Scott Neal is the president of D. Scott Neal, Inc. He holds MBA and Master of Divinity degrees and has concentrated his service in the areas of estate, retirement and investment planning since 1986. He has been a CPA since 1981, and has been designated a Personal Financial Specialist and a Certified Financial Planner. Scott was recently selected, for the fourth time, as one of the country's best financial advisors for doctors. He is a frequent speaker and writer on financial planning topics. Scott is frequently heard as a financial planning commentator on radio and television. Scott will address questions regarding any aspect of the firm’s services. Call him directly at (800) 344-9098 or reach him by e-mail at scott@dsneal.com. Jerry Zimmerer is Vice-President and Senior Portfolio Manager with D. Scott Neal, Inc. He chairs the investment committee and performs the monthly analysis of the unique mutual fund upgrading strategy employed by the firm. Over the past 30 years, Jerry has acquired a broad base of experience in the financial services industry. While in public accounting, he was exposed to a large variety of clients from diverse industries which provided invaluable insight into the tax and financial planning issues of small business owners and executives. He earned his Bachelor’s Degree from Bellarmine University, where he has also served as a part time faculty member in the past. He has had articles published in Business First and the Courier Journal and has conducted financial planning seminars for businesses and organizations throughout the state. He has generously given back to the local community by serving on numerous boards and committees of not-for-profit organizations. He currently spends his free time with his family of six children and one grandchild and as Scoutmaster for a troop of 50 boys in the Louisville area. He is a CPA and a Certified Financial Planner, a member of the National Association of Personal Financial Advisors (NAPFA), the Financial Planning Association (FPA), the American Institute of CPA’s (AICPA) , and the Kentucky Society of CPA’s. Call him at (800) 344-9098 or reach him by e-mail at jerry@dsneal.com. Richard Coles is a Financial Planner with D. Scott Neal, Inc. Coles will construct and assist with implementation of personal financial plans. Born and educated in England, Coles worked his way up through various back office positions at a stockbroker’s office before ending up as a member of the London Stock Exchange and a dealer on the trading floor. The stockmarket crash in 1987 caused his employer to go out of business and, looking for a job where he could continue to look after people and their savings, Coles entered the world of personal financial advice. Coles learned his trade going through sales training at Barclays Bank and Lloyds Bank in London, but became disillusioned with the hard-sell approach and the lack of true customer focus that existed within large financial organizations. After a year with a Friendly Society (a non-profit in Kent), Coles formed his own financial services practice in January 1998. This practice was successfully run on a fee-basis and expanded to take on an additional adviser and a mortgage advice subsidiary. A firm believer in demonstrating competence in all areas of financial advice, Coles strived to remain a generalist rather than specializing in any particular niche. He passed advanced examinations in taxation and investments, became a licensed pension adviser and acquired the UK Certified Financial Planner license. In November 2003, Richard, his Chicago born wife Vivian, and their three girls relocated to Lexington. Knowing that he did not want to work with any business that put the pursuit of profit before its clients, he actively sought out D. Scott Neal, Inc. as an employer with his fee-only ethos and a great reputation in the community. He is working to expand the practice and bring the benefits of truly impartial financial planning to a wider audience who are all too often used to advisers who are pushing a product. Coles has earned the U.S. Certified Financial Planner status and enjoys meeting and consulting within his new community in Lexington and its environs. He also brings his old world charm, British humor, and a wonderful English accent to the firm. D. Scott Neal, Inc. is a financial planning and investment advisory firm. With points of service in Ohio and Kentucky and the technology to reach around the world, the firm provides objective, independent and comprehensive advice through retirement and investment planning; risk assessment and insurance planning; investment management; budgeting and tax planning strategies. The firm also provides independent, confidential consultation and advice for University of Kentucky employees with their 403(b) and 457 retirement plans. All services are offered on a FEE-ONLY basis. D. Scott Neal, Inc. is a Registered Investment Advisor with the U.S. Securities and Exchange Commission.