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Our mission is to be bold, daring, and relentless in our pursuit of progress. With every move we make, we keep you, the financial professional, in mind. Just as you put your clients first, we put you first.

866.907.4275 | www.v ir tuecm.com

V i r t u e C a p i t a l M a n a g e m e n t | S t a r t Y o u r R e v o l u t i o n .

NASHVILLETENNESSEE


We live and work in the greatest city in America.


NASHVILLETENNESSEE

All Registered Investment Advisors offer investment strategies but few offer effective marketing, unique case design, and leverage

technology to truly help their investment advisor representatives (IARs) grow their practice like Virtue Capital Management.

This brochure will highlight the reasons why advisors are making the transition to VCM.


M A R K E T I N G



We have exclusive access to 3 unique Stop Loss portfolios (Conservative, Moderate, and Aggressive)

that can help in guiding us out of the way when the market is showing deterioration by employing

our proprietary stop loss strategy. When the market is recovering we utilize our mechanical re-entry

methodology. We have a comprehensive marketing platform to help you prospect. You can watch a

2 minute whiteboard animation video explaining the stop loss models at www.stoplossportfolios.com.

We use an equal weight ETF (RSP) for the equity portion of the portfolios giving us exposure to the U.S.

Equity markets. Recently there was a great article in Consumer Reports Money Advisor in June of 2014

illustrating how the equal weight S&P has outperformed the S&P 500 market weight by 50% since the

first full year it was available (1990).

Comprehensive Stop Loss Marketing System:• Whiteboard Animation Explainer Video • Seminar Power Point Presentation • 4 Direct Mail Pieces and 60 Second Radio Advertisement • Newspaper Ads• Email Templates• Pull Up Banners• 12 Page Consumer Approved Stop Loss Whitepaper• 4 Page Consumer Approved abbreviated Stop Loss Whitepaper• 8 Page Advisor Whitepaper explaining Stop Loss Models

A few points related to the Stop Loss Strategy:• The Stop Loss Money Manager has over $5 billion of assets under advisement.

• Many investors will quickly understand the concept of the strategy.

Stop Loss Portfolios

Remember the bear market of ’07 - ’09, when some investors lost between 20 to 40% of their account values? During a market

correction, many investors don’t sell their equities soon enough and often wait too long to reinvest into equities as the market recovers.

VCM’s StopLoss Portfolios may be the way to help avoid this from happening to your clients again.



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More than 61 million people participate in employer-sponsored retirement programs like 401(k), 403(b),

457 and Thrift Savings plans. But an overwhelming majority of investors simply don’t understand how

to select and manage investments within their accounts. This easy-to-use online service gives individual

investors simple, clear-cut recommendations on how to allocate and manage their retirement plan

investments. There is virtually no competition in this space, and it is an area that is grossly underserved.

We see a huge opportunity for advisors to gain market share with both business owners and individual

investors alike. Learn more by watching the 2 minute animated video at www.401kplanpro.com

How the Plan Pro Works:The 401kPlanPro is available for company sponsored retirement plans: 401(k), 403(b), 457 & more.

• Gather Information - Investor fills out a Risk Tolerance Questionnaire.

• Initial Recommendation - Client receives an initial investment recommendation co-branded to the

advisor that is based on an evaluation of their plan’s investment choices, risk tolerance, and several

other factors.

• Ongoing Recommendations - Client receives reminders each quarter with any recommended

adjustments to their plan’s investments. All communication is co-branded to the advisor.

• Access - Client accesses past and current recommendations online.

• Stock Market “Buy/Sell” Recommendations - Buy/Sell Line is used to make the strategic decision

whether or not to be in the stock market, telling us when and how much to invest in equities.

• Designed to be a logical and mathematical process driven by market ratios.

• Attempts to avoid major market downturns.

• May move to cash and/or lower risk investments during market declines.

• Buy/Sell Line strategy has been used by investors since January 1997.

The 401kPlanPro System

One great feature of the 401kPlan Pro is access to the Buy/Sell Line. When the market drops below the Buy/Sell Line, your client will receive

notification with advice on how to restructure their portfolio in an attempt to protect their 401(k), 403b, 457 or TSP plan assets.


