Using a Financial Advisor

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=110 BGCOLOR="#666699" TEXT="#080000" bgproperties="fixed" background="04900840erlcjm.gif"> <div> <FONT SIZE="6" COLOR="#FFFFFF" FACE="Arial Black" ><B>DLH & Associates</B></FONT><FONT SIZE="5" COLOR="#FFFFCC" FACE="Arial Black" ><B> </B></FONT><FONT SIZE="1" COLOR="#FFFFCC" FACE="Arial" ><B>  </B></FONT><B>  </B><B>|     </B><A HREF="index.htm" TARGET="_top" TITLE="DLH Associates"><U><B>home</B></U></A></div> <div> <A HREF="advantages.htm" TARGET="_top" TITLE="Advantages of Mutual Funds"><U>Advantages</U></A>   |   <A HREF="disadvantages.htm" TARGET="_top" TITLE="Disadvantages of Mutual Funds"><U>Disadvantages</U></A>   |   <A HREF="right_for_you_.htm" TARGET="_top" TITLE="Are Mutual Funds Right for You?"><U>Right for You?</U></A>   |   <B>Using Advisor</B>   |   <A HREF="choosing_advisor.htm" TARGET="_top" TITLE="Choosing Us as Your Advisor"><U>Choosing Advisor</U></A>   |   <A HREF="fund_companies.htm" TARGET="_top" TITLE="Mutual Fund Companies"><U>Fund Companies</U></A>   |   <A HREF="useful_links.htm" TARGET="_top" TITLE="Useful Links"><U>Useful Links</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=190 BGCOLOR="#CCCCFF" TEXT="#080000" background="04311c00egdysm.gif"> <div> <A HREF="about_us.htm" TARGET="_top" TITLE="About Us"><U>About Us</U></A></div> <div> <A HREF="our_services.htm" TARGET="_top" TITLE="Our Services"><U>Our Services</U></A></div> <div> <A HREF="mutual_funds_investment.htm" TARGET="_top" TITLE="Mutual Funds Investment"><U>Mutual Funds Investment</U></A></div> <div> <A HREF="contact_us.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A></div> <bR> <div> <A HREF="mutual_funds_investment.htm" TARGET="_top" TITLE="Mutual Funds Investment"><U><B><IMG BORDER="0" SRC="Symb075c00b700c8cc333300.gif" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Mutual Funds Investment</B></U></A></div> <div> <A HREF="advantages.htm" TARGET="_top" TITLE="Advantages of Mutual Funds"><U><B><IMG BORDER="0" SRC="Symb075c00b700c8cc333300.gif" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Advantages</B></U></A></div> <div> <A HREF="disadvantages.htm" TARGET="_top" TITLE="Disadvantages of Mutual Funds"><U><B><IMG BORDER="0" SRC="Symb075c00b700c8cc333300.gif" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Disadvantages</B></U></A></div> <div> <A HREF="right_for_you_.htm" TARGET="_top" TITLE="Are Mutual Funds Right for You?"><U><B><IMG BORDER="0" SRC="Symb075c00b700c8cc333300.gif" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Right for You?</B></U></A></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700c8cc333300.gif" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Using Advisor</B></div> <div> <A HREF="choosing_advisor.htm" TARGET="_top" TITLE="Choosing Us as Your Advisor"><U><B><IMG BORDER="0" SRC="Symb075c00b700c8cc333300.gif" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Choosing Advisor</B></U></A></div> <div> <A HREF="fund_companies.htm" TARGET="_top" TITLE="Mutual Fund Companies"><U><B><IMG BORDER="0" SRC="Symb075c00b700c8cc333300.gif" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Fund Companies</B></U></A></div> <div> <A HREF="useful_links.htm" TARGET="_top" TITLE="Useful Links"><U><B><IMG BORDER="0" SRC="Symb075c00b700c8cc333300.gif" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Useful Links</B></U></A></div> </td> <td valign="top" height=370 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> Using a Financial Advisor</div> <bR> <div> Studies have shown that individuals who utilized the services of an independent financial advisor achieved net asset growth that was 34% higher than the financial returns achieved by investors who made their own investment decisions and did not receive outside, professional help during the three-year study period.</div> <bR> <div> This advantage is directly traceable to longer retention periods and reduced reaction to changes in market conditions.</div> <bR> <div> (Based on a study conducted in 1992 in Canada which interviewed 1,890 Canadian investors to determine their financial performance between 1989 and 1992.)</div> <bR> <bR> <div> <B>A mutual fund advisor knows:</B></div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b700dccc000000.gif" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">what your investment objectives are </div> <div> <IMG BORDER="0" SRC="Symb075c00b700dccc000000.gif" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">which funds best suit you </div> <div> <IMG BORDER="0" SRC="Symb075c00b700dccc000000.gif" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">which tax bracket you are in (to minimize your tax) </div> <div> <IMG BORDER="0" SRC="Symb075c00b700dccc000000.gif" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">how much money you require (to meet your financial objective) </div> <bR> <div> Also, if or when your mutual fund changes (for whatever reason), your advisor will be there to reorganize your portfolio if necessary to maintain your investment objective.</div> <bR> <bR> </td> </tr></table></body>