Applied Concepts Financial Services

Investment Advisory Services offered through Horter Investment Management, LLC., a SEC Registered Investment Advisor.  Horter Investment Management, LLC does not provide legal or tax advice.  Investment Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Peter Vlahakis and Applied Concepts Financial Services.  Securities transactions for Horter Investment Management clients are placed through AXOS advisory services, Charles Schwab & Company and Nationwide Advisory Solutions.

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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.  Low Risk or Low Volatility strategies are generally defined as strategies that have a 10-year maximum drawdown of less than 10%.   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.

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