1. Questions to Ask Private Bankers, Questions to Ask Financial Planer Some Overlap 1.

QUESTION TO ASK PRIVATE BANKER Questions on the organization of the bank/private banker What is the minimum amount to be invested? (This gives you a good feel whether the bank targets private banking clients that are similar to you) What is the value of assets under your firms management? (The number shows if it is a big institution with international reach or a smaller boutique. Dont forget to ask if the number has been growing or falling lately, and why) Since when have you been in the business of private banking? (Gives you a feel about their level of experience) Questions on the investment philosophy Describe your investment philosophy (Should match your philosophy as closely as possible) What are your weaknesses? (If they cant name any, then it stinks) What sets you apart from other wealth managers and private bankers? (Dont be satisfied with a general answer, insist on specifics) Are your performance figures verified by an independent third party? (Yes: good, No: bad) What is the process you follow for making investments? (There should be a clear step-by-step process, which involves a written evaluation of your preferences and wishes) Questions to the private banker directly To the adviser, directly: What qualifies you to provide wealth consultancy? (Again, you should insist on specifics like his level of experience or business degrees) To the private banker, directly: What is the your personal remuneration based on? (Is it based on how much fees he generates from you? Or is it based on the overall performance of his clients portfolios. If there is no clear answer assume the former) Questions on private banking fees What are your fees? (Ask specifically about transaction fees, flat fees, ticket fees, government fees...there are many ways by which they plan to part you from your money) Are there any hidden costs in the portfolio? If yes: How large are they typically? (Like fund fees, kickbacks) These are the questions that you should definitely ask in the first round to get all the basic facts and a good first impression about the private banker. However, we highly recommend you to dig deeper before you make you final decision. Pasted from http://peoplestalkradio.com/forums/s...ghlight=wealth Last edited by DsDragoon; Today at 06:15 PM. Reason: Fixing the link Every day is a gift! Reply Reply With Quote Blog this Post Thanks

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DsDragoon

Senior Member Join Date Jun 2011 Location Dallas/Fort Worth, Texas Posts 138 Thanks 105 Thanked 135 Times in 39 Posts 2. 1. How long have you been in practice? 2. Is this what you do exclusively? 3. Ask for client references. (They may not feel comfortable to give individual names as references, but more often will provide companies for which they perform services) 4. Let them know an approximate range of wealth for which you are getting their advice, and ask if that is a range with which they are either experienced or is that the range of their typical client? (A pointer: dont say the $ amount of your wealth, but rather refer to it in general terms like: Less than 1 million: six figures; 1 to 10 million: seven figures; and, above 10 million: 8 figures and up 5. Ask if you followed their advice and if there would be a regulatory, tax, or legal problem, would they be there for you during the audits, meetings, or legal proceedings until the situation is resolved? (Your concern here is that they are just going to tell you to hire other lawyers or professional help so who needs them? You just might as well go to the people they would send you to anyway!) 6. Ask if their services/work or they themselves are insured, guaranteed, or bonded, and up to what limits? (Typically their answer would be some multiple of $millions of coverage) 7. Ask if they have had personal experience defending or arbitrating for clients who have been(audited, sued, find, prosecuted; pick the term that would fit best for the service for which you are interviewing) 8. In those situations did they prevail, or were they able to successfully represent or defend their clients? 9. Ask for their education, certificates, licenses, and/or certifications they have achieved or have earned. 10. Ask them for any professional memberships or associations in which they may be a member in good standing. Also, please note you can check out their standing with state bar associations or licensing bureaus. If your goals and/or investments will be not only in your current state but come under the jurisdictions of other states or countries, ask if they are licensed in these areas or do they have professional relationships in these areas where you will need these services? Pasted from http://peoplestalkradio.com/forums/s...ghlight=wealth

