The Ten Commandments of a Disciplined Investor

I. Buy Quality
We offer a wide selection of investments that are highly rated by independent research services. And, at First Reserve, we continually track the investments to make sure they maintain their high rating!

II. Know Your Objective
Whether you're looking for growth, income, stability, or a little of all three, our interview process can help you define your investment objective.

III. Invest for the Long Term
Successful investing takes time and patience. Try to avoid investing money that cannot stay invested for at least 5 to 10 years or longer.

IV. Understand Your Investment
At First Reserve, we provide all the information and time you require to make well-informed investment decisions!

V. Diversify
History has shown that diversification reduces risk without substantially reducing returns. Whether you're investing $5,000 or $500,000, our recommendations employ the power of diversification to potentially maximize your returns and reduce risk!*

VI. Seek Unbiased Guidance
Commonwealth Financial Network, member NASD, our broker/dealer, is a national network of independent financial professionals. Through Commonwealth, we offer access to a wide range of investment products and packages.

VII. Time, Not Timing
TIME IN THE MARKET is far more important than "timing the market." Yet many investors seem to sell on bad news (sell low), and buy on good news (buy high). This is where we can help you stay focused on your goals—TO PURSUE YOUR WEALTH OVER TIME—not in the daily markets.

VIII. Know the Truth About Risk
At First Reserve, we only work with investments that have long track records. That means we can show you how they performed in up and down years! But remember that past performance is not indicative of future results.

IX. Review Your Progress Regularly
We make it easy! Every six months we send you a full report, which includes a graph of each investment, your current account balance, and the total return since purchase.

X. Stay Close to Your Consultant
We are easy to reach by telephone, facsimile, regular mail, or e-mail. See contact information.

*Remember that securities are subject to market risk and that diversification alone does not protect against market fluctuations.