National Association of Insurance and Financial Advisors–Carroll/Howard — Sept. 8, 8:30 a.m. Eric Rittmeyer, of Fidelis Mortgage, will speak on "Evolution of the HECM: Today's Reverse Mortgage." Approved for two Life and Health Continuing Education Credits. Harvey Tegeler, 410-876-0500 by Sept. 5 to register. Guests are welcome. $35 for nonmembers. Best Western Catering and Conference Center, 451 WMC Drive, Westminster.