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Senior Member Join Date Jun 2011 Location Dallas/Fort Worth, Texas Posts 138 Thanks 105 Thanked 135 Times in 39 Posts 3. Here are some questions for you. Questions on the organization of the bank/private banker What is the minimum amount to be invested? (This gives you a good feel whether the bank targets private banking clients that are similar to you) What is the value of assets under your firms management? (The number shows if it is a big institution with international reach or a smaller boutique. Dont forget to ask if the number has been growing or falling lately, and why) Since when have you been in the business of private banking? (Gives you a feel about their level of experience) Questions on the investment philosophy Describe your investment philosophy (Should match your philosophy as closely as possible) What are your weaknesses? (If they cant name any, then it stinks)

What sets you apart from other wealth managers and private bankers? (Dont be satisfied with a general answer, insist on specifics) Are your performance figures verified by an independent third party? (Yes: good, No: bad) What is the process you follow for making investments? (There should be a clear step-by-step process which involves a written evaluation of your preferences and wishes) Questions to the private banker directly To the adviser, directly: What qualifies you to provide wealth consultancy? (Again, you should insist on specifics like his level of experience or business degrees) To the private banker, directly: What is the your personal remuneration based on? (Is it based on how much fees he generates from you? Or is it based on the overall performance of his clients portfolios. If there is no clear answer assume the former) Questions on private banking fees What are your fees? (Ask specifically about transaction fees, flat fees, ticket fees, government fees...there are many ways by which they plan to part you from your money) Are there any hidden costs in the portfolio? If yes: How large are they typically? (Like fund fees, kickbacks) These are the questions that you should definitely ask in the first round to get all the basic facts and a good first impression about the private banker. However, we highly recommend you to dig deeper before you make you final decision. Reply Reply With Quote Thanks Pasted from http://peoplestalkradio.com/forums/s...ghlight=wealth Last edited by DsDragoon; Today at 06:21 PM. Reason: Making Shorter and Fixing the link Every day is a gift! Reply Reply With Quote Blog this Post Thanks

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Join Date Jun 2011 Location Dallas/Fort Worth, Texas Posts 138 Thanks 105 Thanked 135 Times in 39 Posts 4. READ THIS Honugirl1! Found this on CXC!! Seems cedible! Good reading while we wait for the V!! Our Personal Visit With Chase Bank 6/25/11 - Littlered Today at 2:07 pm r601 This is First Hand Information We(myself, my brother, and 2 other people in my group) went to visit with a personal banker at the main Chase Bank in Ft. Worth, today. We spent about 2 hours with her. Before I give you the question and answer session let me fill you in a little bit of what we picked up between the lines. We knew going in she could not give a date and rate, but I did ask her if she could at least state if the rate was known by the bank, she said she could not say. Then I reworded my question and asked if she had the money and the opportunity would she invest? Her answer was yes. Several times in our conversation she would state "WHEN" it becomes tradable, not "if" it becomes tradable. Facial expressions while talking we felt like she does know something although she did not or could not say that she did. Here is the jest of our conversation today. Q - Did Chase Bank take any bail out money? A - No we did not, however in defense for some banks, any bank that was teetering was forced by the government to take the bail out money rather they wanted to or not. Q - Do we need a pre-existing account to be able to cash-in our dinar? A - It is not necessary to set up an account right now, but you will need an account at least 1 day before cashing in. In other words, say it becomes tradable on Monday, you can open an account on Tuesday, and exchange your dinar on Wednesday. You are welcome to open an account at any time. Q - Will there be any fees or hidden fees for cashing in? A - No hidden fees at all. When you come in to exchange we will overnight the dinar to Dallas and it will be available in your account in one business day. Keep in mind if it is during the week it must be before 4pm. If you come in on a Saturday, it will be Monday before it can be overnighted. Q - How will you verify our dinar before sending to Dallas? A - When it becomes trad able we will be able to verify it online just as we do all other tradable foreign currencies. Q - Do we need an appointment to cash-in? A - No you do not, however I would recommend that you do to avoid having to sit in the lobby and wait.

