Comments on Proposed Rule:
Certain Broker-Dealers Deemed Not To Be Investment Advisers

[Release Nos. 34-42099; IA-1845; File No. S7-25-99]

• Comments have been received from individuals and entities using a variety of Letter Types:

• Letter Type A:

223



• Richard Millar, MBA, CFP, Olympia, Washington, April 5, 2005 (File name: rmillar8688.htm)
   
• Anat Kendal, Director, Financial Planning, March 31, 2005 (File name: akendal033105.htm)
   
• Memorandum from the Office of the Chairman regarding a March 30, 2005 meeting with representatives of the Financial Planning Association, dated April 5, 2005 (File name: fpa040505.pdf)
   
• Memorandum from the Office of the Chairman regarding a March 30, 2005 meeting with representatives of the Investment Counsel Association of America, dated April 5, 2005 (File name: icaa040505.pdf)
   
• Memorandum from the Office of the Chairman regarding a March 30, 2005 meeting with representatives of the Securities Industry Association, dated April 5, 2005 (File name: sia040505.pdf)
   
• Memorandum from the Office of Commissioner Glassman regarding a March 24, 2005 meeting with representatives of the Financial Planning Association, dated April 5, 2005 (File name: memo040505.pdf)
   
• Memorandum from the Office of Commissioner Goldschmid regarding a March 30, 2005 meeting with representatives of Legg Mason, Merrill Lynch, Morgan Stanley, Securities Industry Association, UBS Wealth Management, and Shearman & Sterling, dated April 5, 2005 (File name: memo-2-040505.pdf)
   
• Elisse B. Walter, Executive Vice President, Regulatory Policy and Oversight, NASD, April 4, 2005 (File name: nasd040405.pdf)
   
• Mercer Bullard, Founder and President, Fund Democracy, Inc. and Barbara Roper, Director of investor Protection, Consumer Federation of America, April 4, 2005 (File name: s72599-1830.pdf)
   
• Morgan Stanley, March 31, 2005 (File name: morganstanley033105.pdf)
   
• Steven W. Stone, Morgan, Lewis & Bockius LLP, March 29, 2005 (File name: swstone032905.pdf)
   
• Leon L. Morris, RFC, CLU, ACS, ChFC, CME, RMP, FFSI, Executive Director, Mortgage Institute for Financial Services Professionals, Inc., Atlanta, Georgia, March 29, 2005 (File name: llmorris6955.pdf)
   
• Paul M. League, QFP, CFP, Co-Founder, Chairperson and President, International Association of Qualified Financial Planners, March 25, 2005 (File name: s72599-1837.pdf)
   
• Nancy Lininger, Founder/Consultant, The Consortium, March 23, 2005 (File name: nlininger032505.pdf)
   
• Howard Erman, CFP, CRC, Branch Manager, Erman Retirement Advisory, Cypress, California, March 23, 2005 (File name: herman1838.htm)
   
• Memorandum from the Office of the Chairman regarding a March 9, 2005 meeting with representatives of the Personal Financial Planning Executive Committee of the American Institute of Certified Public Accountants, dated March 17, 2005 (File name: aicpa030905.pdf)
   
• Results of Investor Focus Group Interviews About Proposed Brokerage Account Disclosures, March 10, 2005 (File name: fcrpt031005.pdf)
   
• Memorandum from the Office of the Chairman regarding a February 10, 2005 meeting with representatives of the Securities Industry Association, dated March 10, 2005 (File name: sia031005.pdf)
   
• Mark A. Kaprelian, Secretary, Northwestern Mutual Investment Services, LLC, March 11, 2005 (File name: makaprelian031105.pdf)
   
• Memorandum from the Division of Investment Management regarding a March 10, 2005 meeting with representatives of the Securities Industry Association, dated March 14, 2005 (File name: sia031405.pdf)
   
• David Certner, Director, Federal Affairs, AARP, March 9, 2005 (File name: s72599-1827.pdf)
   
• ReBecca Koenig Roloff, SVP Global Financial Advice & Systems, American Express Financial Advisors Inc., March 4, 2005 (File name: aefa030405.pdf)
   
• Ron A. Rhoades, B.S., JD, Director of Research, CCO, Joseph Capital Management, LLC, March 4, 2005 (File name: s72599josephcap.pdf)
   
• John Sullivan, Wheaton, Illinois, February 24, 2005 (File name: jsullivan6299.htm)
   
• Theodore A. Miles, Director, Securities Bureau of the District of Columbia's Department of Insurance, Securities and Banking, February 23, 2005 (File name: tamiles0223705.pdf)
   
• David O. Spinar, Chief Compliance Officer, Securities America, Inc., February 23, 2005 (File name: s72599-1826.pdf)
   
• Memorandum from the Office of Commissioner Glassman regarding a February 17, 2005 meeting with representatives of the Consumer Federation of America and Investment Counsel Association of America, dated February 23, 2005 (File name: cfaicaa0223705.pdf)
   
• Henry H. Hopkins, Chief Legal Counsel, and Darrell N. Braman, Associate Legal Counsel, T. Rowe Price Associates, Inc., February 22, 2005 (File name: s72599-1824.pdf)
   
• Jonathan Smith, CEO/Partner, Jonathan Smith & Co., LLC, February 21, 2005 (File name: jsmith022105.htm)
   
• Memorandum from the Office of Commissioner Atkins regarding a meeting with representatives of the Investment Counsel Association of America and Consumer Federation of America, dated February 17, 2005 (File name: icaacfa021705.pdf)
   
• Raymond H. Gambel, retired, Metairie, Louisiana, February 17, 2005 (File name: rhgambel3429.htm)
   
• Jeffrey F. Goldman, Las Vegas, Nevada, February 17, 2005 (File name: jfgoldman6326.htm)
   
• Raymond H. Gambel, retired, Metairie, Louisiana, February 16, 2005 (File name: rhgambel3405.htm)
   
• Jeffrey N. Coffee, February 15, 2005 (File name: coffee2536.htm)
   
• Steven K. McGinnis, Loring Ward Securities, San Jose, California, February 14, 2005 (File name: skmcginnis8261.htm)
   
• Memorandum from the Office of Commissioner Glassman regarding a January 24, 2005 meeting with representatives of the Certified Financial Planner Board of Standards, Inc., dated February 11, 2005 (File name: cfpbs021105.pdf)
   
• Memorandum from the Office of Commissioner Glassman regarding a January 31, 2005 meeting with representatives of the Securities Industry Association, dated February 11, 2005 (File name: sia021105.pdf)
   
• Elisse B. Walter, Executive Vice President, NASD, February 11, 2005 (File name: ebwalter021105.pdf)
   
• Jeff Coffee, Las Vegas, Nevada, February 11, 2005 (File name: jcoffee1253.htm)
   
• James L. Budros, CFP, Principal, Budros Ruhlin Roe, February 9, 2005 (File name: s72599-1811.pdf)
   
• John J. Miller, attorney, Kansas City, Missouri, February 9, 2005 (File name: jjmiller9299.htm)
   
• Leon Morris, QFP, ChFC, RFC, CLU, ACS, CME, RMP, FFSI, Executive Director, Mortgage Institute for Financial Services Professionals, Inc., Woodstock, Georgia, February 9, 2005 (File name: lmorris4542.htm)
   
• Larry Pierce, CFP, Financial Advisor, Waddell Reed, La Crosse, Wisconsin, February 10, 2005 (File name: lpierce7675.htm)
   
• Robert Maeder, NAPFA affiliate and FPA/MA candidate, February 8, 2005 (File name: rmaeder7560.htm)
   
• Eric D. Hess, CFP, ChFC, managing director, McLean, Virginia, February 8, 2005 (File name: edhess5737.htm)
   
• Todd C. Ganos, DBA, CFP, Doolittle Ganos Investment Counsel, LLC, Carmel, California, February 8, 2005 (File name: tcganos3402.htm)
   
• Kenneth L. Kesler, Registered Representative, SWS Financial Services, Houston, Texas, February 8, 2005 (File name: klkesler6235.htm)
   
• Stephen D. Johnson, CFP, President, Johnson Marotta, Palo Alto, California, February 8, 2005 (File name: sdjohnson4819.htm)
   
• Theodore A. Miles, Director, Securities Bureau, Department of Insurance, Securities and Banking, District of Columbia, February 8, 2005 (File name: sbdisbdc020805.pdf)
   
• John H. Schaefer, President and Chief Operating Officer, Morgan Stanley, February 7, 2005 (File name: s72599-1749.pdf)
   
• Michael J. Sharp, General Counsel, Smith Barney, February 7, 2005 (File name: s72599-1744.pdf)
   
• Barbara Roper, Director of Investor Protection, Consumer Federation of America, February 7, 2005 (File name: s72599-1746.pdf)
   
• Mercer Bullard, Founder and President, Fund Democracy, Assistant Professor of Law University of Mississippi; Barbara Roper, Director of Investor Protection, Consumer Federation of America; Sally Greenberg, Senior Counsel, Consumers Union; and Ken McEldnowney, Executive Director, Consumer Action, February 7, 2005 (File name: s72599-1745.pdf)
   
• Ellen Turf, CEO, The National Association of Personal Financial Advisors, February 7, 2005 (File name: napfa020705.pdf)
   
• Steven W. Stone, Partner, Morgan, Lewis & Bockius LLP, February 7, 2005 (File name: morganlewis020705.pdf)
   
• David G. Tittsworth, Executive Director, Investment Counsel Association of America, February 7, 2005 (File name: icaa020705.pdf)
   
• Paul L. Matecki, Senior Vice President, General Counsel, Raymond James & Associates, Inc. and Raymond James Financial Services, Inc., February 7, 2005 (File name: rjai020705.pdf)
   
• James D. Price, Executive Vice President, UBS Financial Services Inc., February 7, 2005 (File name: ubsfs020705.pdf)
   
• Daniel B. Moisand, Melbourne, Florida, February 7, 2005 (File name: dbmoisand3312.htm)
   
• James Smith, Portland, Oregon, February 7, 2005 (File name: jsmith020705.htm)
   
• Terry P. Welsh, CFP, ChFC, CLU, FPA, SFSP; and Jill Campbell, President; The Planners Network, Ketchikan, Alaska, February 7, 2005 (File name: tpwelsh6523.htm)
   
• Harry L. Poplin, February 7, 2005 (File name: hlpoplin020705.htm)
   
• Anthony Ferreira, San Diego, California, February 7, 2005 (File name: aferreira2930.htm)
   
• John E. Bergland, Jr., CFP, February 7, 2005 (File name: jeberglandjr7388.htm)
   
• Kirk W. Francis, CEO, Cross Financial Services , San Antonio, Texas, February 7, 2005 (File name: kwfrancis7697.htm)
   
• Rebekah A Hammerlund, CFP, Owner, Allison and Company Financial Counselors LLC, Milwaukee, Wisconsin, February 7, 2005 (File name: rahammerlundcfp1428.htm)
   
• Randy Oldenburg, Camden Financial Management, Scottsdale, Arizona, February 7, 2005 (File name: roldenburg2440.htm)
   
• Duane R. Thompson, Group Director, Advocacy, Financial Planning Association, February 7, 2005 (File name: fpa020705.pdf)
   
• Mark A. Kaprelian, Secretary, Northwestern Mutual Investment Services, LLC, February 7, 2005 (File name: nmis020705.pdf)
   
• Stephen A. Batman, Chief Executive Officer, 1st Global, February 7, 2005 (File name: 1stglobal020705.htm)
   
• Paul S. Gottlieb, First Vice President and Assistant General Counsel, Private Client Counsel, Merrill Lynch, Pierce, Fenner & Smith Incorporated, February 7 2005 (File name: mlpfs020705.pdf)
   
• Ira D. Hammerman, Senior Vice President and General Counsel, Securities Industry Association, February 7, 2005 (File name: sia020705.pdf)
   
• Joel H. Framson, CPA/PFS, CFP, Chair, Personal Financial Planning Executive Committee, American Institute of Certified Public Accountants, February 7, 2005 (File name: aicpa020705.pdf)
   
• Jan K. Foval, FPA, Sun Prairie, Wisconsin, February 7, 2005 (File name: jkfoval8603.htm)
   
• Ed Hynes, CFA, President, Farm Creek Securities, LLC, February 7, 2005 (File name: farmcreek020705.pdf)
   
• Ronald C. Long, Senior Vice President, Regulatory Policy and Administration, Wachovia Securities, LLC, February 7, 2005 (File name: wachoviasec020705.pdf)
   
• Frederick Greene, February 7, 2005 (File name: fgreene4049.htm)
   
• Charles D. Meyer, MBA, CFP, Meyer Advisory Services, February 7, 2005 (File name: meyerad020705.pdf)
   
• Blaine P. Dunn, CFP practioner and consumer, Winchester, Virginia, February 7, 2005 (File name: bpdunn4043.htm)
   
• Steven D. Wightman, CFP, Wightman Financial Network, LLC, Lexington, Massachusetts, February 7, 2005 (File name: sdwightman8573.htm)
   
• William Ennis, February 7, 2005 (File name: wennis020705.htm)
   
• John G. Bowen, CPA, CFP, NAPFA Registered Adviser, Co-President Central VA Chapter of FPA, Midlothian, Virginia, February 7, 2005 (File name: jgbowen5830.htm)
   
• Craig Hillegas, Certified Financial Planner, Master of Science, Business Administration, Escondido, California, February 7, 2005 (File name: chillegas4155.htm)
   
• Vicki L. Lublin, Hartland, Wisconsin, February 7, 2005 (File name: vllubin020705.htm)
   
• Timothy P. Pinnington, President and Chief Executive Officer, TD Waterhouse USA, February 7, 2005 (File name: tdwaterhouse020705.pdf)
   
• Tamara K. Salmon, Senior Associate Counsel, Investment Company Institute, February 7, 2005 (File name: ici020705.pdf)
   
• Geoffrey F. Foisie, February 7, 2005 (File name: gffoisie020705.pdf)
   
• Thomas M. Wargin, CFP, CFA, Vice President, Liberty Financial Group, Inc, Elm Grove, Wisconsin, February 7, 2005 (File name: tmwargin5042.htm)
   
• Helen M. Mangano, Esq., New York, New York, February 7, 2005 (File name: hmmangano4432.htm)
   
• John K. Ritter, NAPFA Registered Financial Advisor, Ritter Daniher Financial Advisory, LLC, Cincinnati, Ohio, February 7, 2005 (File name: jkritter6489.htm)
   
• Lonna R. Weems, OSJ Manager, Tarzana, California, February 7, 2005 (File name: lrweems2818.htm)
   
• Kurt L. Hahn, Member of Financial Planning Association, February 7, 2005 (File name: klhahn7873.htm)
   
• John M. Scherer, CFP, Principal, Trinity Financial Planning, Madison, Wisconsin, February 7, 2005 (File name: jmscherer3650.htm)
   
• Brad A. Thompson, Financial Advisor, American Express Financial Advisors Inc., Dallas, Texas, February 7, 2005 (File name: bathompson5213.htm)
   
• Glenn M. Pape, CFP, Board Chair and Sarah Ball Teslik, Chief Executive Officer, Certified Financial Planner Board of Standards, Inc., February 6, 2005 (File name: cfpbosi020605.pdf)
   
• Charles O'Connor, FPA, Torrance, California, February 6, 2005 (File name: coconnor7414.htm)
   
• John D. Moore, Fremont, California, February 6, 2005 (File name: jdmoore4837.htm)
   
• John Dardis, Sr., Metairie, Louisiana, February 6, 2005 (File name: jdardis2234.htm)
   
• Ronald S. Pearson, CFP, Owner, Beach Financial Advisory Service, Virginia Beach, Virginia, February 6, 2005 (File name: rspearson8662.htm)
   
• Charles W. Dolci, Owner, CWD Consulting, Inc., Plantation, Florida, February 5, 2005 (File name: cwdolci8350.htm)
   
• Diane F. Miller, Miller Financial Planning, Somerville, Massachusetts, February 5, 2005 (File name: dfmiller5730.htm)
   
• Raj Pillai, Ph.D., CFP, NAPFA, Solon, Ohio, February 5, 2005 (File name: rpillai9897.htm)
   
• Joe LeBlanc, CFP, Member Financial Planning Association, San Diego, California, February 5, 2005 (File name: jleblanc8822.htm)
   
• Roy L. Komack, President, Family Financial Architects, Inc., Natick, Massachusetts, February 5, 2005 (File name: rlkomack8029.htm)
   
• Scott Grittinger, CFP, McCarthy Grittinger Financial Group LLC, Milwaukee, Wisconsin, February 5, 2005 (File name: sgrittinger8208.htm)
   
• Jonathan Marc Miran, Centennial, February 5, 2005 (File name: jmmiran7525.htm)
   
• Arthur F. von der Linden, CFP, Financial Planning Association, Lexington, Massachusetts, February 5, 2005 (File name: afvonderlinden9918.htm)
   
• Michael P. Haubrich, CFP, NAPFA and FPA, Racine, Wisconsin, February 5, 2005 (File name: mphaubrich3040.htm)
   
• Donald B. Trone, AIFA, President, Foundation for Fiduciary Studies, February 4, 2005 (File name: s72599-1747.pdf)
   
• Laurence S. Schultz, Federal Legislation Committee Chairman, Public lnvestors Arbitration Bar Association, February 4, 2005 (File name: s72599-1748.pdf)
   
• Betty J. Custer, CFP, Madison, Wisconsin, February 4, 2005 (File name: bjcuster8146.htm)
   
• D. Detwiler, business manager, February 4, 2005 (File name: ddetwiler5445.htm)
   
• Michael A. Dubis, CFP, President, Touchstone Financial, LLC; President, Financial Planning Association of Southern Wisconisn, National Association of Personal Financial Advisors Member, Madison, Wisconsin, February 4, 2005 (File name: madubis4205.htm)
   
• Jana Hazelbaker, CFP, Naples, Florida, February 4, 2005 (File name: jhazelbaker1722.htm)
   
• Mark Atherton, CFP, Member of NAPFA, FPA, Reston, Virginia, February 4, 2005 (File name: matherton7818.htm)
   
• Joseph R. Hollen, MD, CCPS, President, Hollen Financial Planning, Ltd., Reno, Nevada, February 4, 2005 (File name: jrhollen7193.htm)
   
• Robert M. Frey, CFP, Owner, Professional Financial Management, Inc., Bozeman, Montana, February 4, 2005 (File name: rmfrey7056.htm)
   
• Steven A. Weydert, CFP, NAPFA Board of Directors, Park Ridge, Illinois, February 4, 2005 (File name: saweydert9664.htm)
   
• W. Eric Hehman, CFP, NAPFA South Region Board Member, Austin, Texas, February 4, 2005 (File name: whehman3223.htm)
   
• Howard E. Singer, RIA, February 4, 2005 (File name: hesinger3946.htm)
   
• Sophie Kaluziak, CPA, Oak Park, Illinois, February 4, 2005 (File name: skaluziak7208.htm)
   
• Adam J. Leavitt, CFP, February 4, 2005 (File name: ajleavitt7234.htm)
   
• Glenn A. Bishop, President, GA Bishop and Associates, LLC, Carrollton, Texas, February 4, 2005 (File name: gabishop5876.htm)
   
• Stephen S. Overstreet, NAPFA Member, Winter Springs, Florida, February 4, 2005 (File name: ssoverstreet9820.htm)
   
• Kirk W. Kinder, financial advisor, fee-only planning firm, Palm Harbor, Florida, February 4, 2005 (File name: kwkinder2069.htm)
   
• Kevin P. Condon, Ph.D., CFP, Partner, Financial Advice dot com. , Denver, Colorado, February 4, 2005 (File name: kpcondon5604.htm)
   
• Eric D. Bruck, CFP, Senior Consultant, Allied Consulting Group, Los Angeles, California, February 4, 2005 (File name: edbruck1851.htm)
   
• Robert E. Maloney, MSFS, Annapolis, Maryland, February 4, 2005 (File name: remaloney4152.htm)
   
• Carrie Arsenault, February 4, 2005 (File name: carsenault1463.htm)
   
• Joanne Botson, Westlake, Ohio, February 4, 2005 (File name: jbotson6326.htm)
   
• Anthony Chara, concerned citizen, Aurora, Colorado, February 4, 2005 (File name: achara4669.htm)
   
• Duffy G. Elliott, Sr., CPA, FPA, Georgia Society of CPAs, Atlanta, Georgia, February 4, 2005 (File name: dgelliott3113.htm)
   
• Peter M. Lane, Centennial, Colorado, February 4, 2005 (File name: pmlane4185.htm)
   
• Richard M. Layne, Esq., Portland, Oregon, February 4, 2005 (File name: rmlayne7498.htm)
   
• Gerald R. Weiss, CFP, NAPFA, FPA, Reno, Nevada, February 4, 2005 (File name: grweiss8426.htm)
   
• Al Van Kampen, February 4, 2005 (File name: avankampen020405.htm)
   
• Sennett Kirk, President, Kirk Securities Corporation, February 4, 2005 (File name: kirksecurities020405.htm)
   
• Harold Evensky, Chairman, Evensky & Katz, February 3, 2005 (File name: s72599-1688.pdf)
   
• Peter J. Taafe, Bremerton, Washington, February 3, 2005 (File name: pjtaafe7806.htm)
   
• Jeff Bogue, CFP, February 3, 2005 (File name: jbogue3483.htm)
   
• Richard A. Johnson, CFP, CMFC, RFC, Rick Johnson Family Office, LLC, Jacksonville, Florida, February 3, 2005 (File name: rajohnson5024.htm)
   
• F. Dennis De Stefano, fee-only wealth manager, Kihei Maui, Hawaii, February 3, 2005 (File name: fdestefano4247.htm)
   
• John Sullivan, FPA, February 3, 2005 (File name: jsullivan9858.htm)
   
• Arthur S. Pesner, CFA, Chief Financial Officer, P.R. Herzig Co. Inc., Roslyn Heights, New York, February 3, 2005 (File name: aspesner6269.htm)
   
• Bill J. Jerome, Pittsburgh, Pennsylvania, February 3, 2005 (File name: bjjerome6404.htm)
   
• J. Richard Joyner, President, Private Wealth Management, Tolleson Wealth Management, February 2, 2005 (File name: jrjoyner020205.htm)
   
• Eric Turloff, CFA CPA, advisor, Seattle, Washington, February 2, 2005 (File name: eturloff3793.htm)
   
