We feel it is important to be clear, open and concise about our collective beliefs and values.We believe that over time process is more important than product, we don’t chase returns looking for the next hot product. We believe in a disciplined process for managing the risk of your investment portfolio. This means we do not get caught up in the media hype and advise our clients to do the same. We take the emotion out of investing by closely following and capitalizing on its cycles, and the ebbs and flows of the marketplace. We consider it our responsibility to manage risk for your irreplaceable capital. We do more than just sell products for a commission like many Wall Street firms; we integrate your financial goals into a well balanced, disciplined, risk managed portfolio. We then monitor and adjust your portfolio mix to suit current, ever changing market conditions. We believe in freedom; the freedom to live the life you choose.We believe in alliance, the transformative power that results from being part of a community that is actively striving to change peoples’ lives.We believe in wealth; the wealth that comes from good intentions and serving others. In addition, we believe: • Beliefs drive action, actions can create results.• Goals and dreams will remain just that, until you develop a plan to help you live them.• Luck and intuitions are no substitute for a good plan.• You may be closer than you think, ask a professional for clarification.• You may be further than you think, ask a professional for help.• We value process over products for our client’s goals.• When you form an alliance you strengthen everyone involved.• No one person has all the good ideas; therefore, the process of shared ideas often can result in a better outcome.• All long term relationships should be mutually beneficial.• The market is least efficient at extremes. Extremes are frequently driven by emotion and emotion can cloud decisions. Be most careful when things feel the clearest.• Market participation is an ongoing process of analyzing risk vs. reward potential.• Risk management attempts to exchange Fear and Greed for Relief and Satisfaction.• The best offense is a good defense, even for your money.• The exchange of worry for confidence creates value.• There is no substitute for realistic expectations.• It’s not too good to be true; it’s too good to be free. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.