We believe:

• All investing should start with a PLAN
• DISCIPLINE AND PATIENCE are essential to successful investing
• The retired investor’s primary financial concern should be preservation of their hard earned nest egg
• Whenever possible, retirees should have an investment plan designed to help produce ACCEPTABLE RESULTS IN ALL MARKET CONDITIONS
• Asset allocation may be one of the most important factors in determining long term investment performance
• In DIVERSIFICATION to help minimize risk
• For investors seeking higher long-term growth rates, time in the market and not market timing, is an important factor