·Brick Financial Management, LLC. manages portfolios for individuals and institutions. Should the situation require, Brick Financial will register in state of client.
2. PERFORMANCE RESULTS: METHODOLOGY
·For informational purposes, Brick Financial presents the performance of three model portfolios – Core, Equity ETF, and Fixed Income ETF – based on Brick Financial's three approaches to portfolio management. The model portfolios are presented for informational purposes only. Although Brick Financial believes the information and data in this report were obtained from sources considered reliable and correct, we cannot guarantee their accuracy or completeness. Neither this commentary, nor any opinions expressed herein, should be construed as an offer to sell or a solicitation of an offer to acquire any securities or other investments mentioned herein. Persons associated with this firm may own or have an interest in securities or investments mentioned in this presentation. Their positions may change from time to time and they may buy or sell such securities or investments. Past returns are no guarantee of future performance.
·The returns of the Core Model Portfolio are determined using a technique known as “time-weighted return on investment”. They do not represent actual trades of client portfolios although client portfolios are based on the model portfolios. Core Portfolio data is maintained at Foliofn.com. All returns figures are presented gross of fees. Inception date for the Core Portfolio is 12/6/2002.
·The returns of the Equity, Fixed Income and Balanced Model Portfolio are determined using a technique known as “time-weighted return on investment”. They do not represent actual trades of client portfolios although client portfolios are based on the model portfolios. The The Equity, Fixed Income and Balanced Model Portfolio data are maintained at Foliofn.com. All returns figures are presented gross of fees. The The Equity, Fixed Income and Balanced Model Portfolios assume a February 1, 2006 starting date.
·Returns for the Balanced Model Portfolio are determined as follows: A split investment (30% in the Core Model Portfolio, 30% in the Equity Portfolio and 40% in the Fixed Income Portfolio) is assumed to be made at the beginning of each calendar year and rebalanced every subsequent calendar year. Returns are then calculated using the time-weighted return on investment technique.
·Past performance does not guarantee future results.
·Persons associated with this firm may own or have an interest in securities or investments mentioned throughout this WebSite. Their positions may change from time to time and they may buy or sell such securities or investments.
4. AIMR DISCLOSURE
·In reporting the performance of the Model Portfolios, Brick Financial has NOT prepared the report in compliance with the performance presentation standards of the AIMR, the US and Canadian version of the Global Investment Performance Standards, GIPS. Model portfolio returns are based on a hypothetical one-time $10,000 investment into the underlying securities. They are not based on actual trades in client accounts, although, client accounts are based on the Model portfolios. The AIMR has not been involved in the preparation or review of this report.
5. INDEX DEFINITION
·The index and mutual fund data comes from several sources including Wilshire, Standard and Poor’s and The Wall Street Journal. (Lipper Mutual Fund Averages). The Wilshire 5000 Index is a market capitalization weighted index measuring all stocks regardless of size as long as they are traded on a major U.S. exchange. The Wilshire 5000 returns are from 12/1/2002. The Wilshire 4500 Index is a market capitalization weighted index measuring small and mid-cap stocks. It is constructed using the Wilshire 5000 with the companies of the S&P 500 removed. The Wilshire 4500 returns are from 12/1/2002. The Wilshire 5000 and 4500 are trademarks of the Wilshire Corporation. The S&P 500 Index is a market capitalization weighted index of 500 large-sized stocks. The index is designed to measure changes in the economy and is representative of most major industries. S&P 500 is a trademark of the Standard & Poors Corporation. The inception date for the S&P 500 is 12/1/2002. The Average U.S. Equity Mutual Fund data is from Lipper Research and is published in The Wall Street Journal.. Mutual fund returns are from 12/1/2002.
·Vanguard® Balanced Index Fund seeks with 60% of its assets to track the investment performance of a benchmark index that measures the investment return of the overall U.S. stock market. With 40% of its assets, the fund seeks to track the investment performance of a broad, market-weighted bond index. Made up of two unmanaged benchmarks, weighted 60% Dow Jones Wilshire 5000 Index and 40% Lehman Aggregate Bond Index through May 31, 2005; 60% MSCI US Broad Market Index and 40% Lehman Aggregate Bond Index thereafter. Mutual fund returns are from 2/1/2006.
Investors cannot invest directly in an Index. Thus reported returns of the Index do not include fees.
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Disclaimer·The information contained on Brick Financial Management’s web site is solely for informational purposes and is not intended to be relied upon as a source of investment advice. While every effort has been made to offer the most current and correct information possible, inadvertent errors can occur. Although Brick Financial believes the information and data in this report were obtained from sources considered reliable and correct, we cannot guarantee their accuracy or completeness. No commentary that appears here, or any opinions expressed herein, should be construed as an offer to sell or a solicitation of an offer to acquire any securities or other investments mentioned herein. Persons associated with this firm may own or have an interest in securities or investments mentioned in this presentation. Their positions may change from time to time and they may buy or sell such securities or investments. Past returns are no guarantee of future performance.
·Brick Financial Management disclaims any responsibility for financial decisions made by taxpayers or investors in their individual cases or for any misunderstanding of this information on the part of the site users. Brick Financial Management is a investment advisor in the state of New Jersey (as of ). Brick Financial will review if registration in the state of residence of the client is necessary and then act accordingly.
