We analyze no-load funds and make specific recommendations. Two approaches are available to clients for implementation:

1. For independent investors, our “Self-Directed” approach enables you to use your own broker or purchase no-load funds directly. Perfect for people who like to place their own trades through a broker of their choice; (internet, discounters, etc).
    
2. Our exclusive “Directed Portfolios” include specific recommendations of no-load mutual funds which we monitor quarterly. Shares can be purchased directly through Schwab Discount Brokerage without paying commissions (might include a small transaction charge).