Buy-and-Hold:                         Is this still the right strategy?   Navigating today's markets with ACTIVE         PORTFOLIO MANAGEMENT There's an ancient curse that says, "May you live in interesting times." We now face the worst financial crisis since the Great Depression. Stock, bond, and commodity market volatility has increased while rational investing is down. And, unfortunately, most financial advisors still recommend a traditional BUY-AND-HOLD strategy that suggests you just "sit tight" during difficult markets. Many industry experts and recognize that this old strategy has not worked so well over the last decade. We develop and manage portfolios consisting of no-load mutual funds and exchange traded funds to help you reach your retirement goals, and ACTIVELY manage them for the changing environment.   REVIVE YOUR RETIREMENT: ACTIVE PORTFOLIO STRATEGIES  ·    Customized, active management strategies for your:            -- IRAs           -- Retirement Savings  ·     Active monitoring of your investment or retirement account; and ·     Specific buy and sell recommendations as the active markets change.    ACTIVE 401(k) MANAGER for your  401(k) ·   403(b) ·   Variable Annuity