THE CULBERTSON TEAM

Alan N. Culbertson
Chairman and Chief Executive Officer
Founder of the Firm in 1992 and now responsible for the investment management of more than $150 million in assets. A member of the Bars of Virginia, Pennsylvania, and New York, Alan has been a frequent speaker to a variety of business and professional groups in the U.S. and Canada and was named the 2001 Distinguished Lecturer of the Ballentine Center for the Study of Securities Markets at Syracuse University. Alan is a graduate of Edinboro University and Syracuse University College of Law.

A LETTER FROM ALAN CULBERTSON, CHAIRMAN, CEO

George L. Payne, Jr.
President and Chief Operating Officer
George, an officer of the Firm since 1999, was named President in 2001. He holds the Personal Financial Specialist (PFS) credential as awarded by the American Institute of Certified Public Accounts (AICPA).
The credential recognizes CPAs with considerable professional experience in financial planning. Prior to joining the Firm, he was Vice President, Chief Financial Officer, and Treasurer for the CFA Institute. Previously, he was Vice President and Assistant Controller of Amvest Corporation, a privately held energy company in Charlottesville, VA. George is a CPA and holds a BBA degree in accounting from James Madison University.

A LETTER FROM GEORGE L. PAYNE, JR., PRESIDENT

George H. Kidder, Jr.
Senior Vice President
George joined the Firm in 2003 after serving as Managing Director of Beacon Asset Management and President of KDK Capital Advisers, both in Boston, Massachusetts. His earlier investment experience included work at Frontier Capital Management Corporation and Excalibur Management Corporation. He has a BA degree from Dartmouth College and an MBA degree from the University of Virginia’s Darden School.

Ann G. Turner
Vice President
Ann is Vice President of Client Operations and a Certified Financial Services Auditor (CFSA). Prior to joining the firm in 2003 Ann was Chief Operating Officer of the Department of Neurosurgery at the University of Virginia Health Sciences Center. Ann brings a breadth of financial and audit experience from past positions including Vice President and Internal Audit Manager at Jefferson National Bank, Research Lecturer at the Darden School of Business of the University of Virginia, and a bank examiner with the Comptroller of the Currency. Ann is a graduate of Westhampton College of the University of Richmond with a degree in Economics.

Kimberly Chiricos
Executive Assistant

Kimberly is a graduate of Frostburg State University, Maryland and the University of Grenoble, France with a degree in French and modern foreign language. Her administrative background prior to joining the firm in 2006 included work with legal consultants in France. Upon her return to the U.S. in 1994, she has primarily worked in the sales and tourism industries, as well as fundraising for non-profit palliative care.