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We believe that asset allocation and diversification are the key components for long-term investment success.  It is our belief that exposure to a wide mix of asset classes will result in a reduction in volatility while providing superior long-term results.  In this regard, our portfolios have targeted allocations within the equity category for domestic large cap, mid cap, small cap, real estate; developed international, emerging markets, and commodities.  Within the debt category we have targeted allocations for U.S. Treasury, U.S. Agency, investment grade corporate bonds, high yield bonds, inflation protected securities, certificates of deposit and international bonds.

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