Edward D. Foy, the manager and developer of the SELECTOR® Money Management Program, has been licensed and active in both the securities and insurance industries since 1980. He is an Investment Advisory Agent, as well as President, of Foy Financial Services, Inc., of Lincoln, Nebraska, a Registered Investment Advisor. He is also a Registered Financial Consultant (RFC) with the International Association of Registered Financial Consultants and a member of the Financial Planning Association.