Strategic Financial Solutions - Commerce Bancshares

Strategic Financial Solutions

The Advantage of Personal Professional Money Management

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Strategic Financial Solutions

Having financial goals is one thing. Achieving them is another, especially in today's complex, ever-changing financial markets.

Are you properly diversified? Which funds or securities should you invest in? How much risk should you take? What is the right asset allocation strategy based on your personal risk tolerance and goals?

Your answers to a few key questions will help determine which managed account best suits your needs.

? Are you properly diversified and comfortable with the level of risk associated with your investments?

? Do you have trouble deciding what to buy and when to sell?

? Are you unsure how to allocate your investments?

? Do you have the time and resources to manage your money effectively?

? Do you have a difficult time keeping track of all your investments at different institutions?

? Have you been disappointed by the performance or service you've received?

? Do you want to lower your investment risk while attempting to improve your returns?

? Are you tired of paying transaction fees every time you make an investment decision?

Strategic Solutions That Fit

Money management choices

Commerce has partnered with FundQuest, a leading investment management firm, to offer four distinct options for personal professional money management based on your needs and preferences: the Fund Manager Account, the Portfolio Manager Account, the Investment Manager Account and the Asset Manager Account.

You have questions. You need a financial advisor who will listen. Above all, you demand solutions that will help you reach your financial goals. Whether you're a highly involved investor, someone who would rather never think about your investments, or somewhere in between, Commerce Brokerage Services has investment management options to meet your needs.

Each offers a personalized asset allocation strategy, professional management, and comprehensive reporting. These strategic solutions also have unique differences designed to complement your personal investment objectives, styles, and risk tolerance.

Your Commerce Brokerage Financial Consultant can help you determine which strategic financial solution is best for you.

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A Complete Set of Advantages

Professionally managed accounts simplify the often overwhelming process of selecting and directing a diversified securities portfolio. You benefit from a number of important factors, including:

Personalized asset allocation strategy

Professional management and rebalancing

Our process of professional money management includes both quantitative and qualitative analysis in the selection of securities for your portfolio. Plus ongoing review of your securities is conducted so you maintain an optimal portfolio based on the strategic asset allocation and your unique investment situation.

Working closely with your Commerce Brokerage Financial Consultant, you establish your investment objectives, time horizon, liquidity needs, and risk tolerance. Based on this information, we develop a personal strategy for investment diversification through asset allocation. The core of any personal investment plan, asset allocation is a technique of spreading your investments across several different asset classes to offer protection against dramatic market fluctuations. This helps provide more consistent returns while minimizing your overall risk.

The percentage of your portfolio we initially assign to each asset class will change over time due to the effect of market performance on those investments. Since maintaining the appropriate asset allocation is one of the primary determinants of long-term performance, we will review, monitor, and rebalance your portfolio to maintain the asset allocation outlined in your Personal Investor Profile. This process helps to ensure you are continually taking the right amount of risk for your investment objectives and personal comfort level.

Consolidation of your investments

Your account can include both new investments and existing holdings you wish to retain. You're always in control because your investments remain in your name, you're not locked in for any period of time, and there are never any account withdrawal or penalty charges.*

No transaction fees or commissions

As an investor in our managed accounts, you never pay transaction fees or commissions for trades made for your portfolio. Instead, professional management is yours for an annual fee, based on the value of the assets in your portfolio. And there is no minimum investment holding period so you have maximum flexibility.

Suggested taxable and tax-deferred allocation strategy

Professional management ensures your assets are strategically invested in a portfolio composed of taxable and tax-deferred investments that seek to increase your potential for growth and meet your long-term and short-term goals.

Comprehensive reporting

Straightforward quarterly portfolio performance reports (as shown to the left) enable you to see your entire financial picture and dramatically simplify record keeping and tax reporting.

*Does not include National Financial Services, LLC standard IRA account fees. See IRA Customer Agreement for details.

Mutual funds and other investment products: Not FDIC-Insured ? May Lose Value ? No Bank Guarantee

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Strategic Financial Solutions

Professional Money Management to Reach Your Investment Goals

Gain control over your financial future

Each of these strategic financial solutions controls risk by spreading exposure across a range of asset classes -- long-term growth, growth and income, international, specific industry sectors, and bonds. The specific asset allocation over these different types of investments, of course, all depends on your personal investment goals, time horizon, and risk tolerance.

Fund Manager Account

Mutual funds and exchange-traded funds are an ideal solution for many investors. Analyzing and understanding thousands of available mutual funds and exchange-traded funds can be challenging, time-consuming, and overwhelming. With the Fund Manager Account, we'll help you select a portfolio of funds appropriate to meet your objectives. And we will automatically rebalance your portfolio to ensure the selected risk level. All funds are carefully reviewed and screened on an ongoing basis for a variety of performance characteristics to make certain they continue to be right for you. This gives you confidence that your portfolio conforms to the appropriate risk level, based on your personal preferences and financial objectives.

Portfolio Manager Account

The Portfolio Manager Account offers access to diversified portfolios with multiple products, using separately managed accounts, mutual funds, and exchange-traded funds within one account. A distinct overlay portfolio management process helps increase portfolio diversification and ensures that the selected investments blend together to create the right mix to meet the objective of your portfolio. The Portfolio Manager Account also offers you tax management opportunities, including the ability to tax harvest gains or losses on specific securities.

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Investment Manager Account

The Investment Manager Account provides top-level expertise using separately managed accounts. Your portfolio is managed according to a personalized asset allocation plan designed to meet your goals while managing risk. The Investment Manager Account offers you access to the top money managers in the country. In addition, it provides a high level of customization, including the ability to place restrictions on the manager from purchasing specific securities. Because your portfolio is customized, you receive greater flexibility over your income tax management. You can decide when to recognize capital gains and losses, which provides you with greater control over your tax bill.

Asset Manager Account

The Asset Manager Account provides individual investors with professional money management according to a personalized strategy that integrates most types of investments -- exchange-traded funds, stocks, bonds, and mutual funds -- in a single, consolidated portfolio. Simplify your investment plan and let the professional management process ensure consistency through periodic rebalancing. The Asset Manager Account provides a comprehensive investment account that helps you better achieve your financial objectives while effectively managing risk.

Professionally managed accounts control risk by spreading exposure across a range of asset classes.

Mutual funds and other investment products: Not FDIC-Insured ? May Lose Value ? No Bank Guarantee

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