| OUR STAFF With our excellent staff, we have been able to consistently accomplish our overriding values. Client Services Associate / Assistant Mina Colman is in charge of ongoing client contact and setting up regular reviews with clients to make sure their goals are foremost in their minds. Mina loves being a Grandma, sewing, tole painting and being involved in church service. Client Services Associate / Assistant Patti Engel works in our securities department and helps to answer clients questions, keeps track of cost basis and double checks our trading. Patti enjoys spending time with her husband and 5 children and attending all of their activities. Call or e-mail Joel D. Andrews for more information or to set up a complimentary consultation. |



| Securities and Advisory Services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC. Joel D. Andrews, LLC is an investment advisory firm located and registered in Colorado. Associated persons of Joel D. Andrews, LLC. are also registered representatives and investment advisor representatives of LPL Financial, a registered broker-dealer and investment advisor. Joel D.Andrews, LLC provides financial planning services only and such services are distinct and separate offering from securities and advisory related services offered through LPL Financial. Securities and advisory services available only to residents of : AZ, CA, CO, FL, HI, ID, IL, IN, KY, MD, MN, MO, NC, NE, NJ, NM, NV, OH, OK, PA, TX, UT, WA, WI, and WY. |