The Firm is a Registered Investment Advisor (RIA) providing personalized investment management services to individuals and other investors. Clients generally will prefer to take an active, rather than passive, role in the management of their assets and will rely on the Firm to provide an impartial and unbiased framework on which to base their judgements. Clients are contacted on a regular basis and portfolio changes are implemented that are consistent with client risk tolerances and objectives. Equities are selected for purchase or sale using a valuation model that reflects current interest rates, a company's historical internal growth rate and a current earnings forecast. Fixed income securities are selected based on the current level of interest rates, yield spreads, client income levels and requirements and the economic outlook. Cash equivalents are held as buying reserves. The Firm uses third parties as custodians and never has control of client assets. Mutual funds may be utilized in a portfolio to provide immediate or longer term diversification or to enable the client to participate in niche markets.