STRIVING TO PROTECT & ADVANCE YOUR INVESTMENTS IN UNPREDICTABLE MARKETS

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1 STRIVING TO PROTECT & ADVANCE YOUR INVESTMENTS IN UNPREDICTABLE MARKETS

2 Has investing become an overwhelming task you would like to delegate?

3 OUR VISION. An SEC-Registered Investment Advisor, the Howard Capital Management (HCM) vision originated during the 1987 stock market crash. With the opinion that incurring financially devastating losses due to market volatility is unnecessary, Vance Howard, CEO, initiated a plan to create a strategy with the main objective to protect your investments during market downturns. To support the strategy, Mr. Howard developed a propriety stoploss asset protection tool, The HCM-BuyLine, to offer your investments a downside defense.

4 THE HCM-BUYLINE - YOUR INVESTING COMPASS The HCM-BuyLine is our proprietary stoploss tool designed to take the emotion out of investing and serve as a portfolio guardian in volatile markets. The tool mitigates downside risk and works to avoid catastrophic losses in bear markets. Driven by mathematical market ratios, the HCM-BuyLine attempts to avoid major market downturns by moving out of equities to cash and/or cash equivalents, all while seeking to take advantage of the market upturns. The signals given by the HCM-BuyLine are shown by the arrows on the chart. 1/15/2016 1/11/2008 6/27/2008 2/26/2016 4/14/ /6/2000 1/11/2008 6/27/2008 4/4/2008 6/15/2001 6/9/2006 9/12/2011 8/7/1998 6/2/2000 1/18/2001 4/26/2002 7/23/2004 4/15/2005 8/18/2006 4/4/2008 5/21/2010 1/16/2009 8/13/2010 2/28/1997 4/20/2001 3/8/ /27/2002 8/27/2004 8/18/2006 1/16/2009 7/23/2010 1/3/ /23/ /26/2001 1/2/2009 9/17/2010 5/2/ /18/2002 3/21/2003 1/2/2009 3/27/ /27/2009 In use since 1997, this tool overlays all of our separately managed portfolios, as well as our proprietary Mutual Funds to strive to keep your assets on the safe side of the market. As pictured below, during the financial meltdown in 2008, the HCM-BuyLine signaled to exit the stock market, avoiding much of the worst market draw-down in the past decade and preserving client assets resulting in better performance.

5 STRAIGHTFORWARD SOLUTIONS. Tactical management is a powerful, straightforward solution to helping you navigate volatility while driving performance and protecting against inflation. Investments and market conditions need to be monitored continuously to take advantage of opportunities and avoid challenging conditions. If you are unable to monitor your investments regularly, you should seek assistance by delegating your investments.

6 BUILD A PORTFOLIO TO WEATHER ALL MARKET CONDITIONS. Our separately managed accounts and Mutual Funds are proactively and tactically managed. With investment options spanning across all the various sectors and asset classes, we offer a strategy for everyone in every season of life. Whether you are a young investor, planning for retirement or in retirement, we have an investment model to suit your needs, risk level and goals....prepare for at least two declines of 25-30%, maybe even 50%, in the coming decade. - John Bogle, Founder of Vanguard Funds SCARY PREDICTIONS. According to John Bogle, founder of Vanguard Funds, in an interview with CNBC on April 1, 2013, we need to prepare for at least two declines of 25-30%, maybe even 50%, in the coming decade. He continues, I went through one in , I went through one in 2001, 2002, 2003; I went through another one They re kind of scary often terrifying but it s typical.

