Broker Check

THE PGR MODEL FOR INVESTORS

The PGR Solutions* (PGR) model is a passive investment model based on the academic research of U.S. market history. In contrast to chasing performance, "Position" investing, as practiced by PGR, focuses on well-diversified asset allocation and lowered costs in an effort to achieve results over the long-term. PGR strives to achieve this position goal by utilizing several academically-proven principles. PGR's strategy is based upon five simple tenets:**

  1. Invest in the broad markets, including over 12,000 securities in 47 countries, thereby reducing the risk, speculation, and high costs of Wall Street;
  2. Globally diversify our model allocations, because the US is less than half of the world's global economy;
  3. Build structured portfolios to capture an increase in expected returns to mitigate risk;
  4. Lower the costs associated with investing through lower fund expense ratios and operational costs compared to average actively-managed fund; and
  5. Remain disciplined to our investment strategy in both up and down markets

PGR Solutions uses a coordinated, three-part management design, which is designed to efficiently and transparently manage your investments. The system is designed as follows: Dilday and Associates (through FFEC) recommends PGR Solutions for a client's portfolio. Accordingly, the client invests money with the Trust Company of America (TCA), who acts as the custodian, and who also provides record-keeping and investment recording services. PGR Solutions manages the model allocations and uses Dimensional Fund Advisors (DFA) as the fund manager.**

Overall, PGR Solutions' model allocations provide clients with a selection of comprehensive investment solutions for a variety of financial situations and risk tolerances, which are all designed to control and mitigate risk through global diversification and discipline.

*PGR Solutions, LLC (PGRS) is an investment advisor registered with the Securities and Exchange Commission. The PGRS GAAS Portfolios are made up of funds managed by Dimensional Fund Advisors (DFA).

**Cited from PGR Solutions

***Dimensional Fund Advisors is an investment advisor registered with the Securities and Exchange Commission. Consider the investment objectives, risks, and charges and expenses of the Dimensional funds carefully before investing. For this and other information about the Dimensional funds, please read the prospectus carefully before investing. Prospectuses are available by calling Dimensional Fund Advisors collect at (310) 395-8005; on the Internet at www.dimensional.com; or by mail, DFA Securities Inc., c/o Dimensional Fund Advisors, 1299 Ocean Avenue, Santa Monica, CA 90401.

THE PRINCIPAL RISKS OF INVESTING

The principal risks associated with an investment are fully described in the prospectus in the section call "Principal Risks." The value of an investment will fluctuate based on economic, political, and stock-specific events, and there is a chance you will lose money. Small company stocks may fluctuate more in price than those of large companies. Stocks of non-US companies may also fluctuate due to these factors and expose investors to fluctuations in currency exchange rates. The stocks of companies in emerging markets are subject to additional risks due to the unstable nature of some governments and the small and illiquid nature of their securities markets. The use of derivatives to hedge specific risks may increase expenses, and there is no guarantee that a hedging strategy will work. Past performance is no guarantee of future results.

Mutual funds distributed by DFA Securities Inc.