Professional Asset Management • Retirement / 401(k) Plans • Retirement Distribution Strategies
Retirement Plan Rollovers • IRA Rollovers • Personal Financial Planning
Business Financial Planning • Estate Conservation Strategies

Millennium Asset Manager Program
Based on a tactical asset allocation model, this program is designed to produce higher returns by managing risk in the markets. This model protects your investments in the high-risk markets by minimizing your exposure, and conversely, in low risk markets, by maximizing the concentration of your investments. The Millennium Asset Manager Program gives you the opportunity to participate in a growth strategy that seeks maximum return consistent with prudent risk management.

Unlike buy and hold theories of other asset allocation models, the Millennium Asset Manager Program gives the investor looking for long-term capital appreciation the advantage of asset class diversification with the flexibility to adjust allocations based on unexpected shifts in the markets.

This program offers three portfolios: Long Term Growth, Moderate Growth, and Conservative Growth.

Factors Considered

• Investment Objectives
• Short and long term goals
• Time horizon
• Risk tolerance
• Investor profile

Overall Strategy
Long term capital appreciation achieved through diversified growth portfolios employing tactical asset allocation models.

Asset Allocation
Our Asset Allocation Models are designed to manage risk in the markets. Simply put, the riskier the markets, the less exposure we will have to those markets. The other side to our risk management approach is that the lower the risk in the markets, the greater the concentration in those markets. This model leads us into the strategies we employ in our tactical allocation selections.

Model Portfolios
Our models allow us to change allocations based on market conditions.

Our Long Term Growth Model, with our tactical overlay, can have as much as 100% invested in equities or as little as 55%. The minimum and maximum bond allocation ranges from 0% to 45%. Any cash allocation is used as a safety net for the portfolio during very risky times. Think of it as a parking place for the assets while looking for the entry points back into the markets as risk is alleviated.

Long Term Growth Fully Defensive Fully Invested

Our Moderate Growth Model is appropriate for clients who require slightly more risk protection. Our tactical overlay for this portfolio can have as much as 85% invested in equities or as little as 45%. The minimum and maximum bond allocation ranges from 10% to 55%. Any cash allocation is used as a safety net for the portfolio during very risky times.

Moderate Growth Fully Defensive Fully Invested

Our Conservative Growth Model is appropriate for conservative accounts with a low risk tolerance. Our tactical overlay for this portfolio can have as much 70% in equities and as little as 20%. The minimum and maximum bond allocation ranges from 30% to 80%. The cash allocation can range from 0% to 45%.

Conservative Growth Fully Defensive Fully Invested

A company’s retirement plan and business plan should work together. Your goals for your business should encompass a retirement plan designed to help you achieve those goals. At Millennium we will help you custom design a program to get retirement funds to the key employees your business depends on.

One of the most important components of a retirement plan is providing your employees with the proper information and education. Through our professional expertise, you and your employees will be given the tools needed to make well-informed decisions. From design to implementation to ongoing education and investment monitoring, Millennium strives to deliver outstanding service along with the retirement plan that best fits your business.


You spend many years accumulating assets for the future so that you can enjoy your retirement years. Once you get there, the biggest fear for many retirees is running out of money. How can you have peace of mind in knowing you won’t run out of money? Through our financial planning process we will examine your entire financial picture. We will categorize your assets and create retirement distribution strategies to help you maintain your lifestyle. Through our Millennium Asset Manager Program we will design a portfolio aimed at providing you with the income you need for today and the growth you need for tomorrow.


When you retire or change jobs, one of the biggest decisions you will make is what to do with your retirement plan assets. One of your options is to roll the money into a retirement account called a Rollover IRA.

What is a Rollover IRA?
A rollover IRA is a special kind of individual retirement account that is established by investors who change jobs or retire and receive an eligible distribution from their employer’s qualified retirement plan, such as a 401(k), 403(b), 457, money purchase pension or profit sharing plan.

Why should I consider a rollover IRA?
When you leave your 401(k) with a former employer, your investment choices may be limited. When you work with Millennium, we will customize a portfolio and a strategy that works towards your goals and objectives for the future. Through our ongoing financial planning process we will design retirement distribution strategies to help you maintain the lifestyle you desire when you reach the retirement phase of your life.

Earnings and withdrawals:

• Earnings grow tax deferred and are taxed at your ordinary income tax rate upon withdrawal.
• You must begin taking minimum distributions from a Rollover IRA beginning at age 70½.
• Early withdrawal penalties may apply for withdrawals prior to age 59½.
• Penalty-free distributions for special purposes may be permitted prior to age 59½.

Many investors save money in Individual Retirement Accounts. Some investors invest for years in low paying bank CDs or other investments that they hope over the long term will be able to provide them with retirement income. At Millennium, we believe we have a better way. Through our Millennium Asset Manager Program, you can benefit from having your IRA professionally managed.

If growth is the objective you have for your IRA, we can help. Your personal advisor will work with you to determine which growth model is right for you. Your advisor will monitor your portfolio and meet with you periodically to make sure your portfolio is in line with your goals and objectives. As you near retirement we will work with you to develop IRA distribution strategies.

If you would like your IRA assets to work better for your future, meet with a Millennium advisor to discuss your options.

Financial planning can help you take control of your finances. Your personal financial plan is the foundation of your financial success. By understanding where you are today and where you want to be in the future, you can make smarter financial decisions. At Millennium you will work with your personal advisor to design a financial plan that will help guide you toward achieving your goals.

Your personal advisor will help you:

• Identify your financial goals
• Focus on your priorities
• Collect data and understand your current financial condition
• Analyze your data and current situation
• Develop strategies to help you achieve your goals
• Take the steps to implement your plan
• Continually monitor and reassess your financial plan.

If you are serious about achieving your financial goals, start by planning for success. Your personal financial plan is the foundation for that success. Begin today and plan to succeed.

Whether you are a successful small business owner or a corporate executive, planning for the ongoing success of your business can be a difficult but very important task. Begin by asking these questions:

• Do I have the best benefits program in place for my employees and my business?
• How can I keep the key employees my business depends on?
• Will my business be able to continue if something were to happen to me or to my key employees?
• Is there a succession plan in place for the business?

These are just a few of the issues business owners very often leave to chance. At Millennium, you will work with a personal advisor who can help you with these and many other issues that can affect your business.

We will help your business:

• Develop and implement employee benefit programs
• Provide executive bonus plans, restricted executive bonus plans and deferred compensation plans
• Protect from the unexpected loss of key personnel with key man insurance
• Use buy-sell agreements to protect shareholders
• Develop business succession plans

The costs of not doing business financial planning can be enormous. Take the necessary steps now to help ensure the ongoing success of your business.

Estate planning includes not only designating your heirs, but also possibly establishing vehicles such as trusts to protect your assets. This will help ensure your assets go to the people or charities you care about rather than to the government. In the event of mental or physical incapacity, an estate plan can enable other people to help care for you and your property through a durable power of attorney.

Your Millennium advisor will work with your attorney and CPA to help develop and implement an estate plan that best fits the needs of you and your family. As part of your estate planning team, we will help design strategies that will ensure the distribution of your assets according to your wishes. Unfortunately, the IRS is very interested in your estate as well. Lack of proper estate planning could cost your estate money in terms of unnecessary estate taxes.

By planning in advance, your wishes for property distribution can be executed. Your Millennium advisor will help ensure that your planning is consistent with your goals and objectives.

Securities offered through Triad Advisors, Inc. Member FINRA / SIPC