INVESTING

AN SEC REGISTERED INVESTMENT ADVISORY FIRM

Howard Capital Management, Inc. (Howard CM), an SEC - Registered Investment Advisory firm, provides money management services for private clients, brokers, broker dealers, and hedge funds.

THE VISION

The vision for Howard CM originated during the 1987 stock market crash. With the opinion that incurring financially devastating losses due to market volatility is unnecessary, we initiated a plan to create a company with the main objective to protect capital during market downturns.

A SYSTEMATIC METHOD OF INVESTING

After years of research, we developed a disciplined, systematic, and non-emotional method of investing that is designed with the goal of protecting our clients assets during market declines. Because of our belief in the power and strength of this trading system, we call it Spartacus. In 2000-2002 as the market dropped, we reduced our clients exposure to stocks through our systematic method. In 2008, our proprietary intermediate term indicator, the HCM-BuyLine® gave us the signal to exit the stock market. Consequently, we moved to the safety of the sidelines during much of the decline.

PROFESSIONAL MONEY MANAGEMENT SINCE 1999

Offering professional money management since 1999, we believe Howard CM has developed into an experienced money management firm with a proven track record. As we continue to grow, we look forward to using our systematic approach to assist you with your investment goals.

Mutual Funds involve risks including the possible loss of principal.

When the Fund is out of the market and in cash or cash equivalents, there is a risk that the market will begin to rise rapidly and may cause the Fund to miss capturing the initial returns of changing market conditions. The mutual funds in which the Fund may invest may use leverage. Using leverage can magnify a mutual fund's potential for gain or loss and therefore, amplify the effects of market volatility on a mutual fund's share price. The Fund may be subject to the risk that its assets are invested in a particular sector or group of sectors in the economy and as a result, the value of the Fund may be adversely impacted by events or developments in a sector or group of sectors.

The price of small or medium capitalization company stocks may be subject to more abrupt or erratic market movements than larger, more established companies or the market averages in general. A higher portfolio turnover will result in higher transactional and brokerage costs and may result in higher taxes when Fund shares are held in a taxable account. ETFs and mutual funds are subject to investment advisory and other expenses, which will be indirectly paid by the Fund. As a result, the cost of investing in the Fund will be higher than the cost of investing directly in other investment companies and may be higher than other mutual funds that invest directly in securities. The market value of ETF and mutual fund shares may differ from their net asset value. Each investment company and ETF is subject to specific risks, depending on the nature of the fund.

Howard Capital Investment Programs

HCM ILP PROGRAMS

Program: HCM Investor Lifestyle Portfolios

Suitability: For investors who seek a less active approach to investment management

Strategy:The HCM Investor Lifestyle Portfolios provide a range of risk/return objectives that use HCM's proprietary fund selection methodology to target equity and bond investments that the strategy indicates have the potential to meet performance objectives over an extended investment period.

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Often investing seems to dictate a choice between active and passive management. At Howard Capital Management, we believe there are a number of effective approaches to investing with the potential to succeed - if applied with discipline and knowledge.

A key goal of active investing is to provide investors with a defense in times of market downturn. For investors with a longer investment time horizon or the freedom of knowing invested funds will not be needed in the near future, less active investment approaches may be appropriate.

But a less active investment approach does not mean establishing a portfolio and walking away. All investment approaches require some element of active management to assure that the portfolio remains aligned with its risk objectives and to remove and replace investments that become inappropriate due to underperformance within the peer group, changing economics, new technology, management changes, or other factors.

Designing an Investor Lifestyle Portfolio HCM Investor Lifestyle Portfolios (ILP's) are the result of a careful investment selection process that begins with determining the appropriate risk profile for your portfolio. To fit the investment objectives of different investors, three different Investor Lifestyle Portfolio programs are offered with a minimum balance of $25,000 and a 2.2% annual HCM management fee.

These models determine the allocation of equities and bonds in the portfolio. Within these limits, the portfolio is diversified further by security type, size, sector, style, etc.

