Creekside Financial Group Inc. (CFG) Model Portfolio Series*

 

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CFG Retire Shield Series® 

Models: Aggressive, Moderate, Conservative (Qualified and Non-Qualified Models Available)

Summary: Designed with the priorities of both preservation and growth utilizing a combination of strategic and dynamic diversification.  Models will move between growth and defensive allocations based on pre-determined market volatility triggers.  The model goal is to avoid a major market crash while continuing to pursue competitive market growth.

Management Style: Active, Tactical Management

Account Minimum:  Qualified ($10,000), Non-Qualified ($500)

Ideal Investor:  Investor with substantial account value where both preservation and growth are prioritized.

 

CFG Strategic Series

Models: 100/0, 80/20, 60/40, 40/60, 25/75 (Equity % / Fixed Income %)

Summary: Designed with strategic asset allocations for broad diversity, low expense ratios and high concentration of U.S. domestic holdings.

Management Style: Passive Management

Account Minimum:  $10,000

Ideal Investor:  Investor who prefers low expense ratio, passive management style and seeks long term, risk-aligned growth.

 

CFG Quick Start Series

Models: 100/0, 75/25, 60/40 (Equity % / Fixed Income %)

Summary: Designed with strategic asset allocations for broad diversity, low expense ratios and high concentration of U.S. domestic holdings.  Quick Start Series includes fewer holding than Strategic Series to allow for smaller account minimums.  These models are ideal for the newer investor who will be systematically contributing to his or her account.

Management Style: Passive Management

Account Minimum:  $500

Ideal Investor:  Investor with less than $10,000 in account value who prefers low expense ratio, passive management style and seeks long term, risk-aligned growth.

 

CFG Tax-Managed Growth Series

Models: Equity (100/0), Opportunity (75/25), Balanced (60/40) (Equity % / Fixed Income %)

Summary: Designed with strategic asset allocations designed for tax efficiency.  Municipal ETFs are included in Opportunity and Balanced models.

Management Style: Passive Management

Account Minimum:  $10,000

Ideal Investor:  Investor with non-qualified account (taxable) who prioritize tax efficient growth.

 

 

CFG Tax-Managed Income Series

Models: Low Bracket Equity (100/0), Low Bracket Balanced (60/40), High Bracket (0/100) (Equity % / Fixed Income %)

Summary: Designed with strategic asset allocations for investors seeking investment income on a systematic basis.  Since investment income is taxed differently in the first two tax brackets, models are differentiated between these investor tax brackets for increased tax efficiency.

Management Style: Passive Management

Account Minimum:  $10,000

 

CFG Dynamic Tech

Models: CFG Dynamic Tech (100% Equities)

Summary: Designed for the younger and/or more aggressive investor who prefers a higher concentration of Technology sector equity holdings.

Management Style: Active Management

Account Minimum:  $500

 

CFG 401k Series

Models: Equity, Opportunity, Balanced, Assurance, Guardian, Stable Value

Summary: Designed for 401k and 403b sponsors and participants.  Each model provides extremely low expense ratios with strategic asset allocations designed to match participant risk tolerance and financial goals.

Management Style: Passive Management

Account Minimum:  N/A

Notes: CFG 401k Series not available for individual selection. CFG 401k Series is only available via employer-sponsorship.

 

*Please request model-specific summary for details, disclosures, and 10 year performance benchmarks.

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Definitions:

Aggressive, Moderate and Conservative terms are used to explain certain models and investor styles. Aggressive tends to include a higher level of equity (stock) allocations which may produce higher levels of volatility or risk in exchange for higher expected growth potential. Moderate tends to blend equities with fixed income (bonds) in order to moderate volatility or risk.  Conservative tends to include a lower allocation in equities and higher allocation in fixed income in order to minimize volatility or risk. Each client is required to complete a risk assessment prior to the recommendation of a portfolio model.

 

Strategic and Dynamic diversification are terms used to explain how a portfolio is diversified. Strategic diversification refers to a combination of asset classes and market sectors in order to provide portfolio diversification. Dynamic diversification refers to the tactical, periodic rebalancing from one asset class  or allocation to another with the goal of moderating volatility or risk within a portfolio.

 

Passive, Active and Tactical Management refer to the process used to manage the allocations of a model.  Passive management uses minimal portfolio manager involvement beyond the initial model allocations.  Active management periodically reallocates the model based on portfolio manager input and/or market projections.  Tactical management involves continuous portfolio manager input, as often as daily, in order to attempt to meet a specific model goal.

 

Qualified and Non-Qualified accounts refer to the tax status of the account.  Qualified accounts include all forms of retirement accounts that are either tax-deferred or tax-free (IRAs, 401Ks, 403Bs, 457, Roth, etc). Non-Qualified accounts refer to non-retirement, taxable accounts.

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Low-Cost Expense Ratio refers to the aggregate expense ratio of the model. Low-cost models vary in definition, but for purposes of this site, any models below .20% (2 tenths of 1%) are considered low-cost. Extremely low expense ratios, for purposes of this site, are models with less than .10% (1 tenth of 1%) aggregate expense ratio.

 

Broad Diversity refers to models that include multiple ETFs which hold a combined 100 or more total securities.

 

Long-term investing means that an investor’s timeline is expected to be in excess of 10 years.

 

Risk-aligned growth refers to models designed for long term growth that are strategically allocated of equities and fixed income with the goal of matching the volatility and risk to an investor’s risk score and tolerance.