IRA’s, TSA’s, 401(k) Rollovers, 457 Rollovers

Defined benefit plans, Defined contribution plans

RETIREMENT PLAN ASSET MANAGEMENT

FEATURING

PREFERRED ASSET MANAGEMENT (PAM)*

GENERAL

This program is designed to provide access to professional management of your retirement dollars with features demanded by high net worth investors, at a cost that makes sense. The elimination of sales commissions, surrender penalties and mutual fund sales-loads provides complete flexibility and 100% liquidity at all times.

Your investment can be allocated between no-load funds, load funds (without the load), Real estate investment trusts (REITs), Unit investment trusts (UITs), stocks, bonds and exchange traded funds (ETFs). A commission is never paid on any transaction. This removes any conflict of interest an advisor may have to suggest a portfolio change.

More than simply an investment, advised portfolios are an integrated investment system and services. This includes a personal investment policy statement, complex risk management techniques utilizing modern portfolio theory (MPT), monitoring and portfolio re-balancing, extensive performance reporting with on-line access and account integration into your overall financial plan.

The annual advisory fee is extremely competitive and is based on the size of the account. Larger accounts qualify for a lower fee percentage. Multiple accounts may be combined for lower fees. Fees range from .75% for larger account values to 1.25% for small accounts. Transaction and custodial fees typical of brokerage accounts may also apply to your account. Many advisory firms with similar services have account minimums at $500,000.00. To serve the needs of educators we have currently set our minimum account size at $50,000.00.

The first step to determine if this account is right for you is to review detailed information about the program and the advisor. Then we can help you evaluate if a fee based advisory account is appropriate for your situation.

I welcome your questions and comments.

Call 1-800-365-8884 for more information or to schedule a complementary consultation.

Michael L. Fenison, CFP® RFC

Procrastination is not your friend, call now!

*Preferred Asset Management is a fee-based asset management account. For a copy of Multi-Financial Securities’ ADV Part 2 which describes the advisory program, charges, fees and expenses, please request one from Michael Fenison by calling the above phone number.