We believe in diversification, not only among stocks and bonds, but also among other appropriate investment vehicles. We carefully assess the client's risk level tolerance based upon the client's written representations.

The investment world changes constantly; it is our responsibility to be attuned to the current economic climate and to apply our knowledge and experience in ordering changes in our clients' portfolios consistent with our clients' objectives and risk levels. This approach alleviates many worries and produces peace of mind for the client.

Communication is vital to success. Efficient use of Sunflower's time is one of our major objectives and helps us to do the very best for our clients. Our weekly e-mail commentary keeps our clients informed as to our current views on market conditions. Clients may contact us at any time to discuss their concerns, clarify issues, or change their objectives. Sunflower does not usually initiate calls to clients since our time is best spent doing the research required to optimize our performance. Clients should initiate contact with Sunflower whenever they deem it necessary. The client controls this process and knows best when he/she needs to communicate with Sunflower.

Understanding client goals is essential in effective portfolio management. It is the responsibility of the client to notify us promptly upon any personal change that might affect investment strategies and goals.