• Allen Purkiss, CFP, Ridgefield, Connecticut, February 2, 2005 (File name: apurkiss3427.htm)
   
• Thomas G. Buresh, CPA, CFP, VP, Suby Von Haden Assoc., S.C., Madison, Wisconsin, February 2, 2005 (File name: tgburesh6313.htm)
   
• William D. Heichel, JD, CFP, American Bar Association, Mansfield, Ohio, February 2, 2005 (File name: wdheichel3707.htm)
   
• William C. Jerome, CFP, RIA, member of NAPFA, Glenville, New York, February 2, 2005 (File name: wcjerome9298.htm)
   
• George D. Fritts, CFP and FPA, Atlanta, Georgia, February 1, 2005 (File name: gdfritts3187.htm)
   
• Bobbie D. Munroe, CFP, President, Financial Planning Association of Georgia, Atlanta, Georgia, February 1, 2005 (File name: bdmunroe7811.htm)
   
• Michael A. Potito, AVA, President, Singer Potito Associates,Inc., Amherst, Massachusetts, February 1, 2005 (File name: mapotito5485.htm)
   
• Christopher D. Rich, CFP, Managing Member, RMR Financial Advisors LLC, Madison, Wisconsin, February 1, 2005 (File name: cdrich9265.htm)
   
• James Heard, CFP, President, Windham Brannon Financial Group, Atlanta, Georgia, February 1, 2005 (File name: jheard6306.htm)
   
• Rick Brooks, CFP, CFA, San Diego, California, February 1, 2005 (File name: rbrooks020205.htm)
   
• Charles S. Zimmerman, fee based financial advisor, Atlanta, Georgia, February 1, 2005 (File name: cszimmerman9156.htm)
   
• Katherine B. Fries, CFP, Bethesda, Maryland, February 1, 2005 (File name: kbfries7915.htm)
   
• Jack K. Myers, CFP, Columbus, Georgia, February 1, 2005 (File name: jkmyers9040.htm)
   
• David J. Chapman, Kennesaw, Georgia, February 1, 2005 (File name: djchapman7123.htm)
   
• John R. Day, CPA/PFS, Macon, Georgia, February 1, 2005 (File name: jrday7157.htm)
   
• Brian R. Carlton, CFP, Lynchburg, Virginia, February 1, 2005 (File name: brcarlton7149.htm)
   
• Kenneth F. Robinson, JD, CFP, Owner, Practical Financial Planning, Cleveland, Ohio, February 1, 2005 (File name: kfrobinson8584.htm)
   
• Eve L. Kaplan, CFP, Berkeley Heights, New Jersey, February 1, 2005 (File name: elkaplan9442.htm)
   
• John S. Davis, CFP, President, Mentor Capital Management Inc., Elmhurst, Illinois, February 1, 2005 (File name: jsdavis6213.htm)
   
• Lynn R. Garrison, PE, Overland Park, Kansas, February 1, 2005 (File name: lrgarrison6184.htm)
   
• Robert J. Spindel, CFP, NAPFA Registered Financial Advisor, St.Louis, Missouri, February 1, 2005 (File name: rjspindel9598.htm)
   
• William D. Starnes, NAPFA, FPA, Newark, Delaware, February 1, 2005 (File name: wdstarnes2503.htm)
   
• Sherman L. Doll, CPA/PFS, Capital Peformance Advisors, Walnut Creek, California, January 31, 2005 (File name: sldoll8656.htm)
   
• James Milne, January 31, 2005 (File name: jmilne1417.htm)
   
• James D. Schwartz, NAPFA, CFP Board of Standards, Chandler, Arizona, January 31, 2005 (File name: jdschwartz4796.htm)
   
• David B. Jacobs, President of Pathfinder Financial Services, LLC, Kailua, Hawaii, January 31, 2005 (File name: dbjacobs9745.htm)
   
• Harvie Roe, CFP, NAPFA, Tulsa, Oklahoma, January 31, 2005 (File name: hroe7998.htm)
   
• William R. Neubauer, NAPFA, FPA, Coral Gables, Florida, January 31, 2005 (File name: wrneubauer8495.htm)
   
• David D. Wilder, CFP, Cincinnati, Ohio, January 31, 2005 (File name: ddwilder3077.htm)
   
• Susan Macmichael John, CFP, NAPFA Member, FPA Member, Wolfeboro, New Hampshire, January 31, 2005 (File name: smacmichaeljohn4391.htm)
   
• John Carey, Certified Financial Planner and President of an RIA, January 31, 2005 (File name: jcarey3561.htm)
   
• Thomas A. Muldowney, Financial Advisor, Rockford, Illinois, January 31, 2005 (File name: tamuldowney7412.htm)
   
• Robert J. Sullivan, CFP, Member NAPFA, FPA , Los Altos, California, January 31, 2005 (File name: rjsullivan7855.htm)
   
• John Bagley, CFP, CPA, NAPFA, AICPAs, Scottsdale, Arizona, January 31, 2005 (File name: jbagley7259.htm)
   
• Gail J. Parker, CFP, member, National Association of Personal Financial Advisors, Portland , Oregon, January 31, 2005 (File name: gjparker4275.htm)
   
• Christopher P. Van Slyke, CFP, La Jolla, California, January 31, 2005 (File name: cpvanslyke4761.htm)
   
• Alice W. Hallford, CFP, Hallford Financial Advisors, Jackson, Mississippi, January 31, 2005 (File name: awhallford6122.htm)
   
• Lawrence H. Friedrichs, CPA, CFP, AICPA, NAPFA, Mesa, Arizona, January 31, 2005 (File name: lhfriedrichs9491.htm)
   
• Sara Marshall, January 29, 2005 (File name: smarshall012905.htm)
   
• Robert J. Confessore, CFP, Vice President, Wealth Builders, Inc., Little Silver, New Jersey, January 29, 2005 (File name: rjconfessore6045.htm)
   
• Stephen M. Edwards, Jackson, Mississippi, January 28, 2005 (File name: smedwards6898.htm)
   
• Marilyn C. Dimitroff, CFP, Governor, CFP Board of Governors; Past Chair, CFP Board of Practice Standards; Bloomfield Hills, Michigan, January 27, 2005 (File name: mcdimitroff4615.htm)
   
• Terrence L. Tait, CFP, Presdent, Tait and Associates, Inc., New Bern, North Carolina, January 27, 2005 (File name: tltait3008.htm)
   
• Steven B. Morris, CPA, CFP, PFS, Norcross, Georgia, January 26, 2005 (File name: sbmorris4812.htm)
   
• Steven Kaye, CFP, President, American Economic Planning Group, Watchung, New Brunswick, January 26, 2005 (File name: skaye6432.htm)
   
• Clifford E. Fowler, Jr., CPA/PFS, AICPA, PFS Designation Committee, Chair of KYCPA Financial Planning Section, Munfordville, Kentucky, January 26, 2005 (File name: cefowler6383.htm)
   
• Janet Tyler Johnson, Vice President of Financial Services, Clifton Gunderson Financial Services, Madison, Wisconsin, January 25, 2005 (File name: jtylerjohnson2852.htm)
   
• Arthur J. Canter, CPA/PFS, CFP, Boca Raton, Florida, January 25, 2005 (File name: ajcanter8076.htm)
   
• Thomas C. Pritchett, CPA, PFS, CFP, APM, Managing Partner, APB WealthCare Advisors, LLP, Tifton, Georgia, January 25, 2005 (File name: tcpritchett6148.htm)
   
• Ron A. Rhoades, BS, JD, Director of Research and Chief Compliance Offeicer, Joseph Capital Management, LLC, January 24, 2005 (File name: s72599-1686.pdf)
   
• Nancy Lininger, Founder/Consultant, The Consortium, January 24, 2005 (File name: nlininger012405.pdf)
   
• Richard A. Hutchinson, MBA, MA, CFP, Principal, Dick Hutchinson, Registered Investment Advisor, Northford, Connecticut, January 23, 2005 (File name: rahutchinson2594.htm)
   
• Marvin G. Hicks, CFP, CLU, Virginia Beach, Virginia, January 23, 2005 (File name: mghicks2960.htm)
   
• Willie D. Middleton, III, Kannapolis, North Carolina, January 22, 2005 (File name: wdmiddleton9572.htm)
   
• Bradley R. Teets, CPA/PFS, CFP, Punta Gorda, Florida, January 22, 2005 (File name: brteets5788.htm)
   
• Steven K. McGinnis, LWI Financial, Inc., San Jose, California, January 21, 2005 (File name: skmcginnis9929.htm)
   
• Channing F. Mitzell, CFP, President, The Windsor Group, Ltd, Indianapolis, January 21, 2005 (File name: cfmitzell7085.htm)
   
• Jed Bandes, January 20, 2005 (File name: jbandes012005.htm)
   
• Geraldine Genco, Broker Dealer, RIA Compliance & Consulting, January 20, 2005 (File name: ggenco012005.htm)
   
• Suzanne C. Low, JD, CFP, January 20, 2005 (File name: sclow4783.htm)
   
• Donald S. Loveless, CFA, Billings, Montana, January 20, 2005 (File name: dsloveless6686.htm)
   
• Mark V. Kenny, CFP, Glencrest Investment Advisors, Managing Director, Irvine, California, January 20, 2005 (File name: mvkenny8917.htm)
   
• Deborah E. Voso, CFP, Frederick, Maryland, January 20, 2005 (File name: devoso8236.htm)
   
• Bryon N. Milby, CPA, Campbellsville, Kentucky, January 20, 2005 (File name: bnmilby4299.htm)
   
• Jack M. Brkich, III, Irvine, California, January 20, 2005 (File name: jmbrkich7944.htm)
   
• Michael L. Jones, CFP, Louisville, Kentucky, January 20, 2005 (File name: mljones1278.htm)
   
• Barbara Cole, CLU, CFP, Brea, California, January 20, 2005 (File name: bcole1169.htm)
   
• Phillip Q. Couture, CFP, FPA, Sarasota, Florida, January 19, 2005 (File name: pqcouture1127.htm)
   
• Austin Gallaher, PFP, Financial Planner, Wealth Analytics, San Diego, California, January 19, 2005 (File name: agallaher2299.htm)
   
• ManINa Suit, January 19, 2005 (File name: msuit7823.htm)
   
• Aaron D. Chamberlin, Financial Consultant, A. G. Edwards, La Jolla, California, January 19, 2005 (File name: adchamberlin3834.htm)
   
• Roger R. Bell, II, Dublin, Virginia, January 19, 2005 (File name: rrbell2676.htm)
   
• Daniel H. Boyce, Financial Planning Association member, Bloomfield Hills, Michigan, January 18, 2005 (File name: dhboyce9318.htm)
   
• Cathleen Burns, CFP, Financial Advisor, Morgan Stanley, St. Augustine, Florida, January 18, 2005 (File name: cburns9351.htm)
   
• Joseph F Fessler, CFP, Vero Beach, Florida, January 18, 2005 (File name: jffessler4286.htm)
   
• Nancy J. Lange, CPA, CFP, January 18, 2005 (File name: njlange5044.htm)
   
• Katherine R. Roberts, Adjunct Professor of Retirement Planning, DePaul University, Chicago, Illinois, January 18, 2005 (File name: krroberts3880.htm)
   
