and Treasurer, is the financial
officer of the company. Dennis is responsible for the organizational and administrative
functioning of the company and the general coordination of activities among
the nationwide offices and the Home Office. Dennis handles some of Creative
Capital's largest cases and routinely negotiates structured settlements at court
conferences and in mediation.
In addition to Jeff, Dennis and Marty, the following individuals round out
the Home Office professional staff:
Morris
Lener, CSA, joined Creative Capital in February 1993. He graduated from
Kean College of New Jersey with a B.S. degree in business management. Prior
to joining Creative Capital, Morris had over seven years of supervisory accounting
experience, working for Richard Ellis, Inc., a real estate investment firm,
Johnston Equipment Company and The Howard Marlboro Group, both manufacturers.
Using his accounting, financial and computer skills for Creative Capital, Morris
quickly grew to become a successful case negotiator and designer of sophisticated
proposals and spreadsheets that are both informative and helpful in the settlement
of cases. In addition, Morris has acquired particular expertise in the area
of Periodic Judgments under New York Civil Practice Law and Rules Articles 50-A
and 50-B. Using comprehensive worksheets and knowledge of CPLR Articles 50-A
and 50-B, Morris has participated in numerous settlement conferences and seminars
for clients throughout the New York Metropolitan area. In September of 1999,
Morris became of member of the Society of Certified Senior Advisors, a group
dedicated to serving the ever increasing senior citizen sector. He is a licensed
life and health insurance agent. Congratulations to Morris Lener on
being selected as a 2009 Annual Tribute Dinner Honoree by The Holocaust Memorial
and Tolerance Center of Nassau County:
Click here to download invitation
Laurie
B. Cohen, Paralegal, joined Creative Capital in July, 1995. She graduated
with a B.A. from the State University of New York at Albany in 1973 and pursued
a Paralegal Certification in 1974. Laurie completed her Paralegal Certification
from Adelphi University in 1974 and relocated to Boston, Massachusetts. While
in Boston, Laurie was employed by the law firm of Hale & Dorr. In 1976,
Laurie relocated back to New York and was employed by Cahill Gordon & Reindel,
a large Wall Street firm. In joining Creative Capital in 1995, Laurie brought a
great deal of legal and work experience to enhance Creative Capital's team.
Laurie, under the supervision of Martin Jacobson, Creative Capital's General
Counsel, handles a case from beginning to end once a settlement is agreed upon.
All settlement documents are prepared by her, she communicates with both
plaintiff and defense attorneys regarding the settlement documents, requests and
handles premium submissions to the life companies and she liaises with the life
companies in order to see the case to completion. Any inquiries regarding
matters after the annuity contract is issued are also handled by Laurie.
Creative Capital - United Kingdom Office
Norman
Turner is the President of Creative Capital's overseas office in England.
The office acts as a liaison to the London Insurance Market. Creative Capital's
association with Norman dates back to January 1990 at which time he began to
establish a firm foothold in the London Insurance Market. Norman had been involved
in financial planning for twenty years and ran his own business for ten of these.
As a result of his involvement, Creative Capital has successfully concluded
a large number of structured settlements on behalf of the London Market.
Creative Capital Regional Offices
Jamie
M. Adams, CSSC, is Regional Vice President for Creative Capital, Inc. He
splits his time between his Houston, TX and Las Vegas, NV offices. Jamie comes
from a financial background of Investment Banking where he has spent over 25
years dealing in the Debt Capital Markets specializing in
Mortgage Backed Securities. With over 10 years of experience in negotiating and
providing specialized training in Structured Settlements as well as financial
planning he is now recognized as one of the most knowledgeable consultants in
the emerging tax deferred Structured Sales area.
Jamie is a National Association of Securities Dealers (NASD) Registered
Representative (Series 3, 63, 7 & 24), holds a Group One Insurance licenses (TX
# 972483) in multiple states and is directly appointed agent for all A+ rated
Life markets providing structured settlement/sales annuities. He is also a
licensed real estate agent in Nevada.
Jamie is an affiliate member of the Houston Mariner's Club (HMC), the Greater
Houston Society for Risk Managers (GHSRM) the Commercial Marketing Group (CMG),
the Certified Commercial Investment Managers (CCIM) and other various trade organizations.
