Today's investors have learned that there is no single investment strategy that always leads to success. Just as Modern Portfolio Theory demonstrated that using many asset classes reduces risk, recent studies have uncovered the additional risk reduction advantage of employing many strategies. Despite these findings, strategic investors in variable annuities* seeking this new level of risk management have been required to maintain a separate annuity contract for each strategy they chose to deploy. More paperwork, more administration, less convenience. But no longer!

*Managed Solutions is also available for select variable universal life policies.

What investors need is Managed Solutions:

Managed Solutions is an investment service made available to you by Flexible Plan Investments. It allows the investor to allocate one annuity policy among up to five different strategies drawn from the many strategies available. Simply choose the strategies that best meet your investment style. Our annuity company arrangements open up literally hundreds of new investment opportunities.

** Available at select VAs and VULs only.
*** Consult your adviser regarding any surrender charges. While use of a bonus program may eliminate all or a portion of this charge, bonus payments extend surrender charge periods.

Managed Solutions Strategies

DYNAMIC STRATEGIES OFFERED

Market Leaders — Offers investment management techniques based on the Market Leaders Index developed by Discipline Wealth Management, LLC.. Asset allocation choices are invested into the top performing asset classes and adjusted as market conditions warrant. Available in Strategic, Tactical and Dynamic investment approaches. 

Evolution II — A collection of three to five fund universes utilizing different holding period requirements to expand the list of available sub-accounts. The strategy will invest in the best performing sub-accounts within each universe, chosen using our proprietary momentum-based dynamic asset allocation model. A money market fund is available within each universe, should that particular group experience mostly downward movement.

Lifetime Evolution — Utilizes Flexible Plan's Evolution Asset Allocation methodology to create up to twelve (12) strategies at various fund families. Based on client's answers to a suitability questionnaire, clients are placed in one of twelve (12) portfolios. Each portfolio holds a different percentage of income or equity investments (which may be sub-accounts of which the Adviser is the sub-adviser) as the case may be.

Next Generation — Utilizes cutting-edge software from Morningstar/Ibbotson, employing Resampling Allocation. Investments are chosen from ten distinct asset classes, including international and alternative investments, within a Usharpe-filtered investment universe. Also employs daily hedging based on proprietary Targeted Volatility Analysis.

Global Select — Applies our Evolution methodology to global and international sub-accounts, while seeking to reduce the higher risks inherent in foreign markets, which include currency and political risks.

High Yield Select — Applies our Evolution methodology to long-term government and high-yield corporate bond sub-accounts, which offer the greatest potential total return.

Value Added Asset Allocation — Adopting the Nobel Prize winning principles of Modern Portfolio Theory, Value Added Asset Allocation employs the standard quarterly rebalancing of each asset class portfolio. It provides value added by applying weekly Evolution rankings in its selection of the sub-accounts (funds) invested in each of the asset class portfolios.

SECTOR STRATEGIES OFFERED

Bear Necessities — Seeks to keep your hard-earned money invested in sectors that have historically thrived when the rest of the market may be heading south. The Evolution approach is used to rotate between sub-accounts on a weekly basis.

Best Tech — Ranks sub-accounts from high-tech industries on a weekly basis and invests in three or more to help manage the higher risk of many of these sub-accounts. Of course, like all Evolution-based strategies, Best Tech can move to money market funds when the environment looks especially treacherous.

Sector Select — Applies the Evolution approach to a universe of sector sub-accounts with the objective to tame the volatility and capture the higher returns of sector sub-accounts.

TACTICAL STRATEGIES OFFERED

Classic — A "100% in-100% out" weekly tactical asset allocation model. Developed by John Sosnowy in the late 1960s, and first used in 1970, the model encompasses fundamental, monetary and technical indicators, including sentiment and momentum, in a purely quantitative, fact-based methodology with disciplined implementation procedures.

Political Seasonality — For the investor looking for an alternative to buy & hold on the Dow, Political Seasonality offers a more dynamic approach based on the market's historical tendencies over the last 100+ years!

Systematic Advantage — each day we monitor over 90 money management systems, most tested going back over 25 years. But instead of merely picking the one with the best record last year, we use Evolution technology to rank all systems on a weekly basis. We then follow the signals of the top-ranked systems.

Strategic Allocation — While investors can mix and match a customized portfolio of strategies themselves, Flexible Plan will also do it for them. Based on the answers to a Client Suitability Questionnaire and the amount of assets to be managed, a custom portfolio of strategies drawn from the Strategic Solutions active management strategies will be constructed, managed and monitored, with changes to the underlying portfolio of strategies made as needed (at least annually) to seek to create the best mix of strategies. And Flexible Plan does this at no added cost and on accounts as small as $100,000! Investing has never been easier.

Strategically diversify your variable annuity or variable universal life portfolio by choosing Managed Solutions!

To contact us to obtain more information about Managed Solutions, click here.

The type and number of strategies available is dependent on the policies of the variable product chosen by the investor. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. The foregoing descriptions of the various SAVI Portfolios describe the objectives of each. There are no guarantees that the stated objective will be met. Utilization of annuities necessarily involves administrative, insurance and investment costs which are reflected in the daily net asset values of the annuity sub-accounts. This additional layer of costs is incurred notwithstanding that there is no load or transaction fee imposed by the annuity on purchase or sale of annuity sub-accounts. Inherent in any investment is the potential for loss as well as the potential for gain. A list of all recommendations made within the immediately preceding 12 months is available upon written request. Research Reports are available at our website or upon request for all strategies.

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