Thanks for your visit to my Portfolio.

With all my heart I welcome you. This presentation contains a wealth of material from my professional life and from my heart.

NOTICE: This site, created by John M. Kirkwood, CHFPe, does NOT collect information on, by or with cookies and the use of cookies is not required by the author to view this site. The “Cookie Notice” that appears in the lower-left corner on some pages was added after the site was created without the author’s express concurrent permission. The “Terms of Service” noted in the above “Cookie Notice” does not reflect any “Terms of Service” that I may have generated or subscribed. The (Automatic) “Terms of Service” are available by clicking the link in the “Cookie Notice” on this page.

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I regret and appologize for the unwelcome intrusion and imposition of the “Automatic organization” cookie notice and policy.

John M. Kirkwood, CHFPe

E-mail: john.kirkwood@mac.com

Phone: 609 491 2095

2208 Hunter Street, Cinnaminson, NJ, 08077