IFP Strategies

IFP Asset Management (“IFPAM”) offers a variety of model portfolios from which investors choose. IFPAM model portfolios, which are created and managed on a discretionary basis by IFP’s Investment Management team. In instances where your IAR uses IFPAM, your IAR will help you determine which IFP models are best suited for you based on your risk profile, investment objectives, and preferences, leaving the actual trading decisions to IFP’s Investment Management team. IFPAM offers a variety of model portfolios with varying investment product types, including mutual fund and ETF portfolios, equity portfolios and fixed income portfolios. On a case-by-case basis, IFPAM also offers to manage portfolios according to models that an IAR may provide.

The IFPAM enables its IARs who do not want to serve as RPM to have IFPAM manage the client’s portfolio. The IFPAM service model for its IARs is as follows:

PROCESS

ANALYZE
Analyze how the IAR is currently handling the asset management portion of the IAR’s business and whether the IAR thinks IFPAM could provide value.

DISCUSS
Schedule a consultative call to review the IFPAM team, services, and model portfolios so the IAR can better understand how IFPAM can increase the enterprise value of the IAR’s practice.

IMPLEMENT
Once the IAR is confident IFPAM is a good fit for the IAR, IFPAM will work with the IAR to devise an implementation strategy to move over any accounts that the IAR may wish to have IFPAM manage.

GROW
After implementation, IAR can go back to focusing on the IAR’s clients, serving as the relationship manager, but teaming up with IFPAM to manage the client’s money.

SERVICE

ACCESS IFPAM’S PRE-BUILT MODEL PORTFOLIOS
Eliminates the need to evaluate securities, analyze mutual funds and ETFs, and construct asset allocation strategies.

IFPAM CAN CUSTOMIZE STRATEGIES FOR HIGH-NET-WORTH CLIENTS
Eliminates the need to research positions, understand portfolio construction, and continually monitor custom strategies.

IFPAM WILL TRADE AND REBALANCE YOUR ACCOUNTS AND HANDLE OPERATIONAL TASKS SUCH AS INVESTING CONTRIBUTIONS AND FREEING UP CASH FOR WITHDRAWALS

Eliminates the need to learn new trading software and stop other tasks to execute trade orders.

ACCESS INVESTMENT RESEARCH
Eliminates the need to meet with wholesalers, perform extensive due diligence, and write trade rationales.

MODEL PORTFOLIO OFFERINGS

BROAD MODEL STRATEGIES

PASSIVE
Seeks to provide a low-cost, tax-efficient portfolio with minimal tracking error to its designated benchmark.

STRATEGIC
Built for long-term investors who desire an asset allocation model that is always fully invested.

TACTICAL
Actively managed and designed to incorporate IFPAM’s best ideas. The portfolios are traded more frequently than the strategic models and can go to cash when market conditions warrant.

INCOME ORIENTED
Designed to provide investors with current income, either through interest payments or dividends.

THIRD PARTY MODELS
Such 3rd Party models are designed to provide investors with access to 3rd party money managers and their model portfolios. IFPAM currently has relationships with Dimensional Fund Advisors (“DFA”) and Capital Group/American Funds.

QUANTITATIVE
Asset allocation decisions are driven entirely by pre-defined rules that are algorithmic in nature. The models are designed to provide a level of risk management and can hold elevated cash.

FOCUSED STOCK / INDIVIDUAL EQUITY
Built for investors who want to gain exposure to domestic companies through individual stocks. These models are designed to capture certain market factors, such as quality, minimum volatility, and momentum.

IFPAM 3 Year Muni iBond Ladder
The strategy deploys an equal weight to the nearest 3 years worth of iShares iBond Muni ETFs.

IFPAM 3 Year Treasury iBond Ladder
The strategy deploys an equal weight to the nearest 3 years worth of iShares iBond Treasury ETFs.

IFPAM 3 Year High Yield Corporate iBond Ladder
The strategy deploys an equal weight to the nearest 3 years worth of iShares iBond High Yield Corporate Bond ETFs.

High Income ETF Rotation Strategy
Our High Income ETF rotation strategy targets high-performing income asset classes, leveraging a sophisticated algorithm to select from a diverse set of 12 individual high income ETFs. Monthly, the algorithm evaluates these ETFs based on key metrics such as price oscillation, trend analysis, recovery from lows, volatility-adjusted momentum over 12 months, and the relative position of the 21-day simple moving average to the 200-day average. Each month, the top 2 ETFs are selected. To maintain portfolio stability and minimize transaction costs, any ETF ranking within the top 4 is retained for the following month, with replacements introduced only if necessary. Each ETF is allocated an equal weight of 50%, ensuring balanced exposure. This strategy offers a disciplined approach to capturing high income while managing risk through strategic rebalancing.

IFPAM 3 Year Investment Grade Corporate iBond Ladder
The strategy deploys an equal weight to the nearest 3 years worth of iShares iBond Investment Grade Corporate Bond ETFs.

IFPAM 5 Year Muni iBond Ladder
The strategy deploys an equal weight to the nearest 5 years worth of iShares iBond Muni ETFs.

IFPAM 5 Year High Yield Corporate iBond Ladder
The strategy deploys an equal weight to the nearest 5 year worth of iShares iBond High Yield Corporate Bond ETFs.

IFPAM 5 Year Investment Grade Corporate iBond Ladder
The strategy deploys an equal weight to the nearest 5 years worth of iShares iBond Investment Grade Corporate Bond ETFs.

IFPAM 5 Year Treasury ETF iBond Ladder
The strategy deploys an equal weight to the nearest 5 years worth of iShares iBond Treasury ETFs.

