ABOUT ARROWHEAD ASSET MANAGEMENT

With offices near San Marcos (between Austin and San Antonio) in Wimberley, Texas, Arrowhead Asset Management (AAM) is a fee-only investment advisory service offering performance-proven, low risk retirement plans and individual investment accounts for middle and upper income families, small business owners, and higher education professionals in central Texas.

For most clients, our primary custodians are 1) the no-load mutual fund company and discount broker Fidelity Investments for both retirement and brokerage accounts and 2) TIAA-CREF, the no-load, non-profit financial services firm for limited after-tax annuity and term insurance needs.

Unlike the investment advisors and brokerage & insurance industry salespeople who promote the failed "buy and hold, trust the stock market" asset allocation philosophy of money management, our investment strategy achieves superior on-going investment returns by using an active, risk-managed approach.

In fact, many investment advisors know little about technical analysis and investment money flow to be effective managers of capital. Hence, the passive management investment style of age/risk based "asset allocation" modles will perform well in a "bull" market, but seriously underperform in "bear" markets.

Moreover, there is a misconception that investment risk is mostly about diversification. In fact, risk is mostly about when to be in the market or not -- and how much money should be in and out of the market at any given time. Diversification is used simply as a ruse by many advisors to get client money into the firm -- and then move on to selling the same investment package to the next naive investor.

Arrowhead Asset Management refuses to lie about investing. We believe an investor deserves to be treated intelligently.

Finally, we accomplish our on-going superior performance by focusing on market determined positive money flow trends into the various asset classes, industry-specific sectors, global geographical regions, high income securities, real estate investment trusts (REITs), stocks, and money market cash when necessary.

At the same time, our investment decisions avoid sectors and asset classes that are in negative down trends. Bottom line: we make every effort to invest in what is going up and avoid investing in what is going down.

Clients of Arrowhead Asset Management (1) receive objective investment advice, (2) avoid paying antiquated, performance-reducing commissions, and (3) retain control of their assets by shunning commission "back-loaded" brokerage products and insurance annuities that are costly, illiquid, and ineffective in today's investment environment.

In the end, if you are tired of seeing your retirement and brokerage assets decline because you have been made to believe the lazy and failed Wall Street/business school hyperbole of "market efficiency" and "buy and hold" investing, please contact us for some straight talk about your money and your financial future.

For your own financial benefit, take action now and contact us at 1-800-299-4646.

Arrowhead Asset Management (AAM) was founded in 1991 by Ralph A. Boschert for the purpose of providing our specific investor groups with a more sophisticated investment advisory service (fee-only) than that offered by the typical brokerage and insurance company sales approach.

Ralph A. Boschert, Owner and Managing Principal of Arrowhead Asset Management, is a Registered Investment Advisor and has over 25 years experience in the money management and investment business. Prior to establishing Arrowhead Asset Management in 1991, he was the National Training Director for NAP, Inc. in Austin, Texas and a Financial Planner for a money management firm in San Francisco, California. Mr. Boschert also served five years as Assistant Director of Higher Education Placement at the Career Planning and Placement Center, University of California, Berkeley, from 1979 to 1984.

Mr. Boschert has a Master's degree (1978) and Bachelor's degree (1975) from California State University, Chico, and is a nationally recognized speaker and published author on green energy, social-value investing, and the inappropriateness of insurance annuities within retirement plans. Mr. Boschert is currently working on a book called "Smart Money Management for Progressive Investors." He works and resides in Wimberley, Texas.

Ryan Stump, Information Technology and Administration Manager, has worked as a Supervisor for Flextronics, a technology outsourcing firm, as well as a Marketing Assistant for a financial services firm in San Antonio, Texas.