It is an honor to follow in the footsteps of Richard G. Rohman and Jeffrey P. Harriton, the founding partners of TimeCapital Securities, in 1974, and TimeCapital Investor Advisory Services, in 1976. TimeCapital has remained in the same location for almost 50 years. TimeCapital has provided clients with investment management customized to their needs, goals and tolerance for market risk. We complement this individualized investment approach with a degree of personal service that has helped us establish enduring client relationships – including many that span generations.