First Trust – Alternatives
The First Trust Strategic Focus Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the alternatives version of the model.

First Trust – Core Plus Fixed Income
The First Trust Strategic Focus Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the core-plus fixed income version of the model.

First Trust – Limited Duration Municipal
The First Trust Strategic Focus Model Portfolios consist of ETFs and are created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the limited duration municipal version of the model.

First Trust – Diversified Low Duration Fixed Income Model
The First Trust Strategic Focus Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the diversified low duration fixed income version of the model.

First Trust – High Income Municipal
The First Trust Strategic Focus Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the high-income municipal version of the model.

First Trust – High Income
The First Trust Strategic Focus Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the high-income version of the model.

Tactical Bond Strategy
Tactical bond rotation strategy that rotates among a broad basket of bond asset classes.

Diversified Income Hybrid Taxable
To provide current income in excess of the IFPAM’s benchmark without sacrificing excess return potential. The model invests in income producing mutual funds and exchange traded products, including those focused on fixed income, dividend paying equities, and income producing liquid alternatives. The model is intended for non-qualified, taxable, accounts, as a portion of the portfolio is typically invested in tax-free income producing securities, under normal circumstances.

Diversified Income Hybrid Non Taxable
To provide current income in excess of the IFPAM’s benchmark without sacrificing excess return potential. The model invests in income producing mutual funds and exchange traded products (ETP), including those focused on fixed income, dividend paying equities, and income producing liquid alternatives. The model is intended for qualified, non-taxable, accounts.

Income with Capital Preservation DFA Core Plus ETF Wealth
The DFA Core Plus ETF Wealth Models provide allocations for a relatively strong portfolio emphasis on higher expected returns. This is the income with capital preservation version of the model.

First Trust – Conservative
The First Trust Strategic Risk Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are aimed at total return while diversifying the risk exposure of various asset classes over the long-term and are designed to provide IARs with a foundation to build scalable asset allocation solutions for their clients. This is the conservative version of the model.

Pure American Funds – Tax Aware Conservative Income
Model of American Funds F2 Shares

Pure American Funds – Conservative Growth & Income
The Pure American Funds Portfolios consist of mutual funds from the Capital Group (also known as American Funds). The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model seeks primarily to provide high current income, with a secondary goal of long-term growth of capital, through dividend-paying equities and fixed income securities.

Pure American Funds – Retirement Income – Moderate
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model primarily seeks current income, long-term growth of capital and conservation of capital, to support sustained, inflation-adjusted withdrawals.

Pure American Funds – Retirement Income – Conservative
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model primarily seeks current income, long-term growth of capital and conservation of capital, with an emphasis on income and conservation of capital to support sustained, inflation-adjusted withdrawals.

Pure American Funds – Conservative Income
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model seeks current income and preservation of capital primarily through a diversified portfolio of quality fixed income securities and dividend-paying equities

Pure American Funds – Preservation
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model primarily seeks preservation of capital, with a secondary goal of current income, through a diversified portfolio of high-quality fixed income securities.

Pure American Funds – Tax-Exempt Preservation
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model primarily seeks preservation of capital primarily and current income secondarily through a diversified portfolio of high-quality tax-exempt fixed income securities.

Risk Managed Quant Blend – ICP
Seeks to blend four of IFPAM™ investment strategies to create a core portfolio that seeks to add a quantitative risk management overlay. The underlying IFPAM strategies are subject to change, but currently include IFPAM™s ETP Passive Aggressive Growth strategy, IFPAM™ Protective Asset Allocation Strategy, IFPAM™ Vigilant Asset Allocation strategy and IFPAM™ Tactical Bond Strategy. This is the income with capital preservation version of the model.

Income with Capital Preservation DFA Sustainable ETF Wealth
The DFA Sustainable ETF Wealth Models provide allocations that align certain sustainability values with investing goals, focusing on scientific drivers of climate change. This is the is the income with capital preservation version of the model.

Income with Capital Preservation DFA Tax Sensitive
The DFA Tax Sensitive Wealth Models provide allocations for tax-sensitive investors including a focus on municipal bonds within fixed income. This is the is the income with capital preservation version of the model.

Income with Capital Preservation DFA Core ETF Wealth Models
The DFA Core ETF Wealth Models provide allocations for a relatively moderate portfolio emphasis on higher expected returns. This is the income with capital preservation version of the model.

Income with Capital Preservation DFA Core Market ETF Wealth
The DFA Core Market ETF Wealth Models provide allocations for a relatively modest portfolio emphasis on higher expected returns and limited deviation from the market. This is the income with capital preservation version of the model.

Income with Capital Preservation Wealth Accumulation
To provide a globally diversified, cost effective solultion for income with capital preservation clients that do not currently meet the minimum balances for IFP’s Standard Model Portfolios. Income with capital preservation portfolios typically target an allocation mix of 20% equity and 80% fixed income.

Income with Capital Preservation ETP Strategic
Seeks capital growth in excess of IFPAM’s income with capital preservation benchmark by employing a long-term investing approach. Income with capital preservation portfolios typically target an allocation mix of 20% equity and 80% fixed income.

Income with Capital Preservation ETF Passive
Seeks to provide a low cost, tax efficient, globally diversified portfolio with minimal tracking error to IFPAM’s income with capital preservation benchmark. Income with captial preservation portfolios typically target an allocation mix of 20% equity and 80% fixed income.

Income with Capital Preservation Alpha Beta Hybrid Strategic
Seeks capital growth in excess of IFPAM’s income with capital preservation benchmark by employing a long-term investing approach. Income with capital preservation portfolios typically target an allocation mix of 20% equity and 80% fixed income.

