•Determine an individual investment profile based on your particular time horizon, the effect of inflation on your financial goals, and your attitude about investment risk.

•Maximize your returns in line with your risk tolerance, through careful diversification of your investment portfolio. Allocate assets based on your needs and objectives.

•Implement an asset allocation policy by investing in a diversified portfolio of no-load mutual funds, individual stocks, bonds (both taxable and tax-free), certificates of deposit, and other investments.

•Carefully monitor both the return and the risk of each investment in your portfolio, making sure that each one continues to serve your overall investment profile. When necessary, recommendations made for rebalancing or repositioning of your assets.

•Provide periodic reports to you including information on asset values, realized and unrealized gains and losses, dividends, interest and all other transactions. Most important, you will be told of the actual performance of your portfolio in clear, understandable rate of return reports.