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FBD Consulting, Inc. (FBD), headquartered in Overland Park, Kansas, was incorporated in 1967, and over the past 40 years has become an industry leader in providing innovative solutions to complex employee benefit and human resources related issues. In December 2000, National Financial Partners (NFP) acquired FBD. NFP is a billion dollar plus company listed on the NYSE with headquarters located in New York City. FBD still maintains autonomy in managing the daily activities of the firm through FBD Consulting Management Company, which is wholly owned by Michael Juffa, the President and CEO of FBD Consulting. Under this arrangement, FBD shares all of the assets of a publicly traded company and at the same time has the ability to apply all management decisions at the local level. Our diverse, professional staff provides our clients with expertise in a broad array of services. We partner with our clients to provide innovative, objective and cost effective solutions to their employee benefit and human resources issues in the following areas: Human Resources Consulting Services Health and Welfare Benefit Consulting and Brokerage Retirement Plan Consulting and Administration As a firm, we have prospered because our staff of innovative, industry-leading professionals has a broad base of technical and business expertise-skills that we utilize in furthering all of our clients' interests and in achieving superior results in the design and operation of their benefits programs and human resources management efforts.