• Over 30 different strategies* available in taxable or tax-deferred wrap fee accounts maintained at nationally known trust and variable annuity companies: each strategy requires a minimum of $5,000, with a total account minimum of $20,000 ($25,000 minimum on tax-deferred VA);
  
• Choose one of our four suitability-based Core Strategies alone, or expand your diversification with one or more of our “Select” Strategies;
  
• Every strategy managed with a view to controlling investment risk;
  
• Convenient automatic quarterly fee withdrawal;
  
• Systematic withdrawal plan available on all accounts;
  
• No transaction fees on fund purchases from among hundreds of mutual funds (while we work to avoid them, there can be occasional redemption fees charged by the funds used).

Core Strategies
Strategies that are risk-adjusted, suitability-based and with built-in diversification

Lifetime Evolution — uses our proprietary momentum technology to manage separate stock and income fund portfolios, which are owned in varying percentages in one of twelve risk profiles, to meet each client’s risk tolerance and investment time horizon.

Market Leaders — offers investment management techniques based on the Market Leaders Index. Asset allocation choices are invested into the top performing asset classes and adjusted as market conditions warrant. Then investments in each asset class are invested in the top ranked funds. Available in Strategic, Tactical and Dynamic investment approaches.

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

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, a custom portfolio of strategies drawn from the Strategic Solutions core and select 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!

Select Strategies
Specialized strategies to add focused portfolio diversification

A Better Buy & Hold — for taxable accounts, it uses a 52-week holding period and monthly adjusted portfolios of low turnover and low expense funds to achieve long-term capital gain rates (short-term rates will apply during the first year).

Bear Necessities — utilizes the active Evolution approach to rotate between defensive sector funds.

Best Tech — an Evolution-based strategy that actively ranks funds from various technology industries and invests in three or more to help tame the inherent volatility of many of these funds.

Classic — a “100% in-100% out” weekly tactical asset allocation model that encompasses fundamental, monetary and technical indicators, including sentiment and momentum measures, in a purely quantitative, fact-based methodology with disciplined implementation procedures.

Evolution II — a portfolio that draws on three to five fund universes utilizing different holding period requirements to expand the list of available funds and achieve time diversification. The strategy will invest in the best performing funds within each universe, chosen using our proprietary momentum-based dynamic asset allocation model. A money market fund is available within each universe as an alternative during times of equity market instability.

For a Better World — seeks to be invested in the top-performing socially responsive funds (avoiding stocks such as alcohol, tobacco, gambling).

Global Maturities — gives you global, bond and currency investing in one actively managed portfolio.

Global Select — uses our momentum ranking technology exclusively for international and global funds.

Managed Income — invests in only top performing corporate and government bond funds.

Political Seasonality — a tactical allocation strategy that alternates between money market and mutual funds with performance similar to the Dow Jones Industrial Average, following historical tendencies over the last 100+ years.

Sector Select — “selects” the best returning industry-specific funds from among a prestigious assortment of domestic and international sector funds.

Select Alternatives — uses the Evolution approach to combine the diversification and liquidity of mutual funds with alternative investments traditionally available only to hedge funds. For investors seeking low correlation to the market, rising interest rate/inflation protection and upside potential.

Systematic Advantage — tactically divides the portfolio into investments representing a number of active management trading systems (over 100 are monitored daily) and allocates into equities or money market based on the indicators of each of the top-ranked systems.

Reporting

• Quarterly OnTarget Investing Report;
  
• Quarterly newsletter;
  
• Detailed quarterly Trust or Annuity Company statements, including year-end capital gain/loss schedule for taxable accounts;
  
• Weekly Market Hotline and Classic Update by e-mail or at www.ontargetinvesting.com;
  
• Personal daily account values at our website (www.ontargetinvesting.com).

Investing has never been easier. Isn’t it time you added as many select strategies to your portfolio as possible? Flexible Plan’s strategic diversification delivers a new generation of investment management.

*See Brochure Form ADV Part II for detailed descriptions.

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

Past Performance Does Not Guarantee Future Results. 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 year is available upon request. Prior to investing, read and understand the risk considerations
in the prospectus(s), our Brochure Form ADV Part II, and other information that can be obtained from your financial representative.

Performance Expectations: Active investment management is a conservative strategy seeking wealth preservation, as well as capital accumulation. It is not a get rich quick approach that can be evaluated over a short term. It may not meet the performance of various market indexes during periods when markets either experience rapid appreciation or exhibit no clear trend, but it tends to capture the returns when the markets are trending, and outperform them while prices are declining. Therefore, it requires a complete Bull and Bear market cycle (on average 4-7 years) to fairly judge its results

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