Models

Proprietary investment strategies that utilize individual securities and ETFs to meet their stated objective

Models

Proprietary investment strategies that utilize individual securities and ETFs to meet their stated objective

Common Investment Categories with Uncommon Results

Our investment models are analogous to investment vehicles such as mutual funds or ETFs that you may already be familiar with. Similar to these types of securities, each of our models is comprised of individual holdings that are selected and supervised by our portfolio managers. Each model has its own defined strategy as signified by its name: Large Cap invests only in the common stocks of companies with a large market value; Dividend Growth invests only in the common stocks of companies that pay a growing dividend; and so on.

Where our models set themselves apart from the mutual funds or ETFs that you may have used previously is in their ability to allocate funds as we see fit, not as dictated by our ownership (as is the case for some index funds). We are able to use cash as an asset class to reduce volatility, or leveraged ETFs to increase returns depending on what market conditions are dictating. These changes are infrequent, but aim to step aside when the market environment is dominated by uncertainty.

Equity Models

Investment Mandate:

80-120% exposure to domestic large cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 500. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 500. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic large cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 500. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 500. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic mid cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 400. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 400. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic mid cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 400. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 400. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic small cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 600. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 600. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic small cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 600. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 600. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

0-200% exposure to domestic large cap stock market index

Investment Objective:

This model is focused on providing aggressive capital appreciation using leveraged index ETFs. During favorable market conditions, we will aim to replicate returns equal to approximately twice those of the S&P 500. During uncertain market conditions, we will aim to protect capital by moving assets within the model to cash.

Investment Discipline:

  • At any given time, this model will hold either 100% cash, 100% 2x leveraged S&P 500 index ETF, or some combination of the two. How the holdings are positioned is dependent on the Alpha and Omega indicators, much like the Large, Mid, and Small Cap models.
    1. When both signals are bullish, the Hedge model is entirely allocated to the 2x leveraged ETF. This means that this model replicates 200% exposure to the S&P 500.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 50% cash and 50% 2x ETF. The cash portion acts like 0% exposure to the benchmark and the 2x ETF potion acts like 100% exposure for a total of 100%.
    3. When both signals are bearish, the model is entirely allocated to cash. This means 0% exposure to the benchmark. This state is meant to provide a cash buffer in the portfolio during short term market corrections.
  • Portfolio holdings are updated as often as dictated by Alpha and Omega.

Investment Mandate:

0-200% exposure to domestic large cap stock market index

Investment Objective:

This model is focused on providing aggressive capital appreciation using leveraged index ETFs. During favorable market conditions, we will aim to replicate returns equal to approximately twice those of the S&P 500. During uncertain market conditions, we will aim to protect capital by moving assets within the model to cash.

Investment Discipline:

  • At any given time, this model will hold either 100% cash, 100% 2x leveraged S&P 500 index ETF, or some combination of the two. How the holdings are positioned is dependent on the Alpha and Omega indicators, much like the Large, Mid, and Small Cap models.
    1. When both signals are bullish, the Hedge model is entirely allocated to the 2x leveraged ETF. This means that this model replicates 200% exposure to the S&P 500.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 50% cash and 50% 2x ETF. The cash portion acts like 0% exposure to the benchmark and the 2x ETF potion acts like 100% exposure for a total of 100%.
    3. When both signals are bearish, the model is entirely allocated to cash. This means 0% exposure to the benchmark. This state is meant to provide a cash buffer in the portfolio during short term market corrections.
  • Portfolio holdings are updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic large cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 500. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 500. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic large cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 500. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 500. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic mid cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 400. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 400. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic mid cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 400. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 400. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic small cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 600. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 600. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

80-120% exposure to domestic small cap stocks

Investment Objective:

This model is focused on providing capital appreciation for investors. Some securities may provide minimal dividend income, but it is not a factor in investment selection. Active management within the model aims to amplify gains during favorable market environments, and minimize losses during unfavorable market environments.