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866.907.4275 | www.v ir tuecm.com 866.907.4275 | www.v ir tuecm.com

Full seminar system includes branded invitations, PowerPoint presentations, and step-by-step guides on what to do before, during, and after the seminar.

• All the Rules Have Changed - This seminar (completely updated in 2015) highlights the financial changes the country has experienced during the last 20 years.

• IRA Income Planning & Tax Reduction - This seminar remains our #1 seminar, as it is simple and effective. The IRA Seminar highlights five important topics that include creating an income plan for life, taking control of your future retirement account tax liability, leveraging the tax code, properly titling your accounts, and protecting assets.

• College Planning - This seminar highlights the cost and strategies surrounding college planning including late state college planning.

• Social Security Optimization - The Social Security Seminar highlights eight important topics related to your Social Security benefits.

• Stop Loss – The seminar highlights our three unique Stop Loss model portfolios (Conservative, Moderate, and Aggressive). Certain factors will trigger a flight to safety, signaling the selling of all equities and the movement into the bond strategy. This seminar also explains the formula around our two buy back triggers to move back into equities.

• Successful Retirement Strategies - This seminar remains one of the most informative and entertaining seminars. It’s a comprehensive review of topics facing retirees today: Taxes, investments, long term care, legal issues, and procrastination.

• Financial Decisions After a Loss of a Loved One - This seminar highlights organizing important documents, planning tips, tax considerations, inheriting both qualified and non-qualified assets, settling an estate, important steps to take in preparation to the loss of a loved one, and the necessary action steps following the loss of a loved one.

• VCM 5 Tactical Investment Strategies – This seminar highlights how unique independent IARs are compared to their big name competition. During the presentation attendees will learn how active and passive investment philosophy differ as well as receive an overview of 5 of our most popular separately managed strategies.

• 401K Plan Pro - This 60 minute seminar educates attendees on how this easy-to-use online service gives individual investors simple, clear-cut recommendations on how to allocate and manage their retirement plan investments.

Seminar Marketing

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Digital Marketing is the use of digital channels to promote or market products and services to consumers and businesses. Have you ever noticed certain products or services you’ve previously searched for will later show up as an ad on other websites you visit? If so, then you have witnessed the power of digital marketing. Learn more and watch a 2 minute animated video at www.virtuedigitalmarketing.com

Digital marketing is becoming increasingly popular, as it allows companies just like yours to accurately target and track Return on Investment. With the ability to monitor components such as which ads are being viewed, how often they are viewed, and the duration of each view, you’re able to pinpoint your sales conversion, track results and make informed marketing decisions.

Virtue Digital Marketing

Branding goes way beyond just a logo or graphic element. When you think about your brand, you really want to think about your entire customer experience. Everything from your logo, your website, your social media interaction, the way you answer the phone, to the way your customers experience your staff solidifies your brand. In short, your brand is the way your customer perceives you. It is critical to be aware of your brand experience and to have a plan to create the culture that you want your customers to experience. A good brand doesn’t just happen. It is a well thought out and strategic plan.

Our in-house, award-winning creative department at Virtue is second to none. Everything from banners and websites to complete branding campaigns and commercial video, the creative team at Virtue has what it takes to make your practice stand out above the rest.

Here are some of our branding offerings:• Create or modernize company name/logo/tagline • Company brochure with bio and competitive advantage • Stationery- (Includes logo, business card, letterhead, envelope, and pocket folder)• Company website and social media presence • Access to professional video / photography studio • Professional copy writer• Custom deliverables

Custom Branding


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T E C H N O L O G Y


V i r t u e C a p i t a l M a n a g e m e n t | S t a r t Y o u r R e v o l u t i o n . V i r t u e C a p i t a l M a n a g e m e n t | S t a r t Y o u r R e v o l u t i o n .

T E C H N O L O G Y


Blending the universe of investment options using Case Design Pro: A software and sales process

developed to help advisors and prospective clients identify how much of their assets should be

invested in safe money alternatives and how much should be invested in the market. You are able

to receive unbiased case design advice working with VCM and using this software suite.

CaseDesignPro features:• “Road of Hope vs. Certainty Client Presentation” — Step by step presentation including third

party documents during client meetings.

• Allow advisors to create a powerful but simple income plan in deliverable format that prospects

can understand.

• Overview deliverable that shows total estate value, areas where the prospect has done well,

areas of recommended improvement, as well as recommended action to take.

