1st Consultants, Inc.

<body> <table width=100% cellpadding=1 cellspacing=1 style=" font-family:Helv,Verdana,Arial"> <tr><td> <div title=" [SITESECTIONS.CONTENT HOME]"><DIV align=center> <P> <STRONG><FONT style="FONT-SIZE: 18px" size=4>"Financial security doesn't just happen.....</FONT></STRONG> <BR><FONT style="FONT-SIZE: 18px" size=4><STRONG>It's created through  Personal Financial Engineering<FONT style="FONT-SIZE: 10px" size=1><SUP>TM</SUP></FONT>"</STRONG></FONT></P></DIV> <DIV></DIV> <DIV align=center> <P><BR></P> <TABLE cellSpacing=1 cellPadding=1 width="100%" border=0> <TBODY> <TR> <TD vAlign=top width="65%"> <P></P> <P>In a world where <STRONG><FONT color=#000000>"standards of excellence"</FONT></STRONG> no longer seem to be a top priority, one industry leader has always risen above the rest by being dedicated to uphold those virtues, which have been the backbone of their success. </P> <P><FONT color=#000000><FONT color=#000000>We are financial professionals</FONT>, </FONT> we help you get the most out of your money. <BR><STRONG><FONT color=#000000><BR>Our Mission</FONT></STRONG>:  To help you build, protect, and preserve your assets. <BR><STRONG><FONT color=#000000>Our Strategy</FONT></STRONG>:  To help increase cash flow and net worth while minimizing taxes for our clients.  We do this through: </P> <DIV align=center> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><A href="Live/Lea437/me141c.html?SITE.sitesections.show&LPSYNDI159"><STRONG><U>"PERSONAL FINANCIAL ENGINEERING"</U></STRONG></A> </P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"><STRONG><U><A title="a href="Live/Lea437/target=BODY%20name=l5343342151z%20%20%20%20%20%20%20mee4bd.html?site.sitesections.show&lea473168?="" ?=""></A></U></STRONG></P></DIV> <DIV align=left> <DIV align=center> <DIV align=left><FONT class=highlight>  </FONT></DIV> <DIV align=center><FONT class=highlight>  </FONT></DIV> <DIV align=left> </DIV> <DIV align=left> <TABLE cellSpacing=1 cellPadding=1 width="100%" border=0> <TBODY> <TR> <TD>  <DIV align=left> <DIV align=left><FONT color=black><STRONG><FONT class=highlight>1st Consultants, Inc. <BR></FONT></STRONG><STRONG>Thomas W. Young and Assoc. Inc.</STRONG>  </FONT><BR>P.O. Box 39 </DIV> <DIV align=left>Beaver, Pa 15009  </DIV> <DIV align=left></DIV> <DIV align=left> </DIV> <DIV align=left>contact us at: </DIV> <DIV align=left><FONT style="FONT-WEIGHT: bold">phone</FONT> (724)728-6820   </DIV> <DIV align=left><FONT style="FONT-WEIGHT: bold">toll free</FONT> (866) 316-5071   </DIV> <DIV align=left><FONT style="FONT-WEIGHT: bold">fax</FONT>(724)728-8776     </DIV> <DIV align=left><FONT style="FONT-WEIGHT: bold">e-mail </FONT><A href="mailto:twyoung@quixnet.net">twyoung@quixnet.net</A> </DIV></DIV></TD> <TD> <IMG src="Live/Lea437/IMAGES/TWINCTOM/anirainbownew.gif" border=0><STRONG> </STRONG><A style="TEXT-DECORATION: underline" href="Live/Lea437/me7cfb.html?SITE.sitesections.show&LEA473227"><STRONG><FONT style="FONT-SIZE: 12px" size=2>Tips For a Better You</FONT></STRONG></A> <UL> <LI> <DIV align=left><FONT style="FONT-WEIGHT: bold" color=#408080><A title="View recommended books" style="TEXT-DECORATION: underline" href="Live/Lea437/me51b7.html?SITE.sitesections.show&LEA473031">Recommended