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An investment proposal for

Mr. and Mrs. John Corn family

Disclosure Statement:
You should consider the investment objectives, risks, charges and expense of any
investment before investing. The prospectus contains this and other important
information about the investment. Past performance of any security is not a guarantee
of future performance. There is no guarantee that this investment strategy will work
under all market conditions.

WHITE PRIVATE WEALTH PROGRAM

Dear Corn family,


I am pleased to present you with this customized investment proposal.
As your investments grow, your needs are constantly changing.
After carefully reviewing your objectives and portfolio, I believe
you would benefit from a higher level of investment expertise,
risk management and tax planning.

In using the JBM Private Wealth Program, a comprehensive


offering catering to affluent individuals and Families across the
United States, JBM Investments has a demonstrated ability
helping retirees across America meet their investment goals.

I have prepared the enclosed proposal which outlines what Im


recommending for you. It includes an overview of how your
money will be allocated and details of the investments.

I look forward to reviewing this proposal with you and discussing


how we can help you meet your goals.

Sincerely,

JBM Investments

Executive Summary
For Corn Family
Having built your wealth, its crucial that any recommendations seek to ensure that your
assets are protected. The first step is to tailor your asset allocation to meet your
objectives and risk tolerance, and then regularly monitor and rebalance your portfolio to
maintain that asset allocation and control the risk and volatility over the investment
period. Our proposal is a moderate conservative approach where we will diversify asset
among bonds, mutual funds, large cap stocks, small cap stocks, and cash. We will then
further diversify these assets among many different industries, such as financial,
healthcare, consumer, informational technology, and commodities. This versatility helps
to reduce the overall risk for the portfolio.
The table and graphs below outline your proposed investment of $1,000,000.

Recommended Allocation
As of August 7, 2016

Industry Allocation

Monitoring Your Portfolio


Over time, market fluctuations can shift the asset allocation in your portfolio, changing
the weight in various asset classes and possibly increasing risk. To ensure that your
investments maintain the recommended mix that was customized to your specific
needs, your portfolio will be regularly monitored for significant deviations from target
weights on a monthly basis.

Rebalancing
By monitoring your portfolio on a regular basis, we will be able to see when youre ideal
allocation moves by 10 % beyond your target asset mix, and rebalance your portfolio.
We also restore amounts withdrawn from longer term segment such as cash and money
market accounts to keep income stream consistent. The illustration below gives an
example of what the rebalancing may look like.
Tax information
Dividends and capital gain distributions you receive from the program are subject to
federal income taxes and may also be subject to state and local taxes, unless you
are tax-exempt or your account is tax-favored. Individuals may deduct up to $3,000
of net capital losses against other taxable income each year.

Mission Statement

To cultivate and grow wealth by consistently taking a long-term view and


using meticulous research within a framework of traditional financial
analysis.
Delivering consistent investment results will also achieve our goals.
To create long-term client partnerships by delivering unique investment
insights and exceptional client service.
To attract, retain and develop the best professionals within a passionate
investment culture and with whom we share a commitment to Our Values.

Our Values & History of Firm

Integrity
Excellence and Innovation
Helping participants since 1998
Unique retirement plan experience
Targeting $1,000,000 net wealth investors
No competing interests
Our bottom line your retirement security

Advisory Committee

Jeff Crawford
Jason Hodge
Brandon Brock

Investment Strategies and Risk


Under normal market conditions, your wealth program invests substantially all of its
assets in underlying funds using an asset allocation strategy designed for investors
expected to retire around the year 2045.
The portfolio managers of the program allocate assets to achieve long-term growth
potential, consistent income, and preservation of capital. The program has an overall
strategy of buy and hold with a focus on:
Highly liquid cash investments
Investing in high-quality fixed income securities
Individual Large companies stocks with dividends
Small companies with the potential for high growth
To reduce investment risk and volatility as retirement approaches and in the
postretirement years, the asset allocation strategy will change over time according to a
predetermined glide path moving assets from equity allocation to fixed income
allocation after the retirement date. Securities in the Fund are not insured or
guaranteed by any agency or program of the U.S. government or by any other person or
entity.

Principal risks

Market Risk is the possibility for an investor to experience losses due to


factors that affect the overall performance of the financial markets.
Default Risk is the event in which companies or individuals will be unable
to make the required payments on their debt obligations.
Inflation Risk is the chance that the cash flows from an investment won't
be worth as much in the future because of changes in purchasing power
due to inflation.
Interest Rate Risk is the risk that arises for bond owners from fluctuating
interest rates.
Call Risk is the risk faced by a holder of a callable bond, that a bond
issuer will take advantage of the callable bond feature and redeem the
issue prior to maturity.
Reinvestment Risk is the risk that future coupons from a bond will not be
reinvested at the prevailing interest rate when the bond was initially
purchased.
Liquidity Risk is the risk that a company or bank may be unable to meet
short term financial demands.

Management Risk is the risks associated with ineffective, destructive or


underperforming management, which hurts shareholders and the
company or fund being managed.
Political Risk is the risk that an investment's returns could suffer as a
result of political changes or instability in a country.

Recommend Investment for Corn Family


Recommended investments

Money Market Account


Bond & Trust Preferred Securities
Large Cap Stocks & Dividend Yield
Small Cap Growth Stocks
TOTAL

INVESTMENT AMOUNT
$211,000
$400,000
$250,000
$150,000
$1,000,0000

ALLOCATION
20%
40%
25%
15%
100%

Bond & Trust Preferred Securities (40%)


GCGAX - The Goldman Sachs Group Inc. Bond offers a coupon of 3.6250%.
(BBB+)
Entergy Arkansas 5 % Bond 2010 (EAA) The Union Pacific Railroad
Company. Pass Through Trust 6.061% Senior Secured Equipment Trust Jan 17,
2023, AA2

VMSXX - Vanguard Tax-Exempt Money Market Fund seeks to provide federally


tax-exempt income and preserve shareholders principal investment. The fund
invests in short-term, high-quality securities; the amount of income that a
shareholder may receive will be largely dependent on the current interest rate
environment and the availability of eligible municipal securities.

R. WHITE AND MRS. W. H. WHITE


CLIENT
Quality Large Cap Stocks & Dividend Yield (25%)

5/11/2016
Quality Small Cap Growth Stocks (15%)

Historical Performance Summary


Performance and Benchmark
(Portfolio vs S&P 500 ETF)

Our historical performance has shown stable growth through conservative diversification
that has been consistent growth with S&P 500.
Performance and Benchmark
(Portfolio vs Dow Jones ETF)

Our historical performance has shown stable growth through conservative diversification
that has been consistent growth with Dow Jones ETF.

Annual Fund Operating Expenses


FEES AND EXPENSES OF THE FUND
This table describes the fees and expenses that you may pay if you buy and hold
shares of the Fund.

Total Annual Fund Operating Expenses will not correlate to the Funds ratio of expenses to average not
assets in the Funds Financial Highlights, which reflects the operating expenses of the Fund but does
include Acquired Fund Fees and Expenses.

Investment Disclaimer
You should consider the investment objectives, risks, charges and expense of any
investment before investing. The prospectus contains this and other important
information about the investment. Please request a prospectus from your advisor.
Past performance of any security is not a guarantee of future performance. There is
no guarantee that this investment strategy will work under all market conditions.
Although these securities in the Fund have been registered with the Securities and
Exchange Commission, the commission has not approved or disapproved the Funds
shares or determined if this is accurate and complete. The Funds distributions
generally are taxable to you as ordinary income, unless you are investing through a
tax-deferred arrangement, such as a 401(k) plan or individual retirement account, in
which case you may be taxed later upon withdrawal of your investment from such
arrangement. Any representation to the contrary is a criminal offense.