Robert H. Sowder, CFS®, AIF®

CA Insurance License #0C31109 
Moran, Heising, McElravey & Sowder, LLC 
21250 Hawthorne Blvd., Suite 560 
Torrance, CA 90503  
(310) 529-7564 
(310) 406-3080 ext. 305 
(866) 406-3080 ext 305  
Fax: (310) 406-3082 
rsowder@smarterdecisions.com 
www.smarterdecisions.com  

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