Baylor Byrnes Brackman Group will help you to achieve your investment objectives. Whether you are an individual, a family, a company or a trustee, we will tailor our service to suit you. Our high quality discretionary and advisory portfolio management services provide our clients with direct access to an investment manager, who will identify solutions to suit their individual, financial needs. Prudent management, an uncompromising commitment to our clients and our long-term financial stability drive our corporate success.

Our clients benefit from our objective advice, high quality service and the close working relationship we maintain with them. The great advantage of using Baylor Byrnes Brackman Group is that our services are carefully tailored to your specific financial circumstances and objectives. We treat you as an individual, in terms of the personal attention you receive as well as the investment solutions we propose by Baylor Byrnes Brackman Group.

It is for these reasons that many of our new clients come to us by way of - personal recommendation - the ultimate endorsement of the value of our services.

Our Philosophy

Baylor Byrnes Brackman Group investment management philosophy is to achieve the total return (capital gain plus income) within your risk tolerance and time horizon necessary to help you make your financial dreams come true. Our goal is to create and maintain your sense of comfort and peace of mind in spite of the unpredictable volatility of today's investment climate. We employ a disciplined asset allocation approach within a defined investment strategy - one designed to prudently accumulate wealth while limiting risk.

Baylor Byrnes Brackman Group will design your personal portfolio which incorporates your personal investment criteria of specific needs, goals and risk tolerance. We do not attempt to time the stock market. Time in the market is far more important than timing the market. We continually monitor your portfolio to ensure that your assets remain invested in a manner consistent with your criteria. You maintain complete control over your assets to ensure you stay on track to helping make your financial dreams become a reality.

Why Investment Management

If you are uncertain about the stock market or lack the time to properly manage your investment portfolio, Baylor Byrnes Brackman Group can help you gain control over your investments. We offer the guidance you need to help clarify your investment needs and maximize your investment return.

Are you asking yourself the following questions?

How can I monitor the stock market, when I have a full time job? My friends tell me tips on when to buy a stock, but when is a good time to sell?

Should I be buying bonds with such low interest rates?

What is asset allocation and how can it help me?

Should I discuss my investment strategy with an expert that knows my needs?

How do I calculate my risk tolerance?

My investment portfolio has reached a size where I am no longer comfortable managing it myself?

How do I maximize my returns without taking undue risks?

How We Can Help You

Baylor Byrnes Brackman Group CAN HELP YOU!

Baylor Byrnes Brackman Group identifies your needs and goals through a disciplined analysis of your specific situation. We will help you evaluate your risk tolerance, time horizon, your personal, business and family circumstances, tax implications, and other variables (such as stock preferences) that affect your investment strategy. We adopt a long-term investment outlook with the core of our investment strategy being asset allocation.

ASSET ALLOCATION

This is the single most important determinant of investment success, responsible for more than 90% of portfolio returns. By carefully balancing your funds among a range of asset classes, each with different performance characteristics, we help you achieve your individual objectives at the lowest level of risk. Baylor Byrnes Brackman Group provide the information you need to understand your investments, including an extensive analysis of your investments each quarter or as requested. You have an ongoing relationship with us to help guide your investments and ensure that your portfolio remains appropriate over time.

Baylor Byrnes Brackman Group adds value at each stage of the process. With extensive experience, we understand both the personal and the quantitative sides of investing. In addition to evaluating the markets and developing investment strategy, we are a source of investment information and a professional "sounding board" for your ideas. Baylor Byrnes Brackman helps create your overall investment plan while attending to the details of each element within your personal plan.

Because Baylor Byrnes Brackman Group offer a customized relationship-centered approach, we will contact you frequently, alerting you to the investment implications of political and economic events or discussing the changes in your own life situation that may require an investment response. Regular meetings throughout the year provide an opportunity to assess performance and modify the portfolio when appropriate. We are, of course, available to you at any time for meetings or telephone calls. Baylor Byrnes Brackman Group investment management services are consistent with our emphasis on quality, safety and putting your interests first. We sincerely believe that these services afford the greatest opportunity for long-term success.

We add value at each stage of the process. With extensive experience, we understand both the personal and the quantitative sides of investing. In addition to evaluating the markets and developing investment strategy, we are a source of investment information and a professional "sounding board" for your ideas. Baylor Byrnes Brackman Group helps create your overall investment plan while attending to the details of each element within your personal plan.

Because we offer a customized relationship-centered approach, we will contact you frequently, alerting you to the investment implications of political and economic events or discussing the changes in your own life situation that may require an investment response. Regular meetings throughout the year provide an opportunity to assess performance and modify the portfolio when appropriate. We are, of course, available to you at any time for meetings or telephone calls. Baylor Byrnes Brackman Group investment management services are consistent with our emphasis on quality, safety and putting your interests first. We sincerely believe that these services afford the greatest opportunity for long-term success.

