- The document provides an investment strategy recommendation from Brinker Capital, Inc. to a valued client.
- It recommends an Aggressive Equity - Qualified Asset Allocation Strategy that seeks to maximize long-term capital appreciation through a portfolio emphasizing equity, especially large-cap domestic and international stocks, with smaller allocations to other asset classes like real assets, absolute return strategies, and private equity.
- Historical performance shows the recommended strategy outperformed a blended benchmark of broad market indices over various periods since inception, though past performance is not a guarantee of future results.
If your company needs to submit a Wealth Management Advisory Services Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/37gnhEr
Introduction to Wealth Management Industry by Miles SoftwareMiles_Software123
This presentation will help you understand the basics of the wealth management industry touching upon the following areas:
What is Wealth Management?
Why there is a need for Wealth Management?
How did Wealth Management Evolve?
Wealth Planning Process
Investment Avenues
Asset Allocation
What is Asset Management?
What is a Fund Management?
How to become a successful Wealth Manager?
How winning the Battle for the Wealthy Investor, a new Cisco IBSG Study Uncovers Significant Opportunity To Address Needs of Wealthy Under-50 Investors
If your company needs to submit a Wealth Management Advisory Services Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/37gnhEr
Introduction to Wealth Management Industry by Miles SoftwareMiles_Software123
This presentation will help you understand the basics of the wealth management industry touching upon the following areas:
What is Wealth Management?
Why there is a need for Wealth Management?
How did Wealth Management Evolve?
Wealth Planning Process
Investment Avenues
Asset Allocation
What is Asset Management?
What is a Fund Management?
How to become a successful Wealth Manager?
How winning the Battle for the Wealthy Investor, a new Cisco IBSG Study Uncovers Significant Opportunity To Address Needs of Wealthy Under-50 Investors
The Importance of proper Financial Planning. Navigating the financial world is a minefield, make sure you know what steps you need to take to ensure you don't lose money.
An easy to understand guide to investing in securities like stocks, bonds and mutual funds for your financial future. This is material taken from chapter two of my book, "Figuring Out Wall Street".
Managing A Hedge Fund: Marketing To Investors & Raising CapitalTyra Jeffries
Start Marketing Your Hedge Fund To Investors and Raising Capital with these tips and tricks. Begin to create a sophisticated Investor Relations program today!
the choice of financial professionals
Print
Digital
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Creative
Marketing
Personalised Client Marketing Factsheets
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Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
If your company needs to submit a Investment Advisory PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2UCGDB8
If your company needs to submit a Investment Advice Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/39mhbnB
Ashton Global Direct Lending
Ashton Global provides businesses with secured term loans for growth
Ashton Global can finance mezzanine and sale-leaseback transactions
Investing makes it possible for many of us to achieve important lifetime goals, such as retirement. That’s why we employ an investment approach based on almost nine decades of data, analysis and research, insights from behavioral finance and close relationships with leading academics. There are four key concepts which play a vital role in the construction and management of our portfolios. Together, they add up to a distinctive long-term, approach we call Asset Class, or evidence-based, Investing
If your company needs to submit a Financial Advisory Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2HwkAEs
If your company needs to submit a Wealth Advisory Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2SeQewq
The Importance of proper Financial Planning. Navigating the financial world is a minefield, make sure you know what steps you need to take to ensure you don't lose money.
An easy to understand guide to investing in securities like stocks, bonds and mutual funds for your financial future. This is material taken from chapter two of my book, "Figuring Out Wall Street".
Managing A Hedge Fund: Marketing To Investors & Raising CapitalTyra Jeffries
Start Marketing Your Hedge Fund To Investors and Raising Capital with these tips and tricks. Begin to create a sophisticated Investor Relations program today!
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
If your company needs to submit a Investment Advisory PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2UCGDB8
If your company needs to submit a Investment Advice Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/39mhbnB
Ashton Global Direct Lending
Ashton Global provides businesses with secured term loans for growth
Ashton Global can finance mezzanine and sale-leaseback transactions
Investing makes it possible for many of us to achieve important lifetime goals, such as retirement. That’s why we employ an investment approach based on almost nine decades of data, analysis and research, insights from behavioral finance and close relationships with leading academics. There are four key concepts which play a vital role in the construction and management of our portfolios. Together, they add up to a distinctive long-term, approach we call Asset Class, or evidence-based, Investing
If your company needs to submit a Financial Advisory Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2HwkAEs
If your company needs to submit a Wealth Advisory Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2SeQewq
Building wealth and protecting legacies for families, businesses, and those most important to them.
To learn more please visit our website: http://mfg.nm.com/
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
1. 184195
Brinker Capital, Inc., a Registered Investment Advisor
INVESTMENT STRATEGY
RECOMMENDATION
A PROPOSAL TO:
Valued Client
Presented by:
Mr. Donald T McNeill, Jr., ChFC
June 17, 2013
This presentation is intended for one-on-one presentations with a financial advisor present.
2. 184195
Brinker Capital, Inc., a Registered Investment Advisor 2
WELCOME
Your investments are so much more than funds and shares, dollars and cents. They’re both plan and protection.
Lifestyle and legacy. As an independent investment management firm, Brinker Capital has been serving clients like you since 1987.
In that time, we’ve learned one thing that informs everything we do: It’s not just your assets you are investing. It’s your future.
Thank you for the opportunity to provide you with investment recommendations. Based on responses to questions in your
confidential Investment Strategy Questionnaire, we have prepared these recommendations specifically for the management of your
assets and to meet your investment objectives. Should you have any questions regarding the information in this document, please
contact:
Mr. Donald T McNeill, Jr.
Phone: (706) 361-0183
dmcneilljr@forestersequity.com
PO Box 1839
Thomson, GA 30824
Foresters Equity Services, Inc.
McNeill Financial Services, LLC
.
3. 184195
Brinker Capital, Inc., a Registered Investment Advisor 3
Your Investment Team
Collaboration is a large part of how we work at Brinker Capital — and has
been since we were founded in 1987. Any time you need something, or
you have a question or concern, you have access to a dedicated team of
professionals, including:
Your financial advisor
After discussing your personal financial situation, Donald will work with your team of
professionals to help you meet your investment goals. Donald will help define your investment
objectives and then discuss the appropriate information with Brinker Capital to develop your
investment strategy recommendation. Your advisor will meet with you to discuss your
investment strategy as well as assist you with meeting your asset and cash flow needs. Your
advisor will also be available to communicate with you on an ongoing basis regarding the
investment process and your goals. When your investment objectives and personal
circumstances change, Donald will coordinate with Brinker Capital to make the necessary
adjustments to your investment strategy.
Brinker Capital
Brinker Capital is an investment management firm focused on being the best partner to your
advisor, and therefore, to you. Just as your advisor is your trusted source to help you with
financial decisions, we are that source for your advisor.
Asset Managers
Your asset managers focus on day-to-day investment decisions and are responsible for selecting
a portfolio of securities based on their specific investment discipline. They strive to add value
by generating returns appropriate to their style of investing.
Valued Client
4. 184195
Brinker Capital, Inc., a Registered Investment Advisor 4
Getting to Know You
To understand your investment objectives, we need to
understand you. Your advisor will describe your goals,
risk tolerance, time horizon, tax concerns, and income
needs, so we can get a thorough sense of how to help you.
Understanding Your Goals
Analyze Asset
Management
Firms
We investigate the
consistency of
performance, their
investment process,
the quality of their
associates and
their business
process.
Your Solution
Once we know your
objectives, we’ll look
at different ways to
allocate assets to produce
the results you are seeking.
We Allocate Your Portfolio
We don’t give a one-size-fits-all
answer. Instead, we invest in a
broad mix of asset classes that
best serve your needs.
Monitor and
Review
When appropriate,
we will reallocate your
portfolio for changes in
the market, asset
managers or in your
investment objectives.
Communication
You and your
advisor will always
know what’s
happening in your
portfolio through
account updates
and monthly and
quarterly reports.
5. 184195
Brinker Capital, Inc., a Registered Investment Advisor 5
Making Disciplined Decisions
The way we construct portfolios, the asset managers we select, the products we offer—they're all based on four core
principles. These approaches comprise our perspective on how to invest successfully in a way that builds both wealth and
relationships.
Diversification - Our portfolios span six asset classes, including
both traditional strategies—domestic equity, international equity, and fixed
income—and alternatives, including absolute return, real assets, and
private equity. We ensure our clients have access to products and
strategies typically only available to large, institutional investors.
Innovation - We continually look for ways to innovate,
drawing on our extensive experience to find better investment
strategies for the long term. This combination of curiosity and
flexibility means that you have a ready source for new ideas and
smart solutions.
Independent Analysis - At Brinker Capital, we form
our own independent perspective on everything we
recommend. When we’re putting together a portfolio, we
start by analyzing strategy options based on expected
returns, historic returns, and market volatility. Armed with
our in-depth research, we can make informed, strategic
decisions about how to allocate assets.
Hands-On Management - We carefully
evaluate every asset manager and strategy we
recommend to make sure they meet our standards
for performance and integrity. We also continue
to monitor and reallocate portfolios to take
advantage of market opportunities.
6. 184195
Brinker Capital, Inc., a Registered Investment Advisor 6
Domestic Equity Domestic Equity Domestic Equity Domestic Equity Domestic Equity Domestic Equity
International Equity International Equity International Equity International Equity International Equity
Fixed Income Fixed Income Fixed Income Fixed Income
Absolute Return Absolute Return Absolute Return
Real Assets Real Assets
Private Equity
We also offer a wide range of portfolios to serve the various needs of different investors, from the most conservative to the most
aggressive strategy, from mutual funds to absolute return vehicles.
This broad diversification translates into broader opportunities. It means that investors like you have access to products and strategies that
aren’t generally available to individual investors. It means you may see reduced risk and increased returns over the long term. It means
that both your money and your confidence are well placed.
Source: Brinker Capital, Inc.
There is more than one way to be successful in investing. In fact, there are at least six.
We help protect and build wealth through a broadly diversified approach, using a strategy typically employed by
endowments seeking to grow their investments over the long term.
