Q.	Should I consider annuities--either fixed or variable--as part of my investment portfolio?
	A.	Perhaps, but not necessarily. It depends on your situation. the smart thing to do is to get in touch with Scott Klatt or Rob Bradley. They can help you weigh the pros and cons. Just click on the name, under Advisors.

Q.	How involved will I be in the planning and investment management process?
	A.	We encourage as much participation as you are willing to invest, and the choice is always yours. Some people like to stay right up-to-date on their financial matters, and others just want to know things are being looked after. You decide where your interest lies, and we'll accommodate your preferences.

Q.	If you manage my portfolio, how much control will you have over my money?
	A.	If you give us "full discretion" in a portfolio management arrangement, we will be able to buy and sell securities for you when market conditions warrant. We will inform you promptly when we do so. It is your money, and we never forget that.

Q.	I'm not rich. Why do I need an estate plan?
	A.	If you don't make one, the state will do it for you. We can help you control your destiny.

Q.	What percentage of your clients come from referrals?
	A.	Probably 98%, at this point in our history. Our clients are our all-star sales representatives, and we couldn't be more pleased!

Q.	I've heard financial advisors will charge me a fixed percentage of my assets for managing my portfolio. Is it true?
	A.	It is one way of arranging for compensation, and it works well for some clients. But there are other ways—based on the amount of work we do, for example—that many find suitable. Let's talk about it.