• The most important investment decision is how best to allocate financial assets among the primary investment alternatives (cash, bonds, stocks & real estate).

• Diversification among and within investment categories or "asset classes" is the best way to limit risk and improve returns.

• Establishing and then committing to a long term, disciplined investment approach is the most reliable way to achieve your objectives.

• Risk and return are related. Financial markets provide returns to investors for placing their capital at risk.

• Low cost, no-load, passively managed funds and ETF’s, are the most effective vehicle for accessing market returns, particularly for taxable investors.

• The high cost of most investment products and services contributes to the failure of the majority of investors to achieve market returns.

• Past performance is of little use in predicting future winning funds or managers.

Annual Management Fee