Q - When we come in to cash-in do we need to see a personal banker or just go to the teller. A - You can go to the teller, however going to a personal banker would be better if you will have large sums. We can go behind the teller line to handle your deposit making it more private where going to the teller you many have people standing in line behind or around you that can hear or see what you are doing. Q - Dealers are promising CBI buy rate, you stated on the phone that Chase will be giving the Federal Reserve Rate with no spread, what is the difference between the buy rate and the Federal Reserve rate? A - I do not know the difference. Chase is required to give the Federal Reserve rate. Any bank that says they will give you more than the Federal Reserve rate would be loosing money because they would be paying the difference out of their own pocket. Q - We have been told that different forum sites are working a deal with different banks to get their group a better deal or better rate at a particular bank. Will Chase Bank do the same? A - It is illegal for any bank to give preferred rate or treatment to one group or individual than another. It would be discrimination. What we would give to one person or one group is what every person doing business with Chase Bank would get rather they be a new customer or an old one. Q - What does Chase Bank have to offer us that Bank of America can't offer or any other bank for that matter? A - Technology, you are not just getting a bank you are getting all the bells and whistles. Such as, if you have a smart phone there is an app where you can take a picture of the front and back of your check and it is deposited to your account and you wont even have to go to the bank to make that deposit. Q - What is a Tag account or brokerage account? do we need to put our money in one of these accounts first until we can get LLC's or trusts set up? Does it protect our money? A - We do not have tag accounts. A brokerage account is set with a Financial Adviser. It can be a savings brokerage account or an investment account. An adviser will sit down and discuss with this with you. A brokerage account still falls under the FDIC limits of 250000 per signer. Q - Does Chase Bank offer privileges such as investment management, concentrated stock management and intergenerational wealth transfer strategies? A - We have a dedicated financial adviser. He will do a risk assessment. He would be your point of contact. Chase Bank financial adviser has a series 7. ( I did not ask what is a Series 7, I should have. Maybe some one on here knows and can enlighten us) Q - Does Chase Bank offer privileges such as no fees ever, no cashier check fees, no bank fees, no credit card fees or annual membership fees, free use of a safety deposit box? What about Credit Cards? A - Yes - it depends on the account you choose, however we can not change what another bank charges for your withdrawal. As of July 1, 2011 no bank can give rewards on debit cards. Credit cards we have a Freedom Card, you earn a total of 5% cash back in quarterly bonus categories that change. Categories include gas, groceries, travel, even home improvement. 5% cash back categories are subject to a quarterly maximum. Signing up is free and easy, 1 point per dollar (1% cash back) on all other purchases, 1000 bonus points ($10 bonus) after first purchase. Here are the different accounts we have..... Chase Total Checking: Benefits - Free Chase Debit Card, free Online Banking and Bill Pay, Free Chase Mobile, Free account alerts, Free access to more than 5100 Chase branches and 15,000 Chase ATM's. No monthly Service fee with direct deposit of $500 or more, Or with a $1500 or more in deposits/investments, or pay $25 or more in qualifying checking-related services or fees. Otherwise, $12 Monthly Service Fee. Chase Premier Plus Checking Benefits - Same as Chase Total Checking and Free Chase design checks, free safe deposit box (where available), No monthly service fee on two additional Chase Premier Plus Checking accounts, No monthly service fee on Chase plus savings, No monthly service fee on Chase Business Select checking, No Chase fee on 4 non-Chase atm withdrawals, No fee on money orders, official checks, travelers checks and gift cards.

