Suitable for most investors. Provides full-time professional investment management by internal and external investment managers. You choose the manager(s) most aligned with your style.

Upon signing an agreement with us, you begin paying quarterly installments of an all-inclusive annual fee. This fee covers your Financial Advisor's consulting services, a personalized Investment Policy Statement, the investment manager search and referral process, the investment manager(s) fee, quarterly performance monitoring, custody charges, commissions and the cost of liquidating listed stocks or bonds.

The minimum account size is $100,000 for all asset classes. There is a $250,000 minimum, however, if your portfolio is limited to municipal bond investments.

Geared toward investors who have unique investment needs and who require more than occasional contact with their investment manager(s). Provides full-time professional investment management by independent investment managers. You choose the manager(s) most aligned with your style. The program offers you an objective, consultative investment approach tailored to help meet your specific financial needs.

Upon signing agreements with us and with your investment manager(s), you begin making separate payments. Program fees cover the costs of a personalized Investment Policy Statement, the investment manager search and referral process, quarterly performance monitoring, custody charges, commissions and the cost of liquidating listed stocks or bonds. Investment manager fees, which are negotiated separately, are determined as follows:

	With a based-fee option, the investment manager's fee is based on the aggregate amount of assets in your account.
	With the directed brokerage option, the investment manager's fee is expressed as commission costs for transactions made in your account.

Each investment manager sets a minimum account size. Some establish minimums of $100,000, while others set higher minimums.

Intended for investors interested mostly in mutual funds and low initial investments. Provides you with a process-oriented approach to mutual fund investing. You may invest in a structured portfolio of multiple external mutual funds. These funds offer full-time professional investment management by independent investment managers. You choose the manager(s) most aligned with your style. The program offers you an objective, consultative investment approach tailored to help meet your specific financial needs.

Upon signing an agreement with us, you begin paying quarterly installments of a comprehensive annual consulting fee. This fee covers asset allocation, fund analysis, automatic rebalancing (if you select this feature), comprehensive reporting and your Financial Advisor's personal service but does not include normal fund expenses.

The minimum account size is $10,000.