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 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

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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