·By virtue of the use of this site, the site user agrees to release and hold Brick Financial, the author , agents and representatives thereof harmless from any and all claims, demands, and causes of action of any kind or nature whatsoever now and in the future arising out of or in connection with the use of this site or the information provided herein.
·The information on this WebSite is not intended for individuals or entities that reside outside of the United States.
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On November 13, 2000 the SEC adopted Regulation S-P, privacy rules promulgated under Section 504 of the Gramm-Leach-Billey Act, which requires the investment advisor to protect “nonpublic personal information” about their customers from being distributed to nonaffiliated third parties unless consent has been specifically granted by the Client.
Brick Financial is committed to safeguarding the confidential information of its clients. We hold all personal information provided to our firm in the strictest confidence. These records include all personal information that we collect from you in connection with any of the services provided by Brick Financial.
All information furnished by Client to Brick Financial, including Client's identity, shall be treated as confidential. Brick Financial agrees not to voluntarily disclose confidential information without Client's prior consent (unless required by law, court order or agency directive, or unless Brick Financial expects, in its reasonable opinion, that it will be compelled by a court or government agency, or unless such information becomes publicly available or known other than as a result of actions of Brick Financial). In the event Brick Financial is compelled to disclose confidential information by legal process, Brick Financial will attempt to give prior written notice to Client.
Our policy with respect to personal information about you is listed below.
This web site is intended for residents of the United States only.
This website does not attach a cookie (a small text file that is written to the user's hard disk without the user's knowlege or permission) or other Brick device on the computer used by or associated with any website visitor.
Brick Financial Management, LLC. does not sell, rent, loan, trade, give, barter, or lease to anyone the name, mailing address, e-mail address, or other personal information of any Brick client/shareholder, user of this website, or investment professional who works with Brick.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain and record information that identifies each person who opens an account. When you open an account we will ask you for your name, address, date of birth and any other information that will allow us to identify you. We may ask you for your driver’s license, password or other identifying documents.
We limit employee access to information only to those who have a business or professional reason for knowing, and only to nonaffiliated parties as permitted by law. (For example, federal regulations permit us to share a limited amount of information about you with a brokerage firm in order to execute securities transactions on your behalf.
We maintain a secure office and computer environment to ensure that your information is not placed at unreasonable risk.
The categories of nonpublic information that we collect from a client depend upon the scope of the client relationship. It will include information about your personal finances, transactions and accounts with other financial institutions, wills, trusts, and any other financial documents needed in the financial planning process.
For unaffiliated third parties that require access to your personal information, including financial service companies, consultants, and auditors, we also require strict confidentiality in our agreements with them and expect them to keep this information private. Federal regulators may also review firm records as permitted by law.
We do not provide your personal identifiable information to mailing list vendors or solicitors for any reason.
Year-end account information, requested on your behalf (e.g., client accountant, attorney, etc.) will only be released upon receiving your prior approval. At no time, shall such information be released without authorized approval.
Personal identifiable information about you will be maintained during the time you are a client, and for the required time thereafter that such records are required to be maintained by federal securities laws, and consistent with the CFP Board Code of Ethics and Professional Responsibility and the CFA Institute Code of Ethics. After this required period of record retention, all such information will be destroyed.
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Copyright:·Brick maintains copyright protection for all its writings and images that are placed on this WebSite, prepared for distribution through this WebSite, or placed elsewhere on the Internet.
·License is hereby given to download one copy of the material on this WebSite for personal, non-commercial home use without modification, and to e-mail pages of this WebSite. Any other distribution, republishing, posting, or transmittal of any or all material on this WebSite requires the prior, written consent of Brick. If you are media personnel, please contact Brick for additional information at firstname.lastname@example.org.
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No Warranties:·Brick strives to provide accurate and timely information on this WebSite, but there may be inadvertent technical or factual inaccuracies or typographical errors in these materials, for which we apologize.
·Brick reserves the right to make additions, changes, and corrections to this WebSite with or without notice of the same. BRICK does not guarantee that the material on this WebSite will be updated or otherwise changed in a timely manner.
·BRICK provides hyperlinks (links) to third-party WebSites only as a convenience to you. The fact that BRICK provides a link is not an endorsement, authorization, sponsorship, or affiliation by BRICK to that WebSite, its owners, or its providers. BRICK is not responsible for the content or privacy practices of these other entities.
·Links and all other material on this WebSite or published in connection with this WebSite, are published AS IS and WITHOUT WARRANTIES of any kind, express or implied, including warranties regarding the accuracy or completeness of the material published, warranties of merchantability and fitness for a particular purpose, and warranties arising from a course of dealing, usage, or trade practice.
·BRICK will not be liable for any damages whatever, including special, indirect, incidental, or consequential damages such as lost profits, lost data, or business interruption, arising out of or in connection with the use, inability to use, interruption of use, results of use, or interpretation of material contained on this WebSite, linked to this WebSite, or distributed in connection with this WebSite. Decisions based on any of these materials are your sole responsibility. It is your responsibility to take precautions to ensure that whatever you select from the World Wide Web for your use is free of viruses, worms, trojan horses, and other items of a destructive nature.
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E-Mail:·Electronic mail (e-mail) submitted through this WebSite must not be considered either secure or confidential, because the World Wide Web through which it travels is not a secure medium.
·E-mail submissions are not guaranteed to be received by BRICK or any of it's associates.