MANAGED MUTUAL FUND PORTFOLIOS

The GGFS Managed Mutual Fund program (Select Trac Mutual Fund) is designed for investors who are looking for the diversification and daily liquidity mutual funds provide. GGFS constructs a portfolio of no-load and load-waived mutual funds that is designed to provide investors with professional ongoing investment management services. This program is ideally suited for smaller taxable accounts and IRA accounts. We charge one all-inclusive asset-based fee. You pay a quarterly management fee based on a percentage of your overall account value.

There are no additional trading commissions or fees, regardless of how often we place trades in your account. Please see important information below. For more information please see the Disclosure Brochure

MANAGED EXCHANGE TRADED FUND (ETF) PORTFOLIOS

The GGFS Managed ETF Program (Select Trac ETF) is designed for investors who are looking for tax efficient, low cost investment strategies that combine Active Portfolio Management with "passive" index investing for greater diversification. ETFs are precise tools that can be used to diversify an entire portfolio, particularly now that ETFs have made so many different benchmarks available for investment. For a minimum of $100,000, investors have access to multiple investment styles and vehicles in one account. Using sector specific ETF's, GGFS will construct a portfolio that is fine tuned based on our Investment Committees' strategic outlook for the stock and bond markets, as well as various sectors of the economy. We charge one all inclusive asset-based fee. You pay a quarterly management fee based on a percentage of your overall account value.

There are no additional trading commissions or fees, regardless of how often we place trades in your account. Please see important information below. For more information please see the Disclosure Brochure

For additional information about ETF tax efficiency and low cost Click Here.

SEPARATELY MANAGED ACCOUNTS

The GGFS Separately Managed Accounts Platform (Advisor Plus) is designed for investors with larger portfolios – typically over $250,000. Advisor Plus creates a fully customized portfolio, usually designed to provide current income. The income is generated through five different investment vehicles: Preferred Stocks, Closed End Funds, Real Estate Investment Trusts, Oil Royalty Trusts, as well as dividend paying stocks complimented by a covered call writing strategy.

Since Advisor Plus is a separately managed portfolio platform that is customized to each investor's specific needs, it may be an appropriate choice for investors who have set up an irrevocable trust that may have certain investment restrictions.

This platform may, depending on the investor's specific investment objectives and financial goals, have greater risks and volatility than our Managed Mutual Fund, Managed ETF or Managed Variable Annuity Platforms.  Additionally, this platform may also have higher trading costs to the investor. Please see important information below. For more information please see the Disclosure Brochure

FIXED & VARIABLE ANNUITY PORTFOLIO OPTIONS MANAGED ACCOUNTS

The GGFS Managed Variable Annuity program is designed for investors who look to couple active portfolio management with optional "living" benefits. Investors have a unique opportunity to do so by utilizing the GGFS Fund Trac Variable Program.

Using the mutual fund like sub-accounts within the annuity, GGFS builds a portfolio focused on long-term capital appreciation. In this program, we charge an annual investment management fee, billed quarterly, based on the overall account value.

Variable and fixed annuities are sold through Gary Goldberg & Company, Inc., a Registered Broker Dealer, Member FINRA, SIPC.  Management services of certain variable annuities are offered through Gary Goldberg Planning Services, Inc. a Registered Advisory Firm.

Please see important information below. For more information please see the Disclosure Brochure

IMPORTANT INFORMATION

In addition to the management fees that are charged by GGPS, the underlying Mutual Fund, Exchange Traded Fund or Variable Annuity sub-accounts have internal expenses, fees and costs. Please read the prospectus of the underlying funds or annuity for specific information relating to the fees, charges and costs as well as other important information relating to the investments. These investments are not FDIC insured, may lose their value and are not guaranteed.

Bank Deposit Sweep Program (BDSP) "Disclosure Document" Securities offered through Gary Goldberg & Company, Inc. a Broker Dealer, Member FINRA, SIPC. Management services offered through Gary Goldberg Planning Services, Inc, a Registered Advisory Firm.