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Kristin Hetzer began her career in the investment business as an Account Executive with Merrill Lynch & Co in 1982. She is a Chartered Market Technician, Certified Investment Management Analyst and Certified Financial Planner. Ms. Hetzer provides portfolio management services to a diversified group of investors. Her clients include individual investors, trusts, corporations and qualified ERISA retirement plans. Ms. Hetzer's goal is to grow clients' assets over the long term, while protecting the investment capital through strategic asset allocation utilizing a disciplined investment process and methodology. She believes the best way to achieve this objective is by investing in a diversified portfolio of high quality securities. Quality is defined in terms of a strong balance sheet, good cash flow, sound management and competitive position within an industry. Ms. Hetzer has worked for major Wall Street firms for over 22 years. She is an active member of the Market Technician Association and Chair of the Los Angeles MTA Chapter. She is also a member of the Financial Planning Association. In 2005, she formed Royal Palms Capital LLC, an independent Investment Advisory firm. Due to her extensive expertise and thoughtful investment approach, Kristen Hetzer's investment knowledge is sought and referenced frequently. SFO: Stocks, Futures and Options Magazine, August 2009

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