Investment Discipline:

  • At any given time, these models will hold 80% of their assets in 20-25 common stocks from the S&P 600. Stocks are selected with an attempt to replicate the industry weighting within the benchmark index as well.
  • The remaining 20% of the assets will fluctuate between cash and an ETF that is 2x leveraged to the S&P 600. How this portion is positioned is determined by the technical signals provided to us by Alpha and Omega indicators as detailed below.
    1. When both signals are bullish, the 20% is entirely allocated to the 2x leveraged ETF. This means that this 20% acts like 40% exposure to the benchmark, which when combined with the 80% in individual securities, gives us a total exposure to the benchmark of 120%.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 10% cash and 10% 2x ETF. The cash portion acts like 0% exposure to the benchmark, the 2x ETF potion acts like 20% exposure, and the 80% from individual securities generates a total exposure of 100%.
    3. When both signals are bearish, the 20% is entirely allocated to cash. Again, this acts like 0% exposure to the benchmark. The total benchmark exposure is 80%, with all that coming from individual securities. This state is meant to provide some downside protection during short-term market corrections.
  • For the individual securities, holdings are updated quarterly; the cash/ETF portion is updated as often as dictated by Alpha and Omega.

Investment Mandate:

0-200% exposure to domestic large cap stock market index

Investment Objective:

This model is focused on providing aggressive capital appreciation using leveraged index ETFs. During favorable market conditions, we will aim to replicate returns equal to approximately twice those of the S&P 500. During uncertain market conditions, we will aim to protect capital by moving assets within the model to cash.

Investment Discipline:

  • At any given time, this model will hold either 100% cash, 100% 2x leveraged S&P 500 index ETF, or some combination of the two. How the holdings are positioned is dependent on the Alpha and Omega indicators, much like the Large, Mid, and Small Cap models.
    1. When both signals are bullish, the Hedge model is entirely allocated to the 2x leveraged ETF. This means that this model replicates 200% exposure to the S&P 500.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 50% cash and 50% 2x ETF. The cash portion acts like 0% exposure to the benchmark and the 2x ETF potion acts like 100% exposure for a total of 100%.
    3. When both signals are bearish, the model is entirely allocated to cash. This means 0% exposure to the benchmark. This state is meant to provide a cash buffer in the portfolio during short term market corrections.
  • Portfolio holdings are updated as often as dictated by Alpha and Omega.

Investment Mandate:

0-200% exposure to domestic large cap stock market index

Investment Objective:

This model is focused on providing aggressive capital appreciation using leveraged index ETFs. During favorable market conditions, we will aim to replicate returns equal to approximately twice those of the S&P 500. During uncertain market conditions, we will aim to protect capital by moving assets within the model to cash.

Investment Discipline:

  • At any given time, this model will hold either 100% cash, 100% 2x leveraged S&P 500 index ETF, or some combination of the two. How the holdings are positioned is dependent on the Alpha and Omega indicators, much like the Large, Mid, and Small Cap models.
    1. When both signals are bullish, the Hedge model is entirely allocated to the 2x leveraged ETF. This means that this model replicates 200% exposure to the S&P 500.
    2. When we have mixed signals (one bullish, one bearish) this is split evenly between 50% cash and 50% 2x ETF. The cash portion acts like 0% exposure to the benchmark and the 2x ETF potion acts like 100% exposure for a total of 100%.
    3. When both signals are bearish, the model is entirely allocated to cash. This means 0% exposure to the benchmark. This state is meant to provide a cash buffer in the portfolio during short term market corrections.
  • Portfolio holdings are updated as often as dictated by Alpha and Omega.

Equity Income Models

Investment Mandate:

100% invested in dividend paying common stocks with no preference for geography or market cap

Investment Objective:

Focuses on providing a rising stream of dividend income from common stocks that have a history of annually raising their dividends. This is designed to help offset the damaging effects of inflation. Investors not dependent on the dividend income immediately can reinvest their dividends to further amplify the rising dividends these companies already provide. A secondary objective is to provide capital appreciation comparable to that of domestic equity markets.