Income with Capital Preservation MF Strategic
Seeks capital growth in excess of IFPAM’s income with capital preservation benchmark by employing a long-term investing approach. Income with capital preservation portfolios typically target an allocation mix of 20% equity and 80% fixed income.

Income with Capital Preservation Socially Responsible Investing
Seeks capital growth in excess of IFPAM’s income with capital preservation benchmark by using funds that are deemed “socially responsible” by Morningstar and by employing a long-term investing approach. Income with capital preservation portfolios typically target an allocation mix of 20% equity and 80% fixed income.

Income with Moderate Growth DFA Core Plus ETF Wealth
The DFA Core Plus ETF Wealth Models provide allocations for a relatively strong portfolio emphasis on higher expected returns. This is the income with moderate growth version of the model.

Defined Outcome ETF Strategy – October
An all-equity asset allocation model using buffered ETFs, whose 12-month outcome periods reset in October. The buffered ETFs offer a buffer against a certain percentage of losses over the outcome period, while having a cap on the upside. This model is intended to provide diversified equity exposure, while providing downside protection.

Defined Outcome ETF Strategy – July
An all-equity asset allocation model using buffered ETFs, whose 12-month outcome periods reset in July. The buffered ETFs offer a buffer against a certain percentage of losses over the outcome period, while having a cap on the upside. This model is intended to provide diversified equity exposure, while providing downside protection.

Defined Outcome ETF Strategy – April
An all-equity asset allocation model using buffered ETFs, whose 12-month outcome periods reset in April. The buffered ETFs offer a buffer against a certain percentage of losses over the outcome period, while having a cap on the upside. This model is intended to provide diversified equity exposure, while providing downside protection.

Defined Outcome ETF Strategy – January
An all-equity asset allocation model using buffered ETFs, whose 12-month outcome periods reset in January. The buffered ETFs offer a buffer against a certain percentage of losses over the outcome period, while having a cap on the upside. This model is intended to provide diversified equity exposure, while providing downside protection.

First Trust – Conservative Growth
The First Trust Strategic Risk Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are aimed at total return while diversifying the risk exposure of various asset classes over the long-term and are designed to provide IARs with a foundation to build scalable asset allocation solutions for their clients. This is the income with moderate growth version of the model.

Pure American Funds – Tax Aware Conservative Growth & Income
Model of American Funds F2 Shares

Pure American Funds – Tax Aware Moderate Income
Model of American Funds F2 Shares

Pure American Funds – Tax Aware Growth & Income
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model primarily seeks primarily to provide high current income and secondarily long-term growth of capital through dividend-paying equities and tax-exempt fixed income securities.

Pure American Funds – Retirement Income – Enhanced
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model primarily seeks current income, long-term growth of capital and conservation of capital, with an emphasis on income and growth of capital to support sustained, inflation-adjusted withdrawals.

Risk Managed Quant Blend – IMG
Seeks to blend four of IFPAM™ investment strategies to create a core portfolio that seeks to add a quantitative risk management overlay. The underlying IFPAM strategies are subject to change, but currently include IFPAM ETP Passive Aggressive Growth strategy, IFPAMProtective Asset Allocation Strategy, IFPAM Vigilant Asset Allocation strategy and IFPAM Tactical Bond Strategy. This is the income with moderate growth version of the model.

Income with Moderate Growth DFA Sustainable ETF Wealth
The DFA Sustainable ETF Wealth Models provide allocations that align certain sustainability values with investing goals, focusing on scientific drivers of climate change. This is the is the income with moderate growth version of the model.

Income with Moderate Growth DFA Tax Sensitive
The DFA Tax Sensitive Wealth Models provide allocations for tax-sensitive investors including a focus on municipal bonds within fixed income. This is the is the income with moderate growth version of the model.

Income with Moderate Growth DFA Core ETF Wealth Models
The DFA Core ETF Wealth Models provide allocations for a relatively moderate portfolio emphasis on higher expected returns. This is the income with moderate growth version of the model.

Income with Moderate Growth DFA Core Market ETF Wealth
The DFA Core Market ETF Wealth Models provide allocations for a relatively modest portfolio emphasis on higher expected returns and limited deviation from the market. This is the income with moderate growth version of the model.

Protective Asset Allocation
IFPAM’s Protective Asset Allocation model is a quantitative, rules based, momentum strategy that moves to cash very quickly when asset classes begin to demonstrate negative price momentum. The strategy considers momentum to choose between a global universe of 12 risk assets, holding up to 6 at any given time. Each of the 12 risk assets are first analyzed by looking at their absolute momentum, i.e. return relative to the risk-free rate, and then by comparing the asset’s current price to its 12 month moving average.

Income with Moderate Growth Wealth Accumulation
To provide a globally diversified, cost effective solultion for income with moderate growth clients that do not currently meet the minimum balances for IFP’s Standard Model Portfolios. Income with moderate growth portfolios typically target an allocation mix of 40% equity and 60% fixed income.

Income with Moderate Growth ETP Strategic
Seeks capital growth in excess of IFPAM’s income with moderate growth benchmark by employing a long-term investing approach. Income with moderate growth portfolios typically target an allocation mix of 40% equity and 60% fixed income.

Income with Moderate Growth ETF Passive
Seeks to provide a low cost, tax efficient, globally diversified portfolio with minimal tracking error to IFPAM’s income with moderate growth benchmark. Income with moderate growth portfolios typically target an allocation mix of 40% equity and 60% fixed income.

Income with Moderate Growth Alpha Beta Hybrid Strategic
Seeks capital growth in excess of IFPAM’s income with moderate growth benchmark by employing a long-term investing approach. Income with moderate growth portfolios typically target an allocation mix of 40% equity and 60% fixed income.