The next step is to build an appropriate Investor Lifestyle Portfolio by researching and selecting a mix of mutual funds, exchange-traded funds (ETFs) and other investment products to meet our targeted allocation. We do so using HCM's proprietary investment selection process, developed,

refined and implemented for more than a decade.

Potential portfolio investments are screened based on a number of key criteria, including, but not limited to:

  • Superior performance relative to peer groups over a number of years,
  • Asset size, providing liquidity and maneuverability,
  • Consistent fund management, and
  • Relatively low expense ratios.

Once your portfolio is in place, Howard Capital continues to monitor the Investor Lifestyle Portfolio closely to ensure that each investment continues to be aligned with the portfolio's specific needs. Should an investment no longer meet our selection criteria, it will be replaced with an alternative investment that meets our screening requirements and the risk level established for your account.

To maintain target allocation values, Investor Lifestyle Portfolios are also periodically rebalanced. Our goal in rebalancing the portfolio is not to sell winners and buy losers, but to assure that allocation targets are represented by investments ranked high in the HCM screening process.

Naturally, there can be no guarantee that the HCM Investor Lifestyle Portfolios will achieve their investment objectives and provide solid growth over the long term. All investments have the potential for loss as well as gain. However, by following a disciplined approach of maintaining a stable allocation of investments selected for their potential to outperform, our goal is to benefit from the market's historical pattern of positive performance over the long run.

HCM PROGRAM BLENDS

Program: HCM Active Lifestyle Portfolios (ALPs)

Suitability: For investors of all risk and return objectives

Strategy: The HCM Active Lifestyle Portfolios provide a range of risk/return objectives that use HCM's Proactive Sector Rotation methodology to target equity and bond funds the strategy indicates have the potential to meet performance objectives. The HCM-BuyLine® monitors market health to determine whether or not assets should be invested in the equity market or moved to cash and/or short-term bonds or bond funds to protect capital.

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Take back your life

At Howard Capital Management, we believe HCM Active Lifestyle Portfolios (ALPs) offer a better approach to investing, an approach that seeks to diversify your portfolio to provide opportunities for profit across market cycles yet control losses in down markets. HCM's emphasis on limiting losses is, we believe, essential to improved performance and the real key to a portfolio that lets you enjoy life.

HCM Active Lifestyle Portfolios blend of two investment focuses – HCM ALP-PSR (Proactive Sector Rotation), an active equity investment strategy, and Horizon Bond, an active bond-based investment strategy. By combining different allocations of these two programs, we are able to offer a range of strategies from aggressive to conservative to fit the investor's risk tolerance.

HCM ALP-PSR is an aggressive investment approach that seeks long-term capital appreciation. HCM portfolio managers strive to participate in domestic markets and sectors by trading mutual funds using our proprietary HCM-BuyLine® and Proactive Sector Rotation (PSR) methodologies. Our goal is to outpace the S&P 500 Total Return index over the long run by participating in rising markets and protecting assets during adverse market conditions. It is possible under certain market conditions that this program will be fully invested in cash and/or short-term bonds or bond funds to protect capital. The managers may also use inverse funds to seek profit potential and/or as a hedge.

Horizon Bond is a conservative investment approach that trades bond mutual funds, designed for conservative investors seeking stability. It is 100% invested at all times, rotating among short-, medium- and long-term bonds, high-yield bonds, corporate bonds, treasuries, and occasionally international bonds, based on perceived opportunities for better returns indicated by our Proactive Sector Rotation methodology. Our goal is to outpace the Barclays Capital U.S. Aggregate Total Return Bond Index.

If you are like most investors, you are neither as aggressive as the HCM ALP-PSR program nor as conservative as the HCM ALP-Tactical Bond Program. Which is why HCM blends these programs to offer Growth, Balanced and Conservative portfolios shown below. To maintain target allocation values, these programs are periodically rebalanced.

