Commonwealth Financial Network

Wayne is the chief executive officer of Commonwealth. A member of the firm's senior management team since 1999, he is responsible for managing our primary objective of providing indispensable products and services to our network of independent financial advisors. Wayne began his career at Commonwealth in the firm's Accounting department in 1989, and, over the past 20 years, he has gained experience in virtually every facet of the firm. As one of the pioneers of our wealth management initiative, he has an extensive background in managing the firm's research, insurance, financial planning, retirement, and registered investment advisory divisions. Prior to joining Commonwealth, Wayne was employed at Fidelity Investments. Wayne is an alumnus of the Harvard Business School, having graduated from the Owner/President Management Program. He received a BS in Business Management from Northeastern University, graduating with honors. Wayne also served as chairman of the IAFP's Financial Products Advisory Council. He holds FINRA Series 7, 24, 63, and 65 securities licenses. Wayne lives in Sherborn, Massachusetts, with his wife, Veronica, and children, Kevin, Molly, Aidan, and Callie. He enjoys playing sports, coaching his children's teams, kayaking, windsurfing, and spending time with family on Cape Cod and he is thrilled to have finally seen the Red Sox win it all!

Paul has been Chief Compliance Officer at Commonwealth Financial Network since August 2006. As CCO of Commonwealth, Paul is responsible for establishing, administering and enforcing Commonwealth's broker-dealer and investment adviser supervisory and compliance policies and procedures. He is also responsible for the general management and leadership of the firm's Compliance and Licensing staff. Paul has more than 16 years of compliance experience and a strong background in broker-dealer and investment advisory compliance best practices. Prior to joining Commonwealth, Paul was First Vice President and Chief Compliance Officer for National Planning Holdings of Santa Monica, California, where he oversaw compliance for the four independent broker-dealers within the NPH broker-dealer network. He has also served in senior compliance positions at Cambridge Investment Research and LPL. Paul holds FINRA Series 4, 7, 24, 53, 63, and 65 securities licenses. He is a member of the National Society of Compliance Professionals. Paul earned his BS in Business Administration from Northeastern University in Boston.

Scott Walton joined Commonwealth Financial Network in 1999 and is the founder of S. Andrew Walton Investment Planning in Birmingham, Alabama. In addition to running a successful practice and spending time with his family, Scott enjoys exploring nature and finding ways to preserve our natural resources. One of Scott?s many outdoor hobbies includes hiking up some of the world?s most renowned mountains. In 1992, Scott climbed to the summit of Mount Olympus in Greece. Most recently, he ascended Mount Kilimanjaro in Tanzania, South Africa. Along with three friends, Scott backpacked his way up the mountain in six days, concluding with a two-day descent. It has been documented that approximately 50 percent of the climbers who attempt this mountain will succeed to the summit, as it spans several botanical and climate zones. Scott successfully reached the peak, which stands at 19,340 feet. Closer to home, Scott recently purchased and renovated a 1940s office building to create an example of an environmentally, economically, and socially responsible space. In fact, Scott?s office is the city?s second ?green? building and the first ?green? office space.

John K. Kai. Mr. Kai has served as a director since June 2004. Mr. Kai is president of Pinnacle Investment Group, LLC and Pinnacle Media Group, LLC, and branch manager and investment representative of Commonwealth Financial Network. Mr. Kai was the resident manager of the Hilo office of Paine Webber, Inc. and was with Merrill Lynch prior to Paine Webber, Inc. Mr. Kai is a graduate of Sacramento City College and attended the University of the Pacific from 1983 to 1985. Mr. Kai served on the Board of Regents of the University of Hawaii and was a director of the Research Corporation of the University of Hawaii, the Hawaii Island Portuguese Chamber of Commerce and has served on several nonprofit boards in Hawaii. He resides in Hilo, Hawaii.

