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CLS provides clients with innovative financial solutions delivered
through multiple investment strategies.
Existing Portfolios – services for clients with existing mutual
funds or variable annuity accounts
You may feel confident in the investments you have selected; however,
if you are like most people, questions can arise when the market and
economy change. If you’ve wondered when is the right time to
make portfolio changes or which investment options to consider, CLS
can help you find the answers. CLS's risk budgeting methodology helps
determine when, where and how to invest. The assets are made up of
your existing mutual fund and/or variable annuity assets. When market
conditions change, CLS reallocates your assets within your mutual fund
family or annuity sub-accounts in an effort to help you take advantage
of favorable market trends and avoid areas of the market that are
underperforming.
With CLS Investments, clients can:
- Maintain current investment vehicles
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Increase diversification by investing in multiple asset classes
- Control risk and manage volatility
- Increase potential for capital appreciation
- Receive professional management based on personal risk budget
CLS believes risk budgeting is a critical element in creating client
portfolios. A client’s risk budget is based on his or her
individual financial goals, ability to handle risk, and overall time
horizon.
Separate Accounts – individual stocks, bonds, exchange traded
funds (ETFs) customized by the CLS Portfolio Management Team
Your investment portfolio can put you on the path toward financial
freedom. However, thousands of investment options, a sometimes
volatile stock market, and an ever-changing economy can make choosing
the right assets complicated. CLS can help you make difficult
investment decisions like when, where, and how to invest.
With CLS Investments, clients receive:
- Increased flexibility over a traditional separate accounts
portfolio
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Lower internal expenses
- Reasonable advisory fees
- Increased diversification by investing in multiple asset
classes, fund families and market segments
- Tax considerations
CLS believes risk budgeting is a critical element in creating client
portfolios. A client’s risk budget is based on his or her
individual financial goals, ability to handle risk, and overall time
horizon.
New Investments – core and satellite methodology to capitalize
on growing segments of the market
Customized Portfolio Management uses a core and satellite methodology
to capitalize on growing segments of the market during all market
conditions – up, down or sideways. The core assets are CLS's
proprietary funds. The satellite assets are managed by other carefully
screened third party money managers. This unique combination of core
and satellite assets provides your portfolio with active allocation
and risk management while enhancing the potential of outperforming the
market via high-quality specialized mutual funds.
With CLS Investments, clients receive:
- Increased diversification by investing in multiple asset
classes, fund families and market segments
- Controlled risk and managed volatility
- Increased potential to grow principal investment regardless
of the current market environment
- Access to a core and satellite portfolio
CLS believes risk budgeting is a critical element in creating client
portfolios. A client’s risk budget is based on his or her
individual financial goals, ability to handle risk, and overall time
horizon.
Retirement Plans – professional money management for 401(k)
plans, pension plans, and other employer-sponsored plans
Retirement just got better with CLS's 401(k) Retirement Portfolio
Management
- Save Time – Our portfolio management team takes time
to analyze all the available information and make prudent decisions
about your investments.
- Research Decisions – As fund companies add more and
more investment choices, a professional money manager can research new
options.
- Remove Emotion – CLS is a professional investment
advisor that will monitor your portfolio daily and make disciplined
decisions based on a proven investment methodology.
- Reasonable Fee – Employees who choose to participate
will incur a management services fee. For more information regarding
the advisory fee, please refer to the investment advisory agreement.
ROLLOVER OPTION
It’s your money. Take it – and CLS’s professional
money management – with you.
With CLS’s Rollover Option, clients can:
- Continue to work with a financial representative
- Keep money managed between jobs
- Reevaluate risk as needed
- Maintain growth in the account, even after retirement
- Realize old dreams or pursue new ones
CLS has rollover options for different needs:
- $10,000-$30,000 – Diversify with CLS's proprietary
funds
- $30,000 and above – Use our flagship strategy,
Customized Portfolio Management (CPM), for rollover needs
LIFESTYLE OPTION
Time passes, life changes. Even as life gets busier, you still want
your money managed in accordance with your goals. When your life
changes, so does your portfolio with CLS professional money management
on your side.
With CLS's Lifestyle Option, clients receive a customized risk budget
that adjusts annually with the approaching retirement horizon. Begin
at your comfort level – not with a pre-conceived model –
and continue to move toward more conservative holdings at your own
pace as you get closer to goals. Stop the automatic adjustments
whenever you’ve reached your comfort level. With so much
freedom, you’re sure to find the right level of risk for your
portfolio.
Contact your HR Department or your financial representative for
information on either the Rollover or Lifestyle Options.
CLS believes risk budgeting is a critical element in creating client
portfolios. A client’s risk budget is based on his or her
individual financial goals, ability to handle risk, and overall time
horizon.
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