Disclosures

NOT FDIC INSURED – MAY LOSE VALUE – NO BANK GUARANTEE

There is no guarantee of results or increase of income or reductions of risk volatility.  All investments carry risk, include potential for total loss of principle.  Actual results will vary, and are based partly on individual circumstances.  

This information is for the use of clients and potential clients of South Pointe Advisors “SPA”. It is not to be used by any other investment advisor or investment professional as an information/marketing materials source, asset allocator, risk tolerance assessment, or for any other purpose. Reproduction or editing by any means, mechanical or electronic, in whole or in part, without express written permission is strictly prohibited. 

South Pointe Advisors provides asset management services under a wrap fee  program as a Registered Investment Advisory firm. SPA only transacts business in states where it is properly registered or excluded or exempted from registration requirements. SPA is neither a law firm nor a certified public accounting firm and no portion of information provided should be construed as legal or accounting advice.

Information and materials, whether stock quotes, charts, articles, or any other statements regarding market or client performance or other financial information is obtained from sources which the firm and its suppliers believe reliable, but the firm does not warrant or guarantee the timeliness or accuracy of this information. Neither SPA, nor its suppliers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user.

Past performance, or back tested performance, is not indicative of future results. No investment is risk-free. Therefore, different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by SPA), or any non-investment related content, made reference to directly or indirectly will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this presentation serves as the receipt of, or as a substitute for, personalized investment advice from SPA or your advisor. Please remember to contact your advisor, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

Securities may distribute taxable dividends and capital gains to investors. Taxes on such items can affect the returns realized from such investment. Income received from certain investments may be subject to the Alternative Minimum Tax (AMT). Please consult with your tax advisor before making any investment and consider the effect that taxes may have on returns. Rebalancing assets in a portfolio can have tax consequences. Selling assets in a taxable account may result in a taxable gain.

With respect to the models referenced herein, as with any investment philosophy, there is possibility of profitability as well as loss. Diversification seeks to improve performance by spreading investment dollars into various asset classes to add balance to a portfolio. In addition, stop-loss strategies seek to limit losses by selling after a certain level of decline. Using these methods, however, does not guarantee a profit or protection from loss in a declining market. SPA does not guarantee performance for any investment recommendation. Investors should consider investment objectives, risks, charges, and expenses before investing.

The asset allocation back-testing tool uses asset class return data to back-test simulated portfolio returns. The asset allocation back-testing tool calculates portfolio returns (end balance, CAGR, IRR), risk characteristics (standard deviation, Sharpe ratio, Sortino ratio, maximum drawdown), and rolling returns based on monthly data. The risk-free rate is based on historical 1-month treasury bill return data from Professor Kenneth French's data library. Inflation adjusted returns, withdrawals and contributions are based on the CPI-U data from the Bureau of Labor and Statistics. Internal rate of return (IRR) is shown for portfolios with periodic withdrawals or contributions. By default the simulated portfolio is rebalanced monthly. Besides monthly rebalancing the rebalancing period can also be set to quarterly, semi-annual or annual. Backtested performance information is intended to demonstrate how an investment strategy may have performed if the strategy had existed or had been applied at the applicable time. Since backtested performance is calculated after the applicable period, investment decisions may have been optimized through hindsight, rather than based on a forward-looking application of stated investment methods or criteria and with investment decisions made in real time and with actual financial risk.