• Michael J. Zmistowski, Tampa, Florida, January 18, 2005 (File name: mjzmistowski5343.htm)
   
• Stan E. Johnson, Registered Investment Advisor, Durango, Colorado, January 18, 2005 (File name: sejohnson3270.htm)
   
• Margery K. Schiller, CFP, NAPFA Registered Financial Advisor, Brandon, Florida, January 18, 2005 (File name: mkschiller3264.htm)
   
• James B. Kenney, CLU, ChFC, Chartered Financial Consultant, Lutherville, Maryland, January 18, 2005 (File name: jbkenney8807.htm)
   
• Nicholas B. Rowe, CFP, President, Focus Capital, Inc.; Branch Manager/Broker, Jefferson Pilot Securities Corporation, January 17, 2005 (File name: nbrowe011705.htm)
   
• Allan W. Moskowitz, CFP, Principal, Progressive Wealth Management, San Lorenzo, California, January 17, 2005 (File name: awmoskowitz2325.htm)
   
• James L. Gruning, MBA, RFC, FPA, Plymouth, Minnesota, January 17, 2005 (File name: jlgruning5760.htm)
   
• Daniel H. Foster, CPA, FPA, January 17, 2005 (File name: dhfoster1828.htm)
   
• Thomas S. Robbins, American Express Financial Advisors, West Conshohocken, Pennsylvania, January 17, 2005 (File name: tsrobbins6284.htm)
   
• Michael O. Babin, wealth advisor , New Orleans, Louisiana, January 17, 2005 (File name: mobabin9112.htm)
   
• Timothy J. Holsworth, CFP, CLU, ChFC, Vice President, Laco Financial Services, Bay City, Michigan, January 17, 2005 (File name: tjholsworth7869.htm)
   
• Nicholas B. Rowe, CFP,President, Focus Capital, Inc.; Branch Manager/Broker, Jefferson Pilot Securities Corporation, Bedford, New Hampshire, January 17, 2005 (File name: nbrowe7929.htm)
   
• Stephanie A. Gelfeld, MBA, Owner, Accountable Financial Group, LLC, Englewood, Colorado, January 17, 2005 (File name: sagelfeld8898.htm)
   
• Jeff Armstrong, Financial Advisor, American Express, Vienna, Virginia, January 17, 2005 (File name: jarmstrong2743.htm)
   
• Bruce G. Coldsmith, CFP, MBA, Mobile, Alabama, January 17, 2005 (File name: bgcoldsmith7518.htm)
   
• Jaime A. Hinojosa, CFP, Financial Planning Association, Pleasant Hill, California, January 17, 2005 (File name: jahinojosa7753.htm)
   
• Peggy C. Houser, CFP, Denver, Colorado, January 17, 2005 (File name: pchouser2443.htm)
   
• Paul E. Moyer, CFP, Findlay, Ohio, January 17, 2005 (File name: pemoyer8828.htm)
   
• Eric Heckman, CFP, January 17, 2005 (File name: eheckman7134.htm)
   
• Colin S. Mackenzie, CFP, Redondo Beach, California, January 17, 2005 (File name: csmackenzie8851.htm)
   
• Clair N. McRostie, CFP, PhD, FPA, Emeritus Professor of Economics, Gustavus Adolphus College, St. Peter, Minnesota, January 17, 2005 (File name: cnmcrostie7885.htm)
   
• Marc Vorchheimer, CFP, Nanuet, Yukon, January 17, 2005 (File name: mvorchheimer6629.htm)
   
• Gary L. Braden, Vice President, Broker Dealer, IFPS, Member NASD SiPC, Frankenweg 3, Speicher, Germany, January 17, 2005 (File name: glbraden4089.htm)
   
• Randy Gerard, CFP,CDFA, Financial Planning Association, Leawood, Kansas, January 17, 2005 (File name: rgerard7484.htm)
   
• Placido Pete Blanco, CFP, FPA, Coral Gables, Florida, January 17, 2005 (File name: ppblanco7862.htm)
   
• John Mezzasalma, January 17, 2005 (File name: jmezzasalma9463.htm)
   
• James Kirkland, CFP, MATS, President of DFC Financial Group, Inc., Oxford, Michigan, January 17, 2005 (File name: jkirkland5213.htm)
   
• Anthony P. Eastmond, CFP, Oklahoma City, Oklahoma, January 17, 2005 (File name: apeastmond5709.htm)
   
• Mark A. Ciucci, Certified Financial Planner, Troy, Michigan, January 17, 2005 (File name: maciucci5763.htm)
   
• Anthony J. Rossetti, CFP, Financial Planning Association, Winter Park, Florida, January 17, 2005 (File name: ajrossetti3710.htm)
   
• Ronald L. Kradel, CLU, ChFC, Financial Advisor, Butler, Pennsylvania, January 17, 2005 (File name: rlkradel1792.htm)
   
• Scott Thomas, financial planning industry, North Carolina, January 17, 2005 (File name: sthomas3215.htm)
   
• Harold V. Synan, Jr., Director of Planning, McCaskill Financial Group, Oklahoma City, Oklahoma, January 16, 2005 (File name: hvsynan6621.htm)
   
• James Helba, Jr., Bridgeville, Pennsylvania, January 16, 2005 (File name: jhelba7217.htm)
   
• Marwan Jabbour, CSA, Registered Investment Advisor and member of the Financial Planning Association, McLean, Virginia, January 16, 2005 (File name: mjabbour8537.htm)
   
• Miles F. Rados, CFP, Cincinnati, Ohio, January 16, 2005 (File name: mfrados8184.htm)
   
• William M. Harris, Duxbury, Massachusetts, January 16, 2005 (File name: wmharris8160.htm)
   
• Robert Matheson, CPA, CFP, President of the Financial Planning Association of Southwest Florida, Naples, Florida, January 16, 2005 (File name: rmatheson6641.htm)
   
• David W. Demming, Aurora, Ohio, January 16, 2005 (File name: dwdemming8488.htm)
   
• John Sullivan, January 16, 2005 (File name: jsullivan3977.htm)
   
• John Perry, CFP, Financial Planning Association, Effingham, Illinois, January 16, 2005 (File name: jperry9764.htm)
   
• Pat S. Burge, CFP, FPA, Houston, Texas, January 16, 2005 (File name: psburge5228.htm)
   
• James F. Foster, CFP, Certified Financial Planner, Kingdom Planning and Asset Management, Sparks, Nevada, January 16, 2005 (File name: jffoster2608.htm)
   
• Ruth Johnson, consumer, Sacramento, California, January 15, 2005 (File name: rjohnson3172.htm)
   
• Philip G. Nisonger, CFP CLTC, Principal Toit, San Jose, California, January 15, 2005 (File name: pgnisonger2823.htm)
   
• Reed C. Fraasa, CFP, Tyras, Fraasa Associates, LLC, Paramus, New Jersey, January 15, 2005 (File name: rcfraasa8365.htm)
   
• Timothy J. Halls, CFP, CFA, Principal, Moneta Group, Clayton, Missouri, January 15, 2005 (File name: tjhalls5729.htm)
   
• Stephen F. Lovell, President of Forsyth Heritage, Adjunct Professor of Finance at Golden Gate University, Walnut Creek, California, January 15, 2005 (File name: sflovell5740.htm)
   
• Douglas R. Thorne, CPA, CFP, San Francisco, California, January 15, 2005 (File name: drthorne2806.htm)
   
• Richard W. L. Hall, Past Director, New Mexico IAFP and FPA, Albuquerque, New Mexico, January 15, 2005 (File name: rwhall5819.htm)
   
• Jerry M. Schwartz, CFP, Principal, Arista Investment Advisors, Ltd., Honolulu, Hawaii, January 15, 2005 (File name: jmschwartz6066.htm)
   
• Michael C. Creasman, CFP, Member, Financial Planning Association, Asheville, North Carolina, January 15, 2005 (File name: mccreasman9512.htm)
   
• Jeffrey M. Holler, CFP / FPA, Arlington, Texas, January 15, 2005 (File name: jmholler5471.htm)
   
• Thomas P. Marks, CFP, Vice President, Private Banking, Harris Bank, Glencoe, Illinois, January 15, 2005 (File name: tpmarks9414.htm)
   
• Timothy F. Bock, Los Angeles, California, January 15, 2005 (File name: tfbock2552.htm)
   
• Scott E. Bordelon, CFP, Financial Investment Management Advisors, Inc., Covington, Louisiana, January 15, 2005 (File name: sebordelon7957.htm)
   
• Leo G. Burns, CFP, Chico, California, January 15, 2005 (File name: lgburns6082.htm)
   
• Rick Mayo, CFP, Financial Planning Association, Virginia Beach, Virginia, January 15, 2005 (File name: rmayo5910.htm)
   
• Milton E. Fullen, CPA, CLU, ChFC, Ohio Society of CPAs, Financial Planning Association, Financial Executives International, Columbus, Ohio, January 15, 2005 (File name: mefullen7130.htm)
   
• Todd C. Chamberlain, CPA, Somers Point, New Jersey, January 15, 2005 (File name: tcchamberlain1857.htm)
   
• Warren J. Mackensen, Certified Financial Planner, NAPFA, FPA, Hampton, New Hampshire, January 15, 2005 (File name: wjmackensen1468.htm)
   
• John W. Fiege, President, Financial Solutions, Registered Investment Advisor, Onancock, Virginia, January 15, 2005 (File name: jwfiege9719.htm)
   
• Mark Krivonak, CFP, ChFC, CLU, Tampa, Florida, January 15, 2005 (File name: mkrivonak9816.htm)
   
• Harry Scheyer, CPA/PFS. CFP, principal of own financial planning firm , Marlton, New Jersey, January 15, 2005 (File name: hscheyer4708.htm)
   
• Norris G. Edmonson, CPA, PFS, American Institute of CPAs, Georgia Society of CPAs, Financial Planning Association, Lawrenceville, Georgia, January 15, 2005 (File name: ngedmonson7829.htm)
   
• Stephen C. Houser, CPA, DHSH Financial Services, Inc, Cocoa, Florida, January 15, 2005 (File name: schouser9030.htm)
   
• Max R. Chabanik, MBA, Student Member of The Financial Planning Association, Lemoyne, Pennsylvania, January 15, 2005 (File name: mrchabanik1209.htm)
   
• Eric E. Haas, Chief Investment Officer, Altruist Financial Advisors LLC, Holland, Michigan, January 14, 2005 (File name: eehaas2159.htm)
   
• James Shumway, January 14, 2005 (File name: jshumway011405.htm)
   
• Mark Greenberg, JD, investment advisor, Walnut Creek, January 14, 2005 (File name: mgreenberg9642.htm)
   
• David A. Savage, CFP, Principal, Capstone Wealth Management Group, LLC, Bend, Oregon, January 14, 2005 (File name: dasavage5076.htm)
   
• Charles Benway, CPA, CFP, January 14, 2005 (File name: cbenway3159.htm)
   
• Paul Young, fee only financial advisor, Winchendon, Massachusetts, January 14, 2005 (File name: pyoung3221.htm)
   
• Michael Pace, CFP, Seattle, Washington, January 14, 2005 (File name: mpace9211.htm)
   
• John B. Smith, II, Certified Financial Planner, Alexandria, Virginia, January 14, 2005 (File name: jbsmith3136.htm)
   
