The information presented is from sources Comprehensive Wealth Management believes to be reliable; however, we cannot guarantee or represent that it is accurate or complete, and we will not update the content as circumstances and our associated views change. We provided investment advice only to our clients and only in accordance with the terms of our advisory agreement. Instead, the content is educational and offered to provide insight into our investment approach and thinking. This is not a solicitation or an offer to buy any security or investment or to participate in any trading strategy.
American Century and its affiliated companies are not affiliated with CWM. American Century provided the speaker at no cost to us. Because we use American Century products with our clients where appropriate, we have a conflict of interest in accepting financial support from them. We select investment products based on our assessment of investment opportunity, not on the marketing support the sponsor will provide.
Direct Indexing: This information is general in nature and is not intended as tax advice. You should consult a tax professional as to how this applies to an individual tax situation. Nothing contained herein is intended to constitute accounting, legal, tax, security or investment advice, nor an opinion regarding the appropriateness of any investment, or solicitation of any type. Not all clients will benefit from Direct Indexing, and some may find that pooled products such as mutual funds and ETFs meet their needs. The Direct Indexing models we recommend have a $200,000 minimum per account. There is a service fee that is charged by the sub-advisor on a quarterly basis in arrears. These sub-advisor fees will be passed on to clients and will be charged in addition to the FIRM fees. CWM’s fees are disclosed in Part 2A of its Form ADV.
The market indexes discussed are unmanaged and generally considered representative of their respective markets. Individuals cannot directly invest in unmanaged indexes. Past performance does not guarantee future results. The return and principal value of investments will fluctuate as market conditions changed. When sold, investments may be worth more or less than their original cost.
The Performance Targeting System (PTS)™ is an exclusive investment strategy developed by the investment professionals at Comprehensive Wealth Management, LLC. The PTS is based around the idea that portfolios with stable annualized gains, and smaller drawdowns, are preferable to comparable models that try to maximize yearly returns with occasional but significant losses. Utilizing a variety of metrics, the PTS modeling process indicates the ratio of risk versus Safe Assets a portfolio should maintain in order to help maximize long-term returns (five years or more). Risk assets are targeted to perform better in years with rising equity markets, and Safe Assets are targeted to perform better in years with falling equity markets. This process potentially allows for overvalued assets to be sold ahead of significant market corrections and undervalued assets to be potentially purchased prior to significant rallies. By working to anticipate the longer-term multi-year market move, the goal of PTS models is to help obtain higher than average benchmark returns with less volatility. No system or strategy can by itself be used to consistently determine which securities to buy or sell or when to buy or sell them. The PTS system was developed using historical data that might not be indicative of future events.
This information has been prepared for informational purposes only and is not a solicitation or an offer to buy an security or investment or to participate in any trading strategy. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice as individual situations will vary. For specific advice about your situation, please consult with a financial professional. Past performance is no guarantee of future results.
