What Happened To Larry Klein and NF Communications

Ummmm... NF Communications "dissolved" on the 15th of December?

2007-02-11T14:39:00.000-08:00

---------- Original Message ----------

FROM: GM1 (Barry Beasley)
TO: (all sales)
DATE: Wed, 13 Dec 2006 12:20:18 -0800
SUBJECT: Voicemail

Javelin Team.

Please make sure that you re record your voicemail on Friday close of business to say who you are and with Javelin.
This must happen, we cannot have the new number with message that refer to NF Com.
Please make a calendar date in goldmine to remind yourself.

The new number for Javelin is 866-4Javelin or 866-452-8354
Thank you,
Barry Beasley
NF Communications, Inc.
Marketing Systems and Technical Education
for Financial Advisors
1700 N. Broadway #405
Walnut Creek, CA 94596
800-980-0192 ext 235
www.nfcom.com

Need to communicate with Larry Klein

2007-02-11T14:31:00.000-08:00

Ok... yes he stiffed you... yes, he did it with an old broom because he's a limpy and all around him will affirm that both his hair transplants, his viagra and his bride have left him just a lil "soft"...

Did he do you like that?

He won't pick up his phone? (Of course he won't!)

Then lets ALL start emailing him at his "home" address... MAYBE someday he'll respond!

Larry's personal e-mail address is larry-klein@comcast.net

Oh... he'll also get stuff at lk@nfcom.com and bobcallis@yahoo.com!!!

Someone PLEASE call the FTC or the PostMaster General

2007-02-11T14:28:00.000-08:00

To paraphrase Forest Gump... fraud is as fruad does...

Would someone PLEASE put this limp dick in jail?

http://www.insurance-lead.ws/senior_leads.pdf

Javelin Marketing... aka... NOT anything to do with Larry Klein

2007-02-11T14:20:00.000-08:00

Larry sucks at hiding his fake Harvard MBA... and why isn't he in jail yet?

8am - The girls in customer service finally start answering the phone (too many cursing customers yesterday), apparently the phone rings non-stop from NF customers who have received an e-mail from Brian Williams.

Morning - Calls are coming into to the sales line at Javelin but they are mostly from pissed of NF people

Jason Perry sees the YouTube video & "...turns ghost white...".

Barry Beasley comes in the office, he is already mad because bill collectors from NF were calling him at his home last night :) [Barry is SUCH a jerk, I loved hearing that one]

Jason & Barry hold a "damage control" meeting, come about an hour later both silent and somber.

Larry arrives in the office, he meets with Barry / Jason & goes "...ABSOLUTELY NUTS; screaming, yelling, making accusations against the handful of existing NF staff,,,,,,,,,, apparently he simply lost it".

My contact & I spoke for about an hour & there is tons of funny stuff, here are some highlights:

- Rumor has it Jason Tripp "might be involved in the Youtube thing since there are compliance issues discussed".

- On the 14th Larry sent all of the people in the senior leads system triple lead sales (the leads were old & useless) which automatically triggered credit card billing. All of these customers are now calling in to dispute their credit card charges and are informed "NF has gone out of business........"

- Larry assured his remaining staff today that in the past mistakes were made but "going forward things will be done differently.

- Rumor has it Jason Perry is currently interviewing for other jobs.

- Thanks to todays YouTube e-mail NONE of Larrys vendors are buying into the whole "NF is gone" pitch and they are all calling Javelin demanding their money.

- NONE of "Javelins" sales staff have been paid from Decembers sales for NF.

oooo... contact Larry Klein directly

2007-02-11T14:13:00.000-08:00

We have just hit upon new levels of "communicating" with the sleaze, otherwise known as "Larry Klein" directly!

If you are named, Debra or Cleo or Sal you can email lk@nfcom.com and it will get to him or... I'll get you Klein's personal Comcast email and his cell phone number here in just a bit.

Do you need some annuity marketing bullshit?

Call Larry!

Javelin... a "sparkle" in Satan/Larry Klein's eye... two years in advance says...

2007-02-11T13:58:00.000-08:00

SPAM SENIORS!

Not LarryKleinbutRatherTheNewnotNFcom recommends spamming seniors… 2 million online seniors you can hit with a message from russia

http://www.javelinmarketing.com/content/support/downloads/How%20to%20Find%20Email%20Lists%20of%20Seniors.pdf

NF Communications... "way back" machine

2007-02-11T13:56:00.000-08:00

Fri 12/15/2006 3:15 PM

Today at noon NF had its monthly Pizza lunch / company meeting. To everyone's "surprise" Larry announced NF would be closed at the end of the day & that in order to receive your final paycheck you had to stay until 5pm and fill out some "paperwork" (the direct deposit for employees stopped a few weeks ago).

While there would be no severance package for laid off employees Larry "promised" them he would send them a check for up to one weeks accrued vacation balance by the end of this month. To everyone's surprise Debra was canned today.

I can't decide which is more sleazy:

1) Providing employees 5 hours notice they are being laid off just before Christmas, paying no severance package, not paying accrued vacation balances, and offering "his word" that up to one weeks accrued vacation would be sent in the mail before years end.

2) Having his sales staff makes sales all day long today with the full knowledge no product would ever be shipped & customers would have no recourse as NF will be dissolved by days end.

