About Us There are plenty of "experts" on TV, writing in newspapers and magazines or selling their latest book advising people on the best way to invest their money. How is the average investor to know what works and what doesn't? Can you meet face-to-face with these "experts" and discuss your individual situation? Does their advice cover allsituations, like yours?We get to know our clients individually and understand their financial situation, learntheir goals, needs and tolerance to risk. We base our investment advice on time testedacademic research that consistently works the long haul. Does it pay to chase the hotstock, the best performing mutual fund or the latest hot market segment? Can you timethe market and beat your benchmark? When is it appropriate to get out of the market andmove to cash? When will you get back in? The answers to these questions may surprise you.We apply modern portfolio theory to your investments to give your investments a betterrisk-adjusted rate of return and to guide you to achieve your goals through good marketsand bad. We will meet with you throughout the year to discuss your portfolio and makeadjustments as necessary to account for changing needs and situations. We are just aphone call away should you need to talk about your situation or concerns.By getting to know you, we are able to examine the "Big Picture" and guide you tofinancial success utilizing Wealth Accumulation/Management strategies, creatingguaranteed sources of income and assuring lifestyle protection through a broad selection of managed investment and insurance products.