J.D. KREPS FINANCIAL GROUP, INC. Empowered investors. Powerful financial advice. In late 1998, Jonathan Kreps graduated from college with 100 names of his past lawn mowing and paper route customers and the tenacity he needed to start ).D Kreps Financial Group. However, those 100 names generated only 1 customer in 1999 and by the end of year one, Jonathan had only earned $220o after expenses. While this was not what Jonathan had expected, he persevered through that tough first year and by the end of his second year, he hired his first employee, Heidi Gorans, who is still with him today. Combining his passion for serving clients, a strong work ethic, and the expertise gained in college, his firm began to grow. In 2004, Jonathan hired his second employee, Tanya Mayhew, as a Registered Sales Assistant. By the following year, the firm had outgrown its 450 square foot office, so Jonathan invested all of his savings into a new building across town. In 2005, the firm moved into their new office in its present location. Jonathan had a vision and believed the firm would flourish by providing the surrounding community what it needed: an independent financial planning firm committed to putting the clients' interests first. And flourish it did! The combination of local expert advice and superior client service proved to be valued and word spread. Todd Ahrenholz came on as another advisor in 2009. Todd soon completed the rigorous training needed to provide advice and began seeing clients as well. In 2010, Scott Lundy joined the team as a Registered Sales Assistant, and in 2013, Scott Kragh joined as yet another client facing advisor after completing his training. As the firm has grown, they continue to add staff to ensure the client service experience is enhanced. Currently, J.D. Kreps Financial Group, Inc. has 8 employees, including three CERTIFIED FINANICAL PLANNERS". The firm has experienced very little employee turnover, and this consistency has proven to be appreciated by the other staff members as well as the clients. J. D. Kreps Financial Group is thankful and honored to have been in business for over 20 years and is looking forward to the next 20 years! The firm's mission is simple: To serve their clients in a way that is taught in Matthew 25. We are all simply stewards of what has been entrusted to us. Thank you for allowing our firm to serve you! For more information on ). D. Kreps Financial Group, please explore the web-site, call toll-free at 866-545-4685 or email at jdkrepsfinancialgroup@jdkreps.com. 309 Lakeland Drive SE Unit 2 Willmar, MN 56201 320-235-8065 www.jdkreps.com Securities and investment advisory services offered through SagePoint Financial, Inc. (SPF). member FINRA/SIPC, SPF is separately owned and other entiies andlor marketing names, products or services refer. enced here are independent of SPF. SPF does not provide tax or legal service. J.D. KREPS FINANCIAL GROUP, INC. Empowered investors. Powerful financial advice. In late 1998, Jonathan Kreps graduated from college with 100 names of his past lawn mowing and paper route customers and the tenacity he needed to start ).D Kreps Financial Group. However, those 100 names generated only 1 customer in 1999 and by the end of year one, Jonathan had only earned $220o after expenses. While this was not what Jonathan had expected, he persevered through that tough first year and by the end of his second year, he hired his first employee, Heidi Gorans, who is still with him today. Combining his passion for serving clients, a strong work ethic, and the expertise gained in college, his firm began to grow. In 2004, Jonathan hired his second employee, Tanya Mayhew, as a Registered Sales Assistant. By the following year, the firm had outgrown its 450 square foot office, so Jonathan invested all of his savings into a new building across town. In 2005, the firm moved into their new office in its present location. Jonathan had a vision and believed the firm would flourish by providing the surrounding community what it needed: an independent financial planning firm committed to putting the clients' interests first. And flourish it did! The combination of local expert advice and superior client service proved to be valued and word spread. Todd Ahrenholz came on as another advisor in 2009. Todd soon completed the rigorous training needed to provide advice and began seeing clients as well. In 2010, Scott Lundy joined the team as a Registered Sales Assistant, and in 2013, Scott Kragh joined as yet another client facing advisor after completing his training. As the firm has grown, they continue to add staff to ensure the client service experience is enhanced. Currently, J.D. Kreps Financial Group, Inc. has 8 employees, including three CERTIFIED FINANICAL PLANNERS". The firm has experienced very little employee turnover, and this consistency has proven to be appreciated by the other staff members as well as the clients. J. D. Kreps Financial Group is thankful and honored to have been in business for over 20 years and is looking forward to the next 20 years! The firm's mission is simple: To serve their clients in a way that is taught in Matthew 25. We are all simply stewards of what has been entrusted to us. Thank you for allowing our firm to serve you! For more information on ). D. Kreps Financial Group, please explore the web-site, call toll-free at 866-545-4685 or email at jdkrepsfinancialgroup@jdkreps.com. 309 Lakeland Drive SE Unit 2 Willmar, MN 56201 320-235-8065 www.jdkreps.com Securities and investment advisory services offered through SagePoint Financial, Inc. (SPF). member FINRA/SIPC, SPF is separately owned and other entiies andlor marketing names, products or services refer. enced here are independent of SPF. SPF does not provide tax or legal service.