Q: What provisions are made for cash needs?
A: Once we have established the approximate timing and amounts of anticipated cash requirements, we identify securities that immunize those liabilities and maximize returns.

Q: What is the performance benchmark for Taxable Fixed-Income portfolios?
A: The performance benchmark is the Lehman Brothers Intermediate Government/Credit Index.

Q: What is the average life of Fixed-Income portfolios?
A: Weighted average lives are generally kept to a range of four to five years.

Q: Is this a pooled fund? Are my assets commingled with other clients?
A: No. All portfolios are separately managed and securities are held by the custodian of your choice.

Q: What is the minimum account size?
A: Although fixed-income securities are generally managed as a portion of a client's balanced portfolio under our supervision, we do manage stand-alone bond portfolios. We seek overall relationships of at least $1,000,000.

Q: How do I open an account?
A: Telephone Ann M. Marsh, CTFA at (312) 641-9002. She will discuss with you whether our fixed-income approach might suit your needs. She can also provide you with important additional documents which you should review prior to establishing an account with us.

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