Reading</A><IMG height=1 src="http://service.bfast.com/bfast/serve?bfmid=2181&sourceid=38480274&categoryid=rn_logo120x30a" width=1 border=0 nosave=""> <A href="http://service.bfast.com/bfast/click?bfmid=2181&sourceid=38480274&categoryid=rn_logo120x30a" target=_blank></A> </FONT></DIV> <LI> <DIV align=left><U><FONT style="FONT-WEIGHT: bold"><A title="Click here to read Newsletters" style="TEXT-DECORATION: underline" href="Live/Lea437/me5187.html?SITE.sitesections.show&LEA473083"><FONT style="FONT-WEIGHT: bold; FONT-FAMILY: Verdana" face="Verdana">Newsletters</FONT></A></FONT></U>  </DIV> <LI> <DIV align=left><U><FONT style="FONT-WEIGHT: bold"><FONT class=highlight><A title="News Articles and Links" href="Live/Lea437/mee363.html?SITE.sitesections.show&LEA473100"><FONT style="FONT-WEIGHT: bold; FONT-FAMILY: Verdana" face="Verdana">News articles & links</FONT></A></FONT></FONT></U> </DIV></LI></UL> <DIV align=left> <P> </P></DIV></TD></TR></TBODY></TABLE></DIV> <DIV align=left><FONT class=highlight>  </FONT></DIV></DIV></DIV></TD> <TD width="1%"> <IMG height=495 src="Live/Lea437/IMAGES/Line.gif" width=30 border=0> </TD> <TD vAlign=top width="34%"> <P></P> <DIV align=center> <P><STRONG><FONT style="FONT-SIZE: 24px" size=5><BLINK><STRONG><FONT style="FONT-SIZE: 24px" color=#ffff00 size=5><BLINK><STRONG><FONT style="FONT-SIZE: 24px" size=5><BLINK><STRONG><FONT style="FONT-SIZE: 24px" color=#edd007 size=5><BLINK>The Book Is Here!!!</BLINK></FONT></STRONG></BLINK></FONT></STRONG></BLINK></FONT></STRONG></BLINK></FONT></STRONG></P> <P><A href="Live/Lea437/me1337.html?SITE.sitesections.show&LEA473238"><FONT style="FONT-SIZE: 16px" size=3>Click to find out more about Tom's book titled<BR>"Life Insurance, Will It Pay When I Die"</FONT></A></P> <P><IMG height=158 src="Live/Lea437/IMAGES/photo2small.jpg" width=125 border=2> </P></DIV> <DIV align=center> <P><A href="Live/Lea437/me8ba4.html?SITE.sitesections.show&LEA473025"><FONT style="FONT-WEIGHT: bold" color=#336699>Thomas W. Young, CLU, RFC, CSA</FONT></A> <FONT style="FONT-SIZE: 16px" size=3><BR></FONT><FONT style="FONT-SIZE: 12px" size=2>"Registered Financial Consultant" <BR>"Human Behavior Consultant" <BR>"Certified Senior Advisor" <BR>"Life Coach" </FONT></P></DIV> <DIV align=center> <P><A href="Live/Lea437/mee38b.html?SITE.sitesections.show&LEA473110"><FONT style="FONT-WEIGHT: bold" color=#336699>~ A letter from Tom Young</FONT></A><FONT style="FONT-WEIGHT: bold" color=#336699> </FONT></P></DIV> <DIV align=left> <P><FONT class=highlight><BR></FONT></P></DIV> <DIV align=center> <P><FONT class=highlight><A title="The New Millennium Store Employee Benefit Program" href="Live/Lea437/mecb13.html?SITE.sitesections.show&LEA473020"><STRONG><IMG height=40 src="Live/Lea437/IMAGES/TomScanIcon.jpg" width=40 border=0></STRONG></A> </FONT></P></DIV> <DIV align=center> <P><FONT class=highlight><STRONG>The New Millennium Store Employee Benefit Program</STRONG> </FONT></P></DIV></TD></TR></TBODY></TABLE><BR><BR></DIV> <DIV align=left>Would you like to know more about the services and products <STRONG><FONT class=highlight>1st Consultants, Inc.