Turn Klein in...

2007-02-07T09:29:00.000-08:00

TS said...: The Contra Costa DA can be notified about Klein's current or past activities by sending a written complaint with Larry Klein-NFcom/Javelin at the top of the letter. The complaint can be sent anonymously but all the detail you have Klein's fraudulent or otherwise criminal activities should be included. If they receive multiple individual complaints that would support prosecution.

Send the written complaint to:

Contra Costa DA
Attn: Kathy
627 Ferry Street
Martinez, CA 94553

#925-646-4620

Please spread this information around to any other blogs or discussion groups that may be interested.

A former VP of NF Communications said...

2007-01-29T08:26:00.000-08:00

Note: This was posted as a comment and I agree wholeheartedly, so I thought it should come right out and be a "post" and not a "comment"!

"On behalf of all former NF employees, I hope that Klein is publicly exposed and punished for his criminal behavior. He has crossed the line and blatently committed fraud and grand larceny many times. He somehow believes he is above the law, but deserves to pay for his actions. All of those who have done business with and worked for him have had similar observations of his conduct, and would happily testify in court to his wrong doings. Let's hope he is prosecuted and we are all given a chance to give our testimony in court and help to put him in prison. Larry Klein is the most dishonest and immoral person I have ever met."

Signed : A former VP of NF Commuications, proud to have been fired by Larry without cause for refusing to do his dirty work

Wrongful Termination

2007-01-07T09:34:00.000-08:00

Buried in one of the postings from late last week I found this note titled "Tammy Gets Fired"

Before I post it out where all can see (the garbage being heaped upon good people by the likes of the Larry, Barry, Jason and Moe show), I would would like to give "Tammy" a piece of advice...

"Tammy" get yourself an attorney and have him draft a wrongful termination notice and an "agreement to settle" and have him send it right to Barry Beasely as the "CEO" of Javelin.

You were fired for commenting about a person that claims to have no contact with Javelin and by a company that claims to have to no dealings with him. I'm not an attorney, but I do know a couple and when I showed them your post they about popped a vein!

Here's "Tammy Gets Fired" formerly found in the "comments" and now out for the world to see...

Today, I was called in by Barry, Perry, et al and confronted about my blog: (incomplete though it is:http://screwedbylarry.blogspot.com)

I fully admitted that yes, in the spirit of venting, I had posted this blog. It was supposed to be a place for the disenchanted to gather. I didn't even make the blog public. Somehow, the link got sent around and wound up at Javelin. The Javelinettes were displeased. TRAITOR! INGRATE!

Here sat before me the same people who TOLD me to blatantly lie about (not embellish, prevaricate, or whitewash) Larry Klein's involvement with Javelin, told me to shine on the customers who got cheated, had me fielding calls from Financial Visions - another one of those not-quite-but sorta Larry Klein companies like bigproducer.com. They too were blindsided by the demise of NF and were demanding to know of Klein's whereabouts.

Here they sat - accusing me of having given memos to someone at outlarryklein, of assisting Brian Williams and his mastermind buddy to bring the paragon of virtue, Larry Klein, down. (As if he needs any of our help...)

On the judgement seat were the same people who told me not to mention to the folks in production that they were about to get the big, spiky shaft, and had us all pretending it was business as usual. These were the same folks who instructed customer service to not give ANY refunds for months in a row (it must have been Debra's idea?)

These new bosses sat there telling me how bad I was, telling me that they had all the goods on me and that I had better fess up or else Larry Klein himself would sic his gang of lawyers on me posthaste.

My first thought was "Wait a minute- I'm confused.. If Larry's not here anymore and has nothing to do with Javelin and NF doesn't exist - why is he upset?

I calmly explained, as I will here now, that I provided NONE of the content on outlarryklein and that I do not know, nor have I ever even spoken to Brian Williams. They voiced disbelief and outrage.

"What do you want me to do- take a lie detector test?" I demanded.

Perry: "It may come to that." (threat?)

Barry: "You know who Cindy Williams is- don't say you don't."

Me: (to self) "Uh.. not really. Oh, wait- isn't she that gal from LAVERNE AND SHIRLEY?"

Perry managed a few damned fine eyerolls and fairly snorted when I said (truthfully) that I didn't know who Cindy Williams was.

Was I upset about all the crap that went on at NFavelin? You bet! Was I up for a bit of mischief and mayhem for my own twisted satisfaction? Perhaps. But I was not involved in the group effort.

Honestly, I thought Barry was an OK guy. He seemed like he was really trying to make things work but was caught between a Klein and a hard place. I had even more respect for Perry and was crossing my fingers that he would tell the whole bunch of them to **** themselves. Disappointing.

Hell, there were a lot of things I liked about Larry. Such a shame that he felt he had to marginalize his ethics in order to make money. He probably could have done it just on his own merits. And while all of us have certainly made our share of bad choices and done things of which we are not proud, Larry has made a lifetime's work of it. He has used up his share of forgive and forget ten times over.

As for me, I am jobless. For putting information on the internet that I didn't put on the Internet- for orchestrating the downfall of a guru (which I did not do.) and for telling our clients the truth when they asked.

BarPerLarry have given me time to think about what I can do to help Larry catch the "principals." If I do, perhaps the hand of Larry shall not smite me.

