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		"The Harvest Process"

Investment management can be successful only if it meets the specific needs and objectives of each client. Abundance works with you to understand thoroughly your current situation and future goals and develops an individual investment policy accordingly. We call this stage of our process “The Harvest.”

The Harvest involves the implementation of a four-part strategic and tactical process called the Investment Protocol:

We define objectives
We formulate an investment policy and allocate assets
We select appropriate investments
We report, recommend, and reallocate

Defining Objectives:

When defining investment objectives, we listen to you while also looking beyond the investment goals you have identified to incorporate your unique personal circumstances and wealth management issues. In formulating your customized investment program, Abundance will consider data relating to your individual circumstances such as:
Quantitative Data

Assets and liabilities
Cash inflows and outflows
Current insurance policies
Retirement benefit or pension plans
Tax returns over the past several years
Details on current investments
Client-owned business information
Existing wills and trusts
Lifetime gifting programs

Qualitative Data

Personal goals
Profile of family and health status of client and family
Interests and hobbies
Expectations about employment
Risk tolerance level
Anticipated changes in current or future lifestyle

Analyzing these items allows us to establish and maintain an investment policy that is tailored specifically to you.

Formulating Policy and Allocating Assets:

Once objective constraints and risk tolerances have been defined, Abundance will formulate a customized asset allocation that is designed to meet your goals. Risk reduction through diversification is the focal point of our asset allocation strategy. Our asset allocation models have been back tested to guide us in the weightings of various asset classes. Asset classes you may expect to see in a portfolio include:

Government, corporate and municipal bonds
Domestic equities – large cap, mid cap and small cap
International equities
Commodities
Private equity
Hedge funds
Real estate investment trusts

Once a strategy and allocation are approved, a time line for implementation of the plan is established to help minimize any transitional tax effects. Allocations are reviewed and compared on an ongoing basis. Should your circumstances or objectives change over time, the policy may need to be amended and assets reallocated.

Selecting Investments and Managers:

Abundance will manage many of your investments internally, but we also utilize outside managers for holdings such as small cap and international investment funds. Outside managers are screened carefully and Abundance maintains ongoing due diligence on these companies and managers.

The integrity of managers coupled with performance is the ultimate and deciding factor in manager selection. Our selection process involves both quantitative and qualitative review processes. We screen and evaluate based on variables such as valuation, growth, yield, tax efficiency, and a variety of other attributes including consistency of style, manager and team tenure, and the use of sustainable and consistent investment processes.

Reporting, Recommending, and Reallocating:

Abundance takes a proactive approach to reviewing investment performance with you, as well as discussing any changes in your objectives as they relate to your investment policy and related wealth issues. The continuing execution of your investment policy is a dynamic process based on changing market conditions and personal circumstances, as well as the performance results of the portfolio.

While the investment protocol has held constant over the long term, deviations from the policy will occur. In this event, Abundance will rebalance your portfolio to the desired investment allocation in order to exercise discipline with regard to investment objectives, risk management, and maintaining exposure to undervalued asset classes. Alternatively, when short-term market conditions and evaluations indicate, opportunistic asset allocation redistribution may be appropriate to capture relatively high return expectations in certain markets. It is the ongoing rejuvenation of the portfolio that is a key component to reaching your financial goals and objectives.

Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 18 Corporate Woods Blvd. Albany, NY 12211