Income with Moderate Growth MF Strategic
Seeks capital growth in excess of IFPAM’s income with moderate growth benchmark by employing a long-term investing approach. Income with moderate growth portfolios typically target an allocation mix of 40% equity and 60% fixed income.

Income with Moderate Growth Socially Responsible Investing
Seeks capital growth in excess of IFPAM’s income with moderate growth benchmark by using funds that are deemed “socially responsible” by Morningstar and by employing a long-term investing approach. Income with moderate growth portfolios typically target an allocation mix of 40% equity and 60% fixed income.

IFP Tactical Balanced Strategy
The IFP Tactical Balanced Strategy provides a balanced and risk-managed portfolio targeting a 60% equity and 40% fixed income allocation. Designed to adapt to changing conditions, the strategy can adjust equity exposure anywhere between 40% and 60%. Using a quantitative, rules-based approach, the strategy identifies top-performing global equity opportunities while dynamically allocating to high-performing bond asset classes or cash based on market momentum. With the flexibility to focus on specific asset classes, sectors, or regions, the strategy seeks to enhance total returns while mitigating downside risks. This streamlined approach offers investors a sophisticated solution for balanced growth in evolving market environments.

Defined Outcome ETF Strategy – Timeless
This portfolio is constructed using defined outcome / buffered ETFs, diversified across major equity asset classes. The objective is to mitigate the entry point and timing risk, so it can be invested into at any point in the calendar year, instead of having to line up with the terms of the calendar year ETFs.

Growth with Income DFA Core Plus ETF Wealth
The DFA Core Plus ETF Wealth Models provide allocations for a relatively strong portfolio emphasis on higher expected returns. This is the growth with income version of the model.

Absolute Return Quant Strategy
Generate an uncorrelated return to the stock market when it is negative and correlated return to the stock market when it is positive.

Absolute Return Fund Strategy
Seeks to capture roughly half of the upside of the S&P 500 index return and minimal downside during rolling 3 and 5 years periods.

First Trust – Balanced Growth
The First Trust Strategic Risk Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are aimed at total return while diversifying the risk exposure of various asset classes over the long-term and are designed to provide IARs with a foundation to build scalable asset allocation solutions for their clients. This is the balanced growth version of the model, which corresponds to IFPAM’s growth with income benchmark.

Pure American Funds – Tax Aware Moderate Growth & Income
Model of American Funds F2 Shares

Defensive Adaptive Asset Allocation
A model that blends several elements of other quantitative strategies that we track.

Pure American Funds – Growth & Income
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model seeks long-term growth of capital through exposure to equities, with a secondary goal of current income via dividend-paying equities and fixed income securities.

Pure American Funds – Moderate Growth & Income
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model seeks a combination of long-term growth of capital and income as well as current income primarily through a balanced exposure to growth- and income-oriented equities and fixed income securities.

Risk Managed Quant Blend – GWI
Seeks to blend four of IFPAM investment strategies to create a core portfolio that seeks to add a quantitative risk management overlay. The underlying IFPAM strategies are subject to change, but currently include IFPAM ETP Passive – Aggressive Growth strategy, IFPAM Protective Asset Allocation Strategy, IFPAM Vigilant Asset Allocation strategy and IFPAM Tactical Bond Strategy. This is the growth with income version of the model.

Growth with Income DFA Sustainable ETF Wealth
The DFA Sustainable ETF Wealth Models provide allocations that align certain sustainability values with investing goals, focusing on scientific drivers of climate change. This is the is the growth with income version of the model.

Growth with Income DFA Tax Sensitive
The DFA Tax Sensitive Wealth Models provide allocations for tax-sensitive investors including a focus on municipal bonds within fixed income. This is the is the growth with income version of the model.

Growth with Income DFA Core ETF Wealth Models
The DFA Core ETF Wealth Models provide allocations for a relatively moderate portfolio emphasis on higher expected returns. This is the growth with income version of the model.

Growth with Income DFA Core Market ETF Wealth
The DFA Core Market ETF Wealth Models provide allocations for a relatively modest portfolio emphasis on higher expected returns and limited deviation from the market. This is the growth with income version of the model.

Vigilant Asset Allocation
The Vigilant Asset Allocation is an aggressive momentum strategy that allocates 100% of the portfolio each month to a single asset from a small basket of either offensive or defensive assets. The strategy’s approach to measuring momentum is heavily biased towards very recent months, with an asset class’ one month momentum determining 40% of the asset class’ momentum score, while the twelve month momentum only determines 2% of the score. This makes the Vigilant Asset Allocation strategy quicker to respond to market changes, but can also lead to high portfolio turnover. The strategy also makes use of a concept called “breadth momentum”, in which the allocation to defensive assets is determined by the entire universe of risk assets, as opposed to asset class by asset class. Put another way, the strategy uses market breadth to determine how much of the portfolio to allocate defensively. If all four of the offensive assets exhibit positive momentum scores, the strategy will allocate 100% of the portfolio to the offensive asset with the highest momentum score. If any of the four offensive assets exhibit negative momentum scores, the strategy will allocate 100% of the portfolio to the defensive asset with the highest score (regardless of whether the score is > 0).

Adaptive Asset Allocation
The Adaptive Asset Allocation strategy combines momentum with a minimum variance portfolio to trade a diverse array of global asset classes. The strategy analyzes the 6-month (126-day) return for 10 different asset classes. The model then selects the top 5 assets with the highest return over the look back period and then optimizes the weights for each positions by finding the weights corresponding to the minimum variance portfolio.

