REGULATORY REFERENCES

                  Certified Financial Planner Board of Standards                         

                  1700 Broadway, Suite 2100

                  Denver, CO  80290-2101

                  1-800-487-1497

                  Utah State Division of Occupational and Professional Licensing

                  160 East 300 South, 2nd Floor
                  Salt Lake City, Utah 84111

                  1-801-530-6628

                  Utah Division of Securities
                  160 East 300 South, 2nd Floor
                  Salt Lake City, UT 84111
                  1-801-530-6600

         PROFESSIONAL REFERENCES

                  Financial Planning Association

                  3801 E. Florida Avenue, Suite 708

                  Denver, CO 80210

                  1-800-322-4237

                  National Association of Personal Financial Advisors

                  355 West Dundee Road, Suite 200

                  Buffalo Grove, IL  60089

                  1-888-FEE-ONLY (1-888-333-6659)

                 National Association of Tax Professionals

                  720 Association Drive

                  Appleton, WI 54914-1483

                  1-800-558-3402

                  Social Investment Forum

                 1612 K Street NW, Suite 650

                  Washington, DC  20006

                  1-202-872-5319

                 Toastmasters International
                  23182 Arroyo Vista
                  Rancho Santa Margarita, CA 92688
                  1-949-858-8255

Financial planning and investment advice can only be rendered after delivery of a Form ADV Part II. Independent Financial Solutions LLC is registered with the State of Utah Securities Division.  This web site is not deemed to be a solicitation for advisory services in any state where IFS is not registered or exempt from registration.