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We suggest that the FreedomFolios app is best used with investment account greater than $1,000.

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Portfolios are created using our designer's experience, training and/or the help of other industry pros/peers. They are similar to the portfolios they use in their financial practices, but are designed to be used by do-it-yourself investors who are cost conscious and not looking for an active trading strategy. And, in case you are wondering, the difference between FreedomFolios and an active trading strategy is FreedomFolios is not a market timing strategy. It is better suited for long term investors who are cost conscious and eager to learn more about managing their own investments.

We are committed to simplicity and efficiency. We created FreedomFolios to offer you a sophisticated portfolio solution which changes as needed. Your designer doesn’t suggest trades for fun, they suggest allocation trades when they think they are necessary. Most months there should be no changes while other months may have multiple changes to the investments. We think it is fair to assume fewer than 6 changes per year. That number may adjust depending on changing market conditions, your risk tolerance, portfolio selection, etc.

First, your FreedomFolios investment profile tool will not be investment advice; rather, it will provide you with suggestions for portfolio design. You can choose to follow the suggestions verbatim or modify as you choose. We strongly suggest you use them and follow them as indicated. From our experience, one of the most common attributes of a failed investor is the inability to stick to a strategy. This tool should be viewed as a strategy and should be followed consistently through rising and declining market conditions. Timing the FreedomFolios strategies is NOT RECOMMENDED. This is a common practice of DIY investors, when they buy and sell a stock or mutual fund trying to time the price volatility to capture gains or avoid losses. Our portfolios have this strategy built in by our designers/newsletter creators. So, trying to buy and sell our suggested portfolio mix (timing), is the same as "timing a timing" strategy. It undermines the purpose of this tool and “the strategy” developed. If you commit to using it, then follow it without changing anything.

Second, the low cost of FreedomFolios offers investors with an alternative to a comprehensive investment advisory relationship which inherently costs more. However, we do not think FreedomFolios is a replacement to a quality relationship with an experienced and well-rounded financial advisor. The bottom line; we know, from experience, most people would benefit greatly from a relationship with a quality advisor, but we also know many people do not make the time to find and develop this type of relationship. So, we are providing a solution to the investment component. If you would like a referral to a quality advisor in your area, please send us a message, we will help you find one, even if it means you leave FreedomFolios. At the end of this, we want you to succeed.

We think most people do itemize this expense on their tax return as investment advice. However, we are not permitted to provide tax advice, so this is a discussion you and your tax advisor should have.

Assessing investor risk tolerance is perhaps the most important aspect to portfolio design, but is typically not given enough consideration by investors. Saying you are conservative makes me wonder “how” conservative you are? Are you completely risk adverse and can handle no value losses? If so, then our suggestions are not designed for you. We offer various suggested portfolio allocations to align with different types of risk tolerances: defensive, conservative, moderate, moderately aggressive, aggressive and speculative. Each portfolio is appropriately named and described, but each is also suggesting an investment allocation which will fluctuate in value. This conservative allocation is appropriate for an investor with low risk tolerance, but is designed to give them cautious exposure to potential value increases. Every investor needs to know that all investing involves some level of risk. It is your job to discover how much risk you can tolerate and to understand that a reduced level of risk translates into a reduced reward expectation. Our app provides a scored risk tolerance assessment questionnaire for those that are not sure what investment strategy to choose.