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FAQ

What types of clients do you work with?
What is your investment approach?
How are you different from a stockbroker?
How are you compensated?
How will you communicate with me about my account?
Who will be working on my account?
Where will my account be held?
Will I be able to take part in the investment decisions?
Will I have to sell all or part of my current investments to work with you?
I have some investments I want to manage on my own. Can I still work with you?
Will you charge me an extra fee to consult with my tax advisor or estate planning attorney?
Will I get reports to help with income tax return preparation?
Can you provide advice on how I should invest the money in my company's 401(k) Plan?
What is the process to start working with you?
Is self-management of my investment portfolio a viable option?


What types of clients do you work with?
Our clients are very diverse, and have a broad range of employment backgrounds, ages, and investment objectives. We customize our services and portfolio management to fit the needs of affluent individuals, professional athletes, medical professionals, business owners, celebrities, retired professionals and their families. Normally, our clients will have a minimum of $250,000 of assets available for investment and management.

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What is your investment approach?
We design a customized portfolio for each client based on his or her specific investment objectives. Each client portfolio is therefore unique and changes are made based on the clientís individual circumstances.

We believe that long-term investment performance is determined primarily by the investment markets in which one participates, and to a lesser extent by the specific investment security itself. We combine these market investments in a way to reduce risk, while not sacrificing the returns.

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How are you different from a stockbroker?

As a Registed Investment Advisor, RL Paler Investment Advisors has†a fiduciary duty to act in the best interests of†our clients at all times. Brokerage firms (stockbrokers)generally are not fiduciaries to their customers and therefore may not make decisions that are solely in their customersí best interests.

In fact, a study conducted by TD Ameritrade showed that 79% of investors said they would rather work with an Registered Investment Advisor if they knew advisors provided greater investor protection than stockbrokers.*

For a free copy of the TD Ameritrade study please contact us.

*2006 U.S. Investor Perception Study Commissioned by TD Ameritrade.

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How are you compensated?
We charge a management fee based on a percentage of the value of the assets we manage. We accept no commissions or other forms of compensation from investment product providers or financial institutions. We are experienced and trusted professionals paid to serve our clients, not to sell. Compensation is a low fee based on the assets we manage. This helps to reduce any potential conflicts of interest.

Your accounts are held at TD Ameritrade, thus giving you access to the kind of savings only an industry leader like TD Ameritrade can offer, such as a $9.99 flat fee per stock trade. More rate information is available at www.tdameritrade.com.

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How will you communicate with me about my account?
You will have online access to a monthly investment performance statement from TD Ameritrade. You will also receive occasional special mailings and email alerts on topics of interest. We like to meet face-to-face with each client at least one time per year and contact our clients regularly for portfolio review, updates on current market conditions and portfolio strategy. Clients are also encouraged to contact us by e-mail, or telephone at any time to discuss their investments, ask any questions, or discuss any financial planning matter.

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Who will be working on my account?
Each client typically meets with Mr. Paler, our investment professional with more than†21 years of wealth management experience, who is responsible for developing and implementing the investment strategy, and reporting to you about its performance. He will also consult with you on other financial planning issues.

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Where will my account be held?

We have developed a long-standing relationship with TD Ameritrate Institutional. TD Ameritrade meets the same high standards we set in our own company. We know by working closely with TD Ameritrade, we are giving you access to the kind of benefits only an industry leader like TD Ameritrade can offer. Plus, TD Ameritrade provides specialized software and online applications for lightning-fast administrative tasks.†Time saved on administrative functions is time that can be spent with our clients.


TD Ameritrade is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000. More information is available at
www.sipc.org.

TD Ameritrade provides up to an aggregate of $250 million of additional securities protection, of which $900,000 may be applied to cash, is provided by London insurers. This protection is limited to a combined return to any client from a Trustee, SIPC and London insurers of $150 million. This coverage provides you protection against brokerage insolvency and does not protect against loss in market value of the securities.

TD Ameritrade†is able to provide you with:

  • Convenient online access for you to see how your accounts are doing.
  • Monthly trade confirmations and account statements for you and RL paler Investment Advisors.
  • Electronic funding and withdrawal options.
  • Low commission costs so your RL Paler Investment Advisors can pass the savings on to you.
  • Bond/CD on a net yield basis and over 1,300 no load mutual funds.
    (Stocks, $9.99 per share.)

