October/November 2010 Departments 6 New on MorningstarAdvisor.com Contributors Letter From the Editor On Topic 20 18 Behavior Gap Investments á la Carte 50 Screens 66 8 9 Taking It Personal Advisor Profile Four Picks for the Present In Practice In Search of … Recession Survivors Turmoil-Tested Small-Cap Funds By the Numbers A Model Practice Amid the downturn, Nick Giacoumakis has established a viable and growing business by sticking with key disciplines. Gray Matters 52 68 10 What estate-planning strategies are you and your clients doing before the end of the year? 10 Questions Tactical Strategies Miss Their Mark Talking Points 70 58 22 Find the Right Fit Tailoring a portfolio to a client’s risk/reward profile is a matter of capturing how funds perform in up and down markets. Time to Hop on the Commodities Bandwagon? Sector Rap Mutual Fund Analyst Picks 50 Most Popular ETFs Undervalued Stocks With Wide Moats VA Sales Rise in Second Quarter Phillips Curve 74 76 12 Next Steps for ETFs 14 Investment Briefs 26 61 Will REITs Put You in the Penthouse? Probably not at these prices. Retailers Balance Caution and Catalysts A lot of progress has been made since the recession’s retreat, but retailers haven’t escaped yet. 78 80 The Third Rail 4