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PORTFOLIO OPTIONS

Flexible Growth Portfolio

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Account Minimum:  $20,000

Strategy:  Capital Appreciation

Risk:  Aggressive

Fee:   2.00% Annually

Fee Information:  Fees charged for investment management services are charged quarterly in arrears and are based on average daily balance of the account.  All clients are required to authorize direct deduction and fees are deducted directly from client accounts on a quarterly basis.

Description:  The primary goal of this portfolio is to achieve aggressive portfolio growth in bullish markets and shift to capital protection when entering a bearish market. This portfolio is a go anywhere portfolio which means we will invest into any type of stock, exchange traded fund or American Depository Receipt to maximize returns of the portfolio.  The primary stock picking strategy used is the growth at a reasonable price strategy.  This means we are primarily looking for stocks with mid to long term growth trends trading at a discount to what we determine to be intrinsic value.  We also may incorporate other strategies if we feel it is beneficial to the overall growth of the portfolio. 

Flexible Income Portfolio

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Description:  The primary goal of this portfolio is to provide a stable equity dividend income.  We achieve this by investing in various companies offering sustainable dividends backed by free cash flows generated by the operations of the business.  The strategy used in this portfolio tends to be more value oriented.  We search for companies with stable to growing revenue which are also generating positive free cash flows.  It is also important the company is well run with well managed debt levels.  We will maintain a portfolio of various stocks, preferred stock, Exchange Traded Funds and American Depository Receipts.  Holdings are primarily bought with a long term focus though we will engage in short term trading within the long term price ranges in order to enhance the overall capital appreciation of the portfolio. 

Account Minimum:  $20,000

Strategy:   Income

Risk:  Moderate
Fee:  1.50% Annually

Fee Information:  Fees charged for investment management services are charged quarterly in arrears and are based on average daily balance of the account. All clients are required to authorize direct deduction and fees are deducted directly from client accounts on a quarterly basis.

Custom ETF

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Description:  The goal of a Custom ETF portfolio is to design a custom selection of ETF allocations to fit an individuals needs and desires.  The portfolio will be designed based on conversations conducted with the client to determine the goals and desires of the individual.  A portfolio will be designed using available ETF listings to get a portfolio representing the goals of the client.  This portfolio offers no individual stock selection instead invests entirely through ETF's.  This method allows for instant diversification among the selected allocations.  This portfolio is also not dependent upon the individual company selection abilities of the portfolio manager.  

Account Minimum:  $10,000

Strategy:   Passive Investing

Risk:  Varied

Fee:  1.50% Annually

Fee Information:  Fees charged for investment management services are charged quarterly in arrears and are based on average daily balance of the account. All clients are required to authorize direct deduction and fees are deducted directly from client accounts on a quarterly basis.

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