Select Model Portfolios

Your decision as to which SPBsm Model Portfolio will be utilized as a template for your Account should be driven by two factors.
  • FACTOR #1: Your Risk Tolerance.
    If you are able to ignore dramatic volatility (gains and losses) you should select a more aggressive SPBsm Model Portfolio. If you fear volatility and might liquidate your Account when it temporarily loses value, you should select a more conservative SPBsm Model Portfolio.

  • FACTOR #2: Your Investment Horizon.
    The more distant your investment horizon (i.e., your life expectancy or your last withdrawal date), the more aggressive SPBsm Model Portfolio you should select. As your investment horizon gets closer, you should select a more conservative SPBsm Model Portfolio.
The Advisor does NOT automatically change your Account from one SPBsm Model Portfolio to another, either in response to changing market conditions or in response to changes in your personal financial situation of which we have not been made aware. If you are considering changing your Account's SPBsm Model Portfolio, it is highly recommended that you first discuss this change with the Advisor prior to notifying us to do so.

The Advisor manages each Account so that its structure will closely approximate one of the Advisor's nine different SPBsm Model Portfolios. These models span the risk spectrum from "Very Conservative Income" on the low end to "Very Aggressive Growth" on the high end.
485 South Youngfield Court
PO Box 280929
Lakewood, CO 80228-0929

303.986.9977 (METRO)
800.530.3884 (TOLL FREE)
303.898.2622 (CELL)
303.985.9235 (FAX)

ronald@colsonfinancial.com
YOUR RISK
TOLERANCE		 Select your SPBsm MODEL PORTFOLIO
Extremely High MAG MAG AG AG AG VAG VAG VAG
Very High CG MAG MAG AG AG AG VAG VAG
High CG CG MAG MAG AG AG AG VAG
Above Neutral B CG CG MAG MAG AG AG AG
Below Neutral B B CG CG MAG MAG AG AG
Low AI B B CG CG MAG MAG AG
Very Low MAI AI B B CG CG MAG MAG
Extremely Low CI MAI AI B B CG CG MAG
Almost None VCI CI MAI AI B B CG CG
0 to 8 2 to 14 6 to 22 12 to 30 20 to 36 28 to 40 34 to 42 Over 38
YOUR ACCOUNT'S INVESTMENT HORIZON (number of years from today)

MODEL PORTFOLIO
CODE		 SPBsm MODEL PORTFOLIO Codes
(Mix of Stocks, Bonds, Cash, Etc.)
MODEL PORTFOLIO NAME		 (Ups and Downs)
VOLATILITY (RISK)		 (Long-Term Gains)
POTENTIAL REWARD
VAG Very Agressive Growth Extremely High Extremely High
AG Aggressive Growth Portfolio Very High Very High
MAG Moderately Aggressive Growth High High
CG Conservative Growth Above Average Above Average
B Balanced Average Average
AI Aggressive Income Below Average Below Average
MAI Moderately Aggressive Income Low Low
CI Conservative Income Very Low Very Low
VCI Very Conservative Income Extremely Low Extremely Low

DISCLOSURE: All investments involve risk. Principal losses occur. A current prospectus for any security that has been recommended by the Advisor is available online for your review prior to investing money. The Advisor offers no guarantees as to the performance of any specific security. The Advisor offers no guarantees as to the performance of any recommend asset allocation. The Advisor offers no guarantees as to the performance of any SPBsm model portfolio. The Advisor does not provide tax advice. Consult your CPA for tax advice. The Advisor does not provide legal advice. Consult your attorney for legal advice. If you are considering retaining the Advisor as your investment advisor, refer to our SEC Form ADV Part II for a full disclosure of the services that we offer, the fees that we charge and all related expenses. The Advisor is directly registered in Colorado and Texas as well as 30 states that are subject to the SEC de minimus exemption. Please contact the Advisor regarding the state in which you live. Thank you!