Below is the Table of Contents for the Dynamic Investment User’s Manual. Note that Sections 12 shows individuals how to find and work with an investment advisor whether they offer Dynamic Investments or not. Section 13 shows individuals how to implement Dynamic Investments on their own using and online broker. And Addendum 1 and 2 are also targeted for use by individual investors. These topics are not found in the NAOI Research Report entitled “Introducing Dynamic Investment Theory”.