Robust Asset Allocation Aggressive
IFPAM’s Robust Asset Allocation model divides the portfolio among 7 global asset classes: U.S. Momentum, U.S. Large Cap Value, International Equities, International Value, U.S. Real Estate, Commodities, and Intermediate Term Treasuries. The products used in each asset class causes the portfolio to have a slight tilt towards value and momentum . The model allocates positions by first analyzing each asset class’ 12-month return compared to the risk free rate and also its price relative to its 12 month moving average. If the asset class’ price is above its 12-month moving average and also it’s 12-month return is positive, the portfolio will take a full position in the asset class, if only one of the conditions is true, the portfolio will take a half position in the asset class, and if neither condition is true, that portion of the portfolio is left in cash.

Growth with Income Wealth Accumulation
To provide a globally diversified, cost effective solultion for growth with income clients that do not currently meet the minimum balances for IFP’s Standard Model Portfolios. Growth with income portfolios typically target an allocation mix of 60% equity and 40% fixed income.

Growth with Income ETP Strategic
Seeks capital growth in excess of IFPAM’s growth with income benchmark by employing a long-term investing approach. Growth with income portfolios typically target an allocation mix of 60% equity and 40% fixed income.

Growth with Income ETF Passive
Seeks to provide a low cost, tax efficient, globally diversified portfolio with minimal tracking error to IFPAM’s growth with income benchmark. Growth with income portfolios typically target an allocation mix of 60% equity and 40% fixed income.

Growth with Income Alpha Beta Hybrid Strategic
Seeks capital growth in excess of IFPAM’s growth with income benchmark by employing a long-term investing approach. Growth with income portfolios typically target an allocation mix of 60% equity and 40% fixed income.

Growth with Income MF Strategic
Seeks capital growth in excess of IFPAM’s growth with income benchmark by employing a long-term investing approach. Growth with income portfolios typically target an allocation mix of 60% equity and 40% fixed income.

Growth with Income Socially Responsible Investing
Seeks capital growth in excess of IFPAM’s growth with income benchmark by using funds that are deemed “socially responsible” by Morningstar and by employing a long-term investing approach. Growth with income portfolios typically target an allocation mix of 60% equity and 40% fixed income.

Growth DFA Core Plus ETF Wealth
The DFA Core Plus ETF Wealth Models provide allocations for a relatively strong portfolio emphasis on higher expected returns. This is the growth version of the model.

First Trust – Moderate Growth
The First Trust Strategic Risk Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are aimed at total return while diversifying the risk exposure of various asset classes over the long-term and are designed to provide IARs with a foundation to build scalable asset allocation solutions for their clients. This is the moderate growth version of the model, which corresponds to IFPAM’s Growth benchmark.

Pure American Funds – Moderate Growth
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model seeks long-term growth of capital primarily through exposure to equities, with a modest allocation to fixed-income to provide diversification from equities.

Risk Managed Quant Blend – G
Seeks to blend four of IFPAM investment strategies to create a core portfolio that seeks to add a quantitative risk management overlay. The underlying IFPAM strategies are subject to change, but currently include IFPAM ETP Passive – Aggressive Growth strategy, IFPAMProtective Asset Allocation Strategy, IFPAM Vigilant Asset Allocation strategy and IFPAM Tactical Bond Strategy. This is the growth version of the model.

Growth DFA Sustainable ETF Wealth
The DFA Sustainable ETF Wealth Models provide allocations that align certain sustainability values with investing goals, focusing on scientific drivers of climate change. This is the is the growth version of the model.

Growth DFA Tax Sensitive
The DFA Tax Sensitive Wealth Models provide allocations for tax-sensitive investors including a focus on municipal bonds within fixed income. This is the is the growth version of the model.

Growth DFA Core ETF Wealth Models
The DFA Core ETF Wealth Models provide allocations for a relatively moderate portfolio emphasis on higher expected returns. This is the growth version of the model.

Growth DFA Core Market ETF Wealth
The DFA Core Market ETF Wealth Models provide allocations for a relatively modest portfolio emphasis on higher expected returns and limited deviation from the market. This is the growth version of the model.

Growth Wealth Accumulation
To provide a globally diversified, cost effective solultion for growth clients that do not currently meet the minimum balances for IFP’s Standard Model Portfolios. Growth portfolios typically target an allocation mix of 80% equity and 20% fixed income.

Growth ETP Strategic
Seeks capital growth in excess of IFPAM’s growth benchmark by employing a long-term investing approach. Growth portfolios typically target an allocation mix of 80% equity and 20% fixed income.

Growth ETF Passive
Seeks to provide a low cost, tax efficient, globally diversified portfolio with minimal tracking error to IFPAM’s growth benchmark. Growth portfolios typically target an allocation mix of 80% equity and 20% fixed income.

Growth Alpha Beta Hybrid Strategic
Seeks capital growth in excess of IFPAM’s growth benchmark by employing a long-term investing approach. Growth portfolios typically target an allocation mix of 80% equity and 20% fixed income.

Growth MF Strategic
Seeks capital growth in excess of IFPAM’s growth benchmark by employing a long-term investing approach. Growth portfolios typically target an allocation mix of 80% equity and 20% fixed income.

Growth Socially Responsible Investing
Seeks capital growth in excess of IFPAM’s growth benchmark by using funds that are deemed “socially responsible” by Morningstar and by employing a long-term investing approach. Growth portfolios typically target an allocation mix of 80% equity and 20% fixed income.

Aggressive Growth DFA Core Plus ETF Wealth
The DFA Core Plus ETF Wealth Models provide allocations for a relatively strong portfolio emphasis on higher expected returns. This is the aggressive growth version of the model.

