Paul Sebetic

Sebetic Advisors offers only one product, Dividend Growth Portfolios for Retirement Investors. Highlights include: A long term buy and hold strategy of high quality, dividend paying stocks Specifically designed for retirement investing – pays a monthly distribution in the first year aggregating to 4% of the opening investment balance and targets annual increases thereafter equal to inflation (can be re-invested if the client desires) A highly diversified portfolio – target 100 plus positions, diversified by sector, industry, country, company size and style Invest in companies that have: - Strong histories of profitability and growth with good prospects for the same going forward - Very healthy balance sheets – low levels of net debt or net cash - A valuation level consistent with strong future long-term returns Deep fundamental analysis performed on each investment as well as the calculation of estimated fair value and expected return over a 10-year holding period Equity investing is tax efficient – long term holding periods defer recognizing gains / paying taxes and long-term capital gains and dividend income are taxed at a lower rate Low fee of .5% per year, and for qualified investors, an even lower base fee of .1% per year coupled with an annual performance fee of 1/3 of the excess return over the S&P 500 Designed to protect against the most important risks facing retirement investors - Failure to fund distributions for living expenses - Failure to keep up with inflation - A permanent loss of capital