• Douglas Rice, Professor, Golden Gate University, San Francisco, British Columbia, January 14, 2005 (File name: drice1713.htm)
   
• Paul C. Brown, Associate Planner, Plano, Texas, January 14, 2005 (File name: pcbrown9177.htm)
   
• Charles D. White, FPA, Schaumburg, Illinois, January 14, 2005 (File name: cdwhite5344.htm)
   
• Bill Hoeltgen Sr., Littleton, Colorado, January 14, 2005 (File name: bhoeltgen1634.htm)
   
• Ann Harrod, CFP, Harrod Financial Planning, Keswick, Virginia, January 14, 2005 (File name: aharrod1773.htm)
   
• Bryan K. Lee, Financial Planner, Plano, Texas, January 14, 2005 (File name: bklee4652.htm)
   
• Steven M. Kersey, CFP, ChFC, CLU, Member of the Financial Planning Association, Oak Harbor, Washington, January 14, 2005 (File name: smkersey1283.htm)
   
• Kenneth P. Schmidt, CFP, Fort Wayne, Indiana, January 14, 2005 (File name: kpschmidt1790.htm)
   
• Kelly F. Crane, CFP, CFA, CLU, Napa Valley Wealth Management, St. Helena, California, January 14, 2005 (File name: kfcrane7204.htm)
   
• Cameron A. Black, CFP, independent fee-only financial planner, Scottsdale, Arizona, January 14, 2005 (File name: cablack4249.htm)
   
• Kevin F. Schulz, MBA, Certified Financial Planner practitioner, Bellevue, Washington, January 14, 2005 (File name: kfschulz9754.htm)
   
• Charles L. Thompson, Jr., January 14, 2005 (File name: clthompson7105.htm)
   
• Bill McDonald, Madison, Wisconsin, January 14, 2005 (File name: bmcdonald7589.htm)
   
• William B. Burns, Jr., Jamesville, New York, January 14, 2005 (File name: wbburns6477.htm)
   
• Gregory A. Syrios, La Jolla, California, January 14, 2005 (File name: gasyrios2989.htm)
   
• Michael J. Maslanka, CFP, Mobile, Alabama, January 14, 2005 (File name: mjmaslanka3212.htm)
   
• Ben H. Shiner, CFP, Registered Representative, New Albany, Indiana, January 14, 2005 (File name: bhshiner2833.htm)
   
• Dean L. Boebinger, CFP, Houston, Texas, January 14, 2005 (File name: dlboebinger7058.htm)
   
• David M. Kover, CFP, Financial Planning Association , Chicago, Illinois, January 14, 2005 (File name: dmkover7164.htm)
   
• Christopher D. Rich, CFP, Managing Member, RMR Financial Advisors LLC, Madison, Wisconsin, January 14, 2005 (File name: cdrich1623.htm)
   
• Melissa Dombrowski, Trabuco Canyon, California, January 14, 2005 (File name: mdombrowski1636.htm)
   
• Rachel Young, CFA, registered investment adviser, January 13, 2005 (File name: ryoung5260.htm)
   
• William D. Luisi, EA, IA, Member National Association of Tax Professionals, National Association of Enrolled Agents, Clinton, Massachusetts, January 13, 2005 (File name: wdluisi8976.htm)
   
• Frederick J. Deyeso, III, New York, New York, January 12, 2005 (File name: fjdeyeso1478.htm)
   
• Christopher L. Matteson, Member, Integrated Planning Strategies, LLC, Oklahoma City, Oklahoma, January 12, 2005 (File name: clmatteson8591.htm)
   
• Carl Forcione, Esquire, Medford, Massachusetts, January 11, 2005 (File name: cforcione3629.htm)
   
• Frank Moore, CEO, Vintage Financial Services, Ann Arbor, Michigan, January 11, 2005 (File name: fmoore2688.htm)
   
• Reginald L. Jensen, CLU, CFP, ChFC, CSA, San Jose, California, January 11, 2005 (File name: rljensen3324.htm)
   
• Michael Boyd, CFP, Financial Planners Association, Rhinelander, Wisconsin, January 11, 2005 (File name: mboyd5097.htm)
   
• Jean Mote, President, Mote Wealth Management, LLC, Cedar Rapids, Iowa, January 11, 2005 (File name: jmote7039.htm)
   
• Paul E. Coan, Indianapolis, Indiana, January 11, 2005 (File name: pecoan3824.htm)
   
• Anna M. Taglieri, Lynbrook, January 9, 2005 (File name: amtaglieri7459.htm)
   
• Stephanie Berger, January 7, 2005 (File name: sberger6843.htm)
   
• Richard L. Cox, ChFC, SFSP Greater Chattanooga Professional Development Chair, Chattanooga, Tennessee, January 6, 2005 (File name: rlcox2829.htm)
   
• Holly Cohen, Brewster, New York, January 6, 2005 (File name: hcohen4418.htm)
   
• S. Corr, Massachusetts, January 6, 2005 (File name: scorr2747.htm)
   
• M. L. Mangan, Annapolis, Maryland, January 6, 2005 (File name: mlmangan4323.htm)
   
• Regina Ballinger, Certified Financial Planner, January 6, 2005 (File name: rballinger8188.htm)
   
• Bayard Bigelow, III, MBA, CPA, President and CEO, The Cambridge Alliance, January 4, 2005 (File name: s72599-1515.pdf)
   
• Bayard Bigelow, III, MBA, CPA, President and CEO, The Cambridge Alliance, LLC, January 4, 2005 (File name: cambridgea010405.pdf)
   
• Edwin P. Morrow, CLU, ChFC, CFP, CEP, RFC Chairman and CEO, International Association of Registered Financial Consultants, Inc., December 30, 2004 (File name: s72599-1511.pdf)
   
• Erik Wolfers, Principal, Wolfers Asset Management, December 23, 2004 (File name: ewolfers8208.htm)
   
• Dennis H. Vogt, IAR for Personal Investment Management, Inc., Bellevue, Washington, December 21, 2004 (File name: dhvogt9761.htm)
   
• Ron A. Rhoades, B.S., JD, Director of Research, Chief Compliance Officer, Joseph Capital Management, LLC, November 30, 2004 (File name: s72599-1507.pdf)
   
• Stephen P. Moulton, CFA, President and CEO, Stephen P. Moulton Associates, Ltd., LeRoy, New York, November 10, 2004 (File name: spmoulton8507.htm)
   
• Ron A. Rhoades, B.S., JD, Director of Research, Chief Compliance Officer, Joseph Capital Management, LLC, November 7, 2004 (File name: s72599-1514.pdf)
   
• Ray Franklin, Fort Collins, Colorado, November 6, 2004 (File name: rfranklin110604.htm)
   
• Margaret J. Dillon, Litchfield, Connecticut, November 5, 2004 (File name: mjdillion110504.htm)
   
• Barbara Roper, Director of Investor Protection, Consumer Federation of America, November 4, 2004 (File name: s72599-512.pdf)
   
• Nancy Yamagata, October 31, 2004 (File name: nyamagata103104.htm)
   
• David Klausner, consultant, Redwood City, California, October 31, 2004 (File name: dklausner7587.htm)
   
• Theresa Habshey, Birmingham, Alabama, October 30, 2004 (File name: thabshey103004.htm)
   
• Lary Mydland, Lathrop, Missouri, October 29, 2004 (File name: lmydland102904.htm)
   
• Richard A Knighton, Harrisburg, Pennsylvania, October 28, 2004 (File name: raknighton102804.htm)
   
• Thomas Wadzinski, Anchorage, Alaska, October 28, 2004 (File name: twadzinski102804.htm)
   
• Laura Lee, Coppell, Texas, October 28, 2004 (File name: llee102804.htm)
   
• Richard Warden, Arnold, Maryland, October 28, 2004 (File name: rwarden102804.htm)
   
• Mark Edwards, Syracuse, New York, October 28, 2004 (File name: medwards102804.htm)
   
• Ms. Carol Bronder, Saint Paul, Minnesota, October 27, 2004 (File name: cbronder102704.htm)
   
• Kathy Mitchell, Austin, Texas, October 19, 2004 (File name: kmitchell7753.htm)
   
• Suzanne A. Richman, Highland Park, New Jersey, October 18, 2004 (File name: sarichman5380.htm)
   
• Judith M. Richman, Highland Park, New Jersey, October 18, 2004 (File name: jmrichman4097.htm)
   
• Steven H. Richman, PhD, Highland Park, New Jersey, October 18, 2004 (File name: shrichman2837.htm)
   
• Marc E. Lackritz, President, Securities Industry Association, October 15, 2004 (File name: s72599-1501.pdf)
   
• Franklin L. Widmann, President, North American Securities Administrators Association, and Chief, New Jersey Bureau of Securities, October 6, 2004 (File name: nasaa100604.pdf)
   
• Barbara Roper, Director of Investor Protection, Consumer Federation of America, October 5, 2004 (File name: s72599-1502.pdf)
   
• Michael D. Udoff, Associate General Counsel and Secretary, Securities Industry Association, October 4, 2004 (File name: sia100404.pdf) [Correction]
   
• Roy C. Whitmore, CFP, CSA, Athens, Ohio, October 4, 2004 (File name: rcwhitmore7059.htm)
   
• Steve Curtis, Babylon, New York, October 3, 2004 (File name: scurtis1004.htm)
   
• Jim Horlacher, MBA, Overland Park, Kansas, October 1, 2004 (File name: jhorlacher5431.htm)
   
• Christine A. Smith, Esq., CPA, Arlington, Virginia, September 30, 2004 (File name: casmith9550.htm)
   
• Donald S. Loveless, CFA, President, Independent Investors Inc., Billings, Montana, September 30, 2004 (File name: dsloveless3333.htm)
   
• Charlotte E. Caffrey, Hollywood, Florida, September 29, 2004 (File name: cecaffrey2149.htm)
   
• Timothy C. Harrington, CFP, Marin Financial Advisors, Larkspur, California, September 29, 2004 (File name: tcharrington1592.htm)
   
• Russ, September 28, 2004 (File name: russ092804.htm)
   
• Jeff B. Witten, CFP, Columbia, Missouri, September 28, 2004 (File name: jbwitten7590.htm)
   
• David N. Shore, Registered Investment Advisor, Marin Financial Advisors, Larkspur, California, September 27, 2004 (File name: dnshore2991.htm)
   
• Thomas A. Gafford, Owner, Gafford Technology, Las Vegas, Nevada, September 24, 2004 (File name: tagafford7345.htm)
   
• Gordon E. Jones, CFP, Investment Advisor Representative, Raymond James Advisory Services, Inc. September 23, 2004 (File name: gejones092304.pdf)
   
• Peter M. Kravitz, Director, Congressional & Political Affairs, on behalf of Joel H. Framson, CPA/PFS, CFP, Chair, Personal Financial Planning Executive Committee, American Institute of Certified Public Accountants, September 23, 2004 (File name: s72599-1192.pdf)
   
• Paul S. Gottlieb, First Vice President, Assistant General Counsel, Private Client Group, Merrill Lynch, September 22, 2004 (File name: s72599-1191.pdf)
   
• Arthur F. Grant, President and CEO; Cadaret, Grant & Co., Inc., September 22, 2004 (File name: s72599-1252.pdf)
   