Andrew J. Feldman joined Lincoln Park Financial Group in January 2006. As a CERTIFIED FINANCIAL PLANNERTM Practitioner (CFP ), Andrew uses the resources of the LPFG team as well as his own knowledge and experience to design and implement financial plans for his growing client base as a Registered Representative and Investment Adviser Representative of Commonwealth Financial Network, member FINRA. He holds FINRA Series 7 and 66 securities registrations and is also licensed for health and life insurance in Illinois. Before joining LPFG, Andrew worked with Treasury Equity, LLC researching and developing new currency based Exchange Traded Funds (ETFs). Through this research and development, Andrew has gained an extensive comprehension of the uses, advantages, and risks of ETFs and other securities. Andrew graduated from Indiana University in Bloomington, Indiana, where he earned a BA in Philosophy, a minor in Psychology and a business certificate through the LAMP program. LAMP is an interdisciplinary certificate program offered by the college of Arts and Sciences in cooperation with the Kelley School of Business. Andrew lives in Lincoln Park and in his free time he enjoys traveling, relaxing by the lakefront, dining at local restaurants, and cheering on his beloved Bears. Andrew is a supporting member of the Association of Practical and Professional Ethics, he serves on the Board of Directors of the Center for Independent Futures, and is a member of the Jewish United Fund's Business Professionals Network.

Becky Linhart joined Commonwealth Financial Network as a Registered Representative and Investment Adviser Representative in December 2004. In 2006, she partnered with Commonwealth advisor Louise Sharp to form Sharp & Linhart Financial Strategies. Becky and Louise are holistic financial advisors who serve women and their families on the North Shore of Massachusetts. Their approach focuses on a client?s complete financial picture, while taking into consideration an individual?s values. In 2007, Becky joined forces with a recent college graduate from her hometown of Marblehead, Massachusetts, to aid women in Piura, Peru, in selling handmade apparel to the U.S. Becky was integral in formalizing the program by setting up training guidelines, creating a payroll system, and locating a distributor to sell the wares to the U.S. She also helped establish the program to become a self-sustaining organization. While in Peru, Becky aligned women in Piura to create a formalized work group that will knit and crochet goods for sale abroad. She also helped create an alliance between the women and local vendors to purchase native materials for the apparel. The group of women is now a legal cooperative in Peru and is affiliated with the Autonomie Project (www.autonomieproject.com), a fair trade organization, to help distribute their products. The next step in assisting these women is to create a formalized workspace. To date, the women gather at each other?s homes, but they will soon have their own building in which to craft their goods. Becky has organized a union between the Rotary Club of Marblehead Harbor in Massachusetts and the local Rotary in Piura, Peru, to raise funds for constructing this workspace. Becky has been a member of the Rotary Club of Marblehead Harbor since 2001. In addition to her work in Peru, she joins her peers once a month at local community shelters to serve food to the homeless. In 2007, she was integral in creating the Rotary Club of Marblehead Harbor Enhanced Scholarship Trust for community residents. The permanently funded scholarship fund is intended to assist students through all four years of college and is also available for nontraditional students, such as single mothers who wish to improve work skills by gaining additional knowledge. Becky earned a BS in Psychology from Roanoke College and a Certificate in Special Studies in Management (CSS) from Harvard University. She holds FINRA Series 7, 31, 63, and 65 securities licenses, as well as a Life and Health Insurance license. She enjoys skiing and racing J37 sailboats. Becky resides in Marblehead, Massachusetts, and enjoys spending time with her son, Sam, and their Westie, Andy.

Bill Bowman is a senior partner of the Investmark Financial companies and is a registered representative of Commonwealth Financial Network. He holds Series 7, Series 63, and Life and Health Insurance licenses. His primary focus is providing financial planning and investment advisory services to clients of the firm and providing consulting services to corporate pension plans. Bill was an early advocate of including alternative investments and other non-correlated assets in portfolios in order to obtain greater diversification and additional return potential. Prior to joining Investmark in 1986, the same year he became a Certified Financial Planner , he was an officer of a Fortune 500 company, where he was responsible for capital financing and investments. Bill received his undergraduate degree from the Pennsylvania State University and his MBA from the Wharton School of Finance, University of Pennsylvania. Bill served as an officer in the U.S. Army and is married with two children. His hobbies include boating, biking, running, and travel.

