DOES THIS STUFF REALLY WORK?

I don't buy it. Don't listen to us.

Hear is what others have to say.

The results speak for themselves.


My wife and I first met Ashish about a year and a half ago at a seminar he gave on

investments.  Since then we have invested our retirement accounts with him.  Based on

our experiences with stock market declines over the years, first with a large brokerage

house and then with a major bank handling our investments, we wish we had met

Ashish earlier.  Our accounts have shown no losses during the downward market

movements.  It is particularly important to us to preserve our principle since we have

reached retirement age.  Also, our accounts are set up to provide us lifetime income

while capturing upside potential without experiencing market losses.  Ashish has given

us personal attention and has been available when we needed to consult with him ever

since he started handling our investments.  We view him as a friend as well as an

adviser.  We believe he is genuinely concerned about our financial future and we look

forward to a long relationship with him.


                                                                                       Frank and Judi Hays