We think that if more people just opened up and said what was on their minds life would sure be a whole lot easier. So that's the kind of straightforward approach we take with our clients when it comes to financial planning and investing. It means there are no questions, only straightforward honest answers. And where you find answers, confidence is usually right around the corner.

One of the reasons we're able to answer questions so quickly and clearly is because we build portfolios ourselves. We not only know what goes into every portfolio but also, most importantly, why. So when you have a question or concern, we don't have to check with anyone else. The buck literally stops here. We like it that way. And we think, like our clients, you'll like it, too.

For those who say "talk is cheap," they've obviously never had

an open, honest discussion about investing their own money.