Lawrence N. (Chip) Holden, CLU®, ChFC®
John E. Mickey, CLU®, CLTC
Joseph H. Mickey, CLU®, ChFC®
Gerald M. (Gerry) Malmo, III, CLTC
David L. Holden, CFP®, CLU®, CLTC
Dustin A. Koufman, CLTC

Lawrence N. (Chip) Holden, CLU®, ChFC®
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Lawrence Holden has established himself as a touchstone of exemplary service in the financial services industry. Since graduating from Wake Forest University in 1973, Lawrence, known to his friends as Chip, established a philosophy of operating with integrity and focusing on long-term relationships with his clients. In order to best assist his clients, Chip believes in a team approach to financial and estate strategies with other professional advisors.

Chip specializes in negotiating large life insurance contracts for business owners, executives, and high-net-worth individuals who have pre-existing health conditions. He also focuses on business succession planning and the design of non-qualified benefit plans for key employees; and before it became fashionable, he recognized the value of equity-based insurance products.

In 1989 he joined forces with Joe and John Mickey to institute Holden Mickey & Mickey Inc. In 1998 he helped found, and is currently a stockholder in, the investment advisory and fee-based asset management firm, Arbor Investment Advisors, LLC. Chip enjoys spending his free time entertaining his varied interests including world and military history, golf, baseball, lacrosse, and symphony concerts. He serves as a member of the Board of Directors of the Piedmont Wind Symphony.

His record of success is a testimony to his philosophy:

• Consecutive Million Dollar Round Table member since 1977, one of only 12 agents in North Carolina and 784 worldwide;
• For 2006, in-force premiums ranked 75th largest in the United States, and 4th largest in North Carolina among Massachusetts Mutual Life Insurance Company (MassMutual) agents;
• In 2001 awarded the elite ELIF Award (Exceptional Level of In Force Business) from Massachusetts Mutual Life Insurance Company (MassMutual);
• Persistency rating (the number of clients who maintain their contracts) was in the top 1% for 2006.

Earned career achievements:

• Chartered Life Underwriter (CLU®)
• Chartered Financial Consultant (ChFC®)
• Member of the Association for Advanced Life Underwriting
• Past president of the Winston-Salem Estate Planning Council
• North Carolina representative for MassMutual's Political Action Committee
• Member of the Product Development Committee for MassMutual

Lawrence N. Holden is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, Inc. Member SIPC (www.SIPC.org). Insurance offered through Massachusetts Mutual Life Insurance Company (MassMutual) and other fine companies. Arbor Investment Advisors, LLC is not an affiliate of MassMutual or MML Investors Services, Inc.

John E. Mickey, CLU®, CLTC
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The Mickey family is a legacy with MassMutual and the insurance and financial services industry. John Mickey joined the industry and MassMutual in 1976 as a third generation of life underwriters. After UNC-Chapel Hill graduation, John traveled the world for two years, including employment during extended stays in both Scotland and Australia. Returning home, John and his father, Joseph H. Mickey, joined together in a partnership that remains strong today.

In 1989, John and his father came together with Chip Holden to form Holden Mickey & Mickey Inc. with offices in downtown Winston-Salem. John is recognized within his company as well as industry wide for his success as a leader in the field. John attributes the recognition he has received to his clients' loyalty and trust. He ties his success to being a dependable, sensitive listener and an advocate for each client. John provides for the financial needs for the families and businesses he advises through various financial products, estate planning tools, and benefits programs available from over 30 insurance carriers. To fulfill the firm's mission of assessing and meeting client needs and designing plans to meet those needs, John and his partners were instrumental in founding and forming an affiliation with Arbor Investment Advisors LLC. Attorneys and accountants refer clients to John because they recognize the value of a team approach to solving insurance and financial needs.

Mickey was recognized in 2007 as Agency Leader for Long-Term Care Insurance by The Greensboro Agency, a general agency of Massachusetts Mutual Life Insurance Company (MassMutual). A Chartered Life Underwriter, John is a member of the Association of Advanced Life Underwriters, the Winston-Salem Estate Planning Council, and the Million Dollar Round Table. He has also earned the CLTC designation for certification in long term care coverage. He works with other Holden Mickey principals to promote MassMutual's LifeBridge Program, a totally free term life insurance program for qualified working parents in the Triad, and is one of the national leaders in helping families apply.

John's volunteer services to agencies in the community have included leadership in Reynolda Rotary, the Moravian Church in the Southern Province, Home Moravian Church, and the Winston-Salem Chapter of the American Cancer Society among others. John, his spouse Susan, and daughter Hollis shepherd a flock of award-winning rare breed sheep.

John E. Mickey is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, Inc. Member SIPC (www.SIPC.org). Insurance offered through Massachusetts Mutual Life Insurance Company (MassMutual) and other fine companies. Arbor Investment Advisors, LLC is not an affiliate of MassMutual or MML Investors Services, Inc.

Joseph H. Mickey, CLU®, ChFC®

A Winston-Salem native who grew up only a few blocks from the Holden Mickey & Mickey office, Joe Mickey has deep family roots that go back to Old Salem and Samuel Mickey, the tinsmith who created the city's symbol of hospitality, the tin coffee pot. As a young student and winner of the Metric Science Award at his high school, Mickey was headed for a career as a scientist. But at the University of North Carolina at Chapel Hill he soon changed his physics major so that he could move into a more people-oriented career: life insurance.

