Leadership Team 

The Futurity First leadership team includes experts in management, marketing, product, sales, finance, technology and compliance. Together, they collectively work to ensure that the company's objectives are achieved, and the needs of our advisors are met. We're not successful unless our advisors are successful - and this collaborative synergy is evident in everything we do, every day we do it.


John Haver - Chief Distribution Officer
John Haver joined Futurity First in August 2015 as Chief Distribution Officer. Futurity First is an independent, nationwide insurance distribution organization specializing in retirement income and insurance protection solutions. In his role, John is focused on guiding Futurity First’s strategic direction and positioning the company as a true business partner with career agents.

Prior to joining Futurity First, John  was Sr. Vice President, Individual Producer Sales at Mutual of Omaha where he directed all sales activities for the company’s brokerage and agency distribution. John spent 18 years in a variety of leadership positions at Mutual of Omaha where he had the opportunity to build a career distribution model and work with agents on a daily basis to help them grow their business.

John received his B.S. degree from the University of Nebraska at Omaha and his J.D. from Creighton University. He has served on the Board of Trustees for the American College. He’s a Chartered Life Underwriter (CLU), a Chartered Financial Consultant (ChFC), and a member of the Society of Financial Service Professionals (SFSP), the Nebraska State Bar Association and the General Agent and Managers Association (GAMA).  He also holds his series 6, 63 and 26 licenses. 

John and his wife, Lisa, have been married for 18 years and they have two daughters, Delaney and Carly. In his spare time, he enjoys golfing, hunting, water sports and Nebraska football. 


Curtis Carey - Sales Vice President (West)
Curtis has more than 19 years of experience in the insurance industry. Prior to joining Futurity First, Curtis was a regional director at Bankers Life and Casualty Company, where he oversaw a region of branch offices in the Northwest while managing a branch office that averaged 20% annual growth rate during his 10 full years at the helm. He also served as the Field Chairman of the Compliance Committee, and was the field representative on Conseco’s Compliance Committee.


Dennis Pascarella, ChFC - Sales Vice President (East)
Dennis, who serves as the Sales Vice President for Futurity First's eastern region, has over 26 years of experience in the insurance and financial industry, including leadership positions which resulted in successful organizations dedicated to client service and advisor excellence. He previously served as CEO of Financial Legacy Group, a top financial service firm, and has also held positions at AXA and National Life of Vermont. Dennis has extensive expertise in diversified financial products and services including life insurance, annuities, financial planning and pension programs.


Jon Estrellado - Vice President, Distribution Finance
Jon has over 25 years of experience creating, building and implementing units and businesses within the financial services industry. As Vice President of Distribution Finance, Jon is responsible for Futurity First’s field compensation.

He joined the company during its start-up phase in February 2008. With a yellow pad in hand he led the design and implementation of field compensation including building the commission system, licensing and appointments process, and assisted in recruiting Futurity’s first Managing Directors and advisors to the company.

Before joining Futurity, Jon was at MassMutual for 15 years in various field financial and marketing roles working with its General Agents in the Career Agency System. He previously served as National Marketing Director for Fee-Based Financial Planning at MML Investors Services, Inc. During this time he led the creation and launch of MassMutual’s fee-based financial planning services business line.

He also served as Director of Strategic Alliances at Sagemark Consulting / Lincoln Financial Advisors in Hartford for several years.

Jon is a graduate of Eastern Washington University’s School of Business with a degree in Finance and Economics.


Mike Furgiuele - National Sales Director 
Mike has 25 years in the insurance and financial services industry. He has been in product management and sales operations roles for the past 15 years with Travelers Life and Annuity, Integrity Life and several wholesaling companies dedicated to the broker-dealer distribution channel. He has a proven track record specializing in marketing, product management, strategic business planning and sales operations.


Kevin Hedstrom - Assistant Vice President, Product Management
Kevin has over 14 years of experience in the financial services industry. Kevin has broad experience in relationship management, point of sale, and business development. His passion is assisting the independent agent as well as registered advisor take their practices to the next level. Utilizing a consultative approach, he has been able to assist producers through coaching, training, and mentoring on retirement security solutions, legacy concerns, and tax avoidance strategies for both the pre-retiree and retiree markets. Kevin works closely with producers and producer groups on identifying opportunities, case design, and implementation ultimately enhancing their life and annuity profit centers. In successfully leading startup, growth, and turnaround operations, he has grown territories and business lines with each firm he has been affiliated with. Prior to joining Futurity First, Kevin served as Supervisor of Internal Sales at Aviva Life and Annuity / Annexus Financial, LLC. 


Lionel Lauture, LUTCF - Vice President, National Director of Training
Lionel has 20 years of experience in the financial services industry with a concentration in annuities and life insurance. He specializes in distribution and training where he assists advisors and advisors in building more robust practices. He spent 15 of his 20 years in the business with Morgan Stanley where he rose to National Sales Manager of Annuities and Life Insurance; he worked with financial advisors in understanding how insurance should be a part of their client’s portfolios. Lionel is able to help advisors understand where annuities and insurance fit and work together with other assets like stocks, bonds and mutual funds to provide maximum performance and protection for their clients. Lionel holds Series 7, 63 and 65 licenses.


Emanuel Romero - Compliance Officer
Emanuel brings over 16 years of experience in financial services; with eight of those years focused on compliance and management. Prior to Joining Futurity First as its Chief Compliance Officer, Emanuel was the Director of Compliance and Operations and later Chief Compliance Officer with Northstar Wealth Partners, a registered investment advisor in West Hartford, Connecticut. Emanuel has an MBA and holds the Series 4, 7, 24, 55, 63 and 65 licenses with FINRA. He also maintains his life and health insurance licenses in all 50 states. 


Linda Rowin - Operations Director
Linda has 25 years of operational experience in financial and insurance services industries.  She specializes in the new business and retirement education areas.  Linda spent 20 years in the retirement services area of ADP where she rose to VP of New Business and Education Services and then VP of Operations for the ADP Insurance Services Agency.  She led and built new business and service teams both within the US and offshore.   Linda worked closely with financial advisors and insurance producers to streamline and minimize the processes from submission to commission.  

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