Matrix Adviories, Inc. (MAI), a Michigan Corporation which was organized in 1987 and is registered as an Investment Advisor with the State of Michigan

Matrix Advisories works with its clients in the provision of investment information and advice through consultations on financial planning. The consultation often utilizes charts, graphs or other analytical tools designed to enhance a client’s understanding of investment strategies. As an integral part of this process MAI also provides information and advice regarding topics of general financial interest and specific investment options.

MAI’s planners maintain high levels of operational knowledge within a wide range of investment opportunities including but not limited to load and no load mutual funds, exchange listed securities, municipal securities, real estate, oil, mineral and gas, certificates of deposit, annuities and government securities.

The foundation of sound advice and guidance is solid, applied research. MAI research methodologies include both fundamental and technical analysis. MAI is continuously conducting research and analysis activities using individual and team formats and utilizing data drawn from an extensive and evolving data base. This database reflects the circumstances of the economy, the financial world, and developments within the greater society. It also incorporates information from the popular media, investment rating services, prospectuses, the financial media (including both electronic and printed sources), annual reports, and outside research and rating services.

The investment advisor representatives of MAI come from a wide range of educational and experiential backgrounds. MAI includes individuals with securities, insurance licenses. In order to offer clients a full range o services some MAI planners are registered representatives of MTL Equity Products, Inc., a registered securities broker dealer. These registered representatives may, if requested, implement the investment decisions of clients by executing the corresponding transactions, and may be compensated through commissions and fees on the securities purchased by the client. In some cases they may also receive fees or commissions or other compensation from sponsors of investment opportunities and insurance companies. MAI planners will disclose to the client in advance any such compensation arrangements.

The MAI philosophy regarding client relationships emphasizes long- term stable interactions. The current clientele includes an impressive array of individuals, qualified plans, trusts, charitable organizations, corporations and partnerships.

MAI offers a variety of service arrangements to its clients. Depending upon client needs, fees can be addressed in a variety of ways on either a fixed or hourly rate. Accounts are reviewed only at the option and discretion of the client. Reviews can be handled on either a fixed or hourly service rate, and will be performed within the time sequence specified by the client. MAI retains no brokerage discretion nor custodial accounts. MAI clients are encouraged to make independent judgments regarding its advice and are free to accept or reject any advice offered. Although its service philosophy rests strongly in favor of long-term investment strategies, actual plans can be customized to meet customer needs. One of the many ways in which we demonstrate our client relationship philosophy is our fee refund policy , you have the right to rescind the investment advisory contract without penalty within 30 business days of entering into the investment advisory contract.

Matrix Advisories is uniquely positioned to assist you with your financial future. We are doing our homework so that you can make the financial decisions that are best for you, your family, and business. We have committed the resources of our company to ensure that your financial future properly reflects the energies and priorities of your financial plan.