LESS DIVERSIFICATION MORE DIVERSIFICATION
7. 184195
Brinker Capital, Inc., a Registered Investment Advisor 7
Diversification
Because we understand that different
investments perform well at different
times, we invest in six asset classes,
rather than the traditional three, as well as
a number of sub-asset classes. This
strategy of broad diversification gives
you more opportunities to grow your
investments and less exposure to
risk — no matter which way the market is
moving.
Source: FactSet and Brinker Capital, Inc.
8. 184195
Brinker Capital, Inc., a Registered Investment Advisor 8
Source: Factset, Red Rocks Capital
YTD returns as of 12/31/11
The Growth of $1M chart is for illustration purposes only. No representation that the results represent investment performance of actual client accounts is intended. The chart is intended to demonstrate the
impact on a traditional portfolio of diversification through the inclusion of additional asset classes over a long-term investment horizon. The table discloses the time periods during which each asset class, as
represented by the market index listed, was included or removed from the chart as more representative market indexes became available, as well as the weighting of each asset class, during the period. When
index data for certain asset classes was not available, the other asset class weightings were scaled upward. The information depicted in the charts above is derived from this table. For example, the equal
weighted portfolio was 50% U.S. Equity and 50% International Equity from January 1971 through March 1973. In April 1973, the equal weighted portfolio was 33.33% U.S. Equity, 33.33% International Equity
and 33.33% Fixed Income until January 1978, when the next asset class, Real Assets (real estate) was available, and so on. The S&P 500 Index is a market value weighted index with each stock’s weight in the
Index proportionate to its market value. The S&P Index is one of the most widely used benchmarks of U.S. equity performance. Each index is a broad market index representative of its respective asset class
which is utilized by Brinker Capital as a benchmark for measuring the performance of such asset class. Unmanaged indices are for illustrative purposes only. An investor cannot invest directly in an index. Index
performance does not reflect the deduction of fees and changes and does not reflect the reinvestment of dividends. Past performance is no guarantee of future results.
Source: Brinker Capital, FactSet, Cambridge Associates, NCREIF
Additional Diversification Compounds Wealth
9. 184195
Brinker Capital, Inc., a Registered Investment Advisor 9
Finding Balance
Many investors face the dilemma of investing for the needs of today or investing
to meet the needs of tomorrow. If you focus too much on current expenses you
may risk not meeting your future goals.
If too much focus is placed on your future growth it may be difficult to meet your
current expenses. The key is to work closely with your financial advisor to plan
for both current cash flow and growing your assets to meet your goals and
objectives.
Source: Brinker Capital, Inc.
Today Tomorrow
10. 184195
Brinker Capital, Inc., a Registered Investment Advisor 10
Our Key Investment Themes
Macro Uncertainties Remain and Could Provide Global Growth Headwinds
o Favor investments in U.S. companies versus developed international markets.
o Europe has likely entered recession territory and growth in China has slowed
Emerging Markets Bias
o Long-term trend of stronger growth coming from emerging markets compared to developed markets.
o Anticipate the middle class in emerging markets to continue to grow in size and wealth.
Difficult Interest Rate Environment
o Real interest rates are kept artificially low and will remain so for the foreseeable future.
o Some risk is necessary to maintain long-term purchasing power within the fixed income asset class.
o Consideration should be given to investments outside of fixed income that possess attractive yields.
Unique Opportunities
o Continue to search for market anomalies and inefficiencies with the potential for attractive risk adjusted returns.
11. 184195
Brinker Capital, Inc., a Registered Investment Advisor 11
How We Keep You Informed
Quarterly Reports
o Performance Reports
o Risk/Return Analysis
o Cash Flow Summary
Monthly Outlook
Market Review
Reallocation Summary
Online Account Access
Mobile Account Access
What if Times Change?
We understand that with life changes, your time horizon, tolerance for risk, or tax situation may change. At Brinker Capital, we think
stability comes in large part from flexibility. With your advisor, we will adjust your portfolio to your changing circumstances, so that it best
serves your needs and allows you to sustain your lifestyle.
Yet it’s not just your asset allocation we adapt. We also work hard to develop flexible investment strategies. We continually look for ways to
innovate, drawing on our extensive experience to find better strategies for the short and long term. We then incorporate our best ideas into
your portfolio, so that it reflects our most up-to-date thinking and current market conditions.
12. 184195
Brinker Capital, Inc., a Registered Investment Advisor 12
Your Recommended Investment Solution
We strive to create the most appropriate investment strategy based on your responses to our Investment
Strategy Questionnaire and from the input we received from your financial advisor regarding your
investment goals. If answers indicated differences in time horizon and/or risk tolerance, the investment
objective reflects a blend of those responses. Please advise Donald if you believe that your overall
investment objective differs from that derived by Brinker Capital or if you wish to modify any of your
answers to the Questionnaire. Changes to any of your responses could result in Brinker Capital
recommending a different investment strategy and asset allocation.
Your goals, objectives and risk tolerance may change over time. Your financial advisor will help you plan
for all of life’s events, including the unforeseen ones. When you determine a change is needed, Brinker
Capital will adjust your investment strategy upon your instruction.
13. Aggressive Equity Qualified
Valued Client IRA
184195
Brinker Capital, Inc., a Registered Investment Advisor 13
1 Target weightings and holdings reflect the target allocation policy
weightings as of March 31, 2013. These may change prior to
investment and are subject to change at any time. Allocations may
not add to totals due to rounding of asset class and fund allocation
percentages.
2 If you are invested in a Destinations Strategy with the
Personalized Distribution feature your cash weighting will vary from
the illustration provided in the table above.
Weightings
Target1 Range
Domestic Equity 68.99% 55%-81%
Large Cap
Columbia Select 12.40%
Columbia Dividend Opportunity 5.04%
Touchstone Focused Equity 2.49%
T. Rowe Price Growth Stock 11.64%
TCW Dividend Focus 9.51%
Delaware Value 8.64%
Fidelity US Equity Index 8.00%
Mid Cap
RidgeWorth Mid Cap Value 6.00%
Small Cap
ClearBridge Small Cap Growth 3.18%
Aston/River Road Independent
Value
2.10%
International Equity 23.94% 19%-43%
Developed
MFS International Value 6.82%
T. Rowe Price International Stock 5.89%
Emerging Markets
Wasatch Emerging Markets Small
Cap
3.78%
Aberdeen Emerging Markets 2.08%
Micro Cap
Wasatch International Opportunities 3.03%
Frontier Markets
Wasatch Frontier EM Small
Countries Fund
2.34%
Fixed Income 1.16% 0%-5%
Cash2
Cash 1.16%
Weightings
Target1 Range
Real Assets 3.13% 0%-10%
Natural Resources Equity
RS Global Natural Resources 3.13%
Absolute Return 1.47% 0%-20%
Closed-End Funds
RiverNorth Core Opportunity 1.47%
Private Equity 1.30% 0%-10%
Listed Private Equity
Red Rocks Listed Private Equity 1.30%
Objectives
The Aggressive Equity - Qualified Asset
Allocation Strategy seeks to maximize long-term
capital appreciation. Typically the majority of the
portfolio will be allocated to equity, with a smaller
allocation to alternative asset classes. It is
designed for qualified investments. Investors
should realize that the equity emphasis will likely
produce a very high level of volatility.
Portfolio Structure
The portfolio’s allocation will emphasize equity.
The domestic equity allocation has an emphasis
on large cap securities, with smaller allocations to
mid and small cap. A substantial commitment to
international equity will be maintained. A small
allocation will typically be made to alternative
investments such as real assets, absolute return
and private equity.
14. 184195
Brinker Capital, Inc., a Registered Investment Advisor 14
Historical Performance of Recommended Investment Strategy: Destinations
Valued Client IRA
Growth of $100,000
The performance information for the Recommended Investment Strategy presents historical performance of client accounts that were open for the full period and invested according to the Recommended
Investment Strategy. Past performance is no guarantee of future results or trends. The returns are calculated gross (before the deduction) of advisory fees payable to Brinker Capital or other expenses for
services not covered by the advisory fee. These fees and expenses will reduce your return. The Relative Return-Blended Benchmark presents the return produced over the performance period by a blend of
broad market indices that approximates the recommended asset allocation. Figures for the indices reflect the reinvestment of dividends but do not reflect any fees or expenses which would reduce returns.
Indices are unmanaged and an investor cannot invest directly in an index. See the accompanying disclosure statement regarding performance results, benchmarks, the impact of fees and other information
included in the investment strategy recommendation. The standard deviation shown is for the length of time displayed on the Growth of $100,000 Chart.
Calendar Year Gross Performance
YTD 2012 2011 2010 2009 2008 2007 2006 2005 2004
Recommended Investment Strategy 12.33% 15.88% -5.07% 16.04% 34.87% -43.42% 11.26% 16.15% 8.90% 12.90%
S&P 500 15.37% 16.00% 2.11% 15.06% 26.46% -37.00% 5.49% 15.79% 4.91% 10.88%
Russell 2000 16.45% 16.35% -4.18% 26.86% 27.17% -33.79% -1.57% 18.37% 4.55% 18.33%
Citigroup 3-month T-bill 0.03% 0.07% 0.08% 0.13% 0.16% 1.80% 4.74% 4.76% 3.00% 1.24%
Relative Return - Blended Benchmark 12.01% 16.44% -3.36% 15.13% 31.78% -39.00% 7.44% 17.70% 8.19% 13.53%
Gross Annualized Return through May 2013
YTD 1 year 3 years 5 years 7 years 10 years Std. Dev.
Recommended Investment Strategy 12.33% 25.71% 13.93% 2.34% 4.43% 7.55% 16.46%
S&P 500 15.37% 27.28% 16.87% 5.43% 5.88% 7.58% 15.75%
Russell 2000 16.45% 31.07% 15.72% 7.15% 5.99% 9.78% 20.91%
Citigroup 3-month T-bill 0.03% 0.08% 0.09% 0.26% 1.40% 1.64% 0.59%
Relative Return - Blended Benchmark 12.01% 26.89% 14.42% 3.66% 5.06% 8.07% 16.10%
15. 184195
Brinker Capital, Inc., a Registered Investment Advisor 15
Historical Performance of Recommended Investment Strategy: Destinations
Valued Client IRA
Portfolio vs. Benchmark: Annualized Returns
The Portfolio vs. Benchmark: Annualized Return graph plots the annualized returns of the Recommended Investment Strategy, the Absolute Return
Benchmark and Relative Return-Blended Benchmark. The graph also includes the following major market indices - S & P 500, Russell 2000, MSCI
EAFE, Citigroup 3-Month T-Bill & Barclays Aggregate.
