This document discusses Equilibrium Wealth Management's investment philosophy and approach. It emphasizes balancing return, risk, and capital preservation. It highlights the firm's experienced team and strategic partnerships with LPL Financial and HighPoint Advisor Group. The investment strategy focuses on asset allocation, including non-traditional investments, to reduce risk and increase returns for clients based on their individual tolerance for risk.

1. balancing return, risk and capital preservation
An Introduction to
Equilibrium Wealth Management, LLC
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2. Past performance is not indicative of future results.
Risk disclosure
The information presented is not intended to and shall not in any way constitute an invitation to invest in
any particular product or security. It is solely for information purposes. The information in this document
does not constitute accounting, tax, regulatory or legal advice. Individuals with questions in those areas
should seek the advice of a qualified attorney, accountant, and/or tax expert.
Past results are no guarantee of future performance. No representation is made that any returns indicated
herein will actually be achieved.
Securities offered through LPL Financial, member FINRA/SIPC.
Investment advice offered through HighPoint Advisor Group, a registered investment advisor. Equilibrium
Wealth Management, LLC and HighPoint Advisor Group are separate entities from LPL Financial.
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3. Past performance is not indicative of future results.
Agenda
Equilibrium Wealth Management, LLC
 Our Experience, our Beliefs and our Client Focus
The Strength Behind our Team
 A strategic Alliance with LPL Financial
 Investment Advisory Services offered through HighPoint Advisor Group
Our Investment Approach
 Our Philosophy
 A Look at our Investment Objectives
 The Importance of Asset Allocation
Return, Risk and Capital Preservation
Summary
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4. Past performance is not indicative of future results.
Equilibrium Wealth Management, LLC
Equilibrium Wealth Management, LLC
 Alan F. Delcorse - President
 Over 30 years of industry experience
 20 years of in-depth experience in non-traditional investing
 Has consulted for a variety of institutional and HNW clients
 Member of HighPoint Advisor Group’s Investment Committee
 Investments based upon our strong belief that there needs to be a balance between return,
risk and capital preservation
 Dedicated to wealth management strategies for retirement planning, asset protection
strategies and risk-based investment portfolios
 Serving retirees, near-retirees, privately-held companies, professional practices and
corporate executives
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5. Past performance is not indicative of future results.
Our Team at Equilibrium Wealth Management, LLC.
Alan F. Delcorse – President
Alan has over 30 years of investment industry experience and in various roles with leading
investment firms has managed investments or consulted for a variety of institutional clients
and high net-worth individuals. He has trained hundreds of other financial advisors in the use
of non-traditional and alternative investments to create more “intelligent” portfolios.
Alan’s expertise in alternative investments was shaped over the past 20 years and came from
his roles at world-class firms like Calamos Investments and Man Investments-London. His
investment philosophy is reflected in his firm belief that there needs to be a balance between
return, risk and capital preservation and that it is imperative that each client’s portfolios
match that client’s tolerance for risk.
Alan is a member of the Investment Management Consultants Association and is a graduate
of Northern Illinois University. Alan lives with his wife Debra in the Stonebridge community
and they have three grown children. He enjoys his golf and has a strong passion for the
quality of family life.
Dina R. Weiss - Director of Compliance and Operations
Dina began her career in the financial services industry in 2005. She provides Equilibrium
Wealth Management, LLC. with compliance oversight and monitoring. She embraces a
disciplined approach to, and knowledge of, the rules and regulations of our industry and
provides Equilibrium with exceptional support that allows other team-members to focus
more time on investments and planning.
Dina is a certified holistic nutrition consultant who routinely lectures on healthy living and is
a graduate of Northern Illinois University. Dina resides in DeKalb with her two daughters and
is an avid lover of the outdoors.
Dory A. Rodriguez - CERTIFIED FINANCIAL PLANNER™
Dory provides individuals, families and business owners with customized financial planning,
investment management, and insurance strategies aligned specifically with their unique set
of circumstances and goals.
After earning a BA degree in Russian Language and Literature from Colorado College, and
spending six years living and working in Moscow, Russia, Dory returned to the states and
began establishing a foothold in the financial community in 2001. She spent twelve years as a
financial planner with GCG Financial and is now registered with LPL Financial as a fee-for-
service Investment Advisor Representative.
Dory and her husband enjoy dancing and fine dining, as well as spending as much time as
possible with their young children.
Peter J. Lesnik - Private Wealth Advisor
Peter began his career in the financial industry in 2004 at Northwestern Mutual Financial
Network with a firm commitment to the understanding that the basic principles of financial
planning begins in areas that protect and build a foundation for success. From there, he then
spent seven years with JPMorgan Wealth Management working directly with clients on the
relationships between budgeting and setting goals towards financial independence.
Peter has helped support that need by volunteering time to Financial Peace University, a
program at his local church in St. Charles. He holds FINRA Series 6, 7, 63, and 65 Registrations
through LPL Financial, and in keeping his dedication towards ongoing education, he is
working towards his CFP® certification as well.
Alena I. Gifford - Registered Client Service Associate
Alena began her career in the financial services industry in 2012 during the completion of her
degree at the University of Illinois at Chicago (UIC). Alena received a Bachelor of Science in
Finance from the College of Business Administration. Alena spent 2 years working at The
Chicago Board of Trade building as an intern at Uhlmann Price Securities, LLC. and as a part-
time sales assistant.
Alena is now Head of Client Services at Equilibrium Wealth Management, LLC. and holds
FINRA Series 6 and 63 Registrations through LPL Financial. During her free time, she enjoys
playing tennis, reading, traveling and social media.
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6. Past performance is not indicative of future results.
The strength behind our team
-our strategic partners
LPL Financial - Custodian and Provider of Independent Advisor Support
As of June 30th, 2015 Source: corporate snapshot on LPL.com
 Advisory and Brokerage Assets of $485.7 Billion
 Servicing 4.6 Million Funded accounts
 Servicing 14,130 Financial Advisors
 Support provided by 3,385 employees
HighPoint Advisor Group - a Registered Investment Advisor
 Provides investment advisory services to EWM
 Over 50 advisors in more than 16 locations
 Nearly $2.0 Billion of assets under advisement
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7. Past performance is not indicative of future results.
Our Investment Philosophy
Our Investment Philosophy has Developed over the Past 30 years of
Experience:
 An Institutional Approach to Asset Allocation
 A deep understanding of the benefits and risks of non-correlating
investments
 Financial Strategies Based on our Client’s Individual tolerance for risk
 There has to be a match in investment philosophies between our firm
and each individual client
 An Unconstrained use of the Full Menu of Investment Choices
 “Utilizing the full bag of clubs,” Alan Delcorse
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8. Past performance is not indicative of future results.
Investment Objectives-
While results cannot be guaranteed, our approach seeks to:
 Provide value-added portfolio characteristics and return
advantages to comparable traditional portfolios
 Utilize investments that have historically provided capital
preservation potential
 Employ non-correlating investments which historically have
increased a portfolio’s return while decreasing volatility
“Introducing non-correlating investments into a traditional portfolio of stocks,
bonds and cash can reduce volatility and increase returns”
Benefits of Commodity Investment 2005
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9. Past performance is not indicative of future results.
Our investment approach to asset allocation
Objective:
 Utilize core investments as
the foundation and add in
the unique benefits of
“defensive growth” and non-
traditional investments
“Asset allocation makes up 91.5% of an investor’s variance of portfolio returns”
-Financial Analysts Journal May/June 1991
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Investing involves risk including the potential loss of principal. No strategy can assure success or protects against loss.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.
Diversification does not protect against market risk.
Asset allocation does not ensure a profit or protect against a loss.
Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise
and bonds are subject to availability and change in price.

