Frank Armstrong, III, CLU, CFP(tm), AIFA(R) is the founder and principal of Investor Solutions, Inc. (www.InvestorSolutions.com), a fee-only registered investment advisor. He holds a B.A. in Economics from the University of Virginia, and designations as Chartered Life Underwriter (CLU), Accredited Investment Fiduciary Analyst (AIFA) and a Certified Financial Planner (CFP) (tm). He has more than 35 years' experience in the securities and financial services industry.He joined Connecticut General Life in 1973 as a dual registered life, health and annuity agent, and securities representative. In 1983 he co-founded and served as NASD Principal of Moring-Armstrong & Company, Inc., a Registered Investment Advisor, and Broker-Dealer Representative of Royal Alliance.In 1993 Mr. Armstrong founded Investor Solutions, Inc. to provide investors with fiduciary level objective advice and leading edge investment management. He is a pioneer in integrating academically driven portfolio management techniques with institutional best practices for individual investors around the world. Frank is the Chairperson of the Investor Solutions Investment Committee.Investor Solutions, Inc. serves individuals, trusts, pensions, not for profit organizations and one foreign government. Currently the firm has discretion or advises assets approaching $400 million.A prolific author, his bestselling book The Informed Investor was cited by Business Week as one of the best investment books of 2002. His initial publication, Investment Strategies for the 21st Century, is one of the first books ever published and serialized on the internet in multiple languages. His most recent book just published January 2009, The Retirement Challenge: Will You Sink or Swim has received rave reviews. Rescue Your Retirement was released in May 2009. Investor Solutions also hosts a retirement resource website www.Sink-Swim.com.Frank Armstrong was also a featured columnist on Morningstar.com for a number of years and is a frequent contributor to The CPA Journal, Accountant's World, and Physicians Financial News, CNNfn.com, and AccountsWorld.com. He has also appeared on "CNN Headline News", "Your Money with Stewart Varney", "PBS Morning Business Report", and Net Financial News. He has also been featured on numerous radio shows around the country including CNBC, Money Life with Chuck Jaffee, and Public Radio stations. Frank is widely quoted in the media and lectures nationwide on principles of investment management.Frank is certified by the Florida Bar to teach a four hour course for CE credit covering development of fiduciary law, practice standards, and ethics for fiduciaries.Mr. Armstrong has served a number of times as an Expert Witness in arbitrations, mediations and Federal lawsuits involving fiduciary standards, suitability, asset allocation, risk control, portfolio construction, sustainable withdrawal rates, and market returns. Frank also served as Chief Investment Strategist for Direct Advice and has served on several boards of directors including the Advisory Board of Florida International University's (FIU) International MBA Program and the United Way of Miami Dade Professional Advisory Board and currently contributes professional education courses to Nova University.Mr. Armstrong is a Vietnam veteran and former Air Force pilot, and instructor. Mr. Armstrong flew 250 combat missions in Southeast Asia. He currently lives in Coconut Grove with his wife, Gabriele, and enjoys boating, deep sea fishing, scuba diving, windsurfing, reading and travel.Francis C. Armstrong III, CLU, CFP(R), AIFA(R) (year of birth 1944)Formal Education and Licenses:BA in Economics, University of Virginia, Charlottesville, VAChartered Life Underwriter (CLU)CERTIFIED FINANCIAL PLANNER TM Practitioner (CFP(R))Accredited Investment Fiduciary Analyst (AIFA(R))NAPFA-Registered Financial AdvisorGeneral Securities Representative Licensed through the NASD (1983-1994)General Securities Principal Licensed through the NASD (1983-1994)Business Background:President & Founder, Investor Solutions, (1993-Present)Managed Account Services, Inc. d/b/a Investor Solutions, President, (1993 - Present)Principal, Moring-Armstrong & Company, Inc. (1983-1995)Managing Executive, Royal Alliance Associates, Inc. (1983-1994)Books by Frank Armstrong:Investment Strategies for the 21st CenturyThe Informed InvestorThe Retirement Challenge: Will You Sink or Swim?Save Your Retirement