Building Client Relationships

• Mission & Approach to Client Service
• Fee-Based Services

Client Service Principles

• Personal Service
• Conservative Management
• Flexibility
• Diversity of Asset Classes
• Affordable Fees

Investment Strategy

• Stock Selection
• Bond Investing
• Your Asset Growth

How We Work With You

• Investment Management Process
• Fees
• Principals & Board of Directors

Privacy Notice

Your privacy is important to us.  While information is the foundation of our business, our most important asset is your trust.

Gramm-Leach-Bliley Act

The Securities and Exchange Commission (SEC) Rules under this act require us:

• To provide notice to you describing our privacy policies and practices,
• To not disclosing any nonpublic personal information to non-affiliated third parties unless you have a reasonable opportunity (to "opt-out), and
• To adopt procedures to safeguard your privacy

This notice applies to individuals, not businesses or corporations, and to former clients.  It will be distributed to you when you open an account, and an annual notice will be distributed to you as a part of our annual portfolio appraisal.

• Our Policies and Practices
1. We safeguard, according to strict standards of security and confidentiality, any information you share with us.
2. We limit the collection and use of your information to the minimum we require to deliver superior service to you to administer our business, which includes advising you about our products, services and other opportunities.
3. We permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information.  Employees who violate our privacy standards will be subject to our normal disciplinary process.
4. We will not reveal customer information to any external organization unless we have previously informed you in disclosures or agreements, have been authorized by you, or are required to make such disclosure by law or by our regulators.
• Nonpublic personal information we may disclose subject to your option to "Opt Out"
1. Information we receive from you on applications or other forms, such as your name, address, and telephone number,
2. Information about your transactions with us, our affiliates, or non-affiliated third parties, such as your account balances, payment history, and account activity,
3. Information we receive about you from other sources, such as your employer and other third parties.
• We do not disclose any nonpublic personal information listed in "B" about you or our former clients, except to non-affiliate third-party companies who provide us services or as permitted by law or by our regulators.
1. Custodial brokers
2. Computer service companies
3. Portfolio systems software companies
4. General administrative service companies

We require them to agree to secure the privacy of your nonpublic information we share with them which is essential to our business.

• If we intend to disclose non-public personal information such as that set forth in "B" to persons other than those set forth in "C", we will so notify you in advance and give you an opportunity to "opt out" of such disclosure.