Full Disclosure

Registration with the SEC or state does not constitute an endorsement of the firm by regulators, nor does it indicate that the adviser has attained a particular level of skill or ability. This content is for informational purposes only and does not intend to make an offer or solicitation for sale or purchase of any securities. Investing involves risk, including the potential loss of principal. No investment strategy, such as asset allocation or diversification, can guarantee a profit or protect against loss in periods of declining values. All investment strategies involve risk and have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially affect the performance of your portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark. Investors should carefully consider the investment objectives, risks, fees, and expenses before investing. Any financial services firms referenced in this material do not provide tax or legal advice. Please consult with your tax or legal professional regarding specific issues prior to making a tax or legal decision.

Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

The Investment Team is not necessarily involved with the research, due diligence, and portfolio management functions related to all investment products or solutions used for each client. The VaR (Value at Risk) scoring approach is Simplicity’s objective measurement of a client’s risk tolerance to the magnitude and speed of potential investment loss (“Client VaR Score”) when selecting model portfolios with optimal asset allocations (“Model Portfolio VaRScore”). The Client VaR Score estimates potential loss during normal market conditions, within a set time period, and is calculated utilizing the parametric method in value at risk and forward-looking capital market assumptions. This method assumes that outcomes are normally distributed about the mean return. The Client VaR Score attempts to mitigate the effects of financial biases and gauge your tolerance for potential loss over 3-month, 6-month, and 12-month time horizons. This analysis helps us establish and maintain the proper portfolio asset allocation so that you can remain committed to your investment plan throughout all market cycles. Both the Client VaR Score, the Model Portfolio VaR Score(s), and the household Model Portfolio VaR Score are assigned a value from 0 – 100 utilizing a cumulative normal distribution function and then indexed on a scale from Conservative to Aggressive.