Save the date for our Winter Super Seminar on Tuesday, Nov. 16 in Spencer, Iowa.  Sponsored by Rabo Bank.   Dinner will begin at 5:30, followed by the program at 6:30.  Tentative schedule.  Check back later to confirm dates and times.  The $50 seminar fee (including dinner) will be waived for current Kluis and Kluis Affiliate Consulting clients.  Please RSVP at (888) 345-2855.