IMPORTANT DISCLOSURE INFORMATION
iSectors® is a series of proprietary asset allocation models and services. iSectors, LLC is an affiliate of Sumnicht & Associates, LLC and, as such, iSectors and Sumnicht share certain employees' services. iSectors became registered as an investment advisor in August 2008. iSectors allocation models are only available through registered investment advisors. iSectors® is a registered trademark of Sumnicht Holdings, LLC.
The contents of this presentation are for informational purposes only. This is neither an offer nor a solicitation to buy and/or sell securities. Information pertaining to iSectors' advisory operations, services, and fees is set forth in its current disclosure statements (Form ADV Part II and Schedule F), a copy of which is available upon request.
iSectors’ allocation models are not guaranteed and involve risk of loss. At any given point in time, the value of iSectors allocation model portfolios may be worth more or less than the amount invested. Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including the investments and/or investment strategies devised or undertaken by iSectors) will be either suitable or profitable for a client's or prospective client's portfolio.
Past performance is not a reliable indicator of future results. Therefore, no current or prospective client should assume that future performance will be profitable, or equal either the performance results reflected or any corresponding historical index. Asset allocation and diversification concepts do not ensure a profit nor protect against loss in a declining market.
Performance results for the iSectors model(s) presented herein for the corresponding time periods noted reflect hypothetical (pro forma), back-tested results that were achieved by means of the retroactive application of a back-tested model and, as such, the corresponding results have inherent limitations, including: variances in account holdings, market fluctuation, the date on which a client engaged iSectors services, regular model rebalancing and/or updates, and/or the timing of account contributions and withdrawals, as well as the following:
(1) Model results do not reflect the results of actual trading using client assets, but were achieved by means of the retroactive application of each of the above-referenced model(s);
(2) Back-tested performance may not reflect the impact that any material market or economic factors might have had on the advisor’s use of the model(s) if the model had been used during the period to actually manage client assets; and,
(3) For various reasons (including the reasons indicated above), iSectors clients may have experienced investment results during the corresponding pro-forma time periods that were materially different from those portrayed in the model.
Hypothetical (pro forma) and actual composite performance results reflect the reinvestment of dividends and other account earnings and do not reflect the impact of taxes. Performance results have been reduced by 0.60%, including a 0.30% annual iSectors management fee and estimated transaction, custodial, and platform fees of 0.30%, based upon accounts equal to or greater than the recommended minimum $100,000 investment on platforms charging .15% and using custodians that also charge a 0.15% annual fee for transactions.
For reasons including platform provider and custodian utilized, as well as variances in portfolio account holdings, market fluctuation, the date on which a client engaged iSectors’ services, regular model rebalancing and/or updates, and timing of account contributions and withdrawals, the underlying fees of a specific client's account may vary from these estimates. ERISA (group retirement) accounts may be subject to additional recordkeeping and/or administrative fees. iSectors investment allocation models are only available through registered investment advisors, who will charge an additional fee for their advisory services. For information about the fees that pertain to your account check with your advisor.
You should not assume that any discussion or information contained in this presentation serves as the receipt of, or as a substitute for, personalized investment advice from an investment professional.
This presentation has not been reviewed, submitted for review before, or otherwise approved by FINRA, the SEC, or any state or provincial securities administrator.
The information provided in this material should not be considered as a recommendation to purchase or sell any particular security. There is no assurance that any securities discussed herein will remain in an account's portfolio at the time you receive this report or that securities sold have not been repurchased. It should not be assumed that any of the securities transactions or holdings discussed was or will prove to be profitable, or that the investment recommendations or decisions we make in the future will be profitable or will equal the investment performance of the securities discussed herein. The foregoing reflects the thoughts and opinions of iSectors, LLC and is subject to change without notice.