Investment Discipline:

  • Dividend Growth remains 100% invested in a basket of 20 securities at all times. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • When selecting the securities for this model, we ensure that each one has a dividend yield of at least 2%, has increased its dividend for at least 5 consecutive years, and has raised its dividend by at least 4% annually for the past 1 and 3 years. Once those criteria are met, we gather the relevant data to compare the fundamental and technical aspects of each security and use them to score each one. The highest scoring securities are placed in the model with some consideration given to replicating the sector weightings of large cap indexes. The holdings in this model are reviewed continuously.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying common stocks with no preference for geography or market cap

Investment Objective:

Focuses on providing a rising stream of dividend income from common stocks that have a history of annually raising their dividends. This is designed to help offset the damaging effects of inflation. Investors not dependent on the dividend income immediately can reinvest their dividends to further amplify the rising dividends these companies already provide. A secondary objective is to provide capital appreciation comparable to that of domestic equity markets.

Investment Discipline:

  • Dividend Growth remains 100% invested in a basket of 20 securities at all times. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • When selecting the securities for this model, we ensure that each one has a dividend yield of at least 2%, has increased its dividend for at least 5 consecutive years, and has raised its dividend by at least 4% annually for the past 1 and 3 years. Once those criteria are met, we gather the relevant data to compare the fundamental and technical aspects of each security and use them to score each one. The highest scoring securities are placed in the model with some consideration given to replicating the sector weightings of large cap indexes. The holdings in this model are reviewed continuously.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying securities including high yield common stock, MLPs, REITs, BDCs, and preferred stock with no preference for geography or market cap

Investment Objective:

Focuses on providing a stream of dividend income that is higher than Dividend Growth and comes from a variety of sources. According to the risk/reward tradeoff inherent in investing, a higher dividend yield traditionally comes with a higher level of risk; risk of loss, risk of dividend cuts, risk of default. We attempt to offset that by incorporating several types of securities including preferred stocks which traditionally have less price volatility than that of common stocks. Rising dividends are a secondary concern in this model and not required for inclusion.

High Yield NQ varies from High Yield only in the fact that it will not hold MLPs. These securities issue K-1s for tax purposes which can create issues for clients when filing their annual income taxes. High Yield NQ is optimized for non-qualified accounts.

Investment Discipline:

  • High Yield remains 100% invested in a basket of 20 securities at all times. We aim for 14 common stocks, 3 MLPs, REITs, or BDCs, and 3 preferred stocks. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • When selecting the securities for this model, we ensure that each one has a dividend yield of at least 3.5% and has not cut its dividend within the last 5 years. Once those criteria are met, we gather the relevant data to compare the fundamental and technical aspects of each security and use them to score each one. The highest scoring securities are placed in the model with some consideration given to replicating the sector weightings of large cap indexes. The holdings in this model are reviewed continuously.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying securities including high yield common stock, MLPs, REITs, BDCs, and preferred stock with no preference for geography or market cap

Investment Objective:

Focuses on providing a stream of dividend income that is higher than Dividend Growth and comes from a variety of sources. According to the risk/reward tradeoff inherent in investing, a higher dividend yield traditionally comes with a higher level of risk; risk of loss, risk of dividend cuts, risk of default. We attempt to offset that by incorporating several types of securities including preferred stocks which traditionally have less price volatility than that of common stocks. Rising dividends are a secondary concern in this model and not required for inclusion.

High Yield NQ varies from High Yield only in the fact that it will not hold MLPs. These securities issue K-1s for tax purposes which can create issues for clients when filing their annual income taxes. High Yield NQ is optimized for non-qualified accounts.

