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Compak Asset Management aspires to enhance the life experience
of our clients by providing customized solutions for their financial goals.
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Dear Investor,
Thank you for your interest in Compak Asset Management. We have
developed this brochure to provide you with some basic information
about Compak and how we can help you realize your financial objectives.
I founded the company on four basic tenets. First, success can only be
achieved by being fully committed to client goals. Second, there must be
an unrelenting focus on research. Third, investment solutions have to
be customized to individual needs. Lastly, only a proactive approach
can keep investments on track.
Our mission is to live up to these principles and in so doing, earn ourclients trust and confidence by helping them achieve their financial
goals. All activities of the firm and actions of our staff are guided by the
desire to add value to our clients.
In todays complex financial environment, even sophisticated investors
find it difficult to monitor changing trends and investment choices. The
last few years have challenged the fundamentals of investing. Unlike
previous decades, when investors could passively invest and reap benefits,
the future financial world requires greater skill, more involvement and
better selection of investment alternatives.At Compak Asset Management we are committed to helping you build a
strong financial future. Whether you are planning for retirement, investing
for your childs education or trying to manage your investments profitably,
you can benefit from the skills and commitment of all Compak advisors
and my experience of over 29 years.
I again thank you for contacting us and I look forward to welcoming you
as a client and the challenge of satisfying your financial needs.
Sincerely,
Moeez Ansari
President
Compak
Capabilities:
Your one-stop
integrated wealth
management solution.
Access to proactive
money management,
comprehensive financial
planning, no-load
mutual funds, bond
ladders, life insurance,
annuities, estate
planning, and
long-term care
insurance programs.
w w w . c o m p a k . c o m
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Compak Asset Management is an SEC-registered investment advisor
dedicated to providing comprehensive and customized wealth management
solutions to its clients. Compak Asset Managements mission statement
is to enhance the life experience of its clients by providing customized
solutions for their financial needs. Compaks philosophy is to deliver
world-class wealth management, with proactive asset management as the
underlying foundation. The Compak process begins with understanding
each clients needs and developing an appropriate risk profile. The profile
is used to create a basic asset allocation and to select an appropriate
investment strategy.
Once a client has a sound asset management strategy, the focus moves
to Personal Financial Planning. Compak employs a team of CertifiedFinancial Planners (CFP) that can provide a comprehensive plan. These
financial plans include retirement planning, tax analysis, net-worth
projections, personal risk review, and estate planning along with
Monte Carlo probability analysis.
While prudent asset management is vital and financial planning plays an
important role, these activities have to be integrated to align financial
resources with life goals. Compak has relationships with leading estate
planning attorneys and accountants for coordination and seamless
delivery of world-class wealth management solutions.
The Compak Integrated Wealth Management Process
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The Compak Research Process
Compaks portfolio management philosophy is to provide the client with
an attractive risk adjusted return and reduce the harsh impact of market
volatility. Our research results are obtained from a combination of
fundamental research, fund research, and technical analysis.
Fundamental Research involves a top-down analysis of global economic
and market conditions.
Mutual Fund Research is required to determine the best mutual funds
to invest in each asset class.
Technical Analysis is the method of evaluating securities by analyzing
statistics generated by market activity, past prices, and volume.
We construct a diverse portfolio with numerous asset classes, and then
invest client assets into the best-of-breed mutual funds in each asset
class. Compak uses multiple managers,
multiple styles and multiple asset
classes to construct our clients
portfolios. Our attempt is to not
only deliver maximum benefits
of sector diversification but also
deliver the benefit of superior
asset selection by some of the
worlds best and brightest mutual
fund managers.
The Compak MoneyManagement Implementation
The mutual funds selected are segmented into core, strategic or tactical
allocations. This allocation is determined by the holding period
appropriate for the particular asset class and mutual fund. A time-tiered
segmentation and constant monitoring of each asset holding is the heart
of a proactive investment strategy.
Core Asset Allocation is the basic building block that accounts
for 30% to 60% of the portfolio. These funds usually display strong
and consistent performance and are expected to be held for
the long term.
Strategic Asset Allocation is used to gain access to
areas of the market that the investment team believes
to offer an attractive risk-return proposition. These are
market segments that provide good valuations or strong
momentum. A portfolio could carry 20% to 40% in such
strategic funds.
Tactical Asset Allocation is a unique Compak strategy
to increase and decrease the beta (market risk) in a portfolio.
Tactical allocations could range from 5% to 20% in the form
of cash or indexed funds. If the managers feel that the market
outlook is negative, mutual funds that track the inverse returns
may be used to hedge (reduce risk) the portfolio.
Compak
Capabilities:
Proactive asset
management strateg y.
