The Integrated Financial Resources Approach

In today's rapidly changing financial marketplace, you are faced with an overwhelming array of choices for investing your money. It is no easy task to construct an investment portfolio that provides the right mix of current income, steady growth potential and long term security.

At Integrated Financial Resources, we believe that each client is unique and deserves the special attention necessary to establish an investment strategy which fulfills the client's needs and objectives. We Take no commissions and do not receive any "soft dollars." Therefore we are free to work as our client's advocate in planning and executing their investment strategy.

Our goal is to help to design and implement your investment strategy.

Helping you meet your financial objectives is an ongoing process. We begin by performing a thorough analysis to determine your financial position and investment objectives. Next, we select an investment strategy that matches your needs. Finally, we continuously monitor changes in the financial markets and your financial needs and update your portfolio accordingly.

One investment strategy may not serve two clients equally well. For this reason, we take a very personal approach to financial and investment planning. Before we can choose an appropriate investment strategy, we take the time to get to know our client and understand near term and long term needs. In the process of preparing an investment strategy, we'll ask questions regarding your assets, income and financial commitments. We'll also discuss and determine tolerance for risk. Along the way, we'll help identify special needs, such as funding needs for a child's education, retirement or a new home. Only after our thorough analysis of this information can we help prepare our plan of attack. This approach will allow you the maximum expected return without incurring more risk than you are comfortable taking or which may interfere with your ability to safely meet your near term goals.

After we understand your needs, we will modify your investment portfolio accordingly. Depending on your needs we will make use of one or more of the following types of investments:

• Common Stock
• Notes and Bonds
• Mutual Funds
• Convertible Securities
• Equity Options and Warrents
• Certificates of Deposit (CDs)

Change is an unavoidable part of any dynamic system. Both your financial objectives and market conditions will likely change during your relationship with Integrated Financial Resources, Inc. We will respond to your changing needs to insure your future.

Consistently monitoring and updating your own portfolio as needs change and market conditions warrant can be time consuming. An integral part of the services we offer to you is to navigate you through these inevitable changes and adjust your portfolio accordingly.