Brouillette Insurance and Financial Services

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/5822/biafssmall.JPG" alt="Brouillette Insurance and Financial Services" height="162" width="242" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Your Trusted Financial Professional</b> <br> <br>4501 Minnetonka Blvd. #200 <br>St. Louis Park, MN 55416 <br>Phone: (612)435-0031 <br>FAX: (612)435-0030 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email: <br> <a href="mailto:david@biafservices.com"> david@biafservices.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"> </p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"></span></p> <p><span style="FONT-SIZE: 12pt; FONT-FAMILY: 'times new roman'; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 'times new roman'; mso-ansi-language: en-us; mso-fareast-language: en-us; mso-bidi-language: ar-sa"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">My name is David Brouillette.<span style="mso-spacerun: yes"> </span>Welcome to our web site.</span></span></span></p> <p><span style="FONT-SIZE: 12pt; FONT-FAMILY: 'times new roman'; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 'times new roman'; mso-ansi-language: en-us; mso-fareast-language: en-us; mso-bidi-language: ar-sa"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">N</span></span></span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 'times new roman'; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: 'times new roman'; mso-ansi-language: en-us; mso-fareast-language: en-us; mso-bidi-language: ar-sa"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">ow is a great time to review your finances to determine what you can do to improve your financial situation.</span><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"> As always we would like to encourage you to schedule a meeting to review your financial plan.<o:p></o:p></span></span></span> </p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"><o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">Since the beginning of my working career I have realized the value of service and hard work.<span style="mso-spacerun: yes"> </span>I began working in a family owned, independent insurance agency, a business that was started in 1958 by my grandfather.<span style="mso-spacerun: yes"> </span>They represented the products of multiple companies and provided their customers with the best products available.<span style="mso-spacerun: yes"> </span>My grandfather groomed the agency into a very reputable, growing business. Since my father has managed the agency, the business has nearly doubled in size.<span style="mso-spacerun: yes"> </span>The reason I believe this has occurred is that my father believes that knowledge, and customer service are essential ingredients to the success of the agency.<span style="mso-spacerun: yes"> </span>Today, they are one of the largest independent insurance agencies in Minnesota.<span style="mso-spacerun: yes"> </span><o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"> <o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">When I began my career as a Financial Advisor, I employed the same principals as my grandfather and father have in the past.<span style="mso-spacerun: yes"> </span>My belief is that I need to provide my clients with the best service, along with independent and objective advice.<span style="mso-spacerun: yes"> </span>In order to do this I need to continually educate myself.<span style="mso-spacerun: yes"> </span>As our business grows I still incorporate these same principals.<span style="mso-spacerun: yes"> </span>My mission has always been:<o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"> <o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong><em><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">To have a professional business of service, education, and wealth building for my clientele through knowledge, innovation, and expertise in the financial world.<span style="mso-spacerun: yes"> </span>In short, to be a trusted advisor to all my clients, prospects, and friends.<span style="mso-spacerun: yes"> </span><o:p></o:p></span></em></strong></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"> <o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">In 1997 my father and I merged our business to provide our clients the best service, along with the independent advice in both the insurance and financial business.<span style="mso-spacerun: yes"> </span>The creation of this business has been a win-win solution for our businesses, and for our clients.<o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"> <o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">In order to stay on top of my field and develop my professional skills over my career, I’ve regularly attended industry training, workshops, and certification programs.<span style="mso-spacerun: yes"> </span>My education, experience, and professional affiliations have fostered my practical approach to offering financial advice and planning services to my clients.<span style="mso-spacerun: yes"> </span>Rather than just recommending a hodgepodge of unrelated products, first I will consider your specific financial goals and investment objectives.<span style="mso-spacerun: yes"> </span>Working together, we’ll formulate a strategy to help you achieve your goals.<span style="mso-spacerun: yes"> </span>Then, as a Financial Advisor, I will recommend products and services to help you execute your strategy.<o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"> <o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">Maintaining a strong sense of community and a solid professional foundation are very important to me.<span style="mso-spacerun: yes"> </span>My community activities and professional affiliations include:</span></p> <ul> <li> <div class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">Board Member of the Randy Shaver Golf Fundraiser for Cancer Research</span></div> </li> <li> <div class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"></span><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">Past Member of the St. Cloud State University Board</span></div> </li> <li> <div class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"></span><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">Chair of the St. Cloud State University Charity Golf Tournament </span></div> </li> <li> <div class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"></span><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">Fundraising for Tamarisk Organization – Tamarisk cares for Terminally Ill</span></div> </li> <li> <div class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"></span><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">Fundraising for the Boy Scouts of America</span></div> </li> <li> <div class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"></span><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">Sponsor of Ducks Unlimited</span></div> </li> <li> <div class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"></span><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">Sponsor of Pheasants Forever <o:p></o:p></span></div> </li> </ul> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt"><o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="FONT-SIZE: 12pt; mso-bidi-font-size: 10.0pt">We constantly update the articles, and activities on our Website.<span style="mso-spacerun: yes"> </span>In addition, we post our seminar schedule on the site.<span style="mso-spacerun: yes"> </span>We hope you will bookmark our website and visit it often.<span style="mso-spacerun: yes"> </span>We have also provided links to some of our partners we work with during the planning process.<span style="mso-spacerun: yes"> </span>Please feel free to call, or e-mail me with any questions you have, or to schedule a meeting.<span style="mso-spacerun: yes"> </span>Thanks for visiting!<o:p></o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"> </p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/9/TA1_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/9/TA1_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/9/TA1_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=134" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">IRA Eligibility</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to determine whether you qualify for the different types of IRAs.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=125" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Cash Flow Analysis</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This Cash Flow Analysis form will help you weigh your income vs. your expenses.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=124" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Life Expectancy</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Knowing your likely life expectancy is an important factor in making long-term financial plans.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=133" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Tax-Deferred Savings</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Compare the potential future value of tax-deferred investments to that of taxable investments.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/9/TA1_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1319" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Happy Birthdays?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The road to retirement winds through several birthdays that affect most Americans’ retirement benefits and tax circumstances.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1419" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">What’s in It for You?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The Economic Stimulus Act of 2008 contained favorable provisions that will benefit small business. It appears that the government wants to inspire businesses to spend freely, too.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1321" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Regain Your Individuality</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> When employees leave their jobs, they have a choice to make: they can withdraw the money, leave the money in their former employers’ retirement accounts, or roll the money into another retirement plan.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1267" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">The High Cost of Low Coverage</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The cost of not carrying adequate life insurance could be far more expensive to surviving family members than the cost of the additional premiums.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/9/TA1_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/9/TA1_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>August 20, 2008 @ 05:08 AM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>11,348.55</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 130.84</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 2,384.36</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 32.62</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,266.69</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 11.91</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TNX" target="mondo"><strong>10 Year Treasury Note</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 3.84</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 0.03</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/9/TA1_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/9/TA1_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/9/TA1_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/9/TA1_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/9/TA1_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/9/TA1_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/9/TA1_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/9/TA1_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> </tr></table></div></body></html>