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Cover Page – Item 1

Parker Financial Planning, LLC.

Office address:

33 Market Point Drive 18245 Paulson Drive

Greenville, SC. 29607 Port Charlotte, FL. 33954

T: (864) 477-0223 T: (941) 564-6141

F: (864) 288-4608 F: (941) 206-2201

Primary contact: Chris F. Parker, MS, CFP®

Email: chris@parkerfinancialplanning.com

Website: www.parkerfinancialplanning.com

Form ADV Part 2A Brochure

Parker Financial Planning, LLC is a state registered investment advisor with the South Carolina

and Florida Divisions of Securities. The firm provides services to clients in other U.S. states

under the „de minimus‟ rule which allows a certain number of clients per state before registration

in that particular state is required. Once past the „de minimus‟ new state licensure is required.

An „investment advisor‟ means any person who, for compensation, engages in the business of

advising others, either directly or indirectly or through publications or writings, as to the value of

securities or as to the advisability of investing in, purchasing, or selling securities, or who, for

compensation and as part of a regular business, issues or promulgates analyses or reports

concerning securities. Registration with the SEC or any state securities authority does not imply

a certain level of skill or training.

This brochure updated May 9, 2018 provides information about the qualifications and business

practices of Parker Financial Planning, LLC. If you have any questions about the information

contained within this brochure, please contact us at one of the numbers above. The information

in this Brochure has not been approved or verified by the United States Securities and Exchange

Commission or by any state securities authority. The oral and written communications of an

Adviser provide you with information about which you determine to hire or retain an Advisor.

Additional information about Parker Financial Planning also is available on the SEC‟s

website at www.adviserinfo.sec.gov. The firm‟s IARD number is 147413.

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Item 2 – Material Changes

The firm has amended its previous filing pursuant to its annual update. The fee schedule and

service offerings section has been modified.

For future filings this section of the brochure may address only those material changes that have

been incorporated since the firm‟s last annual update. The firm may at any time update this

document and either send a copy of the updated brochure or provide a summary of material

changes to its brochure and an offer to send an electronic or hard copy form of the updated

brochure.

Clients may also contact the firm for a copy at any time. Clients and prospective clients are

encouraged to review this brochure in entirety and ask any questions at any time prior to or

during engagement.

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Item 3 ‐Table of Contents

Item 1 – Cover page…………………………………………………………………...1

Item 2 – Material Changes…………………………………………………….. ……..2

Item 3 ‐Table of Contents ………….............................................................................3

Item 4 – Advisory Business ..........................................................................................4

Item 5 – Fees and Compensation ................................................................................ 4-6

Item 6 – Performance‐Based Fees and Side‐By‐Side Management .............................6

Item 7 – Type of Clients ..............................................................................................6

Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss .....................6-7

Item 9 – Disciplinary Information ...............................................................................7

Item 10 – Other Financial Industry Activities and Affiliations ...................................7

Item 11 – Code of Ethics ..............................................................................................7

Item 12 – Brokerage Practices .....................................................................................10

Item 13 – Review of Accounts ....................................................................................10

Item 14 – Client Referrals and Other Compensation ..................................................10

Item 15 – Custody .......................................................................................................11

Item 16 – Investment Discretion .................................................................................11

Item 17 – Voting Client Securities ..............................................................................11

Item 18 – Financial Information ..................................................................................11

Item 19 – Requirements for State‐Registered Advisers ..............................................12

Part 2B – Brochure Supplement (Advisory Personnel)………………………...........13-16

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Item 4 – Advisory Business

Parker Financial Planning (hereafter referred to as „the firm‟ in this brochure) is an independent

fee-for-service registered investment advisory and personal financial planning firm. The firm

began providing investment advisory services in 2008. Chris F. Parker, MS, CFP® is the

Managing Member, primary advisor and 100% owner of the firm.

The firm has been designed to meet the lifestyle needs of Gen X and Y clients. It is location

independent offering services primarily via phone, email, and videoconference with in-person

appointments based on availability and client location to company offices. The firm goes to the

client through one of these methods based on the client preference.

The firm offers a-la-carte personal financial planning services based on the life stage and needs

of each particular client. The client chooses which services are the best match for their needs

after an initial free, no obligation consultation.