Naturally, there can be no guarantee that the ALP programs will achieve their investment objectives and every investment has the potential for loss as well as gain. But the HCM-BuyLine® and Proactive Sector Rotation methodology, which guide investment decisions in the portfolios, have an eight-year history of implementation, combined with extensive backtesting to provide us with an objective, mechanical methodology that avoids emotional decision making, letting the market determine buy and sell decisions.

Read the disclosure.

HCM FLEX PROGRAMS

Program: For use as a part of a custom allocation by investors who would like to pick specific types and amounts of exposure

Strategy: The HCM Flex Programs are generally used as building blocks by investors who want fine control of their allocations or have specific needs as part of a holistic financial plan. All programs use HCM's Proactive Sector Rotation methodology to target equity or bond funds the strategy indicates have the potential to meet performance objectives. The equity programs also use a HCM-BuyLine® overlay to monitor market health in a effort to determine whether or not assets should be invested in the equity market or moved to cash and/or short-term bonds or bond funds to protect capital.

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The Horizon Bond strategy trades mutual funds, remaining invested 100% of the time utilizing the Proactive Sector Rotation methodology. This program typically seeks to participate in domestic markets and sectors (but may on occasion trade global funds) using a strategy that rotates among short-, medium-, and long-term bonds; high-yield bonds; corporate bonds; convertible bonds; treasuries; and occasionally international bonds. It generally trades the PIMCO family of bond mutual funds.

The HCM Bond Plus strategy trades mutual funds, remaining invested 100% of the time utilizing the Proactive Sector Rotation methodology. This program typically seeks to participate in domestic markets and sectors (but may on occasion trade global funds) using a strategy that rotates among short-, medium-, and long-term bonds; high-yield bonds; corporate bonds; convertible bonds; treasuries; and occasionally international bonds. It generally trades the Fidelity family of bond mutual funds.

The International Plus strategy trades exchange traded funds (ETFs) using the HCM-BuyLine® and Proactive Sector Rotation (PSR) methodology. This program seeks to (1) participate in global markets and sectors by investing the portfolio in sectors the PSR methodology indicates have potential to outperform, (2) protect assets during adverse market conditions through application of the HCM-BuyLine®, and (3) outpace the MSCI Europe, Australia & Far East Net Dividends Reinvested Index (MSCI EAFE (ND)) during positive market trends. Multiple indicators are monitored to identify developing trends in the markets. It is possible under certain market conditions to be fully invested in cash and/or short-term bonds or bond funds to protect capital. The portfolio can use inverse funds as a hedge or in an attempt to capitalize on market trends.

The RYX-PSR strategy trades mutual funds, using the HCM-BuyLine® and Proactive Sector Rotation methodology. This program typically seeks to (1) participate in all markets and sectors by investing the portfolio in sectors the PSR methodology indicates have potential to outperform, (2) protect assets during adverse market conditions through application of the HCM-BuyLine®, and (3) outpace the S&P 500 Monthly Reinvested Index (S&P 500 Reinvested). Multiple indicators are monitored to identify developing trends in the markets. It is possible under certain market conditions to be fully invested in cash and/or short term bond funds to protect capital.

Read the disclosure.

HCM ALL WEATHER PROGRAM

Program: HCM All Weather Retirement Program

Suitability: For investors nearing or in retirement who are concerned with the preservation of their capital

Strategy: The HCM All Weather Retirement Program is a conservative income and growth investment approach that utilizes the HCM-BuyLine® to detect periods of greater risk in the financial markets, when assets might best be positioned in cash and/or short-term bonds or bond funds to protect capital.

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One choice may be all you need in retirement

Retirement is a goal full of excitement and anticipation, and fear – the fear that our money may run out before our time does. The volatility of the financial markets over the last ten years hasn't helped calm those fears. The HCM All Weather Retirement Program seeks consistent long term growth averaging 5% annually with low volatility, and to reduce the impact of market volatility on retirement accounts.

