Tax Overlay Campaign

For more information, go to investpmc.com. Envestnet | PMC FOR ONE-ON-ONE USE WITH A CLIENT'S FINANCIAL ADVISOR ONLY. 2 Trusted With Over $14 Billion Of Client Assets* Today, Envestnet | PMC automates tax and values overlays for more than $14 billion in client assets at over 100 firms.* By offering these overlay services, we're able to help clients customize portfolios to fit their specific investment goals in an automated, efficient manner. How We Manage Your Capital Gains Managing your capital gains starts at the very beginning, when you are making the decision to invest in a Fund Strategist Portfolio. During the Proposal process, you'll enter your current portfolio's information, including your cost basis. Then, based on the Fund Strategist Portfolio you are considering, you'll be presented with information about possible tax consequences based on 3 Tax Sensitivity options. Instead of selling all of your current holdings at inception regardless of the tax consequences, these Tax Sensitivity options allow you to influence how your current holdings may initially trade towards the Fund Strategist Portfolio you select. By investing in a Fund Strategist Portfolio, you're hiring an investment manager to provide you with both an asset allocation for your portfolio and their selection of funds (mutual funds or ETFs) to build that portfolio. Additionally, as markets move through different economic environments, the Fund Strategist Portfolio manager may make changes to their portfolio. The changes made by the Fund Strategist Portfolio manager will require your portfolio to sell some holdings to buy others, which could lead to realizing taxable gains. By adding our Fund Strategist Tax Management service to either an existing or new portfolio, we can help you manage your tax consequences. You will select a desired level of Tax Sensitivity for your portfolio from three options: Very High, High, or Moderate. This selection will influence how significantly your portfolio may deviate from the Fund Strategist Portfolio manager's portfolio. As the manager makes changes, Envestnet will evaluate the tax cost of executing those changes, and may make different trades than the model. The optimization process balances the tax cost of adhering to the model, versus the risk incurred by deviating from the model year-round, with the goal of delivering better after-tax performance to you. Envestnet | PMC Automates Tax And Values Overlays For More Than $14B in Assets At Over 100 Firms* *Source: Envestnet | PMC. As of September 30, 2023. Over 15 years' experience in tax-efficient investing Patented risk optimization process Ability to manage portfolios to customized client/account-specific mandates Dedicated support team During the proposal process, you will select a desired Tax Sensitivity, which will influence initial trading in either an existing or new portfolio. The investment manager communicates portfolio changes to Envestnet. Envestnet inputs those changes, along with other client-specific portfolio information, such as your Tax Sensitivity, and evaluates them using the risk optimization engine. The risk engine analyzes the portfolio changes, possible tax implications of the changes, and provides trade recommendations that balance your tax cost with your portfolio's risk, measured by tracking error. Envestnet evaluates the risk engine's recommendations for appropriateness and executes the trades in your portfolio. 1 2 3 4 How It Works 5 █████████████████ Ì2000015IC"Î

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