To serve the investment needs of our clients, the firm maximizes the expertise of some of the

largest investment management firms in the world including Dimensional Fund Advisors (DFA).

Chris F. Parker, MS, CFP® and the firm have been approved since 2011 to provide DFA funds

to clients. DFA funds are not available directly to the public. They are only available through a

network of approved Registered Investment Advisors or to institutional investors such as large

pensions, corporations, or endowments. DFA is one of the largest investment firms in the world

with $518 billion in assets under management as of 2017. The firm provides assets under

advisement and account oversight services.

Item 5 – Fees and Compensation

A free, no-obligation initial consultation is provided to discover the needs of the client and

discuss firm services that would be applicable to meet those needs.

► Investment Management: No minimum assets required. Minimum fee of $3,000 per year

applies. This may be paid from an investment account on the following schedule or on a

monthly subscription service of $250/month:

Assets under advisement Advisory/Service Fee

First $500K 1.00%

Next $500K .75%

Next $1MM .50%

Above $2MM negotiable

Asset-based fees are charged on a blended tier. For example, an account with assets of $625,000

will be charged an annualized asset-based fee of 1.00% on the first $500K and the remaining

$125K would be assessed a lower tier fee of .75%. The initial quarter also includes a one-time

upfront fee .25% of the account balance for new account setup, portfolio creation and purchase.

For example, a $300K new account would be charged $300K x .0025= $750.

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Fees are billed quarterly, in arrears, and are based on the amount of assets under advisement on

the last day of the prior quarter by the custodian.

Payment of portfolio management fees will be deducted by the qualified custodian holding the

client funds and securities, provided the following requirements are met:

1) Authorization is received, in writing, permitting your fees to be paid directly from your

account held by the qualified custodian.

2) A copy of the invoice is provided to you in advance of fee deduction by the custodian.

3) The custodian provides you a statement at least quarterly showing all transactions made

within the account. No separate copy will be provided by the firm.

► Personal financial planning (‘staying on track’ service): For clients seeking an ongoing

relationship with regular monitoring of movement towards goals by CFP®. Included OR

discounted for investment management % of assets and subscription clients. Monthly

subscription available and is dependent upon the ongoing needs of the client, an estimate of

planner time, and is negotiable. Subject to a minimum fee of $175 per month.

► Project-based: Personal financial plan development. Quote is dependent upon complexity

of client situation. Once project is complete, client initiates contact with planner as needed on an

hourly-based or new project agreement.

► Hourly-based: range of $150-$250 per hour dependent upon type of advice requested.

Quote provided after free, no-obligation initial consultation to determine type of advice.

Upon execution of a new client agreement, the firm requires the prepayment of the lessor of 50%

of the total fee or $500 upon execution of the agreement. This initial payment is credited

towards the amount due for the service selected. Remaining balance due after service rendered.

Either party may terminate an engagement upon written notice within 5 days of signing the

Client Advisory Agreement. No fees are due if the contract is terminated within the 5 day period.

If the Client terminates the agreement after the 5 day period, they are responsible for fees for any

work that is performed.

Firm fees are exclusive of any fee charged by the custodian of the investment accounts. These

may include brokerage commissions, transaction fees, and other related costs and expenses

which shall be incurred by the client. None of these fees are paid to the firm or its advisors.

Clients may incur certain charges imposed by custodians, brokers, third party investment and

other third parties such as fees charged by managers, custodial fees, deferred sales charges, odd

lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on

brokerage accounts and securities transactions. Mutual funds and exchange traded funds also

charge internal management fees, which are disclosed in a fund‟s prospectus. Such charges, fees

and commissions are exclusive of and in addition to the Advisor‟s fee, and the Advisor shall not

receive any portion of these commissions, fees, and costs.

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Item 12 further describes the factors that the firm considers in selecting

or recommending broker‐dealers for client transactions and determining the reasonableness of

their compensation (e.g. commissions).

Item 6 – Performance‐Based Fees and Side‐By‐Side Management

The firm does not charge any performance‐based fees (fees based on a share of capital gains on

or capital appreciation of the assets of a client).