No Monthly service fee with $15,000 or more in deposits/investments. Otherwise $25 monthly service fee. Chase Premier Platinum Checking Benefits, Same as Chase Total Checking and Free Personal style checks, Free safe deposit box (where available), No monthly service fee on chase plus savings, no monthly service fee on chase business select checking, No chase fee on non-chase atm withdrawals, No fee on money orders, official checks, travelers checks and gift cards, no fee on overdraft protection transfers, No fee on stop payments. No monthly service fee with $75000 or more in deposits/investments. Otherwise $25 monthly service fee. Q - We have heard that we need to wait to send out any wires once our money is deposited or Home Land Security could freeze our account to check it out? A - I have heard of the IRS freezing an account or it being frozen because of back child support. If Chase Banks suspects fraud, we will freeze the account ourselves. I suppose it could happen, but I don't see it happening because the government already knows all about this. Q - Does Chase Bank have a De LaRue machine to verify our dinar? A - No we do not, it will be sent to Dallas over night. Dallas may have one, but I do not know for sure. Q - If our money is to be sent off for verification will it be insured or guaranteed? For instance what if the FedEx truck wrecked and caught fire, the truck was robbed, ect. Anything could happen. A - We FedEx every day and have never had anything happen although I guess it could. Your money is guaranteed. We guarantee the full amount any deposit that we take. I do not know the turn around time it would take to get your money as we have never had this happen. FDIC insurance is only for a bank that fails and is totally different from this guarantee. Q - What guarantee do I have if you send my money somewhere else, that where you are sending it is honest and there will be no fraud? A - As I said we will guarantee the full amount of any deposit, this includes even if fraud should happen. Chase Bank will prosecute should fraud occur rather it be inside the bank or where we send it for verification. Q - What kind of insurance programs does Chase Bank offer that will protect our money beyond what the FDIC insurance is currently at and how many years do they have to pay it back? A - We have no other insurance outside of FDIC. Investments are not FDIC covered. Q - When cashing in, would it be best to cash in a small amount, then set up trusts or LLC's and then cash in the rest after these are set up? A - It would be best to talk to a Tax attorney and CPA about this. Q - If we were to go to the corporate bank in Dallas instead of a branch would our money be verified on the spot and available immediately eliminating the need to overnight it? A - You can not go to Dallas. The corporate bank does not accept customers, it is like our back end shop. Q - I understand there are 2 kinds of financial advisers, Active Advisers and those who follow what is called modern portfolio theory, which kind of advisers does Chase Bank have? A - Chase Bank adviser will do based on what you want. No money is moved without your knowledge. I am not sure what a modern portfolio theory is. Q - What is your privacy policy, will we have secure accounts that can not be seen by normal banking operations, will our names not be given out to other groups in the bank? A - You can set it up however you want it. Any bank employee handling transactions or maintenance will be able to see your account.

Q - What are the benefits of a personal banker? A - A personal banker and a private banker are different. A personal banker is any banker on the floor and can handle any persons transactions regardless of the amount of their assets. A private banker only handles customers that have 1 million or more in assets. A private banker can negotiate interest rates on savings and CD's. Right now I advise against CD's because they are not paying anything right now. A private banker has a set number of clients and caters to their needs. If you use a private banker he/she is the only one that can handle your banking needs or maintenance on your account. Q - What if you have previously had a problem at another bank and you know it has not been cleared up, will this prevent one from opening a Chase Bank account at the time of cash-in? A - If you had one at a Chase bank that went to collections you will not be able to open another account. If there was a problem at another bank sometimes they will let you open an "Access Account", or 2nd chance account. This will allow you to have an ATM card for atm withdrawals or in bank withdrawals only. You will not be able to use it for purchases and will not be allowed to write checks. Q - Attached is an email received that regarding how currency is taxed. It states that a form has to be filled out before exchanging as spelled out in Section 988 of the IRS Tax Code. Are you familiar with this form and are they available at Chase Bank. A - I am not familiar with this form and we do not have them. It would be best to discuss this with your CPA and Tax Attorney before cashing in. Q - What kind of interest on Ce's Ira's or savings accounts can we look for ant what determines those rates? A - She gave us a print out of the current rate. It will be best for you to discuss this with your private banker as he can negotiate rates. Q - Can we make purchases over 5 - 10000 without any problem or is it recommended to do all larger transactions through our banker, or financial adviser. A - Any major purchases would be best handled with a cashier check from the bank. If you are just going shopping for clothes ect then it would be best to use your debit card. It is not wise to carry that much cash on you. If you are traveling we recommend using your credit card. Q - Do we have access to our account nation wide and 24/7? A - Yes through our online banking system, telephone banking system and in case of fraud you can use our customer service dept. Q - Will Chase Bank provide us with confirmation letter of transaction in detail signed by the Private Banker and the bank president? A - No, this location does not have a president we have a CEO and I can't see him signing a letter like that. You will get a receipt of your deposit and that is really all you will need. Q - Can we open a foreign checking account at Chase and if so how does that work? A - We do not have foreign currency accounts. I worked for Wells Fargo before working for Chase and they do not have them either. Q - will you provide us with references, or can a Private Banker provide references? A - We can not provide references as that would be braking the privacy by giving out names, addresses or phone numbers. I hope this helps answer a few questions some might have, I did my best to try to think of everything, but I'm sure I forgot something. littlered Dinar Veteran

