 
Mutual Funds [Top]
Clifford & Rano Associates, through its broker-dealer, Legend Equities Corporation, offers a wide variety of mutual funds * from many different mutual fund families. We can guide you in selecting the mutual funds that may be best suited to your investment objectives and your investment needs. We work with 78 mutual fund families and the more than 2,800 + mutual funds, representing a wide-range of choices, and numerous and varied investment options. From total return to capital preservation, we can help you choose the mutual funds that best match your objectives and financial profile.
*Before investing in a mutual fund or variable annuity, consider its investment objectives, risks, charges and expenses carefully. The prospectus, which contains this and other information about the mutual fund or a variable annuity, can be obtained by contacting Legend Equities Corporation. Please read the prospectus carefully before you invest or send money.
We offer fixed and variable annuities[1] from the country’s most highly rated insurance companies. Clifford & Rano Associates can recommend which of the nearly 50 variable annuity companies we work with will best match your investment objectives.
[1] ^ Before investing in a mutual fund or variable annuity, consider its investment objectives, risks, charges and expenses carefully. The prospectus, which contains this and other information about the mutual fund or a variable annuity, can be obtained by contacting Legend Equities Corporation. Please read the prospectus carefully before you invest or send money.
Financial planning is more than just investments. Insurance is a crucial component to safeguarding your assets and loved ones. Clifford & Rano Associates offers term, variable and universal life policies, as well as long-term care insurance. Our Advisors can work with you to assess your insurance needs as part of your financial plan.
Individual Securities [Top]
With our broker-dealer, Legend Equities, you can trade stocks, government bonds and corporate bonds sold on major exchanges or in over-the-counter markets. The ProCash Plus account, offered through Pershing, a division of Donaldson, Lufkin & Jenrette Securities Corporation, allows investors to consolidate check writing, debit card services and investments into one account. Pershing Inc. accounts are available through a sub-brokerage arrangement and are used to facilitate any individual stock or bond trades for Legend Equities clients.
Professional Investment Management Services [Top]
Today's investors are well aware of the potential rewards of equity investing. But most people lack the time and expertise needed to make sound day-to-day investment decisions.
Choosing the right investment for your goals can be difficult, as there are literally thousands of options available. The task of selection is compounded by the fact that investments are influenced by continually changing global market conditions.
Market volatility is a recurring phenomenon that can often be minimized with a well-diversified portfolio. However, monitoring market events and their effects on your investments can be a full-time occupation. It’s no wonder many investors turn to professional investment management services for assistance in creating and maintaining their investment portfolios.
Through Legend Advisory Corporation, our clients have access to a high quality asset allocation program known as Strategic Asset Management ® (SAM ®). This service was designed to make professional asset allocation techniques, investment selection and ongoing investment management available to individual investors. SAM features five actively managed mutual fund portfolios with objectives that range from conservative to aggressive. In line with each model’s objective, the portfolios seek to hold an optimal mix of mutual funds with the potential to maximize returns while minimizing risk.
Opening a SAM account is simple. The process begins with a personal consultation to establish a complete understanding of your financial objectives, expectations and risk tolerances. Based on a thorough analysis of your investor profile, we will help you choose the SAM portfolio that best suits your goals. Once your account is funded, you will receive quarterly statements detailing the performance of your investments. The statement will include a summary of portfolio activity as well as a breakdown of your investments by asset class. As you progress toward your investment goals, your Clifford & Rano Advisor is always available to discuss your portfolio or answer any questions you may have.
Dynamic Money Management
The SAM portfolios are monitored regularly and rebalanced when appropriate in order to capitalize on market opportunities and attempt to minimize the effects of market downturns. Legend Advisory Corporation’s investment advisory team employs cutting-edge artificial intelligence technology in the ongoing management of the SAM portfolios. This technology is used to:
- Monitor domestic and international markets;
- Track economic trends;
- Compile data on market activity and expectations from sources around the world;
- Analyze individual investments and asset classes;
- Analyze mutual fund families and performance;
- Evaluate risk/reward relationships; and
- Allocate assets to reflect market opportunities.
Built-in Diversification
Strategic partnerships with many prominent mutual fund companies provide SAM clients with access to the expertise of world-class money managers. The SAM accounts hold a variety of mutual funds that have been handpicked for inclusion by Legend Advisory Corporation’s advisory team.