• W. Thomas Conner, Sutherland Asbill & Brennan LLP, September 22, 2004 (File name: s72599-1251.pdf)
   
• Dale E. Brown, CAE, Executive Director and CEO, Financial Services Institute, September 22, 2004 (File name: debrown092204.pdf)
   
• Christopher P. Gilkerson, Vice President and Associate General Counsel, Charles Schwab & Co., Inc., September 22, 2004 (File name: gilkerson092204.pdf)
   
• Henry H. Hopkins, Chief Legal Counsel, and Darrell N. Braman, Associate Legal Counsel, T. Rowe Price Associates, Inc., September 22, 2004 (File name: hhhopkins092204.pdf)
   
• Ira D. Hammerman, General Counsel, Securities Industry Association, September 22, 2004 (File name: idhammerman092204.pdf)
   
• Joel H. Framson, CPA/PFS, CFP, Chair, Personal Financial Planning Executive Committee, American Institute of Certified Public Accountants, September 22, 2004 (File name: jhframson092204.pdf)
   
• Mark A. Kaprelian, Secretary, Northwestern Mutual Investment Services, LLC, September 22, 2004 (File name: makaprelian092204.pdf)
   
• Michael Herndon, Director, Public & Government Affairs, Certified Financial Planner Board of Standards, Inc., September 22, 2004 (File name: mherndon092204.pdf)
   
• Michael J. Sharp, General Counsel, Smith Barney, September 22, 2004 (File name: mjsharp092204.pdf)
   
• Nora M. Jordan, Davis Polk & Wardwell, September 22, 2004 (File name: nmjordan092204.pdf)
   
• Duane R. Thompson, Group Director, Advocacy, Financial Planning Association, September 22, 2004 (File name: thompson092204.pdf)
   
• Tamara K. Salmon, Senior Associate Counsel, Investment Company Institute, September 22, 2004 (File name: tksalmon092204.pdf)
   
• Timothy P. Pinnington, Vice Chair and Chief Operating Officer, TD Waterhouse Investor Services, Inc., September 22, 2004 (File name: tppinnington092204.pdf)
   
• Daniel B. Roe, CFP, Columbus, Ohio, September 22, 2004 (File name: dbroe092204.htm)
   
• James G. McGrath, CPA, CFP, CLU, September 22, 2004 (File name: mcgrath092204.htm)
   
• Peggy M. Ruhlin, CPA, CFP, Columbus, Ohio, September 22, 2004 (File name: ruhlin092204.htm)
   
• Stephanie Parlee, CFP, EA, September 22, 2004 (File name: sparlee092204.htm)
   
• Geoffrey F. Foisie, September 22, 2004 (File name: gffoisie092204.pdf)
   
• Howard J. Dunn, consumer, Winchester, Virginia, September 22, 2004 (File name: hjdunn3723.htm)
   
• Morris Armstrong, President, Armstrong Financial Strategies and member of NAPFA, New Milford, Connecticut, September 22, 2004 (File name: marmstrong6925.htm)
   
• Ryan R. Berges, Edmond, Oklahoma, September 22, 2004 (File name: rrberges6315.htm)
   
• James G. Bigham, Managing Director, Brighton Presidio Capital Management, Houston, Texas, September 22, 2004 (File name: jgbigham6925.htm)
   
• Thaddeus Borek, attorney and Registered Investment Advisor, San Francisco, California, September 22, 2004 (File name: tborek1811.htm)
   
• Pat Coyle, Medicine Lake, Minnesota, September 22, 2004 (File name: pcoyle1784.htm)
   
• Blaine Dunn, Winchester, Virginia, September 22, 2004 (File name: bdunn7421.htm)
   
• Robert D. Fish, CPA, Financial Planning Association of Southern Wisconsin, Muskego, Wisconsin, September 22, 2004 (File name: rdfish5275.htm)
   
• Marc E. Gitlitz, CFP, President, Integrated Concepts Inc, Lakewood, Colorado, September 22, 2004 (File name: megitlitz3261.htm)
   
• Kenneth Kacy Gott, CFP, CPA, Principal, Kochis Fitz, San Francisco, California, September 22, 2004 (File name: kgott2355.htm)
   
• Arthur F. Grant, President and CEO; Cadaret, Grant Co., Inc., Syracuse, New York, September 22, 2004 (File name: afgrant3491.htm)
   
• Jo Ellen M. Guld, Fort Lauderdale, Florida, September 22, 2004 (File name: jmguld8119.htm)
   
• Stephen D. Johnson, CFP, President, Johnson Marotta, Registered Investment Adviser, Palo Alto, California, September 22, 2004 (File name: sdjohnson3163.htm)
   
• Ulrich E. Keller, Jr., AIMR, FPA, Irvine, California, September 22, 2004 (File name: uekeller4776.htm)
   
• Charles D. Meyer, MBA, CFP, Fee-Only Investment Advisor, Meyer Advisory Services, Hampton, New Jersey, September 22, 2004 (File name: cdmeyer1603.htm)
   
• James W. Peay, MBA, CFP, Birmingham, Alabama, September 22, 2004 (File name: jwpeay4233.htm)
   
• John Perkins, September 22, 2004 (File name: jperkins4198.htm)
   
• Becky H. Salsburg, CFP, Lake Oswego, Oregon, September 22, 2004 (File name: bhsalsburg7288.htm)
   
• Todd Washburn, CFP, September 22, 2004 (File name: twashburn5332.htm)
   
• Barbara E. Wintner, CFP, Independent Certified Financial Planner, Township of Washington, New Jersey, September 22, 2004 (File name: bewintner8506.htm)
   
• David B. Yeske, San Francisco, California, September 22, 2004 (File name: dbyeske2844.htm)
   
• David G. Tittsworth, Executive Director, Investment Counsel Association of America, September 22, 2004 (File name: dgtittsworth092204.pdf)
   
• Barry Augenbraun, Senior Vice President, Raymond James Financial, Inc., St. Petersburg, Florida, September 21, 2004 (File name: baugenbraun6324.htm)
   
• John G. Bowen, CPA, CFP, NAPFA, NAPFA Member, President-Elect, Central VA FPA, September 21, 2004 (File name: jgbowen5840.htm)
   
• Marilyn C. Dimitroff, CFP, President, Capelli Financial Services, Inc., Bloomfield Hills, Michigan, September 21, 2004 (File name: mcdimitroff6144.htm)
   
• John Dragstrem, Naperville, Illinois, September 21, 2004 (File name: jdragstrem4779.htm)
   
• David L. Frank, CFP, CIMA, AIFA, Financial Planner/Asset Manager/ Broker, Mountainside, New Jersey, September 21, 2004 (File name: dlfrank8790.htm)
   
• Ellen Turf, CEO, and Jamie Milne, Chairman, The National Association of Personal Financial Advisors, Arlington Heights, Illinois, September 21, 2004 (File name: eturf1881.htm)
   
• Edward D. Fulbright, CPA, PFS, Durham, North Carolina, September 21, 2004 (File name: edfulbright5590.htm)
   
• Evelyn N. MacIntyre, CFP, Capellif Financial Services, Inc., Bloomfield Hills, Michigan, September 21, 2004 (File name: enmacintyre2758.htm)
   
• Larry E. Nolt, Souderton, Pennsylvania, September 21, 2004 (File name: lenolt5033.htm)
   
• John S. Putnam, Registered individual, St. Petersburg, Florida, September 21, 2004 (File name: jsputnam9096.htm)
   
• Aleen M. Swofford, PhD., CLU, ChFC, CSA, President, Swofford Financial Services and Immediate Past-President, Society of Financial Service Professionals , Knoxville, Tennessee, September 21, 2004 (File name: amswofford7484.htm)
   
• Peter W. Weston, Ed.D, CFP, NAPFA, Birmingham, Alabama, September 21, 2004 (File name: pwweston4204.htm)
   
• Susan E. Taverna, CFP, Lexington, Massachusetts, September 21, 2004 (File name: setaverna9422.htm)
   
• Henry L. Woodward, CFP, Principal, Woodward Financial Advisors, LLC, Chapel Hill, North Carolina, September 21, 2004 (File name: hlwoodward7801.htm)
   
• Anthony M. Ferrante, Associate Vice President, Computer Design and Integration LLC, Teterboro, New Jersey, September 21, 2004 (File name: amferrante092104.htm)
   
• William K. Dix, Jr., Raleigh, North Carolina, September 21, 2004 (File name: wkdix3511.htm)
   
• Martin P. Mesecke, President, Self Worth Financial Planning, Plano, Texas, September 21, 2004 (File name: mpmesecke6058.htm)
   
• Barbara L. N. Roper, Director of Investor Protection, Consumer Federation of America, September 20, 2004 (File name: s72599-1101.pdf)
   
• William S. Hrank, RFC, CGFM, Financial Planning Association, Midlothian, Virginia, September 20, 2004 (File name: wshrank4051.htm)
   
• Richard S. Hayes, CFA, CFP, Wingate Financial Group, Inc., Lexington, September 20, 2004 (File name: rshayes2592.htm)
   
• Bruce R. Wagner, Independent Associate, NetWorth, Inc., Maple Grove, Minnesota, September 20, 2004 (File name: brwagner1957.htm)
   
• David Walz, CFP, Oak Park, Illinois, September 20, 2004 (File name: dwalz9173.htm)
   
• Nathaniel T. Jones, Columbus, Ohio, September 20, 2004 (File name: ntjones8769.htm)
   
• Jami M. Thornton, Columbus, Ohio, September 20, 2004 (File name: jmthornton6151.htm)
   
• Gary J. Marcinick, CMFC, Columbus, Ohio, September 20, 2004 (File name: gjmarcinick4360.htm)
   
• R. M. Hamilton, CFP, Columbus, Ohio, September 20, 2004 (File name: rmhamilton3984.htm)
   
• Eric G. Shisler, CFA, Columbus, Ohio, September 20, 2004 (File name: egshisler1256.htm)
   
• Alison A. Bezyak, CFP, Columbus, Ohio, September 20, 2004 (File name: aabezyak9409.htm)
   
• Laura A. Hamilton, Columbus, Ohio, September 20, 2004 (File name: lahamilton3676.htm)
   
• Jeffrey R. Loehnis, CPA, CFP, Columbus, Ohio, September 20, 2004 (File name: jrloehnis5801.htm)
   
• Lisa S. Walls, CFP, Columbus, Ohio, September 20, 2004 (File name: lswalls1419.htm)
   
• Darcy J. Bialkowski, Columbus, Ohio, September 20, 2004 (File name: djbialkowski7461.htm)
   
• Michael P. Faieta, Columbus, Ohio, September 20, 2004 (File name: mpfaieta6024.htm)
   
• Dave Moran, CFP, Senior Vice President; Evensky, Brown Katz, Coral Gables, Florida, September 20, 2004 (File name: dmoran3032.htm)
   
• Jennifer T. Shultz, Columbus, Ohio, September 20, 2004 (File name: jtshultz4150.htm)
   
• Phoebe M. White, Columbus, Ohio, September 20, 2004 (File name: pmwhite4915.htm)
   
• Laura J. Morrison, Columbus, Ohio, September 20, 2004 (File name: ljmorrison9762.htm)
   
• Casey M. Bowman, Columbus, Ohio, September 20, 2004 (File name: cmbowman1473.htm)
   
