Articles Published in Rough Notes What is Your Agency Worth? February 2006 Dealing with Market Risk December 2005 Avoiding Negotiation Disasters November 2005 Acquisition Growth Strategy October 2005 Managing Acquisition Discussions August 2005 Agency Mergers—Increasing Probabilities for Success July 2005 M & A Documents May 2005 Structuring Joint Ventures March 2005 Selling the Agency December 2004 Agency Purchase & Sale Agreements November 2004 Agency Ownership Considerations—Stretching The Envelope October 2004 Deals: Price vs. Structure September 2004 Obstacles that can Block an Agency Sale July 2004 Agency Growth - Reacting to Opportunity June 2004 Agency Financial Planning and Decision Making April 2004 Selling the Agency March 2004 Agency Acquisitions From the Buyer's Perspective February 2004 Competing for Agency Acquisitions December 2003 Balancing Agency Profitability and Producer Productivity November 2003 The Art of the Agency Deal October 2003 Agency Perpetuation Plans—Written in Stone? August 2003 Agency Consulting Services July 2003 M&As – Thinking Outside the Box May 2003 Rational Agency Planning in a Hard Market March 2003 Agency Transactions - Anatomy of a Merger February 2003 What’s It Worth To You? December 2002 Agency Mergers & Acquisitons October 2002 Resolving Owner Conflicts September 2002 Agency Financial Health - Balance Sheet Considerations July 2002 Agency Transactions June 2002 Agency Management Systems May 2002 Agency Management Systems Implementation April 2002 Mergers & Acquisitions March 2002 The Impact of Producer Agreements on Agency Value February 2002 Agency Consultant Roles Expand January 2002 Agency Business Plans November 2001 Agency Profitability: The Importance of Expectations September 2001 Agency Value: Steering Clear of Potential Negative Impacts August 2001 Agency Financial Turnarounds: the Good, the Bad & the Ugly July 2001 Utilizing a Financial Intermediary in Merger/Acquisitions Transactions June 2001 Agency Integration: Operational Transition Following a Sale or Merger May 2001 Mergers & Acquisitions: Consolidation Prospects Enhanced by Resolution of Tax Issues April 2001 Due Diligence a Critical Element in Mergers & Acquisition March 2001 Mergers & Acquisitions The Implications of High Visibility Transactions January 2001 Agency Appraisals - Components of Value December 2000 True Risk Vs. Ownership Complexity November 2000 To Sell or Merge? That is the Question October 2000 Dealing with Balance Sheet Issues in a Merger or Acquisition September 2000 Clusters that Have Worked, Exceptions to the Rule August 2000 Closing the Deal is Just the Beginning July 2000 Are you a Buyer or a Seller? June 2000 Exploring Your Agency's Strategic Options May 2000 Positioning Your Agency for the Internet April 2000 Making Your Agency Attractive to a Consolidator March 2000 Sustainable Revenue Growth February 2000 Dealing with Passive Shareholders January 2000 Cross-Selling and Account Rounding: An Economic Approach December 1999 The Agency Deal: First and Lasting Impressions November 1999 The Strategic Assessment October 1999 Agency Equity, Leveraging Your Intangible Assets September 1999 Getting the Deal Done With The Right Partner August 1999 Intellectual Capital July 1999 Corporate Development Selling Up, Not Out June 1999 Agency Advisory Boards May 1999 Matching Up Agency Buyers and Sellers April 1999 Agency Value Perception Versus Reality March 1999 Equity Based Compensaton Programs February 1999 Profit Centers: Value Beyond Accounting January 1999

Harbor Capital Advisors, Inc.
82 Main Street, Huntington, NY 11743
Tel: (631) 427-2732 • Fax: (631) 421-2539
(800) 858-2732
info@harborcapitaladvisors.com

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