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Compensation Designs (CDS) was established in 1985. Initially, CDS designed employee benefit plans, exempt plans, and created tax favored retirement plans. Employers retained us to advise on retirement plans, prepare employee communication books, and create retirement plans for senior management personnel. Once created, CDS met periodically with each client to track performance and determine that the financial program was "on track" - so the client could maintain the life style desired through his or her retirement years.

As word of this service spread, CDS received requests for assistance in retirement planning from rank and file employees. Word of mouth advertising did the rest. CDS depends on an independent broker dealer, VSR Financial Services, for investment products. Since VSR does not produce any investment products, they exert no pressure on brokers to "push" a particular brand. All securities are traded through First Clearing, owned by Wells Fargo.

Few advisors are as experienced on the intricacies of planning on both sides of an individual's time horizon: before retirement, using tax and benefit laws during employment; and after retirement, in moving from accumulation mode into consumption mode. CDS actively adds educational sources and software tools to improve their ability to serve their clientele.

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Advisory services offered through Sowell Management Services (“SMS”), a registered investment advisor. SMS and its representatives are in compliance with the current filing requirements imposed upon registered investment advisors by those jurisdictions in which SMS maintains clients. For information pertaining to the registration status of SMS, please contact the SEC or FINRA. A copy of SMS’s current written disclosure statement discussing SMS’s business operations, service and fees is available upon written request.

General: This site has been designed for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security which may be referenced upon the site. Such offers can only be made where lawful under applicable law. Compensation Designs does not intend to provide investment advice through this site and does not represent that the securities or services discussed are suitable for any investor. Investors are advised not to rely on any information contained in the site in the process of making a fully informed investment decision. Compensation Designs does not, and this site does not intend to, render tax or legal advice. Certain portions of this website may contain a discussion of and/or provide access to Compensation Designs’ (and those other investment and non-investment professionals) positions and/or recommendations of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).

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