Save the date for our Winter Super Seminar on Thursday, Nov. 18 in Willmar, Minn.  Sponsored by Rabo Bank.   Dinner will begin at 5:30, followed by the program at 6:30.  Tentative schedule.  Check back later to confirm location, date and time.  The $50 seminar fee (including dinner) will be waived for current Kluis and Kluis Affiliate Consulting clients.  Please RSVP at (888) 345-2855.