We manage individual investment (stock and bond) accounts for individuals, trusts and corporations. Sycamore Financial Group's three primary goals when managing our client accounts provide: Solid returns, reduced volatility and tax efficiency.

WHAT WE BUY

Blue Chip Stocks which potentially offer:

Consistency	Less Volatility	Strength
Earnings Dividends Growth	Lower P/E Ratio Lower Beta Higher Book Value Higher Dividend	Strong Balance Sheet Basic/Essential Industries Leaders in their Industry

WHEN WE BUY

• Out of favor/overlooked stocks
  
• Undervalued compared to historical ratios
  

WHEN WE SELL

• Popular/overbought
  
• Overvalued compared to historical ratios
• When we feel the "after tax" value of a security would be
  more profitable for you in another stock
  

ADVANTAGES OF OWNING STOCKS

• Long Term Capital Gain (15%/5%)
  
• Estate Planning - Free stepped up basis
  
• Year-End Tax Planning
  
• Cash Flow
  
• The Best Stocks Now
  

REPORTS

Monthly (From Custodian)	Quarterly/Annually (Sycamore Financial Group)
Value of Account Deposits / Withdrawals Purchase / Sales Dividends / Interest Splits / Reorganization	Account Diversification - Quarterly Dividend yield on account - Quarterly Capital Gain & Loss report - Annually

ACCOUNT PROTECTION

Sycamore Financial Group and Southwest Securities are both members of SIPC (Securities Investors Protection Corporation). SIPC protects each customer against any shortage caused by the failure of Sycamore Financial or Southwest Securities up to $500,000 (including $100,000 in cash). Southwest Securities has purchased additional insurance to cover customer accounts up to an aggregate of $100,000,000.00. (See footnote 1 below.)

FEES

Value of Account	Equity / Stocks	Bonds	Funds
First $500,000 Next $1,000,000 Next $8,500,000 Amount Over $10,000,000	1.5 %  1.0 % .8 % .6 %	.75 %  .5 % .4 % .3%	1.0 %  .75 % .5 % .4 %
Transaction Cost - (approximately $32.50 each)

INVESTOR REQUIREMENTS

• Patience
  
• Long term objectives (5 years or more)
  
• $100,000.00 initial deposit (see footnote 2 below)
  

INVESTOR ADVANTAGES

• Lower Costs
  
• Professional Management
  
• No Sales or Termination Charge
  

Investment return and principal value will fluctuate. An Investor’s shares, when sold, may be worth more or less than their original cost.
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