Annualized Return
Performance Table
The performance information for the Recommended Investment Strategy presents historical performance of client accounts that were open for the full period and invested according to the Recommended
Investment Strategy. Past performance is no guarantee of future results or trends. The returns are calculated gross (before the deduction) of advisory fees payable to Brinker Capital or other expenses for
services not covered by the advisory fee. These fees and expenses will reduce your return. The Absolute Return Benchmark is CPI-SA +5. The benchmark return is slightly overstated because the CPI is an
annual calculation but the benchmark return reflects monthly compounding.The Relative Return-Blended Benchmark presents the return produced over the performance period by a blend of broad market
indices that approximates the recommended asset allocation. Figures for the indices reflect the reinvestment of dividends but do not reflect any fees or expenses which would reduce returns. Indices are
unmanaged and an investor cannot invest directly in an index. See the accompanying disclosure statement regarding performance results, benchmarks, the impact of fees and other information included in the
investment strategy recommendation.
YTD 1 year 3 years 5 years 7 years 10 years
Recommended Investment Strategy 9.15% 11.90% 10.06% 3.34% 3.71% 8.80%
S&P 500 10.61% 13.96% 12.67% 5.81% 5.01% 8.53%
Russell 2000 12.39% 16.30% 13.45% 8.24% 4.59% 11.52%
MSCI EAFE Index 5.23% 11.79% 5.49% -0.40% 2.10% 10.19%
Citigroup 3-month T-bill 0.02% 0.08% 0.09% 0.31% 1.51% 1.66%
Barclays U.S. Aggregate -0.12% 3.77% 5.52% 5.47% 5.94% 5.02%
Absolute Return Benchmark 1.75% 6.55% 7.35% 6.79% 7.29% 7.47%
Relative Return - Blended Benchmark 8.51% 12.64% 10.37% 4.46% 4.35% 9.22%
16. 184195
Brinker Capital, Inc., a Registered Investment Advisor 16
Recommended Investment Strategy: Destinations
Valued Client IRA
Risk/Return
The Risk/Return graph plots the portfolio’s return (annualized %) against the portfolio’s standard deviation. This chart is a characterization of the risk adjusted return of
the Recommended Investment Strategy as compared to the Relative Return-Blended Benchmark. The graph also includes the following major market indices - S & P
500, MSCI EAFE & Barclays Aggregate. The ideal location on the graph is the upper left-hand quadrant, which means the portfolio had greater returns than the
benchmark with less volatility or risk.
Risk/Return
The performance information for the Recommended Investment Strategy presents historical performance of client accounts that were open for the full period and invested according to the Recommended
Investment Strategy. Past performance is no guarantee of future results or trends. The returns are calculated gross (before the deduction) of advisory fees payable to Brinker Capital or other expenses for
services not covered by the advisory fee. These fees and expenses will reduce your return. The Relative Return-Blended Benchmark presents the return produced over the performance period by a blend of
broad market indices that approximates the recommended asset allocation. Figures for the indices reflect the reinvestment of dividends but do not reflect any fees or expenses which would reduce returns.
Indices are unmanaged and an investor cannot invest directly in an index. See the accompanying disclosure statement regarding performance results, benchmarks, the impact of fees and other information
included in the investment strategy recommendation.
Return: The change in the value of a portfolio over
an evaluation period, including any distributions made
from the portfolio during that period.
Standard Deviation: A statistical measure of volatility
indicates the “risk” associated with a return series.
The lower the number the less volatility.
Sharpe Ratio: The Sharpe Ratio is a measure of
reward per unit of risk. It is a portfolio's excess return
over the risk-free rate divided by the portfolio's
standard deviation. The portfolio's excess return is its
geometric mean return minus the geometric mean
return of the risk-free instrument (by default, T-bills).
The lower the Sharpe Ratio, the less return per unit of
total risk the manager has generated.
Beta vs. Blended Benchmark: Beta represents the
systematic risk of a portfolio and measures its
sensitivity to a benchmark. A portfolio with a beta of
one is considered as risky as the benchmark and
would therefore provide expected returns equal to
those of the market during both up and down periods.
A portfolio with a beta of two would move (both up and
down) approximately twice as much as the
benchmark.
Maximum Drawdown: The maximum loss
(compounded, not annualized) that the manager
incurred during any sub-period. Drawdowns are
calculated on monthly returns.
Return
Standard
Deviation
Sharpe
Ratio
Beta vs.
Blended
Maximum
Drawdown
Recommended Investment Strategy 4.64% 16.46% 0.15 1.01 -54.01%
S&P 500 3.53% 15.75% 0.08 0.96 -50.95%
MSCI EAFE Index 4.34% 17.89% 0.12 1.03 -56.40%
Barclays U.S. Aggregate 5.78% 3.53% 1.00 -0.02 -3.83%
Relative Return - Blended Benchmark 4.23% 16.10% 0.12 1.00 -52.22%
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Brinker Capital, Inc., a Registered Investment Advisor 17
Hypothetical Total Return for Your Recommended Investment Strategy: Destinations
Valued Client IRA
Monte Carlo Simulation
The above projections are forecasted returns and market values for the Recommended Investment Strategy using Brinker Capital’s capital market return assumptions for various major asset classes. Brinker
Capital’s capital market return assumptions are based on the long-term (10 years or longer if available) annualized returns, standard deviations and correlation coefficients of various capital market indices. No
premium or discount to return based on any active portfolio management in the Recommended Investment Strategy was included in the projections. The resulting investment outcomes are hypothetical and do
not reflect actual investment results or the impact of unforeseen events that may affect portfolio returns. No representation that your portfolio will achieve projected performance is intended and future returns
are not guaranteed. In certain years your annual withdrawal may exceed the total return on your portfolio resulting in a loss in principal. The Annual Withdrawal shown above includes a 3.00% increase each
calendar year in order to account for inflation. The performance information reflects the deduction of a 1.00% annual advisory fee but no other expenses for services not covered by the advisory fee. The
advisory fee shown is calculated by applying the proposed annual fee to the 50th percentile projected, inflation-adjusted market value. The actual advisory fee may be more or less than the fee reflected in the
above projection. Any additional fees and expenses will reduce the portfolio and your return. See the accompanying disclosure statement regarding performance results, benchmarks, the impact of fees and
other information included in the investment strategy recommendation.
Portfolio Value Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
10th Percentile $253,371 $291,860 $330,680 $370,576 $410,972 $456,344 $506,557 $561,247 $618,228 $673,614
50th Percentile $215,583 $230,500 $245,901 $263,362 $282,040 $300,692 $320,264 $343,074 $363,199 $388,480
90th Percentile $177,453 $174,895 $176,995 $179,186 $184,327 $189,779 $195,751 $202,428 $209,069 $218,417
Average Flow Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Fees ($2,176) ($2,348) ($2,537) ($2,738) ($2,947) ($3,175) ($3,420) ($3,697) ($3,974) ($4,279)
Recommended Portfolio
10-Year Horizon
Initial Investment $200,000
Average Annualized Return: 8.88%
Standard Deviation: 14.81%
Inflation Rate: 3%
Annual Withdrawal (assumes 3%
inflation):
$0
Annual Fee: 1.00%
10% probability of an ending
value of at least $673,614
25% probability of an ending
value of at least $520,580
50% probability of an ending
value of at least $388,480
75% probability of an ending
value of at least $288,335
90% probability of an ending
value of at least $218,417
Projected Values
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Brinker Capital, Inc., a Registered Investment Advisor 18
Your Program Fees
Based upon this proposal of $200,000.00, the blended fee payable to Brinker Capital for all assets in your Destinations accounts is 1.00% annualized.
This blendedfee will vary based upon total account value (resulting from appreciation, depreciation, liquidations or additional contributions) in
accordance with Brinker Capital’s fee schedule for the Destinations program.
Account Registration Investment Strategy Assets Fee
Valued Client IRA Destinations $200,000.00 1.00%
Your fee covers the following costs associated with your investments:
Compensation to Foresters Equity Services, Inc. and Mr. Donald T McNeill, Jr. for assisting in the development and ongoing monitoring of your
investment strategy
Your investment strategy recommendations
Regular rebalancing of mutual funds in your portfolio consistent with your investment strategy
Customized quarterly reporting, monthly statements and trade confirmations
Access to Brinker Capital Online Services
All ongoing mutual fund due diligence provided by Brinker Capital
Custody of the mutual fund assets in your portfolio
The total annual fee is exclusive of mutual fund expense ratios, which are set forth in the prospectus for each fund. A fund expense ratio represents the
percentage of the fund’s assets that go toward the expense of running the fund. A fund expense ratio reflects the fund’s investment advisory fee,
administrative costs, distribution fees and other operating expenses, which are paid by the fund and reduce the fund’s net asset value.
The fee set forth above is calculated using Brinker Capital’s current fee schedule for the Destinations program. Brinker Capital may change the fee
schedule for any program on 30 days advance written notice to you.
<|PDSFlexFeeDisc|>
Brinker Capital will debit your account at the beginning of each quarter based on the previous quarter’s ending balance. Your initial quarterly fee will be
pro-rated based upon the beginning value of your account and Brinker Capital will debit your account the month following your initial investment.
19. 184195
Brinker Capital, Inc., a Registered Investment Advisor 19
Disclosure Statement
One-on-One Presentation: This report is exclusively for use in one-on-one presentations with sophisticated investors.
Performance Data: All return calculations are in U.S. dollars and are gross of advisory fees payable to Brinker Capital and any other expenses not covered by the
advisory fee (see “Fees” section).
