Featuring Portfolio Management by Our investment strategies are built speci cally to match your nancial plan. Starting with your goals, cash ow needs and time-horizon, we create a customized portfolio that seeks to provide pension-like predictable cash ows and growth that will supplement your income in later years. Investment Strategies The De ned Income Portfolio takes lessons from the pension world to engineer income matching portfolios that generate predictable cash ows to meet your future spending needs. Matched to Cash Flow Needs Protects Principal Dynamically Rebalances De ned Income Portfolios The Growth Portfolio portfolio links investments to your time horizon while utilizing modi ed Von Neumann algorithms to nd the global asset allocation that seeks to provide you with better downside performance during tumultuous markets. Income Aligned Time Targeting Globally Diversi ed Minimax Principles Growth Portfolios The Critical Path® is a decision making framework and reporting system that intuitively re ects the progress your de ned income portfolio and the growth portfolio are making towards the goals laid out in your nancial plan. Critical Path® System Client Speci c Benchmarking Goals-based Reporting Intuitive Decision Making At some point, we will all have to replace the income from our jobs. We take lessons from the pension world to engineer income matching portfolios that seek to deliver a predictable set of cash ows to meet your future spending needs. De ned Income Portfolios Key Bene ts: - Links directly to the nancial plan - Creates a “retirement paycheck” Matched to Cash Flow Needs We don’t t you into a few generic model portfolios. Instead, we analyze your nancial plan and construct a customized portfolio that is directly linked to your future cash ow needs. - Establishes a deferred income strategy Individual bonds can protect principal in a way bond funds cannot. Bond funds are susceptible to lower returns and even losses when interest rates rise. By using individual bonds, we can protect principal by holding them to maturity. Protects Principal Key Bene ts: - Manages interest rate risk - Keeps you in control of your assets - Less susceptible to market pressures Using your customized benchmark (the Critical Path®) to drive the decision to extend your income portfolio, we can be opportunistic and take money off the table when the stock market has done well or ride through rough markets without being forced to sell at the wrong time. Dynamically Rebalances Key Bene ts: - Creates a perpetual income stream - Unique goals-based benchmarking - Ability to adjust with circumstances Growth Portfolios We structure the growth portfolio so that you have better downside performance during tumultuous markets. From our research, we believe in three underlying principles that seek to provide you with the predictability you desire during uncertain times. Key Bene ts: - Built to meet time-based goals - Uses time to de ne portfolio risks Income Aligned Time Targeting We select investments for the growth portfolio that align with your time horizon and Income Portfolio. Doing so, we seek to improve your probability of success during periods of signi cant market turmoil. - Synchronizes with the Income Portfolio We weight asset class allocations to improve the probability of success and manage for downside risk and in ation. We adjust your portfolio’s exposure to domestic, developed and emerging equity markets and select alternative assets to t when you plan on spend- ing out your portfolio. Global Diversi ed Asset Classes Key Bene ts: - Seeks to manage downside risk and in ation - Provides broad diversi cation at a low cost - Targets speci c asset class exposure We utilize mathematical formulas derived from the “minimax” principle created by John Von Neumann. By seeking to improve the worst case returns, our approach looks to help your portfolio go down less when markets are bad so that you can hopefully recover sooner and get your plan back on track. Minimax Principles Key Bene ts: - Aligns downside risk with your time horizon - Uses time to improve long-term prospects - Reduces drawdown in poor markets The Critical Path® is all about you. Your nancial goals, your time horizons, your portfolio. The decision making framework and reporting system is speci c to your unique situation and is exible enough to re ect all the changes along the way. Critical Path® System Key Bene ts: - Links your investments to your goals - Creates a benchmark for a lifetime Client Speci c Benchmarking Using the goals laid out your nancial plan and their corresponding investments, we create your Critical Path® that uniquely benchmarks your success in relation to your long-term nancial goals. - Tracks progress in relation to your plan The Critical Path’s® goals-based reports keeps you focused on your progress towards your long-term goals. Instead of reporting your portfolio’s performance relative to benchmarks like the S&P 500 that have nothing to do with the speci c goals in your nancial plan, the Critical Path® reports how you are doing relative to your plan. Goals-based Reporting Key Bene ts: - Keeps the focus on long-term goals - Provides powerful historical context - Helps reduce your short-term anxiety The Critical Path® isn’t just about reporting where you are relative to your goals. Its main purpose is to help you make decisions about where you are going and what you need to do in order to improve your chances of reaching your goals. It is an ongoing process to help steer you out of trouble and get them most you can out of retirement. Intuitive Decision Making Key Bene ts: - Brings clarity to decision making - Shows the impact of nancial choices - Aligns your investments with your goals Asset Dedication, LLC is a portfolio engineering rm that partners exclusively with selected nancial advisors to design dedicated investment strategies customized to the individual needs of each person. Customization is the cornerstone of the Asset Dedication approach, creating investment strategies unique to each person and each situation. Portfolios are built to client speci cations to accurately determine how much of a portfolio should be dedicated to supplying cash for the short run, providing income for the intermediate term, and generating growth for the long term. The portfolio is then monitored using the Critical Path® system to make sure it stays on target. Asset Dedication, LLC is a registered investment adviser located in Mill Valley, CA. Asset Dedication and its representa- tives are in compliance with the current ling requirements imposed upon registered investment advisers by those states in which Asset Dedication maintains clients. Asset Dedication may only transact business in those states in which it is registered, or quali es for an exemption or exclusion from registration requirements. For information pertaining to the registration status of Asset Dedication, please contact the Securities and Exchange Commission. A copy of Asset Dedication’s current written disclosure statement discussing Asset Dedication’s business operations, services, and fees is available from Asset Dedication upon written request. Asset Dedication does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaliated third party advisor that recommends the services of Asset Dedication. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any speci c investment or investment strategy (including the investments and/or invest- ment strategies recommended or undertaken by Asset Dedication) made reference to directly or indirectly by Asset Dedication in its literature or otherwise will be pro table or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any speci c invest- ment will either be suitable or pro table for a client or prospective client’s investment portfolio. Historical perfor- mance results for investment indices and/or categories generally do not re ect the deduction of transaction and/or custodial charges, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. Disclosures