Through the use
of technical and
fundamental research,
and mutual fund
analysis, the firm
operates with
Buy Triggers and
Exit Strategies.
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The Compak Process
Identifying Your
Investment Profile
Initial Asset
Allocation Model
Risk profile determination through
interaction with Compak advisor.Factors to consider: time frame,personality, income, and asset base.
Meet with Moe Ansari to finalizeinvestment goals, review investmentalternatives and determine initialasset allocation model.
Some of Best Performing Mutual Funds
Bond Ladder
Fixed Annuities
Variable Annuities
Life Insurance
Long-Term Care
Futures and Options
Estate Planning
Asset Allocation and PeriodicRe-Balancing
Technical Analysis for Buy Triggersand Exit Strategies
Fundamental and Geo-PoliticalAnalytical Framework
Product & Asset
Selection
Proactive Portfolio
Management &
Performance
Review
Small Value36%
Large Growth
9% Large Value5%
Small Growth
11%
Bonds
15%
International24%
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The first step in developing a wealth management solution is to understand
ones financial profile. Your financial profile is a function of your propensity
for risk, income, assets, liabilities, investment horizon, and personality. With
Compak, you will experience a proactive and professional approach fordetermining your needs, recommending the right solutions, and managing your
investment portfolio:
The Initial Contact
Planning starts with listening. To develop a plan, it is necessary to develop a truerapport between a client and a trusted advisor. Compaks advisors are trainedexperts at listening carefully to understand you and your financial situation. AtCompak we would like to fully understand your aspirations and then work with
you to select the most appropriate asset mix and financial solutions.
Your Profile
In order to develop a portfolio that fits your needs and matches your profile wewill ask a number of questions relating to your investment horizon, liquidity needs,income needs, income trends, dependents, and previous investment experience.This dialogue should help us to understand if you are looking for CapitalPreservation, Income, Income & Growth, Growth or Aggressive Growth.
Integrated Wealth Management Components
There are many components to a wealth management solution. Our advisors
and staff can ascertain how your financial goals interact and provide you with anintegrated solution. Our product offering is designed to meet a diverse set of needsincluding investment management, planning for retirement, saving for education,transfer and protection of wealth, risk mitigation, and estate planning.
Asset Management: Preservation of capital and growth of financial assets isan essential and vital part of any successful wealth management plan. Assetmanagement is Compaks core competence and we bring all our expertise andexperience in the financial markets in managing your assets. The followinganalytical tools are used by Compak to strive for superior risk adjusted returns.
Asset Allocation is developed using your responses in the financial profilequestionnaire to develop a model that provides a balance between various assetclasses. This strategy is based on the basic principal that not all investments
behave the same way at the same time because different economies, industries,and companies are usually at different stages of global business cycles. Assetallocation provides a basic hedge against over-concentration of investments ina particular class or sector like bonds or technology stocks.
For the asset allocation process we use the efficient frontier model bases onModern Portfolio Theory introduced by Harry Markowitz with his paperPortfolio Selection which appeared in the 1952 Journal of Finance. Thirty-eight
years later, he shared a Nobel Prize with Merton Miller and William Sharpe forwhat has become a broad theory for portfolio selection.
C o m p a k s M o n e y M
Compak
Capabilities:
Clients interest is
the #1 Guiding
Principle. Fee based
on assets under
management.
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Fundamental Analysis involves a top-down analysis of global economic andmarket conditions. Apart from in-house research, Compak utilizes the world-classresearch resources of Russell for insight into markets. Fundamental analysisexamines factors such as GDP growth, inflation, capital f lows, interest rates,currency movements, etc., to determine the risks and return opportunitiesof different sectors of the global economy. Fundamental research is used todetermine the appropriate level of exposure to the markets and the sectordiversification, both from an industry and geographical perspective.
Fund Research is required to determine the best mutual funds to invest ineach asset class. Our fund selection model is based on a combination of Alphageneration capability, maximum drawdown analysis, standard deviation study,and the momentum of net returns. We attempt to employ the most consistentand talented managers to work for our clients advantage
Technical Analysis models are used to determine the trends in a particularmarket, asset class, and instrument. We believe that market trends can beintelligently used to determine entry and exit points for investments. During thepast quarter century, Moeez Ansari worked with numerous technical indicators.He has selected technical studies based on their appropriateness for a particularmarket or index. The technical tool-kit includes Elliott Wave Analysis, MACD, 20,50 & 200 Days Moving Averages, Momentum, RSI, Oscillators, etc.
Implementation & Management
Compak Asset Management uses Fidelity Institutional Brokerage Group for clearing andcustody of assets. The firm benefits from an online Fidelity trading platform andsophisticated modeling solutions that allow quick and timely re-balancing of portfolios.Compak Asset Management can provide you access to expert financial specialistsin each sphere to provide a world-class integrated wealth management solution.