Investment Discipline:

  • High Yield remains 100% invested in a basket of 20 securities at all times. We aim for 14 common stocks, 3 MLPs, REITs, or BDCs, and 3 preferred stocks. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • When selecting the securities for this model, we ensure that each one has a dividend yield of at least 3.5% and has not cut its dividend within the last 5 years. Once those criteria are met, we gather the relevant data to compare the fundamental and technical aspects of each security and use them to score each one. The highest scoring securities are placed in the model with some consideration given to replicating the sector weightings of large cap indexes. The holdings in this model are reviewed continuously.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying securities including MLPs, REITs, BDCs, preferred stocks, and ETFs with no preference for geography or market cap

Investment Objective:

Focuses on providing a stream of dividend income that is higher than both Dividend Growth and High Yield and comes from a variety of sources. Like High Yield, we attempt to offset the elevated yield by incorporating several types of securities including preferred stocks which traditionally have less price volatility than that of common stocks. Rising dividends are a secondary concern in this model and not required for inclusion.

 

Investment Discipline:

  • High Yield II remains 100% invested in a basket of 20 securities always. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying securities including MLPs, REITs, BDCs, preferred stocks, and ETFs with no preference for geography or market cap

Investment Objective:

Focuses on providing a stream of dividend income that is higher than both Dividend Growth and High Yield and comes from a variety of sources. Like High Yield, we attempt to offset the elevated yield by incorporating several types of securities including preferred stocks which traditionally have less price volatility than that of common stocks. Rising dividends are a secondary concern in this model and not required for inclusion.

 

Investment Discipline:

  • High Yield II remains 100% invested in a basket of 20 securities always. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying common stocks with no preference for geography or market cap

Investment Objective:

Focuses on providing a rising stream of dividend income from common stocks that have a history of annually raising their dividends. This is designed to help offset the damaging effects of inflation. Investors not dependent on the dividend income immediately can reinvest their dividends to further amplify the rising dividends these companies already provide. A secondary objective is to provide capital appreciation comparable to that of domestic equity markets.

Investment Discipline:

  • Dividend Growth remains 100% invested in a basket of 20 securities at all times. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • When selecting the securities for this model, we ensure that each one has a dividend yield of at least 2%, has increased its dividend for at least 5 consecutive years, and has raised its dividend by at least 4% annually for the past 1 and 3 years. Once those criteria are met, we gather the relevant data to compare the fundamental and technical aspects of each security and use them to score each one. The highest scoring securities are placed in the model with some consideration given to replicating the sector weightings of large cap indexes. The holdings in this model are reviewed continuously.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying common stocks with no preference for geography or market cap

Investment Objective:

Focuses on providing a rising stream of dividend income from common stocks that have a history of annually raising their dividends. This is designed to help offset the damaging effects of inflation. Investors not dependent on the dividend income immediately can reinvest their dividends to further amplify the rising dividends these companies already provide. A secondary objective is to provide capital appreciation comparable to that of domestic equity markets.

Investment Discipline:

  • Dividend Growth remains 100% invested in a basket of 20 securities at all times. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • When selecting the securities for this model, we ensure that each one has a dividend yield of at least 2%, has increased its dividend for at least 5 consecutive years, and has raised its dividend by at least 4% annually for the past 1 and 3 years. Once those criteria are met, we gather the relevant data to compare the fundamental and technical aspects of each security and use them to score each one. The highest scoring securities are placed in the model with some consideration given to replicating the sector weightings of large cap indexes. The holdings in this model are reviewed continuously.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying securities including high yield common stock, MLPs, REITs, BDCs, and preferred stock with no preference for geography or market cap

Investment Objective:

Focuses on providing a stream of dividend income that is higher than Dividend Growth and comes from a variety of sources. According to the risk/reward tradeoff inherent in investing, a higher dividend yield traditionally comes with a higher level of risk; risk of loss, risk of dividend cuts, risk of default. We attempt to offset that by incorporating several types of securities including preferred stocks which traditionally have less price volatility than that of common stocks. Rising dividends are a secondary concern in this model and not required for inclusion.

High Yield NQ varies from High Yield only in the fact that it will not hold MLPs. These securities issue K-1s for tax purposes which can create issues for clients when filing their annual income taxes. High Yield NQ is optimized for non-qualified accounts.

