Darren Knight, Financial Advisor As a Dave Ramsey SmartVestor Pro: I provide a refreshing twist on financial planning. I have the heart of a teacher, not the attitude of a salesman. I’m someone you can feel comfortable talking to and someone you can trust. We’ll work together to create a plan to help you reach your goals. I care about your future. I’m more than a “financial planner”—I’m someone you can relate to and share your dreams with. I fit your investments to your life, help you understand what you’re investing in and why, and encourage you to stick with your long-term goals. I agree to the SmartVestor Code of Conduct. I believe everyone deserves access to solid, professional investing guidance. I love my position as a SmartVestor Pro because of my experience in the industry and my drive to help others. Learn more SmartVestor Code of Conduct: • Pro is not subject to any mandatory policies preventing Pro from working with all types of clients, regardless of account size, preferences, or background.• Pro is familiar and generally agrees with Ramsey Solutions’ mission and personal finance principles of its products and services.• Pro has operational capacity to serve and promptly respond to all existing clients and the increased volume that could potentially result from advertising with SmartVestor.• Pro does not exclusively offer proprietary products. With respect to its clients, Pro does not promote proprietary products over other offerings (1) solely because of a firm policy or fee or commission arrangement in such proprietary products, or (2) when in Pro’s reasonable professional judgment, the proprietary products would not achieve the client’s goals.• Pro affirms that considering potential market returns, premiums, and costs to the client, whole life or cash value life insurance is not a prudent use of most clients’ funds.• Pro believes that long term financial success is significantly dependent upon a client’s understanding of the market, risks, taxes, investment options, goals, strategies and other factors effecting the outcome of a client’s wealth building plan. Therefore, in his or her interactions with clients, Pro actively endeavors to help clients become knowledgeable and educated concerning the client’s personal finances, investments, and overall financial plan.