Ben
A. Goff, MBA, CCE and Teresa
L. Goff are Regional Vice Presidents of the Creative Capital Inc. Brentwood,
Tennessee office. Ben has been in the finance and insurance industry for over
22 years providing consulting, financial analysis, and management expertise
to the industry. He has an MBA from Oklahoma City University and a BS from Oklahoma
State University. Teresa has significant experience in property and casualty
insurance as office and marketing manager of an independent commercial insurance
agency. The Goff's founded Advocate Capital, Inc. which is one of the
most successful litigation finance companies in existence. They bring a unique
blend of analytical and negotiating expertise to the structured settlement process.
Richard
Goldstein, Manlius, New York was a successful John Hancock Life Insurance
Agent and Financial Planner in Hancock's Syracuse, New York office prior to
joining the Creative Capital team as its Upstate and Western New York representative
in 1983. He has been with Creative Capital since that time and has approximately
20 years of structured settlement experience, all of which is concentrated in
New York State. His extensive experience and skills in structured settlement
claims include areas such as creative quote design, negotiation and mediation.
In addition to his extensive experience in the general structured settlement
area, Rich has developed a strong specialization in New York State's Periodic
Judgment Statutes under CPLR Articles 50-A and 50-B. Rich has been very successful
in handling some of Creative Capital's major accounts in the Upstate New York
region. Acting for and in conjunction with the Assistant Attorney General staff
of the New York State Department of Law - Attorney General's Office, Rich has
handled some of New York State's largest claims. He is well known by many of
the Upstate New York judges and is regularly referred to as "Doctor Goldstein"
by some of them because of his reputation as a true specialist knowledgeable
in the complexities of CPLR Articles 50-A and 50-B, the Periodic Judgment Statutes.
Gary
McMickle, Grapevine, Texas - Gary McMickle, over the past 33 years,
has been involved in over $3,000,000,000.00 in personal injury settlements.
He has been active in creating and negotiating settlements involving structured
settlements since the mid 1970's.
Gary has personally placed in excess of $400,000,000.00 in structured
settlement annuity premium. He has extensive experience in evaluating life care
plans for quadriplegic, paraplegic and brain damage cases. He has testified
as an expert witness on numerous occasions.
Mr. McMickle anchors the Creative Capital office in Dallas/Ft.
Worth, Texas, which he originated in 1992. Prior to joining Creative Capital
he operated the Dallas/Ft. Worth office for Ringler Associates which he opened
in 1984. From 1977-84 Mr. McMickle was Assistant Vice President of Claims for
Scor Reinsurance Company in their home office in Dallas. From 1974-77, he worked
in the home office for Foremost Insurance Company in Grand Rapids, Michigan
where he was Divisional Claims Superintendent of Surplus Lines Claims. Mr. McMickle
started his career in 1968 with Liberty Mutual Insurance, working in East Orange
& Saddle Brook, New Jersey; Kansas City & St. Louis, Missouri; and Detroit,
Michigan. A graduate of the College of Emporia in 1968, Gary holds a Bachelor
of Arts degree in Business Administration.
Max
WernickandKen
Wernick, New City, New York are a father and son team within the Creative
Capital organization. Max Wernick, Regional Vice President, was employed by
Cosmopolitan Mutual Insurance Company from June, 1961 until May, 1976 as an
examiner, claims manager and officer of the claims and legal departments of
the company. In that capacity Max handled thousands of claims in his fifteen
years with Cosmo. He also developed a reputation as a tough but fair negotiator
with plaintiff attorneys, some of whom have developed into today's "heavy
hitters". These attorneys know and respect his capabilities and the fact
that he will not give away the store when acting for the defense. At Cosmo,
Max handled auto, GL, construction and almost every type of claim except medical
malpractice. In 1976, he joined a P&C brokerage firm with a life division
and worked in the financial services arena specializing in financial and estate
planning. In 1981, he founded his own structured settlement company, Max Wernick
Associates Inc., which merged into Creative Capital Inc. in 1989. Max is one
of Creative Capital's most seasoned professionals and is well known in claims
and defense circles and among the plaintiffs' bar.
