We manage client portfolios through accounts held at Charles Schwab, the nation’s largest discount broker. We will work with you to identify your goals and to develop an investment plan to meet those goals. Primarily investing in top-quality, low-cost institutional mutual funds, we will monitor your accounts, re-balance them periodically back to your original allocation, report on your progress each quarter, and meet with you at least annually to review your financial plan and investments. Our goal is to help you with the concerns and problems associated with investing your assets. We do the research, make the decisions, and keep all the necessary records. We make sure that you and your tax preparer will have the information you need to make tax decisions and prepare your tax returns. We are always available to discuss your finances and to help you with new issues that appear as life progresses.