Ron Copley

etc.) that constrain the achievement of these objectives; 2. Develop a clearly written investment policy statement outlining the allocation of your funds across multiple asset classes, the level of overall portfolio diversification appropriate for meeting your needs, the quality of the investments in the portfolio, and a quantitative measure of portfolio risk where appropriate; 3. Implement investment strategies that coordinate your personal needs with the investment opportunities available in the marketplace based on your objectives and constraints identified in the investment policy statement. These strategies would consider the interaction of existing and proposed investments for the entire portfolio; I use no-load, no-transaction fee mutual funds and discounted brokerage services online to minimize trading costs. 4. Monitor both market conditions and your personal circumstances for significant changes in either that impact your investment strategies. 5. Coordinate, where appropriate, my activities (portfolio management) with those of your other financial advisors including your accountant (taxes), your insurance agent, and your attorney. It is especially important that you coordinate your investment strategies with your estate planner; 6. Conduct a quarterly performance appraisal of the portfolio to insure that the investment policies are functioning in accordance with your needs and expectations. My clients receive a high quality, personal service the benefits of which exceed the monetary cost. I calculate my fee as a percentage of the assets: .25 percent (.0025) per quarter with a minimum of $500 per quarter. The initial setup charge is usually $1000, which includes all the administrative activities associated with writing the financial plan, discussing it with you, and establishing the account. If we enter into an agreement, you would have the right to terminate the agreement at any time without penalty. Please note the Security and Exchange Commission requires me to disclose that I will not assign your account to another advisor without your permission. You may note that I have no intention of ever assigning any client account to another advisor. I treat each client as an individual and, therefore, the above description is general. I tailor my services to meet your unique needs. The relationship I have with my clients is personal and professional, and built on a high degree of trust. For more detail on my background and business model, please visit: www.CopleyInvestmentManagement.com or call me at 910-452-7147.