Most people think of the term financial planner as nothing more than a fancy name created by the insurance industry to enable their agents to sell you more insurance. In some cases, this is true.

We at G. H. Hubbell & Associates want to re-define the way you look at our profession. We want you to look at us as your personal financial manager.

TODAY'S INVESTMENT ENVIRONMENT

Hundreds of thousands of registered representatives may be qualified to help you with your financial matters. They call themselves a stock broker, financial consultant, account executive, investment counselor or, with the appropriate credentials, Certified Financial Planner (CFP), Chartered Financial Analyst (CFA) or Registered Investment Advisor (RIA), etc. And now, even bankers, accountants, insurance agents and discount brokers are offering financial services.

One thing is true for all registered representatives ~ they are licensed through the Financial Industry Regulatory Authority (FNRA) and are registered with an FNRA licensed broker-dealer. A person becomes a representative by passing securities licensing examinations. Most representatives also receive practical training about products and are required to take part in continuing education. Of course, every representative is under the scrutiny of various governmental and industry regulatory organizations.

HOW THIS AFFECTS YOU ~ THE INVESTOR

With so many alternatives, you've probably asked yourself, Who is the best investment professional for me? How do I know if he or she is with a financially sound organization? Can the representative offer numerous investment products and services or just a few? Do I pay fees or commissions for services rendered? These questions, in addition to the myriad of available investment alternatives, can make the process of investing bewildering and frustrating.

WHAT DOES THIS MEAN FOR YOU ?

Personal financial advice cannot be mass-produced. Investment decisions that vitally affect your economic security are far too important to be ignored or left to anyone whose primary responsibility is not to you, the client.

If you choose to work with us as your financial manager, we will work together to design a financial road map to help you as you strive to reach your financial goals and objectives. By assisting you in developing and implementing your personal financial plan, true control will take place in your financial life as you get closer to reaching your ultimate financial goals

BROKERAGE SERVICES

The principles and associates of G. H. Hubbell & Associates are individually registered with Foothill Securities Inc., which enables us to offer our clients access to thousands of mutual funds and other financial products. Unlike traditional Wall Street firms where captive brokers promote in-house products and objectives, our planners are independent advisors who service the individual needs of our clients.

THE CHOICE IS YOURS

Just as is the case with a personal physician, the ultimate consideration in using any investment professional is the personal relationship. The longer the relationship, the more important it becomes and the more likely your objectives will be met. Do yourself a favor and experience the objectivity, values and freedom you can attain by working with G. H. Hubbell & Associates.

We can help you stay on the road to the self-fulfillment of your values with a financial planning "Road Map".

The "Road Map" is a process to understand your values and your goals before we ever begin to develop your financial plan. We must first know where you are now, where you want to be in the future, in order to develop financial strategies to help you accomplish your most important financial values. Please call us at(650) 378-2414 or e-mail: ghh@ghhubbell.com today!

Gregory H. Hubbell, Registered Principal of and Securities Offered Through Foothill Securities, Inc. Member FINRA and SIPC.