Last October Federal Reserve Chairwoman Janet Yellen delivered a speech decrying income inequality. While we will not weigh in on this contentious issue, it seems to us that the Fed has done little to boost the fortunes of investors who rely on a fixed income to make ends meet. While the Fed has always struggled

Investors endured a bumpy ride throughout 2014, a year marked by a rallying dollar, slowing economies in Europe and Asia, rising geopolitical tensions, a tumbling oil price and falling interest rates. Despite an abundance of worrisome headlines our hypothetical AIS Moderate Portfolio provided a positive return of 5.41 percent (see page 2 for more detail).