A Special Message for Baby Boomers…

We believe that over the course of the next 20 years, our country will face the biggest challenge since the time of the Great Depression. More than 80 million persons who make up what is fondly referred to as the Baby Boom Generation will be moving from the active work force to retirement or at least semi-retirement.

For those individuals who have planned carefully and saved regularly, these ‘later years’ stand a good chance of being a time of comfort and fulfillment.

However, since we as a nation are living longer and saving less, many of our citizens and their families and dependents will find themselves ill-prepared to cope with the financial challenges that await them. For these ‘ill-prepared Boomers’, their later years are likely to be characterized by the stress and discomfort that accompany financial concerns if not crisis.

And even those individuals who are so fortunate as to have amassed a sizable asset base -- to support themselves in their later years or in times when they or a loved one are incapacitated – even those individuals will be facing a new and critical challenge. The skills required to manage assets to deliver current and future income are very different from the skills required to accumulate wealth.

So for every investor, but especially 'Boomers', we offer the following thoughts...

TIME is a wasting but very precious commodity.

It is TIME that allows us to plan and put in place changes that can serve to improve our future financial condition.

The TIME you invest, now… to prepare for tomorrow… can pay for itself many times over!

“TIME … WAIT(S) FOR NO MAN*”

*A 'timeless' statement attributed to John Skot in his work Everyman, c1500.