BEGIN:VCARD
VERSION:3.0
REV:2026-04-16T00:37:46Z
N;CHARSET=utf-8:Dowd;David;;;
FN;CHARSET=utf-8:David Dowd
TEL;WORK:(973) 582-0000
ADR;WORK;POSTAL;CHARSET=utf-8:;;17 Norman Rd;Montclair;NJ;07043;US
URL:http://www.dowd-financial-planning.com
END:VCARD