BEGIN:VCARD
VERSION:2.1
N:Kaplan;Ryan
FN:Ryan Kaplan
ADR;WORK;PREF:;;100 Montgomery Street   Suite 2150;San Francisco;CA;94104;
ORG:PFM Financial Advisors LLC
URL;WORK:www.pfm.com
TITLE:Director
TEL;WORK;VOICE:415.393.7228
TEL;CELL:
TEL;FAX;WORK:
EMAIL;PREF;INTERNET:kaplanr@pfm.com
PHOTO;ENCODING=BASE64;TYPE=JPEG:
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



END:VCARD
