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Our Philosophy:

What we do:
● Listen and understand client objectives. We individualize your situation as no two of our clients are

invested identically.
● Establish an appropriate and agreed upon long-term asset allocation.
● Implement a written investment policy statement.
● Coordinate regular communications with you in writing, electronically and in person.
● Monitor the asset allocation and underlying investments as personal and economic circumstances

change.

● Ensure equity and fixed-income portions of accounts are properly diversified amongst various

different major market segments.
● Re-balance holdings in light of changing client circumstances and fluctuating market cycles.
● Report back to you and meet with you as needed.
● Most importantly, we do not offer any other services beyond investment advice. As a result, we

   are able to independently collaborate with your other professionals including your attorney,

accountant, insurance broker, and banker.

What we don’t do:
● Use models or a “one strategy fits all clients” approach
● Attempt to time the markets
● Short-selling of securities, which is a high risk tactic
● Use options or derivatives

How are we different?
We implement very diversified strategies for our clients using carefully researched no-load mutual funds. However, we are very cautious to utilize funds that have competitive fees, a proven investment style and professional management staff. In addition, we often employ for our client’s portfolios such vehicles as index funds and Exchange Traded Funds (ETF’s) to obtain diversification at a very low cost. We are strong believers in utilizing these types of vehicles for our clients.

Types of accounts currently under management:
● Investment Advisory
● Trusts
● Defined Contribution Plans including 401ks and 403bs
● Traditional, Roth, and SIMPLE IRAs
● 529 Plans for children’s education savings
● Corporate accounts
● Charitable funds

Quarterly Newsletters to Clients:
● Quarter 4, 2011
● Quarter 3, 2011
● Quarter 2, 2011
● Quarter 1, 2011
● Quarter 4, 2010
● Quarter 3, 2010
● Quarter 2, 2010
● Quarter 1, 2010
● Quarter 4, 2009
● Quarter 3, 2009
● Quarter 2, 2009
● Quarter 1, 2009
● Quarter 4, 2008
● Quarter 3, 2008
● Quarter 2, 2008
● Quarter 1, 2008
● Quarter 4, 2007
● Quarter 3, 2007
● Quarter 2, 2007
● Quarter 1, 2007