ESTATE COUNSELORS, LLC

The Milwaukee Company is an independent financial advisory firm that offers portfolio management services to individuals, trusts, investment entities, and charitable organizations. They are committed to placing client's interests first, giving advice based on peer-reviewed academic research, and providing personalized client service. Their services include reviewing client's assets and liabilities, assessing risk tolerance and investment objectives, considering investments and asset allocation, risk management and insurance planning, and plan implementation, as well as income tax, retirement, and estate planning. The firm offers portfolio advisory services and generally requires a minimum of $500,000 to open and maintain an advisory account, though this may be waived. Their investment approach involves developing strategically diversified portfolios of index-based exchange traded funds and individual bonds, consistent with client's personal investment objectives and risk tolerance. Client portfolios are monitored, periodically rebalanced, and adjusted as needed.

The Milwaukee Company employs unique, rules-based investment strategies to manage client accounts. These tactical asset allocation strategies use thoroughly researched and backtested algorithms to determine the securities held and their allocation within client portfolios. The holdings are continuously monitored against target allocations to prevent significant deviations. These strategies adapt client portfolios to reflect changes in economic and market conditions, aiming to enhance risk-adjusted returns and reduce portfolio volatility. One such strategy is the Systematic Market Beta (SMB), which seeks to generate market returns under normal conditions and hedge against market corrections or bear markets. SMB adjusts asset allocations based on a set of proprietary indicators to manage risk. SMB-Conservative generally maintains an equity range of 30-45%, while SMB-Growth maintains 50-75%, depending on the strategy's assessment of market risk. When market risk is estimated to be low to moderate, SMB-Conservative invests in a market beta portfolio with roughly 42.50% allocated to stocks, 55% to bonds, and 2.5% in commodities.

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