Who We Are 

• an independent Registered Investment Advisor (RIA) 
  • this means we’re not beholden to a large corporate agenda 
  • this also means that we’re held to the higher “fiduciary” standard 

Investment Management 

• we offer a wide array of investment options
   
• we manage your accounts in house, which… 
  • allows for a deeper knowledge of your investments 
  • allows us to efficiently 
    • respond to changes in the investment environment 
    • incorporate investment innovations 
  • helps keep client fees low
     
• exclusive use of fee-based options 
  • none of our funds or annuities have a surrender charge 
  • investments are easy to exit & without cost 
     
• Exchange Traded Funds (ETFs) 
  • are used extensively 
  • are more tax efficient than mutual funds 
  • are typically less costly to hold than mutual funds 
  • are more flexible in their usage 
     
• Technical Analysis 
  • employs the usage of price-based statistics for tracking investments 
  • while simple, it is powerful in helping to determine how to invest 
  • is a tool many advisors don’t use 

Our Fees 

• are typically lower than our competitors 
• are not tiered – 
  • as the dollars under our management rise, … 
  • your fee can decline not only as a %, but more importantly, in dollars 

Client Service 

• full service financial planning – provided at no extra charge 
• unlike some, we are not constrained as to the service we can offer our clients 
• technology 
  • we are committed to providing it so that you can more easily track your 
     ◊   cashflow   ◊   investments   ◊   progress toward goals   ◊   more