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Investments Disclaimer

By accessing the portfolio fact sheets and performance figures available on this site, you acknowledge that you have read this disclaimer and that none of the information provided is to be considered an advertisement to purchase or invest in, either, the composite portfolio or any of the underlying investments. In no way, should the information provided be construed as an offer, solicitation, recommendation, or endorsement of any particular security, product or service. Further, it is understood, that the performance figures shown do not reflect the deduction of any investment advisory expenses. The returns shown would be reduced by advisory expenses and any other expenses incurred in the management of the portfolio. The investment advisory expenses are described in Part II of Envoy Advisory's Form ADV. The effect of investment advisory expenses, compounded over a period of years, may have a material effect on the total value of an investment portfolio and would impact the returns as stated on the fact sheets.

Click here for access to the Envoy Advisory Form ADV Part 2.

Custom Choice provides access to a carefully screened list of individual investments. If you choose this approach, you are ultimately responsible for selecting, monitoring, and changing your own investments.  Professionally Managed Models are available as an optional choice if you decide you would prefer to have investment professionals make the asset allocation decisions for you. Each model is managed according to specific guidelines and objectives, based on your age or your risk tolerance or both.  

These optional Managed Models involve an additional expense. These fees are automatically deducted from your account on a monthly basis.

Target Dated Models allocate assets and are managed based on your date of birth and approximate time until retirement. Target Dated Models are more aggressive in your younger years and gradually become more conservative as you age and transition into retirement. The additional advisory fee for the Target Date Models is .25% (.0025) per year or .000208 per month.

Risk Based Models are managed based on the specific risk level you select, with five risk levels ranging from Conservative to Aggressive. The advisory fee for the Risk Based Models is .45% (.0045) per year or .000375 per month, and declines as the amount of assets you have in the models reach certain levels.

Risk Based Plus Models are managed based on your expected retirement date and the specific risk level you select. The advisory fee for the Risk Based Plus Models is .45% (.0045) per year or .000375 per month, and declines as the amount of assets you have in the models reach certain levels.