How do you earn your living?
We are a fee-only firm. There are no "sales commisions" here and we do not have cookie-cutter products. Similarly, we don't have quotas or targets that must be filled. Our fee is 1.25% of assets under managemet [AUM].

What can you provide that others cannot? What's the difference with St. Germain?
At other firms, you may not have the opportunity to talk directly to the people making buy-sell-hold decisions. You have that kind of access with us. Our business and service models are aligned more with bigger investment houses. However, you don't need  $1 million to have an account with us. Our average relationship is about $200,000.

Do you have a customer service department? Is that an outsourced department at St. Germain?
Yes, we have a client services group located in our offices; we do not use outside services to manage customer inquiries or requests. In fact, our entire Operations Department is located here, at our firm, and not in some far-flung locale in another state or time zone.