Minimum Investment Amount: $10,000 – Money Concepts BD Only

Investment Objective: Seeks to provide a target total return of 3-5% consistent with preservation of capital with a secondary objective of providing income

Portfolio Allocation: 50% Fixed Income, 25% Equities, 15% Utilities, 5% Real Estate, 5% Cash

Type(s) of Investments: Mutual Funds

Distinguishing Characteristics:

• • Model normally invests 50% of assets in Fixed Income securities chosen for their low volatility, low standard deviation and duration. 15% of assets may be invested in Utilities. 25% of assets may be invested in Large and Mid-Cap equity securities. 5% of assets invested in Real Estate.