1299 Ocean Avenue, Santa Monica, CA  90401 

              founded in 1981

           more than $154 billion in assets under management

           Assabet Advisors  is one of a select group of fee-only advisors

           approved by Dimensional Fund Advisors for the distribution of their funds. We 

           believe this is a significant added value for our clients.  We receive no

           compensation of any kind from Dimensional.

           Our enthusiasm for Dimensional starts with our agreement with their  

           beliefs that:

            -  markets are generally efficient,

            -  risk and return are related,

                 -  diversification is key as the antidote to uncertainty, and 

                 -   asset allocation principally determines results in a broadly

                diversified portfolio.

            Basing their work on ongoing academic research, Dimensional has

            developed asset class strategies designed to deliver the performance of

            the target asset class but with an objective of achieving an additional 

            100-200 basis points over conventional market benchmarks.

            Through trading strategies and portfolio engineering, Dimensional

            minimizes transaction costs and enhances returns.

            These strategies allow the advisor to implement asset allocation plans

            which aim at capturing the individual risk and return requirements of

            the client.  At the same time, they tend to be an improvement on both   

            active and passive management in terms of cost and performance.