Birks Financial Advisors, L.L.C.

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="left" valign="middle" colspan="3"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b><i>James M. Birks </i><br>Certified Financial Planner<small><sup>TM</sup></small> Professional<br>President<br>Birks Financial Advisors, LLC </b> <br> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p> </p> <p align="center"><span style="font-size: small"><strong>Mission Statement:</strong></span></p> <p style="text-align: center"><span style="font-size: small"><strong>To help families enjoy a lifetime of financial independence and security by providing expert investment and retirement planning advice.</strong></span></p> <p style="text-align: center"> </p> <p style="text-align: left"><strong>The Importance of Financial Independence</strong></p> <p align="left">Financial Independence gives you the security and freedom to spend your last 30-40 years of life pursuing what's most important to you and the ability to live a full life in retirement.</p> <p align="left"><strong>Financial Independence Defined</strong></p> <p>Financial independence, financial security, retirement, enough wealth to last a lifetime, not "having" to work anymore; all these statements often mean the same thing:</p> <ul> <li>Not worrying about money. -and-</li> <li>Being able to do what you want to do, when you want to do it.</li> </ul> <p><strong>The Benefits of Achieving Financial Independence:</strong>  </p> <ul> <li>"Peace of mind about my future."</li> <li>"Lack of worry regarding financial issues."</li> <li>"Financial confidence."</li> <li>"I have someone I can trust to review my situation."</li> <li>"More free time to pursue what's most important to me."</li> </ul> <p align="center"><strong>How Do You Get There? </strong></p> <p>Our <u><a href="section4.cfm">Retirement Roadmap Process</a></u> can provide the "Financial Map" to your Ideal Retirement as well as helping you get answers to your most important retirement questions.</p> <p>Jim Birks is an <a href="section2.cfm#independence">independent</a> <a href="glossary_list.cfm#C">Certified Financial Planner</a>™ Professional and Chartered Retirement Planning Counselor with 18 years of experience. His job is to help you develop a strategy to achieve your financial independence and then monitor and update the plan so you can maintain it. (Learn more. Click <a href="section3.cfm">Client Benefits</a>)</p> <p><strong>Pursue What's Most Important to You and Live a Full Life.</strong></p> <p>Although financial security is important, once it is accomplished the real issues have more to do with how you want to live your life and how your money should support those ambitions - for you, your family, and perhaps your community.  As a certified Financial Life Planner, Jim takes the time to help clients see beyond their initial goal of financial independence to achieve a greater vision of how they can use their wealth to bring more fulfillment and security to their lives, for themselves as well as their families.</p> <p><img style="width: 180px; height: 148px" height="250" alt="" hspace="10" width="250" align="left" vspace="10" border="0" src="/images/college_graduates.jpg" />We offer a process that integrates your financial independence with your vision of personal fulfillment, security and integrity.  The result is not so much a single, rigid, financial solution, but a vital process in which your wealth is always at the service of your life.  It is an experience that is both transforming and affirming.  It is a feeling that goes along with the greatest personal and professional satisfaction you could ever hope to derive from your wealth.  Our clients call this financial wellness.</p> <p> </p> <p><a href="contact_form.cfm">Contact Us for an Appointment</a></p> <p><a href="section7.cfm">Appointment Preparation</a>                   </p> <p align="center"><font face="Arial, helvetica, sans-serif" size="2"> </font></p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA1_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA1_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/A/TA1_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=124" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Life Expectancy</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Knowing your likely life expectancy is an important factor in making long-term financial plans.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=137" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Impact of Inflation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=134" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">IRA Eligibility</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to determine whether you qualify for the different types of IRAs.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=127" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Lifetime Earnings</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator is designed to help you attach a dollar figure to your life’s work.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/A/TA1_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1242" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Tolerating Risk</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Whether you are a conservative investor or an aggressive one, it’s likely there are mutual funds that match your risk tolerance. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1095" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Check Your Credit Score</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Knowing your credit score and understanding its significance are important because the number can directly affect the interest rates you pay for mortgages, car loans, and credit cards.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1338" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">A Grand New Contribution</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> If you were waiting for the day when you could sock away some serious dough in your individual retirement account, the time has arrived.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1378" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Define Your Own Benefits</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Everyone wants to be a happy retiree someday, but there's a big problem. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <div class="flashBrandingElement" style="margin:3px 0 12px 4px;"> <script type="text/javascript"> AC_FL_RunContent('codebase','http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=7,0,19,0','width','215','height','130','src','/graphics/f06_priceless','movie','/graphics/f06_priceless','quality','high','wmode','transparent','pluginspage','http://www.macromedia.com/go/getflashplayer'); </script> <noscript> <object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="215" height="130"> <param name="movie" value="/graphics/f06_priceless.swf" /> <param name="quality" value="high" /> <param name="wmode" value="transparent" /> <embed src="/graphics/f06_priceless.swf" wmode="transparent" quality="high" width="215" height="130" /> </object> </noscript> </div> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/A/TA1_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/A/TA1_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <table align="center" border="0" cellpadding="0" cellspacing="0"> <tr><td><a href="markets.cfm" target="mondo"><img src="/graphics/A/TA1markets.gif" alt="Markets" border="0" width="100" height="44"></a></td> <td><a href="charts.cfm" target="mondo"><img src="/graphics/A/TA1charts.gif" alt="Charts" border="0" width="100" height="44"></a></td></tr> <tr><td><a href="quotes.cfm" target="mondo"><img src="/graphics/A/TA1quotes.gif" alt="Quotes" border="0" width="100" height="44"></a></td> <td><a href="portfolio.cfm" target="mondo"><img src="/graphics/A/TA1portfolio.gif" alt="Portfolio" border="0" width="100" height="44"></a></td></tr> </table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/A/TA1_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/A/TA1_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/A/TA1_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/A/TA1_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/A/TA1_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/A/TA1_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/A/TA1_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/A/TA1_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> </tr></table></div></body></html>