Mike Organ

Compass Efficient Model Portfolios' (Compass EMP) is based exclusively on the use of ETFs to capitalize on investment opportunities in a variety of global growth and income markets at a low cost. Asset classes available in the Compass EMP portfolios include: US core stocks, international core stocks, international emerging markets, hedging alternatives, US REITs, International REITs, diversified global currencies, diversified global commodities, US core bonds, inflation protected bonds, international core bonds, municipal bonds, preferred securities and cash. The Compass EMP portfolios focus on traditional and enhanced indexed ETFs and seek to capture improved risk-adjusted returns over the long-term. Compass EMP utilizes an investment process that employs global diversification among many low to negative correlating asset classes. The purpose of the portfolios is to provide lower volatility with similar or greater return over a full market cycle compared to the broad market indexes. The global indexing asset allocation strategy is designed to produce high positive risk adjusted returns (alpha) versus a broad market index over time. The Compass Efficient Model Portfolios are based on the CEMP ETF Index Methodology. Investments in all asset classes and market ETFs are considered unless liquidity dictates otherwise. Portfolios are invested only in broad market indexed ETFs. Country specific indexed ETFs are not considered unless a particular country represents 25% or more of the world market. Compass EMP portfolios include only quality investment grade bond ETFs. The firm analyzes possible asset class correlations over various rolling time frames and establishes restrictions and constraints for all asset classes in an attempt to limit risk and achieve the return objectives for each asset allocation model. Compass EMP also employs comprehensive efficient frontier analysis to optimize risk versus reward. Compass EMP's rebalancing policy is based on market movements, rather than specific dates on the calendar or attempts to time the market. Their rebalancing policy forces a buy low/sell high strategy. The firm offers the following strategies as separately managed accounts: Compass EMP Global Income, Compass EMP Conservative Growth, Compass EMP Conservative-to-Moderate, Compass EMP Moderate Growth, Compass EMP Moderate-to-Aggressive, Compass EMP Long-Term Growth and Compass EMP Alternative Investment Portfolio. Compass EMP's mutual funds include: the Compass EMP Multi-Asset Growth Fund (LTGAX, LTGCX, LTGTX), the Compass EMP Multi-Asset Balanced Fund (CTMAX, CTMCX, CTMTX) and the Compass EMP Alternative Asset Fund (CAIAX, CAICX, CAITX). The Compass EMP Multi-Asset Growth Fund seeks to achieve long-term capital appreciation. The Compass EMP Multi-Asset Balanced Fund's primary objective is to achieve current income, with capital appreciation as a secondary objective. The Compass EMP Alternative Asset Fund seeks to achieve long-term capital appreciation with current income as a secondary objective.

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Provides investment advice