BEGIN:VCARD
VERSION:2.1
N:Casperson;Heather
FN:Heather Casperson
ADR;WORK;PREF:;;45 South 7th St.  Suite 2950;Minneapolis;MN;55402;
ORG:PFM Financial Advisors LLC
URL;WORK:www.pfm.com
TITLE:Senior Managing Consultant
TEL;WORK;VOICE:612.371.3753
TEL;CELL:
TEL;FAX;WORK:
EMAIL;PREF;INTERNET:caspersonh@pfm.com
PHOTO;ENCODING=BASE64;TYPE=JPEG:
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



END:VCARD