Carl Bailey joined Commonwealth Financial Network in 2002 as a registered securities principal and investment advisor representative. After a short tenure as Duracell?s sales manager for New York City, Carl joined the investment industry in 1979. After three years in the brokerage division of Connecticut General, he made the decision to become an investment advisor representative grounded in one theory: if he continued to service people properly, conducted his business in a knowledgeable manner, and had no conflicts of interest, his clients would never have a reason to leave. Since co-founding Bailey and Beatty in Danbury, Connecticut, in 1982, Carl has retained more than 95 percent of his clients and has grown his business, based solely on referrals. When Carl is not in his office forging client relationships, he is an active member of his community, raising money for underprivileged children. Carl has been involved in the United Way of Northern Fairfield County (UWNFC) for 15 years, has served on the organization?s board of directors for seven years, and currently serves as the board?s secretary. In 2001, he chaired the organization?s year-long campaign to raise awareness of the most pressing needs in the community and to raise funds to attack their root causes. He is also the keynote speaker at many UWNFC fundraising events. Additionally, Carl works with a local nonprofit tennis program, Danbury Grassroots Tennis, which teaches tennis to inner city children. Carl has played competitive tennis for the past 31 years?he is a former member of the Fairfield University tennis team and is a current player on two United States Tennis Association (USTA) teams. Recently, Danbury Grassroots Tennis joined forces with the USTA. As a result, more than 200 children get tennis lessons from local pros, tutoring in school work, and guidance from nutritionists in healthy living. After turning 45, Carl made a decision that every year in his life he would travel to a country where he?s never been. This has included going to the 2004 Olympics in Athens, spending eight days in Iceland hiking and biking, and climbing Mt. Chirripo in Costa Rica. Most recently, Carl extended his goodwill beyond his local community and spent two-and-half weeks living in the barrios of Managua, Nicaragua. He divided each day among three goals?educating himself about the city and its needs, interacting with the local people, and looking for solutions to their problems. He quickly learned that the conditions are infinitely worse than he had expected. In addition to dire poverty and depressing living conditions, abuse and crime?especially against women?are everyday realities. At the request of the women in the barrios, Carl has provided, for one year, the full-time services of a psychiatrist to offer support to the women and children who have been sexually abused. After visiting a 1,300-student grammar school that had one barely-working computer, Carl coordinated the purchase of 30 new computers, equipped with Internet access and outfitted with Rosetta Stone English packages (i.e., programs for learning English as a second language). For the cultural center in another barrio, he supplied sewing machines to allow the women to make clothing, as well as a photocopier for the staff. In addition, Carl commissioned the construction of a school library (along with furnishing more than 2200 books) to assist in educating the 800 children who attend the school. His current project is overseeing the construction and development of a playground, gymnasium, and soccer field for this school. Since his return to the United States, Carl continues to operate a thriving financial planning practice, built upon his core values of trustworthiness, high ethical standards, integrity, and compassion. Meanwhile, his volunteer efforts move forward with renewed appreciation for his ability to give where he sees such great need.

Dave came to Commonwealth in 1991, serving as one of three traders responsible for handling all trading and servicing of our advisors? client accounts. Today, Dave is the principal responsible for leading Commonwealth?s Technology department. This includes software development, technology infrastructure, Web services, the Rep Tech HelpDesk, and advisor- and client-facing Internet-based applications. He also maintains a role in overseeing Commonwealth?s brokerage operations, which includes the Account Services team and the Trade Desk. Prior to joining Commonwealth, Dave traded for Fidelity, J.T. Moran, and R.G. Dickinson & Co. He graduated from the University of Massachusetts Amherst in 1986 with a BA in Economics. He holds NASD Series 4, 6, 7, 24, 53, 55, 63, and 65 securities licenses. Dave is married and has three young children. An energetic sort, he can be spotted in his off hours playing hockey, softball, or golf or riding his Harley.