However, I don't really know who they are. Even if I did, and he quelled them, ten more would take their places and ten more and ten more, ad infinitum.

Best of luck to all of you, may your scars heal quickly.

PS: Barry- why did I stay on? Because I wasn't as brave as those who said no and because I had a glimmer of hope that things might work this time 'round.

Larry Klein Shuts the Doors on NF Communications, Jeopardizes Credibility of the CRFA Designation -- Part II

2007-01-03T15:57:00.000-08:00

Aside from Ray Ohlson, other Klein customers have responded angrily. And apparently, unbeknownst to Mr. Ohlson, Klein did notify some of his customers. Normally forums and blogs are not the most reliable source, but after dozens upon dozens of entries pop up overnight by disgruntled acquaintances and employees, we think they are worth mentioning.
First, here’s a forum entry posted on Registered Rep.com, December 21, 2006, topic “NF Communications”:
“Has anyone else bought one of their marketing/seminar systems? I fell into the trap because of the 90 day "guarantee".
I just received an email from Larry Klein, president of NFCom, saying they've closed their doors and fired everyone. He says there's no one to talk to about refunds or guarantees. Luckily, we've stopped payment on our credit card and put the payment into dispute.
Has anyone else gotten duped by these clowns?
PS- I think I remember seeing posts from Larry Klein on this forum in the past. I hope he shows his face here again...”
Former NF Communications employees have certainly been the most vociferous of everyone upset by Klein. Here is just one from http://outlarryklein.blogspot.com:
“Shame on you Larry! You are not a man but a sad cartoon of an unconsciously incompetent huckster trying to screw people. How can you guide the people who work for you now further into your deep pit of deception? Now you have crossed the line with outright fraud to keep a failed business alive by:
- Debiting advisor credit cards fraudently with bogus leads that you're selling for $18.
- Telling existing employees that you are not collecting a salary (implying no income)when mysteriously you are cashing NFCom checks after it's supposed demise to clear your personal debts.
- Ditching and dodging NFCom creditors selectively to use NFCom assets to set-up Javelin.
You don't need a law degree to figure out you're really screwing real people with businesses of their own with those practices and putting your existing Javelin employees in jeopardy as being accessories to committing fraud in front of the IRS, SEC and the State of California.
The NASD was set-up exactly for the purposes of identifying and ousting guys like you. You are sliding down a slippery slope to extinction!"
Insurance professionals associated with Klein’s materials should be wary. In the insurance business, reputation is everything. And right now, the insurance industry is struggling with its reputation.
Day by day, more and more articles on the topic of fraudulent investment schemes by so-called advisors preying on the ignorance of seniors are cropping up. More and more, the NASD and SEC are putting these schemers out of business.
Once a prominent name, Klein has become a “Where’s Waldo” candidate, having vanished off the map as of December 15, 2006. Once connected with some of the biggest companies and top personnel in our industry, he is now a ghost advisor, leaving a trail of broken promises from today all the way back to the doors of his closed business.
Klein’s designation, the CRFA, has also come under fire. With his recent disappearing act, what will come of the credibility of the CRFA?
According to a Wall Street Journal article dated September 24, 2006, Beware the Huckster in Adviser’s Clothing, “There has been an increase in the number of organizations that offer designations such as Certified Wealth Preservation Planner or Certified Retirement Financial Advisor™. Regulators say that while such titles might sound impressive, investors should question how much of the associated training is focused on sales tactics instead of education.”

Larry Klein Shuts the Doors on NF Communications, Jeopardizes Credibility of the CRFA Designation

2007-01-03T15:39:00.000-08:00

as reported by:
http://insurancenewsnet.com/article.asp?a=top_news&id=73783

by Rob Billingham
rob@insurancenewsnet.com

One of Larry Klein’s books is entitled 400 Greatest Financial Jokes, and it appears that his reputation might become joke number 401.

On December 15, 2006, Klein shut the doors on NF Communications, a company that packaged “top marketing systems of producers” and provided them to agents and brokers. Klein ended operations without warning and without notifying some of his customers.

Klein, now former president of NF Communications, is well-known in the industry for his senior marketing system. His books such as Marketing Financial Services to Seniors and How to Become a Million Dollar Producer: A Change in Your Paradigm have gained national attention and popularity.

Nobody knows exactly why he closed down, but he certainly left his customers, employees and acquaintances stranded. It is possible that the closing may be linked to Klein’s connection to the current proliferation of circumspect senior designations. Or even worse, fraudulence.

Klein founded the Certified Retirement Financial Advisor (CRFA) designation, which joins a group of senior-focused certifications strongly criticized by The American College, the media and others.

In response to the news, one of Klein’s customers, Ray Ohlson, president of the Ohlson Group said, “I’ve known Larry a long time. We’ve been good business acquaintances. We’ve promoted his marketing seminar to our producers. I am surprised that he closed his doors and I am disappointed that an e-mail did not go out to his customers. The day before I found out that NF Communications shut down, I was still promoting his marketing seminar to my producers. Now we are left in an awkward situation.”

Clicking on any link to NF Communications, or any of Klein’s book titles, will lead you to a page that reads:

NF Communications has ceased operations.

There are no longer employees or managers as the company has dissolved.
There is no way to contact anyone from NF Communications, as all personnel have been terminated.
We are sorry for the inconvenience this causes and regret that the organization can no longer serve you.

