Lifetime Evolution, Evolution, Political Seasonality, Classic and Progressive accounts may be invested in stock, income, and money market mutual funds, variable annuities and single premium variable life policies at over 100 different mutual fund and variable annuity companies. All accounts remain registered in the client's name.

What is Lifetime Evolution?

Our newest suitability-based strategy is LIFETIME EVOLUTION. Lifetime Evolution places an investor in one of twelve risk profiles. Each profile maintains two portfolios with different percentage allocations based on each investor’s represented risk tolerance and investment time horizon — one containing income funds and the other equity funds. Each portfolio also includes a money market fund. Active management of each portfolio is performed weekly. It's the same approach we apply to hundreds of 401(k) plans nationally.

What is Evolution Asset Allocation?

Evolution combines the best selected features of asset allocation and active management. Evolution endeavors to keep clients invested in the top performing funds within a pre-selected portfolio of investments as diverse as stocks, bonds, precious metals, internationals and industrial sectors. Reallocation is reviewed weekly. Since money market funds are also ranked in the system, the approach offers the possibility of moving to a 100% cash position during dire market periods. Evolution can move more than 40 times per year and is available with more than 30 different mutual fund and variable annuity companies. For more information, click here.

What is Political Seasonality?

Political Seasonality is an investment strategy designed for the investor looking for an alternative to buy & hold on the Dow. Political Seasonality moves in and out of the market based on the markets historical tendencies over the last 100+ years! For more information, click here.

What is Classic?

Classic is a tactical asset allocation service that is usually 100% invested in a single asset category, such as stock or bond funds. The object is to invest client funds in growth-oriented stock funds when our indicators point to the probability of an advance. When the indicators warn that these funds may fall, Flexible Plan moves the entire investment into money market or bond funds where daily interest is earned. Clients may elect precious metals funds as an option at some fund companies as well. Classic has three to six one-way trades per year, and is available in over 100 mutual fund and variable annuity families. Indicators used: include political/seasonality, advance-decline divergence, high-low divergence, momentum, monetary conditions and put/call sentiment. For more information, click here.