It was a pleasure to announce the acquisition of Up North Financial, LLC by Mark D. Herman, CFP. UNF is Registered Investment Advisor firm, registered with the SEC. Investments that you entrust to our firm are placed in custody with Fidelity Investments, an industry leader.

Up North Financial’s team of professionals have 90 years of direct industry experience, and we look forward to applying our expertise to help you with your investment and financial plans. Working together we will take the time to understand your financial concerns and work in partnership with you to develop a customized investment program that can best meet your needs.

Mark D. Herman, CFP®, MBA
Financial Advisor, Portfolio Manger
Mark’s education includes: CFP®, Certified Financial Planner™, 1999 College of Financial Planning, MBA / Finance, 1991 University of Chicago, MS / Engineering, 1989 University of Arizona, BS / Engineering, 1986 University of Michigan, Securities Licensed, Series 7, 31,
63 and 65.

Mark's associations include: Rotarian Past President. Business Experience includes:
1996 - Present: Morgan Stanley Smith Barney, Portfolio Manager and Senior Investment Management Consultant, 1991 - 1996: State Street Research Securities/MetLife, Financial
Advisor. 1986 - 1989: AT&T, Manager.

Lynne Holmberg / Client Service Manager
Holds her Associates Degree from Muskegon County Community College with 2 years of study at Colorado State University. She has over 30 years of experience at Morgan Stanley Smith Barney helping clients will many aspects of their account and cash management needs.

William Flynn / Client Service Assistant
Attended University of Iowa and played football, then earned his BA in Business from Northern Michigan University. He then worked as a Financial Advisor, first with Merrill Lynch, and then with Smith Barney, in total for 30 years. Bill looks forward to assisting clients and coordinating with Mark on timely research about interesting investment opportunities and market trends. Together, we look forward to working hard on your investment and financial plans, so you can relax.
Thank you.

NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL.
NOT INSURED BY ANY STATE OR FEDERAL AGENCY

Securities offered through Purshe Kaplan Sterling Investments, member FINRA/SIPC, Headquartered
at 18 Corporate Woods Blvd, Albany, NY 12211.