If you have interest in programs and tools that help financial advisors grow their business, please click here.

When users click on the link, they are directed to “Javelin Marketing,” a suspicious company that showcases ads for marketing systems similar to those promoted by NF Communications. It appears that as one business dissolved, the other is trying to pick up the pieces.

Neither Klein, nor anybody else at NF Communications or Javelin Marketing, was available by phone on repeated attempts. Callers are told that “email correspondence is preferred.”

For those of you not familiar with Klein, here’s how he positioned himself to our industry:

Mr. Klein claims to have assisted, "...10,000 financial professionals to increase their clients and income. He offers his marketing programs, tested in his own practice, and practices of top producers to financial advisors throughout the United States." Mr. Klein started his career as a CPA with a "big eight" accounting firm and moved into advising retail clients as a Vice President of Investments at Great Western Financial Securities and then as a First Vice-President and branch manager with Prudential Securities (where he was in the top 5% of producers, nationally).

Mr. Klein claims to be a CPA/PFS, a Certified Senior Advisor (one of 8,000 in the US), and holds an MBA from Harvard Business School as do his "alter egos, Bob Roberts and Bob Callis".

Larry has been an invited speaker at leading venues such as the Charles Schwab Advisor Conference, the NAIFA Financial Advisors Forum and the Million Dollar Round Table.

Klein claims to have been interviewed on CNNfn and in industry publications including On Wall Street, Registered Representative Magazine, The Agents Sales Journal, Research Magazine, and Financial Advisor Pro and writes columns for Financial Services Journal Online, Horsesmouth, and on Wall Street Online. In these industry publications, he counsels financial services professionals how to use smart and efficient seminars, direct mail and direct response marketing to obtain substantial increases in their income.

Thank you Internet Archive For Exposing More of Larry Klein's "Javelin Gambit"

2006-12-31T10:43:00.000-08:00

Check Out These Two Pages

The first page is NF Communications' lead page from April of 2006 as provided by the Internet Archive Wayback Machine (thank you Alexa)!
The second is a screen shot taken just just minutes ago as it appears RIGHT NOW. Clearly showing that all Larry, Barry and Jason managed to do was change a logo, the phone number from the "dissolved" NF Communications to Javelin's and update the links.
All of the testimonials are bogus. As they also are on the new Javelin site.
Let's talk "truth in advertising". Clearly, Larry and the Javelin staff are perpetrating fraud by using "testimonials" from a "dissolved" company for a product that that Javelin has never delivered.

Shame on you Larry Klein!

2006-12-30T13:30:00.000-08:00

Note from Outlarryklein:

This post was so good I felt compelled to bring it right out for all to see, instead of buried beneath other comments that voice this opinion a little less eloquently!

Good on ya, Anonymous!

"Shame on you Larry!

You are not a man but a sad cartoon of an unconsciously incompetent huckster trying to screw people.

How can you guide the people who work for you now further into your deep pit of deception?

Now you have crossed the line with outright fraud to keep a failed business alive by:

- debiting advisor credit cards fraudently with bogus leads that you're selling for $18.

- telling existing employees that you are not collecting a salary
(implying no income)when mysteriously you are cashing NFCom checks after it's supposive demise to clear your personal debts. Gee,
I'll bet you backdated enough checks to cover any cash in the Wells Fargo Walnut Creek account.

- ditching and dodging NFCom creditors selectively to use NFCom assets to set-up Javelin.

You don't need a law degree to figure out you're really screwing real people with businesses of their own with those practices and putting your existing Javelin employees in jeopardy as being accesories to committing fraud in front of the IRS, SEC and State of California.

The NASD was set-up exactly for the purposes of identifying and outing guys like you. You are sliding down a slippery slope to extinction!"

For the last time... NF Communications has NOTHING to do with...

2006-12-26T13:29:00.000-08:00

Javelin Marketing!

Larry in a recent Javelin staff meeting:

"Alright you idiots, listen up... You see, when we 'dissolve' NF Communications and go public with the 'Larry Klein has vanished gambit' someone might notice...

"I'm not sure, who could be so brilliant to figure this out, but in the very unlikely scenario where we run into another Harvard MBA like me, we must be prepared...

"It could be a vendor... or a system buyer that wants a refund. So, what we are going to do is put up a 'closed' sign... wait... we won't close... we'll 'dissolve'... YES! If we dissolve they will never see us coming and then we'll send them right back to us... only it won't be a real "us us', it will be a 'Javelin us us'.

"I know I'm talking over your heads here, so I wrote this up for you to follow.

"Joe, I want you to read it word for word... because if anybody screw this up it's YOU!

"Everyone read with me..."

GROUP READING ALOUD TOGETHER

"NF Communications was dissolved. That company no longer exists.

"But didn’t you work there?

"Yes, I did. I was terminated and lucky that Javelin Marketing, a new company, offered me a position.

"Well who is there that can help me with (something from NF).

"NF Communications was dissolved. That company no longer exists. There are no employees or managers—that firm ceased all operations.

"Well who is this new Javelin Marketing?

"It’s a company that hired some of us and continues to provide services similar to what NF Communications provided. But it is not related to NF Communications and the owners are different.

