Howard Raff Financial Advisor Diversified Securities, Inc. 1000 Lakes Drive, Suite 420 West Covina, CA 91790 Phone: 626-919-3456 Fax: 800-365-7749 hraff@divsecs.com

Member: Business & Finance Group Moderator: Pasadena Group Professional Service: Consultant

BUSINESS BIO: Howard Raff is a Financial Advisor with Diversified Securities, Inc., a regional Broker-Dealer with six offices in Southern California and Oregon. Howard focuses on helping profitable small business owners and professionals accumulate money for their Retirement through both Qualified Business Retirement plans and Non-Qualified, vehicles, including Tax-Deferred and Tax-Free investments. Howard’s prior career was a successful twenty-two year run as a solo, Private Practice Podiatrist. Through this experience, while a client of Diversified Securities, Inc., he personally pursued all avenues of Investments for the highly profitable small business owner, designed to minimize current taxes while providing maximum growth that would later provide a substantial income stream in Retirement. He will accept all size accounts for those clients committed to a long-term investment program. He also works with Non-Profit Organizations for investments of their Reserve Funds and Endowments. PERSONAL BIO: Native New Yorker State University of New York, BA, Psychology California College of Podiatric Medicine, Doctor of Podiatric Medicine Wife: Linella Daughter: Micaela (little blond girl in Chef Boyardee commercial) Racquetball Hiking Ballroom dancing