James T. Troup Jim
Troup first encountered the concept of structured settlements
while working with recipients of large personal injury awards
and settlements at United Bank of Arizona, where he was a
commercial loan officer. Having five years experience observing
the pitfalls encountered by these individuals, it was easy for
Jim to become committed to periodic payments as the most
effective method of compensating severely injured plaintiffs.
Jim spent
equal parts of his youth in Boston, North Carolina and Arizona,
including attending the prestigious Phillips Academy in Andover,
Mass. Jim graduated from the University of North Carolina with
degrees in Economics and Political Science in 1980 and earned
his Masters in Business Administration two years later at the
Whittemore School of Business at the University of New
Hampshire.
Jim is fully securities licensed and has taken many continuing
education programs concentrating on financial planning,
including the Connecticut General Life Insurance training
program. Connecticut General pioneered the practice of
financial planning. He has received numerous awards for
exceptional performance by both life and investment companies
including National Life's Presidents' Club.
Jim is entering his twentieth year as a structured settlement
consultant and estimates he has been involved in the settlement
of close to one billion dollars of personal injury claims. Like
most structured settlement professionals who began in the
mid-1980s, when Jim started he worked primarily for the defense
with Structured Financial Associates and Huver & Associates.
Jim recognized that the injured party was being woefully
underserved and began working with plaintiff attorneys and their
clients. In 1994 he joined Summit Settlement Services because
they offered him the opportunity to concentrate on working for
the plaintiff.
In 2002, he decided to start his own firm operating as
Financially Planned Settlements. Jim's firm works exclusively
for injured parties and their attorneys and combines his strong
financial background in financial planning, investment
counseling, estate planning, and insurance with structured
settlements.
As of September 1, 2007 Financially Planned Settlements became
affiliated with Creative Capital, Inc., the most sophisticated
company in the structured settlement industry, with Jim assuming
the position of Regional Vice President.
Roger
Roggenbaum, CSSC, entered the structured settlement consulting field in 1995
following a successful 20+ year career in senior claims
management positions. He has developed and enjoyed long-term
established relationships, which he and Creative Capital largely
attribute to Roger's commitment to deliver hands-on,
personalized services tailored to each client's individual
expectations.
Over the years, many trial lawyers have requested Roger's
services because of his expertise, integrity and objective
analyses and presentations. A prominent Trial attorney in
Wilkes-Barre, Pennsylvania, Joseph A. Quinn, Jr. of Hourigan,
Kluger & Quinn, P.C, commented, "I have known Roger for many
years and have used his services in multiple cases. He is a very
capable and knowledgeable individual who has used his creativity
in helping me to conclude some major settlements. I have felt
very comfortable working with him because he is very honorable
and truly wants to do a good job for my clients. He has always
placed the interests of my clients ahead of his own
self-interest and has never attempted to oversell a structured
settlement when it is inappropriate."
Creative Capital and Roger share core values and guiding
objectives, which make this an excellent affiliation.
Risa
H. Lower, is a Creative Capital Consultant out of
Mountainside / Westfield, NJ. Prior to joining Creative Capital,
Risa held the position of Executive Vice President and President
of The Halpern Group, and has served the plaintiff's bar for
more that 25 years. In addition to work with annuity and T-Bond
trust based structured settlements, Risa has been involved with
all aspects of settlement planning for plaintiffs attorneys and
their clients including attendance at mediations and settlement
conferences, negotiation strategy, working closely with injured
people in developing financial strategies and support networks,
addressing seminars, writing, research and as a staunch advocate
of the civil justice system. A long time supporter of AAJ and
plaintiffs' causes, her work with Creative Capital expands the
solutions provided to the trial bar. In addition to her
experience with regard to structured settlements, Ms. Lower is
offering valuable services to care providers for the injured in
the form of ancillary insurance to help in case of the loss of a
parent, sibling or guardian. She also assists attorneys in
meeting their financial goals through structured solutions aimed
at creating pre and post retirement guaranteed cash flows to
cover office operating expenses, income needs, college tuition
and expenses for children and grandchildren, as well as a
guaranteed retirement income that her attorney clients cannot
outlive.