Destinations: The performance returns provided for Destinations are composed of accounts that were open for the full period and are invested in mutual funds
according to the asset allocation policy for the recommended Investment Strategy. Detailed information regarding the Investment Strategy composite is available upon
request. The composite returns are based on actual market values and are weighted accordingly. All calculations reflect the deduction of the respective fund’s internal
management fees and expenses but are gross (before deduction) of advisory fees payable to Brinker Capital, which will reduce an investor’s return. Certain funds
included in the performance information may no longer be available for purchase and may not be included in the recommended Investment Strategy. Brinker Capital
may also determine to replace a fund due to a change in management or based upon Brinker Capital’s evaluation of the fund’s performance. Since Brinker Capital
retains full discretion to add or replace mutual funds in which the account is invested and to change the allocation among such funds, the historical performance of the
recommended Investment Strategy may reflect the performance of mutual funds which are no longer included in the recommended Investment Strategy. Furthermore,
past performance of the funds included in the recommended Investment Strategy is not a guarantee of future results or trends.
Prior to December 2008 the Aggressive Equity Taxable Portfolio and Aggressive Equity Qualified portfolios were managed under the same investment mandate from the
initial strategy’s inception in January 1997. In December 2008 the portfolios were separated to provide the ability to better manage their different account tax status and
two separate composites were created. The performance shown for the Aggressive Equity Taxable Portfolio prior to December 2008 reflects the performance of the two
products managed together under Aggressive Equity Portfolio. Brinker has provided this full performance history for illustrative purposes only.
Mutual Fund Performance: Mutual Fund and Exchange Traded Fund (ETF) performance information is based upon published performance of the mutual funds or
ETFs, which must be calculated by the funds in accordance with rules and regulations promulgated by the Securities and Exchange Commission.
Benchmarks: Brinker Capital constructs the benchmark to match, to the best of its ability, the components of the recommended Investment Strategy to the appropriate
indices so as to reasonably parallel the asset allocation of the Investment Strategy. However, the benchmarks are not intended to parallel the risk or investment style of
any particular manager or mutual fund included in the recommended Investment Strategy or reflect guidelines, restrictions, correlations, concentrations, sector
allocations or volatility of the portfolio of any such manager or mutual fund. The benchmarks are provided for comparative purposes only and do not represent actual
performance. Figures for the indices reflect the reinvestment of dividends but do not reflect any management fees, transaction costs or expenses, which would reduce
returns.
The Destinations Relative Return-Blended Benchmark is a composite of the following indices weighted in accordance with the recommended Investment Strategy:
R3000(78.4%), MSCI ACW ex. US(19.6%), T-Bill(2%) for the time period 1/1/89 to 12/31/07 and R3000(68.6%), MSCI ACW ex. US(29.4%), T-Bill(2%) for the time
period 1/1/08 to date. Effective 1/1/08, Brinker Capital increased the allocation to international securities for this Investment Strategy and adjusted the Blended
Benchmark to more closely parallel this revised asset allocation. Detailed information on the composition of each index included in the Blended Benchmark is available
upon request Indices are unmanaged and an investor cannot invest directly in an index.
Fees: The performance information does not reflect the deduction of advisory fees payable to Brinker Capital and any other expenses for services not covered by the
advisory fee that an investor may incur, which will reduce a client’s return. Brinker Capital charges one comprehensive fee for investment management services, which
includes manager and fund due diligence, asset allocation, manager fees, custody fees and trading expenses and Solicitor fees. Brinker Capital’s fee does not include
the internal management fees and operating expenses of mutual funds in which a client’s account is invested, which are reflected in the performance information
contained herein.
Brinker Capital’s fees are disclosed in Part II of its Form ADV. The net effect of the deduction of Brinker Capital’s fees on annualized performance, including the
compounded effect over time, is determined by the relative size of the fee and the account’s investment performance. The chart below depicts the effect of a 1%
management fee on the growth of one dollar over a 10-year period at 10% (9% after fees) and 5% (4% after fees) assumed rates of return.
20. 184195
Brinker Capital, Inc., a Registered Investment Advisor 20
Year 1 2 3 4 5 6 7 8 9 10
10% 1.10 1.21 1.33 1.46 1.61 1.77 1.95 2.14 2.36 2.59
9% 1.09 1.19 1.30 1.41 1.54 1.68 1.83 1.99 2.17 2.37
5% 1.05 1.10 1.16 1.22 1.28 1.34 1.41 1.48 1.55 1.63
4% 1.04 1.08 1.12 1.17 1.22 1.27 1.32 1.37 1.42 1.48
Portions of the analytical information within this proposal have been powered by Zephyr Web Analytics.
The Hypothetical Total Return chart uses market indices to represent the various major and sub asset classes: The Dow Jones Wilshire 5000 Index represents US
Equities, MSCI AC World ex/US Index represents foreign equities, Barclays Aggregate Index represents taxable fixed income, Barclays US Treasury 1-5 Yr represents
short US Treasuries, Barclays US Treasury 5-10 Yr represents intermediate US Treasury, Barclays US Treasury Long represents Long US Treasury, Citigroup 3 Month
Treasury Bill represents Cash, Merrill Lynch 3-7 Yr Muni represents municipal fixed income, Dow Jones Wilshire REIT represents US REITs, FTSE EPRA NAREIT
Global Index represents Global REITs, Dow Jones AIG Commodity represents Commodities, NCREIF Property Index represents private real estate, Credit
Suisse/Tremont Hedge Fund Index represents absolute return, Cambridge Associates US Private Equity Index represents private equity and the Red Rocks Listed
Private Equity Index represents listed private equity. The Cambridge Associates US Private Equity Index is comprised of limited partnership investments available only
to Qualified Purchasers. The Red Rocks Listed Private Equity index reflects actual returns from January 2006 to present; returns prior to January 2006 are provided by
Red Rocks Capital, LLC and represent backtested, hypothetical values calculated by reconstructing the index with companies that were included in the index as
of inception (or at such time as a company had been public for one full quarter, if later) and re-weighting the index quarterly and do not represent actual index
performance.
21. 184195
Brinker Capital, Inc., a Registered Investment Advisor 21
Glossary of Investment Terms
60/40 – 60/40 Portfolio is composed of 60% of the Russell 3000 / 40% Barclays Aggregate.
Absolute Return – The total return that an asset achieves over a certain period of time. Absolute return differs from relative return because it is concerned with the
return of a particular asset and does not compare it to any other measure or benchmark.
Absolute Return Strategies – Strategies that seek to generate positive absolute return regardless of the direction of financial markets.
Asset Allocation – The process of deciding how to apportion investment capital between the various possible asset classes: domestic equity, international equity, fixed
income, real assets, absolute return strategies, private equity, etc.
Asset Class – Category of assets such as equities and fixed income, and their subcategories, including large cap, small cap, emerging markets, commodities, etc.
Commodities – Basic raw materials and foodstuffs such as metals, petroleum, plantation crops, "softs,” such as coffee and sugar, and grains and agriculture.
Due Diligence – The performance of those actions that are generally regarded as prudent, responsible and necessary to conduct a thorough and objective investigation,
review and/or analysis.
Emerging Market – Emerging markets generally do not have the level of market efficiency and strict standards in accounting and securities regulation to be on par with
developed economies, but emerging markets will typically have a physical financial infrastructure including banks, a stock exchange and a unified currency.
Expense Ratio – A measure of what it costs an investment company to operate a mutual fund. An expense ratio is determined through an annual calculation, where a
fund's operating expenses are divided by the average dollar value of its assets under management.
Global Macro – A strategy that bases its holdings—such as long and short positions in various equity, fixed income, currency, and futures markets—primarily on overall
economic and political views of various countries’ macroeconomic principles.
Growth Stocks – Stocks of companies that exhibit growth characteristics and have shown an ability to grow at a faster rate than other firms’.
International Equities – Strategies that target either developed economies (e.g. Western Europe, Japan, Australia, Canada) or emerging economies (e.g. China, Latin
America, Eastern Europe).
Large Cap – A company whose market cap typically exceeds $17 billion (using Russell Index methodology).
Manager Tenure – The length of time a portfolio manager has been responsible for managing the specific investment strategy.
Mid Cap – A company whose market cap is typically between $2 billion and $17 billion (using Russell Index methodology).
Real Assets – Real assets consist of ownership interests in investment vehicles that typically invest in physical assets and exhibit a high correlation to inflation and
provide high levels of current cash flow. Real assets include real estate, commodities, timber, and oil and gas interests.
Relative Return – The return that an asset achieves over a period of time compared to a benchmark or peer group. The relative return is the difference between the
absolute return achieved by the asset and the return achieved by the benchmark or peer group.
Relative Value – Attractiveness measured in terms of risk, liquidity and return of one instrument
22. Biographies
The Brinker Capital
leadership team
is committed to
delivering innovative
solutions, quality
service and value to
our clients.
Executive Management
Charles Widger, Executive Chairman
Mr.WidgeristhefounderofBrinkerCapitalandhasover30yearsofexperience
workingwithinvestorsinstrategicinvestmentplanning,andmanagersearch
andmonitoring.HeisapastchairmanoftheboardoftrusteesforGettysburg
Collegeandischair-emeritusoftheMoneyManagementInstitute,the2.1trillion
dollarmanagedaccountindustry’sassociation.Heisalsothechairmanofthe
VillanovaUniversitySchoolofLawBoardofConsultors. Hewaspreviouslychief
executiveofficeroftheMutualBenefitCapitalCompanies,firstvicepresidentwith
VanKampen,MorrisStoneandavicepresidentatCIGNA.Earlierinhiscareer,he
practicedlawinPennsylvaniainprivatepracticeandasanassistantattorney
generalforthePennsylvaniaDepartmentofJustice. Mr.Widgerisafrequent
marketandindustrycommentator,withhisthoughtshavingappearedintop
outletssuchasTheWallStreetJournal,Barron’s,theAssociatedPress,DowJones,
InvestmentAdvisor,FundActionandmanyothers. Mr.Widgerisagraduateof
GettysburgCollegeandVillanovaUniversitySchoolofLaw,andholdsanL.L.M.inTaxationfromBostonUniversity’s
SchoolofLaw.HealsoservedasaLieutenantintheU.S.Navy.
