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

Name	Last	Change
Dow Jones Industr	10,624.70	12.85
S&P 500 INDEX,RTH	1,149.99	-0.25
NASDAQ Composite	2,367.66	-0.80
30-YEAR TREASURY	46.02	0.00

Recent Articles

To borrow in 2009 will take a plan

Consumer Borrowing in 2009 Will Mean Making a Plan

If you’re planning to buy a home or a car in 2009, the process is going to be a lot tougher without an excellent credit score and a significant down payment. So that means you’re going to have to work harder—and possibly wait a little longer—to make those key purchases.

What’s a good credit score? According to credit scoring giant Fair Isaac Corp., the best FICO score range as of late 2008 stood at 760-850, according to reports; that minimum is roughly 20 points higher than it would have been a year ago.

Roth IRA conversions in 2010

One Good Thing about a Tough Market—It’s a Good Environment for Roth IRA Conversions

Most of us will not start the New Year happy about our investments. But if you are looking for a bright spot, it’s not a particularly bad time to consider converting a traditional IRA to a Roth IRA.

Spending Plan for 2009

Taking Steps to Safer Investment Decisions in 2009

It’s tough to tell how much one investor can do alone to preserve their assets in 2009, particularly with unprecedented government intervention in world markets. But there are some general ideas to employ as markets and economies hopefully stabilize in the New Year: