• We invest assets without taking specific and individual stock risk and without the responsibility of selecting individual securities.

• This is accomplished primarily through the use of no-load mutual funds of stocks.

• We strive to allow clients to participate in gains during rising market periods, and to focus on preserving capital in declining markets, to the extent reasonably permitted by changing market conditions.

Asset allocation design and implementation

Superior fund selection based on researched-based fund performance

Diversification by investment style and strategy

Risk adjustment according to market conditions (as may be applicable)

Low-turnover, tax-efficient portfolios, if required by the client

We are not short-term traders. However, our clients may benefit from our asset allocation strategies combined with detailed knowledge of specific no-load mutual funds and their specific mandates.

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Andrew J. Fama Asset Management, LLC is compensated through a fee schedule based on assets under management. This means that our incentive is aligned with the goals of our clients, and our compensation can increase only as a client portfolio grows in value.

Since we are not compensated for trades, we are free to provide totally objective advice that helps clients pursue long-range financial goals.

We work only for our clients and do not manage or advise any mutual fund group or receive money from them.

Each portfolio is populated with the highest quality no-load funds, which we objectively choose from the thousands available, based upon our insights and expertise.

We exercise discretion to execute trades based upon our analyses of fund performance, current market conditions, and expectations of future conditions.

Preservation of Capital

The key to successful investing is not just to make money in rising markets but also to avoid losing big in down markets.

Therefore, we manage money actively to participate in gains and also to preserve capital.

If necessary, we will elect to take defensive measures, when appropriate, in order to protect our clients’ assets.

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