We do not have access to your portfolio and funds.

Your account will be open under your name and you and TD Ameritrade alone will have access to withdraw funds from it.

While you open the account, you will give permission to TD Ameritrade to withdraw our fees taken out quarterly when we send them a statement. TD Ameritrade usually verifies that the fees are reasonable before making the deduction from your account.

Otherwise, funds can move only in and out of account with your name, address, social security number opened with your signature. They can move out of your account only upon your written instructions.

Frauds such as those committed by Madoff are committed partly because he had custody of the assets. In general, it is our opinion that you can significantly reduce any risk of fraud by making sure of 3 things:

1- All your assets are kept in accounts in your name (or with your spouse) alone.

2- The company investing and managing your funds on your behalf (in this case "Us") and the company keeping, counting, and reporting to you (in this case"TD Ameritrade") are separate and cannot influence each other.

3- Review your statements at least quarterly or semi-annually.

This is the set up we offer our clients to assure them that there is no risk of any fraud or misappropriation of their funds.