BEGIN:VCARD
VERSION:3.0
REV:2026-05-09T00:06:57Z
N;CHARSET=utf-8:Hovis;Jay;;;
FN;CHARSET=utf-8:Jay Hovis
TEL;WORK:760-431-3040
ADR;WORK;POSTAL;CHARSET=utf-8:;;1917 Palomar Oaks Way – Suite 130;Carlsbad;
 CA;92008;US
URL:https://financialfocusllc.com/
END:VCARD