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Rick Labs, CPA, CFA Registered Investment Adviser CL&B Capital Management, LLC 315-637-0915 Fax 315-203-3920

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Hi, I'm Rick Labs, a Registered Investment Adviser doing business through my wholly owned firm, CL&B Capital Management, LLC. I manage a wide range of taxable and tax-exempt investment portfolios for numerous accounts in the upstate NY area. With a background beginning with an MBA and CPA achieved in 1986, I have been a Chartered Financial Analyst since 1992. I'm passionate about investing and I feel especially privileged to be involved with the markets every day.