The Aspiring Entrepreneur       An insurance agent had worked for a major property/casualty insurance firm in Texas for 30 years. He desired to have his own agency and eventually pass it on to his son, with whom he was already working. He and his wife sought advice from Dearborn & Creggs and had several meetings to discuss rolling over his pension and 401(k). We explained the advantages of many types of investments and the agent decided that a diverse portfolio of mutual funds fit his needs. He told our firm that we earned his business because of the trust and personal commitment to his welfare that we had shown him. Since his initial investment, his accounts have grown significantly and we have met on several occasions to review his portfolio and make additional investments. The Small Business Owner       The owner and sole employee of a small construction fastener business in his mid-30s came to Dearborn & Creggs for help in developing a retirement savings plan that would allow him to make discretionary, tax-deductible contributions. We consulted with his CPA and established a simplified employee pension (SEP-IRA), which is designed for the small business and the self-employed. The SEP-IRA met his need for a plan that was easy to set up and maintain, with minimal paperwork and no IRA reporting. His retirement funds are now growing tax deferred and are invested in a variety of mutual funds that provide him with exposure to a variety of domestic and foreign markets. The Educator       A Houston Independent School District educator who had recently transferred from the Chicago public schools had tried unsuccessfully for four months to have her retirement funds transferred to an IRA. Because of our expertise with group retirement plans, we were able to obtain the necessary documentation in a matter of only a few days. Within a very short period of time after the transfer was complete, our client's money was invested and growing, resulting in a "very happy teacher." The Couple Planning for Retirement       An independent computer consultant and his wife were referred to Dearborn & Creggs. They had become acquainted with our firm through some of our community service work. The couple wanted to create a retirement fund with tax deferral since they were earning a high salary, and were interested in a somewhat aggressive investment profile. We suggested a tax deferred annuity portfolio that offered excellent diversification and the opportunity to utilize some very aggressive mutual funds. When the couple returned the next year for a review, they were so enthused with their performance that they revised their targeted retirement age to their early 50s rather than their late 50s. We made a subsequent investment in a family of mutual funds that also performed well. The delighted couple responded that they only started making money after they finally hired a professional.
	Copyright © 2006 Dearborn & Creggs Investments. All Rights Reserved. 77 Sugar Creek Center Blvd. Suite 590 Sugar Land, TX. 77478 (281) 277- 6400 Advisory Services and Securities offered through Lincoln Investment Planning, Inc. Registered Investment Advisor, Broker Dealer, Member NASD/SIPC. Lincoln Investment Planning, Inc. and Dearborn & Creggs are independently owned and each is responsible for its own business.