</FONT></STRONG> has to offer? </DIV> <DIV align=center> <P><A title="Take your first step toward financial success." href="Live/Lea437/mea341.html?SITE.sitesections.show&LEA473003"><FONT style="FONT-WEIGHT: bold; FONT-FAMILY: Verdana" face="Verdana">Click here to receive more information.</FONT></A> </P> <TABLE cellSpacing=1 cellPadding=1 width="100%" border=0> <TBODY> <TR> <TD align=middle><A href="http://personality-insights.com/Merchant2/merchant.mvc?Screen=SFNT&Store_Code=PIOS&AFFIL=1stconsultants"><IMG src="Live/Lea437/IMAGES/TWINCTOM/PersonalityInsightslogo.gif" border=0></A></TD> <TD>  </TD> <TD>  <A href="http://www.bbb.org/"><IMG alt="Better Business Bureau" src="Live/Lea437/IMAGES/TWINCTOM/BBBLogo.gif" border=0></A> </TD></TR> <TR> <TD> <DIV align=center> <P> <A href="http://personality-insights.com/Merchant2/merchant.mvc?Screen=SFNT&Store_Code=PIOS&AFFIL=1stconsultants">In association with Personality Insights</A> </P></DIV></TD> <TD>  </TD> <TD>  </TD></TR></TBODY></TABLE> <P><FONT style="FONT-SIZE: 10px" size=1>This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your registered representative. Read it carefully before you invest or send money. Insurance and securities products are limited to residents of Pennsylvania, Ohio, Missouri, Arizona, Wisconson, North Carolina, and West Virginia. </FONT><FONT style="FONT-SIZE: 10px" size=1>An agent from 1st Consultants, Inc. will contact you to porvide you with requested information. <BR>Securities offered through <STRONG>Ameritas Investment Corp., Member NASD, SIPC</STRONG>, 206 McKnight Park Dr., Pittsburgh, Pa 15237, 412-931-3900. AIC and 1st Consultants, Inc. are not affiliated. </FONT></P></DIV> <DIV></DIV> <BLOCKQUOTE></BLOCKQUOTE> <BLOCKQUOTE></BLOCKQUOTE> </div> </TD></TR> </table> <table width=100% cellpadding=1 cellspacing=1 style=" font-family:Helv,Verdana,Arial"> <tr><td> <td align=left nowrap valign=top> <a href="javascript:{}" name=LEA473212 onMouseOver='if (activeSection != "LEA473212") {LEA473212.style.color="";};' onMouseOut='if (activeSection != "LEA473212") {LEA473212.style.color="";};' onClick='setActive("LEA473212");resetMainColors();;LEA473212.style.color=""; parent.SUBNAV.location.href="Live/Lea437/mece5f.html?site.sitelayouts.subnav&HOME";parent.BODY.location.href="Live/Lea437/meb3a4.html?site.sitelayouts.body&HOME";;' style="text-decoration: none; " title="Home" >HOME</a></td> <td align=left nowrap valign=top> <a href="javascript:{}" name=LEA473008 onMouseOver='if (activeSection != "LEA473008") {LEA473008.style.color="";};' onMouseOut='if (activeSection != "LEA473008") {LEA473008.style.color="";};' onClick='setActive("LEA473008");resetMainColors();;LEA473008.style.color=""; parent.SUBNAV.location.href="Live/Lea437/me5d70.html?site.sitelayouts.subnav&LEA473008";parent.BODY.location.href="Live/Lea437/me3e7b.html?site.sitelayouts.body&LEA473008";;' style="text-decoration: none; " title="Our Firm" >OUR FIRM</a></td> <td align=left nowrap valign=top> <a href="javascript:{}" name=LEA473002 onMouseOver='if (activeSection != "LEA473002") {LEA473002.style.color="";};' onMouseOut='if (activeSection != "LEA473002") {LEA473002.style.color="";};' onClick='setActive("LEA473002");resetMainColors();;LEA473002.style.color=""; parent.SUBNAV.location.href="Live/Lea437/mecaea.html?site.sitelayouts.subnav&LEA473002";parent.BODY.location.href="Live/Lea437/me1fd4.html?site.sitelayouts.body&LEA473002";;' style="text-decoration: