INVESTMENT MODELS

Our ETF Advisor Accounts - Invest With Trust

We provide various model portfolios for your consideration based on your "pre-asset allocation" analysis, time horizon and available capital. By utilizing our "analysis," we can correctly match you to the appropriate model portfolio.

To correctly match a client's time horizon and risk tolerance, we have a series of asset allocation models available that range from 100% bonds to 100% stocks in 10% increments. Also available are "special situation" asset allocation models to address a client's specific circumstance, which target requirements such as high dividend, paying stocks, or inflation protected treasuries. This array of choices provides you the flexibility to meet your client's current and evolving needs.

In constructing our recommended model portfolios, we utilize ETFs developed by Barclays, the world's largest institutional asset manager and the world's largest manager of indexed investment products, along with other companies, such as Vanguard, when appropriate.

We provide everything necessary to make working with ETFs simple and easy. By using model portfolios, you won't need a Series 7 Securities license, even though ETFs are a "stock." We have flexible options for licensing, such as becoming an IAR (Investment Advisor Representative). This is possible because you are using our advisor account, not buying and selling a listed stock.

EXCHANGE TRADED FUNDS

Make Them Part of Your Future

First launched in the early 1990s, Exchange Traded Funds, or ETFs, have become the fastest growing product in the U.S. ETFs are even making heads swirl in the $7 Trillion Mutial Fund industry. It took Index Mutual Funds more than 24 years to reach 70 Billion is assets. ETFs, however, hit that mark in just 7 years. In simple terms, ETFs are like index funds but unlike Mutual Fund Indexes, they are traded on the major U.S. Stock Exchanges as stocks, and can be bought or sold through any brokerage account at any time during normal trading hours. Like Index Mutual Funds, ETFs represent a fractional ownership in an underlying portfolio of securities that track a specific market index. ETFs offer investors a cost and tax effective opportunity to buy or sell an interest in a portfolio of bonds or stocks in a single transaction.

ETFs Offer a BETTER SOLUTION

ETFs clearly offer a BETTER WAY to invest than individual Stocks, Bonds, Mutual Funds and Annuities (fixed or variable)!

The Advantages of ETFs are:

• Superior Value
• Tax Efficient
  • Can be structured as TAX DEFERRED, like an Annuity with NO PRE 59.5 PENALTIES for withdrawal
  • Withdrawals may be TAXED as LONG TERM CAPITAL GAINS
  • STEP UP in COST BASIS at DEATH
  • Also available in QUALIFIED PLANS (IRA, Roth IRA, 401k, 403b, etc.)
• TOTAL LIQUIDITY
  • NO SURRENDER CHARGES
  • NO PENALTIES
• TOTAL TRANSPARENCY with FULL DISCLOSURE
• PERFORMANCE ADVANTAGE of PASSIVE MONEY MANAGEMENT
  • 1.5% more return on average over the last 50 years
• TREMENDOUS FLEXIBILITY to make adjustments as client situation changes
• Can be DESIGNED as SAFE (US Treasuries or Guaranteed Accounts) or as Risky as Client Situation demands
• Low Investment Expenses
  • 1/2 the COST of Mutual Funds
  • 1/2 the COST of Variable Annuities
• EFFICIENT and TRANSPARENT Asset Allocation with NO STYLE DRIFT

Instant and Broad Diversification

ETFs provide unmatched diversification and shield investors from single stock disasters that can devastate a portfolio.

Tax Efficiency

To some extent, traditional Mutual Fund investors are at the mercy of their fellow shareholders and their fund managers when it comes to capital gains taxes. That's because Mutual Fund shareholders purchase and redeem shares from the fund. If the fund managers need cash to meet investors' redemptions, they may have to liquidate holdings in the portfolio, possibly holder redemption - capital gains - are passed along to all other shareholders. Receiving unwanted capital gains tax distributions in a year when their fund displays negative performance can be especially discouraging to investors. With ETFs, investors buy and sell from one another on an exchange -- not with the fund. Thus, ETF shareholders have more control over their tax destiny because they are not impacted by fellow shareholder purchases and redemptions.

TUITION REWARDS

COLLEGE PLANNING

The college process is not only complicated, but very time sensitive. You can provide expert help for your clients with an online service that helps them select, apply and fund their children's education. This value-added service requires no special knowledge on your part, with all the work being done by the premier college planning company in the country.

INTERACTIVE ADVISOR LIFE INSURANCETM

INTERACTIVE ADVISOR LIFE INSURANCETM is a REVOLUTIONARY, NEW and UNIQUE type of life insurance policy. It provides a flexible death benefit that can be adjusted UP or DOWN based on our proprietary capital needs analysis, which measures all of a client's capital accounts (not just the cash value) that can offset the "need" on a year by year ongoing basis. The cash value can be "linked" to a client's investment account and used as an alternative to bonds in their asset allocation. Also, there is no surrender charge on the cash value, which provides a client 100% liquidity.

Interactive Advisor Life InsuranceTM provides exceptional value to the client AND superior value to the advisor, who receives a fee for the analysis of the need, compensation on the cost of pure insurance and an asset-based fee on the cash value throughout the life of the policy.

LONG TERM CARE INSURANCE

Your clients count on you to help them make important financial decisions, but have you ever spoken to them about long term care?

Thanks to advances in healthcare and healthier lifestyles, people are living longer. Unfortunately, the longer someone lives, the more likely it may be that they could have health problems that may require long term care services.

Someone Who CARESTM has partnered with the leading national long term care company that will provide you with everything you need to fulfill this crucial portion of your client's Personal Values PlanTM.

DISABILITY INSURANCE

During the course of someone's career, they are 3.5 times more likely to be injured and need disability coverage than die and need life insurance (Health Insurance Association of America 2001).

Someone Who CARESTM is your source for everything that pertains to disability insurance. They have a strategic partnership with a national firm specializing exclusively in disability insurance.

From the initial proposal to the policy issue, from answers to basic questions to advanced case design, they have the expertise and are available to assist you with a complete portfolio of disability products.

TRADITIONAL INSURANCE PRODUCTS

Someone Who CARESTM is constantly striving to improve the risk management insurance solutions that it provides. However, in some situations a "traditional" policy may be the best solution.

For instances such as this, Someone Who CARESTM has developed relationships through UniFinancial and its affiliated companies to have available the appropriate policy to fill your specific needs.

MORTGAGES

ONLINE DOCUMENT STORAGE

This new and important service helps clients organize all of their important documents and makes them easy to get to and available anywhere and anytime. Our Online Document Storage makes it easy, safe, and secure to store all your important documents - wills, deeds, stocks, emergency contact, health history information and more - on secured servers accessible from anywhere in the world.

Imagine the peace of mind you'll have when you go on vacation or business trip knowing that you have access to all of your important information with the click of a mouse.

IDENTITY THEFT PROTECTION

From "ghosting" where thieves steal a dead person's name and social security identity to credit card fraud, Americans (both dead and alive) are being taken for billions of dollars every year. We provide a helpful resource to protect yourself and your family from this growing crisis.

We have partnered with LifeLock Identity Protection services to bring you one of the best ID protection programs available.