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W.

Steve Schoen is president of Allied Consulting Group, an independent
financial consulting firm that advises HNW families and institutional
investors. Schoen is also vice president and co-founder of the SCFCS, a
non-profit association that focuses on advanced education for financial
professionals.

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Baca was instrumental in the success of HAR's Commercial Gateway web site.

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commgate. The creation of the industrial database and the
Commercial Gateway web site is indicative of HAR's commitment to the
commercial real estate community," Baca said.
The Houston Association of REALTORS(R) is the second largest local
association/board of REALTORS(R) in the nation.

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Marriott Hotel.

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Founded in 1918, the HAR is a
20,000-member organization of real estate professionals engaged in every
aspect of the industry, including residential and commercial sales and
leasing, appraisal , property management and counseling.

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The database is compiled by researchers in
HAR's Commercial Gateway division (http://www. LOS ANGELES, Steve Schoen will speak to a group of
financial professionals at the Southern California Financial Consultants
Society (SCFCS) meeting on Wednesday, Feb.

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HAR's Innovation - Making Inroads in Industrial Realty; Commercial Membership Up 41 Percent in 2004

"The Houston Association of REALTORS(R) has been actively reaching out to
the commercial real estate brokerage community and a great partnership has
been forged," said HAR Chairman-elect Fred Baca, who is president of the
Houston office of the Colliers International commercial firm.
Over 1,200 Houston-area brokers with more than 450 realty firms now use HAR's
Commercial Gateway information services.

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The annual trade show is the city's
premier commercial real estate networking event, featuring exhibits from the
city's leading developers and other companies serving the industry. The presentation , called
"Facing Reality", will focus on how investors can protect their portfolios in
uncertain times.

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com ) and it is updated every
90 days. HAR's Commercial Gateway web site has some 12,000 commercial properties
listed for sale or for lease. Mr.

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HOUSTON, The Houston Association of REALTORS(R )
has compiled a vast database tracking the industrial real estate market in the
Greater Houston area. The survey provides many details about each industrial building,
such as the date it was built , how much space is available and how to contact
the leasing agent.

Steve Schoen to Speak on Portfolio Risk Management in Uncertain Times

16.

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More than 6,400 industrial properties ranging from small warehouses to
large manufacturing buildings with powerful overhead cranes are in the
association 's detailed catalog. The HAR recently partnered with the Houston Business
Journal to publish the Industrial Leasing Guide.
In addition, HAR's Commercial Gateway group and the Society of Office and
Industrial Realtors(R), are partnering to present the annual Commercial Expo
on April 19th at the J.

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The audience will include financial
advisors, money managers, CPAs, attorneys , family office executives, and
members of the financial press.

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The topics will include: separating fact from fiction in
outdated and misunderstood investment methods; and how to uncover hidden risks
in seemingly low-risk investments.

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"We've been pleased that the commercial brokerage community has been
receptive to HAR's efforts.

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Membership in the Commercial Gateway increased a whopping 41 percent in
2004.