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• We increase your investment return and lower your investing expenses

• We design your portfolio with a risk level that is right for your needs

• We utilize index funds and exchange traded index funds

• We diversify your portfolio across asset classes that include
                     - Equity and Fixed income
                     - Domestic and International
                     - Growth and Value
                     - Large Cap and Small Cap
                     - Real Estate Investment Trusts

• We do not employ individual stocks and bonds, and we do not take custody of
   your funds

• We rebalance your portfolio to maintain your asset class target percentages,
    thereby buying low and selling high

• We suggest that your only transactions are rebalancing, adding assets and
   withdrawing retirement living expenses

• This philosophy is consistent with the work of Harry Markowitz for which he
    won the 1990 Nobel Prize in economics