The Investment Pyramid
          
               An investment program should be built like a
          pyramid -- with a strong, broad base.  The diagram
          below illustrates a typical investment pyramid.
          
          
                                            *
                                           * *
                                          *   *
                                         *     *
                                        *  Art  *     HIGH RISK
                                       * Metals  *    HIGH REWARD
                                      *Gem Stones *
                                     *   Options   *
                                    *  Commodities  *
                                   *   Exploration   *
                                  *  Venture Capital  *
                                 *                     *
                                *      SPECULATIVE      *
                               *-------------------------*
                              *  Investment Real Estate   *
                             *        Growth Stocks        *
                            *      Growth Mutual Funds      *
                           *       Equity Partnerships       *
                          *                                   *
                         *                GROWTH               *
                        *---------------------------------------*
                       *         Sale of Covered Options         *
                      *           Conservative Equities           *
                     * (Util.Stocks, Convertible Bonds, Bal.Funds) *
                    *   Residence    G.N.M.A.    Retirement Plans   *
                   *        Corporate Bonds        Annuities         *  
                  *     Municipal Bonds     U.S. Govt. Notes & Bonds  *  
                 *                                                     *   
                *                          SECURE                       * 
               *---------------------------------------------------------*
              *                    Savings - T-Bills                      * 
             *                Money Market Funds/Accounts                  *
            *                 Life Insurance (Cash Values)                  *
           *                                                                 *
          *                           LIQUID FOUNDATION                       *
          * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *
          
                                                                 LOW RISK  
                                                                LOW REWARD
          
          
          
          NOTE:  This Pyramid is intended merely to illustrate the concept.
          Each investor will differ on the levels to which various assets
          are assigned.