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Portfolio Management Process

Our Portfolio Management Process combines both securities and investment advisory services. Creating and managing your portfolio is a four-step process:

FIRST— Discuss your goals, income potential, risk tolerance, time horizon and tax efficiency.

SECOND—Determine the proper asset allocation model that meets your desired investment criteria and risk tolerance.

THIRD— Implement the model that reflects your goals.

FOURTH— We monitor your accounts and generate reports to help ensure that you stay on course.

Our investment views are influenced by independent research that we obtain through a variety of sources. We routinely purchase institutional quality research from several sources that allows us to remain objective when making decisions for our clients.

· We make investment decisions as a team.

· We make decisions using both quantitative and qualitative methods.

· We make only small incremental changes to portfolio asset allocations, believing that sudden shifts put our client’s investments at risk.

· We believe that fixed allocations to asset classes, based on past performance with no regard to changing economic and market conditions, unnecessarily add to our clients’ risk.*

*All investments involve risk, the amount of which may vary significantly. Past performance is no guarantee of future results.

Morningstar Direct and Ibbotson, 12/31/14. The charts are hypothetical examples which are shown for illustrative purposes only and do not predict or depict the performance of any investment. Past performance does not guarantee future results.