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Diversification

Our core investment program consists of three broadly diversified asset allocation strategies: *80Flex, 60Flex and 40Flex. With each strategy we seek to produce returns over a complete market cycle (typically 3-5 years) that exceeds each strategy’s assigned benchmark but with less risk. The allocation in our Flex Strategies will typically include stock and bond mutual funds, including ETF's, money market instruments, individual stocks and bonds, as well as certain alternative asset funds.

Capital Protection

While capital appreciation is certainly a long-term goal of our strategies, the protection of capital is the primary focus of our Flex Investment Strategies. And while no strategy assures success or protects against loss, for one to attain consistent above-average returns over the long-term, avoiding large declines is absolutely imperative. We believe you best accomplish this by proactively reducing a portfolio’s exposure to undue market risk during conditions that have historically produced on average a low risk/return trade-off.

Cost Control

The long-term compounding of excessive costs can significantly impair investment returns. To mitigate the impact of expenses on investment performance our strategies will typically be allocated among a combination of passive (index funds) and active equity funds, bond funds, money market instruments and alternative asset funds. The costs associated with passive (index funds) are often significantly lower than actively managed funds and the combination of the two can serve to lower overall investment expenses that if left unchecked, can prove to be a significant drag on long-term investment returns.

Flexibility

Flexibility in each strategy’s asset allocation policy is of central importance in attempting to accomplish our objective of protecting capital and producing above average long-term returns. For example, each Flex strategy is assigned a desired “target” allocation of equities, along with the flexibility to change the allocation within a defined range. To illustrate, within the 80 Flex strategy the target equity allocation is 80% and the flexible allocation range is “50-100%”. This means that a desired target equity allocation of 80% can be increased to 100% or reduced to as low as 50% depending on our view of market conditions. This flexibility allows us to actively invest where we see potential value and attempt to avoid or reduce our exposure to those areas that appear vulnerable.

Suitability

We believe our Flex Investment Strategies are suitable for all types of investors. Each Flex Investment Strategy possesses a different level of market risk and return potential, allowing investors to choose the strategy that is most suitable given their return needs and comfort level for risk. For investors seeking long-term growth, the investment objective of our 80 Flex strategy is to outperform the broad market over a complete market cycle but with less risk. For more conservative investors, particularly those that have reached or are nearing retirement then either our 60 Flex or 40 Flex strategy may prove to be more suitable.

* 80 Flex - Growth

Asset Class	Target Allocation	Flex Allocation Ranges
Equities	80%	50% - 100%
Fixed Income	15%	00% - 50%
Alternative	0%	00% - 50%
Cash	5%	00% - 35%

* 60 Flex - Moderate Growth

Asset Class	Target Allocation	Flex Allocation Ranges
Equities	60%	25% - 75%
Fixed Income	35%	25% - 75%
Alternative	0%	00% - 50%
Cash	5%	00% - 35%

* 40 Flex - Conservative Growth

Asset Class	Target Allocation	Flex Allocation Ranges
Equities	40%	00% - 50%
Fixed Income	55%	40% - 100%
Alternative	0%	00% - 50%
Cash	5%	05% - 35%

*Offered through LPL Financial. Stock investing involves risk including loss of principal. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.