Investment Discipline:

  • High Yield remains 100% invested in a basket of 20 securities at all times. We aim for 14 common stocks, 3 MLPs, REITs, or BDCs, and 3 preferred stocks. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • When selecting the securities for this model, we ensure that each one has a dividend yield of at least 3.5% and has not cut its dividend within the last 5 years. Once those criteria are met, we gather the relevant data to compare the fundamental and technical aspects of each security and use them to score each one. The highest scoring securities are placed in the model with some consideration given to replicating the sector weightings of large cap indexes. The holdings in this model are reviewed continuously.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying securities including high yield common stock, MLPs, REITs, BDCs, and preferred stock with no preference for geography or market cap

Investment Objective:

Focuses on providing a stream of dividend income that is higher than Dividend Growth and comes from a variety of sources. According to the risk/reward tradeoff inherent in investing, a higher dividend yield traditionally comes with a higher level of risk; risk of loss, risk of dividend cuts, risk of default. We attempt to offset that by incorporating several types of securities including preferred stocks which traditionally have less price volatility than that of common stocks. Rising dividends are a secondary concern in this model and not required for inclusion.

High Yield NQ varies from High Yield only in the fact that it will not hold MLPs. These securities issue K-1s for tax purposes which can create issues for clients when filing their annual income taxes. High Yield NQ is optimized for non-qualified accounts.

Investment Discipline:

  • High Yield remains 100% invested in a basket of 20 securities at all times. We aim for 14 common stocks, 3 MLPs, REITs, or BDCs, and 3 preferred stocks. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • When selecting the securities for this model, we ensure that each one has a dividend yield of at least 3.5% and has not cut its dividend within the last 5 years. Once those criteria are met, we gather the relevant data to compare the fundamental and technical aspects of each security and use them to score each one. The highest scoring securities are placed in the model with some consideration given to replicating the sector weightings of large cap indexes. The holdings in this model are reviewed continuously.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying securities including MLPs, REITs, BDCs, preferred stocks, and ETFs with no preference for geography or market cap

Investment Objective:

Focuses on providing a stream of dividend income that is higher than both Dividend Growth and High Yield and comes from a variety of sources. Like High Yield, we attempt to offset the elevated yield by incorporating several types of securities including preferred stocks which traditionally have less price volatility than that of common stocks. Rising dividends are a secondary concern in this model and not required for inclusion.

 

Investment Discipline:

  • High Yield II remains 100% invested in a basket of 20 securities always. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Investment Mandate:

100% invested in dividend paying securities including MLPs, REITs, BDCs, preferred stocks, and ETFs with no preference for geography or market cap

Investment Objective:

Focuses on providing a stream of dividend income that is higher than both Dividend Growth and High Yield and comes from a variety of sources. Like High Yield, we attempt to offset the elevated yield by incorporating several types of securities including preferred stocks which traditionally have less price volatility than that of common stocks. Rising dividends are a secondary concern in this model and not required for inclusion.

 

Investment Discipline:

  • High Yield II remains 100% invested in a basket of 20 securities always. Since the primary focus of this model is dividend income and dividends are paid based on the number of shares owned, this model’s primary objective would be disrupted by moving to cash.
  • Once clients’ funds are allocated, positions will not be regularly traded. This is due to the rising dividends that we are hoping to benefit from down the road. Securities will be monitored to make sure that dividends are not cut or suspended, fundamentals remain solid and favorable for continued growth, and that the price does not become overly inflated relative to appropriate valuations.

Motif Models

Biotech

Consumer Cyclical

Consumer Staples

Energy

Financials

Gold

Healthcare

Industrials

Materials

Real Estate

Semiconductors

Technology

Utilities

Investment Mandate:

90-110% invested in common stocks and ETFs for various sectors

Investment Objective:

These models are focused on providing capital appreciation in line with that seen by the sector it is replicating. Some common stocks held in certain motif models may pay dividends, but it is not a main objective. Active management within the model aims to amplify gains during rising sector trends and minimize losses during falling sector trends

 

Investment Discipline:

  • For each motif, 50% of each model's assets are invested in common stocks, 40% in a sector ETF, and the final 10% is either held in cash or in a double-leveraged sector ETF. All securities are from the sector each motif aims to replicate
  • The common stocks are selected by identifying undervalued securities within the sector based on various fundamental criteria. Common stocks are sold when a given loss criterion is met or its fundamental statistics change meaningfully
  • The last 10% will be allocated to either cash when the respective sector's trend is weaker than that of the S&P 500, or a double-leveraged ETF when its trend is stronger than that of the S&P 500

Investment Mandate:

90-110% invested in common stocks and ETFs for various sectors

Investment Objective:

These models are focused on providing capital appreciation in line with that seen by the sector it is replicating. Some common stocks held in certain motif models may pay dividends, but it is not a main objective. Active management within the model aims to amplify gains during rising sector trends and minimize losses during falling sector trends

Investment Discipline:

  • For each motif, 50% of each model's assets are invested in common stocks, 40% in a sector ETF, and the final 10% is either held in cash or in a double-leveraged sector ETF. All securities are from the sector each motif aims to replicate
  • The common stocks are selected by identifying undervalued securities within the sector based on various fundamental criteria. Common stocks are sold when a given loss criterion is met or its fundamental statistics change meaningfully
  • The last 10% will be allocated to either cash when the respective sector's trend is weaker than that of the S&P 500, or a double-leveraged ETF when its trend is stronger than that of the S&P 500

Fixed Income Models

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing quality dividend income with some potential for low-volatility capital appreciation. High Fixed Income has the most up and downside potential among our fixed income models, but also provides the highest dividend yield. It overweights longer duration and international bonds.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing quality dividend income with some potential for low-volatility capital appreciation. High Fixed Income has the most up and downside potential among our fixed income models, but also provides the highest dividend yield. It overweights longer duration and international bonds.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing quality dividend income with some potential for low-volatility capital appreciation. Diversified Fixed Income has modest up and downside potential, and also provides the modest dividend yield. It focuses on intermediate duration bonds with some international and municipal exposure as well.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing quality dividend income with some potential for low-volatility capital appreciation. Diversified Fixed Income has modest up and downside potential, and also provides the modest dividend yield. It focuses on intermediate duration bonds with some international and municipal exposure as well.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing low dividend income with a focus on principal preservation. Stable Fixed Income has the least amount of price fluctuation among our fixed income models, while still providing a low dividend yield. It overweights short duration and variable rate bonds.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing low dividend income with a focus on principal preservation. Stable Fixed Income has the least amount of price fluctuation among our fixed income models, while still providing a low dividend yield. It overweights short duration and variable rate bonds.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing quality dividend income with some potential for low-volatility capital appreciation. High Fixed Income has the most up and downside potential among our fixed income models, but also provides the highest dividend yield. It overweights longer duration and international bonds.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing quality dividend income with some potential for low-volatility capital appreciation. High Fixed Income has the most up and downside potential among our fixed income models, but also provides the highest dividend yield. It overweights longer duration and international bonds.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing quality dividend income with some potential for low-volatility capital appreciation. Diversified Fixed Income has modest up and downside potential, and also provides the modest dividend yield. It focuses on intermediate duration bonds with some international and municipal exposure as well.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing quality dividend income with some potential for low-volatility capital appreciation. Diversified Fixed Income has modest up and downside potential, and also provides the modest dividend yield. It focuses on intermediate duration bonds with some international and municipal exposure as well.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing low dividend income with a focus on principal preservation. Stable Fixed Income has the least amount of price fluctuation among our fixed income models, while still providing a low dividend yield. It overweights short duration and variable rate bonds.

Investment Discipline:

This is a static model that is rebalanced annually as needed

Investment Mandate:

100% invested in fixed income ETFs from various sectors

Investment Objective:

This model is focused on providing low dividend income with a focus on principal preservation. Stable Fixed Income has the least amount of price fluctuation among our fixed income models, while still providing a low dividend yield. It overweights short duration and variable rate bonds.

Investment Discipline:

This is a static model that is rebalanced annually as needed

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