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Senior Member Join Date Jun 2011 Location Dallas/Fort Worth, Texas Posts 138 Thanks 105 Thanked 135 Times in 39 Posts 10 Questions to Ask When Choosing A Financial Planner Wednesday, July 27, 2011 12:19 PM Questions to Ask A Financial Planner or Advisor You may be considering help from a financial planner for a number of reasons, planning for retirement or your childrens education, looking to minimize estate taxes, investing your "serious money" or simply to have the peace of mind that you're on track that comes with working with an experienced professional. You only get one chance at major goals in your life, but an experienced planner has been through these things many times before. In many cases, working with a financial planner can be a helpful step in securing your financial future. The questions below will help you interview and evaluate a financial planner to see if they're right for you. You will want to select a competent, qualified professional with whom you feel comfortable, one whose expertise and business style suits your financial planning needs. An interview checklist has been included for your convenience. 1. What experience do you have? Find out how long the planner has been in practice and the number and types of companies with which she has been associated. Ask the planner to briefly describe her work experience and how it relates to her current

practice. Choose a financial planner who has a minimum of five years experience counseling individuals on their financial needs. If you are receiving investment advice, it is advisable to work with someone who has been an advisor through at least one recession or down stock market. 2. What are your qualifications? The term "financial planner" is used by many financial professionals (and many non-professionals). Ask the planner what qualifies him to offer financial planning advice and whether he holds a financial planning designation such as the Certified Financial Planner or Chartered Financial Analyst marks. Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. These professional designations show dedication to the profession and the ability to pass detailed examinations. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or licenses, check on his background with the FINRA, AIMR, CFP Board or other relevant professional organizations. 3. What services do you offer? The services a financial planner offers depend on a number of factors including credentials, licenses and areas of expertise. Financial planners cannot offer insurance or securities products such as mutual funds or stocks without the proper licenses, or give investment advice unless registered with state or Federal authorities. Some planners offer financial planning advice on a range of topics but are not licensed and do not offer financial products. Others may provide advice only in specific areas such as estate planning or on tax matters. 4. Are you independent of financial product sponsors? Getting financial advice from financial product sponsors is like asking a car salesman whether you should buy a car....today. Product sponsors include stock brokerage firms (discount and full service), insurance companies and banks. Ask the financial planner about the type of clients and financial situations he or she typically likes to work with. Some planners prefer to develop one plan by bringing together all of your financial goals. Others provide advice on specific areas, as needed. Make sure the planners viewpoint on investing is not too cautious or overly aggressive for you. Some planners require you to have a certain net worth before offering services. Find out if the planner will carry out the financial recommendations developed for you or if you must go elsewhere to do so. 5. Will you be the only person working with me? The financial planner may work with you himself or have others in the office assist him or her. You may want to meet everyone who will be working with you. If the planner works with professionals outside his own practice (such as attorneys, insurance agents or tax specialists) to develop or carry out financial planning recommendations, get a list of their names to check on their backgrounds. 6. How will I pay for your services? As part of your financial planning agreement, the financial planner should clearly tell you in writing how she will be paid for the services to be provided. Planners can be paid in several ways: a salary paid by the company for which the planner works. The planners employer receives payment from you or others, either in fees or commissions, in order to pay the planners salary. fees based on an hourly rate, a flat rate, or on a percentage of your assets and/or income. commissions paid by a third party from the products sold to you to carry out the financial planning recommendations. Commissions are usually a percentage of the amount you invest in a product. a combination of fees and commissions whereby fees are charged for the amount of work done to develop financial planning recommendations and commissions are received from any products sold. In addition, some planners may offset some portion of the fees you pay if they receive commissions for carrying out their recommendations. 7. How much do you typically charge? While the amount you pay the planner will depend on your particular needs, the financial planner should be able to provide you with an estimate of possible costs based on the work to be performed. Such costs would include the planners hourly rates or flat fees or the percentage he would receive as commission on products you may purchase as part of the financial planning recommendations. 8. Are you licensed by your state or FINRA in Securities or Insurance? Many financial planners offer advice in securities or insurance when they are not licensed in these areas. Some states do not require licensing but consumers should insist that their advisor be properly regulated and licensed. Licensed persons must pass examinations and have many hours of continuing education annually.