none; " title="Strategy" >STRATEGY</a></td> <td align=left nowrap valign=top> <a href="javascript:{}" name=LEA473016 onMouseOver='if (activeSection != "LEA473016") {LEA473016.style.color="";};' onMouseOut='if (activeSection != "LEA473016") {LEA473016.style.color="";};' onClick='setActive("LEA473016");resetMainColors();;LEA473016.style.color=""; parent.SUBNAV.location.href="Live/Lea437/me80f0.html?site.sitelayouts.subnav&LEA473016";parent.BODY.location.href="Live/Lea437/me1829.html?site.sitelayouts.body&LEA473016";;' style="text-decoration: none; " title="Services" >SERVICES</a></td> <td align=left nowrap valign=top> <a href="javascript:{}" name=LEA473004 onMouseOver='if (activeSection != "LEA473004") {LEA473004.style.color="";};' onMouseOut='if (activeSection != "LEA473004") {LEA473004.style.color="";};' onClick='setActive("LEA473004");resetMainColors();;LEA473004.style.color=""; parent.SUBNAV.location.href="Live/Lea437/me6727.html?site.sitelayouts.subnav&LEA473004";parent.BODY.location.href="Live/Lea437/mec188.html?site.sitelayouts.body&LEA473004";;' style="text-decoration: none; " title="Client Information Center" >CLIENT INFO CENTER</a></td> <td align=left nowrap valign=top> <a href="javascript:{}" name=LEA473017 onMouseOver='if (activeSection != "LEA473017") {LEA473017.style.color="";};' onMouseOut='if (activeSection != "LEA473017") {LEA473017.style.color="";};' onClick='setActive("LEA473017");resetMainColors();;LEA473017.style.color=""; parent.SUBNAV.location.href="Live/Lea437/me2d25.html?site.sitelayouts.subnav&LEA473017";parent.BODY.location.href="Live/Lea437/me4ff2.html?site.sitelayouts.body&LEA473017";;' style="text-decoration: none; " title="Career Opportunities" >CAREER OPPORTUNITIES</a></td> û <script language=javascript> function resetMainColors() { LEA473212.style.color=""; LEA473008.style.color=""; LEA473002.style.color=""; LEA473016.style.color=""; LEA473004.style.color=""; LEA473017.style.color=""; } function ResetImages() { } var activeSection function setActive(section) { activeSection = section } </SCRIPT> <p>   <br> <div align=left> <table width=168 cellpadding=2 cellspacing=2 style=" font-family:Helv,Verdana,Arial"> <tr> <td width=20 valign=top align=right> </TD> <td valign=top align=left> <font size="1" color="#336699"><a href="Live/Lea437/me9750.html?SITE.sitelayouts.body&LEA473129&PARENT=HOME" name=LEA473129 onMouseOver='if (activeSection != "LEA473129") {LEA473129.style.color="#800040";};' onMouseOut='if (activeSection != "LEA473129") {LEA473129.style.color="#336699";};' onClick='resetColors("LEA473129");LEA473129.style.color="#800040";;' style="color: #336699; font-weight:bold; text-decoration: none; " title="A new approach to Financial Truth" target="BODY">A New Idea! 