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1. Blending various percentages of no-load mutual funds from one (or
more) no-load fund providers, Advisor develops four (or more) model
portfolios.
[Hypothetical Examples of Four Custom Portolios]:
[Your Custom Portfolio: Growth]
T Rowe Price Growth = 35%
Vanguard Growth = 65%
[Your Custom Portfolio: Balanced]
Fidelity Balanced = 40%
Vanguard Balanced = 45%
Oppenheimer Balanced = 15%
[Your Custom Portfolio: Bond]
Pimco = 25%
Vanguard Stable = 25%
Vanguard Index Bond = 50%
[Your Custom Portfolio: World]
MFS World = 10%
Vanguard Overseas =65%
Fidelity World = 25%
2. Plan Participant select one of the four custom portfolios developed
by Advisor
3. The standard Participant Investment Selection feature of 401(k) Easy
Online is suppressed, so that Participants cannot make investment
changes or see the actual names of the mutual funds the Advisor is using to
construct the custom portfolios.
4. The Advisor's assistant manually sets up investments on behalf of
the Participant in correlation with Advisor's custom portfolio
guidelines, and each Participant's portfolio selection.
Advisor's assistant manually updates investment selections as needed, to conform to changes in portfolio percentages and/or no-load fund
selections.
5. Participant's online statement reports the custom portfolio name created by the Advisor, and lists the true market value of the Participant's holdings.
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