Our Approach to Investing 1. Start with a plan. Select a stock/bond allocation based on your goals and time horizon. 2. Have separate cash reserves. 3. Know your risk tolerance. Be prepared. 4. Asset allocation is a time tested strategy. Employ a broad range of asset classes. 5. Utilize high level money managers for individual stock selection. 6. Disregard market timing. 7. Make timely adjustment to portfolios. 8. Minimize investment costs. 9. Minimize taxes on investment gains.