David Frederic Zarling

David Zarling has an ownership interest in Client First Insurance Services, LLC, a licensed insurance agency. If suitable for your needs, you may be referred to Client First Insurance Services, LLC. Additionally, as a result of the ownership interest in Client First Insurance Services, LLC, Mr. Zarling may be paid a salary or be entitled to certain distributions. Therefore a conflict of interest may exist because Mr. Zarling may have an incentive to recommend Client First Insurance Services, LLC to you as a result of his interests in the insurance agency. You are under no obligation, contractually or otherwise, to purchase insurance products through Client First Insurance Services, LLC. David Zarling is Managing Member of Client First Tax Services LLC, a tax preparation company. Mr. Zarling's duties as the Managing Member of Client First Tax Services LLC do not create a conflict of interest to his provision of advisory services through Client First Investment Management LLC.