2.    KANSAS STATE COLLEGE
Pittsburg, Kansas
1971-1973,15 Post Graduate Hours toward Master's Degree in Political Science, emphasis on AustralAsian Geopolitics.

3.    ROCKHURST COLLEGE
Kansas City, Missouri
1976-1977, 9 hours Paralegal Program.

4.    AMERICAN COLLEGE
Bryn Mawr, Pennsylvania
1979-2000

Chartered Life Underwriter Designation awarded in 1984.

Chartered Financial Consultant awarded in 2000.

5.    1977-2007, Hundreds of hours of Continuing Education Credits in Insurance, Securities, Banking, and Financial Planning fields for licensing purposes. This does not include credits not received for teaching seminars and courses for various Life Underwriter Associations, Agencies and Companies I have been affiliated with, various Universities, Community Colleges, Professional Business Organizations, and Comnunity Organizations where I have presented lectures and seminars on financial planning topics and other issues of importance to me and to my work, (see community activities section)

Licenses currently held include the following: Insurance—Life and Health.  She is currently licensed  to do business in the following states:  Alabama, Arkansas, Arizona, Kansas, Missouri, and Ohio.

Investment Advisory Services offered through Gradient Advisors, LLC, a Registered Investment Advisor.


PROFESSIONAL HISTORY

1. September, 1977 to Present: President and Founder of Planning Services Associates. Offices have been located in Overland Park, Kansas (1977-1981), Medford, New Jersey (1979-1986), Kansas City, Missouri (1986-1989), Mission, Kansas (1989-1990), Ranier and Olympia, Washington (1989-1991), Camdenton, Missouri (1991-1997), and Warrensburg, Missouri (1997-2006), and Concordia, Missouri (2006-present).

2.    March, 1990 to Present  Chief Financial Officer, Mars Financial, a Research and
Development Company involved in medical and energy related research and applications of related technology.

3.    June, 1990- June, 1992. Chief Financial Officer, Sierra Mountain Enterprises, a
Research and Development Company involved in energy related research and applications of such technology.

4.    March, 1987 to Present: President and Founder of BAF, Unlimited. BAFU is a
seminar company which runs 13 or more seminars relating to all levels of financial and business planning, with emphasis on Charitable Planning currently seen on www.bafunlimited.com

5.    February, 1985- March, 1986: Trust Officer, New Jersey National Bank, Lakewood, New Jersey, helping them build their Business and Estate Planning Division of their Trust Department.

6.    October, 1981-August, 1986: Chairman of the Board and Vice-President of Bove'
and Schnoebelen Associates, Inc., Medford, New Jersey.

7.    May, 1974- September, 1977: Homemaker and Mother! As head of the homemaking
and mothering department of Schnoebelen and Schnoebelen, I was jointly responsible for creating and nurturing two of the brightest and most beautiful young men in history. Consulting on this project has continued for more than 34 years, and will continue, as needed, on an ongoing basis into the unforseeable future!

8.    August, 1971- May, 1974: Head of the Unified Studies Department of Blue Valley
High School, Stanley, Kansas. As head of the department, I was responsible for the development, supervision, and implementation of a new curriculum for the 7th and 8th grade English and Social Studies programs. Our new approach and procedures were studied by numerous teaching colleges and educational publications, and have been implemented in most Kansas school systems, as well as others throughout the Midwest. In Missouri, they are referred to as Applied Learning Techniques.

9.    August, 1969- May, 1971: Unified Studies teacher, Kansas City, Kansas Public
Schools, grades 7 & 8.


PROFESSIONAL ACTIVITIES AND AWARDS:

1.    Masters Forum Platinum, Allianz Life of North America, 2006

2.    Ameritas Acacia Regional Top of The Table, 2005

3.    Kansas City Life President's Club, 1997.

4.    The New England's Leader's Club, 1986 and 1987.

5.    Indianapolis Life Star Producer, 1981,1982,1983. New Agent of the Year, 1981.

6.    New York Life, Star Club (1978), Chairman's Council (1979), President Club (1980).
Apprentice Field Underwriter of the Year, 1978.
Winner of the "Knock on any Door" Award, 1978
Ed McGuire Award for Excellence and Professionalism, 1979.

7.    Co-Founder of New York Life's Women's Network, 1979-1981. Developed to
address affirmative action issues, recruit, retain, and promote women as professionals in management and sales. Recruited and helped train 11 women and 6 men in our agency and hundreds more nationally for other agencies.

8.      Million Dollar Round Table, 1979,1980,1981,1982. Stopped going because practice
had shifted to fee based planning, sale of securities, and more consulting re fringe benefit design, limited self-funded group insurance, and charitable strategies.

9.      Centurion, Million Dollar Round Table, 1979, 1980,1981,1982.

10.    Camden County, New Jersey Life Underwriter's Association Board-Political Action
Committee Chair, 1984-1985.

11.    Insurance Advocate and Board Advisor to both the Good Samaritan Project and Save
Home Foundation in Kansas City, 1986-1990. I also served as a volunteer advocate for PWAs at that time.

12.    American Society of CLU, 1984-Present.

13.    Kansas City Life Underwriter's Association.

14.    Johnson-Wyandotte Counties' Life Underwriter's Association.

15.    Women's Life Underwriter's Association.

16.    Insurance Industry Spokesperson to the Greater Kansas City Aids Hearings, 1989.

15.    Charitable Fund Raising Advisor to Boy Scouts of America, Camp Fire, YMCA, Save
Home Foundation, Good Samaritan Project, Benton County (Arkansas) Women's Shelter, and various other hospitals and universities in communities I've lived in.


OTHER COMMUNITY ACTIVITIES:
1.    Who's Who of Young Professional Women, 1979.

2.    Dimensions Unlimited (Kansas City Women's Network), 1978-1981 and 1986-1988.
Three years on the Board of Directors, two years as Program Committee Co-Chair, Coordinator of the Annual Dinner Program. In conjunction with George Lehr, of the Kansas City Community Response Group, we brought former President Gerald Ford and his son, to Kansas City as speakers that year.

3.    Dimensions Unlimited Management Support Group, 1979-1981.

4.    New Jersey Association of Women Business Owners, Camden County Chapter, Board
of Directors, 1981-1985. Served as Political Action Committee Chair and on the Program Development Committee.

5.    Kappa Alpha Theta Alumnae Association.

6.    Washburn University Alumnae Association.

7.    Parent Advisor, Just Say No Club.

8.    Parent Volunteer Tutor in every school my children ever attended.

9.    Parent Volunteer, Project Literacy US.

10.    Junior High Sponsor of Methodist Youth Fellowships, Overland Park, Kansas.

11.    Nationally known lecturer, writer, and political activist addressing environmental,
affirmative action, educational, minority opportunity, and financial issues.

12.   Member and active volunteer with The Olympus Society (Special Olympics), Builders Fellowship (Habitat For Humanity), Friends of Forensics, Legacy Member of The Nature Conservancy.
 
13.  CoFounder, Circle of Life Foundation, 2000.

14.  Founder, The BAF, Unlimited Foundation, 2006

HOBBIES AND INTERESTS:
1.    Writing: poetry, short stories, editorials, novels, lyrics.

2.    Music: listening to all kinds and playing the piano, clarinet, bass clarinet, bassoon, keyboard, guitar, and mandolin.

3.    Sports: golf, canoing, tennis, bicycling, camping, bridge, animals.

4.    MY CHILDREN AND GRANDCHILDREN*****LAST, BUT NEVER, AND HARDLY, LEAST!!!!!!!!