Susie can help you with your real estate investment needs. Remember that the stock market fluctuates a great deal. It goes up and down. But real estate is nearly always a sound investment and maintains its value. Every good, solid investment plan involves real estate holdings of some way, shape or form. Let Susie work with you to find just the perfect addition to your portfolio.

A smart investor knows that diversification of investments is the smartest, safest and most proven approach to take.

In times of market volatility, this becomes crucial. Having a liquidity mixture in your portfolio is also a smart idea. The exact mix of your portfolio depends on several factors including age, tax bracket, risk tolerance, liquidity needs, and investment goals. In general, here is a good idea of a well-diversified portfolio:

*Cash Reserves for short-term needs -- checking accounts, money-market accounts, savings accounts and shorter-term CDs.

*Longer-term, taxable investments that are relatively liquid, such as:

• Stocks -- common or preferred
• Bonds -- U.S. Government, corporate
• Mutual Funds -- bond funds, growth funds, balanced funds, international funds

*Tax-advantaged investments, such as:

• Annuities -- fixed and variable
• Qualified Plans -- 401(k), 403(b), IRAs, SEPs, SARSEPs
• Municipal bond funds

Susie can help you with your real estate investment needs. Remember that the stock market fluctuates a great deal. It goes up and down. But real estate is nearly always a sound investment and maintains its value. Every good, solid investment plan involves real estate holdings of some way, shape or form. Let Susie work with you to find just the perfect addition to your portfolio.