01/24/2005

Earnings setting the tone for 2005

Hello:

Mixed earnings reports for the fourth quarter of 2004 are setting the tone for 2005. It would not surprise us if much of the new year characterized by modest, uneven economic improvement. This might lead to modest gains for the equity markets this year. We continue to believe that a properly diversified portfolio is important to successful investing.

Do you know someone who wants to move assets to another generation? Perhaps we can be of assistance with a financial plan that contains a charitable component.

Congratulations to my business partner Ray Dicius for earning the professional title of Certified Senior Advisor (CSA). Watch this space in future editions of the Weekly e-Update for tips on "Leading Edge Living" -- issues important to leading edge baby boomers and seniors.

Terri G. Millson, CIMC President

Ray Dicius, CSA, GEPC LPL Branch Manager