John E. Coyne, III, Vice Chairman
Mr.CoyneleadsBrinkerCapital’sinitiativetobroadendistributionintonew
marketplaces,akeypartofthefirm’sstrategicplan. Heisthefirm’sprincipal
spokespersonwiththenewsmediaandinvestmentadvisors. Healsooversees
thefirm’smarketingdepartment,socialmediagroupandtheSpecialtySales
Group. Previously,Mr.CoyneservedaspresidentofBrinkerCapitalandwas
responsibleforpolicyandoversightforsales,marketing,andkeyaccount
management.Inaddition,JohnservedasChiefComplianceOfficerandhashelda
varietyofregionalandnationalsalespositionsatthefirm,includingthatofnational
salesdirector.PriortojoiningBrinkerCapital,Johnheldinvestmentadvisoryand
nationalsalespositionsatButcher&Singer,VanKampen,MorrisStone,Fidelity
Leasing,andMutualBenefitCapitalCompanies.Johnhas30yearsofindustry
experience. JohnisaboardmemberoftheMoneyManagementInstituteand
therecipientofits2011PioneerAward,chairmanemeritusandcurrentboard
memberforthePhiladelphiaChapterofTeachforAmerica andamemberofthe
PhiladelphiachapteroftheFinancialPlanningAssociation.Johnisafrequentspeakerandhostatindustryconferences
andhasbeenquotedextensivelyintopfinancialandadvisormedia. InadditiontoappearancesonFoxBusinessNews
andFoxBusiness’s“CavutoonBusiness”,John’sthoughtshaveappearedinTheWallStreetJournal,Newsweek,
InvestmentNews,RegisteredRep,FundFire,MoneyManagementExecutive andothers.JohnisagraduateofMount
St.Mary’sUniversity.HealsoattendedTempleUniversityGraduateSchool. JohnisatrusteeofMountSt.Mary’s
UniversityandchairmanofitsEndowmentcommittee.
Noreen D. Beaman, CPA, Chief Executive Officer
Ms.BeamanisthechiefexecutiveofficerofBrinkerCapital,Inc.andBrinkerCapital
Securities.Ms.Beamanisresponsiblefordevelopingandexecutingthefirm’s
detailedoperatingplanandfortheoversightofthecompany’sshortandlongterm
strategies. Previously,Ms.Beamanservedasthefirm’schiefoperatingofficer
responsibleforpolicyandoversightofoperations,administration,performance,
reconciliation,technologyandhumanresources.Noreenhasmorethan20
yearsofinvestmentexperienceworkingwithfinancialadvisorsandinstitutional
andhighnetworthinvestorsinstrategicplanningandinvestmentmanagement.
Additionally,sheisamemberofthefirm’sinvestmentmanagementandfinance
committees.AsoneofBrinkerCapital’soriginalpartners,Noreenpreviously
heldavarietyofregionalandnationalsalespositionsatthefirm,includingnew
businessdevelopmentandclientserviceinNewYorkandNewJersey;andwas
alsothefirm’schieffinancialofficer.Noreenisafrequentspeakeratindustry
conferencesandhasbeenquotedextensivelyintopfinancialandadvisormedia.PriortojoiningBrinkerCapital,Noreen
wastreasureratMutualBenefitCapitalCompanies,asubsidiaryofMutualBenefitLifeInsuranceCompany. She
alsoworkedatErnstandYoung.Ms.BeamanisagraduateofSaintPeter’sCollegeandisamemberoftheirBoardof
Regents.
Brinker Capital, Inc., a Registered Investment Advisor. Brinker_Bios
23. Leo J. Dolan, Jr., Principal and National Sales Director
Mr.DolanisakeyseniormanagerandthenationalsalesdirectorforBrinkerCapitalasitachievesmajorgrowthwithanexpanded
arrayofproductsandservices.Inaddition,heisamemberoftheInvestmentCommitteeandafrequentspeakeroninvestment
topics.From1995to2001,Mr.DolanservedasseniorvicepresidentandoperatingheadoftheInvestmentAdvisoryGroupatSEI
Investments.Whilethere,hehelpedtransformasmallunitintoahighlyprofitable$25billiondivisionwiththeindustry'sleading
mutualfundprogram.Earlier,hehelpedstartandcreateauniquebusinessmodelforSEI'snow$500billionfundadministration
group. Priortohis20yearsofinvestmentindustryexperience,Mr.Dolanhadanextensive,diversifiedcareerincludingmanagement
positionsatScottPaperCompany,BeechNutFoods,theColonialPennGroup,andUnitedHospitals.Inaddition,asownerofa
marketingfirm,hehelpeddevelopbusinessandmarketingstrategiesthatledtoinitialpublicofferingsandstronggrowthfor
companiessuchasU.S.Healthcare,Nutri/SystemandBaldwin,Inc.Mr.DolanholdsaB.S.fromSaintJoseph'sUniversityandan
M.B.A.fromTheWhartonSchooloftheUniversityofPennsylvania.Heisalsoaformernavalofficer.
Sheila Bonitz, Vice President of Investment Management
Sheilahasspentover18yearsfocusedondevelopingtechnologyandproductsolutionstohelpmeettheneedsoffinancialinstitutions,
advisorsandinvestors.Inhercurrentrolessheisinvolvedwithnewproductlaunchesandenhancements,regulatoryitems
andoverseestheadministrativeaspectsoftheInvestmentDepartment.SheilastartedhercareeratBrinkerCapitalin1999asa
marketingcoordinator. DuringhertimeatBrinkerCapital,shealsoservedasdirectorofonlineserviceswhereshewasresponsible
foroverseeingthecontinuousdevelopmentofthecompany’swebsite. Sheilathenservedasthedirectorofstrategicplanning,
responsiblefordevelopingnewproductsolutionsandenhancingexistingsolutions. PriortoBrinkerCapital,SheilaworkedatSEIasa
productplanner. ShegraduatedfromMillersvilleUniversitywithaB.S.inComputerScienceandaminorinBusinessAdministration.
SheobtainedherM.B.AfromSaintJoseph’sUniversity. Inaddition,sheholdsFINRA6and63licenses.
Avery Cook, CIMA®, Vice President of Strategic Planning
Withover15yearsofindustryexperience,Averyisprimarilyresponsiblefortheevaluation,implementationandmaintenance
ofproductofferingsatthefirm. PriortohiscurrentroleatBrinkerCapital,Averyservedinvariouspositionswithinthefirm’s
Performance&Reconciliation,Pricing,ClientServices,andOperationsdepartments.AveryisagraduateofHamiltonCollege,where
hemajoredinEconomicsandComputerSciencewithaminorinGovernment.AveryholdstheCIMA®
designationandalsoearneda
LeanSixSigmacertificatefromVillanovaUniversity. Inaddition,heholdsFINRAseries7,24,53,63and65,licenses.Outsidetheoffice,
heenjoyscoachinghighschoollacrosseandplayinggolf.
Philip F. Green, Jr., Chief Financial Officer
Philisresponsibleforallfinancialoperationsofthefirm. HealsooverseestheRegisteredInvestmentAdvisorServicesDepartment,
focusingonprovidingsolutionsandsupporttothatmarketplace,andisalsoamemberoftheKeyManagementTeam. Philhas
beenwithBrinkerCapitalfor11yearsinvariouscapacitiesofoperations,financeandaccounting. Hehas21yearsofindustry
experiencewhichincludespriorworkatanumberoflargefinancialandinsuranceinstitutionsinthecommercialunderwriting
disciplinesincludingAIG,LibertyMutual,andCitibank/Travelers. HereceivedhisB.S.inFinanceandEconomicsfromPennsylvania
StateUniversityandhisM.B.A.fromVillanovaUniversity. Inaddition,PhilipholdshisFINRAseries7and27licenses. Hesitsonthe
technologyboardattheSt.EleanorSchool,inCollegeville,PA,andisalsoamemberoftheMMI,themanagedaccountindustry’s
association.Philipenjoysreading,biking,skiing,hiking,basketball,andrunning.
Brendan McConnell, Vice President, Business Administration
Withover13yearsofindustryexperience,Brendanisprimarilyresponsiblefortheoversightofinitiativesintheareasofclient
experienceandtechnologyacrossthefirm.BrendanisamemberofBrinkerCapital’sOperating,TechnologyandCustodian
Committees,whichdevelopandimplementstrategiestoimproveoperationalandinfrastructureefficienciesthroughoutthe
company. BrendanalsooverseestheClientService,PerformanceandReconciliation,andAccountAdministrationdepartments. He
hasseveralyearsofexperienceasanoperationsmanager,wherehewasresponsibleforalloperationalaspectsofthefirm’s
relationshipwithFidelityIWSandNationalFinancial,LLC. BrendanisagraduateofSaintJoseph’sUniversity. Heisalsocertified
throughVillanovaUniversityasabusinessanalystandinLeanSixSigmaalongwithholdingFINRAseries7,63and65licenses. He
enjoysspendingtimewithhisfamily,reading,runningandplayinggolf.
Leo J. Dolan, Jr.
Sheila Bonitz
Avery Cook
Philip F. Green, Jr.
Brendan McConnell
Brinker Capital, Inc., a Registered Investment Advisor.
Executive Management, Continued
24. William H. Miller, Chief Investment Officer
AsCIOofBrinkerCapital,Billchairsthecompany’sinvestmentcommitteeandsetstheinvestmentphilosophyandprocessforBrinker
Capital. Heisalsoresponsibleforassetallocation,managerselectionandreview,andalternativeinvestments.Bill’sinvestment
experienceofalmost30yearsincludesthemanagementandlaunchofNationwideInsurance’sInvestorDestinationSeriesof
passiveassetallocationfunds,andOptimalFunds,whichisanactivemanagementproduct.BillinitiallyjoinedtheConshohocken-
basedinvestmentoperations,ofNationwide,asinterimchiefinvestmentofficer.BillalsoheldseniorinvestmentpositionsatPutnam
InvestmentsandDelawareCapitalManagement.HeholdsaB.A.inEconomicsfromTrinityCollege.
