““Many record history, Few create wealth.”Many record history, Few create wealth.”

3 Principles to Investing3 Principles to Investing

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By sticking with the basics of investing, you won’t get too far off course.

By sticking with the basics of investing, you won’t get too far off course.

1. Earnings2. Inflation3. Allocation

1. Earnings2. Inflation3. Allocation

InflationInflation

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1968 1978 2007

Is the market fairly priced?

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The Allocation Determines ReturnThe Allocation Determines Return

Based on the study by Gary P. Brinson, Randolph L. Hood, and Gilbert L. Beebower, “Determinants of Portfolio Performance,” Financial Analysts Journal, January/February 1995. The study analyzed data from 91 large corporate pension plans with assets of at least $100 million. Source: Odean, Terrance. “Do Investors Trade Too Much?” July 1997

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Why is Asset Management Important?

•There are over 17,000 Mutual Funds and ETF’s in the market•Do you create an allocation plan, based on yesterday’s Stars?

•There are over 17,000 Mutual Funds and ETF’s in the market•Do you create an allocation plan, based on yesterday’s Stars?

CC0000.024.0304 March 15, 2004

What distinguishes us from the crowd?

What distinguishes us from the crowd?

1.We stick to the basics of investing that have been around for over 100 years.2.We are not just selling someone else’s canned goods, we actually manage no-load mutual funds, act as an advisor to a large institutional Broker/Dealer, and prepare our own in house research and model portfolios.3.Risk and Returns!

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Structured PortfoliosActive Management

Structured PortfoliosActive Management

Active Management is one key to performance. We are continually researching the markets, both equities and debt. We are evaluating our positions on an ongoing basis.

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Tracking Fund ActivityTracking Fund Activity

We know that yesterday’s winners are not always tomorrow’s winners and that Funds change style. We manage Fund drift and make changes in our portfolios accordingly.

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Correcting for ChangesCorrecting for Changes

If we find a change needs to take place in a portfolio, we make it. We are proactive in managing our portfolios.

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Adjusting to Your NeedsAdjusting to Your Needs

We understand the clients need to stay flexible. We will not invest in something that is illiquid or can not be changed on a moments notice. We know your risk levels change.

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Communicating changesCommunicating changes

We are in constant contact with you whether it is weekly emails, monthly letters, quarterly newsletters and statements, you will know how we feel about the market keeping you better informed.

“Few create wealth.”“Few create wealth.”

Creating a portfolio based on your risk tolerance:

Whether you are a risk taker or consider yourself quite conservative, we will create a portfolio of equities and bonds and other assets centered around you. We find most people “think” they are aggressive until the market gets aggressive with them….

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Just Some Final Thoughts.

We would like your business and we will earn it. We know the markets are difficult to navigate on a part-time basis. This is why we are working for you and your family’s wealth full-time.