Debra Brede is a registered securities principal of Commonwealth Financial Network (Commonwealth) and an independent Registered Investment Advisor. Debra entered the financial services industry in 1980 as a sales assistant with Shearson Lehman Brothers; she quickly rose through the ranks to become second vice president of operations. In the mid-'80s, she completed Shearson's broker training program and subsequently joined Prudential Bache as a vice president of investments. In 1989, Debra formed D.K. Brede Investment Management Company and joined the Commonwealth community. Her firm delivers investment management services to corporations, municipalities, retirement plan trusts, charitable trusts, and high-net-worth individuals. In March 2006, Boston Magazine named Debra one of the top 20 high-end investment managers in the Boston area; in June 2006, Barron's named her one of the Top 100 Women Financial Advisors in the country. Debra is an active member of her community. In addition to gifting 10 percent of her gross revenues to charity annually, she reaches out to those who are less fortunate in Boston, Africa, and India. Debra believes, "God gives you wisdom when you ask him for it. That is the root of my success." Debra also serves on the Board of Trustees for the Boston Rescue Mission, an organization dedicated to helping homeless and poverty-stricken people. She also serves on the Board of Trustees of Agape International, an organization chartered to provide home, food, and love to the poorest of the poor children in India who are suffering from HIV/AIDS. When turning 50, Debra felt compelled to go beyond the financial support she had been providing for so many years. With her husband, two children, and a group of 70 volunteers, she traveled to Kenya to help build an orphanage. Debra's husband, a practicing dentist, worked on the medical mission team, while she and her children spent time with the orphans and worked together to construct the orphanage complete with new beds and school desks. "It was the most heart-breaking two weeks I have ever lived through. I cried myself to sleep the first week, as did my daughter," recalls Debra. One of her most memorable days in Africa was the day she arrived. As she walked into the orphanage, about 80 children gathered around to sing "Happy Birthday". The head master of the orphanage explained that there had been another woman named Deborah who had come there the year before and who had told the orphans that she would come back to build them a schoolhouse. The children had not forgotten her promise, but the woman never returned. The head master said that the kids believed that God had chosen to send a new Debra. In 2007, Debra plans a trip to India to help build another orphanage. Debra has also served on the System Advisory Board of the Boston Stock Exchange and was chairman of the District Economic Education Committee for the Security Industry Association. This committee developed a game to teach children about the stock market; it is now played in high schools and colleges throughout the U.S. Debra lives in Wellesley, Massachusetts, with her husband and their two children.

Dennis has been involved in the Insurance, Financial Planning, Investments, Real Estate, Business Coaching, Accounting and Tax business since 1973. He founded the Dennis A. McCurdy Insurance Agency in January 1975, and Dennis A. McCurdy & Associates in 1987. He holds an Insurance Broker license. In 1985, he became a Certified Insurance Counselor (CIC). Dennis is also a Registered Representative, Investment Advisor Representative with NASD and Commonwealth Financial Network, having earned his Series 7 Securities License from NASD in 1988. Dennis received his Certified Financial Planner (CFP) designation in 1990. Dennis is a member of the Independent Agents of America, The Society of Certified Insurance Counselors and the Society of Certified Financial Planners and The National Association of Tax Professionals, and a Vietnam Veteran. Dennis is President of Village Toastmasters and is a popular motivational and business speaker. He is the author of the book "Find A Way: A Guide to Getting the Most out of Life."

