The Disciplined Wealth Process

The Disciplined Wealth Process provides a comprehensive assessment of your current financial situation, including...

• Investment objectives
• Income needs
• Tax impact
• Other family and personal considerations

Consistent, reliable methods are used for evaluating...

• Your personal investment profile
• Your tolerance for market losses
• An appropriate asset allocation model with adequate diversification

Working together, we create a custom plan of action for...

• Using our wealth management experience, skills and resources
• Arranging your lifetime income
• Helping you access or coordinate other professionals such as attorneys and CPAs
• Working on your behalf, with full fiduciary accountability

The Value of an Investment Policy Statement (IPS)

An IPS is a clear, concise, confidential document that...

• Describes your financial circumstances and resources
• Identifies your needs and goals
• Defines an investment strategy to help you achieve them

To create your IPS, we must understand what is most important in terms of...

• Your life and family relationships
• Your financial priorities and values
• Your resources, obligations, goals and dreams

The IPS forms an agreement between you and Raub Brock in which...

• We commit to follow the asset allocation model and strategy defined
• You agree to notify us about any changes in your circumstances or objectives
• Modifications and adjustments are made and documented over time

Raub Brock Asset Allocation Models

Each model is divided between...

• Growth Assets with appreciation potential over time
• Defensive Assets for capital preservation and income
• Your Wealth Assessment will help to determine the most suitable, comfortable model

We offer five models, each with a different targeted level of risk and return potential

For each model, Growth and Defensive assets are allocated among:

• Core Assets, designed for strategic long-term investing (low turnover)
• Satellite Assets, designed for tactical, market-driven opportunities

Net investment return is determined by the portfolio performance after fees, expenses and taxes. Separate accounts have more flexibility to manage assets for cost- and tax-efficiency than alternative structures, such as mutual funds or hedge funds. You don't have to pay taxes based on other investors' gains — just your own. Our commitment to long-term, low-turnover Core positions helps to minimize tax impact. We achieve economies by placing trades through our internal trading desk. We integrate low-basis securities into your portfolio.

Client Communications

• Informative website and quarterly newsletter
• Responsive answers to questions or requests
• Continuing efforts to involve and educate clients to help them better understand markets, the economy and their investments
• Assets are held in client name, in custody, at Charles Schwab
• All trades are confirmed (paper or electronic, your choice)
• Schwab provides year-end tax detail for your CPA or tax preparer

Raub Brock provides

• Quarterly performance summaries of holdings and asset allocations
• Annual account summaries of contributions, withdrawals, appreciation, fees and expenses, and time-weighted returns vs. benchmarks
• Clear and complete tax basis information for your CPA

Custody by Charles Schwab

• Positions are held in a brokerage account in your name at Charles Schwab; they are not pooled with other investors' assets
• Full transparency 24/7 — positions and values are accessible throughout the trading day and at night via Schwab's website and toll-free telephone service

Charles Schwab has been in business since the 1970s and has earned the trust of more than 5,000 Registered Investment Advisers and their clients. Schwab custodies over $500 billion in client assets, more than the next five largest custodians combined.