Legal Disclosures

Content on this website is based on assumptions and market conditions known to Willow Grove Advisors at the time this content was prepared. Unless otherwise noted, all examples provided herein are hypothetical and for illustrative purposes only. Assumptions and market conditions are subject to change, which may affect Willow Grove’s final recommendation after an Investment Policy Statement has been developed with the client.

Unless the investment is a deposit of a bank and insured or guaranteed by the Federal Deposit Insurance Corporation or other government agency, investments used in portfolios created by Willow Grove are subject to losses, including the possible loss of principal value of amount invested. Data underlying the projections in this presentation have been obtained from sources believed to be reliable, but their accuracy and completeness are not guaranteed.

Willow Grove employs a variety of tools, including various data sources, indices, internal models, and Microsoft Excel, to calculate expected and/or historical returns. We use eVestment Analytics, a modeling and forecasting software program, to run the Monte Carlo simulations. The simulations do not forecast future events, nor do they consider prospective market conditions or their possible impact on returns.

The Sharpe Ratio is a measure of the risk-adjusted return of an investment. The benefit of using this measure is that it takes into consideration the risk incurred to generate the return. Our goal is to construct portfolios with high Sharpe Ratios, which are calculated as follows: (return—US Treasury rate)/standard deviation. The Treasury rate is currently assumed to be 2%.

Return information provided is hypothetical unless otherwise indicated. Additionally, return information represents the opinion of Willow Grove Advisors.  Information provided is not intended to provide specific advice, nor to be construed as a recommendation with regard to any particular investment or to provide any guarantee of results. The information contained herein employs proprietary projections of expected returns. Past performance is no guarantee of future results.

When constructing portfolios, Willow Grove may use certain components that are subject to quarterly, semi-annual, or annual redemption provisions. This may affect the liquidity of the portfolio and availability of funds.

Willow Grove is not responsible for any clerical, computational, or other errors that may occur as a result of using data from outside sources, such as pricing information obtained from standard quotation services.

All dividends and distributions are reinvested in the asset classes indicated for each portfolio, consistent with the weighting for that asset class. If included in this presentation, model results do not represent actual trading and may not reflect the impact that material economic and market factors might have if Willow Grove were actually managing your portfolio.

Performance figures reflected herein are gross of Willow Grove’s investment advisory fees and do not reflect costs and expenses associated with portfolio transactions or taxes. Portfolio returns will be reduced by Willow Grove’s investment advisory fees and other expenses incurred in the management of its investment advisory account. For example, if Willow Grove were to manage a $1 million portfolio from January 1, 2016, to December 31, 2016, a 8.00% annual return figure would be reduced by a management fee of approximately 1.10%. Willow Grove’s management fees differ according to size and nature of the specific investment portfolio. Please see Willow Grove’s Form ADV for full details.