As a registered investment advisory firm, our fiduciary commitment begins at the time of our initial communication and extends throughout our complete and ongoing partnership with our clients. We have a fundamental obligation to provide investment advice in the best interests of our clients. We owe our clients a duty of undivided loyalty and utmost good faith. We do not knowingly engage in any activity that is in conflict with the interest of any client, and we take steps reasonably necessary to fulfill our obligations. If a conflict of interest does exist, we provide immediate and full disclosure. We employ reasonable care to avoid misleading clients and we provide full and fair disclosure of all material facts to our clients and prospective clients. We attempt to eliminate all conflicts of interest that might incline us to render advice that is disinterested.