Disclosures

INTRODUCTION

Please contact us directly to receive a copy of our form ADV pt. II.

Our form ADV pt. I can be found on the SEC web site at

SEC Investment Adviser Public Disclosure

Market Snapshot

Symbol	Last	Change
^DJI	10,473.30	-24.59
^GSPC	1,100.90	-5.23
^IXIC	2,252.23	-12.33
TYX-X.W	0.00	0.00

Recent Articles

Keeping Your Credit Score Healthy

It doesn’t take much these days to damage a credit score. Before the recession, late payments and blasting through credit limits would take its toll. But in the past year, Fair Isaac, the company that developed the algorithm that is the leading determinant of our scores, made an important change in its formula.

The 4 Percent Rule -- What is the Right Amount to Withdraw from Your Retirement fund each year?

With stagnant incomes and roller-coaster investment returns over the past decade, individuals on the brink of retirement might wonder what became of all those “rules of thumb” affecting how they handle their nest egg once they walk away from their jobs.
They’re still there. But the question of how well they work comes down to the individual.

A Midyear Financial Checkup Can Make For a Smarter Second Half

This is not the time of year when everyone wants to stay indoors with their finances. But a midyear review of your tax situation, retirement and spending issues can be far more valuable than the rushed attempt most people make at the end of the year -- or when it’s too late at tax time.
Summer’s actually a good time to do this task because there’s still enough time to correct lapses in savings, spending or tax planning. Here’s what most people should cover: