RiverShares™ Conservative Income Builder / RSCIB

Investment Objective

Seeks to provide income and growth consistent with a conservative level of risk.

Implementation: Advantage

RiverShares Eligible ETFs

Benchmark

30% S&P 500 Index TR
70% Bloomberg US Aggregate Bond Index TR

Time Horizon

3-5 years

Effective April 30, 2022, RiverFront will no longer accept new accounts for this RiverSharesmodel portfolios. Furthermore, effective on or about December 31, 2022, RiverFront will cease to offer this portfolio.

Balanced Solution

Portfolio Overview

The RiverShares Conservative Income Builder composite is based on a 3-5 year time horizon and seeks to provide income and growth consistent with capital preservation through a portfolio of global equites and fixed income. Tactical portfolio strategies seek to provide additional protection from market volatility through short-term, momentum-based strategies. Risk management processes are likely to be employed more frequently than other RiverFront portfolios with longer time horizons. This strategy is wholly implemented through shifting allocations to a suite of actively managed ETFs that are sub-advised by RiverFront. As the RiverShares holdings are limited to this suite of ETFs, these portfolios have a condensed structure and generally hold between five and nine positions at any given time.

All investments in securities, including this portfolio, include a risk of loss of principal (invested amount) and any profits that have not been realized. Performance of any investment is not guaranteed. Markets fluctuate substantially over time, and have experienced increased volatility in recent years due to global and domestic economic events. Fixed income securities also carry inflation risk, liquidity risk, call risk and credit and default risks for both issuers and counterparties. In a rising interest rate environment, the value of fixed-income securities generally declines. Diversification does not guarantee a profit or protect against a loss. Investments in international and emerging markets securities include exposure to risks such as currency fluctuations, foreign taxes and regulations, and the potential for illiquid markets and political instability. Please see the end of this publication for more disclosures.

INVESTOR OUTCOME

Sustain ~ More Conservative

Goal: Prepare
Outcome: Growth/Income

Investors who want some growth of capital and are especially anxious not to see significant swings in their portfolio value should consider CIB during the sustain phase. With a 30/70 benchmark between stocks and bonds this portfolio is designed with a ‘safety first’ mindset.

Distribute ~ More Conservative

Goal: Spend | Outcome: Income

With a 30/70 benchmark between stocks and bonds this portfolio is managed with a ‘safety first’ mindset. RiverShares Conservative Income Builder is designed for investors who have conservative assumptions built into their retirement plans and so do not need to reach for yield or returns.