It all starts with a sound investment plan. By first identifying your goals and objectives, you can then develop an effective long-term investment strategy. We begin this investment process by determining your income needs, time horizon, risk tolerance and tax considerations. You and your investment advisor representative will complete a confidential client questionnaire to establish your personal investment parameters.

Step 2: Asset Allocation and Model Selection

Having analyzed your profile, you and your investment advisor representative will determine which model allocation is best suited to your needs. Models ranging from conservative to aggressive are available. Your model allocation selection outlines a disciplined investment strategy, tailored to meet your investment needs.

Asset allocation is a disciplined, long-term financial strategy for investing into various asset classes (stocks, bonds and cash) based on your investment goals, time horizon and risk tolerance. Asset allocation can help you:

• Optimize your return in relation to risk
• Limit your exposure to unnecessary risk
• Meet your financial goals over time

Studies examining investment portfolios over time found that the asset mix — the combination of money market, income and growth investments — accounts for more than 90% of a portfolio’s return over the long term.* In other words, the allocation of investments to each asset class is far more important than the selection or timing of individual investments.

^{As you move from left to right on this chart, there are investments that offer higher potential returns. However, as with any type of investment,
attempting to increase potential returns and reduce risk may unintentionally reduce returns and increase risk at certain times.}

Managed Diversification is about striking a balance among various investments in your portfolio to reduce your exposure to risk and at the same time take advantage of the full range of opportunities in the market. The chart above illustrates the risk and return characteristics of various asset classes. By combining asset classes into a diversified portfolio, you can move closer to the returns that will allow you to reach your goals while maintaining a risk level with which you feel comfortable. History shows that various asset classes do not always move in the same direction at the same time. In one year, stocks may provide the highest return, the next year, bonds or money market funds may outperform.

True diversification occurs when a portfolio is composed of assets with dissimilar behavior, so that the upward movement of one asset may offset the downward movement of another. By spreading your investment risk across asset classes you can achieve a more consistent return without the wide fluctuations in value you might experience from a non-diversified portfolio.

^{*Brinson, Hood & Beebower, Financial Analysts Journal, 1986. Brinson, Hood & Beebower, Financial Analysts Journal, 1991.}

Step 3: Managing Your Investment Model

Iron Point Capital Management’s investment strategists manage and monitor investment models for your portfolio utilizing the fundamentals of strategic asset allocation with a tactical overlay. Our investment strategist’s job is to lay the foundation for moving forward with your investment strategy. under the guidelines of your asset allocation selection, our investment strategists strive to maintain an optimal balance between reward and risk by building a globally diversified portfolio.

^{For illustration purposes only. This is not an actual allocation model of any particular investment plan or strategy.}

Step 4: Systematic Monitoring and Rebalancing

Market forces continually impact the underlying value of assets in your portfolio. Iron Point’s managed asset portfolios are systematically monitored and all portfolios are rebalanced on a periodic basis. Investment models may be reallocated as market conditions change to manage the risk exposure of your portfolio to ensure it reflects your asset allocation policy.

Step 5: Customized Financial Profile

Communication is very important for you to stay informed and confident about your investment. Iron Point Capital Management understands the need for clear, regular communications. You’ll receive:

• Monthly or quarterly account statements from your custodian.
• Quarterly customized performance reports and commentaries.
• Year end tax reports (if applicable).
• Portfolio reviews with your investment advisor representative.

<sup>Products and services described on this website are intended for United States residents only. Information on this site should not be considered a solicitation to buy or an offer to sell a security to any person.

Iron Point Capital Management (Iron Point) is the marketing name for investment management services provided by Brecek &Young Advisors, Inc., an SEC Registered Investment Advisory Firm. Brecek & Young Advisors, Inc. is an affiliated entity of Securities America Financial Corporation (SAFC).</sup>