Pure Asset Management

For decades consumers have been sold commission based ordinary retail mutual funds, high fee variable annuities and stocks by stockbrokers and insurance agents, paying high commissions on the latest "hot" fund or product.

Now, thanks to the Pure Prudent Management Portfolios, you can invest using the same prudent management investment process used by many institutional investors, pension funds and endowments. You have access to time-tested, proven investment strategies.

Harry Markowitz, William Sharpe, Eugene Fama, Kenneth French, Gary Brinson, Roger Ibbottson, Richard Thaler - these and other leading academics have, over the past six decades, discovered and established the most effective way to manage money. Today, the nation's largest institutional investors - relying on their research know to:

• Develop highly diversified portfolios
• Manage volatility with asset correlation efficiency
• Strategically rebalance as needed

Although this approach has been very effective, the strategy traditionally requires the management of a prudent process to maintain integrity of style and efficient asset diversification. Sophisticated systems are essential - not a problem for institutions that control billions of dollars, but it's a real challenge for the rest of us.

No more! Thanks to Pure Prudent Managed Portfolios (PPMP), you can now invest using the same theories used by many of the nation's largest institutional investors - and you don't need millions to do it!

Pure Prudent Managed Portfolios gives you all these features:

• An investment approach defined by your personal investment policy statement
• Extensive diversification, using 10 to 20 separate asset classes and market sectors, each featuring hundreds of securities
• Security selection that is market-based, not manager-based
• Daily rebalancing review with monthly comprehensive review
• Freedom from the questionable business practices that plague the retail mutual fund industry
• No commissions, Instead, just one low annual fee that is fully disclosed and completely transparent

Just like institutional investors, Pure Prudent Asset Management is founded on the premise that solid science - backed by decades of academic research - offers the smartest approach to investing.

If you own stocks, mutual funds or annuities you owe it to yourself to consider PPMP.

Managed risks, lower investment costs and consistent application of a proven investment process. PPMP does this through a variety of unique features that can be of great benefit to investors like you:

Instead of choosing between stocks and bonds like most investors and fund managers, your PPMP portfolio will feature as many as 20 separate asset classes and market sectors. This investment strategy helps manage risks as part of our goal to help you to earn more consistent, competitive returns.

PPMP emphasizes market index -based portfolio construction-- not manager-based -- investments. This approach establishes greater diversification with more efficient asset combinations.

PPMP gives you access to some of the worlds best asset managers without the typical sales loads associated with commissioned brokers. These fund managers are used by some of the nation’s largest institutional investors, putting you alongside many of the biggest and best-run organizations. PPMP also uses exchange traded funds, one of the most advanced investment tools available. ETFs are astonishingly inexpensive, even considering trading expense -- often less than one-tenth of the cost of ordinary retail mutual funds. These savings translate into more of your money working for you.

Even the best-designed portfolio needs attention. Otherwise, a carefully constructed asset allocation will drift due to varying performances of the portfolio’s investments or managers. That's why we examine every PPMP portfolio on a daily basis - to identify opportunities for rebalancing. When we identify the need or opportunity to rebalance, we do so for you automatically. This helps manage your risks and your performance. There is no additional fee for this service - it's all part of your PPMP experience: no additional fee and never any commissions.

We are constantly reviewing the entire mutual fund universe. Every portfolio and every position of every portfolio is re-evaluated on a monthly basis and the results are reviewed by our investment committee. Nearly every investment fund and ETF is available to PPMP. If we find an investment that is a superior alternative to those currently held in the portfolio, we can replace it automatically. PPMPs ability to move with the speed of the financial markets gives you additional confidence in your investments.

You'll receive monthly statements from our custodian, Charles Schwab, showing you the status of your account. You can also view the value and performance of your account 24/7 via our secure client-only website. Plus, you will also receive a written quarterly performance report including all management fees.

Unlike many retail mutual funds, which offer no economies of scale, PPMP’s management fee is based on the value of the account and features a rate that declines as the value of your account increases - providing valuable savings to you. And with PPMP, you never pay any commissions, or any other administrative charge.