Schwab Institutional Client Benefits : Stock Market Projections : Outlook : Predictions : China : Commodities : Inflation : U.S. Dollar : Budget : Trade : Deficit : Valuations : U.S. : Global : PE : Investments : Fund : New Bull : Over : Technical Analysis : Atlanta : Independent Money Management : Southeast

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Ciovacco Capital Management, LLC is an independent money management firm based in Atlanta, Georgia. CCM helps individual investors, large & small; achieve improved investment results via research and globally diversified investment portfolios. Since we are a fee-based firm, our only objective is to help you protect and grow your assets. Our long-term, theme-oriented, buy-and-hold approach allows for portfolio rebalancing from time to time to adjust to new opportunities or changing market conditions.

Stocks 2006

Commodities 2006

Independent Advice

Asset Management

Benefits of Working With Schawb Institutional & CCM

Schwab Institutional, a division of Charles Schwab & Co., Inc., handles the custodial services (they hold your assets), they mail the statements, and necessary tax documents. Our firm focuses on research and portfolio management.

"What is the nature of the relationship between CCM & CCM's Custodian?"

Schwab Institutional, a division of Charles Schwab & Co., Inc., has been selected by Ciovacco Capital Management as the primary custodian for CCM's clients. Having Charles Schwab as custodian for client assets allows us access to comprehensive services to help us serve our clients. The recommendations made by Ciovacco Capital Management (CCM) are made soley by CCM and bear no input from CCM's custodian. Similarly, any information obtained from a Charles Schwab & Co., Inc. site or publication in no way reflects the opinion of Ciovacco Capital Management, LLC. No revenue sharing takes place, either directly or indirectly, betweeen CCM and its custodian. For example, when a stock is bought or sold, the client is charged $8.99*; 100% of the $8.99 goes to the custodian. Similarly, when a client is charged a quarterly management fee, 100% goes to CCM. We are separate entities working together to better serve the individual investor. As it should be, the setup produces a "win-win-win" relationship; it is good for CCM, good for the custodian, and good for you (the investor).

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Schwab Institutional, a division of Charles Schwab & Co., Inc., is a leading provider of custodial, operational and trading support for independent investment advisors. Using Schwab as primary custodian, Ciovacco Capital Management, LLC has access to a wide range of products and support to help investors reach their financial goals, including:

Full range of investment strategies and trading services

Wealth management services

Technology and service support

Safeguards designed to protect assets

Strict ethical business practices

These materials have been independently produced by Ciovacco Capital Management, LLC. Ciovacco Capital Management, LLC is independent of, and has no affiliation with, Charles Schwab & Co., Inc. (“Schwab”) or Charles Schwab Bank. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Charles Schwab & Co., Inc. conducted any independent verification of the facts and representations underlying these materials.

*$8.99 fee based on account size. Typical client pays between $8.99 to $12.99 as of 01/01/2009.