Affiliations

	National Association of Personal Financial Advisors (NAPFA) www.napfa.org - Commitment to Ojectivity and Integrity Tim Brown is a Registered Financial Advisor with The National Association of Personal Financial Advisors (NAPFA) which is the largest organization of "Fee-Only" advisors.  "Fee-Only" financial planners are compensated solely by fees from their clients and do not accept commissions or compensation from any other source. Tim has been a proud member of NAPFA since July 2003.  NAPFA membership requirements are among the most stringent in the industry.  Currently, less than 1,000 (of the estimated 650,000 financial advisors in the U.S.) have met the qualifications to use the NAPFA and "Fee-only" trademarked names. To be a member of NAPFA, a planner must: Have a minimum of a baccalaureate degree, or its equivalent; Show compliance with federal and state investment advisor regulations; Show evidence of advanced education in the field, or other related credentials; Have experience in comprehensive financial planning; Submit a financial plan for peer review; and Submit documents that show the planner is fee-only, does not work for a firm that sells financial products, and does not receive any compensation for recommending specific products or services. In addition, to maintain membership in NAPFA, a planner must: Sign a fiduciary oath and commit to a client-centered relationship; Attest (yearly) to upholding all of NAPFA's membership requirements; and Complete 60 hours of continuing education every two years.  These hours must include topics in the six areas comprising comprehensive financial planning.
	Chartered Financial Analyst Timothy Brown has been a Chartered Financial Analyst (CFA®) professional since 1994. The CFA charter is awarded only to a very select group of investment specialists who have mastered a rigorous curriculum covering a broad range of investment-related subjects. CFA charterholders have professional experience applying this knowledge to the investment decision-making process. And, CFA charterholders are held to the highest ethical standards. The CFA Program is a graduate-level, self-study curriculum and examination program for investment specialists - especially securities analysts, money managers and investment advisors. Established in 1962, the CFA Program sets the global standard for investment knowledge, standards and ethics. Clients, employers and colleagues know that a charterholder has mastered a rigorous curriculum covering a broad range of investment topics and is committed to the highest ethical standards in the profession. Earning the credential also serves as a "passport" to entry to or advancement within the profession or to work in other countries. The CFA designation demonstrates professional achievement. To earn the CFA charter, investment professionals must have at least three years of acceptable professional experience in the investment decision-making process. In addition, candidates must pass three sequential, six-hour examinations over at least three years and must commit to abide by and annually reaffirm their adherence to the AIMR Code of Ethics and Standards of Professional Conduct.
	The Association for Investment Management and Research (AIMR) is a global, nonprofit organization with a mission of advancing the interests of the global investment community by establishing and maintaining the highest standards of professional excellence and integrity.
	Certified Financial Planner Timothy Brown is a CERTIFIED FINANCIAL PLANNERTM professional (CFP) and a member of the Financial Planning Association (FPA), a membership organization for the financial planning community. Members include individuals and companies who are committed to championing the financial planning process. FPA members are dedicated to supporting the financial planning process in order to help people achieve their goals and dreams. The FPA believes that everyone needs objective advice to make smart financial decisions. Tim is the Vice-Chair of the FPA Special Events Committee and coordinates a monthly roundtable of professional advisors to discuss financial planning topics and share knowledge with other leading advisors in the Twin Cities.
	The Garrett Planning Network - Commitment to Fee-Only Financial Planning The Garrett Planning Network, Inc. (GPN) is a nationwide network of professional, Fee-Only financial advisors. GPN members are dedicated to providing competent, unbiased financial advice. Only 1% of the nation's financial planning firms are structured this way.  Many financial advisors accept clients only if they meet certain income and net worth requirements. GPN members believe, however, that professional, unbiased financial advice is something all Americans need, at least periodically, to build the brightest financial futures.