"But who can I talk to about my booklets that I paid for?

"NF Communications was DISSOLVED. That company no longer exists. There are no employees or managers—that firm ceased all operations. There is no one to talk to. There is nothing that you can do and nothing that I can tell you to do."

"If they are insistent and just don’t get it, transfer them to extension 218.

"Tell them: I am going to transfer you to a recorded phone message that the managers left before they were terminated.

"That's all... now i'm going to go hide behind this plant!"

Larry's Next "Ultimate Bootcamp"

2006-12-26T13:12:00.000-08:00

Attend Larry Klein's NEXT Bootcamp...

NF Communication is NOT Javelin

Breakout session: "The Con 101"

Breakout session: "The NF Communication/Javelin Marketing Shell Game"

Who is REALLY behind the demise of NF Communications...

2006-12-23T12:37:00.000-08:00

And, where's my Javelin?

Who REALLY Is Behind The "Demise" of NF Communications
and The Overnight Creation of "Javelin Marketing"? Could it be Satan, perhaps?

(Please be aware... as much as I want to "out" Larry Klein, I do not (and will not) hurt those that he has screwed.) With that said, please note that I just pulled down a post from someone that uploaded Denny Roodman's 'Referral System'.

I talked to Denny recently and he hasn't received a penny in royalties from the system he created and NF Communications has been selling for over four years.

Let's not hurt those that number amongst us in the, "Larry Klein shystered me" category.... PLEASE!

And thank you!

You have to figure that Brian Williams doesn't like Larry Klein much...

2006-12-22T14:58:00.000-08:00

I'm starting a new group...

While the name is already being used, I felt it appropriate to name my group after the name of the... well, after what I decided to do (along with a number of others SCREWED by Larry Klein over the past seven years) -- "Out Larry Klein".

Mind you... it COULD become an association... (if so, I would "Grandfather" you in). Or, it might be just a loosely knit group like the Moose Lodge...

I'm leaning toward "Fraternal Brotherhood of the Out Larry Klein"... damnit, that name sucks!

OK, please send your input... the "theme" must remain "Out Larry Klein".

If you can put Moose, Elk, Masons or Mormons in there where it doesn't take away from the core theme? Well, I have $18 and I'll file it with the county seat!

Wait... I want to vote right now to "Grandfather" Brian Williams into the "fraternal order". It's apparent the he thinks the "Javelin Gambit" is bogus and a fellow charter member sent me his pitch from yesterday!

This is some funny shi.... stuff!

I have a theory... please hear me out before you reject it...

2006-12-22T14:07:00.000-08:00

Ok, I know that this might seem just a bit "out there"; however I have spent the past 12 hours watching re-runs of the X-Files and I think that I may be onto something...

Come closer... closer still... I'm going to whisper...

"government conspiracy"

Ok, I just said so now it's right out there! (Hold on, I'm checking the street for strange vehicles).

There's two ugly black cars out there, so I have to type fast... follow the logic...

Larry has a bio that can't be substantiated except for the little ol' ladies that he bilked... the NASD sanctions that he walked away from... the SEC slap... the hundreds of customers, clients, vendors and staff that he screwed.

His business(sssss) disappear overnight... they don't go bankrupt, they "dissolve". Such that there's no employees, or management, not one at all...

Further, his businesses (that HAD zero distance from NF Communications) -- read that -- they WERE NF Communications in the eyes of the law; (CRFA, Fvisions, and all 16 of his websites), "continue uninterrupted" because "another company has taken them over."

Nobody can screw that many people where there's not government conspiracy involved, can they?

You scoff?

Ok then... if THAT theory is just "to out there", how about the "alternative theory"...

Larry is an alien! Or, he's not REALLY Larry Klein at all... he's Bob Roberts... but only on Monday!

Tuesdays and Thursday's he's Bob Callis!

OR...

He's a pawn and a creation of the evil bitch Debra... ummm "witch" (my bad)! Commonly referred to around the office as "Satan's Strapon", could she really BE Satan and poor Larry is just her minion?

This theory is a work in process. However, the truth is that Larry, Barry, Jason, Bob, Rob, Knobby Bob, etc., are all in serious need of an exorcism!

What are your thoughts?

Why is "Javelin" stealing Larry Klein's...

2006-12-22T12:32:00.000-08:00

Bullshit?

Am I the only person on the planet that wants to know if Larry Klein got bumped off by the thugs at Javelin? Or maybe his own staff after he heartlessly fired them just 10 days before Christmas...

C'mon people!

Something is just wrong... Larry goes missing at 5 p.m. 12/15/06... his office is gutted just hours later... his "trademarked" and "copyrighted" materials keep showing up on Javelin's site...

Is Larry alive? Why is Javelin stealing his bullshit?

Why people, why?

For the love of God, can't someone answer the question?!!

So... you just heard that Larry Klein and NF Communications have nothing to do with...

2006-12-17T16:11:00.000-08:00

Javelin Marketing?

So, how does Larry Klein and his little band of buddies explain this?

(Please be advised that Larry believes that YOU are so stupid that you can't figure out the ruse!)

NF Communications closes its doors...

2006-12-17T14:10:00.000-08:00

I'm sorry, I know I've said it already, but I just had to say it again -- NF Communications is out of business!

