INVESTMENT MANAGEMENT

Our team of investment managers, all holding degrees in economics, engage in market research and leverage their extensive experience to craft our core model portfolios. These models are tailored to address distinct facets of your investment requirements, prioritizing capital preservation, wealth expansion, or the pursuit of high-reward opportunities. Our approach to active management is truly hands-on, aiming to ensure that your investments receive the attention they deserve. We also offer impact models—whether it is environmentally conscious or faith-based—for clients that prefer investments aligned with their values and beliefs.

INVESTMENT STRATEGY

Our clients primarily have advisory accounts, where fees are assessed based on the value of the account(s) under our management. This account type allows our advisors to make portfolio changes based on the client’s risk tolerance and current market conditions. There are also no additional commissions or 12b-1 fees.

Our investment strategy largely employs mutual funds and ETFs, tailored to suit the account’s investment objective. We do not typically trade in stocks or invest in cryptocurrencies. We are not against these options however, they do not form our toolkit for managing client portfolios.

PROTECT

Income with Capital Preservation

Designed for investors who prioritize stability above all else, Protect is one of our most conservative portfolios. Emphasis is placed on preserving capital, limiting volatility, and providing liquidity, even if that means lower long-term returns. Protect is best suited for investors who rely on their portfolio for near-term spending needs and cannot risk market fluctuations.

Risk Level (1): Low, aligns with the Income with Capital Preservation investment objective.

DEFEND

Income with Moderate Growth

The Defend portfolio is constructed for investors who place a strong emphasis on preserving principal but are willing to accept short-term market fluctuations in exchange for modest growth over time. The focus is on capital preservation and income stability, with selective exposure to growth-oriented assets to help offset inflation. Defend is appropriate for clients with a short to intermediate time horizon who want stability first but recognize that some risk is necessary to maintain purchasing power.

Risk Level (2): Low-Medium, aligns with the Income with Moderate Growth investment objective.

NAVIGATE

Growth with Income

Created for investors seeking a balanced approach between capital appreciation and stability, the Navigate portfolio offers a thoughtful blend of growth and income. This strategy blends growth-oriented assets with income-generating investments to create a portfolio that can adapt across market cycles. Rather than prioritizing maximum growth or strict capital preservation, Navigate focuses on managing risk through diversification while pursuing steady long-term capital appreciation.

Risk Level (3): Medium, aligns with the Growth with Income investment objective.

EXPLORE

Growth

Striving to maximize capital appreciation by investing in assets with high growth potential, the Explore portfolio looks to maximize growth with little focus on generating current income. This strategy accepts higher volatility and short-term market fluctuations, often through exposure to growth-oriented companies and emerging or innovative sectors. Explore is best suited for investors with a long-time horizon and higher risk tolerance, who are comfortable prioritizing capital gains over stability.

Risk Level (4): Medium-High, aligns with the Growth investment objective.

DISCOVER

Aggressive Growth

The Discover portfolio ventures into economic and global markets in search of optimal opportunities. This fund has a high-risk, high-reward approach, emphasizing investments with substantial growth potential. While it entails higher volatility than other portfolios offered, it seeks maximum returns. Types of holdings found within the portfolio may include traditionally volatile assets like small-cap stocks, emerging market equities, and high-risk sectors. Our most aggressive portfolio, Discover is typically best suited for investors willing to accept the increased risk of market fluctuations for the potential of increased reward.

Risk Level (5): High, aligns with the Aggressive Growth investment objective.

IMPACT

Positive Social Focused Investing

For investors looking to align their investing with their values, we offer the Impact portfolio. Our Impact portfolio is centered on generating positive social and/or environmental effects alongside financial returns. Investments may focus on areas such as renewable energy, sustainable agriculture, or social enterprises. The Impact portfolio is typically best suited for investors seeking to prioritize both financial gains and contributing to positive change, aligning their investing with their values and ethical considerations.

Risk Level (4): Medium - High, aligns with the Growth investment objective.

Socially Responsible Investing (SRI) / Environmental Social Governance (ESG) / Biblically Responsible Investing (BRI) investing / Faith Driven Investing (FDI) has certain risks based on the fact that the criteria excludes securities of certain issuers for non-financial reasons and, therefore, investors may forgo some market opportunities and the universe of investments available will be smaller

PRESERVE

Enhanced Cash

The Preserve portfolio is designed for investors who want to earn more on their cash than a traditional savings or checking account—without taking on meaningful risk or locking up their money in a bank CD. It invests in high-quality, short-term bonds, with a focus on preserving principal while providing easy access to funds when needed. The strategy is actively managed, using interest rate and economic insights to help enhance returns while keeping risk low. Preserve is best suited for investors with short-term cash needs, large cash balances, or those seeking a conservative place to park money without full market exposure.

Risk Level (1): Low, aligns with Capital Preservation

In order to properly align your account with the appropriate portfolio we take into consideration many factors including the length of time you plan to hold the investment, your personal tolerance for market ups and downs, your liquidity needs, any income requirements, tax considerations and investment knowledge.

Interested in learning more about your personal risk tolerance? Take this short quiz.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.

This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual.

Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes.

Any economic forecasts set forth may not develop as predicted and are subject to change.