The firm specializes in managing investments for individuals who are retired or nearing retirement. Specifically, we address the issue of changing from a capital accumulation mode to an income mode. The dynamic of this change requires an assessment of investment assets and a determination of reasonable objectives for the assets in order to construct a proper balance between income and growth investments (see Investment Management, Diversification and Investment Philosophy). In conjunction with these activities, the firm manages investment portfolios in many forms:

• Individual Accounts
• Trust Accounts
• IRA’s
• Other Retirement Plans
• Corporations and business entities