| SHARPER GRANITE |

| Sharper & Granite constructs and manages low-cost, tax-efficient, custom portfolios for individuals. Investment strategies and portfolio models are developed for each client based on financial needs, time horizon, risk profile and outside assets. The Sharper & Granite investment philosophy begins with sound academic research covering decades. Our investment processes leverage key data and research from renown academics at the Wharton School of Business and the Kellogg Graduate School of Business. Based on this research and economic analysis, we have developed a fundamentally sound investing strategy. Sharper & Granite portfolios generate value beyond most actively managed mutual funds by excelling in four key areas: 1. Build portfolios with maximum risk-adjusted performance: Construct portfolios with the optimal combination of securities that maximizes total risk-adjusted return. Emphasize sector index-based securities rather than individual stocks or mutual funds. 2. Minimize costs and taxes: Minimize transaction costs. Use the lowest cost, most tax efficient securities available in a given asset category. Rebalance portfolios efficiently. 3. Customize around client specific needs and manage toward life goals: Customize portfolios around time horizon, risk profile, and life events. Build portfolios which factor all client assets, even those outside of Sharper & Granite direct management. Total client net worth may consist of real estate, company stock and options, 401(k)’s, etc. Optimal portfolios are constructed to balance the risks and tendencies of these other assets. Manage portfolio projections toward lifetime financial goals, such as retirement and college, using customized Monte Carlo simulations. 4. Build lasting client relationships: Answer to and accept compensation only from clients, never through trading activity or selling of particular products. Build long-term trust through competence, integrity and reliability. For a more detailed discussion of the Sharper & Granite investment philosophy, please download our brief Philosophy document: |
| SHARPER GRANITE Philosophy |
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| Achieving Financial Goals |
| Optimal Portfolio Management |