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You are a candidate  for a Second Opinion if you:

*  Considered retiring but now are reconsidering

*   Feel they have sustained greater than average losses

*  Have a 401-K, SEP-IRA or IRA and receive no guidance

*  Have concerns about their portfolio performance during these   trying economic times

*  Want an evaluation of their current investment strategy in current market conditions

*  Want to understand their investments

*  Are uncomfortable with their current risk exposure

*  Do not understand why their investments have lost so much

*  Incur excessive capital gains

* Have been recently bereaved

*  Are separated or divorced

*  Recently inherited a sum

*  Become a trustee for an incapacitated friend, relative or become a trustee for a sizeable trust

*  Have not opened their statements out of fear