However, some licensed advisors are merely salesmen in an advisors suit. Ask the planner to provide you with a description of her conflicts of interest in writing. For example, financial planners who are employees of banks, insurance companies or investment firms often favor their own company products, even when less competitive. The planner may also have relationships or partnerships that should be disclosed to you, such as business he or she receives for referring you to an insurance agent, stockbroker, accountant or attorney for implementation of planning suggestions. 9. Have you ever been publicly disciplined for any unlawful or unethical actions in your professional career? Several government and professional regulatory organizations, such as the FINRA, your state insurance and securities departments, and the CFP Board keep records on the disciplinary history of financial planners and advisers. Ask what organizations the planner is regulated by, and contact these groups to conduct a background check. (See listing at end.) All financial planners who have registered as investment advisers with the Securities and Exchange Commission or state securities agencies, or who are associated with a company that is registered as an investment adviser, must be able to provide you with a disclosure form called Form ADV or the state equivalent of that form. Many financial planners do not hold securities or insurance licenses. 10. Can I have it in writing? Ask the planner to provide you with a written agreement that details the services that will be provided. Keep this document in your files for future reference. Inserted from http://www.mwboone.com/library/10q.php Last edited by DsDragoon; Today at 06:24 PM. Reason: Added the link Every day is a gift! Reply Reply With Quote Blog this Post Thanks

11. Today 06:23 PM #6 DsDragoon

Senior Member Join Date Jun 2011 Location Dallas/Fort Worth, Texas Posts 138 Thanks 105 Thanked 135 Times in 39 Posts Check list for Interviewing A Financial Planner Planner Name: _______________________________________ Company: _______________________________________

