What is the High-Expense Holdings report?

This report quickly identifies opportunities to lower fees in an account or group of accounts.  It shows:

• The list of investments within the account or group of accounts
• The actual expense ratio of the investment
• The optimal expense ratio of the investment (defined below)
• The potential annual savings (defined below)

SAMPLE REPORT

Optimal Expense Ratio - this is calculated by ComposedPro.  The steps used to determine the optimal expense ratio are below:

1. Determine how the investment is distributed across the asset categories tracked by ComposedPro.
2. Determine an optimal expense ratio for each asset category by reviewing low-cost ETFs available within each asset category.
3. Multiply the allocation by asset category (#1) by the optimal expense ratio for each asset category (#2)
4. Sum the results from #3 to determine the optimal expense ratio.

Potential Annual Savings - this is calculated by ComposedPro.  The steps used to determine the potential annual savings are below:

1. Subtract the optimal expense ratio from the actual expense ratio
2. Multiply the result by the amount of the investment to determine the potential annual savings.

Disclosures:

Nothing contained within this report should be relied upon for making any investment decision. Any information provided is for information purposes only and does not constitute a recommendation.