Risk Alignment (95% Historical 6-Month Range)

This portfolio has an adjusted Risk Number of 25 — this means over the next 6 months there is a 95% probability that the portfolio returns will range from -4.0% to 24.2%

Hypothetical Performance vs. Benchmark (S&P 500 Index)

Over a 20-year period, the average annual return or Compound Annual Growth Rate (CAGR) would have been 21% — beating its benchmark by 11.6% each year.

Annual Dividend: ~5.25%

Who’s It For?

Investors with a lower risk tolerance and aversion to volatility. Typically double-digit returns are not realistic for these types of investors; however the application of Dual Defense strategies and technology allows for a lower stress growth journey.

What’s In It?

Composed of carefully chosen bond funds; quality, value, and defensive funds; and broadly diversified dividend and sector leaders; EZ-RO index holdings provides growth exposure to trend leaders and sectors while adapting to inversely correlated investments during negative market cycles.

Recommended Account Types

Qualified (IRAs, Solo-K, SEP)

Risk Alignment (95% Historical 6-Month Range)

This portfolio has an adjusted Risk Number of 29 — this means over the next 6 months there is a 95% probability that the portfolio returns will range from -5.2% to 27.2%

Hypothetical Performance vs. Benchmark (S&P 500 Index)

Over a 20-year period, the average annual return or Compound Annual Growth Rate (CAGR) would have been 23% — beating its benchmark by 12.4% each year.

Annual Dividend: ~5.17%

Who’s It For?

Moderate risk investors seeking market-beating potential while minimizing trading frequency and realized capital gains.

What’s In It?

This Tax Aware Portfolio seeks growth opportunities owning the adaptive EZRO ETF rather than individual EZ-RO Index holdings to reduce tactical trading needs. Composed of adaptive momentum leaders in various sector and sub-sector equity funds. It is supplemented with hedged equity ETFs and a core of low volatility funds designed to be held for long-term appreciation and consistent dividend growth (reinvested by default).

Recommended Account Types

Nonqualified / Taxable (Individual, JTWROS)

Risk Alignment (95% Historical 6-Month Range)

This portfolio has an adjusted Risk Number of 33 — this means over the next 6 months there is a 95% probability that the portfolio returns will range from -6.8% to 33.5%

Hypothetical Performance vs. Benchmark (S&P 500 Index)

Over a 20-year period, the average annual return or Compound Annual Growth Rate (CAGR) would have been 26.4% — beating its benchmark by 15.8% each year.

Annual Dividend: ~9.31%

Who’s It For?

Moderate risk investors seeking market-beating potential and total returns from a combination of capital appreciation and dividends.

What’s In It?

50% allocation to the EZ-RO Index for diversification across sectors and momentum leaders; remaining 50% or portfolio is a core of high-yield, covered-call ETFs that distribute attractive monthly yield that can help supplement income requirements or be reinvested to enhance total returns.

Recommended Account Types

Qualified (IRAs, Solo-Ks, SEP)

Risk Alignment (95% Historical 6-Month Range)

This portfolio has an adjusted Risk Number of 52 — this means over the next 6 months there is a 95% probability that the portfolio returns will range from -13.0% to 47.6%

Annual Divdend: ~1.99%

Hypothetical Performance vs. Benchmark (S&P 500 Index)

Over a 20-year period, the average annual return or Compound Annual Growth Rate (CAGR) would have been 37.5% — beating its benchmark by 26.9% each year.

Who’s It For?

Growth-oriented investors with a 5+ year investment time horizon. Dual Defense technology enhances returns by owning momentum leaders in bull markets and defensive bear market strategies during prolonged downturns.

What’s In It?

Composed of carefully chosen individual stocks that have been identified as momentum leaders in their respective sectors; also includes other factors, themes and styles for broad based and global growth potential with exposure to alternative opportunities as well.

Recommended Account Types

Qualified (IRAs, Solo-Ks, SEP)

Risk Alignment (95% Historical 6-Month Range)

This portfolio has an adjusted Risk Number of 50 — this means over the next 6 months there is a 95% probability that the portfolio returns will range from -9.56% to 16.60%

Hypothetical Performance vs. Benchmark (US Aggregate Bond Index)

Over a 20-year period, the average annual return or Compound Annual Growth Rate (CAGR) would have been 13.3% — beating its benchmark by 11.1% each year.

Who’s It For?

Investors seeking consistent monthly income in the form of dividend distributions. Current annualized dividend yield is 15.19%.

What’s In It?

High-yield, covered-call ETFs; these securities use derivatives (sell call options contracts) to generate income and also have the potential to appreciate in value by simultaneously owning broad-based indexes.

Recommended Account Types

1. Qualified (IRAs, Solo-Ks, SEP)

2. *Nonqualified / Taxable (Individual, JTWROS)

*consult tax professional to understand taxable impacts from monthly distributions. Dividends are taxable income, even if reinvested.

Risk Alignment (95% Historical 6-Month Range)

This portfolio has an adjusted Risk Number of 59 — this means over the next 6 months there is a 95% probability that the portfolio returns will range from -12.12% to 21.81%

Who’s It For?

Investors who prefer a “buy and hold” approach and believe that total returns, especially from undervalued dividend-paying companies, can potentially represent an opportunity to outperform broader markets. Current annualized dividend yield is 3.21%.

What’s In It?

The Dogs of the Dow is a simple, high-yield investment strategy involving purchasing the ten Dow Jones Industrial Average (DJIA) companies with the highest dividend yields at the start of each year. It is a contrarian, value-oriented approach aimed at outperforming the market through capital appreciation and high income.

Recommended Account Types

1. Qualified (IRAs, Solo-Ks, SEP)

2. *Nonqualified / Taxable (Individual, JTWROS)

*consult tax professional to understand taxable impacts from monthly distributions. Dividends are taxable income, even if reinvested.