Howard Capital Management's HCM All Weather Retirement Program is designed for retirees and near retirees who need income plus a little bit of growth, but most of all, don't want to see their savings disappear with the next market downturn.

How does the HCM All Weather Retirement Program strive to avoid the impact of down markets? It's simple. When the financial markets turn stormy, the HCM All Weather Retirement Program heads for safety. Sometimes that means cash or bond funds, other times it may mean a move to markets or sectors our indicators tell us are experiencing calmer weather and opportunities for growth. While there can be no assurance that the Program will succeed, the HCM All Weather Retirement Program is designed to create gains regardless of market direction through the use of active management with allocations to commodities as well as to traditional equities, bonds and mutual funds. The Program also offers daily liquidity.

  • The All Weather Retirement Program doesn't need to be fully invested at all times to meet our goal - consistent long-term growth averaging 5% annually with low volatility. Any time you can reduce losses, you increase the compounding power of your funds when markets recover. If your portfolio suffers a 25% loss, you will need to gain at least 33% to recover. Limit the loss and your account recovers faster and turns further gains into growth.
  • The HCM-BuyLine® is a proprietary indicator which tells the HCM All Weather Retirement Program managers when to be in the equity markets and when not to be.
  • The HCM-BuyLine® is a reactive indicator, not proactive. Signals BuyLineChartwill lag market tops and bottoms. As a result, there will be losses, but the objective of the indicator is to limit drawdowns when markets reverse directions.
  • Continuous monitoring seeks to assure that positions are not underperforming other possible alternatives. When better profit opportunities are identified, capital is re-deployed.
  • In every decision, the goal is to remove emotions from the process and execute the HCM All Weather Retirement Program methodology objectively and mechanically. We want a statistical advantage over the market.

Does the active management approach of the HCM All Weather Retirement Program make a difference? At Howard Capital Management, we believe the answer is "Absolutely!" Investing without a means of limiting risk or without continually monitoring a portfolio for better opportunities, we maintain, is a recipe for disaster. The lack of a risk management tool to tell investors when to retreat to safety is why so many retirement portfolios were decimated and have yet to recover from the bear markets of 2000-2002 and 2007-2008.

Naturally, there can be no guarantee that the HCM All Weather Retirement Program will succeed at its objectives. All investing carries the risk of loss as well as gain, but we invite you to learn more about our methodology and why the HCM All Weather Retirement Program may be the only choice you need.

Please read the disclosure.

HCM PROFIT PUSH

Program: HCM Profit Push

Suitability: For aggressive investors seeking long term capital appreciation

Strategy: The HCM Profit Push is an individual stock investment strategy that strives to invest in top performing equities over a 12-month cycle. Portfolios are created on January 1 and run for 12 months. During those 12 months, positions that no longer meet HCM criteria will be liquidated and assets reallocated equally among the remaining positions with the objective of riding winners and cutting losers by selling positions that fail to perform as anticipated.

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Ride Your Winners, Cut Your Losses

HCM Profit Push is an investment approach that trades individual stocks, striving to target top performers each year by doing more of what is working and less of what is not working. That may sound a bit cryptic, so let us explain.

It starts with knowing the game. Howard Capital Management has been offering professional money management since 1999. We are an experienced money management firm with a proven track record. One of the lessons that experience has taught us is that a good offense or investment approach is only half the game. You must be able to hold on to your gains – that takes a defense. After years of research, we developed a systematic method of investing, based around our proprietary intermediate term indicator, the HCM-BuyLine®, that is designed to protect our clients' assets during market declines.

At the start of the 12-month cycle, which begins January 1, we screen stocks for our two Profit Push models – Large- & Mid-Cap and Small- & Mid-Cap – using nine criteria to identify stocks we believe will make up our best players. 40 – 80 stocks will be selected for each model. Each stock will initially have an equal weighting in the portfolio.

