As an SEC regulated Registered Investment Adviser, we comply with Rule 204-3 under the Advisers Act, commonly referred to as the "brochure rule," which requires our firm to deliver to each client or prospective client a Form ADV Part 2A (brochure) and Part 2B (brochure supplement) describing the adviser's business practices, conflicts of interest and background of the investment adviser and its advisory personnel.

We must deliver the brochure to a client before or at the time we enter into an investment advisory contract with a client. The rule also requires us to deliver annually to each client within 120 days after the end of the adviser's fiscal year either (i) a current brochure or (ii) a summary of material changes to the brochure, and the Web site address for obtaining information about our firm through the Investment Adviser Public Disclosure system.

At the minimum, read our SEC Form ADV (also known as "the brochure") for facts about our credentials, education, investment platforms and fees.  We would be delighted to provide a paper copy of our brochure on request.  Our Privacy Policy is contained within the brochure.

You can also see our electronic filing with the SEC's Investment Adviser Public Disclosure website.

For information about how to evaluate our firm or any investment advisor, investment or insurance broker, or financial planner read:

Investment Advisers: What You Need to Know Before Choosing One published by the US Securities & Exchange Commission.

Cutting through the Confusion: Where to Turn for Help with Your Investments published by the Coalition on Investor Education.

published by the Investment Adviser Association.

As always, please call us at (347) 580-5281 with questions and concerns.