A Five-Step Approach

The asset management approach is a proven blueprint that reduces risk while enhancing the potential for return on your investments.*

Step 1 - Understanding your goals and needs
Your People's Financial Advisor will develop a personal profile of your individual investment needs and goals, time horizon, and risk tolerance toward investing through one-on-one discussions with you. This process will include an evaluation of your needs in such areas as life insurance, retirement planning, college savings, trust services, and estate planning.

Step 2 - Formulating your asset allocation strategy
Your People's Financial Advisor will develop a personalized asset allocation plan based on your needs and goals. This plan will work to enhance your investment returns relative to your risk tolerance by carefully diversifying your investment allocations.

Step 3 - Assembling a diverse team of money managers
Your asset allocation plan will then be implemented by investing in a well-diversified portfolio that is managed by a team of highly qualified institutional money management firms not normally accessible to an individual investor.

Step 4 - Monitoring and rebalancing your portfolio
Your investment portfolio will be carefully monitored on an ongoing basis to ensure that it remains consistent with your agreed-upon asset allocation plan. If the balance of investment classes in your portfolio changes over time, we will adjust it to fit your intended asset allocation.

Step 5 - Reporting and analyzing your progress
Your People's Financial Advisor will communicate with you on a regular basis and provide a comprehensive reporting package. You will receive account-level performance reports and statements providing details of your account--including total asset value and a record of all transactions that occurred during the reporting period. Your advisor will also keep an eye on your financial "big picture" and monitor any changes in your needs regarding insurance and other investments.

Meet with a Financial Advisor to learn more about how this program can help you or call us at 1-800-392-3009.

*These are investment advisory services subject to the Investment Advisers Act of 1940.

People's Financial Advisors is a division of People's Securities, Inc. Investments & Insurance are available through People's Securities, Inc. (member FINRA and SIPC), a subsidiary of People's United Bank.