Feedback & Reviews
One of the most important aspects of Compaks investment strategy is to ensure
that our clients are fully aware of all developments in their account and that
there is an open channel of communication. Our clients have 24/7 internet access
to their accounts. We also encourage our clients to undertake frequent reviews.
The typical client review meeting at Compak includes investment performance,
asset suitability analysis, and discussion of future strategy. These meetings also
allow us to note the changes in our clients profile, circumstances or objectives,
and the portfolios can be re-balanced accordingly.
a g e m e n t P r o c e s s
Compak
Capabilities:
Your account assets
are protected by
unlimited asset
protection insurance.
Assets up to $500,000
are insured by SIPC
and Fidelity provides
additional coverage
through a private
insurance company.
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Financial Planning
In addition to sound investment strategy, our clients are faced with other
financial challenges that require specific steps to be taken for achieve-
ment of personal goals. We would like our clients to have access to some
of the best advice, ideas, and products.
Compak is proud to offer its clients comprehensive personal financialplanning by our team of Certified Financial Planners (CFP). While most
firms charge a large sum of money for similar plans, we offer this service
at no additional cost. We believe that as our client, you deserve the best
solution we can provide, and we believe creating and implementing a
comprehensive plan will add tremendous value.
Financial planning is a usually an enlightening process. First, you meet
with your Compak Advisor and our CFP to identify and prioritize
your life goals. We will determine what is reasonable and realistic
for your circumstances. The Advisor and CFP will gather data, review
your current cash flow, insurance policies, and net worth, and then
assess your investments, retirement needs, taxes, and estate plan. The
Financial Plan addresses the following issues:
Net Worth Planning
Cash Flow Analysis
Income Tax Planning
Retirement Planning
Probability Study (Monte Carlo)
Estate Planning
With your goals and resources in mind, the financial planner can design
a personalized financial approach that can best help you reach your
goals. Once a comprehensive plan is developed your Compak Advisor
will work with you to
implement appropriate
strategies. This may
include building an
emergency fund, estab-
lishing a spending and
savings plan, reviewing
your investments for
ensuring suitability
of assets, purchasing
disability or long-term
care insurance, assisting
you with creating a trust
or developing a business
succession plan.
w w w . c o m p a k . c o m
Compak
Capabilities:
Advanced trading
systems for quick
and efficient
portfolio rebalancing
and execution of
Buy Triggers and
Exit Strategies.
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Strategic Relationships
Compak has formed strategic relationships with the most
reputable firms in each aspect of wealth management. Our
strategic relationships enable us to deliver world-class wealth
management services while retaining superior customer service.
While large brokerage houses possess similar resources in-house,
they do not offer access to their top talent to the average client.
In fact, important financial advice is often provided by sales
staff. Smaller investment advisors, while accessible to their
clients, lack resources and expertise in different aspects of
wealth management. Compak Asset Management provides the
organizational strengths of large firms while maintaining the
services and relationship management of small firms. We provide
a unique combination of expertise, skills, and values aligned
to help our clients achieve financial security.
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Moe Ansari Founder and the Principal Asset Manager
Compak Asset Management is owned and managed by its founder Moeez
Ansari, who has been involved in the financial markets for over 29 years.
Moe began his financial career in 1977 as a licensed broker. He is now a
nationally recognized expert in the financial industry with a nationally
syndicated radio broadcast Market Wrap.
During the past quarter century Moe has witnessed a full range of economic
and political climates and was able to successfully navigate the markets.
He has experienced the birth of financial futures market such as Treasury
Bond & S&P 500 futures. He was trading when interest rates exceeded 20%
and short-term rates fell below 1%. He was trading gold when it crossed
$800 per ounce and when it fell below $260 per ounce. From inflation to
deflation, from runaway bull markets to prolonged bear markets, he has
been through it all!
This experience has helped Moe in managing the investment portfolios
of thousands of Compak Asset Management clients. As the host ofMarket
Wrap, Moe has access to some of the worlds foremost experts in
economics and finance. His tenure in the financial markets has given
him the background and instincts required to understand the global
marketplace and its intricate inter-linkages. As a leading financial
expert, his advice is sought by individuals and corporations nationwide
and internationally. His professional experience includes options trading,
portfolio optimization, futures trading, mutual fund selection modeling,
and financial risk management. He is a nationally sought speaker and
has conducted numerous financial seminars since the 1980s.
Individuals and corporations from all over the United States and other
countries seek his expert advice about the financial markets. He has pub-
lished a number of articles and is widely quoted by numerous publications.
