Front Cover   Corporate Profile   Letter to Stockholders   + Find exciting, innovative ideas for our institutional clients.   + Focus on growth sectors.   + Combine profitable recurring revenue streams with businesses that have strong potential for higher levels of profitability.   + Be Flexible.   + Create a distinctive, lasting culture.   FORM 10-K   TABLE OF CONTENTS   PART I   + ITEM 1. BUSINESS     + General     + Customer Base     + Capital Markets     + Accounting, Administration and Operations     + Compliance, Legal, Risk Management and Internal Audit     + Competition     + Risk Management     + Regulation     + Employees   + ITEM 2. PROPERTIES   + ITEM 3. LEGAL PROCEEDINGS   + ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS   PART II   + ITEM 5. MARKET FOR REGISTRANT'S COMMON STOCK AND RELATED STOCKHOLDER MATTERS     + RECENT SALE OF UNREGISTERED SECURITIES     + Equity Compensation Plan Information   + ITEM 6. SELECTED CONSOLIDATED FINANCIAL DATA   + ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS     + Overview     + Business Environment     + Critical Accounting Policies and Estimates     + Results of Operations     + Fiscal Years Ended December 31, 2002, 2001 and 2000     + Liquidity and Capital Resources     + Newly Issued Accounting Standards     + Quarterly Financial Data     + Risk Factors   + ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK   + ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA   + REPORT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS   + REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS   + CONSOLIDATED STATEMENTS OF OPERATIONS   + CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION   + CONSOLIDATED STATEMENTS OF STOCKHOLDERS' DEFICIT   + CONSOLIDATED STATEMENTS OF CASH FLOWS   + NOTES TO CONSOLIDATED FINANCIAL STATEMENTS     + 1. Description of Business     + 2. Summary of Significant Accounting Policies     + 3. Securities Owned     + 4. Equipment and Fixtures     + 5. Convertible Notes Payable     + 6. Stockholders' Equity (Deficit)     + 7. Stock-Based Compensation     + 8. Employee Benefit Plans     + 9. Income Taxes     + 10. Net Loss per Share     + 11. Commitments and Contingencies     + 12. Financial Instruments with Off-Balance-Sheet Risk and Credit Risk     + 13. RMG Partners Corporation     + 14. Xpit Corporation     + 15. Regulatory Requirements     + 16. Related Party Transactions   + ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE   PART III   + ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT   + ITEM 11. EXECUTIVE COMPENSATION   + ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT   + ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS   + ITEM 14. CONTROLS AND PROCEDURES   PART IV   + ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K   SIGNATURES   CERTIFICATIONS   CERTIFICATIONS   EXHIBIT INDEX   Corporate Information   Back Cover