SUMMARY OF CURRENT POSITION

Cash Assets (Checking, Savings, CDs: $150,000

Taxable Assets (Individual, Joint, Trust): $250,000

Retirement Assets (IRA, 401k, 403b, Roth accounts, etc): $550,000

INVESTMENT GOAL DETAILS

Goal(s): To build a diversified portfolio consisting of best in class investment strategies structured to accomplish the long term goals of the client.

Taxable Account: Increased growth potential with access to money if needed before retirement.

Retirement Accounts: Invest for growth to provide income during retirement.

Investment Contribution Rate: 15% of Income		Duration or number of years to invest: 15 yrs to retirement		Rate of Return Goal: 5% annual return based on Financial Planning analysis
Risk Tolerance: Moderate			Short-term liquidity needs: Low (0.0% - 2.0%)

TARGET ASSET ALLOCATION

U.S. Stocks	20-80%	Large-Cap	50%	Mid-Cap	25%	Small-Cap	25%
Foreign Stocks	0-40%	Dev. Markets	50%	Em.Markets	25%	Int. Small-Cap	25%
Bonds	0-80%	Short-Term	25%	Int.-Term	50%	Long-Term	25%

INVESTMENT MANAGEMENT PROCESS

The Process begins with your goal as the foundation of the Investment Management Process. Each subsequent step should serve to build and strengthen the likelihood of the goal being achieved.

INVESTMENT STRATEGY IN BRIEF

We listen to your current financial situation and what you would like to accomplish in order to structure a long term, diversified strategy that best fits your personal financial plan. We work to anticipate (not predict) the market and evolve your portfolio to reflect the ever-changing environment while helping you achieve financial security, maximize your gains and protect your assets.

Favor the long term growth potential of stock funds and use bond funds for diversification from stocks, capital preservation, income and inflation protection. Hold cash and short-bond funds for near-term expenditures. Use Active, Passive, and Retirement Buckets Investment Strategies as necessary.

RANGE OF STOCK, BOND & BLENDED TOTAL RETURNS - Annual total returns, 1950-2019

INVESTMENT SELECTION CRITERIA

Morningstar Analyst Rating	Fee Level	Morningstar Star Rating	Manager Tenure
Investment Philosophy	Risk / Return	Parent Company	Stewardship Grade

MONITORING STANDARDS

Rebalance when allocations to broad asset classes are 5 - 10% from the target asset allocation:

Review Portfolio: Annually - Semiannually - Monthly

Progress toward goal	Performance vs. benchmark/category peers
Tax efficiency of taxable portfolio	Tax-loss harvesting opportunities
Concentration risk (investment style, sector)	Portfolio performance vs. blended benchmark
Market Opportunities / Undervalued Stocks	Security fundamentals

Northbrook Financial

1340 Smith Ave, Ste 200 | Baltimore | MD | 21209 | www.northbrookfinancial.com | (410) 941-9709