Professional Background:
         Krystal Investment Management was established in 1989 as a Registered Investment Advisor ( SEC registration ). Jesse Brown as president, has set up Deferred Compensation Plans (IRS 457,403b,401k) for a number of governmental agencies. In his role, as President/CEO of the firm and Managing Director for it's mid-west division, Mr. Brown oversees the day-to-day operations of the firm.. 

          Before joining the financial service industry, Mr. Brown was appointed to the United States Congressional Staff working both in the Senate and House of Representatives. In the United States Senate, Mr. Brown was on the staff of U.S. Senator Lloyd Bentsen, then the ranking member of the Senate Finance Committee and later Secretary of the Treasury (Clinton Administration). Brown later held several federally appointed positions, finally serving as Deputy to the Assistant Secretary of the Treasury (Carter Administration).

        Brown's current responsibility is to provide the highest quality service to the individual investor and corporate accounts through tax advantage and deferred compensation retirement plans.

Education and Awards:
        Author, "Investing in the Dream". Author, "Pay Yourself First - A Guide to Financial Success", Brown has a degree in business administration (MBA) from the Kellogg School of Management at Northwestern University -- Master of Management in Finance/Investments--[MM]. Kean University, Doctor of Business and Finance [HDBF] . He was named Alumni of the Year (BMA) , Kellogg School of Management , 1998. Earn "Investment Advisor of the Year" honors from Putnam Investments Mutual Fund, 1997-98, for top sales over 200,000 brokers. Brown is a member of the Board of Trustees of Huston - Tillotson College in Austin,Texas. Huston - Tillotson is the oldest and most prestigious African-American College in Texas . Brown first came to Chicago in 1970 as a John and Mary R. Markel Fellow at the University of Chicago, Masters Program in Communications Management. Completing that fellowship he went to Washington, D.C. and served as Special Assistant to the President for the Joint Center for Political Studies, developing leadership at the national and local level among elected officials.

Business/Community Affiliations:
        President, National Association of Securities Professionals- Chicago Chapter; Association of AA Stockbrokers; Licensed Life Insurance Broker; Series 7 General Securities Broker; Series 24 Registered Securities Principal; Life member of the NAACP; Life Member of the Alpha Phi Alpha Fraternity, Inc.; 32nd Free and Accepted Mason, Mt. Moriah Lodge No. 38 , Prince Hall Affiliation; National Officer, Sigma Pi Phi Fraternity, Beta Boule'; Member of Trustee Board National Transplant Society; Member of the Christ Universal Temple Church; Board Member of Associates for Renewal in Education. Member , Board YMCA Metropolitan, Chicago.

         Member of the Executive Board of the Northeast Illinois Council of the Boy Scouts of America, Eagle Scout (1965), Member, National Eagle Scout Association, Vice Chairman, National Board, Boy Scouts of America, Urban Emphasis Committee; Lt. Col., U.S. Army Reserve Retired; Army Commendation Medal, Department of Defense Meritorious Service Medal; Member of the Alumni Association of Kellogg School of Management, Northwestern University.

          Urban league; BEEP Program; Sigma Delta Chi; Notary Public; Jack and Jill Inc.; Connecting LINK, LINKS, Inc. , Member, Tuskee Airmen Incorporated; Board of Directors , Chicago Black Expo.

Authors Comments:
          The reason I am involved with this important effort of saving and investment education is because I want to assist African Americans and all Americans who are underinvested to seek the American Dream of Prosperity and a high standard of living through the use of high quality investment vehicles. My vision is to bring the underinvested into the mainstream of American economic life. The ultimate satisfaction is a worry free retirement. This may be the greatest "myth" of all.

          When polled about their greatest retirement concerns, a full 80% of respondents cited, "running out of money."

          I have set up a foundation and philanthropic effort to discuss the plight of the under invested (including and focus on minorities) Americans.

         I want to share with you this book because I feel you will agree with me the idea and dream of economic freedom. That dream is to begin an effort to focus our people on saving and investing in the stock market. Now, I believe that we can deliver that message to everyone. This is the principle that I use each and everyday. I feel too many people do not have enough information to prepare for their future given the current economic realities of social security and other government entitlement programs. My next effort is to carry this idea even further. I feel that through a curriculum based educational effort we can raise the level of economic understanding in this country.

