The low volatility portfolio was built with the purpose of attaining market returns or better with equivalent or lower volatility. The portfolio highlights companies with lower than average price volatility and lower than average fluctuations in quaterly revenue. It also attempts to overweight companies with lower than average expected value at risk.

The dividend aristocrat portfolio invests in companies that have a policy of consistenly increasing dividends. The strategy also invests assets in international developed and international emerging equity companies through a series of exchange traded funds.

The Municipal - Ohio - Conservative allocation is constructed using individually purchased municipal bonds issued within the state of Ohio, offering the potential for federally and state tax-exempt income. Each portfolio is built on a bespoke basis, allowing for customization to a client's specific tax situation, income needs, and risk tolerance. The strategy maintains a conservative risk profile, prioritizing credit quality and capital preservation over yield maximization.

The Municipal - Ohio - Moderate allocation is constructed using individually purchased municipal bonds issued within the state of Ohio, offering the potential for federally and state tax-exempt income. Each portfolio is built on a bespoke basis, allowing for customization to a client's specific tax situation, income needs, and risk tolerance. The strategy maintains a moderate risk profile, balancing credit quality and duration considerations with an emphasis on generating income.

The Municipal - Ohio - Aggressive allocation is constructed using individually purchased municipal bonds issued within the state of Ohio, offering the potential for federally and state tax-exempt income. Each portfolio is built on a bespoke basis, allowing for customization to a client's specific tax situation, income needs, and risk tolerance. The strategy maintains a more aggressive risk profile, extending duration and/or accepting lower credit quality where appropriate to pursue a higher level of tax-exempt income.

The Corporate - Conservative allocation is constructed using individually purchased U.S. corporate bonds, offering exposure to investment-grade credit with the potential for attractive income relative to comparable government securities. Each portfolio is built on a bespoke basis, allowing for customization to a client's specific income needs, time horizon, and risk tolerance. The strategy maintains a conservative risk profile, prioritizing higher credit quality and capital preservation over yield maximization.

The Corporate - Moderate allocation is constructed using individually purchased U.S. corporate bonds, offering exposure to investment-grade credit with the potential for attractive income relative to comparable government securities. Each portfolio is built on a bespoke basis, allowing for customization to a client's specific income needs, time horizon, and risk tolerance. The strategy maintains a moderate risk profile, balancing credit quality and duration considerations with an emphasis on generating income.

The Corporate - Aggressive allocation is constructed using individually purchased U.S. corporate bonds, offering exposure to credit with the potential for a higher level of income relative to comparable government securities. Each portfolio is built on a bespoke basis, allowing for customization to a client's specific income needs, time horizon, and risk tolerance. The strategy maintains a more aggressive risk profile, extending duration and/or accepting lower credit quality where appropriate to pursue a higher level of income.

The low volatility portfolio was built with the purpose of attaining market returns or better with equivalent or lower volatility. The portfolio highlights companies with lower than average price volatility and lower than average fluctuations in quaterly revenue. It also attempts to overweight companies with lower than average expected value at risk.

The portfolio highlights companies with lower than average price volatility and lower than average fluctuations in quaterly revenue. It also attempts to overweight companies with lower than average expected value at risk.