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font-weight:bold; text-decoration: none; " title="Tax Information" target="BODY">Tax Information</a></font> </TD> </TR> <tr> <td width=20 valign=top align=right> </TD> <td valign=top align=left> <font size="1" color="#336699"><a href="Live/Lea437/me27c6.html?SITE.sitelayouts.body&LEA473103&PARENT=HOME" name=LEA473103 onMouseOver='if (activeSection != "LEA473103") {LEA473103.style.color="#800040";};' onMouseOut='if (activeSection != "LEA473103") {LEA473103.style.color="#336699";};' onClick='resetColors("LEA473103");LEA473103.style.color="#800040";;' style="color: #336699; font-weight:bold; text-decoration: none; " title="Tom speaks on Wealth Creation, and Inspiration" target="BODY">Professional Speaker</a></font> </TD> </TR> <tr> <td width=20 valign=top align=right> </TD> <td valign=top align=left> <font size="1" color="#336699"><a href="Live/Lea437/me0c2c.html?SITE.sitelayouts.body&LEA473116&PARENT=HOME" name=LEA473116 onMouseOver='if (activeSection != "LEA473116") {LEA473116.style.color="#800040";};' onMouseOut='if (activeSection != "LEA473116") {LEA473116.style.color="#336699";};' onClick='resetColors("LEA473116");LEA473116.style.color="#800040";;' style="color: #336699; font-weight:bold; text-decoration: none; " title="Recommended Bus & Serv." target="BODY">Recommended Bus & Serv.</a></font> </TD> </TR> <tr> <td width=20 valign=top align=right> </TD> <td valign=top align=left> <font size="1" color="#336699"><a href="Live/Lea437/me3981.html?SITE.sitelayouts.body&LEA473235&PARENT=HOME" name=LEA473235 onMouseOver='if (activeSection != "LEA473235") {LEA473235.style.color="#800040";};' onMouseOut='if (activeSection != "LEA473235") {LEA473235.style.color="#336699";};' onClick='resetColors("LEA473235");LEA473235.style.color="#800040";;' style="color: #336699; font-weight:bold; text-decoration: none; " title="Personal Life Coaching" target="BODY">Personal Life Coaching</a></font> </TD> </TR> <tr> <td width=20 valign=top align=right> </TD> <td valign=top align=left> <font size="1" color="#336699"><a href="Live/Lea437/me58f3.html?SITE.sitelayouts.body&LEA473241&PARENT=HOME" name=LEA473241 onMouseOver='if (activeSection != "LEA473241") {LEA473241.style.color="#800040";};' onMouseOut='if (activeSection != "LEA473241") {LEA473241.style.color="#336699";};' onClick='resetColors("LEA473241");LEA473241.style.color="#800040";;' style="color: #336699; font-weight:bold; text-decoration: none; " title="2006 Workshop Schedule " target="BODY">Workshop Schedule </a></font> </TD> </TR> <tr> <td width=20 valign=top align=right> </TD> <td valign=top align=left> <font size="1" color="#336699"><a href="Live/Lea437/mefe92.html?SITE.sitelayouts.body&LEA473101&PARENT=HOME" name=LEA473101 onMouseOver='if (activeSection != "LEA473101") {LEA473101.style.color="#800040";};' onMouseOut='if (activeSection != "LEA473101") {LEA473101.style.color="#336699";};' onClick='resetColors("LEA473101");LEA473101.style.color="#800040";;' style="color: #336699; font-weight:bold; text-decoration: none; " title="Glossary of Terms A-G" target="BODY">Glossary of Terms</a></font> </TD> </TR> <tr> <td width=20 valign=top align=right> </TD> <td valign=top align=left> <font size="1" color="#336699"><a href="Live/Lea437/me725e.html?SITE.sitelayouts.body&LEA473219&PARENT=HOME" name=LEA473219 onMouseOver='if (activeSection != "LEA473219") {LEA473219.style.color="#800040";};' onMouseOut='if (activeSection != "LEA473219") {LEA473219.style.color="#336699";};' onClick='resetColors("LEA473219");LEA473219.style.color="#800040";;' style="color: #336699; 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