UMA - The Financial Cavalry

Tailored to Suit You

For investors who want or need a relatively customized and tax-efficient approach to creating a diversified investment portfolio, separately managed and unified managed accounts may help you achieve that goal.

Cavalry enlists the help of Envestnet wealth management platform and UMA offering a diversified, tax-aware, multiple-asset portfolio into a single account whose contents are designed to meet your specific investment needs. helps clients with advanced wealth management needs create an investment account management program designed to suit the way you prefer to invest. to assist clients with particular wealth management needs, we provide customized investment strategies tailored your plan sponsor clients, we support Unitized Managed Accounts (UMAs) as a part of our open architecture investment framework.

Fees could also be waived for the primary four UMAs in each plan account within the TD Ameritrade pension account. UMAs allow independent Registered Investment Advisors (RIAs) to supply custom portfolio solutions to corporate programme clients. By leveraging the facility of model portfolios that are unitized daily, UMAs enable RIAs to deploy customized investment strategies on behalf of their plan sponsors and participant

What Is a Separately Managed Account (SMA)?

A Separately Managed Account (SMA) is an individual portfolio of investments administered by a professional money manager on behalf of a client. The individual investor retains complete control over the assets and can direct the money manager to modify their portfolio as needed.

You can customize it according to specific investment goals and preferences. You may choose between hundreds of stocks, bonds, and other securities to create a unique portfolio tailored to your financial objectives.

SMAs differ from other investments, such as mutual funds and exchange-traded funds (ERFs), in which your funds are held together in one pool with other investors’ funds.

Institutional or affluent retail investors typically use SMA. These investors usually have at least six figures to invest and seek to collaborate with a professional money manager to focus on a single, personalized investing goal.

Customization

Depending on your risk tolerance, long-term financial goals, and personal values, you can customize the mix of stocks, bonds, and other securities in your SMA portfolio

Envestnet ONE is a UMA that provides enhanced control, convenience, and performance—allowing you and your advisor to build customized portfolio model specifically for you. You may choose from more than 4,000 investment products to fund each asset class and tailor your allocations within your own fund. You get a robust set of portfolio management capabilities as well as simplified account maintenance that combines separately managed accounts, third-party strategists, ETFs, mutual funds, or a combination in one single convenient account. This eliminates the need for multiple sets of paperwork with one registration and one 1099 form. Systematic rebalancing, coordinated tax harvesting, and single-schedule fee billing eases your administrative burdens. Envestnet ONE allows you to build and manage your own portfolio models using asset allocations that you create using any combination of 28 asset classes, leaving the trading and rebalancing tasks to us.

With the Envestnet ONE account, you can:

Select a risk profile and method to create the asset allocation
Choose from 4,000+ products to fill investment sleeves

View a variety of analyses of the customized model
View the trade history of the models

Asset Allocation Tailored to Your Goals Finding the right balance for your investment assets is one of the key decisions you face as an investor. An appropriate asset allocation strategy can help create a portfolio that is designed to seek the highest potential return for a corresponding level of expected risk, as measured by fluctuations in the value of the portfolio over time. Consulting Group, the investment advisory arm of Charles Schwab, draws on the guidance of the GIC to create strategic and tactical asset allocation models. These models are designed to suit your financial needs and objectives and are adjusted, as needed, in response to changes in the capital markets over time. Within Select UMA, you can select one of these models or, with help from your Financial Advisor, design a customized asset allocation model tailored to your specific needs. Your asset allocation strategy will be implemented across a spectrum of asset classes including equities, fixed-income and alternative investments.6

Comprehensive Process for Manager Analysis You have access to the intellectual capital of approximately 45 professionals experienced in evaluating the more than 1,100 mutual funds, SMAs and ETFs available within Select UMA. The team offers the following capabilities:

• In-depth performance analysis with the goal of finding high-conviction strategies we believes have the ability to outperform over a full market cycle. • A patented model focused on manager outperformance relative to industry benchmarks. • A focus on strategies that have proven, consistent and repeatable processes. • Continuous monitoring of managers and funds to help keep investment objectives and performance within guidelines. • Rigorous, ongoing analysis of most investment strategies on our investment advisory platform to review and evaluate performance relative to expectations. • Comprehensive oversight of organizational and operational aspects of most Select UMA investment managers or funds.

Portfolio Development and Construction You and your Financial Advisor may utilize a range of investment features within Select UMA to construct a portfolio tailored to your overall asset allocation strategy. There are three options from which you can choose: 1. You can select the investment products yourself (non-discretionary) with advice from your Financial Advisor. 2. Alternatively, your Financial Advisor can select investments for you (FA-discretionary). 3. Finally, you can choose to allow Charles Schwab to select the investment products on your behalf (firm-discretionary). The firm leverages strategic and tactical asset allocation advice, manager analysis and portfolio construction capabilities to evaluate and recommend investment solutions for you. A disciplined investment process and a sophisticated risk-management framework are also used to build portfolios and choose investment managers and funds for the firm-discretionary unified managed account option.

Ongoing Account Oversight Effectively coordinating an account structure that incorporates multiple investment products requires a high degree of integration and may be challenging without professional expertise. This complex and potentially time-consuming process is managed for you by synchronizing portfolio construction, account rebalancing and other services in Select UMA.

Envestnet ONE is a UMA that provides enhanced control, convenience, and performance—allowing you and your advisor to build customized portfolio model specifically for you. You may choose from more than 4,000 investment products to fund each asset class and tailor your allocations within your own fund. You get a robust set of portfolio management capabilities as well as simplified account maintenance that combines separately managed accounts, third-party strategists, ETFs, mutual funds, or a combination in one single convenient account. This eliminates the need for multiple sets of paperwork with one registration and one 1099 form. Systematic rebalancing, coordinated tax harvesting, and single-schedule fee billing eases your administrative burdens. Envestnet ONE allows you to build and manage your own portfolio models using asset allocations that you create using any combination of 28 asset classes, leaving the trading and rebalancing tasks to us. With the Envestnet ONE account, you can: Select a risk profile and method to create the asset allocation Choose from 4,000+ products to fill investment sleeves View a variety of analyses of the customized model View the trade history of the models

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