Item 7 – Types of Clients

The firm generally works with on-the-go Gen X and Y professionals and families that need

flexible options in how they work with an Advisor. The firm is location independent offering

services via phone, email, videoconference or in-person if available. Legacy clients not included

in Gen X/Y remain with the practice. Non-X/Y clients may be accepted at planner discretion.

Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss

The firm uses the following method of analysis and investment strategies:

The Planner/Advisor will evaluate your current financial situation, needs, goals, objectives

and tolerance for risk based on the information you provide.

The first step in the Advisory Agreement relationship is an Investment Policy Statement

preparation meeting between the planner and the client(s) to determine financial goals,

appropriate risk tolerance, income needs, and any other pertinent factors necessary to effectively

manage the client‟s resources. Also at this time, planner will obtain necessary information to

open the appropriate accounts through Folio Institutional, Inc. and gather enough information for

setup client on personal website.

Next, planner will assist client(s) with the transfer of the investment accounts from other

providers or custodians.

needs of client through the Investment Policy Statement, planner will develop an initial portfolio

for the client and begin active management of the account. By this time, client should have been

verified by planner to be able to log in to their personal website at Folio Institutional for review

of their account at their convenience.

Client understands that they may contact planner at any time with regard to their accounts if they

have any questions or concerns. Contact with client is normally infrequent for investment

management with annual reviews conducted to review performance and updates on any material

changes in the relationship or client circumstances. Planner also will contact client normally via

email as needed to effectively manage the client accounts and to provide service.

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The firm focuses on a client‟s long-term financial goals and attempts to meet these goals

through effective asset allocation which may comprise of a Tactical Asset Allocation or a

Strategic Asset Allocation approach depending upon market conditions.

Chris F. Parker, MS, CFP® and the firm are an approved provider of Dimensional mutual funds

(DFA) since 2011. DFA funds are no load funds that are only available to institutional investors

or clients of an approved Registered Investment Advisor.

The firm uses third party institutional investment managers to manage client investable assets.

The advisor is responsible for fund selection, making changes in funds due to a change in client

circumstances, rebalancing of portfolios, and keeping up-to-date on performance and

management changes of the selected investment funds.

The firm may also utilize Exchange Traded Funds (ETF‟s) and/or other no load mutual funds to

meet a client‟s investment objectives. A combination of these is typically used for proper asset

allocation.

The Advisor does not recommend or utilize frequent trading of securities, market timing,

options trading and speculation. The firm works with clients desiring the assistance of a advisor

to meet their long-term financial objectives. The firm believes in effective and proper asset

allocation based on Modern Portfolio Theory and employs strategies with this objective in mind.

While we believe our investment strategy is designed to potentially produce the highest possible

return for a given level of risk, we cannot guarantee that an investment objective or goal will be

achieved. Some investment decisions made by us may result in loss, which may include the

original principal amount invested. The Client must be able to bear the various risks involved in

investing, which may include market risk, security risk, liquidity risk, interest rate risk, currency

risk or political risk among others.

Item 9 – Disciplinary Information

Registered investment advisers are required to disclose all material facts regarding any legal or

disciplinary events that would be material to your evaluation of the firm. The Advisor has no

information applicable to this Item.

Item 10 – Other Financial Industry Activities and Affiliations

The firm may provide referrals to other professionals such as CPAs, attorneys, insurance agents,

etc. as a service to Clients. We do not have any agreements with and do not receive referral fees

from other Advisors.

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Item 11 – Code of Ethics

The firm has adopted a Code of Ethics that sets forth the policies of ethical conduct for all

personnel and accepts the obligation not only to comply with the mandates and requirements of

all applicable laws and regulation but also to take responsibility to act in an ethical and

professionally responsible manner in all professional services and activities. The firm‟s policies

include the prohibition against insider trading, circulation of rumors, certain political

contribution activities, among others.

Firm personnel that are CFP® designees also adhere to the Certified Financial Planner Board of

Standards and Code of Ethics. These principles include:

Principle 1 – Integrity

An advisor will provide professional services with integrity. Integrity demands honesty and

candor which must not be subordinated to personal gain and advantage. Advisors are placed by

clients in positions of trust by clients, and the ultimate source of that trust is the advisor‟s

personal integrity. Allowance can be made for innocent error and legitimate differences of

opinion; but integrity cannot coexist with deceit or subordination of one‟s principles.

