Our Directive: Personalize client Investment Portfolios, and manage all assets in a cost-effective, tax-efficient manner.

Guiding Principles for Prudent Investing:

1. Do not put money at risk in the stock market that is required to pay bills in next 7 years.
2. Consistently remember the only rule of investing that matters: buy low and sell high.
3. Maintain energy and focus on things I can control and not on things I cannot (i.e., market-timing).

The Efficient Frontier & Sector- and Style-Rotation

Investment Management starts with, but goes way beyond asset allocation and security selection. Personalization by client and by account registration is the only way to manage accounts in a truly tax-efficient manner. We recognized by the late 1990s that mutual funds had played their role in history, but had mostly lost their usefulness for high net worth investors. Mutual Funds are neither tax-efficient, nor cost-effective.

We build the core of our portfolios through the use of ETFs and individual bonds. The explore portion of the portfolio which is committed to seeking excess returns is constructed using specifically targeted ETFs, stocks, closed ended funds, and mutual funds.

Success as an investor is not always driven based upon what you own, but more about when you own it. The most important rule in investing has always been, and will always be, "Buy low, sell high." Through sector- and style-rotation strategies, we seek to buy segments of the market that become excessively inexpensive, and then prepare exit strategies once those areas eventually become excessively expensive.

Customized Fee Pricing

If you are qualified for our services, you will receive all our experience for the price of managing your assets. Historically, banks and financial institutions have done an excellent job of turning off their clients through "cross-selling." Whether it was an insurance product, an annuity, a financial plan, a retirement income plan, or an equity line, all were big drivers of financial institutions for revenue, but ultimately drove many clients away. Appreciate us for the fact you are a client—not for what we may eventually be able to sell to you, but for the value that we have committed to deliver. At DLAK Wealth Advisors, we want to spend our time providing value in every way possible rather than the often-observed alternative, "Sell and move on." Whether it be building a budget, Cash Flow planning,

Obligation Planning, Investment Tax Planning, Estate Planning support or Debt Planning, our fee is all-inclusive. These are financial matters that you will have to attend to periodically. We appreciate that each aspect of your financial plan only works correctly when all pieces are working in concert with one another through appropriate integration. You shouldn't have to pick and choose what services you enjoy, when all pieces are necessary for a complete plan.

_{There is no guarantee that these investment strategies will work under all market conditions. All investments contain risk and may love value. This material contains the current opinions of the author but not necessarily those of Guardian or its subsidiaries and such opinions are subject to change without notice. References to specific securities, asset classes and financial markets are for illustrative purposes only and do not constitute a solicitation, offer, or recommendation to purchase or sell a security. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary, and therefore, the information should be relied upon only when coordinated with individual professional advice.}