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FAQ's Q: “How do I know when a fee based manager is right for me?”
A: If your portfolio has been managed under the traditional commissioned brokerage relationship, the transactional costs and the motivation behind the suggested trade had to be considered. Under the fee structure outlined by PERSICO Asset Management, you hire unbiased, independent advice that is motivated purely by the growth of your investments over the term commensurate with your risk tolerance and specific needs.

Q: “I am comfortable with the experience behind PERSICO Asset Management, but I am concerned about how and where my assets will actually be held. Who will actually have custody of my money?”
A: The assets are held solely in the legal name of each client or client entity by a qualified custodian firm. PERSICO Asset Management has a working relationship with Schwab Institutional, a division of Charles Schwab & Co., Inc. Client assets are deposited directly with the custodian. Other custodians may be considered for special situations.

Q:What kind of insurance protection can I expect from my relationship with PERSICO Asset Management?”
A: Knowing your investment assets are safe and secure is one of the most important issues in choosing an investment advisor or money manager. PERSICO Asset Management  has provided for peace of mind investing by leveraging the financial strength of Schwab Institutional as the primary custodian firm for its client’s assets. You can be confident your assets are well protected; the Securities Investor Protection Corporation (SIPC) provides up to $500,000 to protect the securities per customer, in each separate account capacity, with a limit of $100,000 for claims of cash balances. Additional account protection is provided through Underwriters at Lloyd’s of London. Under the policy, the additional protection of securities and cash is provided up to an aggregate of $600 million, limited to a combined return to any customer from a Trustee, SIPC, and London of $150 million, including cash of up to $900,000 by the London policy. Account protection does not cover fluctuations in the market value of your securities.  The specifics of coverage by custodians may change from time to time.

Q:By signing the Client Agreement & the other documents, am I locking into a contractual term?”
A: No. You will note that the Client Agreement makes provisions for termination of the relationship. However, you should understand that any meaningful investment strategy takes a three to five year time horizon to allow the disciplined approach of strategic management to produce significant results. PERSICO Asset Management observes this industry standard by which many institutional clients use in discussing realistic expectations.

Q: “Will I have the flexibility to manage my daily finances through services like a credit/debit card and bill paying, similar to services offered at brokerages and banks?”
A: Yes, you will have the opportunity to discuss the integration of these services when designing your account structure. In fact, Schwab Institutional offers most of these services free of charge.

Q: “What about the investments I currently have, can they be integrated into this relationship?”
A: Yes, contrary to the policies of most brokerage firms, Schwab Institutional allows most investment assets, including proprietary mutual funds from most brokerages, to be transferred into their custody. During the review process of your current assets, irregular investment instruments can be identified that may not be held in this program.

Q: I like being able to view my accounts online; will I have secure access through the Internet?”
A: Yes, PERSICO Asset Management maintains a web site that grants access your accounts through a “Clients Only” section which links directly and securely to the client account section of the custodians’ web site.

Special Notes: PERSICO Asset Management is a trading name for PERSICO Capital, LLC.

This presentation is for discussion purposes and may present information that becomes dated or obsolete.

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