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First Affirmative Financial Network, LLC

As of 2007, FAFN employees (of which I am not of course) own about 56% of FAFN. That is similar to my other major affiliation, KMS Financial Services, Inc, owned entirely by current and former employees (again, I’m not an employee but an independent contractor).

I currently own less than half of one-percent of FAFN. For 2007 this represented a share of distributed profits roughly equating to the cost of a chai and lunch at Mr. Spots’ Chai House per $1,000,000 account. So if you would like me to treat your family to chai and lunch, just let me know. I voluntarily disclose this ownership information and as you can see it would be an exaggeration for someone to call it a conflict of interest.

Of more significance, because of this ownership status and being among the top consultants nationally using FAFN’s services, I am privileged to sit on the FAFN Advisory Board. In this voluntary capacity, I represent the larger group of FAFN affiliated consultants and our clients (FAFN also manages my money) in the spirit of helping improve services to everyone’s benefit.

Please address any concerns directly to me or to KMS or FAFN before engaging our services.

Calvert Foundation (CF)

As disclosed in offering materials, the CF Community Investment Note program pays a 1/4 of one percent service fee trail to KMS who in turn pays most of it to Eric Smith for services he provides to those participating clients. 

For client participation in CF Donor Advised Fund program accounts, CF contributes a small (approx. 1/2 of the administrative fee schedule), at the initial six month anniversary, as an honorarium directly into the CF Donor Advised Fund advised by Eric Smith. Eric receives no personal or business compensation from CF for helping clients with CF Donor Advised Fund accounts. As with any investment or donor advised program, please read Calvert Foundation's offering and program materials carefully before investing or contributing.

Links to Other Sites

We provide links to other sites on the Internet for your convenience in locating information or services. Those sites are maintained by independent third parties over which we exercise no control. We do not necessarily endorse or sponsor such third parties or their web sites and are not necessarily affiliated with any such third party. Accordingly, we disclaim any responsibility for the content, accuracy, and availability of and/or quality of products or services provided by or advertised on those sites.

Disclaimers

• This is neither an offer to sell nor solicitation of an offer to buy any security.
• For more complete information about a fund, including risks, charges and expenses, obtain a prospectus from your securities dealer or representative and read it carefully before you invest.
• Advisory services are provided upon completion of an advisory services agreement. This agreement describes services to be provided and discloses relevant fees and expenses.
• Past performance is not indicative of future results. Indexes are unmanaged and do not reflect sales charges, commissions, or expenses.
• There is no assurance that funds will achieve their investment objectives. Some funds invest all or a portion of their assets in foreign securities. There are additional risks to foreign investments, including political and currency risks.
• This information is from sources believed to be reliable, but we cannot guarantee its accuracy.
• Of course, any investment decision should be made after careful review of your individual financial situation, risk tolerance, investment objectives and time horizon.

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