Principle 2 – Objectivity

An advisor will provide professional services objectively. Objectivity requires intellectual

honesty and impartiality. Regardless of the particular service rendered or the capacity in which

an advisor functions, an advisor should protect the integrity of their work, maintain objectivity

and avoid subordination of their judgment.

Principle 3 – Competence

Advisors will maintain the necessary knowledge and skill to provide professional services

competently. Competence means attaining and maintaining an adequate level of knowledge and

skill, and applies that knowledge effectively in providing services to clients. Competence also

includes the wisdom to recognize the limitations of that knowledge and when consultation with

other professionals is appropriate or referral to other professionals necessary. Advisors make a

continuing commitment to learning and professional improvement.

Principle 4 – Fairness

Advisors will be fair and reasonable in all professional relationships. Fairness requires

impartiality, intellectual honesty and disclosure of material conflict(s) of interest. It involves a

subordination of one‟s own feelings, prejudices and desires so as to achieve a proper balance of

conflicting interests. Fairness is treating others in the same fashion that you would want to be

treated and is an essential trait of any professional.

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Principle 5 – Confidentiality

Advisors will protect the confidentiality of all client information. Confidentiality means ensuring

that information is accessible only to those authorized to have access. A relationship of trust and

confidence with the client can only be built upon the understanding that the client‟s information

will remain confidential.

Principle 6 – Professionalism

Advisors will act in a manner that demonstrates exemplary professional conduct. Professionalism

requires behaving with dignity and courtesy to all who use their services, fellow professionals,

and those in related professions. Advisors cooperate with fellow advisors to enhance and

maintain the profession‟s public image and improve the quality of services.

Principle 7 – Diligence

Advisors will provide professional services diligently. Diligence is the provision of services in a

reasonably prompt and thorough manner, including the proper planning for, and supervision of,

the rendering of professional services. Not all organizational duties are segregated; however, the

firm employs policies and procedures to ensure timely, accurate record keeping and supervision.

Certain functions may be outsourced to assist in these efforts when/as necessary.

All material conflicts of interest are disclosed to clients prior to and throughout the term of an

engagement that will or may reasonably compromise the firm‟s impartiality or independence.

The firm periodically reviews and amends its Code of Ethics to ensure currency; all firm access

persons are required no less than annually to attest to their understanding and adherence.

Parker Financial Planning will provide a copy of its Code of Ethics to any client or prospective

client upon request.

Privacy Policy

A copy of the firm‟s privacy policy notice will be provided to each client prior to, or

contemporaneously with, the execution of an engagement agreement. The firm will notify its

clients annually of its privacy policy and at any time, in advance, if its privacy policy is expected

to change.

Participation or Interest in Client Transactions

Neither the firm nor any related person are authorized to recommend to a client, or effect a

transaction for a client, involving any security in which the firm or a related person has a

material financial interest, such as in the capacity as an underwriter, adviser to the issuer, etc.

Additionally, employees are prohibited from taking or providing a loan from a client unless it is

an approved financial institution or the natural person is an immediate family member

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Personal Trading

The firm and its related persons may buy or sell securities similar to those recommended to

clients for their accounts. The firm may also make recommendations or take action with respect

to investments for its clients that may differ in nature or timing from recommendations made to

or actions taken for other clients or its employees.

However, at no time will the firm or any related party receive preferential treatment over its

clients. In an effort to reduce or eliminate certain conflicts of interest involving personal trading,

firm policy may require the utilization of published lists that restrict or prohibit transactions in

specific reportable securities transactions.

Any exceptions or trading pre‐clearance must be approved by the firm principal in advance of

the transaction in any related person‟s account. The firm maintains the required personal

securities transaction records per regulation.

Item 12 – Brokerage Practices

The firm is not affiliated with any bank, custodian or broker/dealer firm directly except for a

Registered Investment Advisor relationship with Folio Institutional, Inc. The firm does not

receive any compensation from Folio Institutional, Inc.

