Investment Selection Process One of the important steps in constructing portfolios is the selection of investment managers. Our independent approach to investing allows us unlimited access to various managers whose philosophy aligns with our own. We use both quantitative and qualitative criteria to screen the entire universe of third party managers to identify products with historically competitive track records, strong risk reward metrics, and attractive pricing. We place significant emphasis on being able to optimally combine different managers to further enhance portfolio diversification.DisclosuresAll investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market.