INVESTMENT PHILOSOPHY     The primary goal of Pinnacle’s investment philosophy is to enhance long-term risk adjusted returns by attempting to keep our clients in the highest quality funds during all market conditions. The core components of this investment philosophy consist of: (1) investment environment analysis, (2) sector/style analysis, and (3) fund screening, selection, and monitoring.     Pinnacle’s Core Investment Components:             Investment Environment Analysis – Using a combination of fundamental and technical analysis, Pinnacle evaluates the current and future investment environment to determine the most appropriate asset allocation. Through this proprietary research, we determine the most risk tolerant approach for investing our clients’ assets.     Sector/Style Analysis – Pinnacle determines the strongest market sectors and styles, and further adjusts the portfolio allocation percentages. This diversification allows us to further manage market risk and take advantage of sector and style strength.     Fund Screening, Selection, and Monitoring – One of Pinnacle’s greatest strengths is our ability to continuously research fund companies and their fund managers to find the strongest group of acceptable investments for our clients. Utilizing our proprietary ‘Fund Filter System’, we select and invest in what we believe to be the highest quality funds in each of our portfolios.