The firm utilizes the custodial, trading, and record keeping services of Folio Institutional, Inc. for

client investment advisory accounts. At no time does the firm or personnel take physical

possession of client funds. All funds are held by a third party custodian, Folio Institutional, Inc.,

a SIPC insured broker/dealer with additional insurance coverage through Lloyd‟s of London.

The firm prefers that clients open accounts at our selected broker/dealer and custodian, Folio

Institutional, Inc. in order to provide assets under advisement services. This simplifies billing for

clients. However, other custodians may be used upon firm approval with manual billing if

necessary.

Item 13 – Review of Accounts

The firm recommends annual reviews for the following reasons:

Update of changes in client financial circumstances

To ensure that clients are on track to meet their goals.

Changes to the asset allocation of an investment portfolio

To take advantage of any tax planning opportunities.

Item 14 – Client Referrals and Other Compensation

No compensation is paid or received by the firm for client referrals.

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Item 15 – Custody

The firm does not take custody of client cash, bank accounts or securities. For ongoing clients,

client assets are held by SIPC insured custodian Folio Institutional, Inc.

ww.folioinstitutional.com.

Clients that choose ongoing portfolio management and open accounts through Folio Institutional,

Inc. receive their own client website with a personal client File Cabinet that allows clients 24/7

access to account information, statements, and any other pertinent information. Clients receive

an „Advanced Billing Report‟ before a fee due to the firm is deducted from their investment

account per the Advisory Agreement.

The firm request clients to carefully review these statements provided by Folio Institutional via

their personal File Cabinet and contact us is any questions arise.

Item 16 – Investment Discretion

Discretionary account management is used in order for planner/advisor to make timely

investment decisions based on current economic conditions. The firm provides these assets

under advisement services based on the client goals and objectives described in the client

Investment Policy Statement. Clients have 24/7 access to account information and transaction

history via a personal client website through Folio Institutional and may contact planner/advisor

at any time they have questions and/or concerns.

Item 17 – Voting Client Securities

The firm does not have any authority to and does not vote proxies on behalf of advisory clients.

Clients will receive an email directly and a copy in their personal Folio Institutional File Cabinet

regarding such announcements.

Clients retain the responsibility for reviewing and voting proxies for any and all securities

maintained in client portfolios. The firm may provide advice to clients regarding the clients‟

voting of proxies if requested by client.

Item 18 – Financial Information

Registered investment advisers are required in this Item to provide you with certain financial

information or disclosures about the firm‟s financial condition.

At this time, the firm nor its owner has any financial commitment‟s that impair its ability to meet

contractual and fiduciary commitments to clients, and has not been the subject of a bankruptcy

proceeding.

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Item 19 – Requirements for State‐Registered Advisers

This item requires State Registered Investment Advisers to provide you with certain information

or disclosures about the principals of the firm.

Please refer to ADV Part 2b for this information.

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Part 2B – Brochure Supplement (Advisory Personnel)

Chris F. Parker, MS, CFP® #100828

Parker Financial Planning, LLC

chris@parkerfinancialplanning.com

Offices:

33 Market Point Drive 18245 Paulson Drive

Greenville, SC. 29607 Port Charlotte, FL. 33954

T: (864) 477-0223 T: (941) 564-6141

F: (864) 288-4608 F: (941) 206-2201

By appointment only

Website: www.parkerfinancialplanning.com

May 9, 2018

This Brochure Supplement provides information about Chris F. Parker and supplements the

Parker Financial Planning, LLC Brochure. You should have received a copy of that Brochure.

Please contact Chris Parker, Principal if you did not receive or if you have any questions about

the contents of this supplement.

Additional Information about Chris F. Parker is available on the SEC‟s website at

www.adviserinfo.sec.gov. Click on the “Investment Adviser Search” link and then search for

“Investment Advisor Representative (IAR)” using “Chris Parker”.

Item 2‐ Educational Background and Business Experience

Name: Chris F. Parker (Born 1969)

Title: Client Advisor & Principal

Formal Education:

Master‟s degree (MS) in Personal Financial Planning (2017)

Graduate of the Master Planning Advanced Studies program,

College for Financial Planning.

BBA. Marketing/Economics University of Kentucky 1992.

