BEGIN:VCARD
VERSION:3.0
REV:2026-04-14T13:32:27Z
N;CHARSET=utf-8:Gardner;Nicholas;;;
FN;CHARSET=utf-8:Nicholas Gardner
TEL;WORK:(760) 448-2882
ADR;WORK;POSTAL;CHARSET=utf-8:;;5740 Fleet Street, Suite 120;Carlsbad;CA;92
 008;US
URL:http://www.thefinancialteam.com
END:VCARD