Investment Management NEVER GENERALIZED, ALWAYS PERSONALIZEDDon’t Accept Generalized Advice. Everyone’s Situation Is Different. We’ll take the time to get to know you and provide advice based on your individual situation.PASSIVE & LOW-COSTNo one can consistently time the market. It is proven to fail when tested over long periods of time. We try to use passive, low-cost investments that consistently perform in the top 30 percentile of their peers.BROAD MARKET EXPOSURE – DIVERSIFICATIONNot individual stocks or bonds, but we can offer investments with exposure to various companies and countries outside of the United States. International investments are subject to the special risks associated with investments in foreign securities, such as erratic market conditions, economic and political instability and currency exchange rate fluctuations.CASH IS KING, Cash Flow trumps volatility and prevents bad habits. Our goal is to let our clients be able to feel the confidence of the cash flow generated rather than the stress of worrying about their daily account balances. UTILIZE GUARANTEES ONLY WHEN NEEDED.Guaranteed income is truly necessary to meet your objectives. Guarantees are based on the insurers ability to pay.EXECUTE ON THE PLAN, TUNE OUT THE NOISE, IGNORE THE MEDIA and BE DISCIPLINED.Our strategies are clearly focused on your personal goals with an understanding of your fears and aspirations, not a return number we compare to our peers. Our focus is not beating the *S&P 500! The *S&P 500 is not our client, you are!MONITOR PROGRESSWe’ll meet with you as frequent as you need, to review our progress and make changes. The planning process is dynamic and will change from time to time as life needs change – we’ll be by your side the entire way.*S&P 500 Index: Is an unmanaged capitalization-weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries.