Enclosed is our latest newsletter. As usual our editor as done an excellent job addressing some very timely topics, including:

Index Investing: Which is used by so many but understood by so few.

Speaking of investing; This market has certainly tested our patience since it peaked in April of 2000. While no one can predict the market, I think we have probably seen the worst of the downturn; in October of last year and March of this year, and I am confident that a year or two from now we'll look back on this period as being a real buying opportunity.

As usual, if you have concerns or questions be sure to give me a call.

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Securities through KMS Financial Services Inc.

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