"Marketing guru" Larry Klein goes bankrupt! (That's very un-guruish!)

By the way... I'm not sure and this is one person's opinion mind you, but it kinda looks like the Larry, Curly and Mo show is an attempt to defraud the financial services world...

For a good time call...

2006-12-17T13:19:00.000-08:00

Do you have a NF Communication system... are you a registered rep? Well, "pig in a poke" is about what you now own. If it was EVER NASD compliant, on 1/1/07 it will be worthless.

For a good time, call 866-452-8354. Larry's former manager, Barry, is "slated" to be the new CEO of the "Not Larry Klein Show" -- AKA -- "Javelin Marketing".

Here's the script that Larry prepared for either Barry or Jason or anybody stupid enough to go to work for him... ummmm... NOT him! (Well, you know what I mean.)

----------------------------

For people who want to talk to someone from NF

NF Communications was dissolved. That company no longer exists.

But didn’t you work there?

Yes, I did. I was terminated and lucky that Javelin Marketing, a new company, offered me a position.

Well who is there that can help me with (something from NF).

NF Communications was dissolved. That company no longer exists. There are no employees or managers—that firm ceased all operations.

Well who is this new Javelin Marketing?

It’s a company that hired some of us and continues to provide services similar to what NF Communications provided. But it is not related to NF Communications and the owners are different.

But who can I talk to about my booklets that I paid for?

NF Communications was dissolved. That company no longer exists. There are no employees or managers—that firm ceased all operations. There is no one to talk to. There is nothing that you can do and nothing that I can tell you to do.

If they are insistent and just don’t get it, transfer them to extension 218. I am going to transfer you to a recorded phone message that the managers left before they were terminated.

For your info—here’s what the phone message says:

You have reached the phone lines of NF Communications. The company was dissolved on December 15 and all assets have been liquidated. The last assets were used to meet the final payroll. The company no longer has employees or operations and the management and employees of NF Communications are very sorry for the inconvenience this causes.

This dissolution does not affect the Certified Retirement Financial Advisor Program which is a separate program and separate legal entity with separate personnel. If you are a participant in the SeniorLeads program, another company has taken that over and will contact you shortly.

All other operations have ceased and there is no personnel remaining to return your call. There are no employees at all to complete anything in process or to handle any issues. We are very sorry about the inconvenience this creates for all parties involved and to the vendors who have been left with unpaid invoices.

The "Javelin Gambit" in pictures - Part I

2006-12-17T11:06:00.000-08:00

Larry routinely discussed his "challenges" with the NASD and everyone that ever worked for him heard him discuss starting a "new company"... one without his "finger prints" on it...

He THOUGHT he could do that with "Javelin".

NF Communication is "dissolved" on 12/15/06 -- the doors were closed for good. However, just days before he informed the employees that he was preparing to fire, he came up with "the big idea".

Here's the first step... Javelin Marketing's website on 12/16/06

The "Javelin Gambit" in pictures - Part II

2006-12-17T10:56:00.000-08:00

Larry disappears and this new guy "Bob" pops out of a hat with the same damn credentials... how in the world does that happen?

The "Javelin Gambit" in pictures - Part III

2006-12-17T10:53:00.000-08:00

The "Javelin Gambit" in pictures - Part IV

2006-12-17T10:45:00.000-08:00

The "Javelin Gambit" in pictures - Part V

2006-12-17T10:41:00.000-08:00

Larry's reply to the "compliance guy"

2006-12-17T10:16:00.000-08:00

Name Withheld,

Thank you for your email. Even though I will be leaving NF Communications in 2 days and have nothing to do with that company or with CRFA after Feb 2 2007, here are the facts to set the record straight.

I was never accused of fraud. That is absurd and plain wrong. I have never been involved in an action by the SEC. Please read attached and I have the NASD transcript to prove everything therein. If you would like them, I am happy to send a copy.

By the way--I had the NASD facts reviewed by a REAL judge and I have attached his comments.

The Businessweek and Kiplinger articles are groundless as they do not directly comment on CRFA but all "senior credentials." No one from these publications have attended a course or seen the self study materials. Therefore, it would be impossible for them to know the validity of the materials. Would you like to do some due diligence? The Society would be happy to send you a copy so you can have the facts. (The CFP Board did review the program and gives 30 CE hours to CFP designees for CE credit.) The Society has lobbied for tighter regulations of senior credentials and senior advisors and you can see our comment letter filed with the State of Massachusetts. http://www.sec.state.ma.us/sct/sctpropreg/propreg.htm

The issue would never apply to anything I have written or issues by NF Communications: http://www.nasd.com/RulesRegulation/NoticestoMembers/2006NoticestoMembers/NASDW_017265

Our materials never ever recommend a product or suggest that a client buy anything. That's for the rep to do. The NASD may have a hard time distinguishing between information and a solicitation because they son;t understand that the two are different.

Thank you for the opportunity to clear this up. If you ask your reps who have used my services or those of NF Communications, you'll find I have made a positive difference in their business with integrity. You can read comments at www.nfcom.com/feedback. I know its easier to rely on hearsay and the press but if you dig a little, you can get the truth.

Thank you and best of luck to you and Brooksteet and your reps. Your firm and Stan have always impressed me.