Baylor Byrnes Brackman Group Full Service, Full Advice

We spare no effort to fulfill our mission, which is to manage the world's most important investments-Yours.

Quality Advice-A Capital Asset

When you do business with Baylor Byrnes Brackman Group, you enjoy access to a comprehensive range of investment vehicles that is not available at just any other financial institution. And yet, that's not our top priority. Our primary role is to offer you enlightened, well-researched and well-documented advice, to help you make the right financial decisions. Before even telling you about our products, we put you in contact with a Personal Investment Advisor who will assist you with all your investment decisions.

Establishing a Real Investment Strategy

The first time you contact Baylor Byrnes Brackman Group, we will immediately refer you to one of our Investment Advisors. He or she will become your personal counselor and guide to all our services. Your Investment Advisor is always available, and will make recommendations in keeping with your changing financial position, market conditions and tax concerns. Your Investment Advisor will help you establish a plan - a long-term view of your financial future and the context in which it should be considered. First, you'll work together to identify your investment objectives and investment "horizon." Then your Advisor will help you define your investor profile. This is a critical step, since knowing your investor profile allows you and your Investment Advisor to establish the right asset mix for your portfolio. From that moment on, you will begin to realize what a capital asset our advice can be.

A Long-term Relationship

Dealing with an Investment Advisor is about more than just products and trading. It is about developing a long-term relationship with an investment professional that has the benefit of the best training in the business. This person is your expert - always there to provide information and advice in keeping with your financial situation, current market conditions and tax concerns.

Baylor Byrnes Brackman Group Products

Mutual Funds

With nearly 11,000 mutual funds available, it can be difficult to know which fund(s) to pick. That's why at Baylor Byrnes Brackman Group we focus on several preferred mutual fund families that share our same commitment to service, long-term investment objectives, and long-term performance.

All investments, including mutual funds, carry a certain amount of risks. Meet with a Baylor Byrnes Brackman Group Investment Advisor, to discuss your investment needs and select the most appropriate mutual fund(s) to help meet those needs.

You should consider the investment objective, risks, and charges and expenses carefully before investing. Your Baylor Byrnes Brackman Group Investment Advisor will advise you on these before investing.

Fixed Income Investments

Fixed income investments are an important part of a well-diversified portfolio. Fixed income investments pay interest at specified times in fixed amounts, and are usually issued by a corporation, municipality, government or government sponsored agency.

There are two primary reasons investors may want to include fixed income investments in their portfolio:

Regular Income - Fixed income investments provide a stable and regular stream of income.
Diversification - Fixed income investments are essential to the performance of an individual investor's portfolio.

Equity Investments

There are three primary reasons investors may choose to incorporate long-term, quality stocks in their portfolio:

Higher Returns - Over a longer period of time, stocks have almost always provided higher returns than other investment alternatives.

Rising Income - Stocks offer the potential for rising income through dividend growth. Rising income helps protect investors against inflation.

Diversification - Stocks, combined with other types of investments, can help reduce the uncertainty of future portfolio returns, compared to owning only one type of security.

Learn more about equity investments and their place in a diversified portfolio by contacting your Investment Advisor.

Baylor Byrnes Brackman Group General Services

Baylor Byrnes Brackman Group specializes in helping individual investors achieve their personal investment goals. We can help you develop a plan tailored to your individual objectives. Then, we can assist in selecting investments and services that are consistent with your objectives. Learn more about the value-added services we provide:

The Baylor Byrnes Brackman Dollar Cost Averaging Plan

Trying to time the market is much easier said than done. That's why Baylor Byrnes Brackman Group offer a program called Dollar Cost Averaging (DCA). DCA is a regular and disciplined investment program that can potentially grow your portfolio over time. By investing a fixed dollar amount each month, market fluctuations can work in your favor, allowing you to buy more shares when prices are low and fewer shares when prices are high. Although DCA does not assure a profit and does not protect against a loss in declining markets, it typically results in a lower overall average cost per share.

DCA offers these features and more:

Ability to invest regularly over time rather than with one lump sum
Available on mutual funds and select stocks
Low minimum investment

Dividend Reinvestment Plan

Many companies distribute their earnings to shareholders in the form of a cash dividend. By reinvesting those cash dividends rather than accepting a check from the company, individual investors can increase the holdings in their portfolio.

Dividend reinvestment currently offers these benefits and more:

- Available on select stocks
- Once it's set up, it's completely automatic

Portfolio Analysis

A simple annual review of your portfolio can help ensure your investments remain on track and take you in the direction you want to go. A free portfolio analysis will give you a complete picture of your financial situation Baylor Byrnes Brackman Group.

You'll find answers to these questions and more:

Are my savings keeping up with inflation?

Am I paying too much in taxes?

What can I do to help improve my portfolio's performance?