John N. Marcheso & Associates, Inc.
INVESTMENT ADVISORY SERVICES

Investment Philosophy
John N. Marcheso & Associates, Inc.'s core investment philosophy is based on the premise that no single investment approach, or investment management firm, holds the key to superior investment performance over time. Numerous academic studies have concluded that investment allocation by asset class is the primary determinant of long-term investment return. Such studies have further concluded that within each asset class, Investment style and sub-styles are the primary determinants of performance.

Flexibility
John N. Marcheso & Associates, Inc. Advisory Services Department offers you many options to work with:

Fee Based Financial Planning
John N. Marcheso & Associates, Inc. can offer clients consulting services on an hourly or fixed fee basis. These consulting services can range from conducting a simple investment analysis to preparing an entire financial analysis and plan for our clients. This service is for prospective clients who need professional advice, but like to invest on-line or through discount firms.

Third-Party Professional Money Management
John N. Marcheso & Associates, Inc. currently works with several independent third-party money management firms. These firms offer services such as individual account management, sector rotation, asset allocation, and market timing services to name a few. With the variety of firms we currently have advisory agreements we should be able to find a good match to help our clients meet their investment objectives.

"WRAP FEE" Program
Through the Centaurus Advisory Department we offer a traditional wrap program. Instead of paying commissions, our clients have access to thousands of no-load or load-waived mutual funds and no-load, multi-manager variable annuities. Our clients then pay a low quarterly management fee in return for advice regarding asset allocation, risk management, fund selection and performance monitoring.