Minimum target stock allocation 60% Small, mid, and large cap stocks Benchmark: 70% Russell 3000/30% U.S. Gov't. Credit

The 60-Plus All-Cap Balanced Account has a minimum target stock allocation of 60%.  This allocation changes as our risk indicators direct us to add or reduce equity exposure to the account.  We actively manage the fixed income portion of the account with high quality iShares and Treasuries. 

The account holds a mix of small, mid, and large cap stocks.  We weight the stock exposure toward the most advantageous market capitilizations based on our research.

Sector analysis in an important part of our portfolio management process.  Changes in sector weightings are made based on our analysis.

We believe that having the maximum flexibility to follow our research is the key to adding value to our clients' accounts.

As of December 31, 2007

	Small Cap 11% Mid Cap 21% Large Cap 68%	Short Term Liquidity 3% Fixed Income 34% Common Stocks 63%