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    	<h3>WHY Bay Spectrum Consulting?</h3>
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        	<h4>A Few Words About Us</h4>
			<p>We are the certified college financial experts.</p></a>
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        	<h4>Our Story</h4>
			<p>A desire for more support and innovation.</p></a>
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        	<h4>Bay Spectrum Team</h4>
			<p>We have used our extensive financial background.</p></a>
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        	<h4>Why Bay Spectrum</h4>
			<p>We provide professional and premium services.</p></a>
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            <h3>a few words about Bay Spectrum Consulting</h3>
            <h4>Bay Spectrum Consulting is a premier consulting firm focused on college financial aid planning and Student loan repayment planning. We are the Certified College Financial Experts and we provide the full spectrum of college financial needs.</h4> 
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            <p>Bay Spectrum Consulting uses the most up-to-date information and a sophisticated knowledge of complex financial aid system to provide the most effective college application and financial aid planning services for all of our clients. Furthermore, Bay Spectrum Consulting offers easily accessible online consulting services so that families located all over the world can receive professional consulting services at Bay Spectrum Consulting. With college fees increasing every year, we understand that many families are struggling to send their children through four years of college. Bay Spectrum Consulting aims to minimize your financial stress and maximize your financial aid opportunities through our experience and knowledge in college financial planning.</p>
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            <h3>Our Story</h3>
            <h4>A DESIRE FOR MORE SUPPORT AND INNOVATION<br />
            <span style="color:#158423;">A BOLD IDEA FROM KELVIN KIM LEAD TO THE STRESS-FREE SOLUTION FOR COLLEGE FUNDING.</span></h4> 
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            <p>Kelvin Kim is a financial advisor, specializing in retirement and college financial planning. He has 30 years of experience as a leader in the financial industry and international business and has leveraged his knowledge to help many families in designing a customized financial plan that fits their various needs.</p>
            <p>Kim approaches retirement and college savings planning with a “College Funding Balance” concept -- a concept created after realizing that college savings should be a comprehensive, long-term solution, not merely a one-time savings solution. Through the College Funding Balance concept, Kim devises a practical and balanced financial plan for each client based on a thorough analysis of the desired retirement plan and the child’s long term education goals, while taking into account any potential financial aid and scholarship opportunities as well loan repayment options. He hopes that his service could be the stress-free solution to achieving your family’s retirement and education goals.</p>
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            <h3>Our Team</h3>
            <h4>We, Bay Spectrum are the certified college financial experts.  We have 20 years experience in the financial and business development area and 15 years experience in college application and financial aid planning.</h4> 
            <h3 class="top30">Kelvin Kim</h3>
            <img src="image/catalog/kelvin_kim.png" alt="Kelvin Kim @ Bay Spectrum Consulting" class="alignleft">	
            <p>Kelvin Kim is the Founder and President/CEO of Bay Spectrum Consulting, Inc. Kelvin has used his extensive financial background and business development knowledge to help make college affordable for families. His planning with clients includes positioning their finances to maximize financial aid eligibility, structuring their finances to create cash flow for college and taking advantage of little known tax strategies to reduce college expenses.</p>
            <p>Kelvin is also the designer of online-based college planning program that is currently being used by Bay Spectrum Consulting and he created "Family Living Balance" to providethe families  total solution in College savings, Free money for college and building family wealth for parents retirement.</p>
            <p>Prior to co-founding Bay Spectrum Kelvin spent 20 years in the financial and business development arena both in Korean comppanies and US companies as a corporate Chief Financial Officer.</p>
            <p>Kelvin obtained his master’s degree in Economics from Seoul National University in Korea and currently holds professional designations as a  a Certified College Planning Specialist as well as a Certified Financial Advisor.</p>
            <h3 class="top30">Hyoung Kim</h3>
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            <p>Hyoung Kim started his college consulting services in Spectrum College Planning from 2003 where he has developed and managed the very successful Asian Division nationwide. He planned to launch a new buiness in Northern California and joined Bay Spectrum Consulting as a Co-founder.</p>
            <p>Hyoung has an extensive financial background including experience in corporate finance, capital raising, and joint ventures. Hyoung obtained his bachelor’s degree in Economics and Statistics at State University of New York at Buffalo and his MBA at City University of New York at Baruch. He also studied Applied Statistics at Yonsei University in Korea.</p>
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            <h3>Why Bay Spectrum</h3>
            <h4>Bay Spectrum Consulting offers easily accessible online consulting services so that families located all over the world can receive professional consulting services at Bay Spectrum Consulting.</h4>
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            <div class="extra-wrap"><h4>We, the certified college financial experts provides the full spectrum of college finanical needs.</h4></div>
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            <div class="extra-wrap"><h4>We have various options and services with affordable prices, so you can choose any option it suits you.</h4></div>
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            <div class="extra-wrap"><h4>We provide personalized strategies solutions based on income level of each family.</h4></div>
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                    <h4>Customer First</h4>
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                    <h4>Accuracy Timeliness</h4>
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                    <h4>Satisfaction Guaranteed</h4>
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                    <h4>Personalized Consulting</h4>
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