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	10,340.70	-107.24
^GSPC	1,229.05	-25.14
^IXIC	2,638.42	-61.02
TYX-X.W	0.00	0.00

Recent Articles

A One-Year Checklist to Retirement

One of the biggest lessons of the recent economy is that many people who thought they were financially ready for retirement…weren’t.
The amount of money, investments and government support you’ll need to retire comfortably is as individual as you are. Some people plan to work in retirement. Others have health issues or other financial responsibilities – kids’ college bills, financial support for a senior relative -- to juggle with the everyday living expenses they’ll face in retirement.

Buying Used is Smart in Any Economy

Even with hopes for a better economy in 2011, some habits learned in tough times could stand to become permanent ones. A good one might be continuing – or starting – to buy particular categories of merchandise that are used but still in good condition.
If it makes you feel better to use the term “pre-owned,” by all means do so. Expertise in a particular product category can matter a little or a lot. But here are some types of merchandise where buying used can be a very good idea:

If Rates Are Heading Up, Should You Refinance Now?

As the economy recovers, homeowners are faced with the good news/bad news prospect of a better real estate market with the likelihood of higher mortgage interest rates. For many, that leaves three choices – sell, refinance or sit tight with the mortgage they have now.
Despite the average 30-year mortgage rate that stood at 4.8 percent in late December, the decision to refinance isn’t always a great idea. In fact, it should be considered as part of an overall financial plan that is as individual as you are.