Our assessment of your situation drives a restructuring process that reallocates your assets among various “asset classes” and management styles using asset allocation principles. We recommend high quality mutual funds, portfolio managers, “hedge funds”, and other managed products that utilize a variety of different investment strategies. This customized team of managers is constructed to work in a complementary fashion. Please review the following link concerning Investment Risks.

Manager Optimization includes the services listed below in progressive order:

• Assess your financial situation
• Identify your goals and risk tolerance
• Consider income tax liabilities
• Develop an investment strategy
• Facilitate strategy implementation
• Measure and evaluate investment performance

Our fee-only approach means that our service is not subject to the conflicts of interest created when advisors receive compensation through commissions and proprietary products. We are also not constrained by an “approved product list” that limits the investment options available from many of our large competitors. We will neither take custody of your assets nor have discretionary control over your account.

After implementation, Financial Clarity will monitor your investments on an ongoing basis. We will endeavor to meet with you quarterly to discuss the performance of your portfolio and to formulate strategies for the future. Our institutional quality reports provide percentage return statistics for your liquid investments. These reports allow you to evaluate how each manager performed in relation to an appropriate index.

As noted, it is important to integrate your investment strategy with the other aspects of your financial situation. We can easily interface with other professionals to coordinate your income tax, employee benefit, insurance and estate planning with your investment strategy. For example, our knowledge of your income and assets allows us to provide your accountant with updated estimates of your taxable income each quarter. After year-end, we help manage the acquisition of the tax documents such as 1099s and K-1s. Additionally, as your estate plan changes, we will work with your legal advisors to re-title your assets so that your estate plan will function as expected.