• John C. Mercer, Columbus, Ohio, September 20, 2004 (File name: jcmercer3911.htm)
   
• William A. Leuby, J.D., CPA, CFP, Ohio Society of CPAs, Financial Planning Association, Columbus Bar Association, Columbus, Ohio, September 20, 2004 (File name: waleuby7832.htm)
   
• J. T. Young, J.D., Columbus, Ohio, September 20, 2004 (File name: jtyoung4673.htm)
   
• Elise I. Archer, Columbus, Ohio, September 20, 2004 (File name: eiarcher2167.htm)
   
• Kevin M. Doll, Columbus, Ohio, September 20, 2004 (File name: kmdoll3444.htm)
   
• David Prince, Marietta, Georgia, September 20, 2004 (File name: dprince1499.htm)
   
• John Ellison, Proprietor, Ellison Investment Advisors, Fairfax, Virginia, September 20, 2004 (File name: jellison2306.htm)
   
• Linda Patchett, CFP, Chapel Hill, North Carolina, September 20, 2004 (File name: lpatchett6008.htm)
   
• Errold F. Moody Jr., BSCE, LLB, MBA, PhD, September 19, 2004 (File name: s72599-1200.pdf)
   
• Allen Weiss, September 19, 2004 (File name: aweiss091904.htm)
   
• Vincent Rossi, MSFS, CFP, CLU, CIMA, AEP, CAP, CTFA, Chairman, Wealth Planning Institute, Scottsdale, Arizona, September 19, 2004 (File name: vrossi7008.htm)
   
• William H. "Herb" Kirby, CFP, Kirby Group, Inc., Reno, Nevada, September 18, 2004 (File name: kirby091804.htm)
   
• John P. Carrig, CFA, CFP, Deerfield Beach, Florida, September 18, 2004 (File name: jpcarrig1637.htm)
   
• Eric A. Mote, Financial Planning Association, National Association of Personal Financial Advisors, Cedar Rapids, Iowa, September 18, 2004 (File name: eamote1500.htm)
   
• Connie Brezik, CPA/PFS, NAPFA, Casper, Wyoming, September 18, 2004 (File name: cbrezik6990.htm)
   
• Charles S. Vinoski, September 17, 2004 (File name: vinoski091704.htm)
   
• Michael S. Krupit, September 17, 2004 (File name: mskrupit091704.htm)
   
• Roxanne Fleszar, CFP, ChFC, Financial Resources Management Corporation, Key West, Florida, September 17, 2004 (File name: rfleszar8256.htm)
   
• James D. Schwartz, Desert Valley Financial Planning, LLC, Gilbert, Arizona, September 17, 2004 (File name: jdschwartz4539.htm)
   
• Gerald R. Weiss, financial planner, Reno, Nevada, September 17, 2004 (File name: grweiss3741.htm)
   
• Mark Nickell, Franklin, Tennessee, September 17, 2004 (File name: mnickell5292.htm)
   
• Larry West, Registered Investment Advisor, Huntsville, Alabama, September 17, 2004 (File name: lwest1177.htm)
   
• Samindra Supaari, individual investor, Northborough, Massachusetts, September 17, 2004 (File name: ssupaari7410.htm)
   
• Melissa K. Hammel, CFP, NAPFA Registered Advisor, Managing Partner, Hammel Financial Advisory Group, LLC, Brentwood, Tennessee, September 17, 2004 (File name: mkhammel5020.htm)
   
• George Toth, Erdenheim, Pennsylvania, September 17, 2004 (File name: gtoth4372.htm)
   
• Susan M. John, CFP, NAPFA, FPA, Registered Investment Advisor, Wolfeboro, New Hampshire, September 17, 2004 (File name: smjohn4173.htm)
   
• Lucas Bucl, Financial Planning Specialist, Accredited Investors Inc., Eagan, Minnesota, September 17, 2004 (File name: lbucl8461.htm)
   
• Jay M. Ring, CPA, CFP, St. Louis, Missouri, September 17, 2004 (File name: jmring4612.htm)
   
• Berthel A. Olsen, III, Minneapolis, Minnesota, September 17, 2004 (File name: baolsen8539.htm)
   
• Mary Beth Dale, Registered Nurse for Kaiser Permanente, Aliso Viejo, California, September 17, 2004 (File name: mdale8253.htm)
   
• Steven D. Carlson, CPA/CFP, CEO, Carlson Olsen Financial Partners, Minneapolis, Minnesota, September 17, 2004 (File name: sdcarlson8648.htm)
   
• Edward Moore, Financial Advisor, Fairfax, Virginia, September 17, 2004 (File name: emoore4914.htm)
   
• Robert W. Eichten, Director, Financial Planning and Practice Management, Minneapolis, Minnesota, September 17, 2004 (File name: rweichten9758.htm)
   
• Susan Dickie, September 17, 2004 (File name: sdickie2111.htm)
   
• Rosie Chin, San Mateo, California, September 17, 2004 (File name: rchin5682.htm)
   
• James R. Sauers, CLU, ChFC, Dacula, Georgia, September 16, 2004 (File name: jrsauers9374.htm)
   
• Shawn J. Jacobson, CFP, Legacy Financial Advisors Inc, Member-Financial Planning Association MN, Minneapolis, Minnesota, September 16, 2004 (File name: sjjacobson3843.htm)
   
• Christine Pawlenty, Woodbury, Minnesota, September 16, 2004 (File name: cpawlenty6452.htm)
   
• Michael A. Branham, CFP, Edina , Minnesota, September 16, 2004 (File name: mabranham1355.htm)
   
• George A. Loomis, CFP, Minneapolis, Minnesota, September 16, 2004 (File name: galoomis3997.htm)
   
• Thomas A. Grose, CFP, Minneapolis, Minnesota, September 16, 2004 (File name: tagrose2543.htm)
   
• Eric C. Lind, Financial Advisor, Morgan Stanley, Minneapolis, Minnesota, September 16, 2004 (File name: eclind4678.htm)
   
• Robert P. Lawson, Financial Advisor, Boulay Financial Advisors, Minneapolis, Minnesota, September 16, 2004 (File name: rplawson5198.htm)
   
• Jeff L. Sessions, business owner, Sessions Financial Group, Minnetonka, Minnesota, September 16, 2004 (File name: jlsessions7145.htm)
   
• Maria M. Malooly, Financial Planner, Lincoln Financial Advisors, Minneapolis, Minnesota, September 16, 2004 (File name: mmmalooly4010.htm)
   
• Joyce A. Franchett, Minneapolis, Minnesota, September 16, 2004 (File name: jafranchett7097.htm)
   
• Nanct Mayer, September 16, 2004 (File name: mayer091604.htm)
   
• Katherine D'Urso, September 16, 2004 (File name: durso091604.htm)
   
• Marcia Coleman, Arlington, Virginia, September 16, 2004 (File name: mcoleman091604.htm)
   
• Dan Depolito, September 16, 2004 (File name: ddepolito091604.htm)
   
• Steven F. Wertime, Ph.D., Falls Church, September 16, 2004 (File name: sfwertime091604.htm)
   
• Deborah L. Thomas, JD, CFP, Silver Oak Advisory Group, Portland, Oregon, September 16, 2004 (File name: dlthomas1805.htm)
   
• Jared W. Jameson, CFP, WJ Interests, LLC, Sugar Land, Texas, September 16, 2004 (File name: jwjameson6470.htm)
   
• Nancy C. Gimmestad, CFP, Minneapolis, Minnesota, September 16, 2004 (File name: ncgimmestad8629.htm)
   
• Esther Paulsen, Registered Representative, Bloomington, Minnesota, September 16, 2004 (File name: epaulsen5542.htm)
   
• Joel S. Greenwald, MD, Certified Financial Planner, Financial Network Investment Corp., Minnetonka, Minnesota, September 16, 2004 (File name: jsgreenwald5648.htm)
   
• Alan Havir, Financial Planner, Phoenix, Arizona, September 16, 2004 (File name: ahavir2290.htm)
   
• Abbas A. Heydari, CFP, Torrance, California, September 16, 2004 (File name: aaheydari2364.htm)
   
• Reed C. Fraasa, September 16, 2004 (File name: rcfraasa091604.htm)
   
• Alice W. Hallford, CFP, NAPFA, FPA, Hallford Financial Advisors, Jackson, Mississippi, September 16, 2004 (File name: awhallford3530.htm)
   
• George C. Mahler, Jr., CFP, Richmond, Virginia, September 15, 2004 (File name: gcmahlerjr7426.htm)
   
• Laurence S. Schultz; Driggers, Schultz & Herbst, September 15, 2004 (File name: lsschultz091504.pdf)
   
• Lillian King, office assistant, Legend Financial Advisors, Inc., Pittsburgh, Pennsylvania, September 15, 2004 (File name: lking091504.htm)
   
• Tommy G. Lewis II, ChFC, CLU, financial consultant, Raleigh, North Carolina, September 15, 2004 (File name: tglewisii6083.htm)
   
• Karen Cox, fee-only financial planner, Melbourne, Florida, September 15, 2004 (File name: kcox7040.htm)
   
• James W. Diamond, Member, Financial Planning Association, Warwick, Rhode Island, September 15, 2004 (File name: jwdiamond3819.htm)
   
• Jocelyn W. Holzwarth, CFS, CSA, CDFA; Registered Principal, National Planning Corporation; Registered Investment Advisor, Independent Planning Associates, LLC; Las Vegas, Nevada, September 15, 2004 (File name: jwholzwarth7745.htm)
   
• Alfredo Mesa, Financial Planner, Atlanta, Georgia, September 15, 2004 (File name: amesa5566.htm)
   
• S. D. Rahaim, September 14, 2004 (File name: sdrahaim091404.htm)
   
• Paul F. Jan, September 14, 2004 (File name: pfjan091404.htm)
   
• David H. Bugen, September 14, 2004 (File name: dhbugen3571.htm)
   
• David Yossem, CFP, ChFC, CLU, President, West Coast Financial, Santa Barbara, California, September 14, 2004 (File name: dyossem6222.htm)
   
• Charles OConnor, Owner, Charles Edward OConnor, Registered Investment Advisor, Torrance, California, September 14, 2004 (File name: coconnor1216.htm)
   
• Robert J Lindner, CFP, President, Lindner Capital Management and President, Lindner Capital Advisors, Marietta, Georgia, September 14, 2004 (File name: rjlindner9588.htm)
   
• Barbara Sherwood, Yardley, Pennsylvania, September 14, 2004 (File name: bsherwood091404.htm)
   
• Cathy and Bob Minnick, September 14, 2004 (File name: cbminnick091404.htm)
   
• Catherine L. Robson, CFP, September 14, 2004 (File name: clrobson091404.htm)
   
• Carol H. Chesser, CFP, Vice President, Burn Financial Management, Palm Beach Gardens, Florida, September 13, 2004 (File name: chchesser5560.htm)
   
• Paul Loos, San Francisco, California, September 14, 2004 (File name: ploos1977.htm)
   
• William C Jerome, CFP, Glenville, New York, September 14, 2004 (File name: wcjerome4239.htm)
   
• Chris White, Arlington, Virginia, September 14, 2004 (File name: cwhite091404.htm)
   
• Dave Lederhos, September 14, 2004 (File name: dlederhos091404.htm)
   
