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INVESTMENT CORE PRINCIPLES

Your goals and objectives are the most important part of building a customized investment plan. You want an investment professional who listens to your concerns and has the experience and expertise to help you achieve your goals. Our investment philosophy is grounded in the fact that the most important part of building a portfolio is through the discovery of your goals, objectives, time horizon, and expectations. As such, we consider ourselves as investment consultants and managers that can build customized solutions to meet a range of goals and expectations. As fiduciaries, we act as a consultant and advisor, not a sales person, that customizes and creates solutions to meet a range of goals and expectations always in the best interest of the client.

Our consulting process entails six steps.

1

Establish and define the relationship.
Determine the services offered by Central Trust Company and agree on the services to be provided.

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1

Establish and define the relationship.
Determine the services offered by Central Trust Company and agree on the services to be provided.

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2

Collect the client’s information.
Upon collecting sufficient quantitative and qualitative information, identify your personal and financial objectives, needs and priorities that are relevant to the scope of the engagement.

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2

Collect the client’s information.
Upon collecting sufficient quantitative and qualitative information, identify your personal and financial objectives, needs and priorities that are relevant to the scope of the engagement.

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3

Analyze and assess the client’s financial status.
We analyze your information, subject to the scope of the engagement, to gain an understanding of your financial and tax situation. We assess the strengths and weaknesses of your current financial and investment plan and compare them to your objectives, needs, and priorities.

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3

Analyze and assess the client’s financial status.
We analyze your information, subject to the scope of the engagement, to gain an understanding of your financial and tax situation. We assess the strengths and weaknesses of your current financial and investment plan and compare them to your objectives, needs, and priorities.

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4

Develop and present the financial recommendations.
Consider one or more investment strategies relevant to your current situation that can meet your objectives, needs and priorities; develop the recommendations to meet your confirmed objectives, needs and priorities; and present the recommendations and the supporting rationale in a way that allows you to make an informed decision.

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4

Develop and present the financial recommendations.
Consider one or more investment strategies relevant to your current situation that can meet your objectives, needs and priorities; develop the recommendations to meet your confirmed objectives, needs and priorities; and present the recommendations and the supporting rationale in a way that allows you to make an informed decision.

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5

Implement the client’s financial and investment plan recommendations.
Agree on implementation responsibilities that are consistent with the scope of the engagement, your acceptance of the recommendations, and the ability to implement the recommendations.

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5

Implement the client’s financial and investment plan recommendations.
Agree on implementation responsibilities that are consistent with the scope of the engagement, your acceptance of the recommendations, and the ability to implement the recommendations.

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6

Review the client’s plan.
Define and agree upon terms for reviewing and reevaluating your plan, including goals, risk profile, lifestyle and other relevant changes. We will meet with you on a predetermined basis, at a frequency that is most convenient for you.

Our Philosophy 6
6

Review the client’s plan.
Define and agree upon terms for reviewing and reevaluating your plan, including goals, risk profile, lifestyle and other relevant changes. We will meet with you on a predetermined basis, at a frequency that is most convenient for you.

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Our Investment Approach

We seek to provide value by looking for opportunities to combine these independent strategies into a cohesive wealth management approach.

  • Fiduciary Considerations — Avoid conflicts of interest and always act in our client’s best interest.
  • Asset Allocation — We believe in diversifying across asset classes and employing a global perspective.
  • Portfolio Construction — We believe in the concepts of core and satellite investing. We use various strategies in efficient and less-efficient markets, balancing the cost of the investment vehicle with the opportunity to add value versus a given benchmark.
  • Security Research & Selection — We believe in seeking investment solutions that employ investment processes with diversified opportunities to add value (alpha), in an effort to provide the best long-term results with consistency. This results in recommendations that can include active management and/or passive indexing approaches, which can include separately managed accounts with individual securities, mutual funds, exchange traded funds (ETFs), etc.
  • Tax Management — We believe in using effective tax management strategies for taxable clients, when possible. Taxes can be a significant drain on investment performance. We prefer separately managed accounts where appropriate. Tax management also applies to institutional clients that need to maintain their tax-exempt status.
  • Rebalance Management — We believe in tax efficiently rebalancing client portfolios to keep the portfolio in line with original risk and return parameters.
  • Overlay Management — We believe in applying the best possible technology to manage and rebalance client portfolios relative to their return expectations, risk tolerances and restrictions, while adhering to tax sensitivity, if applicable.
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