Philosophy

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 several decades and economic situations. 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 ongoing economic analysis, we use a fundamentally
sound investing strategy to help our clients achieve their financial goals.

Sharper & Granite portfolios generate value by focusing in four key areas:

1. Risk-adjusted performance:
       Construct portfolios designed to perform well based on the level of risk
       undertaken.
       Emphasize sector index-based securities like Exchange Traded Funds
       (ETFs) rather than individual stocks or mutual funds.

2. Efficiency with costs and taxes:
       Keep transaction costs low.
       Use low-cost, tax-efficient securities in each asset class.
       Rebalance portfolios efficiently.

3. Customization around client-specific needs and management 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. 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 which
       incorporate proprietary Sharper & Granite research.

4. 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.
       Honor our fiduciary responsibility to do what we believe is best for each
       client.

For a more detailed discussion of the Sharper & Granite investment philosophy,
please download:   7 Key Advisor Selection Questions

SHARPER GRANITE Philosophy

SHARPER GRANITE
400 CONTINENTAL PLAZA
SUITE 600
EL SEGUNDO, CA 90245
T [310] 426 2909
F [310] 426 2001
E info @sharpergranite.co m

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