7 On average, across eight different age cohorts, the difference in annual returns for Help Participants was 3.32% higher than for Non-Help Participants, net of fees. Additionally, the difference in annual returns for Help Participants was better in each age group, with the median annual performance difference ranging from 2.13% to 3.70%. - Financial Engines & AON Hewitt: Help in Defined Contribution Plans: 2006 through 2012 PREPARING FOR RETIREMENT WITH PROFESSIONAL HELP. A company-sponsored retirement plan is one of the greatest gifts from your employer that deserves careful attention. Dalbar certified, this online tool carefully watches over your investments, notifying you when you need to make a change or adjustment to your portfolio. In a few easy steps, you can take more control of your The 401(k) Optimizer (private sector) and the retirement investments. TSPNavigator (public sector) can offer you assistance in managing your company or government sponsored retirement plan. With the additional overlay of the HCM-BuyLine, you also receive personalized recommendations on how to allocate Preparing for retirement is important to us here at Howard Capital Management. Let us, along with your financial advisor, help you protect and build for your future. your portfolio according to your goals and risk level.

8 EVEN MORE OPTIONS FOR YOUR RETIREMENT PLAN. A Self-Directed Brokerage Account (SDBA) is an A SDBA is ideal for participants with a 401(k), 403(b) account which allows some company-sponsored or 457 account. Contact your HR department today, retirement plan participants the opportunity to or go online, to determine if your retirement account move their assets into a brokerage account and has a brokerage window. choose from a larger selection of investment choices to invest in rather than, or in addition to, their core BENEFITS OF A HCM SDBA: investment plan options. Working with an advisor, you have the ability to choose other investments outside the options provided in your employer s plan. Greater range of investment options mutual funds Tactical Management Stoploss protection No taxable event or penalty for moving assets A Clear Vision We tactically select the investments for your actively managed portfolio based on your personal risk level.

9 WHO SHOULD I TRUST TO HELP MANAGE MY ASSETS? Vance Howard is the CEO, Founder and Portfolio Manager of Howard Capital Management. The firm offers an array of investment choices across different asset classes and sectors including three proprietary Mutual Funds. Following the 1987 stock market crash, Mr. Howard sought to find an effective way to mitigate downside risk. His years of research yielded the disciplined and systematic investment process now called the HCM-BuyLine. The HCM-BuyLine is an emotionless, mathematical process driven by market ratios. Our investment programs and funds use the HCM-BuyLine to determine when to be in the market and when to be out of the market. Mr. Howard and his team of financial professionals have offered professional money management through Howard Capital Management, Inc. for the public since inception in He specializes in research, development, and implementation of various types of trading systems. After years of research, he developed a disciplined, systematic, and non-emotional method of investing that is designed to protect clients assets during market declines.