More information is available at www.tdameritrade.com

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Will I be able to take part in the investment decisions?
Yes, of course! In the beginning we will meet with you to determine your investment goals, previous investing experiences, tolerance for risk, and your specific preferences. Your preferences will be important considerations of each investment transaction we complete on your behalf. However, your trust in our expertise is more vital to your asset growth. Periodically, every quarter, you will have the opportunity to approve, revise, or decline any particular recommendation.

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Will I have to sell all or part of my current investments to work with you?
In some cases, there are many changes we would propose, but often they can be implemented over time, or can be modified to some of your current holdings. For example, some clients may have significant investment gains in their current holdings that could trigger large income taxes if they were sold. In other cases, clients have specific holdings that they have a particular desire to keep. In all cases, we will use our best judgment to recommend the most suitable portfolio for you, then fine-tune and adjust it to accommodate particular concerns.

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I have some investments I want to manage on my own. Can I still work with you?
Yes. However, many investors try managing their own accounts while missing one or all of the Three Tís. A self-investor needs to have the Time, Temperament, and Technique. If they are missing just one of the T's, this can lead to mistakes that can severely impact their financial dreams.

Nonetheless, if you wish to manage some of your accounts, we can set up a separate account(s) that will hold the assets you would like us to manage. If you wish, your self-managed account can be set up on our system as an unmanaged "custodial" account without a†fee, which then allows us to complete trades per your request, plus prepare tax and performance reports on your self-managed assets.

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Will you charge me an extra fee to consult with my tax advisor or estate planning attorney?
No, in most cases such consultations are offered as part of our normal management fee. In fact, we can act as your single point of contact working with your existing attorney's, CPA's and other financial specialist to coordinate an actionable plan to solve your financial concerns.† Because you demand the very best, we have also developed over the years a network of professional advisors that we can refer to you for your legal, tax, insurance and risk management needs. We accept no referral fees from anyone in return for referring a client.

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Will I get reports to help with income tax return preparation?

Yes, you will. We can send you a report of taxable events, including earnings from interest, dividends, realized capital gains, and capital gains distributions. We can also prepare a report showing the unrealized gains in your account at any time.

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Can you provide advice on how I should invest the money in my company's 401(k) Plan?
Yes. If you are actively participating in your company's 401(k) plan, we will provide guidance on how to choose among the available funds in your company plan. Please see Our Retirement Planning Services for more information.

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What is the process to start working with you?
We recommend starting with a brief phone call to understand what your overall objectives and needs are, and to schedule the first meeting. Before our first meeting, we will send you an introductory package about our firm, and encourage you to fill out a Personal Information sheet about yourself.

During our first meeting, we will find out what your specific needs and expectations are, discuss our investment approach, and describe how our approach would best be utilized for your situation. We will answer any questions you might have about our personal service.

If our approach appeals to you, we would then offer to prepare a proposal, at no cost or obligation to you. In our second meeting, we will present this proposal and show you exactly how we would design and implement a personalized portfolio program for you, and how we would address any financial planning issues.

At this point, if you decide to work with us, we will review your current situation, addressing your investments and financial priorities. This enables us to have a personal understanding of your financial goals and dreams. We then customize a solution unique to you and your family.

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Is self-management of my investment portfolio a viable option?
We recommend you to consider the ďThree T'sĒ of self-management.
For many investors the Three Tís are the most important and often overlooked aspect of investing. The Three Tís are critical in determining if self-management of your investment portfolio is a viable option.

Time
Having the time each day to spend analyzing, rebalancing, and researching is a very important aspect to managing your investment portfolio. Do you have the time and commitment to managing your investments on a daily basis?

Temperament
Do you have the temperament to manage your own investment portfolio? Youíll need to detach yourself emotionally from your investments to look at it in an objective manner. Youíll need to stick with your investment philosophies and know when to react or not react.

Technique
Technique is the third and most difficult aspect of managing your investments. When managing your own account, you will be the one to research market conditions, the economy, and develop a proper asset allocation. You will need to determine what securities to purchase at what price. Then you need to know what price to sell your investments at if it goes up or down in value.

Solution
As an individual investor managing your own account you might have one or two of the Three Tís, but if you do not have all three; Time, Temperament and Technique you are risking achieving your financial dreams. For those that are missing one of the Tís it makes financial sense to have a dedicated professional money manager like R.L. Paler Investment Advisors, LLC to manage your accounts.

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