Most of our clients are individuals, but we also work with pension plans, businesses, charities and trusts and estates. We give advice on - but don’t necessarily recommend - all types of securities, ranging from government bonds to mutual funds to commodities. We engage in fundamental security analysis. Our main sources of information are financial newspapers and magazines, research materials presented by others, corporate rating services, annual reports and company press releases. Our investment strategy is investing for the long term or, occasionally, the short term.

On occasion, we may buy or sell securities that we recommend to you. There is no conflict of interest, as the securities we recommend are widely held and publicly traded and we are too small an advisor\investor to affect the market and we always place your interests ahead of our own interests.

We review managed accounts daily and financial planning accounts annually. The calendar is a triggering factor. Accounts at other money managers are viewed, when we get their statements-usually quarterly. We don’t prepare regular reports for you. You'll get statements from your broker/dealer, mutual funds and other money managers, as appropriate.

We do not compensate anyone, either directly or indirectly for client referrals. We do not have a minimal size for client accounts.

When we manage your accounts on a discretionary basis, we limit our discretionary authority by prohibiting ourselves from withdrawing funds and/or securities from your accounts. In addition, discretionary transactions are limited to stocks and bonds, mutual funds and government securities.