Larry Klein

-----Original Message-----
From: compliance@nfcom.com [mailto:compliance@nfcom.com]
Sent: Wednesday, December 13, 2006 12:17 PM
To: lk@nfcom.com
Subject: FW: Current NASD Advertising violations

Someone didn't like Larry I think...

2006-12-17T10:08:00.000-08:00

Please comment and advise.

Thanks,

Name withheld
National Branch Compliance Manager,
Brookstreet Securities
2361 Campus Drive #210 Irvine, Ca 92612
1(800)268-2578 ext 181
FAX (949)679-6730
Name withheld@mail.bkst.com

-----Original Message-----
From: Name withheld [mailto:chris52649@yahoo.com]
Sent: Saturday, December 09, 2006 8:51 AM
To: Name withheld
Subject: Current NASD Advertising violations

The registered representatives of your firm are using marketing products from Larry Klein and his two companies NF Communications http://www.nfcom.com/ and the CRFA “Professional Designation” and marketing system http://www.crfa.us/.

1) In 1996 Larry Klein was expelled on a lifetime basis by both the Securities & Exchange Commission and the NASD for fraudulent business activities with senior citizens and was ordered to pay over $400,000 in restitution for his marketing strategies used against senior citizens http://www.sec.gov/litigation/opinions/3437835.txt

2) In 2005 Businessweek chose to produce the following article on the fraudulent marketing products sold by Larry Klein.

http://www.businessweek.com/magazine/content/05_06/b3919132_mz070.htm

3) On page 65 of the 2006 Kipplingers Retirement Guide please review the article titled “Beware the FLIMFLAM MAN” describing the CRFA “Professional Designation” listed above and discussing regulatory actions being taken against NASD member firms.

4) If a registered representative at your firm is using the CRFA designation or NF Communications marketing material it may be useful to request they submit not only the portion of the marketing system addressed by old NASD review letters dated 2001-2005 (the NASD stopped reviewing NF products in early 2006) but also the remaining portion of the system not addressed by the NASD to ascertain its compliance with http://www.nasd.com/RulesRegulation/NoticestoMembers/2006NoticestoMembers/NASDW_017265 which took effect December 1, 2006.

Larry get's a "bright" idea... the "Javelin Gambit"

2006-12-17T09:33:00.000-08:00

What you see here is a copy of the start of it all...

Larry details to his two accomplices (staff) what those of us following his "escapades" have come to call "Larry's Best Idea EVER!"

Yup, this is the big one folks!

Here is the actual memo from Larry and can someone PLEASE explain to me how in the world he manages to stay out of jail? (I used to ask myself how he could stay in business and out of jail... now that NF Communications is dead... well you get my point!

_________________

Barry—pls set a meeting with Jason and I to review this

It’s possible for us to continue selling booklets and books and this make some sense

1. let’s total up booklets books sold last 6 months
2. let’s find an outside service that can produce these and their requirements (note that we have always had books produced outside—don’t know if we can do same with booklets at affordable price)
3. If so, we can conceivably continue to produce booklets and books but not produce them—i.e. Ashley would merely transmit pdf files to outside printers
4. we need to locate and outside printer to handle—note that our current printer for books, Deharts, will be burned when NF closes as we owe them probably $10,000 so we need to find a new printer. Do a search on “short run printers” and also consult with Jason. Currently, we have the books printed and shipped to us for inspection before we send to the client. This is a stupid system necessitated by the fact that we have had too many orders that were not right. With any new printer, we need to make the arrangement that they ship directly to the client and if client refuses to pay for quality reason, the printer will reprint. Our client should deal directly wit the printer for proofing and we should do nothing other than sell the item, typeset and email the pdf to the printer.
5. If we can do $400,000 of business in books and booklets and the margin to us is at least $100,000, then we could keep Ashley at $48,000. Any less margin than that makes no sense and even $100,000 of margin may be too little to bother. We would d no printing—the only work would be computer work and client contact.
6. Note that we need plan to continue to submit the booklets to the NASD as we need to use them for SeniorLeads.
7. we had created a system to make electronic booklets (our client would create their own booklet n the Internet and print themselves). I don’t believe the volume has ever taken off. The hope was that we would no longer need to have booklet printed but the advisors seem to still want booklets printed. Need to talks with Jason and see if he agrees—we might want to eliminate the personalized electronic booklets and only offer the printed personalized booklets (this would increase the printed booklet volume).

Webinars

My involvement with Javelin will be zero as far as the outside world sees. Therefore, the webinars in their current form will not work as
1. the company sends a postcard to get attendance featuring me as the presenter
2. I present
3. the sales people follow up to close

The webinars will work if the following change is made

1. the postcards are sent by an outside printer not naming Javelin—the postcard comes from me
2. I present (we use an Internet based system that would not show Javelin in any way)
3. I call and close the sale after
4. I have the materials shipped from an outside printer
Therefore, this system would not involve Javelin at all. It would be a product of Larry Klein.
5. This necessitates filing of items with NASD as has been done. If these filings are problematic, we still do business with about 50% of the potential buyers who don’t care about NASD review.
6. To facilitate NASD review, neither Javelin or Larry Klein should be the submitter of items to NASD but rather a company that does nothing else. That company could then also promote these items directly to BDs. In other words, a company would exist that does nothing but create materials (I create them), files them for NASD review and then licenses them for use (to Javelin, to me and to other parties). I would have no visible relationship with that company.

