1.) Ease of Mind -effective & cost efficient solutions for all your financial issues -guidance by dedicated and experienced CFP® practitioner -24/7 access to your accounts on Fidelity.com 2.) Human Behavior -disciplined approach - no emotions in play -focus on long-term trends, not today's news headline 3.) Professional Stewardship -highest ethical standards -emphasis on client education 4.) Asset Allocation -diversification through different asset classes -high quality and liquid investments -value based investment strategy -periodic rebalancing 5.) Cost & Tax Efficiency -selection of low cost investment products -maximizing after-tax returns -tax reporting made easy