Tools:

KMS Financial Services website: www.kms.com - broker/dealer for Journey Tree Financial Planning.

Financial Industry Regulartory Authority website: www.finra.org - provides oversight for investores to ensure tha capital markets are fair. Provides new releases, regulatory notices and much more.

Financial Planning Association website: www.fpanet.org - the primary professional organization for financial planning professionals worldwide, also with resources for individuals interested in obtaining financial planning services.

The New Road Map Foundation: www.newroadmap.org - provides people with practical tools and innovative approaches for managing and mastering basic life challenges (founded by Joe Dominguez and Vicki Robin, co-authors of Your Money or Your Life).

Social Investment Forum website: www.socialinvest.org - a good starting point for those interested in learning about socially responsible investing.

Real Money website: www.realmoney.org - articles with practical tips for aligning your lifestyle, spending and investment choices with your values.

Securities and advisory services offered through KMS Financial Services, Inc.