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  Through LPL Financial, we offer three asset allocation investment strategies* : Target 80 Flex, Target 60 Flex and Target 40 Flex. With each strategy, we strive to protect capital while seeking to achieve above average long-term returns for our clients. Investments in each Target Flex strategy are broadly diversified across multiple asset classes that typically will include equities, bonds, real estate, money market instruments and in some cases certain alternative investments including real return and hedged equity strategies. Our goal is to ensure that our Target Flex investment strategies are consistently aligned with our clients’ investment goals and objectives.  While capital appreciation is certainly a long-term goal of our strategies, the protection of capital is the primary driver of our Target Flex 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.  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.  We believe our Target Flex strategies are suitable for all types of investors. Each Target Flex 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 Target 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 Target 60 or Target 40 strategy may prove to be more suitable.  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 Target Flex strategy is assigned a desired “target” allocation to equities fixed income and cash, along with the flexibility to change the allocation within a defined range. To illustrate, within the Target 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 and the client’s situation. 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. *Target 80 Flex - Growth
*Target 60 Flex - Moderate Growth
*Target 40 Flex - Conservative Growth
*Offered through LPL Financial. All information provided is intended for informational purposes only and is in no way intended to induce an offer to buy or sell securities. The allocations for each strategy are subject to change without notice and should not be relied upon for making investment decisions. Investors should seek financial advice regarding the suitability of any investment strategy based on the investor’s objectives, financial situation and particular needs. Investing in securities involves market risk and the potential for loss of principal. |
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1640 Powers Ferry Road • Governor's Ridge • Building
11 • Suite 300 • Marietta, GA • 30067
ecorsey@moorecolson.com | 770.989.0028
ecorsey@moorecolson.com | 770.989.0028