Portfolio Improvements

Good News… some of our mutual funds in our T.D. Ameritrade Accounts are now offering a new share class of the same mutual fund which has lower internal expenses.

Over the next few weeks, we will convert our current funds to the lower internal expense funds, where appropriate. There is no cost for this conversion to you… it is not a taxable event… and no paperwork is necessary.

This conversion to the new share class of our current mutual funds will enable us to reduce operating costs even further, thus improving our portfolio's potential performance.

Best Wishes…

Mark