Amy Magnotta, CFA, Senior Investment Manager
AmyhasportfoliomanagementresponsibilitiesforBrinkerCapital’smutualfundprogram,Destinations,andisinvolvedinbothasset
allocationandinvestmentmanagerselectiondecisions.Shealsowritesperiodicmarketandeconomiccommentaryandoutlook
pieces.Shehasover12yearsofindustryexperienceandwaspreviouslyemployedasaconsultantforFranklinParkAssociates,
LLC,wheresheselectedprivateequityinvestmentsforinstitutionalclients. Priortothatsheservedinafixedincomeproduct
managementandinstitutionalclientserviceroleatBlackRock,Inc.AmygraduatedfromLehighUniversitywithaB.S.inFinanceandis
aCFAcharterholder.SheisamemberofCFAInstituteandtheCFASocietyofPhiladelphia.
Stuart P. Quint, III, CFA, Senior Investment Manager and International Strategist
Stuarthasover20yearsofexperienceanalyzingandmanaginginvestmentportfoliosindevelopedandemergingmarkets. His
responsibilitiesatBrinkerCapitalentailassetallocationandmanagerselectionforthefirm’sCoreSMAproduct. Additionally,he
advisesthefirminformulatingitsinternationalinvestmentstrategyandcommunicatingwithclients. PriortoBrinkerCapital,Stuart
spentsixyearsatAberdeenAssetManagement(formerlyGartmoreGlobalInvestments)asaninvestmentmanager,wherehewas
responsibleforaglobalfinancialfundinvestedinemerginganddevelopedmarkets. Healsoworkedinvariousportfoliomanagement
rolesinvolvingemergingmarketsatLFCapital/FriendsIvorySimeandMontgomeryAssetManagement. Hiscareerstartedasan
equityanalystatSanfordC.BernsteinandCompany,followingthesavingsandloanindustry. StuartgraduatedcumlaudewithaB.S.
/B.A.dualdegreefromtheUniversityofPennsylvania. HealsostudiedabroadinRussiaandMexicoandbecamefluentinRussianand
Spanish. Inaddition,StuartholdstheCFAdesignationandisamemberoftheCFAInstitute.
Jeff Raupp, CFA, Senior Investment Manager
Withover17yearsofinvestmentexperience,JeffisprimarilyresponsiblefortheportfoliomanagementforBrinkerCapital’smutual
fundandretirementplanservicesprograms.JeffisalsoamemberofBrinkerCapital’sOperatingCommittee,whichdevelops
andimplementsstrategiestoimproveoperationalefficienciesthroughoutthecompany. Priortohiscurrentrole,Jeffservedas
theoperationsmanagerforBrinkerCapitalandwasinchargeofalloperationalaspectsofthefirm’srelationshipwithFidelityand
NationalFinancialServices,LLC. BeforejoiningBrinkerCapital,Jeffwasemployedasanelectronicengineerandprojectmanager
forasmallelectronicsfirm. HealsoservedasanofficerintheUnitedStatesArmy. JeffhasaB.S.inMechanicalEngineeringfromthe
UniversityofDelawareandaM.B.AinFinancefromVillanovaUniversity. Inaddition,heiscertifiedinLeanSixSigmathroughVillanova
UniversityandholdsFINRAseries7and66licenses.HeisamemberoftheCFAInstituteandtheCFASocietyofPhiladelphia,Inc.
Andrew Rosenberger, CFA, Senior Investment Manager
AsamemberofBrinkerCapital’sDueDiligenceteam,AndrewservesastheseniorportfoliomanageronthePersonalPortfolios
productaswellastheco-portfoliomanagerontheBrinkerCapitalCrystalStrategy. Additionally,heisresponsiblefortheinvestment
oversightofBrinkerCapital’sPersonalizedDistributionandDollarValueAveragingStrategies. Andrew’spriorexperienceat
BrinkerCapitalincludesthepositionofquantitativeinvestmentmanager,wherehewasresponsibleforthequantitativeanalysis
ofeconomicandcapitalmarkettrends,portfolioriskanalysis,assetallocation,andinvestmentstrategyselection. Priortothat,
heservedasamemberoftheInstitutionalInvestments&PrivateClientGroup,wherehisresponsibilitiesincludedassetallocation,
clientperformanceandattributionanalysis,clientaccountmanagement,andinvestmentpolicystatementanalysis.Heearnedhis
B.S.degreeinEconomicsfromthePennsylvaniaStateUniversity.AndrewisaCFAcharterholderandamemberoftheCFASocietyof
Philadelphia.HealsoholdshisSeries7and65licenses.
William H. Miller
Amy Magnotta
Stuart P. Quint, III
Jeff Raupp
Andrew Rosenberger
Brinker Capital, Inc., a Registered Investment Advisor.
Investment Team
25. David A. Ix
Michael F. Frascone
Edward Kelly
David A. Ix, Principal
DavidisresponsiblefornewbusinessdevelopmentandclientserviceinPennsylvaniaandNewJersey.Previouslyasdirectorof
operations,heoversawthefirm'stradingandaccountadministration,aswellastheoperationaldevelopmentofBrinkerCapital’s
mutualfundprograms. Priortojoiningthecompany,DavidwaswithTheBostonSafeDeposit&TrustCompany,whereheplayeda
keyroleindesigningthefirm’sforeigncurrencyandcustodyoperations. Hehas25yearsofindustryexperienceandholdsFINRA
series7,63,and65licenses.DavidisacumlaudegraduateofBostonCollege.Heenjoysparticipatinginhischildren’sactivitiesaswell
asgolfing,skiing,andmusic.
Michael F. Frascone, CIMA®, Regional Director
MichaelisresponsiblefornewbusinessdevelopmentandclientserviceinthemetroNewYorkarea. PriortocoveringmetroNew
York,Michaelspent10yearsasRegionalDirectorintheMidwest.HispreviousrolesatBrinkerCapitalincludeinternalinvestment
consultant,coveringmetroNewYorkandNewJersey,andinvestmentstrategyanalyst,responsiblefordesigninginvestment
strategiesandpreparingcustomizedproposalsforclients. MichaelwaspreviouslyemployedbyNewEnglandSecuritiesasa
registeredrepresentative.HeholdsFINRAseries6,7,and66licenses.Inaddition,heisamemberoftheInvestmentManagement
ConsultantsAssociationandwasawardedaCertifiedInvestmentManagementAnalyst(CIMA®)designationin2004. Michaelisa
graduateofthePennsylvaniaStateUniversity,withover14yearsofexperienceintheinvestmentindustry.
Edward Kelly, Regional Director
EdisresponsiblefornewbusinessdevelopmentandclientserviceintheMidwest. Hehasover20yearsofexperienceinthefinancial
servicesindustry. PriortojoiningBrinkerCapital,EdservedasseniorregionalconsultantforGenworthWealthManagement,as
wellasvicepresidentofsalesforAtlanticTrust. EdalsoheldpositionsatNationwideandCurianCapital. HeholdsFINRAseries7,63
and66licensesandisagraduateofVillanovaUniversity. Heenjoysgolfing,basketballandspendingtimewithhiswife,Jody,andtwo
children,SophiaandEd.
Dan McGovern, CIMA®, Regional Director
DanhasbeenwithBrinkerCapitalforover15yearsandhas18yearsofindustryexperience. Danisresponsiblefornewbusiness
developmentandclientserviceinTexas,Oklahoma,Arkansas,LouisianaandNewMexico. HealsohelpedpioneerBrinkerCapital’s
developmentontheWestCoast. Priortobecomingregionaldirector,Danwasaninternalinvestmentconsultant,coveringthe
Westernregionofthecountry. HealsoworkedinBrinkerCapital’sadvisorservicesgroupandoperationsdepartment. Priorto
joiningBrinkerCapital,DanwasemployedbyTheVanguardGroupasaregisteredrepresentative. HeholdsFINRAseries7,63and65
licenses.Inaddition,heisamemberofInvestmentManagementConsultantsAssociationandwasawardedtheCertifiedInvestment
ManagementAnalyst(CIMA)designationin2006. HeisagraduateofUrsinusCollegewithaB.A.inEconomics. Heenjoysgolfing,
mountainbikingandspendingtimewithhiswife,Rose,andtheirtwodaughters.
Mitchell J. Mellen, Regional Director
Withover25yearsofinvestmentexperience,MitchmanagesnewbusinessdevelopmentandclientserviceinIndiana,Kentucky,
MichiganandOhio.Overhis25yearcareer,Mitchhasheldnumerousexecutivepositionsinthefinancialservicesindustryincluding
PresidentofDistribution,ING,DirectorofSales, StrongCapitalManagement,andNationalSalesManager,MainstayFunds. Mr.Mellen
isagraduateoftheUniversityofWisconsinatMadisonwithadegreeinPsychologywithanemphasisinEconomics.Mitchholdsthe7,
24,63,65,66,and201licenses. Mitchhasfourchildrenages11-17andisanavidsportsfan,golfer,skierandoutdoorsman.
Brinker Capital, Inc., a Registered Investment Advisor.
Regional Sales Directors
Dan McGovern
Mitchell J. Mellen
26. Glenda A. Pemble, CFP®, CIMA®, Regional Director
Withover24yearsofinvestmentexperience,GlendamanagesnewbusinessdevelopmentandclientserviceintheRockyMountain
regionandNorthwest. PriortojoiningBrinkerCapital,GlendawasseniorvicepresidentatMountYaleCapitalGroup,inchargeof
salesandservicingthefirm’skeyadvisoryrelationships. SheworkedseveralyearswithErnstandYoung,inchargeoftheChicago
areainvestmentconsultingpractice. AtErnstandYoung,shewasamemberoftheNationalInvestmentCommittee. Previously,
Glendaheldsalesandservicepositionsatseveralfinancialplanningfirms,workingwithcorporateclientssuchasHewlettPackard,
JohnDeere,StateFarmInsuranceandMcDonaldsCorporation. GlendaisagraduateoftheUniversityofWisconsinandholdsthe
CFP®
,CIMA®
andFINRAseries7and66licenses. SheisamemberoftheFinancialPlanningAssociationandInvestmentManagement
ConsultantsAssociation. Glendaenjoystraveling,golfing,biking,skiingandhiking.
