Focal Point Management

Performance Overview
December 2009

How well is your money working for you?

FOCAL POINT MANAGEMENT

Investment Strategy

1) Broad Diversification
- Stocks (Growth & Value, US & International)
- Bonds (Corporate & Government, US & Global)
- Real Estate, Natural Resources, Absolute Return

2) Investment Optimization
- “Best in Class” mutual funds
- Flexible Asset Allocation & Defensive Hedging
- Proprietary signals shift portfolio
allocations and entry/exit points to
benefit from up and down market moves

3) Strategy customized to each individual’s risk

tolerance, objectives and tax management
FOCAL POINT MANAGEMENT
How Well is Your Money Working for YOU?

Focal Point Management

Average Annual Returns (as of 12/31/2009)
Focal Point Diversified
Diversified Benchmark
8.34% S&P 500

3.26%

-1.21%
Annual Returns since Inception (December 31, 2003) to December 31, 2009
S&P 500 is an unmanaged, broadly diversified stock index
Benchmark is a weighted composite of index returns for each asset class Focal Point invests in
Focal Point returns are net of all fees and trading costs

FOCAL POINT MANAGEMENT

Cumulative Investment Growth of $100,000

$161,690 Focal Point Diversified

Diversified Benchmark
S&P 500

$121,190

$92,980

Performance since Inception (December 31, 2003) to December 31, 2009

S&P 500 is an unmanaged, broadly diversified stock index
Benchmark is a weighted composite of index returns for each asset class Focal Point invests in
Focal Point returns are net of all fees and trading costs

FOCAL POINT MANAGEMENT

Diversified Portfolio Asset Mix

5%

5%
5%

45%

25%

U.S. Equities 45%

International Equities 15%
Fixed Income & Cash 25% 15%
Real Estate 5%
Natural Resources 5%
Absolute Return 5%
Cash 0%
As of December 31, 2009

FOCAL POINT MANAGEMENT

Optimized Risk Management

6.21

50%

-0.06

Focal Point S&P 500 Index

Alpha measures risk efficiency - the more positive Alpha is, the more
risk-efficient an investment is. Focal Point’s positive Alpha reflects
this favorable out-performance.

FOCAL POINT MANAGEMENT

Amin Khakiani (Background)

Registered Investment Advisor

- Independent
- Fiduciary responsibility to put your interest first
- Full Disclosure – no conflict of interest
- Fee based compensation

Education
- MBA, University of Michigan

Corporate finance & strategic planning experience:

- Occidental Petroleum
- AlliedSignal/Honeywell International
- Tax Auditing experience
FOCAL POINT MANAGEMENT
Variety of Investment Account Options
Personal Retirement
- IRA, Roth IRA, Rollover IRA, Rollover 401k

Personal Non-Retirement
- Investment Account, Trust

Education Savings Plans

- Coverdell Education Savings Account

Business Retirement Accounts

- SEP IRA, Individual 401k, Defined Benefit Plan,
SIMPLE IRA, Employer 401k

Institutional
- Foundation/Endowment, Trust, Corporate
FOCAL POINT MANAGEMENT