Myron and Keith and Paul are all Registered Investment Advisor Representatives. As experienced portfolio managers, we can tailor an investment portfolio to your individual specifications and needs. We will manage your investments while your securities are in safe hands at Charles Schwab! Here's why your own portfolio can outperform mutual funds, annuities and the S&P 500 * :

Deductible Capital Losses: By selling stocks that go down and keeping those that go up, you get to deduct capital losses, rather than paying taxes on capital gains. Even if mutual funds or annuities wanted to adopt this strategy, they couldn't pass the losses through to you. In your individually managed account, you can deduct losses even as your portfolio gains in value!

Deductible Margin Interest: You may be able to deduct any interest you paid to purchase additional stocks. You cannot purchase mutual funds or annuities on margin.

Tax-Deferred "Dividends": Most mutual fund and annuity "dividends" are actually capital gains. With your investments in an individually managed account, you can defer the taxability of capital gains as long as you like - and they actually escape income taxes at death. By selecting growth stocks, your taxable dividends will be very low or non-existent, even if the cash flow from your portfolio is substantial.

Low Cost: With less overhead and no outside salespeople, we are able to keep our management costs low. No "loads" or 12b-1 marketing and administration fees. Your trading commission costs are also much less because we trade less frequently and pay a much lower commission by trading "on-line". Our management fee structure is available.

No Management Headaches: Now you can devote all your time to your job, your business, your family, your hobbies, your vacation or your retirement.

*- The average portfolio managed by INVESCO, LLC has outperformed the S & P 500 by 61% over 7-3/4 years (6-20-00 through 3/31/08). Past performance may not be an indicator of future performance.

Portfolio management is just as important for your I.R.A., SEP or Keough account. INVESCO's managers can invest your I.R.A. funds directly into a diversified portfolio of companies selected to give you the highest return commensurate with the risk level with which you are comfortable.

And the cost of managing an I.R.A. is even lower than that for a personal portfolio. There is no need to trade stocks for tax reasons, so commissions and management time are both reduced.

Securities in accounts at Charles Schwab & Co., are insured by SIPC. Restrictions and requirements apply. Investing in any securities involves risk. There is no guarantee of any return or that the principal invested will not decline. In any investment, you may lose a portion or all of your investment. Selling at a loss means that you have lost money on that investment. Buying securities on margin leverages both your profits and losses. You could lose more than you invest. You will be responsible for interest charges on margin accounts regardless of whether the security goes up or down. Interest on margin accounts may not be deductible. You should consult with your own tax advisor. You must complete a financial profile and sign an investment management agreement before you invest.