DISTINCTIVE QUALITIES Our Clients are the reason we are here. Serving them with the utmost integrity has always been job one! We make every effort to place the needs of our clients above those of our firm and employees. Our clients' best interests are at the center of all our decisions and are protected to the best of our abilities. Over the years, we have served as financial bodyguards for our clients by protecting them from nefarious individuals and unwise financial decisions.

PERFORMANCE is the scorecard of our work and is tracked for each and every account. Easy to understand, quarterly reports are sent to all clients. Open and closed account returns are combined by investment objective to generate our composite returns. These returns are reported along with a benchmark of excellence, following the guidelines set forth by GIPS® and are examined by an independent third party. For an understanding of GIPS and its importance click here.

We are quite pleased with the long-term performance of our clients' accounts and how they compare to appropriate benchmarks.

SPECIALISTS are important in our complex global economy. Just as specialists exist in medicine, so too do specialists exist in the financial services industry. For example, you would not go to your general doctor if you had a brain tumor. A prudent person would seek the expertise of a qualified brain surgeon. The analogy applies to one seeking to have there investment portfolio reviewed and managed. Why would one go to a generalist, financial planner, instead of a specialist, full-time money manager? During 1993 our firm evolved to full time money management.

EXPERTISE of the employees at our firm includes a Master of Science in Management (i.e., MBA). Our employees have also been quoted in numerous periodicals and publications. We have served as expert witnesses in arbitration proceedings against stock brokers that have wronged others.

Finally, we strive to treat every client as family. For the clients who have been with us from the early 1990's, a special relationship has developed that we value and treasure.

HOW WE DIFFER FROM SOME OF OUR COMPETITORS?

• We do not have a related person that has interests in other companies like broker-dealers, investment companies, other advisors, accounting firms, banking or law firms, insurance companies, pension consultants, so we have no possible conflicts, either actual of perceived.
• We do not have custody of our client's cash or securities.
• We have never been involved in a violation of investment-related regulations of statutes.
• We have never had an order against us in connection with an investment related activity.
• We receive no commission, only your asset management fees.
• We do not publish a list of significant clients on our web-site for confidentiality reasons.
• We do not cross trade our accounts.
• We do not charge set-up fees.
• We do not acquire options, buy on margin, use derivatives, junk bonds, or partnerships.
• We will vote proxies for our clients.