Portfolio Adjustments

The investment environment moves pretty quickly as world events, politics, economic issues, etc. are broadcast globally and instantaneously.  We are not short-term traders, but we do need to adjust to changing trends that are significant.  As an example, we may need to allocate more money to a sector like gold, change a fund that is performing poorly, or simply reduce exposure to stocks because the overall market is plummeting.  In each case, we will make these adjustments automatically in your portfolio if we believe it is appropriate for your personal objectives.  You do not have to be involved in the day-to-day monitoring or decision making process.  However, feel free to call if you have a question or concern about what is going on.