Guiding Business Principles:
	I. Clients' interests come before my own. I look at the people behind the capital and consider their individual values and objectives. I never forget whom I work for or the honor bestowed through client confidence and trust. My own success follows that of clients and is represented in the quality of my relationships.
II. I take pride in the professional quality of my work. I have an uncompromising determination to achieve excellence in everything I undertake. The quality and integrity of my work must always come before my own growth endeavors. Though I may at times become involved in a wide variety and heavy volume of activity, I would, if it came to a choice, prefer to be better rather than bigger. III. My assets are my talents, capabilities and reputation. If they are compromised or weakened, the last is the most difficult to re-establish. IV. I stress creativity and imagination. While recognizing that the old way of doing things may still be the best way, I continually strive to find better solutions to meet my client’s needs. V. I believe that my own opportunity to move ahead is equal to, and dependent upon the responsibilities, which I am able to assume. Ultimately, my own growth depends on my abilities, performance and contribution I make to my clients’ success. VI. I stress teamwork with my client in everything I do. I encourage my individual creativity but I have found that a team effort with the client often produces the best results. VII. I strive to anticipate the rapidly changing needs of my clients and develop suitable ideas to meet their needs. I know that the world of finance will not stand still and that contentment can lead to mediocrity. VIII. My business is highly competitive and I constantly strive to expand my client relationships. However, I must always be a fair competitor and must never denigrate other firms. I focus on the work I do and helping those who can best utilize my services. IX. Integrity and honesty are at the very heart of my business success -- past, present and future.