John Ledford joined Commonwealth Financial Network in 2001 as an Investment Adviser Representative and CERTIFIED FINANCIAL PLANNER? professional. He is the president of Ledford Financial, which predominantly serves business owners and entrepreneurs in the Orlando, Florida, area. In January 2008, John was named one of Orlando?s Most Successful Financial Planners by Orlando Magazine, and in June 2008, he was named the Socially Responsible Advisor of the Year by Boomer Market Advisor magazine. In addition to operating a thriving financial consulting practice, John has set out to share his success with business owners in developing countries. Initially, John connected with entrepreneurs in need of financial loans through Kiva (www.kiva.org), a micro-lending website allowing individuals to lend directly to entrepreneurs in the developing world. In 2007, John established a formal program with Ledford Financial in which 1 percent of monthly revenues would be allocated to business owners featured on Kiva. As his passion for lending money grew, John established his own organization, Change Micro Funding a tax-deductable micro-lending program. In order to learn more about the needs of entrepreneurs in the developing world, John traveled to the Dominican Republic with HOPE International, a nonprofit organization focused on poverty alleviation through micro-enterprise. John met with banks that support micro funds, as well as with several local business owners in need of loans. He also had the opportunity to see firsthand how loans given through HOPE and other micro-lending programs have positively affected individuals and communities.

Judy L. Redpath specializes in working with small business owners, individuals and families who desire a long, financially secure life. Her business focus is on the accumulation, distribution, preservation and transfer of wealth. Judy's work with businesses includes business continuity planning, retirement/pension planning, employee and executive benefits planning. Judy received her BA in French and an MA in West European Studies from Indiana University, Bloomington, Indiana. Judy earned her MBA at George Mason University in Fairfax, VA. Following successful careers as a management consultant and in the high tech industry, she started her business in 1996, and became a CERTIFIED FINANCIAL PLANNER practitioner in 1999. In October 2006, Judy formed VISTA Wealth Strategies in order to provide a comprehensive and truly independent approach to financial planning* and wealth management*. She is also an Investment Adviser Representative of Commonwealth Financial Network, Member FINRA/SIPC. Judy is past president of the National Capital Area Chapter of the Financial Planning Association, on the Board of Directors of the Greater Reston Chamber of Commerce, past President of the Dulles Rotary Club, a member of the Herndon Rotary Club, an alumna of the Leadership Fairfax, Inc. Class of 2003, and a member of the Dulles Regional Chamber of Commerce. Judy has been quoted in The Washington Post and appeared on local television and radio shows discussing current financial planning issues. She was the 2007 recipient of the FPA National Capital Area's Norma Severns Leadership Award and is a 2008 Best of Reston awardee. Judy has been an avid and active supporter of local charitable and community causes, serving as Co-Chair of the Best of Reston planning committee, participating in Team in Training and Light the Night for the Leukemia & Lymphoma Society, collecting children's books to advance literacy in the Herndon, VA area and serving as a judge for George Mason University's School of Management Capstone Business Competition for graduating seniors. Judy was born and raised in Denver, Colorado, and maintains her love of the West. She has lived in Northern Virginia for most of her adult life, and resides in the Herndon/Reston area. In her free time, Judy enjoys traveling, music, cooking, the arts, photography, reading, playing bridge, all things nature, and watching college basketball.

Mark began his career in financial services in 1994. His commitment to building lifetime relationships allows Mark the opportunity to develop a complete plan that addresses the financial needs of each of his clients' stage of life. Mark's mission is to help each of his clients "walk the path" to a successful financial future. Mark is a member of The Blue Chip Group of The National Association of Insurance and Financial Advisors (NAIFA), formerly National Association of Life Underwriters (NALU). Mark is a Registered Representative and an Investment Advisor Representative of MML Investors Services, Inc. Mark is committed to the development of children. In his free time, Mark is a three-season athletic volunteer in Dublin, coaching football, basketball, and soccer teams with Dublin Youth Athletics. In addition, he and his wife are strong supporters of The Pleasure Guild of Children's Hospital, a non-profit organization. Mark and his wife Cathy are Wittenberg University graduates. They live in Dublin with their four children. Mark Stoneburner is a Registered Representative offering securities, investment advisory and financial planning services through MML Investors Services, Inc., Member SIPC. Supervisory Office: 300 E. Business Way, Suite 390, Cincinnati, Ohio 45241, (513) 579-8555. Stoneburner & Frank Wealth Management Group, Ltd. is not an affiliate or subsidary of MML Investors Services, Inc.

