Rick Holbrook doesn't fear the bear. Nor does he worry about the bull. No matter what happens, he's confident. With a quarter-century of experience on his side, Rick has seen his share of market ups and downs. It's a big world, he notes: There are always investment opportunities somewhere. Rick's focus is to find the safest opportunities for growth and preservation based on his clients' unique needs and goals. Born in Japan, Rick has always had an international perspective on life and business. As an investment advisor, he uses a global approach to find a wide range of investment opportunities - in the United States and abroad. "This work brings me great satisfaction," says Rick. "First,