As always, the process begins with a tailored portfolio designed to fit
each client’s unique investment goals and financial situation. Unlike
the Managed Portfolio Program, clients will continue to be involved in
the day-to-day management of their portfolios and must give their
consent for each recommendation made for their accounts.

Within the Partnership Plus program, clients do not pay commissions on
each transaction; instead all costs and expenses are covered by one
transparent, all-inclusive fee. This fee is not tied to the amount of
trading activity that occurs in the accounts, rather on the overall
value of the portfolio. This approach gives clients peace of mind
knowing that we will always act objectively in their best interests when
it comes to trade recommendations. In addition, the fee is fully
tax-deductible in non-registered accounts and we will waive all annual
administration fees that are charged to registered accounts.

In our opinion, the greatest benefit to this new fee-based approach is
that it will enable us to be more nimble and effective at entering and
exiting the market, without the restrictions of having to consider
commission costs. It allows us to react quickly to rapidly changing 
market conditions.

Clients who are interest in the Partnership Plus program must have
$250,000 in investable assets in order to qualify. This minimum asset
level is put in place in order to ensure that the annual fees are not
too onerous when dealing with smaller account sizes.

Some additional benefits of this program include:

■Top-rated industry expertise and market insights provided through
 sophisticated financial publications and a dedicated website for online
 research
■Convenient online access to your investment account
■A Partnership Plus binder designed to help you organize all your key
 financial documents, including account statements, trade confirmations
 and other information you will receive throughout the year

If the Partnership Plus approach is something you are considering for
your own portfolio, please feel free to contact our office at your
earliest convenience to discuss the program and fee structure in further
detail.

Phone: 519-660-3229
Toll Free: 1-800-265-1242
Fax: 519-660-3264
E-mail: Contact us