Because the need to earn commissions is not a factor, Sunflower's impartial investment recommendations are a second advantage to its clients. Suggested vehicles may include, but are not limited to, U.S. Treasury certificates, zero coupon bonds, bank certificates of deposit, corporate and municipal bonds, common stocks, closed-end mutual funds, and no-load open-end mutual funds, no-load open-end mutual funds, and exchange traded funds (ETF's).

The objective assessment of each client's tolerance for risk is a third strength of Sunflower. Client profiles filled in by the client provide the data essential to this determination.

Successful investing is a full-time job that is best performed by professionals who can be unemotional in their decision making. The financial advisors at Sunflower are independent, experienced professionals who believe that above-average investment results can be achieved by a disciplined, objective approach, with the specific goals of the client in mind.

Finally, Sunflower realizes that every dollar spent on stock trades, custodial fees, asset management, and sales charges reduces the amount of the investment capital. Our reasonable fee structure makes the total cost of employing SAM comparable and even lower than "no-load" mutual funds. It is to SAM's advantage, as well as the clients', to minimize the transaction costs and expenses.

SAM challenges conventional Wall Street “wisdom.” We offer objective, straight forward opinions on topics that many Wall Street firms would prefer unanswered. A sampling:

• Why you may be better off in your retirement than you think.
• Why retirement calculators are essentially guesstimates.
• What questions to ask your investment advisor in writing?
• Hidden costs of “package” products such as mutual funds (even “no-load”) and assistance in understanding these costs.
• Why your Roth IRA may be ultimately taxed.
• Common client investment mistakes and how to avoid them.
• Why your own emotions cloud your objectivity when attempting to manage your own investments.
• Why “diversification” in the Wall Street marketing sense does not always work.
• Why annuities are often a poor investment choice.
• Why you may not need life insurance for life.
• Will long-term care insurance policies deliver as promised?
• What Sunflower considers an ideal client, and what traits does Sunflower look for in a prospective client.
• Review of retirement plan investment choices by helping the client select the proper allocations.