We believe that the best way to invest is by allocating assets across a diverse group of asset classes. We use the four basic asset classes of:

• cash
  
• fixed income
  
• domestic equity
  
• international equity

How assets are allocated across these broad categories is a reflection of our clients' tolerances for risk as well as their goals, objectives and time horizons.

We use a mix of stocks, individual bonds and no-load mutual funds to build portfolios.

We do not have model portfolios, but rather tailor each portfolio to meet the needs of our client. Investment recommendations are made in the context of the client's overall plan and stated tolerance for risk. No attempt is made to "time the market".