We believe investment choices should always serve the long-term financial plan. We have found that it is not always which investments you have, but how one owns them that makes a difference in how financial goals are achieved. We call this the Strategy of Ownership. During the planning process, we establish a target investment return that serves the plan, rather than chasing the highest return of the current stock or bond market. Socially responsible investment strategies are also our focus as they tend to avoid negative trends and align with positive economic solutions. These solutions include a universe of companies that tend to avoid regulatory trouble and class action suits. Additionally, we encourage the investment in local community, as these investments are less correlated with broad investment markets. Finally, the costs related to investing should be examined carefully and evaluated annually.