Another Positive Quarter…

And just as the stock market hits record highs and our economy shows signs of improving, in come the politicians to threaten our success. We expect the boys and girls will get it together before lasting damage is done.

Some clients have indicated concern that the stock or equity element of their investment portfolio is greater than recommended by some public sources (pundits). Be assured that we are very conscious of these ideas and take them into account when we look at your asset allocation.

Because bonds and money market investments are not viable choices, we use our call writing program to increase income and add to stability. In addition, we weigh your social security, pension, real estate and other assets in the allocation mix. Please contact us to review your allocations.

Some of you may not be aware that because we are Registered Investment Advisors (RIAs), we carry a higher responsibility to our clients than other investment providers. By law, we must put our client’s interests before our own. Most others only bear the responsibility of providing you with “suitable” investments. We are true “fee only” financial planners and take our fiduciary responsibility seriously.

We continue to transition accounts over to the Fidelity Institutional Platform. If you have not received forms, you can expect them shortly. If you have not sent your forms back to us, please do so as soon as possible.

Very Truly Yours,

Michael F. Cantlon

Thomas E. Guyett

Robert T. Gephart