Objectivity

We create a business environment that enables and fosters maximal objectivity. Steps we take to create this environment include:

• As a Registered Investment Advisor (RIA) we are compensated based solely on assets under management. Our fees grow only if your account grows.

• As opposed to brokers, RIAs do not receive commissions for any of the investment products we recommend. This allows us to select investments based on suitability only, and not on how much we will receive in compensation.

• We do not pay other professionals for referrals. This ensures that they recommend us based on their confidence in us rather than any compensation they would receive.

• When we refer you to other professionals (accountants, insurance brokers, estate planning attorneys) we will not accept any compensation from them. Our only motivation is to find you qualified, objective experts.