• professional money managers, who are paid on a fee basis, can do the best job of preserving capital and increasing asset value.
• investor funds should be diversified in a number of investment categories to help reduce risk.
• money managers with many years' experience in all kinds of economic conditions can deliver superior performance.
• in staying the course. Great companies that are industry leaders have the ability to recover from market downturns. Although market movements are notoriously unpredictable, solid well managed companies tend to be quite resilient.
• in tax efficient strategies that help you keep more of what your investments earn.
• investment decisions should be based on a company's value, not market highs and lows.

While we employ state-of-the-art technology for independent research and unbiased investment recommendations, we believe in face-to-face relationships with our clients.

We have found that personal interaction is a part of our culture that does not, and can not, come from a computer. Since sound investment advice requires that it be tailored to the needs of the individual investor, we are always available to discuss financial decisions and concerns with our clients.

The reports to our clients are both timely and readable and our client's comments are always welcome.

Up front, we will always inform you of the fees and / or commissions we earn for our services. There are no surprises.

Special services you may request may come with additional fees for our time and expertise. You will always be informed in advance of these charges, if any.

• Corporate Retirement Plans
• Executive Compensation Plans
• Tax advantage College Savings Plans / 529 Plans
• Life Insurance
• Tax Deferred Annuities
• 401 (k) Plans
• IRA's / IRA Rollovers / Roth IRA's
• Mutual Funds
• Annuities