Curbstone Financial Management Corporation

Our goal is to satisfy client needs that are typically not being met in advisory relationships.

Asset managers typically do not perform well in terms of educating their clients or in terms of consultative services to their clients. Trust departments often do a better job of consulting with their clients, but perform poorly in the asset management area.

By combining individuals skilled in consultative services with individuals devoted to portfolio services, we believe that we provide the best client-oriented services available.

Such consultative advisory services may include the following components:

• Introduction to Concepts of Asset Allocation
• Data Collection and Analysis
• Analysis of Current Portfolio, Securities Selection, Risk Profile
• Evaluation of Income Needs
• Testing Tolerance for Volatility
• Observations and Recommendations
• Selection of Risk Profile
• Construction and Monitoring of Portfolio

All client assets are held in custody by independent custodians.

Client risk profiles may be changed as circumstances may dictate.