A money management program to help you meet your unique financial goals and objectives.

Structuring Your Portfolio

In today’s complicated financial markets, building a quality investment portfolio demands the advice and personal attention of a professional.

A financial advisor can help you construct a portfolio that is right for you by identifying the four key elements of your financial independence: your investment objectives, time horizon, investable assets, and risk tolerance.

Using TIMS, your advisor is able to analyze these variables and develop a cohesive, customized long-term plan.

Your advisor has a wealth of resources to conduct in-depth research, create asset allocation models, select the best investments, monitor your portfolio, and provide you with quarterly consolidated performance reports. Using TIMS, your financial advisor is compensated based on the value of your account instead of by commissions or transactions. Some funds may contain a transaction fee.

Monitoring your portfolio

Once your portfolio has been constructed, your advisor will monitor and analyze your investments, advising you of factors such as market changes and economic developments that may affect your investments.

Proper asset allocation and portfolio management are at the core of the TIMS program. If your objectives or time horizon changes, your advisor can actively reallocate your portfolio among thousands of investments.

The TIMS strategy seeks to leverage top performing no-load mutual funds

Thousands of mutual funds are available to you and your advisor. These include no-load and load-waived offerings from widely recognized and well-respected money managers. The following are samples of some of the fund families available:

By using TIMS, your advisor is able to cost-effectively allocate your portfolio among multiple investment styles.

Reporting process

Through TIMS, your advisor can consolidate your portfolio and provide you with timely account reports. This enables you to conveniently track your progress toward your investment goals.

Each quarter, you will receive a consolidated report that typically includes the following information:

• Portfolio holdings
• Performance of individual holdings
• Performance of overall portfolio
• Realized gains and losses
• Contributions and withdrawals

Your advisor will review and discuss the information you can expect to receive.

The TIMS advisory process

• Discuss and review financial goals, risk tolerance, and time horizon
• Develop a personalized asset allocation strategy
• Implement a strategy with the appropriate investments
• Monitor strategy, portfolio, and investments
• Adjust and rebalance when appropriate

TIMS is a money management program offered through Cadaret Grant, a securities broker/dealer and Registered Investment Advisor.

Before opening an account you must receive a Privacy Policy Statement and a copy of Cadaret, Grant & Co., Inc.’s Part II of the SEC Form ADV which discusses all relevant issues.

Shares of mutual funds are not deposits of, or guaranteed or endorsed by, any financial institution; are not insured by the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board, or any other agency; and involve risk, including the possible loss of the principal amount invested. Investment return and principal value of mutual funds will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost.

Obtain a current prospectus for more complete information, including charges and expenses. Please read the prospectus carefully before you invest or send money.