Jason M. Shevland, CIMA®, Regional Director
JasonisresponsiblefornewbusinessdevelopmentandclientserviceinNewEnglandandupstateNewYork. Hehas16yearsof
industryexperience,includingayearofserviceatTheVanguardGrouppriortojoiningBrinkerCapitalasaninvestmentstrategist.
JasonbecametheregionaldirectorinPennsylvaniaandNewJerseyin2000andtransitionedintotheNewEnglandterritoryin
2003.JasonholdsFINRAseries6,7,and66licenses.HeisamemberoftheFinancialPlanningAssociationofMassachusettsand
theInvestmentManagementConsultantsAssociationandwasawardeditsCertifiedInvestmentManagementAnalyst(CIMA®)
designationin2003. JasonisacumlaudegraduateofBostonCollegeandanactivememberoftheBCClub. Heenjoysgolf,skiingand
spendingtimewithhiswife,Robin,anddaughters,MaggieandAlex.
John Solomon, Southeast Region Manager, Regional Director
JohnisresponsiblefortheoversightanddevelopmentofadvisorrelationshipsintheSoutheastregionoftheUnitedStates.Hismain
roleishelpingadvisorsbuildaprofitablebusinesswithafocusonacquiringnewclientsandhelpingthemmeettheirmostimportant
goals.Hehasover25yearsofexperienceinthefinancialservicesindustry.PriortojoiningBrinkerCapital,Johnwasseniorvice
presidentofsalesandclientserviceatInvestorForce,Inc.Healsospent11yearsatSEIInvestments,workingwithRIAsandlarge
BankingInstitutions.JohnisagraduateoftheUniversityofPittsburgh,withaB.S.inAppliedMathematics,andhasalsocompleted
coursesatTheWhartonSchoolofBusinessaspartofitsExecutiveEducationprogram.HeholdsFINRAseries7and66licenses.John
enjoysspendingtimewithhiswife,Michelle,son,Bradanddaughter,Delaney.InhissparetimeheumpiresNCAAbaseball.
George B. Wrightnour, Jr. (Bay), Western Region Manager, Regional Director
Bayhasover10yearsofexperiencewithBrinkerCapital. HecurrentlyresidesinManhattanBeach,CAandisresponsibleforthe
oversightanddevelopmentofsalesintheWesternregionoftheUnitedStates. Additionally,Bayservesastheregionaldirectorfor
SouthernCaliforniaandthePacificSouthwestandisinchargeofnewbusinessandclientserviceinthatarea. Priortothis,Baywas
aninvestmentstrategyanalyst,associatenationalsalesdirector,andrelationshipmanageronthecorporatebusinessdevelopment
teamwithBrinkerCapital.HeholdsFINRAseries7and66licenses.BayisagraduateofHobartCollegewithaB.S.in
EconomicsandaminorinEnglish. Heenjoystraveling,swimming,skiingandsailing.
Glenda A. Pemble
Jason M. Shevland
John Solomon
Bay Wrightnour
Brinker Capital, Inc., a Registered Investment Advisor.
Regional Sales Directors, Continued
27. Jean Lynch, CIMA®, Managing Director, National Accounts
Withover15yearsofindustryexperience,JeanoverseesBrinkerCapital’sbroker/dealerandregisteredinvestmentadvisor
relationships.Sheisalsoresponsibleforthemanagementandimplementationofthenationalsalesandmarketingbudgets.AtBrinker
Capital,Jeanpreviouslyworkedasasalesassociate,coveringmetropolitanNewYorkandNewJersey.Jeanwaspreviously
employedbyPanasonicintheCorporateCommunicationsDepartment,andawriterforWWOR-TVChannel9NewsinNewYork
andasawriter/producerforABCaffiliateKTNV-TVChannel13News.JeanholdsFINRAseries7and66licensesandaB.A.from
NewJerseyCityUniversity.SheisamemberoftheInvestmentManagementConsultantAssociationandwasawardeditsCertified
InvestmentManagementAnalyst(CIMA®)designationin2008. Jeanenjoysrunning,reading,andspendingtimewithherfamily.
Jeffrey A. Wirosloff, Managing Director, National Accounts
JeffoverseesBrinkerCapital’sbroker/dealerandregisteredinvestmentadvisorrelationshipsandisalsoamemberoftheKey
ManagementTeam. Previously,JeffmanagedbothBrinkerCapital’sadvisorservicesteamandBrinkerCapital’steamofinternal
investmentconsultants. Withover22yearsofindustryexperience,JeffhasheldmanagerialpositionswithTheKillenGroup/
BerwynFundsandRodneySquareManagement,asubsidiaryofWilmingtonTrust,wherehewasresponsibleforthefirm’sclient
relationshipmanagement. HewasalsoemployedwithTheVanguardGroupandPFPC. JeffholdsFINRAseries6and63licensesanda
B.S.B.A.fromtheUniversityofDelaware. Heenjoysspendingtimewithhiswife,Beth,andson,Mitchell.
Michael Brady, CIMA®, RIA Relationship Manager
Withover12yearsofindustryexperience,Mikemanagesseveralofthefirm’slargestadvisoryclients. Hehasheldavarietyofsales
andoperationspositionsatBrinker,mostrecentlyhewastheRegionalDirectorfortheSoutheastterritorycoveringNC,SC,AL,MS,
&GA.MikewaspreviouslyresponsibleformanagingtheinternalsalesdeskinBrinker’shomeofficewhereheplayedakeyrolein
developingandmaintainingrelationshipswithfinancialadvisors. PriortoworkingwithBrinkerCapital,Mikeworkedwithclient
serviceteamatPlymouthRockAssuranceCorporationinBoston,MA. MikeisagraduateofWestVirginiaUniversitywithaB.A.in
Economics. HeholdstheFINRASeries7and66licenses.In2007,hewasawardedtheCertifiedInvestmentManagementAnalyst
(CIMA®)designationandisamemberoftheInvestmentManagementConsultantsAssociation.In2010,MikealsoreceivedtheLeanSix
SigmacertificationthroughVillanovaUniversity. Outsideoftheoffice,heenjoysplayingsports,traveling,andspendingtimewithhisfamily.
Thomas K.R. Wilson, CFA, Senior Investment Manager and Managing Director
TomoverseestheCoreAssetManagementProgramaswellastheinstitutionalandhighnetworthclientsatBrinkerCapital.As
amemberofBrinkerCapital’sInvestmentCommittee,hedirectstheimplementationofthefirm’sinvestmentphilosophyand
disciplineinclientportfolios. TombeganhiscareeratBrinkerCapitalasthevicepresidentoftheInvestmentManagementGroup
wherehesupervisedtheDueDiligence,PerformanceMeasurement,InvestmentStrategy,RelationshipManagement,andNew
Accountsdepartments. PriortoBrinkerCapital,TomwasthevicepresidentofDavidsonCapitalManagement,whereheservedas
aportfoliomanagerforinstitutionalandhighnetworthaccountsandwasalsoanequityanalystcoveringthetelecommunications
andtechnologysectors.Tomisafrequentinvestmentandassetallocationcommentator. Hisviewscanbefoundinvariousbusiness
newsmedia,includingTheWallStreetJournal,theAssociatedPress,BloombergU.S.,BloombergAsia,Comcast’sMoneyMatters,
FOXNews,Businessweek,andFoundation&EndowmentMoneyManagement. Inaddition,heisamemberoftheFinancialAnalystsof
PhiladelphiaandtheCFAInstitute.TomisanhonorsscholarandsummacumlaudegraduateofJamesMadisonUniversitywithaB.A.
inEconomics. Heenjoysweightlifting,jogging,andcoachingyouthwrestling.
Jennifer P. Kulp, CIMA®, Principal and Managing Director of Wealth Management Services
With18yearsofindustryexperience,JenisresponsiblefortheSalesandMarketingAdvisorSupportforBrinker’sInstitutionaland
PrivateClientGroupwithafocusonthe$2millionto$10millionmarketsegment. Previously,Jenwasresponsiblefornewbusiness
developmentandclientserviceinthemetroNewYorkarea,andhelpedpioneerBrinkerCapital’sdevelopmentontheWestCoast.
ShewasalsoamarketingcoordinatorwithBrinkerCapitalandworkedwithmanyofthefirm’sprimarybroker/dealerrelationships.
Herresponsibilitiesincludeddailyinteractionwithhomeofficepersonnelandimplementationofthefirm’smarketingplan.InJen’s
earlyyearsatBrinkerCapital,sheworkedasaninvestmentstrategyanalyst,wheresheintroducedadvisorstoBrinkerCapital
anddesignedcustomizedassetallocationstrategiesfortheirclients.JenholdsFINRAseries7and66licenses.Sheisalsoamember
oftheInvestmentManagementConsultantsAssociationandwasawardeditsCertifiedInvestmentManagementAnalyst(CIMA®)
designationin2003.SheisagraduateofBostonCollege.Sheenjoysspendingtimewithherhusbandandsons,cookingandrunning.
Jean Lynch
Jeffrey A. Wirosloff
Thomas K.R. Wilson
Jennifer P. Kulp
Brinker Capital, Inc., a Registered Investment Advisor.
National Accounts
Institutional Investments and Wealth Management
Michael Brady
28. W. Byron McClennen, CIMA®, Director, Institutional Investments and Private Client Group
ByronisresponsibleforconsultingandcommunicatingwithBrinkerCapital’sinstitutionalandhighnetworthclients. Hehasover
15yearsofexperienceinthefinancialservicesindustry.WhileatBrinkerCapital,hehasservedasregionaldirector,internal
investmentconsultant,investmentstrategyanalystandcorporatetrainerworkingwithBrinkerCapital’skeybroker/dealerand
investmentadvisorrelationships. PriortojoiningBrinkerCapital,ByronwasemployedbyTheVanguardGroupintheirbrokerage
division. HeholdsFINRAseries7and66licenses. ByronisamemberoftheInvestmentManagementConsultantsAssociationand
wasawardeditsCertifiedInvestmentManagementAnalyst(CIMA®)designationin2008. HeisagraduateoftheUniversityof
Delawareandenjoysmovies,sports,andspendingtimewithhisfamily.
