Any time you want to choose a stock or mutual fund you can pick up any one of a number of magazines from the supermarket that list the "TOP TEN STOCKS FOR THE NEW MILLENNIUM!" Fortunately for most authors they don't have to live by their recommendations or they might hesitate to offer such leading bylines. They do not "sell " investment products, therefore their claims do not have to be reviewed for accuracy or falsely implied content. As investment advisors, we too must have some premise by which we offer advice. When we choose a given investment for our clients' portfolios we do not use Money Magazine's, "Top Ten List!"

We are concerned with a number of "Fundamentals" that can be measured in different investments. In order for us to have consistency in our approach, we have defined, as a matter of company policy, certain fundamental performance indicators, which we must find in a given investment in order to choose it for your portfolio. Different "experts" weigh fundamentals differently, which may give them cause to choose one investment as compared to another. This process allows us to screen out investments we think are not acceptable and identify in our opinion a better quality investment more suitable for you.