• Diana Morse, District Heights, Maryland, September 14, 2004 (File name: dmorse091404.htm)
   
• Domineca Neal, owner, Solo Holdings Co., September 14, 2004 (File name: dneal091404.htm)
   
• Lee H. Belaga, September 14, 2004 (File name: lhbelaga091404.htm)
   
• Soli Forouzan, President, Mind Span, Inc., Houston, Texas, September 14, 2004 (File name: sforouzan091404.htm)
   
• D. Deseranno, September 13, 2004 (File name: ddeseranno091304.htm)
   
• Roz Roseman, September 13, 2004 (File name: rroseman091304.htm)
   
• Scott Hoover, Haddonfield, New Jersey, September 13, 2004 (File name: shoover091304.htm)
   
• Elena Graves, September 13, 2004 (File name: egraves091304.htm)
   
• Stephen S. Winslett, September 13, 2004 (File name: sswinslett091304.htm)
   
• Robert J. Richards Jr., CFP, CFS, RFC, BCM, September 13, 2004 (File name: rjrichards091304.htm)
   
• Phillip D. Bour, South Riding, Virginia, September 13, 2004 (File name: pdbour091304.htm)
   
• Jeff Jerome, Boise, Idaho, September 13, 2004 (File name: jjerome091304.htm)
   
• Shawnee Barbour, Jacksonville, Florida, September 13, 2004 (File name: sbarbour7911.htm)
   
• John E Bergland, Jr., CFP, FPA, NAPFA, September 13, 2004 (File name: jeberglandjr.2770.htm)
   
• Roselyn Wilkinson, CFP, Pittsburgh, Pennsylvania, September 13, 2004 (File name: rwilkinson1586.htm)
   
• William F. Muhs, Ph.D., President, Montvest, Bozeman, Montana, September 13, 2004 (File name: wfmuhs5499.htm)
   
• Bob Rahaim, September 13, 2004 (File name: brahaim091304.htm)
   
• Vincent Rossi, MSFS, CFP, CLU, CIMA, AEP, CAP, CTFA, Chairman, Wealth Planning Institute, Scottsdale, Arizona, September 12, 2004 (File name: vrossi7921.htm)
   
• Donald B. Trone, AIFA, President, Foundation for Fiduciary Studies, September 12, 2004 (File name: s72599-987.pdf)
   
• S. K. Lazear, September 12, 2004 (File name: sklazear091204.htm)
   
• Frank Curcillo, Sarasota, Florida, September 12, 2004 (File name: fcurcillo091204.htm)
   
• John P. Platt, Jr., PE, Cat Spring, Texas, September 12, 2004 (File name: jpplatt091204.htm)
   
• Jerome D. Miller, Gaithersburg, Maryland, September 12, 2004 (File name: jdmiller091204.htm)
   
• Anonymous reviewer, September 12, 2004 (File name: nancy091204.htm)
   
• Walter F. Burns, CFP, President, Burns Financial Management, Palm Beach Gardens, Idaho, September 12, 2004 (File name: wfburns9416.htm)
   
• Martin L. Hopkins, CFP, FPA, NAPFA, Centreville, Virginia, September 12, 2004 (File name: mlhopkins3877.htm)
   
• Peggy and Jack Houser, September 12, 2004 (File name: pjhouser091204.htm)
   
• Cary Carbonaro, CFP, MBA, September 12, 2004 (File name: ccarbonaro091204.htm)
   
• Herbert O. Aburn, Jr., September 12, 2004 (File name: hoaburn7266.htm)
   
• Susan D. Burghardt, Osterville, Massachusetts, September 12, 2004 (File name: sdburghardt6369.htm)
   
• Swamini Ramananda , September 12, 2004 (File name: sramananda091204.htm)
   
• Lena I. Nyffenegger, September 11, 2004 (File name: lnyffenegger091104.htm)
   
• Kevin J. Yang, Santa Clara, California, September 11, 2004 (File name: kjyang091104.htm)
   
• Daniel Laughman, Bear, Delaware, September 11, 2004 (File name: dlaughman4956.htm)
   
• Jamie Milne, CFP, West Danville, Vermont, September 11, 2004 (File name: jmilne4219.htm)
   
• Anthony T. Moreschi, North Andover, Massachussetts, September 11, 2004 (File name: atmoreschi091104.htm)
   
• Paul Beenen, September 11, 2004 (File name: pbeenen091104.htm)
   
• Steven Graves, President, Du-Mont Co., Peoria, Illinois, September 11, 2004 (File name: sgraves091104.htm)
   
• Richard E. Smith, September 11, 2004 (File name: resmith091104.htm)
   
• Irving Brown, September 11, 2004 (File name: ibrown091104.htm)
   
• Deepak Sharma, September 11, 2004 (File name: dsharma091104.htm)
   
• Elizabeth A. Sharkazy, September 11, 2004 (File name: easharkazy091104.htm)
   
• Thomas F. Mann, September 11, 2004 (File name: tfmann091104.htm)
   
• George E. McCarthy, Swarthmore, Pennsylvania, September 11, 2004 (File name: gemccarthy091104.htm)
   
• John Bowen, Pittsford, New York, September 11, 2004 (File name: jbowen091104.htm)
   
• Bob Althen, September 11, 2004 (File name: balthen091104.htm)
   
• David A. Outzs, September 11, 2004 (File name: daoutzs091104.htm)
   
• Hal L. Rose, Attorney at Law, Bellmore, New York, September 10, 2004 (File name: hlrose4829.htm)
   
• William Bartel, individual investor, September 10, 2004 (File name: wbartel091004.htm)
   
• Robert M. Pennell, BS, MBA, RIA, Partner in Appropriate Balance Financial Services, Bellevue, Washington, September 10, 2004 (File name: rmpennell3450.htm)
   
• Jeff Blatt, Golden, Colorado, September 10, 2004 (File name: jblatt091004.htm)
   
• Scott Bailey, September 10, 2004 (File name: sbailey091004.htm)
   
• Charles W. Reace, Sr., Westampton, New Jersey, September 10, 2004 (File name: cwr091004.htm)
   
• Lesley J. Brey, CFA, CFP, President, L.J. Brey, Inc., Honolulu, Hawaii, September 10, 2004 (File name: ljbrey5486.htm)
   
• John Knolhoff, September 10, 2004 (File name: jknolhoff091004.htm)
   
• Thomas G. McHale, September 10, 2004 (File name: tgmchale091004.htm)
   
• Mark Willoughby, CFP, CFA, September 10, 2004 (File name: mwilloughby091004.htm)
   
• Karen R. Blodgett, San Francisco, California, September 10, 2004 (File name: krblodgett4284.htm)
   
• Diane Hedrich, September 10, 2004 (File name: dhedrich091004.htm)
   
• Mike Carroll, September 10, 2004 (File name: mcarroll091004.htm)
   
• Pamela Krizay, September 10, 2004 (File name: pkrizay091004.htm)
   
• Michael Reilly, September 10, 2004 (File name: mreilly091004.htm)
   
• Mark Carlson, MBA, MS, BS, BA, September 10, 2004 (File name: mcarlson091004.htm)
   
• Joann Cox, Inverness, Florida, September 10, 2004 (File name: jcox9918.htm)
   
• Jesse W. Crocker, Houston, Texas, September 10, 2004 (File name: jwcrocker091004.htm)
   
• Albert J. Morrow, Chicago, Illinois, September 10, 2004 (File name: ajmorrow9668.htm)
   
• Douglas F. Sheehan, September 10, 2004 (File name: dfsheehan091004.htm)
   
• David White, September 10, 2004 (File name: dwhite091004.htm)
   
• Karl Smith, September 10, 2004 (File name: ksmith091004.htm)
   
• Michael Carroll, September 10, 2004 (File name: mcarroll091004.htm)
   
• Penny Considine, September 10, 2004 (File name: pconsidine091004.htm)
   
• Phyllis Harmon, LeTort Management & Trust Company, Camp Hill, Pennsylvainia, September 10, 2004 (File name: pharmon091004.htm)
   
• Ryan Darwish, September 10, 2004 (File name: rdarwish091004.htm)
   
• Brian Breidenbach, MBA, CPA, CFA, September 10, 2004 (File name: bbreidenbach0911004.htm)
   
• Wanda Cooper, September 10, 2004 (File name: wcooper091004.htm)
   
• Joseph M. D'Ambrosio, CFP, Partner; Lewis, McBeth & D'Ambrosio, LLP, September 10, 2004 (File name: mcbethdambrosio091004.htm)
   
• Brian R. Smith, CFP, September 10, 2004 (File name: brsmith091004.htm)
   
• B. T. Conry, Jr., September 10, 2004 (File name: btconry091004.htm)
   
• William R. Anderson, Chief Compliance Officer and Portfolio Manager, The Proper Analysis Corporation, September 10, 2004 (File name: wranderson091004.htm)
   
• Patricia A. Musachio, Lake In The Hills, Illinois, September 10, 2004 (File name: pamusachio6104.htm)
   
• Timothy M. Montague, CPA, CFP, MT, FPA, AICPA, Columbus, Ohio, September 10, 2004 (File name: tmmontague6186.htm)
   
• James Lorence, Lorence & VanderZwart, September 10, 2004 (File name: s72599-989.pdf)
   
• Randy Oldenburg, CFP, Camden Financial Management, Scottsdale, Arizona, September 10, 2004 (File name: roldenburg6846.htm)
   
• James A. Stehr, AIA, Alameda, California, September 10, 2004 (File name: jastehr4879.htm)
   
• Nancy J. Johnson, CFR, Compliance Coach, Strategic Compliance Concepts, Ltd, September 9, 2004 (File name: s72599-988.pdf)
   
• Warren J. Mackensen, Financial Advisor, Hampton, New Hampshire, September 9, 2004 (File name: wjmackensen3444.htm)
   
• Gay Abarbanell, CFP, CSA, National Planning Corp., FPA Los Angeles, Culver City, California, September 9, 2004 (File name: gabarbanell1233.htm)
   
• Valentine F. Lynch, CFP, Bowie, Maryland, September 9, 2004 (File name: vflynch7136.htm)
   
• Douglas Wells, Salt Lake City, Utah, September 9, 2004 (File name: dwells5078.htm)
   
• Peter T. Palion, CFP, President, Master Plan Advisory, Inc., East Meadow, New York, September 9, 2004 (File name: ptpalion9861.htm)
   
• Roger T. Smith, Certified Financial Planner, Sacramento, California, September 9, 2004 (File name: rtsmith5303.htm)
   
• Howard A. Townsend, CFP, Bonsall, California, September 9, 2004 (File name: hatownsend5707.htm)
   
• Ronald Gabel, Kerrville, Texas, September 9, 2004 (File name: rgabel090904.htm)
   
• Dan Danford, President, MBA, CRSP, Family Investment Center, September 8, 2004 (File name: ddanford090804.htm)
   
• Mark W Archambo, CPA, CFP, Bartlesville, Oklahoma, September 8, 2004 (File name: mwarchambo8416.htm)
   
• Jeff Bernier, CFP, ChFC, CFS, President, TandemGrowth Financial Advisors, LLC, Roswell, Georgia, September 8, 2004 (File name: jbernier5435.htm)
   
• Daniel H. Boyce, CFP, Branch Manager, Raymond James Financial Services, Sou