Our Investment Philosophy We believe in Tactical Asset Management where our platform of Private Wealth Managers can go * “Risk off” to cash, take advantage of the stock market if it goes up or down and can potentially earn money for our clients if interest rates increase or decrease.For retirees, pre-retirees and conservative investors, we do not believe that “Buy & Hold” and Asset Allocation Models are appropriate, considering investor drawdowns/losses could be 50% in the S&P 500 as we experienced during the Great Recession.*There is no guarantee that managers will be able to avoid future market losses by going risk off to cash. In addition, holding cash may carry the risk that a manager will not be invested during periods of positive market performance. Integrating investments with tactical low to moderate risk portfolios. At Vago Financial, we believe in providing our clients with low risk and low volatility portfolio management. Through our Retirement Designed Money Management System, we look after our clients by providing them with portfolios to help protect what they’ve worked so hard to build. We help retirees who strive to secure a better retirement through our fee-based asset management, always ensuring their individual needs remain our top concern. We have access to a platform of Private Wealth Managers. Low Risk/Low Volatility Disclosure: Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value. Helping to protect your long term investments so you don’t run out of money! At Horter Investment, our goal is simple: Help you reach your financial goals.