STAGE 1 ANALYSIS

Before we chart your financial future, we must take a snapshot of your current situation. Together, we assess all fundamental criteria, including your investment goals, time horizon, available resources, liquidity needs, desired rate of return, and tolerance for risk. This information allows us to determine a specific risk/return profile,which is the first vital step toward creating an investment strategy custom fitted to your financial position.

STAGE 2 ASSET ALLOCATION

Over 90% of portfolio performance is determined by asset allocation-the diversification of resources across multiple asset classes to meet a target level of return at an acceptable level of risk. This is why we place the asset allocation decision at the heart of our management system. After we establish your risk/return profile, we match it to a corresponding asset allocation policy. Your asset allocation policy determines which of the model portfolios created by our strategists we use to invest your funds.

STAGE 3 IMPLEMENTATION

Once we arrive at an asset allocation policy consistent with your needs, we match your profile to one or more of our model portfolios. Typically, we recommend distributing your assets between model portfolios to minimize your exposure to risk and to take advantage of market fluctuations within the various asset classes. To meet your goals, Commonwealth Asset Management will follow proven investment techniques in the day-to-day management of your assets to maximize returns and minimize risk within each market sector. We accomplish this by analyzing the economy, financial markets, and specific sectors and securities. Based on this analysis, our defined investment philosophy, and your specific goals, we will purchase and sell securities we deem appropriate. Our portfolio managers will systematically build and maintain diversified client portfolios by investing the assets across various industries, sectors, maturities, and issues. This professional, full-time attention is a prudent approach to investing-an approach valued by ALL investors.

STAGE 4 MONITOR AND REVIEW

Market forces continually impact the underlying value of the asset classes in your portfolio. Commonwealth Asset Management will analyze these market shifts to periodically rebalance the model portfolio. As your advisor, we constantly monitor the relative value of the asset classes, and the specific composition of your portfolio. This ensures that your portfolio properly reflects your asset allocation policy and is consistent with your long term financial goals. Because we are an independent firm and handle a limited number of clients, you can rest assured YOUR unique needs and goals will always come first and receive constant professional oversight.

REPORTING

In addition to confirmation of trades and monthly statements your will also receive:

CUSTODIAL AND EXECUTION SERVICES