         The Stock Market is doing well. I like to think it is because of the general state of the American economy. Now, I want to give you some investment advice.

• Investing in Common Stock involves risk.
  
• Your money is safer in CDs and money market accounts.

         I have just given you two reasons not to invest in the stock market. But as a responsible financial advisor, I am required to give you a balanced presentation of investment ideas by including both the risks mentioned above, and rewards such as these:

• Over the long-term, most investors have been rewarded by selected stocks. In 10 years, ending 3/31/98, $10,000 investment in the Dow Jones Industrial Average would have grown 28.42 % to $41,961.
  
• While every portfolio should contain such guaranteed or insured investments as CDs or money market accounts, such safety also has its costs. Over the past 10 years, investors have been "CD-shocked" as they watched 6-month rates drop from 16.20% to 2.79 %, ending 4/1/98.

     With interest rates apparently heading lower, where can investors like you go to make up forlost dollars? The Stock Market. These are some of the things I discuss in my book not to mention the impact of the NEW IRA's (Roth, Education) and other items of interest.

If you have questions or comments feel free to email me at:
krystal@enteract.com

I am more than willing to be a speaker at events or a guest on radio and TV talk shows.

Fee Based Services:

      Krystal Investment Management is an investment consulting firm/managed money service that uses a fee-based approach to provide the benefits of institutional asset management to retail clients . We are financial advisors and since 1989, are SEC registered investment advisors. 

Why use a fee-based program:

       As an independent third party investment advisor we provide the "peace of mind" to provide a game plan, including an investment and asset-allocation strategy, performance-measurement that every client needs. In a client relationship there is the setting of investment objectives, investment manager selection, confirmation of transactions, monthly transactions statements, asset custody, quarterly-monitoring, and performance-reports. Often these items have variable costs and are often priced separately. A fee structure keeps all these prices reasonable and at a competitive price. As a professional financial advisor my fees are flexible to meet the clients needs. My hourly rate is $350 for consultation. My daily rate is $5,000 a day / $2500 ½ day. Plus expenses for out of town travel.

        My speaking fee for a 45 min Presentation is $10,000. All day seminar negotiable . For clients and prospects there is no charge for initial consultation. At the end of the initial consultation if the client decides  to select me as their financial advisor a fee arrangement will be agreed upon.

There are three methods for paying my fees:

1) If we agree that we will select a strategy of a portfolio of  front end mutual funds and insurance products then my fee will be part of the commission structure of the mutual fund family we select and will require no payment on the part of the client at all . The  fund will pay me a commission. Those fees will be outlined in the prospectus. 

2) If we agree that we will select a strategy of individual stocks and bonds or no load mutual funds, limited partnerships and other specialty investment vehicles, then the fee will be $500 to set up the account and establish the necessary SEC/NASD paperwork and then the per trade transaction fee of $29.95 plus any exchange commission or fees that may be applicable that are normally no more than $30 per trade.  After the inital $500.00 the charge will be hourly .

3) For accounts over $100,000, I will accept a wrap fee structure that would be billed quarterly at an annualized rate of 1% of the total value of the account . This would include all transaction fees , all documentation fees and consultation fees. It would involved a personal in office quarterly review of the portfolio . This service involves the initial consultation with the client and a written financial goal strategy.

      It also aprovides for unlimited phone consultation.

IN ADDITION :

      There is an opprotunity to get a mini financial plan developed personally by me for you.  Go to my home page and click on " Want a Financial Plan ?"  This will allow you to select a mini financial plan and have a report sent directly to you for you to review prior to setting up a consultation.  This is a wise way to get your thoughts together before making an appointment. 

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The firm provides FREE  newsletter , my book " Pay Yourself
First " at $29.95, and my audio tape " Pay Yourself First" : is $10.00. The
book "Investing in the Dream" is $22.95.  Both of these books may be
purchased Here .
You may
obtain an autograph copy by calling 1-800-955-0418 
or


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