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HIM Manager #11

HIM Manager #11

Takes Advantage Of Four Sectors Of The Stock Market And Can Go “Risk Off” To Cash.

— Remember the 3 Year and 5 Year Returns Do Not include 2008. Please review the 7 & 10 Year periods.

— The market indices are used as benchmarks for comparison purposes only and cannot be invested in directly. The performance of an unmanaged index is not indicative of the performance of any particular investment.   The indices chosen were determined to be appropriate for the corresponding portfolios indicated, given (i) the market represented by each index, and (ii) the asset composition of each portfolio.   While these indices can be useful for comparisons to the portfolio performance data shown above (during a given date range), they should not be used as benchmarks for comparison to client account performance.  Please refer to the index descriptions shown under INDEX INFORMATION in the disclosure document that has been included on Page 6 of these materials.

See attached disclosures and disclaimers for each money manager.

Past performance is no guarantee of future results. Investing is risky.  Investors can lose money.

All money manager returns are net of Horter’s advisory fees.  Custodial expenses are charged separately by the custodian.

Not approved for posting on advisor websites.

(1)    See attached important disclosures regarding backtested, hypothetical performance.

(2)    HIM #3 can be used in the Low Risk Sleeve to compliment HIM #4 and HIM #5.  HIM #3 should not be considered a “stand-alone” manager in the Low Risk bucket, but can be used as a stand-alone manager in the Moderate Risk bucket.