IFP Boosted ETF Model
Our global ETF investment strategy leverages “Battle Royale,” a proprietary machine learning algorithm expertly designed to analyze a diverse universe of 131 ETFs, each representing a distinct segment of the global equity markets. These ETFs encompass a variety of asset classes, style boxes, countries, sectors, factors, and industries, offering a comprehensive view of global investment opportunities. “Battle Royale” excels in handling extensive and complex data sets, enabling it to efficiently sift through noisy data to identify the most promising ETFs. By pitting each ETF against the others in a rigorous comparative analysis, the algorithm determines their performance relative to specific investment goals like maximizing alpha. Our approach focuses on selecting only the top 2 to 4 ETFs, ensuring that each investment holds significant potential to enhance portfolio performance. This selectivity allows for a concentrated portfolio that strategically manages risk and optimizes returns. By investing in a carefully chosen subset of ETFs from a global spectrum, our strategy offers investors a targeted and sophisticated way to capitalize on diverse market dynamics and potential growth opportunities across various regions and sectors.

International Developed Markets ETF Rotation Model
Our International Developed Markets ETF Rotation strategy targets high-performing developed country stock markets outside the United States, leveraging a sophisticated algorithm to select from a diverse set of 24 individual country ETFs. Monthly, the algorithm evaluates these ETFs based on key metrics such as price oscillation, trend analysis, recovery from lows, volatility-adjusted momentum over 12 months, and the relative position of the 21-day simple moving average to the 200-day average. Each month, the top 2 ETFs are selected. To maintain portfolio stability and minimize transaction costs, any ETF ranking within the top 4 is retained for the following month, with replacements introduced only if necessary. Each ETF is allocated an equal weight, ensuring balanced exposure. The holdings have been as high as four, but typically two will be held. This strategy offers a disciplined approach to capturing growth in global developed markets while managing risk through strategic rebalancing.

Tactical Innovation
Seeks to provide exposure to new and innovative technologies through the use of exchange traded products and, from time to time, mutual funds or closed-end funds. The strategy is intended for aggressive clients looking for thematic equity exposure. The model is only offered in one investment objective and will be 98% equity when fully invested, but has the ability to go to cash when conditions warrant.

First Trust – Aggressive Growth
The First Trust Strategic Risk Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are aimed at total return while diversifying the risk exposure of various asset classes over the long-term and are designed to provide IARs with a foundation to build scalable asset allocation solutions for their clients. This is the aggressive growth version of the model.

Pure American Funds – Global Growth
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles, all managed strategically. This version of the model seeks long-term growth of capital through exposure to global companies with strong growth potential.

Pure American Funds – Growth
The Pure American Funds Portfolios consist of mutual funds from the Capital Group. The allocations for the models are created by Capital Group/American Funds. These models are designed to offer investors with a wide variety of different investment styles that are managed strategically. This version of the model seeks long-term growth of capital through exposure to companies primarily in the U.S. with strong growth potential.

Risk Managed Quant Blend – AG
Seeks to blend four of IFPAM investment strategies to create a core portfolio that seeks to add a quantitative risk management overlay. The underlying IFPAM strategies are subject to change, but currently include IFPAM ETP Passive Aggressive Growth strategy, IFPAM Protective Asset Allocation Strategy, IFPAM Vigilant Asset Allocation strategy and IFPAM Tactical Bond Strategy. This is the aggressive growth version of the model.

Aggressive Growth DFA Sustainable ETF Wealth
The DFA Sustainable ETF Wealth Models provide allocations that align certain sustainability values with investing goals, focusing on scientific drivers of climate change. This is the is the aggressive growth version of the model.

Aggressive Growth DFA Tax Sensitive
The DFA Tax Sensitive Wealth Models provide allocations for tax-sensitive investors including a focus on municipal bonds within fixed income. This is the is the aggressive growth version of the model.

Aggressive Growth DFA Core ETF Wealth Models
The DFA Core ETF Wealth Models provide allocations for a relatively moderate portfolio emphasis on higher expected returns. This is the aggressive growth version of the model.

Aggressive Growth DFA Core Market ETF Wealth
The DFA Core Market ETF Wealth Models provide allocations for a relatively modest portfolio emphasis on higher expected returns and limited deviation from the market. This is the aggressive growth version of the model.

Aggressive Growth Wealth Accumulation
To provide a globally diversified, cost effective solultion for aggressive growth clients that do not currently meet the minimum balances for IFP’s Standard Model Portfolios. Aggressive growth portfolios typically target an allocation mix of 100% equity and 0% fixed income.

Aggressive Growth ETP Strategic
Seeks capital growth in excess of IFPAM’s aggressive growth benchmark by employing a long-term investing approach. Aggressive growth portfolios typically target an allocation mix of 100% equity and 0% fixed income.

Aggressive Growth ETF Passive
Seeks to provide a low cost, tax efficient, globally diversified portfolio with minimal tracking error to IFPAM’s aggressive growth benchmark. Aggressive growth portfolios typically target an allocation mix of 100% equity and 0% fixed income.

Aggressive Growth Alpha Beta Hybrid Strategic
Seeks capital growth in excess of IFPAM’s aggressive growth benchmark by employing a long-term investing approach. Aggressive growth portfolios typically target an allocation mix of 100% equity and 0% fixed income.

Aggressive Growth MF Strategic
Seeks capital growth in excess of IFPAM’s aggressive growth benchmark by employing a long-term investing approach. Aggressive growth portfolios typically target an allocation mix of 100% equity and 0% fixed income.

Aggressive Growth Socially Responsible Investing
Seeks capital growth in excess of IFPAM’s aggressive growth benchmark by using funds that are deemed “socially responsible” by Morningstar and by employing a long-term investing approach. Aggressive growth portfolios typically target an allocation mix of 100% equity and 0% fixed income.

