Assabet Advisors is a fee-only Registered

          Investment Advisor with a fiduciary duty to put client

          interest ahead of our own. We are compensated entirely

          through asset fees. We receive no commissions, 12b-1

          fees, transaction fees or any other payments that

          could motivate our selection of investment products or 

          inflate our trading activity. 

          Assabet Advisors is committed to offering you 

          individualized and interactive services, with the 

          understanding that your personal objectives and 

          requirements should be the primary factors 

          determining your portfolio structure.

          In an initial fact-finding meeting, we will learn your 

          income and liquidity needs, investment objectives,

          time horizon and tolerance for risk. By analyzing these

          factors in conjunction with historical performance  

          data for various asset classes, we will create a personal              

          Investment Policy Statement for your portfolio.

          With your approval, we will proceed to implement the plan

          by making the investment, offering safekeeping of your assets

          at Fidelity Institutional Brokerage Services, or at another 

          custodian of your choice.

          You will receive frequent communications including 

          monthly portfolio reports, and will be offered portfolio 

          review meetings on a quarterly basis.

          As a part of our investment services, we will be prepared

          to discuss associated wealth management issues. We are

          available to meet with your other advisors and can assist

          you in locating advisors for your estate planning, 

          accounting or insurance needs.