Generally Speaking…

• Individually managed accounts can provide solutions to difficult questions regarding diversification, asset allocation and year-end tax planning.
  
• Individually managed accounts provide a high level of service and a personalized relationship. It is a partnership that pairs your knowledge of where you are going with the knowledge of a professional who can get you there.
  
• Investment management services can inspire peace of mind, knowing that someone is working for you and seizing opportunities on your behalf.
  
• The fees paid for investment management services are tax-deductible*.

Specifically…

• NorthBrook's Fee-based management services use strictly "no-load" mutual funds to eliminate the conflicts of interest found in the sales of commission-based products.
  
• NorthBrook coordinates the advice of other professionals that may be involved in the financial planning process and then constructs a portfolio tailored to that advice.
  
• NorthBrook continually reviews and monitors each portfolio on an on-going basis.
  
• NorthBrook provides clients with convenient 24-hour on-line access to their accounts and other important information.
  
• NorthBrook's investments are purchased through T. D. Waterhouse Institutional Services, one of the nation's leading discount brokerage firms with over $90 billion in customer assets.
  
• NorthBrook offers clients the option of receiving check-writing privileges and visa debit/credit cards on their accounts.
  
• NorthBrook sends client's quarterly newsletters (the Navigator) as well as timely updates and alerts that keep clients connected to the management process at all times.

All products used in the development of client portfolios are purchased through T. D. Waterhouse Institutional Services, one of the nation's leading discount brokerage firms with over $90 billion in customer assets. There, client assets are held and protected up to $150,000,000.00 from insolvency, damage, and theft.

Each month, Waterhouse provides clear, concise, easy-to-follow statements that detail all security positions, dividends, and transactions in each client's account.

Check writing privileges and Visa debit/credit cards are also available, as are a variety of other banking services from T. D. Waterhouse's Electronic Banking division.

*Consult Your Tax Advisor.