We differ from other advisory firms in several important ways.

We are unique because we have found success utilizing a trend following approach to asset selection. Unlike us, most other investment advisors attempt to forecast the future direction of the capital markets. We recognize that capital markets are efficient discounters of public information. Therefore, we do not believe information that is accessible through the media can be used to add value through active portfolio management.

This explains why we do not attempt to forecast the future direction of the markets. Instead, we use a variety of trend following strategies to develop customized investment portfolios for each client. We believe that our trend following strategies have the ability to provide our clients with superior returns.

Because we are a "fee only" management firm, all of our recommendations are made without conflict of interest. Unlike us, however, many of our competitors are compensated based on the commissions and other fees (including "sales kickbacks," loads, 12b-1 fees, etc.) associated with the products they recommend. For example, stockbrokers are compensated based on their ability to sell you investment products (not on their ability to earn good returns), particularly the proprietary investment products of the company they work for. Insurance salespeople are paid to sell you life insurance policies.

They will almost always try to sell you permanent insurance products (whole life, universal life, variable universal life) that pay the highest commissions and continue to pay commissions as long as you renew the policy. Money managers try to keep your money fully invested at all times - even when the markets are dropping - because they get to charge you a percentage of assets under management when your funds are invested in their products. We believe these types of arrangements present inherent conflicts of interest between the adviser and the client because the individuals that represent those advisory firms have an incentive to recommend high-cost products. Because our only form of compensation is the advisory fee that each client pays us, our incentive to perform well is directly aligned with each client's interest in having their account perform well.