As a Fee-Only registered investment advisor, BFA is committed to two fundamental promises:

I. Fee-Only Compensation and Full Disclosure

• We do not charge commissions, we receive no compensation from other parties, and there are no hidden fees and no surprises!

In our industry, many consumers are harmed by outrageous fees and high commissions that are never disclosed to them. As a client of BFA, you always know in advance what you will pay for the services provided….always.

II. Fiduciary Relationships

• The Fiduciary standard is the highest standard of practice in our industry. It means that your interests are always placed above ours and that any potential conflicts of interest are always disclosed. It also means that our compensation is aligned with your goals….we do well when you do well.

Most investment advisors and brokerage firms refuse to call themselves fiduciaries because the standard of practice is so high. This standard is what we would expect for ourselves and our investments and we feel it is only right to provide these services to our clients.

These two promises help align our goals with our clients’ goals. It is the right way to do business.

Investment Philosophy

In the investment management industry, there are many philosophies regarding the best way to manage money. At BFA, there are three fundamental factors (the “3-Ds”) that we use to help you insure long-term success: Diversification, Dominance and Discipline.

Diversification

Diversification means more than selecting lots of different types of investments. BFA uses strategies to help insure that your portfolio participates in global market opportunities while managing the risks associated with unexpected. It is a conservative approach that is designed to help protect your savings while providing you with the growth you need to meet your goals.

Dominance

It is easy to argue that the best way to realize the best returns is to work with the best managers. At BFA, you benefit from the research tools we use to help you identify the stars of our industry. By picking the dominant players in the investment world, you benefit from the world-class expertise of their teams. Also, by working with a Registered Investment Advisor like us, you have the opportunity to pool your assets with our other clients and to purchase lower-cost, institutional investments which save you money and provide more opportunity for growth in your savings.

Discipline

The investment management discipline you will find at BFA is time-tested and has been proven to be successful in good markets and bad. In uncertain times like these, it is important to know your strategy well and to stick with it. Your future financial security is at stake and we believe that sticking to the fundamentals and avoiding the “next new thing” is how we protect our clients. This is our discipline.