David B. Loeper is a Certified Investment Management Analyst®, a Certified Investment Management Consultant® and the CEO of Wealthcare Capital Management, Inc. A Registered Investment Adviser Representative with nearly 25 years experience, Mr. Loeper has appeared on CNBC, CNN, Fox Business and Bloomberg TV.

Mr. Loeper joined Wheat First Securities as vice president of investment consulting in 1988, where he served for 10 years. He was promoted to managing director of investment consulting, and then eventually to managing director of strategic planning for the retail brokerage division. He left his position at Wheat First Securities in 1999 to found Financeware, one of the most respected and influential pieces of financial planning technology around today. Through its success, Mr. Loeper saw even greater need and opportunity to improve the industry and subsequently launched Wealthcare Capital Management®.

Active in industry associations throughout his career, Mr. Loeper has been a member of the Investment Management Consultants Association (IMCA) for over 20 years, serving on the advisory council for more than 5 years, most recently as chairman. Mr. Loeper was also appointed by the governor of Virginia to serve on the Investment Advisory Committee of the nearly $30 billion Virginia Retirement System. He received his CIMA® designation in 1990 by completing a program offered through Wharton Business School, in conjunction with IMCA.

Mr. Wilson served as Managing Director and Treasurer of First Union Corporation's Retail Securities Group, which is now part of Wells Fargo Advisors, the third largest retail brokerage organization in the United States. His last assignments at First Union included M&A analysis, acquisition due diligence and financial analysis on First Union's e-commerce brokerage strategy.

Ms. Nelson comes to Wealthcare Capital Management with extensive project management and systems analysis experience in various vertical markets. She has managed many diverse development projects ranging from financial application development projects to a major supply chain re-engineering project. Prior to joining us in 2000, Ms. Nelson served as Manager of Mid-Atlantic Application Development for The Allied Group. While at The Allied Group, Ms. Nelson managed application development projects for such companies as: AOL Time Warner, National Geographic, Sun Microsystems, General Motors, Phillip Morris, NEXTEL and others. Prior to working with The Allied Group, Ms. Nelson was with the Westvaco Corporation managing numerous system analysis and information system development projects.

Perry L. Chesney is Senior Managing Director of Wealthcare Capital Management's Global Client Group and a member of its Executive Committee. Mr. Chesney has over 25 years of experience in the financial services industry, most recently as Senior Vice President and Central Division Manager at SunTrust Investment Services. Prior to his position at SunTrust, Mr. Chesney was a Private Wealth Advisor with Merrill Lynch, where he worked for over 22 years.

Mr. Chesney is a frequent speaker for area financial planners and investment professionals and has done extensive speaking and teaching around the country for Merrill Lynch and SunTrust. In January 2004 and again in 2005, Mr. Chesney was recognized by Robb Report Worth Magazine as one of the TOP 100 Financial Advisors in America.

He has served on the Board of Directors for both the Baton Rouge CLU/ChFC Association and the Baton Rouge Chapter of the IAFP. He served on the board of the Greater BR Food Bank from 1996 until 2002 and was the Board President in 2002. Mr. Chesney was also Board Treasurer of the General Health System Foundation in 2002.