WHAT ARE THE STEPS FOR US TO HELP YOU?

We offer one service which explores both investment management and financial planning. This guides our clients to Wealth in Balance^®. Here are the steps:

Step One Financial Analysis
We believe that the foundation for creating Wealth in Balance^® begins with proper financial analysis. Our program provides a detailed roadmap for your financial needs. Clients have different needs and therefore the financial analysis is based on your individual circumstances. Before you are ready to invest your assets, you may desire information on any of the following:

• Cash Flow Analysis (budgeting)
• Net Worth Analysis
• Education Funding Projection
• Retirement Funding Projection
• Age 70 ½ Required Minimum Distribution Analysis
• Insurance Inventory
• Tax Planning
• Estate Planning

Step Two Portfolio Strategy
We believe that a well designed portfolio strategy is the next critical step to Wealth in Balance^®. We use Asset Allocation as the cornerstone of our investment management philosophy. We utilize the information from our Step One Financial Analysis to help us understand your needs, concerns and challenges about your money. We incorporate this information into an Investment Policy Statement for you.

Step Three Account Establishment
We believe that the more organized accounts are, the more easily clients understand what they own and why! We therefore strive to simplify the number of accounts and account registrations that you maintain. We custody all accounts at Charles Schwab.

Step Four Account Positioning
After all accounts have been simplified and consolidated, we begin the process of account positioning. This is a long term process of ensuring that the investment portfolio complies with the Investment Policy Statement. During this analysis, we consider your desire to hold or sell certain positions, tax implications, market and economic conditions. This is not a rapid process, but rather an intensive, thorough, sensitive consideration of your situation.

Step Five Account Monitoring
We have a high level of focus on you achieving Wealth in Balance^®. We pride ourselves on our high energy and our close associations with our clients. We stay in touch by:

• Providing daily supervision of the portfolios that we manage.
• Providing regular commentary on markets, economies, taxation, etc. on our website.
• Charles Schwab provides monthly statements on all accounts. Clients receive these and so do we.
• Providing quarterly reports about account progress and other information of interest.
• Requiring, at a minimum, an annual account review.
• Being consistently available by phone, email, fax or appointment.