Compass Asset Allocation Program
Our investment advisory offering is focused in three primary areas:

• Traditional investment management using asset allocation portfolios
• Goal linked portfolio strategies
• Distribution focused strategies

Our services are designed to protect and increase your wealth by delivering the potential for superior after-tax returns, with a high level of personalized service. Our Trusted Financial Advisors are experienced in understanding the unique needs of affluent investors and in formulating prudent investment strategies to help them achieve financial success.

What distinguishes our program is its personal emphasis. It is built around you - your goals, your time frame, and your tolerance for risk. As your needs change, our ongoing management process ensures that your investment portfolio evolves with you. We employ a disciplined process similar to that used by sophisticated institutional investors in managing their investments.

"Pursuing a prudent and balanced investment strategy helps you preserve and increase your wealth."

We follow a well-defined, time-proven process to increase the probability that you will meet your financial objectives. We designed this program to replicate at each level the intricate and highly disciplined approach that institutional money managers use in the management of large pools of pension assets. Your portfolio strategy begins with a personalized investment analysis, then graduates through the portfolio construction process, in which multiple asset classes, multiple style allocations and multiple specialist money managers are combined to meet your investment objectives. The result is a well-tuned, five-step asset management process designed to respond to your individual needs while also responding to the dynamics of capital markets.

1. Through personal consultations with you, Your Trusted Financial Advisor develops a personal profile of your individual investment needs and objectives, time horizon, risk tolerance, and attitude toward investing.
   
2. We develop a personalized asset allocation policy based on your needs and objectives as identified in Step 1. This policy option maximizes your investment returns relative to your risk tolerance through the carefully diversified allocation of your investments.
   
3. Your asset allocation policy is implemented by investing in a well-diversified portfolio of mutual funds ETFs and other securities as well as preeminent institutional money management firms, not normally accessible to an individual investor.
   
4. Your investment portfolio is carefully monitored on an ongoing basis to ensure that it remains consistent with your agreed-upon asset allocation policy. If the relative value of investments in your portfolio changes enough to become inconsistent with this policy, your portfolio is rebalanced.
   
5. We will communicate with you on a regular basis and provide a comprehensive reporting package including account level performance reports and statements providing details of your account including total asset value and a record of all transactions that occurred during the reporting period.

Diligent account monitoring is an integral part of our investment services. Tracking your results allows you to measure the progress against your stated objectives and provides us the opportunity to discuss the management of your porfolio and any changes in your financial situation. We provide you with everything you need to fully understand the progress being made in your portfolio.

As our client, you will receive one of the most comprehensive and easy-to-understand reporting packages available. It includes a consolidated account statement, quarterly performance reporting, and a detailed annual tax report. Online viewing of your account is available.

The account statement tracks the activity of your investments and provides a clear picture of how your assets are invested. The graphically appealing format is easy to read and reduces much of the confusion associated with traditional statements. A quarterly performance report provides an in-depth analysis of your portfolio's return and allow you to measure your progress against relevant market indices.

At year end we will provide an organized tax report that summarizes totals for both short- and long-term capital gains and dividends to assist in your tax preparation. Most importantly, we are here to provide you with the highest level of personalized service, whether it's reviewing the status of your account or consulting with us on any matter of concern to you.