Stephen has provided investment and insurance services to clients for more than twelve years. Specializing in the areas of retirement planning and business continuation programs, Stephen's broad-based investment knowledge and experience have enabled him to help meet the financial needs of a very diverse clientele. Stephen received the General Agents and Management Association's (GAMA) New Agent of Year award in 1988 for his first year in the industry. He also received The National Association of Insurance and Financial Advisors (NAIFA), formerly National Association of Life Underwriters (NALU), National Quality Award in 1988 and 1992. Stephen was a qualifying member of the Million Dollar Roundtable (MDRT) in 1998. Stephen is a member of The National Association of Insurance and Financial Advisors (NAIFA), Columbus Association of Insurance and Financial Advisors (CAIFA), and Society of Financial Service Professionals. He is an Investment Adviser Representative of MML Investors Services, Inc.

Vance has over fifteen years of success in financial services. As an AIF designee, Vance is held to a higher standard when it comes to providing objective financial advice. He holds FINRA securities licenses Series 7, 9/10, 26, 31 and 66 securites licences as an Investment Adviser Representative of Commonwealth Financial Network, Member FINRA; and California Life and Property and Casualty Insurance licenses. Prior to founding a branch office of Commonwealth Financial Network in Palm Desert, California, Vance was Vice President of Investments for Fleet Securities and Manager of Financial Services with Prudential Financial, positions that afforded him a broad range of experience with financial issues, including asset management, investment portfolio design, and wealth preservation. At home, Vance enjoys spending time with his wife, Mireya, and his children, Jacob and Shaunae. He is also an avid tennis player. Vance talks about a variety of financial topics

Bill Bryan is a Certified Financial Planner tm Professional and is an Investment Adviser Representative of Commonwealth Financial Network, Member FINRA, a Registered Investment Adviser. He has been a life-long investor and a licensed professional Financial Adviser for over three years. He holds the FINRA Securities Licenses Series 7 and 66, California Life, Health and Annuities Insurance Licenses and is a California Notary Public. Prior to joining Commonwealth Financial Network Bill was a Financial Planner with Waddell & Reed Financial advisers. Mr. Bryan entered the financial services industry after completing a distinguished 30 year military career with the U.S. Army, where he rose to lead a 350-person command with an annual budget of $20 million. He was decorated for his service in Vietnam and Desert Storm and retired as a Colonel. Bill earned his MBA from Cal State San Bernardino and of College of the Desert where he teaches accounting. Bill believes that good financial planning begins with absolute integrity and combines outstanding product knowledge and reliable customer service. He enjoys working with clients to satisfy all of their financial needs and to implement a plan for a financial success. In his spare time Bill enjoys playing golf and teaching accounting at College of the Desert, where he is an Adjunct Faculty Member. He and wife Nancy make their home in La Quinta, which they share with their two Australian Sheppards, Spanky and Skipper.

Curt serves as an exemplary role model for his clients, constantly reviewing his priorities to make sure they're in order. He defines his success not only in gross income and net worth, but also by the number of days he takes off to enjoy life. His well-balanced lifestyle includes an ample amount of quality time spent with his wife, Terri, and his 15-year-old son, Joe. "Early in our relationship, Terri promised that she'd whisk me away at least four times a year," says Curt. "It started with weekend trips, and now we get away several times a year for a week to 10 days at a time." Sharing an interest in martial arts and an active lifestyle, Curt's son Joe has become accomplished in Tae Kwon Do and recently obtained his scuba diving certification. A dedicated father, Curt often capitalizes on his own circumstances to provide Joe with educational opportunities. This could be anything from bringing him along to meet interesting professional acquaintances, inviting him to a lecture at the Honors College, or even arranging for Joe to be an observer while his father undergoes an outpatient medical procedure. Clearly, Curt Francisco enjoys life and derives great satisfaction from helping others find success and happiness. His compassion is evident by the patience, respect, and care he shows to everyone, whether he or she is a client, friend, family member, or employee. For a man who tells his clients, "Your success is my success," it's quite obvious that Curt has found his calling.