Applications being accepted March 15, 2026 through June 30, 2026.
Our Young Advisor Team, affectionately known as "YATs," is a classification of all members who are 45 years of age or less and those who have been in the industry for five years or less. The group is a key demographic, and their leaders will soon shape the future of the industry.
The YAT Leader of the Year Award recognizes an advisor’s commitment to NAIFA, including service on local, state, and national committees and participation in the Leadership in Life Institute (LILI); involvement with state or federal legislative efforts; participation in external service work such as charities; and an ability to inspire others.

Cypress, TX
NAIFA-Texas President Rick Demko to Be Honored as YAT Leader of the Year
The National Association of Insurance and Financial Advisors (NAIFA) is thrilled to announce that Richard “Rick” Demko, CLU, ChFC, RICP, AEP, LUTCF, LACP, has been named the 2025 Young Advisor Team Leader of the Year. This award celebrates outstanding leadership, dedication, and impact within the financial advisory industry, recognizing individuals who exemplify the highest standards of excellence.
Demko, a NAIFA member since 2015, joined the Board of NAIFA-Houston in 2016. He became that chapter’s youngest-ever President in 2018 and served in that role through 2021. Under his leadership, NAIFA-Houston revitalized itself, came into compliance with NAIFA’s local-chapter standards, and became the largest local chapter in NAIFA. Demko has moved on to state-level leadership positions but remains active at the local level.
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