We believe that an effective investment program is built upon several fundamental factors:

      1.  Effective communication between advisor and client

Your investment program should be based on your individual goals and risk tolerance.  In
order for that to happen, we have to understand your particular needs, and you have to understand how our investment recommendations will meet those needs.

     2.  Diversification

Combining investments from various categories such as stocks, bonds and real estate, can reduce fluctuations and losses.  Exposure to a wide variety of investment classes also can increase long-term returns.

     3.  Extensive research on fund selection

Before we invest your money in a mutual fund, we thoroughly research its long-term track record, manager, fee structure and record in downturns.  We strive to use only funds that have superior records versus their respective indexes.

     4.  Long-term outlook

In the short-term, both stocks and bonds can be extremely volatile.  Historically, the risk from high return assets has diminished greatly over long time periods (ten to fifteen years).  Time is a key element in successful investing.

     5.  Ongoing performance reporting and review

Your investment program will change over time due to economic factors as well as your changing needs.  An ongoing framework of communication between you and your advisor is crucial to managing those changes