The SAM portfolios offer three levels of diversification:
• By Asset Class — equities, fixed income and cash
• By Investment Type — i.e. large cap, small cap, value and growth
• By Fund Management Style — securities selection by individual mutual fund managers
Such diversification enables the SAM portfolios to be strategically positioned to minimize the effects of market volatility on your assets, based on your investment objectives. Diversification does not assure profits or protect against market losses.
Artificial Intelligence: Advancing Investment Management to a New Level
Determining the proper allocation mix for each SAM portfolio is accomplished through the use of Legend Advisory Corporation's Asset Allocation Neural Network (AANN). AANN is a sophisticated computer modeling system that employs artificial intelligence to accurately estimate the relative strength of individual asset classes representing the major domestic and international debt and equity sectors. AANN is driven by a neural network — a complex computerized "brain" that utilizes mathematical algorithms to simulate human learning behavior.
AANN retrieves, processes and stores vast amounts of market and economic data, both current and historical, from a myriad of sources. Through constant testing and revision, AANN can draw conclusions from the data to identify market trends and opportunities.
Legend Advisory Corporation's experienced team of investment management professionals then conducts a thorough analysis of the information derived from AANN and develops asset allocation recommendations that reflect the objectives and risk tolerances associated with each SAM portfolio.
Asset Allocation
Asset Classes
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Domestic Large Cap Equity — Stocks of issuers in large capitalization companies (market capitalization of 5 billion dollars or more) that have established a record of revenue growth and profitability and are located in the United States. |
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Domestic Mid Cap Equity — Stocks of issuers in mid-capitalization companies (market capitalization between 1.5 and 5 billion dollars) and are generally believed to be positioned for further growth in revenues, earnings and assets, and are located in the United States. |
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Domestic Small Cap Equity — Stocks of issuers in small capitalization companies (market capitalization of < 1.5 billion) that are generally believed to be positioned for growth revenues, earnings and assets and are located in the United States. |
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International Equity — Stocks in companies of foreign nations. |
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Emerging Markets Equity — Stocks of issuers in developing market countries. |
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International Debt — Bonds of companies and governments in any nation with the exception of the United States.
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US Corporate Debt — Bonds issued by companies located in the United States.
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US Government Debt — Bonds issued by the US Government.
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Money Market/Ultra Short-term Debt — Securities that will mature in less than 270 days. |
Advisory services are offered through Legend Advisory Corporation, a registered investment advisor.
Diversification does not assure profits or protect against market losses.
The principal value of an investment will fluctuate so that an investor's shares, when sold, may be worth more or less than their original cost.
Before investing in a mutual fund, consider its investment objectives, risks, charges and expenses carefully. The prospectus, which contains this and other information about the mutual fund, can be obtained by contacting Legend Equities Corporation. Please read the prospectus carefully before you invest or send money.
Investments in foreign securities involve risks relating to political and economic developments, foreign taxation, exchange rate fluctuations, differences in accounting standards, and the Euro conversion.
Portfolios
Professional Investment Management
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SAM Preservation |
SAM Balanced |
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SAM Total Return |
SAM Select Global Capital Appreciation |
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SAM Select Global Capital Growth |
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The above illustrations are designed to provide a general representation of each model's securities holdings. This is a hypothetical example only and is not indicative of the specific allocation the models will employ at any given time. |
- My Account Link
Here is the link to view accounts under Legend’s Trusted Site
https://www3.legendgroup.com/legendaspx/ccsc.aspx
Advisory services are offered through Legend Advisory Corporation, a registered investment advisor.
Diversification does not assure profits or protect against market losses.
The principal value of an investment will fluctuate so that an investor's shares, when sold, may be worth more or less than their original cost.
Before investing in a mutual fund, consider its investment objectives, risks, charges and expenses carefully. The prospectus, which contains this and other information about the mutual fund, can be obtained by contacting Legend Equities Corporation. Please read the prospectus carefully before you invest or send money.
Investments in foreign securities involve risks relating to political and economic developments, foreign taxation, exchange rate fluctuations, differences in accounting standards, and the Euro conversion .
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