Handford Financial Strategies was founded in 2002 by Kevin and Jennifer Handford.

  After working with a

nation-wide investment and insurance firm for the twelve years prior, Kevin and Jennifer felt the need to
branch out on their own so that they could advise clients in a truly non-proprietary, objective, and
independent manner. With a mission to provide above-board service, Kevin and Jennifer strive to improve
the quality of life for each client by helping them achieve their financial goals.  Handford Financial
Strategies chose to partner with Commonwealth Financial Network ®, nine-time recipient ofInvestment
Advisor magazine's prestigious Broker/Dealer of the Year award,* and a truly independent Broker/Dealer. 
As Commonwealth is independent, so is Handford Financial Strategies, allowing Kevin and Jennifer to act
solely in the clients' best interest, without bias and without pressure, to promote a particular product or
strategy.

Kevin and Jennifer are Investment Adviser Representatives with/and offer securities and advisory
services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment
Adviser. Their practice is located at 5451 Rosehaven Court in Warrenton, Virginia 20187. They can be
reached at (540) 349-0700.

Jennifer Handford - Jennifer earned her B.S. and M.S. from Portland State
University in 1993 and 1995. She holds FINRA Series 7, 63, and 65 securities
registrations as Registered Representative and Investment Adviser
Representative of Commonwealth Financial Network ®, Member FINRA and a
Registered Investment Adviser. She is a member of the Financial Services
Institute. As well, Jennifer holds her Life and Health Insurance License.

Jennifer is knowledgeable in the areas of estate planning and is routinely

involved with the legal aspects of planning, as well as the probate and
administration of clients' estates. She helps clients with issues regarding
restricted stock, Rule 144, and the exercise of employee stock options.

Kevin Handford, CFP®, ChFC®, CFS®, AIF® - Kevin earned his Economics

degree from Virginia Military Institute in 1990 and has 21 years of financial
industry experience.

CERTIFIED FINANCIAL PLANNER TM - College for Financial Planning

CFP® Certification Requirements

Education - CFP®
professionals must develop their theoretical and practical financial planning
knowledge by completing a comprehensive course of study at a college or
university offering a financial planning curriculum approved by the CFP Board.

Examination - CFP® practitioners must pass a comprehensive, two-day, 10-hour CFP Certification

Examination that tests their ability to apply financial planning knowledge in an integrated format. Based on
regular research of what planners do, the exam covers the financial planning process, tax planning,
employee benefits and retirement planning, estate planning, investment management, and insurance.

Experience - CFP® professionals must have a minimum of three years' experience in the financial
planning process prior to earning the right to use the CFP ® certification. As a result, CFP® practitioners
possess financial counseling skills in addition to financial planning knowledge.
*Commonwealth was named the top broker/dealer in its division in 1991, 1992, 1994, 1996, 1997, 1998,
1999, 2001, 2002, and 2005. This is based on financial advisors rating their own broker/dealers for
service.

Ethics - As a final step to certification, CFP® practitioners agree to abide by a strict code of professional
conduct, known as the CFP Board's Code of Ethics and Professional Responsibility, which sets forth their
ethical responsibilities to the public, clients, and employers. The CFP Board also performs a background
check during this process, and each candidate for CFP ® certification must disclose any investigations or
legal proceedings related to his or her professional or business conduct.

Chartered Financial Consultant (ChFC®) - The American College

The Chartered Financial Consultant (ChFC) designation focuses on the comprehensive financial planning
process as an organized way to collect and analyze information on a client's total financial situation.
Those with the ChFC are experts at identifying and establishing specific financial goals and at
formulating, implementing, and monitoring a comprehensive plan to achieve those goals. The ChFC
program provides financial planners and others in the financial services industry with in-depth knowledge
of the skills needed to perform comprehensive financial planning for their clients. Candidates must meet
prescribed ethical, experiential, and educational mandates to earn the designation.

Certified Fund Specialist (CFS®) - Institute of Business and Finance

The CFS is a certification indicating an individual's expertise in mutual funds and the mutual fund industry.
These individuals advise clients on which mutual funds best suit their particular needs.  The CFS is the
oldest designation in the mutual fund industry training is provided by the Institute of Business & Finance
(IBF) in the form of a 60-hour self-study program. Course topics include, but are not limited to, portfolio
theory, dollar-cost averaging and annuities. The course includes a final exam and an open-book case
study.

Accredited Investment Fiduciary ® (AIF®) - Center for Fiduciary Studies

AIF designees have successfully completed a specialized program on investment fiduciary standards of
care at the Center for Fiduciary Studies. The Center, in association with the University of Pittsburgh
Joseph M. Katz Graduate School of Business, was established in 1999 to provide the investment industry
with the first full-time training and research facility focused exclusively on investment fiduciary
responsibility and portfolio management.

Designees have passed a comprehensive examination on the 27 Prudent Investment Practices that

formed the basis of their training.  Designees are also required to strictly adhere to continuing
professional education requirements, which aids them in staying abreast of recent events in the industry
that are affecting every fiduciary.

The 27 Practices that designees follow have been derived from interpretations of legislation, case law,
and regulatory opinion letters that govern the fiduciary.  Prudent Investment Practices, the published
handbook that describes these practices, was co-produced by the Center and the American Institute of
Certified Public Accountants (AICPA).  Each of the  27 Practices also makes good investment sense, and
utilizing the process they define should help to improve long-term investment performance.   
VALUE INVESTING PROGRAM - Columbia Business School Executive Education

The program builds on the seminal work of Professors Graham and Dodd that was later expanded by
renowned Professor Bruce Greenwald as an approach of allocating capital.
The program teaches quantitative valuation techniques, such as arbitrage, asset-based approaches and
the earning power method.  Attendees effectively combine those tools with strategic methodologies for
estimating franchise value.  Value Investing is celebrated and practiced by investors worldwide including
Columbia Business School graduate Warren Buffett.

MEMBER ORGANIZATIONS:

Financial Planning Association (FPA)

The Financial Planning Association® (FPA®) is a leadership and advocacy organization connecting those
who provide, support and benefit from professional financial planning.  FPA is the Heart of Financial
Planning™ and represents a promise of financial well-being, hoping to create a world where everyone
thrives and prospers.

Based in Denver, Colo., FPA has 96 chapters throughout the United States representing more than
25,000 members involved in all facets of providing financial planning services. Working in alliance with
academic leaders, legislative and regulatory bodies, financial services firms and consumer interest
organizations, FPA is the premier resource for the public to find a financial planner who will deliver advice
using an ethical, objective, client-centered process.

Financial Services Institute (FSI)

Founded in 2004, FSI is the only advocacy organization working on behalf of independent broker-dealers
and independent financial advisors.
 
The vision of FSI is for all individuals to have access to competent and affordable financial advice,
products, and services delivered by a growing network of independent financial advisors affiliated with
independent financial services firms.  FSI's mission is to create a healthier regulatory environment for
independent broker-dealers and their affiliated independent financial advisors through aggressive and
effective advocacy, education, and public awareness.  Its strategy supports our vision and mission
through robust involvement in FINRA governance, constructive engagement in the regulatory process,
and effective influence on the legislative process.  

The Handfords have written articles in professional journals and publications on numerous wealth
preservation issues, and have spoken frequently on estate, tax, investment, and retirement matters.

The Handfords have close relationships with top attorneys and accountants in the D.C. Metropolitan area.
Specifically, they work closely with a top estate attorney who is frequently cited in the Wall Street Journal
and New York Times, as he is an expert in charitable planning as it relates to the creation of foundations.