5 Secrets to Solid Investing  

1.  Trust:  
Find someone you can trust.  Look for conflicts of interest.  Ask

how they get paid.  When was the company started? Don't forget
about the Bernard Madoffs still out there, even in Maryland.  Are
they licensed?
 Do they do the work or farm it out?

Do you understand what you may invest in?
Not every product is right for you nor is every salesperson.  
Some products have so many strings you could fly a kite.

Prudent Investor Rule :
If it sounds too good to be true, get another unbiased opinion.  
Remember what P.T. Barnum said.  "You can fool some of the  
 people. . . "    

Investing has ups and downs:  
Do not invest in the market short term (less than 5 years) with
retirement money.  The long term average annual rate of return
for the DJIA  (Dow Jones Industrial Average) is about 9%.  That  
includes winning AND losing years.
 Normal market variations can
be in the 5% to 20% range.  In March of 2009 the DJIA fell to a low
of 6547 that was 54% less than it's high just 17 months before.

No risk investments:  
There are none. Period.
If someone says that: leave.  Ex. Everest
Wealth Management, Inc. is no more.