no loads. [All have] long-term managers in place and relatively low minimum initial investments. In the international sector, Harbor International always does a great job. If you [look at] the research, that will make it easy for you to see why I picked them.”
*As Of Jan. 20, 2006
Source: Yahoo! Finance, David Hinson
 DALE BRYANT The Bryant Group
| Fund (Ticker) | Price at Recommendation* | 5-Yr. Average Return |
| iShare MSCI E.M.I.F. (EEM) | $96.86 | NA** |
| iShare S&P Small Cap 600 Value Index (IJS) | 68.50 | 11.84% |
| iShare Cohen & Steers Realty Majors (ICF) | 78.31 | 21.56 |
“I would do a 90%—10% equity/fixed income split. For the 90% equity allocation, I would split it up as follows: 40% in large-cap growth because of where we are and the potential interest rate cycle, 20% in international small-cap, 20% in emerging markets, and 10% real estate investment trusts [through exchange-traded funds, or ETFs].” (ETFs are share-based investment vehicles that seek to imitate stock or bond indices.)
*As Of Jan. 20, 2006
**Fund Is Less Than 5 Years Old
Source: Yahoo! Finance; Morningstar.Com, Dale Bryant
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UPDATE OF LAST YEAR’S PICKS
LARRY JONES NCM Capital Management
| Stock (Exchange: Ticker) | Recent Price* | Price at Recommendation** | Total Return | Current Value of $1,000 Investment |
| Franklin Resources Inc. (NYSE: BEN) | $95.20 | $64.99 | 46.48% | $1,464.84 |
| Schering-Plough Corp. (NYSE: SGP) | 18.56 | 19.93 | -6.87 | $931.26 |
| Walt Disney Co. (NYSE: DIS) | 26.90 | 28.15 | -4.44 | $955.60 |
| Portfolio Performance: 11.72% | Â | Â | Â | Â |
| Current Value of a $3,000 Investment: $3,351.70 | ||||
THEODORE PARRISH G.W. Henssler & Associates Ltd.
| Stock (Exchange: Ticker) | Recent Price* | Price at Recommendation** | Total Return | Current Value of $1,000 Investment |
| Pfizer Inc. (NYSE: PFE) | $25.99 | $24.30 | 6.95% | $1,069.55 |
| Affiliated Computer Services (NYSE: ACS) | 62.35 | 52.05 | 19.79 | 1,197.89 |
| Walt Disney (NYSE: DIS) | 26.90 | 28.15 | -4.44 | 955.60 |
| Portfolio Performance: 7.43% | Â | Â | Â | Â |
| Current Value of a $3,000 Investment: $3,223.03 | ||||
BRIAN JEFFRIES Ambassador Capital Management
| Fund (Ticker) | Recent Price* | Price at Recommendation** | Total Return | Current Value of $1,000 Investment |
| Munder Intermediate Bond A (MUMAX) | $9.20 | $9.53 | -3.46% | $965.37 |
| Munder Tax-Free Short Inter. Bond A (MUTAX) | 10.12 | 10.40 | -2 .69 |
973.08 |
| Dreyfuss Intermediate Municipal Bond (DITEX) | 13.31 | 13.56 | -1.84 | 981.56 |
| Portfolio Performance: -2.67% | Â | Â | Â | Â |
| Current Value of a $3,000 Investment: $2,920.01 | ||||
MICHAEL RAY Legg Mason Funds Management
| Stock (Exchange: Ticker) | Recent Price* | Price at Recommendation** | Total Return | Current Value of $1,000 Investment |
| Citigroup (NYSE: C) | $45.37 | $47.51 | -4.5 | $954.96 |
| General Electric (NYSE: GE) | 32.46 | 35.13 | -7.6 | 924.00 |
| Nextel Comm. (Nasdaq: NXTL) *** | 30.03 | 28.59 | 5.04 | 1,050.37 |
| Portfolio Performance: -2.36% | Â | Â | Â | Â |
| Current Value of a $3,000 Investment: $2,929.33 | ||||
*AS OF JAN 20, 2006
**AS OF JAN 21, 2005
***SPRINT MERGED WITH NEXTEL ON AUG. 15, 2005
SOURCE: YAHOO! FINANCE