CERTIFIED FINANCIAL PLANNER™ program graduate,

College for Financial Planning (2005)

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Business Background:

Parker Financial Planning, LLC., Principal/owner (2008-Present)

Southern New Hampshire University, Adjunct Faculty-Finance, College of Online and CE,

(2017- Present)

SunTrust Wealth Management, Vice President/Client Advisor (2005-2008)

Memberships/Associations:

XY Planning Network

National Association of Personal Financial Advisors (NAPFA)

Certified Financial Planner Board of Standards. CFP ID#100828

Registered Investment Advisor #147413

Professional Designations:

Certified Financial Planner, CFP® (2005)

The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame

design) marks (collectively, the “CFP® marks”) are professional certification marks granted in

the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires

financial planners to hold CFP® certification. It is recognized in the United States and a number

of other countries for its

(1) high standard of professional education;

(2) stringent code of conduct and standards of practice; and

(3) ethical conduct that require professional engagements with clients.

Currently, more than 62,000 individuals have obtained CFP®

certification in the United States.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following

requirements:

Education – Complete an advanced college-level course of study addressing the financial

planning subject areas that CFP Board‟s studies have determined as necessary for the competent

and professional delivery of financial planning services, and attain a Bachelor‟s Degree from a

regionally accredited United States college or university (or its

equivalent from a foreign university). CFP Board‟s financial planning subject areas include

insurance planning and risk management, employee benefits planning, investment planning,

income tax planning, retirement planning and estate planning;

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Examination – Pass the comprehensive CFP® Certification Examination. The examination,

administered in 10 hours over a two-day period, includes case studies and client scenarios

designed to test one‟s ability to correctly diagnose financial planning

issues and apply one‟s knowledge of financial planning to real world circumstances:

Experience – Complete at least three years of full-time financial planning-related experience

(or the equivalent, measured as 2,000 hours per year): and

Ethics – Agree to be bound by CFP Board‟s Standards of Professional Conduct, a set of

documents outlining the ethical and practice standards for CFP® professionals. Individuals who

become certified must complete the following ongoing education and ethics requirements in

order to maintain the right to continue to use the CFP® marks:

Continuing Education – Complete 30 hours of continuing education hours every two years,

including two hours on the Code of Ethics and other parts of the Standards of Professional

Conduct, to maintain competence and keep up with developments in the financial planning field:

and

Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The

Standards prominently require that CFP® professionals provide financial planning services at a

fiduciary standard of care. This means CFP® professionals must provide financial planning

services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be

subject to CFP Board‟s enforcement process, which could result in suspension or permanent

revocation of their CFP® certification.

Item 3‐ Disciplinary Information

Registered investment advisers are required to disclose all material facts regarding any legal or

disciplinary events that would be material to your evaluation of each supervised person

providing investment advice. No information is applicable to this Item.

Item 4‐ Other Business Activities

In addition to the operation of his practice, Chris F. Parker is Adjunct Faculty at Southern New

Hampshire University (SNHU) teaching online courses including: Personal Financial Planning,

Advanced Personal Financial Planning, Wealth Management, Risk Management & Insurance,

and Investment Analysis.

Item 5‐ Additional Compensation

Chris F. Parker does not accept or receive additional economic benefit (i.e. sales awards or other

prizes) for providing advisory services to clients.

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Item 6 ‐ Supervision

Chris Parker serves in the following capacities for Parker Financial Planning, LLC.

Principal

Financial Planner

Investment Adviser

Our chosen custodian of client accounts, Folio Institutional, Inc. maintains all client account

records, statements, billing reports, and trading activity reports. These reports are available 24/7

via the client‟s personal File Cabinet through Folio Institutional client website. For additional

questions regarding Folio Institutional, Inc. services, you may call client services at (888) 485-

3456.

Policies and procedures ensure timely and accurate recordkeeping and supervision, including

outsourcing certain functions to qualified entities to assist in these efforts when necessary.

Item 7‐ Requirements for State‐Registered Advisers

This item requires Registered Investment Advisors to provide you with certain financial

information or disclosures:

No past, current or pending arbitration settlements

No past, current or pending civil or criminal actions

No past, current or pending personal bankruptcy proceedings

Questions about Parker Financial Planning, LLC, its personnel, its services or this document may

be directed to Chris F. Parker at chris@parkerfinancialplanning.com.