Global Portfolio Series

Structured Investing

In An Unstructured World

Structured Investing

In An Unstructured World

Structured Investing Global Portfolio Series

For many of us, the success of our portfolios is tied up with our most deeply held dreams and aspirations. That is why it is important to work with a trusted financial advisor and follow a deliberate and thoughtful investment process.

With Structured Investing, the noise and confusion of the markets can be muted by simplicity, prudence and confidence.

Based on Nobel Prize winning economic research, eighty years of market data, behavioral finance studies, and the expertise of a pre-eminent institutional investment manager, Structured Investing is a rational, comprehensive approach to portfolio management designed to help you achieve your lifetime financial goals.

Structured Investing Global Portfolios seek, over time, to produce expected returns in line with your stated investment objectives, income/liquidity requirements and risk tolerance. There are six globally-diversified portfolios:

• Defensive• Conservative• Balanced• Moderate• Capital Appreciation• Equity

The primary difference between each portfolio is the percentage allocated to fixed income — which is intended to dampen volatility and generate income (if needed).

With a 40% equity allocation dedicated to international markets, all six portfolios in the Global Portfolio Series are designed for investors who are comfortable with international investing and its potential opportunities for diversification and long-term growth.

Historically, value-oriented and small capitalization securities have offered considerable potential for long-term growth based on the amount of risk an investor is willing to take; therefore, the Global Portfolio Series features significant small cap and value allocations.

Your financial advisor will help you select and implement the right Structured Investing Global Portfolio for your particular situation. Working together you can build a strong investment foundation for your future.

Instructions

To help determine which Structured Investing Global Portfolio is most suitable for you, please answer the three questions on the next page and record your answers in the “Calculate Your Score” section at the bottom. Then on the back page, map your final score to the corresponding portfolio.

Note: If you anticipate a withdrawal greater than 20% of your portfolio within the next five years, you should consider a separate portfolio for those assets.

Name: Date:

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Portfolio Selection Questionnaire

Calculate Your Score

Calculate your score here and determine your model portfolio on the back cover:

Score

1. Time Horizon _____

2. Income Requirements _____

3. Risk Tolerance _____

Total:

1. Time Horizon

For how long do you plan to invest before you begin making substantial withdrawals (greater than 5% annually) from this portfolio? Score q Less than 1 year 6 q 1-5 year 8 q 5-10 years 10 q 10-15 years 12 q 15-20 years 15 q 20 years or more 17

2. Income Requirements

What are your current income requirements from this portfolio per year? Score q 6% plus* 6 q 5-6% 8 q 4-5% 10 q 2-4% 12 q 0-2% 15 q 0% 17 Historical data indicates that distribution rates in excess of 6% per year, adjusted for inflation, are typically difficult to sustain over time. Source: Center for Research of Security Prices, December 2008.

3. Risk Tolerance

Below is a series of hypothetical portfolios with best potential gains, worst potential losses and average returns. Note that the portfolio with the best potential gain and average return also had the largest potential loss. Which portfolio would you be most comfortable owning?

Worst Returns

q Defensive 37

q Conservative 50

q Balanced 60

q Moderate 75

q Aggressive 87

q Very Aggressive 100

Score Average Returns Best Returns

For illustrative purposes only.0% 20% 40% 60% 80%-60% -40% -20%

65%

55%

45%

40%

35%

30%

12%

11%

10%

9%

8%

7%

-50%

-40%

-30%

-20%

-15%

-10%

4 © 2009 LWI Financial Inc., (“Loring Ward”). All rights reserved. Securities offered through Loring Ward Securities Inc., member FINRA/SIPC. 07-456 (9/09)

Defensive73% Cash & Fixed Income, 27% Equity The objective of this portfolio is to provide capital preservation by investing in a portfolio of primarily fixed income. It is designed for those who are most comfortable with a conservative approach and have a lower tolerance for portfolio fluctuations. The investment time horizon is typically three years or greater.

Conservative60% Cash & Fixed Income, 40% Equity The objective of this portfolio is to provide capital preservation and limited growth of capital by investing in a portfolio of primarily fixed income with some exposure to equity. It is designed for those who are most comfortable with a conservative growth approach and have a lower tolerance for portfolio fluctuations. The invest-ment time horizon is typically 3-5 years or greater.

Balanced50% Cash & Fixed Income, 50% Equity The objective of this portfolio is to provide a balance between capital preservation and capital appreciation. It is designed for those who are most comfortable with a balanced approach to growth and have an average tolerance for portfolio fluc-tuations. The investment time horizon is typically 5-10 years or greater.

Moderate34% Cash & Fixed Income, 66% Equity The objective of this portfolio is to provide long-term capital appreciation by invest-ing in both fixed income and a greater amount allocated to equity asset classes. It is designed for those who are seeking a growth-oriented portfolio and have a moderate tolerance for portfolio fluctuations. The investment time horizon is typically 10-15 years or greater.

Capital Appreciation15% Cash & Fixed Income, 85% Equity The objective of this portfolio is to provide long-term growth of capital. It is designed for those interested in maximizing growth potential and willing to assume a higher level of risk to potentially achieve greater returns. These investors should have a long-term investment horizon and be able to withstand substantial fluctuations in portfolio value. The investment time horizon is typically 15-20 years or greater.

Equity1% Cash, 99% Equity The objective of this portfolio is to provide long-term growth of capital. It is designed for those interested in maximizing growth potential and willing to assume a higher level of risk to potentially achieve greater returns. These investors should have a long-term investment horizon and be able to withstand substantial fluctuations in portfolio value. The investment time horizon is typically 20 years or greater.

58 points or lessCash 4%Fixed Income 69%U.S. Market 5%U.S. Value 5%U.S. Small 3% International Large Value 8%International Small 3%REITs 3%

59 to 74 pointsCash 3%Fixed Income 57%U.S. Market 9%U.S. Value 7%U.S. Small 5% International Large Value 12%International Small 4% REITs 3%

75 to 92 pointsCash 3%Fixed Income 47%U.S. Market 11%U.S. Value 9%U.S. Small 7%International Large Value 12%International Small 5% Emerging Markets 3%REITs 3%

93 to 108 pointsCash 2%Fixed Income 32%U.S. Market 14%U.S. Value 12%U.S. Small 10%International Large Value 16%International Small 7% Emerging Markets 3% REITs 4% 109 to 125 pointsCash 2%Fixed Income 13%U.S. Market 18%U.S. Value 15%U.S. Small 13% International Large Value 22%International Small 9% Emerging Markets 3% REITs 5% 126 to 134 pointsCash 1%U.S. Market 21%U.S. Value 18%U.S. Small 15% International Large Value 26%International Small 10% Emerging Markets 4% REITs 5%