Growth with Income:

This strategy is for the aggressive growth investor looking to benefit from a rise in the stock market. There is no number of funds and/or securities to be used at any given time. At any given time, the equity allocation can be domestic or both international and domestic. The percentage of equity allocation can vary at times depending on market circumstances. The equity allocation will be a passive strategy; however, in certain circumstances the equity portion of this portfolio may be allocated to bond and/or money markets. The bond fund allocation will be actively managed and the money market allocation will consist of all money not invested in bond funds. This portfolio will experience drops in account value at times.

Balanced:

This strategy is for the moderate-aggressive investor. The portfolio will be exposed to roughly half equity and half fixed income and/or securities. The equity allocation will be a passive strategy; however, in certain circumstances the equity portion of this portfolio may be allocated to bond and or money markets. The bond fund allocation will be actively managed. The portfolio of bonds could be any blend of high yield and/or high quality bond funds and/or any type of debt fund or security with any average maturity level. This portfolio will experience drops in account value at times.

Income with Growth:

This strategy is for the moderate investor seeking income as a primary objective and some capital appreciation as a secondary objective. The equity allocation will be a passive strategy; however, in certain circumstances the equity portion of this portfolio may be allocated to bond and or money markets. The bond fund allocation will be actively managed. The portfolio of bonds could be any blend of high yield and/or high quality bond funds and/or any type of debt fund or security with any average maturity level. This portfolio will experience drops in account value at times.

Managed Income:

This strategy is for the conservative investor looking to participate in, yet limit exposure to, bond funds and money market instruments. This strategy seeks to take advantage of trends in the high yield bond market. At any given time, the portfolio of bonds funds could be any blend of high yield and/or high quality bond funds, with any average maturity level. Blue Point uses a broad range of market data and analysis to choose the sector that Blue Point believes will perform best in current market environment. This strategy is actively managed. This portfolio will experience drops in account value at times.

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