Signal Ridge Capital Partners follows a disciplined financial planning
and investment management process, which is constructed around:

A Risk Assessment Process That:

Examines Risk Capacity:  A thorough understanding of a client’s life circumstances and human
capital is required in order to determine one’s risk capacity, which is how much risk an individual can
afford to assume.

Determines Risk Tolerance:  We employ a scientifically-validated measure of risk tolerance, which assesses
how much risk an individual client might be willing to take on.

Evaluates Risk Need:  We utilize advanced statistical processes to determine how much risk and return may
actually be necessary to achieve financial and investment goals.

A Portfolio Construction Process That:

Establishes a Foundation:  No one knows precisely what the future will bring. Because markets
and economies are uncertain, our portfolios are built around a solid foundation that is diversified
across various possible economic scenarios.

Provides Customized Diversification:  Around that foundation we employ strategies that meet
each client’s particular goals and needs.  We manage these dynamically to ensure diversification
in the portfolio as a whole and to offer timely and attractive exposures to asset classes that
match these specific objectives.

Captures Opportunities:  From time to time markets act irrationally. Fear or greed can cause
markets to price certain assets in extreme ways. We are constantly on the lookout for
opportunities to capitalize on such mispricings. When conditions permit, a portion of your
portfolio may be dedicated to capitalizing on such opportunities.

A Risk Management Process that:

Manages Asset Allocation:  Studies have shown that asset allocation decisions determine
upwards of 90% of portfolio returns.  As such, we spend a considerable amount of time and
energy focusing on building optimally diversified portfolios.

Assesses Macro Level Risk:  We are constantly incorporating views of how global economies
are behaving and interacting and will shift portfolios to reflect current conditions.

Reviews Security Level Decisions:  Aside from the inherent risk found in any asset due to
systematic factors, we pay close attention to the price paid for each asset to limit the drag
on returns due to overpaying. In general, we prefer passive strategies that provide effective
exposures to desired asset classes. However, at times we will utilize technical analysis or
risk-aware active managers to limit downside potential.