Qualifications

I have been in the financial service industry since 1990. The following list includes my licenses, appointments and affiliations:

Investment Advisor Representative

Securities and insurance licensed in CA, WA and MT

Series 6, 63, 65, life and disability licensed

Agent appointed with Kaiser Permanente CA, John Alden, Group Health of WA, Anthem Blue Cross of California, Mutual of Omaha and others.

MBA

Contact Info

DDownsFinance 243 A Shipley Street
San Francisco, CA 94107
Map and Directions

Phone: 415-875-9427
Toll free 888-792-6580
Cell phone: 510-388-9305
Fax: 415-875-9427

denisedowns@ddownsfinance.com

Additional Pages

Securities and advisory services offered through KMS Financial Services Inc.,
2001 Sixth Avenue, Suite 2801, Seattle, WA 98121-9833 (206) 441-2885

Investment regulations including SEC and FINRA (www.finra.org) registration requirements limit the dissemination of information on investments and services. Therefore, access to this site is intended for and limited to individuals residing in the states in which Denise Downs is FINRA and/or SEC Registered or exempt. Denise is a Registered Representative and Investment Advisor Representative of KMS Financial Services, Inc., a FINRA member firm securities licensed in all 50 states. This office, through Denise Downs, is registered for securities business with residents of CA, WA, MT, AK, and VA. Likewise, fee-based advisory services are available to residents of CA and WA. By proceeding further you acknowledge that you have read the disclosures above and that you area a resident in a state in which we are registered to conduct business.

"Securities and advisory services offered through KMS Financial Services, Inc."

Past performance is not indicative of future results.