Profit Push Portfolios

Large- & Mid-Cap

Small- & Mid-Cap

Initial stocks in portfolio

40-80

40-80

Annual management fee

2.2%

2.2%

Benchmark

S&P 500 TR

Russell 2000

Now we monitor the portfolios using proprietary indicators to determine if and when we should exit a position. When a position is sold, the proceeds are evenly reinvested among the remaining positions. This methodology enforces the discipline of riding our winners and cutting the losers. At the end of 12 months, we want to own the very best stocks from the original group.

Sometimes, holding equities isn't a good idea, no matter how much you may like the individual stocks. The HCM-BuyLine® is our proprietary strategic indicator that tells us when to be in the equity markets and when not to be. If the HCM-BuyLine® dictates a move to the sidelines, Profit Push will reduce exposure to the equity market and can move to 100% cash, and/or short-term bonds or bond funds. When we return to the market, it will generally be with the same positions held previously, unless that number has become too small. In that case, we will use the original screening process to deepen the portfolio.

The HCM-BuyLine® is a reactive indicator, not a proactive one. It will not catch the first 5 – 10% of a bull or bear move. Ideally, it will avoid most of the downtrends and catch the vast bulk of the uptrends. There may be times when the use of the indicator will result in a loss when we re-enter the market. Other times there may be a modest positive impact. When severe downtrends occur, however, such as in 2000- 2002 and 2007-2008, it has the potential to make a significant difference in portfolio performance.

Naturally, there can be no guarantee that the HCM-BuyLine® indicator or the HCM Profit Push strategy will perform as anticipated. All investment approaches have the potential for loss as well as gain. What this program provides is a systematic, objective approach to investing in individual securities with both an offense and a defense. We welcome an opportunity to explain their use further and discuss the track record HCM has achieved over both bull and bear markets.

Please read the disclosure.

Howard Capital Program Performance

Active Lifestyle

Mutual Funds
Mutual Funds
Mutual Funds

Aggressive Growth

ETFs, Mutual Funds

All American

Mutual Funds
Mutual Funds

All Weather Retirement

ETFs, Mutual Funds

American Trust

Dividend Income

Mutual Funds

Federal Employee Retirement Plan

ETFs

Fixed Income

Mutual Funds

Growth

HCM 401(k) Optimizer®

Employee Defined

Heartland

Mutual Funds
Mutual Funds
Mutual Funds
Mutual Funds

ILP

Mutual Funds
Mutual Funds
Mutual Funds

Viper 2

ETFs, Mutual Funds
ETFs, Mutual Funds
ETFs, Mutual Funds

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HCM-Buyline®

Help Protect Your Assets with the HCM-BuyLine®

It is painful to watch the value of your portfolio drop, which is why we've spent years developing our proprietary HCM-Buyline® to help protect your assets. This indicator is designed to preserve capital in market downturns while seeking to outperform the major indices during market upswings. Our objective indicator is technical, working to direct us through bull and bear market trends.

Enter ticker:

The HCM-BuyLine® in a Bull Market

Our strategy is to invest capital in equities in order to take advantage of the gains a bull market can possibly bring.

The HCM-BuyLine® in a Bear Market.

Our strategy is to move clients capital to the safety of money markets and/or short term bonds.

The History

Vance Howard, Founder and CEO of Howard Capital Management, developed the HCM-BuyLine® following the 1987 stock market crash. After experiencing first-hand the pitfalls of a bear market, he developed the algorithm to calculate market trends by measuring new highs to new lows on the New York, NASDAQ and American stock exchanges. The ratios run on a 365-day basis.

Watch our Video on the HCM-Buyline®

Learn how our proprietary indicator can help you side step bear markets and maintain capital.

