Define client objectives including risk tolerance and desired portfolio income Analyze existing assets/investments and discuss appropriate strategies Select custodial platform based on client priorities Take after-tax consequences into consideration on all existing and new personal portfolios Invest cash as market risk dictates Chose fundamentally sound stocks and *ETF's following extensive sector risk and asset class relative strength analysis Employ low-fee ETF's to lessen cost to client and diversify within groups exhibiting positive relative strength Hedge through inverse mutual funds when top-down models point to elevated market risk Utilize closed-end funds, high-yielding stocks, convertibles and royalty trusts as well as tax free and corporate bonds for building total return part of portfolio Hedge Total Return interest rate risk with inverse bond funds Update risk management models daily and weekly Continuously assess individual portfolios as dictated by risk management analysis Provide quarterly performance reports along with monthly statements from your broker/custodian *ETF=Exchange Traded Funds (iShares, VIPER’s, HOLDERS, SPDR’s)