IFP Focused Size Model
A long-only equity strategy using current market capitalization to select the top 50 stocks with the highest market caps. The portfolio aims to identify companies with largest market caps and allocate positions using an equal-weight methodology, subject to sector constraints. Sector weights are capped at 20% to help improve concentration risk present in top market cap indexes. The strategy is rebalanced semi-annually, and positions are kept as long as they remain in the top 80 by market cap when reconstituted.

IFP Focused Dividend Yield Model
IFPAM’s Focused Dividend Yield model targets U.S. companies with the highest dividend yields. The model screens the top 900 U.S. stocks by market capitalization and selects the 30 stocks with the highest trailing-twelve-month dividend yields. These companies must have sustainable dividend payouts, as measured by their payout ratio, and must have paid a dividend for each of the last 3 years to be eligible for inclusion. The portfolio is subject to sector constraints to ensure diversification which is capped at 25% per sector. Each stock is equally weighted within the portfolio, and the positions are reviewed annually. Companies that stop paying dividends between rebalancing periods are replaced by the next highest-yielding stock, maintaining a focus on income sustainability. The portfolio rebalances on the first trading day of the strategy annual anniversary, which is October.

IFP Boosted Stock Model
Our investment strategy is driven by “Battle Royale,” a machine learning algorithm tailored for the financial sector. This sophisticated tool is adept at handling extensive datasets and numerous input features, efficiently processing the dynamic data of financial markets. Much like other tree-based models, it excels in ignoring irrelevant features and discovering complex, non-linear relationships among inputs. In our “Battle Royale” approach, each company within the Russell 1000 index is evaluated against every other, with performance measured against the goal of maximizing alpha—a benchmark of risk-adjusted performance. Companies are ranked by the number of these comparative “battles” they win, ensuring our portfolio focuses on those that demonstrate superior performance capabilities. Our portfolio maintains a targeted approach by holding between 10 and 15 companies, allowing for optimized diversification and risk management. This selective and rigorous AI-driven analysis enables us to pinpoint and invest in companies that are not only leaders but consistent performers, thereby aiming to provide robust returns to our investors through a concentrated selection of the best-performing stocks from the Russell 1000 index.

AI Beneficiaries – Long Term 50
This portfolio is comprised of stocks that are indirectly benefitting from Artificial Intelligence in the long-term. Long-term beneficiaries are the companies that are exposed to the largest benefit from leveraging AI within their business to increase sales and lower labor costs from AI automation. This portfolio takes the top 50 companies that have the largest potential change to baseline earnings from AI.

AI Beneficiaries – Long Term 10
This portfolio is comprised of stocks that are indirectly benefitting from Artificial Intelligence in the long-term. Long-term beneficiaries are the companies that are exposed to the largest benefit from leveraging AI within their business to increase sales and lower labor costs from AI automation. This portfolio takes the top 10 companies that have the largest potential change to baseline earnings from AI.

AI Beneficiaries – Near Term
This portfolio is comprised of stocks that are directly benefitting from Artificial Intelligence in the near-term. Near-term beneficiaries represent companies that are directly involved in AI and fall into three categories: Enabler, Hyperscaler, and Empowered User. Enablers produce semiconductors and related equipment to build AI; Hyperscalers provide extensive cloud computing structures to commercialize AI on a large scale; Empowered Users are tech companies leveraging AI technology to amplify business.

Trueshares Structured Outcome
TrueShares Structured Outcome model is equal weight across four ETF’s that utilize a buffer protect options strategy, that seeks to provide investors with returns (before fees and expenses) correlated to those of the S&P 500 Price Index. As part of this strategy, the ETF’s seek to provide an 8-12% downside buffer (with the advisor targeting 10%) on the first of that index’s losses over a 12-month investment period, beginning on a specified date and resetting exactly 12 months later. The strategy is implemented through the purchase and sale of options on the S&P 500 Price Index or an ETF that tracks the S&P 500 Price Index.

IFP Multifactor Model
IFPAM’s Multifactor Model invests in the top 60 companies that demonstrate the best value, quality, fundamental, and momentum factors. In this version, each stock receives a relative weight based on the factor score in the portfolio.

IFPAM Global Value Sleeve
Pure global value equity ETF sleeve to use with other models.

IFPAM International Equity Sleeve
Pure international equity ETF sleeve to use with other models.

Hedge Fund Tracker Top 10 Model
Stocks come from the quarterly 13F filings, point in time, approximately 45 days after the end of month filing date of each quarter, typically by the middle of February, May, August and November. Thus, the model is reconstituted with an approximate 45-day lag after the quarter-end, with positions occasionally rebalanced to equally weight. Hedge funds considered had to have Assets Under Management (AUM) greater than $3.5 billion and to have outperformed the S&P 500 Total Return from 2008, and also over the last 3 years. There were only 40 hedge funds satisfying these criteria. The top 10 picks from the group are selected according to a Combined Percent of Portfolio method by summing each securities percent of portfolio for each filer. Stocks with the highest combined percentage count are picked first. ETFs, options and short positions are excluded.

Hedge Fund Tracker Top 50 Model
Stocks come from the quarterly 13F filings, point in time, approximately 45 days after the end of month filing date of each quarter, typically by the middle of February, May, August and November. Thus, the model is reconstituted with an approximate 45-day lag after the quarter-end, with positions occasionally rebalanced to equally weight. Hedge funds considered had to have Assets Under Management (AUM) greater than $3.5 billion and to have outperformed the S&P 500 Total Return from 2008, and also over the last 3 years. There were only 40 hedge funds satisfying these criteria. The top 50 picks from the group are selected according to a Combined Percent of Portfolio method by summing each securities percent of portfolio for each filer. Stocks with the highest combined percentage count are picked first. ETFs, options and short positions are excluded.