10 Disclosures: Howard Capital Management, Inc. (HCM) offers its investment methodology through multiple programs that may invest in exchange traded funds (ETFs), mutual funds and stocks. This service is available for a cost in addition to those associated with the underlying securities. Our standard annual management fee is 2.2% of assets under management, charged quarterly in advance. An investor should carefully consider investment objectives, risks, charges and expenses before investing in a mutual fund or ETF. This information and more complete information, including potential risks, is included in each product s prospectus, which can be obtained from your financial professional. Read the prospectus carefully before investing. Mutual funds and ETFs are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor s shares when redeemed may be worth more or less than their original cost. There are unique potential risks associated with the specific asset classes that a mutual fund or ETF represents. Investments in smaller companies typically exhibit higher volatility. In addition to the normal risks associated with investing, narrowly focused investments typically exhibit higher volatility. Bonds and bond funds will decrease in value as interest rates rise. Commodities markets have historically been extremely volatile. Inverse funds should lose money when their benchmark indexes rise a result that is opposite from traditional mutual funds or ETFs. Inverse funds also entail certain risks, including inverse correlation, leverage, market price variance and short sale risks. Investments in foreign investments generally incur greater risks than domestic investments. International investments may involve risk of capital loss from unfavorable fluctuation in currency values, from differences in generally accepted accounting principles or from economic or political instability in other nations. Emerging markets involve heightened risks related to the same factors as well as increased volatility and lower trading volume. You should carefully consider the risk, charges and expenses of an exchange traded fund prior to investing. This and other important information can be found in the product s prospectus. The graphic on p.5 represents some of the dates on which our proprietary indicator, the HCM-BuyLine, identified changes in the market trend. Buys and sells may or may not have occurred on the exact dates shown. These dates do not necessarily reflect transactions applied to every individual account. Also, certain products, custodians and portfolios may have a delay in execution. When the HCM-BuyLine indicates a bull market, HCM then identifies the particular mutual funds, ETFs or individual stocks that we believe have the best return potential in the current market from the universe of assets available in each given program and invests in them. When the HCM-BuyLine indicates a bear market, HCM moves clients investments to less risky alternatives. Not every HCM-BuyLine buy and sell will result in a profitable trade. There will be times when following the indicator results in a loss. However, there have been situations in the past in which HCM reduced clients exposure to equities during market downturns by following an HCM-BuyLine signal, thereby preserving capital. An important goal of the BuyLine is to outperform the market on a long-term basis. The reason is the mathematics of gains and losses. For example, a portfolio which suffers a 30% loss takes a 43% gain to return to the previous portfolio value. The HCM-BuyLine is a reactive indicator, not a proactive one. It will not catch the first 5 10% of a bull or bear move. Ideally, it will avoid most of the downtrends and catch the vast bulk of the uptrends. There may be times when the use of the indicator will result in a loss when we re-enter the market. Other times there may be a modest positive impact. When severe downtrends occur, however, such as in and , it has the potential to make a significant difference in portfolio performance. Stoploss protection will not necessarily contain your losses in the desired amounts due to the limitations of the HCM-Buy-Line, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price. Naturally, there can be no guarantee that the HCM-BuyLine indicator will perform as anticipated. No current or prospective client should assume that the future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended by the advisor), will be profitable or equal to past performance levels. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark for measuring the performance of a portfolio. All investment approaches have the potential for loss as well as gain. Please work with your financial advisor to determine which investment program is consistent with your financial objectives and risk tolerance. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security or investment product. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission of Howard Capital Management, Inc. HCM is registered as an investment adviser with the SEC and only transacts business where it is properly registered or is otherwise exempt from registration. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Any subsequent, direct communication by HCM with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of HCM, please contact HCM or refer to the Investment Adviser Public Disclosure web site (www. adviserinfo.sec.gov). For additional information about HCM, including fees and services, send for our disclosure statement as set forth in our brochure using the contact information herein. Please read the disclosure statement carefully before you invest or send money. The images in this brochure are stock photos. None of them are photographs of current or former clients. Advisory services offered through Howard Capital Management, Inc. MyFedLife.com is not affiliated with or endorsed by the federal government. Information is based on sources deemed to be reliable. Government rules and regulations are subject to change at any time. All investment strategies have the potential for profit or loss. The content of this document is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Howard Capital Management is not engaged in the practice of law or accounting. The TSPNavigator program is an advice-oriented program designed to help clients invest in their employer s TSP or similar defined contribution plan. Clients receive professional recommendations from Howard Capital Management, Inc. and maintain total control over their personal accounts. The goal is to reduce risk by taking proactive measures with company-sponsored retirement plans. Changes in investment strategies, contributions or withdrawals may materially alter the performance, strategy and results of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment (including the investments and/or investment strategies recommended by the advisor), will either be suitable or profitable for a client s investment portfolio. Past performance is no guarantee of future results. Please work with your financial advisor to determine which investment program is consistent with your financial objectives and risk tolerance. Fees and costs are disclosed in Form ADV Part II and the TSPNavigator Program Agreement. Please refer to these documents for any questions. This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission of Howard Capital Management, Inc. Advisory services offered through Howard Capital Management, Inc. Past performance is no guarantee of future results. The HCM 401(k) Optimizer has been evaluated by DALBAR to determine if it meets the requirements to be used as a Certified Computer Model as defined by the Employee Retirement Income Security Act of 1974, as amended [ ERISA ] Section 408(g) and Internal Revenue Code [ IRC ] Section 4975(d) (17). As a result, the HCM 401(k) Optimizer computer model has been granted Certified Computer Model status by DALBAR. This is important, because ERISA plan fiduciaries who meet all other ERISA requirements and use a certified computer model will qualify for the fiduciary relief granted under ERISA Section 408(g). HCM/45 (1/2017)

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