About Personal Choice Financial Advisors, LLC

We believe that, more than almost any other factor, investment success is determined by the Investor's own reactions to extreme capital market conditions, positive as well as negative. We believe our greatest value to our clients is to help them learn appropriate responses to such extremes. We believe that investment selection and asset allocation are important, but are secondary considerations. We are often our client's most trusted advisors. We have over 50 years of combined experience helping people realize their life goals in the areas of retirement and estate planning, as well as asset management. We are compensated on a fee-only basis as our only source of revenue. There are no other hidden charges or "soft dollar" arrangements. A full disclosure document will be given to you at your first appointment, or upon your request prior to an appointment. We are independent. As our client you employ us directly. We answer only to you. You are the center of our professional universe. Your needs and goals are our only concern.

General Information Years of Experience in Financial Services:    34 CRD#:    725753 Firm CRD#:    110384 States Licensed in:    OH, IN, KY , TX, FL Name of Custodial Firm:    Charles Schwab & Co, Inc. Number of Years with Current Firm:    12 Name of Broker/Dealer:    We are independent and regulated by State of Ohio Securities Department States Willing to do Business in:    National Advisory Services Provided:    Financial Advice & Consulting

Qualifications & Memberships Certifications, Accreditations & Designations:    NSSA-Certified Social Security Consultant Securities Licenses:    Series 6, Series 7, Series 63, Series 65

Firm Information Assets Managed by Firm:    $85 Million Assets Managed by Advisor:    $78 Million Firm's Number of Clients:    182 Firm's Number of Planning Clients:    125 Firm's Number of Managed Clients:    178

Compliance Criminal Disclosures in Last 5 years:    Have a clean record Compliance Disclosures in Last 5 years:    Have a clean record Registered Investment Advisor:    Yes Investment Advisor Representative:    Yes

Compensation and Fees Hourly Rate:    n/a Additional Details on Charges:    Sliding scale fee. 1% up to $1Million + ½% over $1Million to $3 million + ¼% over $3 million. Fee covers all services. Compensation Methods:    Based on Assets Minimum Fee Charged for Managed Accounts:    no minimum Fee Structure:    Fee-Only Minimum Fee Charged for Hourly Planning Accounts:    n/a

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	Why should I choose you as my financial advisor?

Q.	How do you charge for your services?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

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Q.	Do you have a customer satisfaction or refund policy?
Yes. Our quarterly fee will be refunded, prorated to the date of termination of an account. We are employed directly by you on a quarter to quarter basis. There is no long term contract. We work very hard to continue to earn your trust.

Q.	What are your qualifications? What is your education background?
First to understand client's goals and risk profile, utilize sophisticated planning software to organize and prioritize the use of financial resources. Recommend use of legal and accounting services as necessary.

Q.	How are you compensated? How will I pay for your services?
We manage approximately $85 million for over 175 individual clients and their families.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
My business partner, Christopher H. Hansen, and I, each have advisory agreements with our own clients. However, both of us are always available to all clients in the event one of us is not immediately available.

Q.	How many clients do you currently manage?
We are paid by you on a "Fee-only" arrangement on a sliding scale of 1% or less, depending on the amount of assets we manage for you.

Q.	Will you be the only person working with me?
We typically manage on a discretionary basis, meaning you agree in writing that we will manage your account in line with your objectives and risk profile without having to consult with you on each buy or sell decision.

Q.	Do you offer any guaranteed results?
Securities regulations forbid guarantees of any sort

Q.	How much risk should I be willing to take?
We do our best to understand your financial and personal preferences and to design an investment approach that is appropriate for your needs and goals.

Q.	Have you ever been charged with any breaches?
Our profile is publicly available on the FINRA website. We have had no breaches of any kind.

Q.	What is your approach to financial planning?
We are paid by you on a "Fee-only" arrangement on a sliding scale of 1% or less, depending on the amount of assets we manage for you.

Q.	What services do you offer?
The best and most important reason is TRUST. We strive to be your most trusted advisor and are often considered by many of our clients to be their most important advisor.

Q.	Why should I choose you as my financial advisor?
Graduated cum laude UC College Science & Engineering. 1980-84 -Financial planner. !984-1994 - Stockbroker with a major brokerage firm. 1994 to present Independent Financial Advisor.

Q.	How do you charge for your services?
Financial, estate and retirement planning. Most importantly, helping our clients learn to react appropriately to market extremes.

Q.	What services do you provide? What are your specialties?
Financial, estate and retirement planning. Most importantly, being a good listener!

Q.	What is your experience? How many clients do you currently manage?
We manage approximately $85 million for over 175 individual clients and their families.

Q.	What financial institution(s) do you represent?
We are independent and represent only our clients.