Few people know more about life insurance than Joe Mickey. He worked in the insurance business for over 50 years and was instrumental in forming Holden Mickey & Mickey Inc. Although formally retired with Agent Emeritus status, Joe's knowledge continues to be an inspiring and invaluable asset to Holden Mickey & Mickey.

Gerald M. (Gerry) Malmo, III, CLTC
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Gerry works with professionals, family business owners, and corporate managers to help them build and preserve their estates and businesses using the most appropriate insurance and investment vehicles. He monitors clients' needs on an ongoing basis and guides them through financial and investment strategies to meet their needs. He views himself as both an educator and financial services professional, who helps clients differentiate among the various vehicles to understand what is needed and why.

His insurance experience includes the areas of income replacement via life insurance and protecting a portion of income lost due to disability with disability income insurance for professionals, retirement planning issues for 401(k) and profit sharing plans including nonqualified retirement vehicles, and accumulation strategies. His clients include attorneys, physicians, architects, family-owned manufacturing and service businesses, and executives of Fortune 500 corporations.

In 2007, Gerry was awarded the Jon Meadows Trophy as Agent of the Year in North Carolina by MassMutual's Greensboro Agency. For several years, Gerry has received the National Quality Award from the National Association of Life Underwriters, which recognizes and promotes excellence in client and customer representation. He is also a member of the Million Dollar Roundtable and the Winston-Salem Estate Planning Council. He works with other Holden Mickey principals to promote MassMutual's LifeBridge Program, a totally free term life insurance program for qualified working parents.

Gerry attended the University of North Carolina at Chapel Hill and received a bachelor of arts degree from The School of Commerce at Washington and Lee University. He earned his master's of business administration from the Babcock Graduate School of Management at Wake Forest University. He joined Holden Mickey & Mickey in November, 1996 and has earned the designation of Certified Long-Term Care Consultant (CLTC) and is studying for the Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®) designations. He also serves as a solicitor for Arbor Investment Advisors LLC.

He is active in church and community service. A member of St. Paul's Episcopal Church, he has been involved with the acolyte ministry, Every Member Canvass, Ushers, and other ministries. He is president-elect of the Stratford Rotary Club and president of the Winston-Salem chapter of the Washington and Lee Alumni Association. He has served on the Alumni Council of the Babcock Graduate School of Management at Wake Forest University.

Gerald M. Malmo is a registered representative of and offers securities through MML Investors Services, Inc. Member SIPC (www.SIPC.org). Insurance offered through Massachusetts Mutual Life Insurance Company (MassMutual) and other fine companies. Arbor Investment Advisors, LLC is not an affiliate of MassMutual or MML Investors Services, Inc.

David L. Holden, CFP®, CLU®, CLTC
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David Holden, an associate with Holden Mickey & Mickey Inc., is developing his own financial services practice with the firm and is partnering with his father, Lawrence N. (Chip) Holden. In January 2005, David opened a small office in Oxford, NC to serve clients in that area in addition to his Winston-Salem clients.

Since 1999, David has worked with corporate and individual clients in the insurance, investment, and financial services areas. He previously worked with Merrill Lynch in Charlotte for three years as a Certified Financial Manager and was a top producer among young associates.

David has been named a member of the Million Dollar Round Table. He has also been recognized four times as a Rising Leader by Massachusetts Mutual Life Insurance Company (MassMutual) and has qualified four times for the MassMutual Leader’s Club. He has earned the following professional certifications:

• Certified Financial Planner (CFP®)
• Chartered Life Underwriter (CLU®)
• Certified in Long Term Care (CLTC).

He is also a member of the Winston-Salem Estate Planning Council.

A native of Winston-Salem, David was an All-American baseball player at R. J. Reynolds High School and graduated Cum Laude from Wake Forest University in 1999, where he was a scholarship baseball player. He currently serves on the Wake Forest University Young Alumni Board. David is a member of Centenary United Methodist Church where he serves as vice-chair of the Finance Committee. He is also on the Young Life Committee of Forsyth County. David and his wife Shelley reside in Winston-Salem with their daughter Joanna.

David L. Holden is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, Inc. Member SIPC (www.SIPC.org). Insurance offered through Massachusetts Mutual Life Insurance Company (MassMutual) and other fine companies.

Dustin A. Koufman, CLTC
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Dustin A. Koufman, an associate with Holden Mickey & Mickey Inc., focuses on retirement planning, insurance and investments for individuals and closely held businesses. He has been recognized as a leader in production with MassMutual, an award given to the top 10 percent of the 5,000 financial services professionals who represent MassMutual in the United States.

Previously with The Greensboro Agency in Greensboro, NC, Koufman was recognized as a Rising Leader for 2006 and also earned the agency's Fast Start Award in 2006. He has earned the Certification in Long Term Care (CLTC) designation and is a candidate for certification in financial planning (CFP). Dustin is a member of the NC Association of Insurance and Financial Advisors.

A Winston-Salem native, Dustin graduated from R. J. Reynolds High School in Winston-Salem and earned a BA in economics from West Virginia University. In addition to academics, he excelled in ice hockey for the university's varsity program, also serving as captain his final two seasons. He currently volunteers in the corporate Wings program for the WS/FC schools and enjoys spending free time with family and friends. He lives in Winston-Salem with his wife, Catherine, and their two children.

Dustin A. Koufman is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, Inc. Member SIPC (www.SIPC.org). Insurance offered through Massachusetts Mutual Life Insurance Company (MassMutual) and other fine companies.