Feroz Ansari COO and Global Portfolio Strategist
Feroz has over 15 years experience at senior levels in treasury & portfolio
management, banking and economic analysis. He has graduate degrees
in International Finance and Business Administration. He is an alumni
of Oxford University and Thunderbird, The American Graduate School
of International Management. He has also completed numerous programs
at INSEAD (France), Citibank Training Center (Singapore) and Helsinki
School of Economics (Finland). Prior to joining Compak, Feroz held
appointments as Head of Corporate Finance, Treasurer, Global Treasury
Head and General Manager at numerous international financial institutions.
He has conducted financial seminars and his research papers on derivatives
and exchange rate mechanisms have been published in financial journals.
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Some Compak Capabilities:
1. A scientific and proactive approach to money management incorporatingasset allocation models, technical and fundamental analysis, and focuson individual asset selection.
2. Access to over 4500 load waived mutual funds.
3. Personalized and professional service.
4. A comprehensive financial plan at no additional cost.
5. No trading cost for buying or selling non transaction fee mutual funds.
6. 24-hour Internet access to accounts.
7. Access to world-class financial research, including research from Russell,one of the worlds leading manager research firms.
8. Access to competitive life insurance, annuities, estate planning andlong-term care insurance solutions.
9. Unlimited insurance protection against bankruptcy of the custodian (Fidelity).
This protection is provided by Fidelity Institutional through SIPC and bypurchasing additional private insurance to cover unlimited amount ofsecurities in a clients account.
10. Availability of a wide range of f ixed income solutions. Compak can createbond ladders based on clients risk profile and income needs.
11. Access to options program for selected high net worth clients.
12. Expertise to set-up and manage 401(k) plans, 403(b) plans, 529 plans,and UTMA & UGMA accounts.
13. Consolidated financial statements on your Compak managed accounts.
14. Moe Ansari as your primary asset manager. Moe is a 29-year veteran of
the financial markets. You have listened to him on the radio and whenyou establish an account with Compak Asset Management he will put hisexpertise to work for you!
Value of Standard Quarterly AssetAccount Assets Based Fee
$500,000 or less 0.50%
plus $500,001 to $1,000,000 0.375%
plus $1,000,001 to $2,500,000 0.25%
plus $2,500,001 to $5,000,000 0.1875%
plus $5,000,001 and above 0.15%
As an example, a Standard
Account with $3,000,000 under
management at the end of a
calendar quarter will be charged
an Account Management Fee of.50% of the first $500,000 under
management, .375% of the next
$500,000 under management,
.25 of the next $1,500,000 under
management and .1875% of the
final $500,000 under management.
Fee Schedule
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Peace of Mind
Compak has a clearing and custodial relationship with Fidelity Investments.
The valuable investment insight of Compak, along with industry-leading
financial products and services of Fidelity Investments Institutional
Brokerage Group, create a powerful combination to help you pursue
your financial goals.
You can count on Fidelity Investments half century of investment know-how and innovative thinking to provide investors like you with industry
leading products and service. With more than $1.4 trillion in assets and
53 million customer accounts*, Fidelity Investments has grown to be one
of the most widely recognized names in financial services.
Working with Fidelity Institutional Brokerage Group, Compak can couple
individual attention and Fidelitys vast resources and proven expertise
in the financial services industry. From unlimited asset protection
insurance, to one of the widest offerings of investment options, to leading
edge technology, Fidelity Investments gives you the reliable support
your financial plan deserves.
Asset Protection:Your account assets are covered by unlimited asset
protection insurance. All securities in accounts carried by National
Financial Services LLC (NFS), Fidelity Investment Company and the
clearing arm of IBG, have coverage of up to $500,000 (limited to $100,000
for claims in cash) from the Securities Investor Protection Corporation
(SIPC) and additional unlimited securities protection, in excess of SIPC
coverage, through private insurance coverage provided by Fidelity.
This coverage does not protect against a decline in the market value
of securities.
Consolidated Statements: To make your record keeping as seamless
as possible, each month you will receive a single, consolidated statementsummarizing all your stock, bond, and mutual fund positions. You will
also receive confirmations by mail of all trades executed by Compak and
a year-end summary statement, plus 1099 tax forms and 5498 forms.
A detailed explanation of all Compak Asset Management products and
services is contained in Part 2 of the Compaks SEC Registration Form
and the Investment Management Agreement between Compak and its
clients. You should read these documents carefully before you decide to
become a Compak client.
Compak
Capabilities:
Have Moe Ansari as
your primary asset
manager. Moe is a
29-year veteran
of the financial
markets. You have
listened to him
on the radio, and
when you establish
an account with
Compak Asset
Management, he
will put his expertise
to work for you!
8105 Irvine Center Dr ive, Suite 1100
Irvine, Cal ifornia 92618
800-388-9700 phone: 949-679-2500 fax: 949-679-2525www.compak.com