Jerry Slusiewicz

technical and fundamental analysis on our security selection which helps us determine what and when to buy, but also helps set risk / reward parameters. We look for a 3 : 1 reward to risk ratio which helps us predetermine where we will place our "stop loss" before entering a position. This helps us avoid taking big losses, which is why we have done so well over the last couple years of this bear market. We were 100% in cash going into Labor Day 2008. That is documented and has helped me grow my business through this tough environment. Only now are investors waking up to the benefits of using stop losses to protect their portfolios. Many times in client contact sports metaphors com n handy. The best one in today's environment is that defense wins championships! That is also true when it comes to investing - because in the end it is not what you make, but rather what you keep. We also use "position sizing" as an absolute requirement for risk management. We place no more than 10% of our portfolio's value on any one position as a maximum investment. A position can organically grow to more than 10% of the portfolio, but not more than 10% can be invested. We usually pyramid (the correct use of dollar cost averaging) into winning positions, starting with 3 -5% investment of the portfolio value and only adding to positions going up until we get to a 10% full position. We have three portfolios that we manage; Growth, Balanced, and Income and employ our defensive style to all three. We mostly use ETF's, having caught onto the ETF growth scene much earlier than most professional advisors, but do still use individual stocks and some Closed End Funds on occasion. Our primary service is to meet your needs through professional money management. We use stock and index investing for growth and income, and create laddered bond fixed income portfolios. We work with your CPA and attorney to identify your objectives and to create prudent strategies for your goal achievement. Benefit from retirement plan guidance along with annuity and life insurance solutions. You want to grow what you have, but protection of capital is equally important. Put Pacific Financial Planners (PFP) to work for you, so you can enjoy your free moments doing what you like best--whether managing your business, hobbies, or spending time with your family. With PFP's guidance, we structure a financial plan that allows you to achieve your most important goals. Using a prudent approach, your plan will be implemented and guided by PFP to ensure capital preservation and long-term asset accumulation for solid retirement income. Pacific Financial Planners is able to control costs, and more importantly, risk, by properly diversifying your portfolio, accounting for your specific objectives and current investment outlook. We believe that it is far easier to preserve what you already have than to make up what you may have lost. Therefore, PFP implements a unique sell discipline and stop-loss procedure to aid in further protection of your portfolio, while allowing for moderate, steady growth of your assets. Your financial security and peace of mind are our founding principles. Helping you define and reach your financial objectives is our primary goal. You are assured personalized service, constant account monitoring, objectivity, and expert advice throughout the various stages of your financial life. With PFP, you can feel secure that your assets are protected, properly allocated, and accumulating. You have our commitment that your inquiries and concerns will be immediately addressed. You can feel confident in your relationship with Pacific Financial Planners