Professional Financial Solutions, LLC

<body> <TABLE BORDER="0" cellPadding="0" cellSpacing="4" WIDTH="90%"> <TBODY> <TR> <TD ALIGN="left" vAlign="top" WIDTH="347"><FONT SIZE="2"><B>Glenn D. Mickelson, CFP</B> is the president of Professional Financial Solutions, LLC. He completed the College for Financial Planning's CFP (Certified Financial Planner) Professional Education Program in 1996 and became a CFP licensee in 1997. Mr. Mickelson received a bachelor's degree in accounting and finance from Central Washington University in 1985. Mr. Mickelson has held positions at a local accounting firm, a local financial institution, a big-six accounting firm, and a city government utility. He has been working in the financial planning field since 1995.</FONT> <P><FONT SIZE="2">Mr. Mickelson also is an adjunct instructor at George Washington University and teaches in their CFP education program.</FONT></P> <P><FONT SIZE="2"><A HREF="mailto:gmickelson@profinancialsolutions.com">gmickelson@profinancialsolutions.com</A> </FONT></P> </TD> <TD ALIGN="left" vAlign="top" WIDTH="142"> <P ALIGN="right"><BR> <FONT SIZE="1">Photo by Robin Reid</FONT></P> </TD> </TR> </TBODY> </TABLE> <BR> <TABLE BORDER="0" cellPadding="0" cellSpacing="4" WIDTH="90%"> <TBODY> <TR> <TD ALIGN="left" HEIGHT="217" vAlign="top" WIDTH="71%"><FONT SIZE="2"><B>Michael J. McLenigan</B>, vice president of Professional Financial Solutions, LLC, completed the College for Financial Planning's CFP Professional Education Program and passed the CFP exam in 1999. He also is a financial analyst for a major telecommunications firm. Mr. McLenigan received a bachelor's degree in 1986 and an MBA in finance in 1995 from Virginia Tech. Previously, Mr. McLenigan held positions at two local financial institutions and a mutual fund company.</FONT> <P><FONT SIZE="2"><A HREF="mailto:mmclenigan@profinancialsolutions.com">mmclenigan@profinancialsolutions.com</A> </FONT></P> </TD> <TD ALIGN="left" HEIGHT="217" vAlign="top" WIDTH="29%"> <P ALIGN="right"><BR> <FONT SIZE="1">Photo by Robin Reid</FONT></P> </TD> </TR> </TBODY> </TABLE> <BR> <TABLE ALIGN="center" BORDER="0" cellPadding="0" cellSpacing="0" WIDTH="90%"> <TBODY> <TR ALIGN="left" vAlign="top"> <TD> <P><FONT SIZE="2"><B><A NAME="history"></A></B></FONT><B>Our History</B><BR> Professional Financial Solutions, LLC, is a registered investment advisor. Mr. Mickelson started the firm in April of 1997 working out of his home and utilizing temporary office space in Tyson's Corner, Virginia. In September of 1999, the operations were moved to a permanent location in Fairfax, Virginia. The firm is continuing its steady growth with over 50 asset management/financial planning clients.</P> <P ALIGN="center"><A HREF="http://www.profinancialsolutions.com/whoweare.htm">Back to top</A></P> <P><B><A NAME="philosophy"></A>Our Philosophy</B><BR> Planning is very important to a family's financial well being. Specific goals must be set and results should be compared against measurable targets so adjustments, if necessary, can be made to attain the goals.</P> <P>We work with clients who want an advisor who will listen to their concerns, keep their interests first and foremost in mind, and design portfolios specifically for them to help them achieve their goals. We see the relationship that we are building with each of our clients as a life-long relationship.</P> <P>For investments, we primarily use passively managed mutual funds. The academic research shows that active management is too expensive, can result in higher taxes, and managers that outperform the market cannot be reliably identified in advance. It's important for investors to keep the overall cost of their investments in check. We have found that with using passively managed funds, clients who retain us pay only slightly more than the average expenses in a mutual fund.</P> </TD> </TR> </TBODY> </TABLE> <P><A HREF="http://www.profinancialsolutions.com/whoweare.htm">Back to top</A></P> <P> </P> <P><FONT COLOR="#003399" FACE="Arial, Helvetica, sans-serif" SIZE="1">© 2000 PROFESSIONAL FINANCIAL SOLUTIONS. All rights reserved.</FONT></P> <P><BR> </P> <p> </p> </body>