When you engage us we will:

• Review and rank your short-, intermediate-, and long-term financial goals;
  
• Assess your tolerance for investment risk;
  
• Propose investment strategies designed to achieve your goals consonant with your time horizon and tolerance for investment risk, specifying recommendations and alternatives for their implementation;
  
• Present for your approval a written Investment Framework to serve as a guide in the implementation of agreed-upon strategies;
  
• Identify any strengths, weaknesses, opportunities or threats that may have an impact on your long-term economic wherewithal;
  
• Actively monitor your portfolio(s) for adherence to the Investment Framework, and provide written quarterly reports tracking your progress toward achieving the agreed-upon goals; and,
  
• Meet with you in person at least once a year for a thorough review of your portfolio(s).

Work not contemplated in existing Agreements
Prior to performing any work that falls outside the scope of an existing Agreement, we will present for your written approval a proposal clearly disclosing the nature of the work to be performed and the fees to be charged.

Termination of Agreements
Agreements remain in effect for a period of one year from the date of their execution and are automatically extended for additional periods of one year each, unless sooner rescinded, amended, or terminated.

You may terminate an agreement at any time by notifying us in writing. If you terminate an agreement within ten (10) business days of its execution you will receive a full refund of any prepaid fees. Otherwise, you will receive a full refund of any prepaid but unearned fees. The unearned portion is calculated as the ratio of the number of days elapsed between the date of termination and the end of the prepaid period, divided by the total number of days in the period.