My activities

1. provide Javelin all services for which no one else can readily supply (invisible to anyone)
2. continue webinars and sell TPS (no involvement of Javelin)
3. start a firm that provides a service to help reps convert to RIAs
4. distribute insurance products
5. other coaching
6. conduct items 2-5 under the name Denovo

Larry definitely is NOT involved with Javelin Marketing... RIGHT!!!

2006-12-17T09:10:00.000-08:00

NF Communications customer support blind sided

2006-12-17T08:59:00.000-08:00

Ok... back to compliance issues... for 10 months the "standard line" when asked about when the NASD review letters would be available was, "We were told that they would be here today or tomorrow..."

Here's customer service on 12/12/06, just three days before Larry walked into the company pizza party and informed the staff that he was closing the doors of NF Communications (read that; "dissolving") forever.

__________________

Dear John,

As I mentioned in my first email, all the materials we have in our possession are already posted at www.nasdletters.com. Once we receive the materials, they will be posted immediately. I was told we were receiving them today or tomorrow, so this should resolve your compliance issue.

If you have any further questions or concerns, please feel free to contact our office directly.

Thank you,

Jessica A. Haun
Customer Support
NF Communications, Inc.
1700 North Broadway, Suite 405 Walnut Creek, CA 94596
(800) 980-0192. Ext. 231
cs2@nfcom.com

24 Hour Online Support for program owners can be accessed at
http://www.nfcom.com/support/

You just can't make this stuff up!

2006-12-17T07:46:00.000-08:00

So, what you're saying is... that Larry Klein has NOTHING to do with Javelin? And, NF Communications "dissolved"? Ummm...

Larry Klein's answer to compliance problems

2006-12-17T07:31:00.000-08:00

Below please find the response Larry recently sent a rep who is unable to use NF Communications products due to lack of a current NASD review letter. Instead of explaining why the NASD has not issued him a review letter in 12 months he simply refers to the prospective clients compliance department as "...children.."

Its easy to see why Larry is such a popular guy.

__________

I recommend you switch BDs. I am trying to solve a problem and they act like children.

you dont need that.

Thank you,

Larry Klein, CPA/PFS, CFP®
Certified Retirement Financial Advisor™
NF Communications, Inc.
Marketing and Education Programs for Financial Advisors
1700 N. Broadway, Suite 405 Walnut Creek, CA 94596
800-980-0192 www.nfcom.com

From a NF Communications employee dated 11/30/06

2006-12-17T07:17:00.000-08:00

At this weeks company meeting Larry informed the staff that he was ".....close to obtaining a huge cash settlement from a former contractor who ripped us off...", all of us are highly concerned the company will soon collapse & everyone in production (just 3 left) currently spend all of their time searching for jobs on the Internet.

He keeps messing with payroll, so frankly I don't feel bad!

Larry is trying to assure staff the pending inflow of cash will save the company and allow the company to raise salaries.

His 2006 submissions from the NASD haven't been returned after 9 months so its safe to say the NASD has officially ended his ability to receive new product review letters.

Come January 1, 2007 his existing catalog of 2005 NASD review letters will be about as valuable as a postage stamp!"

"Pay no attention to the Larry Klein... ummm... the man behind the curtain!

2006-12-17T07:06:00.000-08:00

Larry Klein attempts to disappear and "reinvent" himself overnight

2006-12-16T18:26:00.000-08:00

Watch closely as Larry Klein and his privately owned NF Communications, Inc. attempt to reinvent Larry overnight into; Javelin Marketing -- but with Larry "supposedly" not involved.

Less than 24 hours after he shut down NF Communications, leaving employees and joint venture partners "inconvenienced" and unpaid vendors with "unpaid invoices", Javelin EMERGES from the ashes, as a white night, to save the day...

Let's discover the truth over the next few days and see if Barry and Jason have enough balls to create Larry's "cover" and go to prison for his fraud!

NASD Compliance Problems With Larry Klein's...

2006-12-16T11:36:00.000-08:00

Materials, or materials produced by NF Communications

Does anyone care to comment on that? I recently saw a letter on the internet that's suposedly been forwarded to compliance officers at most of the broker/dealers around the country, it was pretty damning and I'm wondering if it wasn't a significant part of his undoing?

Here's just part of it...

Subject: Current NASD Advertising violations

The registered representatives of your firm are using marketing products from Larry Klein and his two companies NF Communications http://www.nfcom.com/ and the CRFA “Professional Designation” and marketing system http://www.crfa.us/.

1) In 1996 Larry Klein was expelled on a lifetime basis by both the Securities & Exchange Commission and the NASD for fraudulent business activities with senior citizens and was ordered to pay over $400,000 in restitution for his marketing strategies used against senior citizens http://www.sec.gov/litigation/opinions/3437835.txt

Obviously, there's much more... Has anybody else seen this?

The Day That NF Communication Closed Its Doors and "Reinvented" Itself as...

2006-12-16T09:23:00.000-08:00

"Javelin Marketing"

Every story has to begin somewhere. Ours will start at the end - NF Communications closing its doors. Companies close every day, but how many do you know give their employees only five hours notice? And that's five hours more notice than NF's customers had.

Listen in to this message and then feel free to comment!