Investment management during frenzied times.

In the latter part of 2008, we received many frantic calls from clients who were watching the stock market crisis unfold before their eyes. Some clients wanted to sell their entire portfolios. We listened, and we discussed their concerns. We told our clients that we didn't have all the answers, but we explained why we did not believe that the market crisis was the end of the world. If there was ever a time when our clients' trust in us was needed, it was then. Our clients heard us, and they made their decisions. They chose to remain in the markets for their longer-term benefit, but we adjusted asset allocations to levels that made them more comfortable.