William P. Simon, Jr., Managing Director, Retirement Plan Services and Investment Services
Billisresponsibleforthemanagement,guidanceandexpansionoftheRetirementPlanServicesteamandprogram.Healsoserves
onthefirm’smanagementandoperatingcommittees.Billhasmorethan30yearsofinvestmentexperienceworkingwithfinancial
advisors,plansponsorsandinstitutionalandhighnetworthinvestorswithaspecializedfocusinsalesanddistribution.Priorto
joiningthefirm,heservedasmanagingpartneratPPBAdvisors,LLC.wherehewasresponsibleforbuildinganalternativesecurities
start-up. Previously,Mr.Simonspent22yearsatAmericanFunds,whereheheldavarietyofseniorpositionsincludingdivision
manager–MidAtlantic,andnationalsalesmanagerfortheEasternU.S. BillalsoheldpositionsatVanKampenMerritt,andwith
FederatedInvestors,wherehebeganhiscareer. BillgraduatedfromtheUniversityofPittsburghwithaB.A.inEconomicsand
holdsSeries7,65,63and26licenses. BillservesaschairmanoftheboardoftrusteesfortheCornerstoneChristianAcademyof
PhiladelphiaandisamemberoftheboardforYoungLife,LibertyRegion. Billalsoenjoysgolfandsquashandspendingtimewithhis
wifeandthreechildren.
Timothy A. Chisholm, Retirement Plan Services Regional Director
Timisresponsiblefornewbusinessdevelopmentandclientservicefortheretirementplanservicesdivision. Hehasover10years
ofexperienceinthefinancialservicesindustry.PriortojoiningBrinkerCapital,TimwasemployedbyMFSInvestmentManagement,
wherehewasresponsibleforinstitutionalbusinessdevelopment. HeholdsFINRAseries6,7,63,65licenses. Timisamemberofthe
InvestmentManagementConsultantsAssociationandagraduateofTrinityCollege.Heenjoysbasketball,golfandspendingtimewith
hisfamily.
Paul J. Cook, Retirement Plan Services Regional Director
Paulisresponsiblefornewbusinessdevelopmentandclientservicefortheretirementplanservicesdivision. Hehasover17years
ofexperienceinthefinancialservicesindustry.PriortojoiningBrinkerCapital,Paulservedasthevicepresidentofretirement
servicesfortheUSIConsultingGroup,wherehewasresponsiblefordevelopingbusinessstrategiesforacquiringnewclients. Paul
hasalsoheldwholesalesalespositionsatStancorpEquities,Inc.andSEIInvestments.HeholdsFINRAseries7,63and65licenses.
PaulisagraduateofthePennsylvaniaStateUniversity.Heenjoysgolfing,bikingandspendingtimewithhiswife,Stacia,andtwo
sons,CameronandGavin.
W. Byron McClennen
William P. Simon, Jr.
Timothy A. Chisholm
Paul J. Cook
Brinker Capital, Inc., a Registered Investment Advisor.
Institutional Investments, Continued
Retirement Plan Services
Gregory Keck
Gregory Keck, Director, Institutional Investments and Private Client Group
AsamemberoftheInstitutionalInvestmentsandPrivateClientGroup,Gregisresponsibleforconsultingandcommunicatingwith
BrinkerCapital’sinstitutionalandhighnetworthclients. GregworksinconjunctionwithBrinkerCapital’sDueDiligenceGroupto
communicateBrinkerCapital’sinvestmentphilosophyandimplementcurrentinvestmentstrategies. Additionally,Gregmonitors
portfoliosforadherencetoinvestmentstrategyguidelinesandprovidesinstitutionalclientswithperiodicperformancereviews.
Greghasover17yearsofindustryexperience,mostrecentlyasaseniorinvestmentanalystinBrinkerCapital’sDueDiligence
Group,wherehisresponsibilitiesincludedinitialandongoingduediligencefortheseparatelymanagedaccountprogram. Priorto
BrinkerCapital,GregheldpositionswithVanKampenFundsandTheVanguardGroup. GreggraduatedfromMoravianCollegewitha
B.A.inBusinessManagementandisFINRAseries7,63and65licensed.
29. William P. Simon, Jr., Managing Director, Retirement Plan Services and Investment Services
Billisresponsibleforthemanagement,guidanceandexpansionoftheRetirementPlanServicesteamandprogram.Healsoserves
onthefirm’smanagementandoperatingcommittees.Billhasmorethan30yearsofinvestmentexperienceworkingwithfinancial
advisors,plansponsorsandinstitutionalandhighnetworthinvestorswithaspecializedfocusinsalesanddistribution.Priorto
joiningthefirm,heservedasmanagingpartneratPPBAdvisors,LLC.wherehewasresponsibleforbuildinganalternativesecurities
start-up. Previously,Mr.Simonspent22yearsatAmericanFunds,whereheheldavarietyofseniorpositionsincludingdivision
manager–MidAtlantic,andnationalsalesmanagerfortheEasternU.S. BillalsoheldpositionsatVanKampenMerritt,andwith
FederatedInvestors,wherehebeganhiscareer. BillgraduatedfromtheUniversityofPittsburghwithaB.A.inEconomicsand
holdsSeries7,65,63and26licenses. BillservesaschairmanoftheboardoftrusteesfortheCornerstoneChristianAcademyof
PhiladelphiaandisamemberoftheboardforYoungLife,LibertyRegion. Billalsoenjoysgolfandsquashandspendingtimewithhis
wifeandthreechildren.
Gregory G. Vradenburg, CFP®, Principal and Managing Director, Investment Services
GregisresponsiblefortheoversightanddevelopmentofBrinkerInvestmentServices,givingBrinkerCapitalinvestmentproducts
andsalessupportbroaderaccesstoadditionalplatforms.PriortothisroleGregwasresponsiblefornewbusinessdevelopmentand
clientserviceintheMidwest..Hehasbeenintheinvestmentbusinessformorethan35years,specializinginmanagedmoneyforthe
last29years. Previously,heheldsalesandmanagementpositionsatBache&Co.andJ.C.BradfordCo. Healsoservedasfirstvice
presidentofanationalbrokeragefirmandasvicepresidentofinvestmentsforalargeMidwesternpropertyandcasualtycompany.
HeholdsFINRASeries7,24,39,63and65licensesandwasawardedtheCertifiedFinancialPlanner(CFP®)designationin1982.Greg
isagraduateofFranklinUniversity. Heenjoystravelingwithhisfamily,reading,golfandexercising.
Jean Lynch, CIMA®, Managing Director, National Accounts
Withover15yearsofindustryexperience,JeanoverseesBrinkerCapital’sbroker/dealerandregisteredinvestmentadvisor
relationships.Sheisalsoresponsibleforthemanagementandimplementationofthenationalsalesandmarketingbudgets.
AtBrinkerCapital,Jeanpreviouslyworkedasasalesassociate,coveringmetropolitanNewYorkandNewJersey.Jeanwas
previouslyemployedbyPanasonicintheCorporateCommunicationsDepartment,andawriterforWWOR-TVChannel9Newsin
NewYorkandasawriter/producerforABCaffiliateKTNV-TVChannel13News.JeanholdsFINRAseries7and66licensesanda
B.A.fromNewJerseyCityUniversity.SheisamemberoftheInvestmentManagementConsultantAssociationandwasawardedits
CertifiedInvestmentManagementAnalyst(CIMA®)designationin2008. Jeanenjoysrunning,reading,andspendingtimewithher
family.
Sheila Bonitz, Vice President of Investment Management
Sheilahasspentover18yearsfocusedondevelopingtechnologyandproductsolutionstohelpmeettheneedsoffinancialinstitutions,
advisorsandinvestors.Inhercurrentrolessheisinvolvedwithnewproductlaunchesandenhancements,regulatoryitems
andoverseestheadministrativeaspectsoftheInvestmentDepartment.SheilastartedhercareeratBrinkerCapitalin1999asa
marketingcoordinator. DuringhertimeatBrinkerCapital,shealsoservedasdirectorofonlineserviceswhereshewasresponsible
foroverseeingthecontinuousdevelopmentofthecompany’swebsite. Sheilathenservedasthedirectorofstrategicplanning,
responsiblefordevelopingnewproductsolutionsandenhancingexistingsolutions. PriortoBrinkerCapital,SheilaworkedatSEIasa
productplanner. ShegraduatedfromMillersvilleUniversitywithaB.S.inComputerScienceandaminorinBusinessAdministration.
SheobtainedherM.B.AfromSaintJoseph’sUniversity. Inaddition,sheholdsFINRA6and63licenses.
Sheila Bonitz
Jean Lynch
William P. Simon, Jr.
Gregory G. Vradenburg
Brinker Capital, Inc., a Registered Investment Advisor.
Investment Services
Jordan Wallens
Retirement Plan Services, Continued
Jordan Wallens, Retirement Plan Services Regional Director
JordanisresponsiblefornewbusinessdevelopmentandclientserviceforBrinkerCapital’sretirementplanservicesprogram. Hehas
over15yearsofsalesandmarketingexperienceintheinvestmentmanagementindustrywithafocusonretirementplanning.Priorto
joiningBrinkerCapital,JordanservedasthevicepresidentandregionaldirectoroftheInvestmentConsultantGroup(ICG)Divisionat
GoldmanSachsAssetManagement,aswellasRegionalMarketingDirectoratLincolnFinancialDistributors.Jordanalsoheldpositions
atCapitalGroup/AmericanFundsDistributors,thePolytechnicSchoolofPasadenaandtheChicagoMercantileandBoardofOptions
Exchange,wherehebeganhiscareer. HeholdsFINRAseries6,7,26and63licensesandisagraduateofCornellUniversitywithaB.A.S.
inEnglishLiteratureandEconomics.Heisapublishedauthorandenjoystravel,sports,behavioralfinanceandhistory.