IFP Focused GARP Model
Our “Growth at a Reasonable Price” strategy systematically targets top performance by evaluating the largest 1000 stocks by market cap every quarter, excluding Real Estate and Financial Services sectors. Initially, we filter out the top 10% of these stocks with the highest accrual ratios to prioritize financial health and operational efficiency and remove any with a high probability of bankruptcy using the Altman Z-Score. The selection process then involves scoring the remaining stocks based on a value factor (EV/EBITDA), growth factors (including EPS, Sales, and FCF growth), and quality attributes. These factors are equally weighted and utilized to rank the stocks based on their value, growth, and quality, ensuring a robust evaluation framework. Our strategy focuses on holding a diversified portfolio of 30 stocks, each equally weighted. We maintain a maximum sector weight of 20% to avoid overexposure, and stocks that remain in the top 75 from the previous quarter are retained to ensure continuity and stability in our portfolio. This methodical approach aims to capture growth at a reasonable price, balancing potential returns with prudent risk management.

First Trust – Equity Income
The First Trust Strategic Focus Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the equity income version of the model.

First Trust – Defensive Equity
The First Trust Strategic Focus Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the defensive equity version of the model.

First Trust – International Equity Model
The First Trust Strategic Focus Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the international equity version of the model.

First Trust – Domestic Equity Model
The First Trust Strategic Focus Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the domestic equity version of the model.

First Trust – All Equity Model
The First Trust Strategic Focus Model Portfolios consist of ETFs and were created by the First Trust Advisors Model Investment Committee. These models are designed to provide IARs with core equity, core fixed income and core alternatives foundations to build scalable asset allocation solutions for their clients. This is the “all equity” version of the model.

IFP Focused Dividend Growth Model
IFPAM’s Focused Dividend Growth model invests in companies that pay high levels of dividends. The model screens for companies that not only are paying dividends, but also for those companies that have had a history of consistently paying and/or increasing their dividends. The payout ratio, the amount of dividends being paid relative to the amount of earnings a company is generating, is analyzed for each stocks in the portfolio to ensure that the dividend is sustainable. Each position receives an equal weight in the portfolio. The constituents are changed once per year in April, based on the model’s screening criteria.

IFP Focused Shareholder Yield Model
IFPAM’s Focused Shareholder Yield model invests in companies demonstrating strong Shareholder Yield. Shareholder Yield is measured by summing a company’s dividend yield, its share buy backs (the percentage of shares outstanding that have been repurchased or issued over the last year), and its net debt pay down (the amount of debt the company was able to reduce from its balance sheet). Essentially, the model is looking for companies that have been returning capital to shareholders in predictable manner. The model is not solely focused on obtaining dividend income, so should not be used as a substitute for a dividend or income strategy, but instead should be used for total return. The strategy tends to have a value tilt. The model is designed to be approximately sector neutral to the S&P 500 and each position receives an equal weight in the portfolio. The constituents are changed once per year in April based on the model’s screening criteria.

IFP Focused Quality Model
IFPAM’s Focused Quality model invests in companies with healthy balance sheets, earnings that are persistent in nature, and strong cash flow relative to liabilities. Companies evaluated typically demonstrate financial strength through high capital and sales profitability, high levels of free cash flow, low levels of debt, and low levels of accruals. Companies included in the model also tend to have a history of earnings stability. The Focused Quality model is designed to be approximately sector neutral relative to the S&P 500. Each position receives an equal weight in the portfolio. The constituents are changed once per year in April, based on the model’s screening criteria.

IFP Focused Momentum Model
IFPAM’s Focused Momentum model invests in companies that are experiencing positive price momentum. The philosophy behind the strategy is “the trend is your friend”. The Focused Momentum model takes advantage of the fact that markets tend to continue to trend in the direction they’re going much longer than most people assume possible. Investments that have performed well tend to continue to perform well and investments that have performed poorly tend to continue to perform poorly. The Focused Momentum model tends to work best in strong upward trending markets. The strategy tends to lag in choppy, sideways markets. The strategy tends to have high turnover as the constituents are reviewed and modified every month. Due to the high turnover and potential for realizing gains and losses, this strategy works best in qualified accounts.

IFP Focused Minimum Volatility Model
IFPAM’s Focused Minimum Volatility model attempts to provide investors with market-like returns with less volatility than the broad market, as measured by the S&P 500. The model aims to smooth out the returns by reducing downside during bear markets, while still participating in up markets, albeit possibly to a lesser extent. By limiting drawdown, the model could potentially help investors avoid emotional reactions related to market sell-offs, which can cause them to sell at inopportune times. The model invests in companies that have previously demonstrated lower than average volatility relative to the broader U.S. equity market.

IFP Focused Value Model
This model uses a concentrated deep value strategy to provide exposure to the value factor, primarily using the Acquirer’s Multiple to find attractive mid and large-cap companies. The Acquirer’s Multiple is a valuation ratio used to find attractive takeover candidates. This metric targets undervalued companies that are generating strong operating earnings relative to their enterprise value. This not only helps find companies that are attractive for takeover, but also has proven to be a valuable predictive tool for future stock returns. In addition to finding companies with low acquirer’s multiples, this model further examines how persistent each company’s earnings are. Earnings persistence measures how much of a company’s earnings are cash based versus accrual based (recognizing revenue without a cash transaction). This filter removes companies with high amounts of accrual earnings (low earnings persistence). This model is somewhat contrarian in nature, as it often invests in companies that have fallen out of favor in the public eye, but still are generating ample operating income relative to their enterprise value.