  • Non Emotional
  • Mechanical
  • Repeatable

Disclosures

The depicted strategy (“the Strategy”) is a hypothetical strategy which was created by applying the actual moves dictated by the HCM-BuyLine® (“BuyLine”) to the mutual fund or stock noted above (“Fund”). Specifically, the strategy assumes that the Howard Capital Management, Inc. (HCM) offers its investment methodology through multiple programs that may invest in mutual funds. There is no certainty that any investment or strategy (including the investments and/or investment strategies recommended by the advisor), will be profitable or successful in achieving investment objectives. The Strategy is an actively managed program and as such has an above-average turnover rate, which could have a negative impact upon the net after-tax gain experienced by an individual client in a taxable account. Please work with your financial advisor to determine which investment program is consistent with your financial objectives and risk tolerance. This service is available for a cost in addition to those associated with the underlying securities.

Backtesting Backtesting involves a hypothetical reconstruction, based on past market data, of what the performance of a particular account would have been had the adviser been managing the account using a particular investment strategy. Performance results presented do not represent actual trading using client assets but were achieved through retroactive application of a strategy which was designed with the benefit of hindsight. Backtested performance results have inherent limitations, particularly the fact that these results do not represent actual trading and may not reflect the impact that material economic and market factors might have placed on the adviser’s decision-making if the adviser were actually managing the client’s money. These results should not be viewed as indicative of the adviser’s skill and do not reflect the performance results that were achieved by any particular client.

Performance Results Returns are hypothetical and not based on actual implementation of the strategy. HCM's performance results: 1) are presented net of annual advisory fees of 2.2%, deducted quarterly, 2) are not net of custodial fees, and 3) reflect the reinvestment of dividends and capital gains. All performance results are unaudited and have not been independently verified.
The returns of the strategy in certain years were higher than the returns of its comparative benchmark index as a result of certain market factors and events that may not be replicated in the future. In addition, the strategy's holdings may differ significantly from the securities that comprise the benchmark. No current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by the advisor), will be profitable or equal to past performance levels. The actual performance of an individual client’s portfolio may be lower or higher than the performance of the HCM portfolio strategy due to differences in timing of contributions and withdrawals, account start date and actual fees paid. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark for measuring the performance of a portfolio. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results.
The ability of the program to position assets in cash and/or bond funds results in its returns exhibiting a considerable variation from, and lower volatility than, its benchmark returns during periods when the HCM-BuyLine® indicates higher risk for equities. During other periods, the program’s returns will generally exhibit higher volatility than those of the benchmark. S&P 500 Reinvested is a capitalization-weighted index of 500 stocks with dividends reinvested. The index is designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. The index is an unmanaged investment measure and is not available for investment purposes.

Investment Risks Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client’s investment portfolio. There are unique potential risks associated with the specific asset classes that a mutual fund represents. Investments in smaller companies typically exhibit higher volatility. In addition to the normal risks associated with investing, narrowly focused investments typically exhibit higher volatility. Bonds and bond funds will decrease in value as interest rates rise. High-yield bonds may be issued by companies which are highly leveraged, less creditworthy or financially distressed. Although these investments generally provide a higher yield than higher-rated debt securities, the high degree of risk involved in these investments can result in substantial or total losses. These securities are subject to greater risk of loss, greater sensitivity to interest rate and economic changes, valuation difficulties, and a potential lack of a secondary or public market for securities. The market price of these securities can change suddenly and unexpectedly. Commodities markets have historically been extremely volatile. Inverse funds should lose money when their benchmark indexes rise—a result that is opposite from traditional mutual funds. Inverse funds also entail certain risks, including inverse correlation, leverage, market price variance and short sale risks. Foreign investments generally incur greater risks than domestic investments and may involve risk of capital loss from unfavorable fluctuation in currency values, from differences in generally accepted accounting principles or from economic or political instability in other nations. Emerging markets involve heightened risks related to the same factors as well as increased volatility and lower trading volume.
This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission of Howard Capital Management, Inc. Advisory services offered through Howard Capital Management, Inc.

Howard Capital Forms

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Beneficiary Designation Form

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FolioFN

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Add or Change an Account

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Update Solicitor's Written Disclosure

Pershing

529 Plan Adoption Agreement

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Joint Account Agreement

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