10. Past performance is not indicative of future results.
Why a Focus on Capital Preservation-
a discussion about the loss of principal
What does it take to get back in the black?
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If your investment declines
…
To get back to break-even,
you’ll need a gain of …
-10% 11.1%
-20% 25.0%
-30% 42.9%
-40% 66.7%
-50% 100.0%

11. Past performance is not indicative of future results.
The results of our investment process- Create portfolios
with each client’s risk tolerance and financial objectives in mind
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 Risk Questionnaire
 Return Objectives
 Risk Tolerance
 Capital Preservation
Lifestyle
Risk
Conservative
Progressive
Growth
Return
Aggressive

12. Past performance is not indicative of future results.
EWM Strategies: Solutions to meet your investment
objectives and tolerance for risk
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13. Past performance is not indicative of future results.
Summary
Our value proposition
 Our years of experience and the strength behind our team
 Dedicated client-focused approach- Stewardship
 A balance between return, risk and capital preservation
 Strategies that match your personal tolerance for risk
Our services
 Comprehensive investment management strategies
 CPA and Attorney referral program
 Insurance and annuity solutions for capital preservation
 Tax minimization programs for business owners, private practices, etc.
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14. Past performance is not indicative of future results.
Equilibrium Wealth Management, LLC -
a balance between return, risk and capital preservation
We offer a free consultation to:
 Review your risk profile questionnaire
 A comprehensive review of your current
investment portfolios
 Determine whether your current
retirement plan will meet your lifestyle
objectives
Also a free review of your current 401(k)
selections:
 Does your asset allocation match your
tolerance for risk?
 Do your investment choices match your
time horizon until retirement?
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Alan Delcorse, President
adelcorse@EWMWealth.com
www.equilibriumwealthmanagement.com
Office-direct: 331-214-9217
Toll Free: 888-879-8185 x 217
Mobile: 630-215-3319
2001 Butterfield Road, Suite 1000
Downers Grove, IL 60515
FAX: 331-214-9238

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Equilibrium Wealth Management, LLC
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