Address: _______________________________________ Phone: _______________________________________ Date: _______________________________________ 1. Do you have experience in providing advice on the topics below? If yes, please indicate the number of years. Retirement planning ________ Investment planning ________ Tax planning ________ Estate planning ________ Insurance planning ________ Integrated Planning ________ Other________________________________________ 2. What are your areas of expertise and how do your qualifications in those areas compare to others?___________________________________________ _ __________________________________________________ 3. A. How long have you been offering financial planning advice to clients? Less than five years Five to 10 years 10 to 20 years More than 20 years B. How many core clients, those whom with you have a regular quarterly contact, do you currently have? Less than 10 clients 11 to 39 40 to 79 80 + 4. Briefly describe your work history: _______________________________________________ _______________________________________________ _______________________________________________ _______________________________________________ 5. What are your educational qualifications? Give area of study. Undergraduate Degree _________________________ Advanced Degree _____________________________ Other ______________________________________ 6. What financial planning or investment management designation(s) do you hold? Certified Financial Planner or CFP Chartered Financial Analyst (CFA) Certified Public Accountant - Personal Financial Specialists (CPA-PFS) Chartered Financial Consultant (ChFC) 7. What financial planning related continuing education requirements do you fulfill? ______hours every______ 8. What licenses do you hold? Insurance (Life, Health, Disability, Long Term Care) Securities (NASD Series 7, 24, 63) Other __________________________________________________ ____ 9. A. Are you personally licensed or registered as an Investment Adviser with the:? State(s)? _________________________________ Federal Government?

* If no, why not? _________________________________ B. Is your firm licensed or registered as an Investment Adviser with the: State(s)? _________________________________ Federal Government? * If no, why not? _________________________________ C. Will you provide me with your disclosure document Form ADV or its state equivalent form? Yes No If No, why not _________________________________________ 10. What services do you offer? _________________________________________________ _________________________________________________ _________________________________________________ _________________________________________________ 11. Describe your approach to financial planning. _________________________________________________ _________________________________________________ _________________________________________________ _________________________________________________ 12. A. Who will work with me on my plan? Planner __________________________________ Associate(s)_______________________________ B. Will the same individual(s) review my financial situation? Yes No If no, who will? _________________________________________ 13. How are you paid for your services? Fee Commission Fee and commission Salary Other________________________________ 14. What do you typically charge? A. Fee: Hourly Rate $_____@ hour Flat fee (range) $_____ to $________ Percentage of assets under management _______ percent 15. A. Are you employed by any company whose products or services you recommend? Yes No Explain _________________________________________ B. Can you implement the plan by making transactions for us or do we have to find a properly licensed person? Yes No

 Explain _________________________________________ C. Do professionals and sales agents to whom you may refer me to send business, fees or any other benefits to you? Yes No Explain _________________________________________ D. Are you regulated by the National Association of Securities Dealers (NASD)? Yes No E. Do you have oversight specifically for your insurance recommendations (i.e. licensed with the State Insurance Commissioner) Yes No Explain _________________________________________ 16. Do you provide a written client engagement agreement? Yes No Explain _________________________________________ To Check the Disciplinary History of A Financial Planner or Adviser National Association of Securities Dealers 800-289-9999 or http://www.finra.org/index.htm Certified Financial Planner Board of Standards 888-CFP-MARK North American Securities Administrators Association 888-84-NASAA National Association of Insurance Commissioners 816-842-3600 National Fraud Exchange (fee involved) 800-822-0416 Securities and Exchange Commission 800-732-0330 To Find a Financial Planner in Your Area MWBoone and Associates, LLC 777 - 108th Ave NE Suite 2230 Bellevue, WA 98004 Certified Financial Planner Board of Standards 888-CFP-MARK (888.237.6275) Fax: 303-860-7388 Web: http://www.cfp.net Association for Investment Management and Research www.aimr.org Institute of Certified Financial Planners 800-282-PLAN International Association for Financial Planning 888-806-PLAN American Institute of Certified Public Accountants-Personal Financial Planning Division 800-862-4272 American Society of CLU & ChFC 800-392-6900 Some of the information on this page is provided as a public service by the Certified Financial Planner Board of Standards. A nonprofit, professional regulatory organization, the CFP Board exists to benefit and protect consumers by setting ethical and competency standards for financial planning professionals.

1998 Certified Financial Planner Board of Standards, Inc. All rights reserved. Certified Financial Planner and CFP are federally registered service marks of the Certified Financial Planner Board of Standards, Inc. Inserted from http://www.mwboone.com/library/10q.php