To learn more visit www.casedesignpro.com.

Case Design Pro



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Our top priority is to provide unsurpassed customer service to our IARs.

To help deliver this service, we have developed the VCM Support Portal.

In addition to delivering unsurpassed customer service, our support portal

will help advisors streamline their office workflow.

The VCM Support Portal is a complete resource for advisors and their staff.

It was created based on feedback we received from advisors with competing

RIAs over the last several years. Some advisors have experienced trade errors

or untimely trading and there was a lack of accountability. Some of the common

problems advisors are faced with can be solved by working with VCM.

We offer solutions to some common problems advisors are faced with:• Transparency/Accountability

• Knowledge Base

• Resources

• Paperless Paperwork Submission

• Transparency & Accountability:Submitting new business and servicing existing clients can bring a lack of

transparency and accountability (both internal and external). Many advisors

waste countless hours of their valuable time submitting business through several

avenues, creating inefficiencies not only in the submission process but also the

follow-up process. Additionally, there seems to be a lack of accountability when

a mistake is made either by your staff or the company you are working with.

Ticketing and Tracking Solution – The VCM Support Portal provides an online

ticketing and tracking solution from the business level down. This gives advisors

and their staff the ability to submit business online in one central location and

also allows tracking of the submission until the task is completed, creating a

more transparent and efficient workflow.

Cloud Based Service Portal

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• VCM Knowledge Base:No matter what financial services provider you work with,

there is a learning curve for you and your staff. You need

a resource you can access at any time. Additionally, it

should be something that is easy to understand and use.

Knowledge Base Search Function - Not sure what to

look for? Use our search function. This will help you and

your staff locate the information you need within the

knowledge base.

Support Portal – FormsIn addition to our Knowledge Base, we have also added a

comprehensive forms library containing all of our partners’

required forms. Included in this section:

• VCM Forms

• TD Ameritrade Institutional Forms

• Illustration Request

• Compliance Documents

• Recorded Webinars

Support Portal – Portfolio InformationDetails and performance information for each of the

model portfolios VCM has available can be accessed on

the service portal.

T E C H N O L O G Y


Typically, when you submit a request it is difficult to track unless you or your staff constantly

follow-up with the company it was submitted to, initially. This can take up a significant amount

of time requiring a few calls and emails. Through the VCM Support Portal you can track the

real-time progress of all of your requests. Additionally, this will create more efficiency within

the office as you will know what your staff is working on with a click of a button.Tech

Tip

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OrionWhen your clients log into the Orion client web portal, it will be customized and branded to your firm. Gain the ability to show your clients all of their accounts, all in one place, presented in a minimalistic design that is easy to navigate. Performance, account values, and more are shown in large, beautiful graphics to put the information you want your clients to see front and center. Custom reporting abilities mean you can create a report for your accountant client or another report, rich with graphs and charts, for your client who moonlights as an artist. Shows consolidated reports including TD Ameritrade accounts as well as account values from annuities, cash value life insurance, and bank accounts.

Salesforce CRMVCM has reached a deal with TD Ameritrade/Salesforce to allow our advisors to purchase this powerful CRM system at a discounted price. The TD Ameritrade “Veo” platform’s Salesforce solution can help you improve client service and gain efficiency in your practice. Powerful integrations, custom workflows, and an advisor-friendly interface can help you reduce sales cycles and better manage your business.

Laser AppLaser App Anywhere is the mobile forms filling solution designed for the financial advisor. The system integrates seamlessly with web-based CRMs & account opening tools to prefill your investment, insurance, advisory, and broker-dealer forms.

DocuSignDocuSign’s eSignature solution allows advisors’ clients the ability to electronically sign new account paperwork from their computers and mobile devices. Integrating these technologies together with Veo and

TD Ameritrade’s Institutional advisor trading platform replaces the current manual process of filling out and mailing documents back and forth for completion and signatures.

Hidden LeversHiddenLevers is the premier portfolio stress testing platform for financial advisors everywhere. Advisors use the correlations engine and easy user interface to help clients understand risk in portfolios, showcase hedging strategies, and compare portfolios in context of several macro-economic outcomes. The stress testing toolkit also includes macro themes for those interested in using scenarios and economic trends to effect tactical asset allocation. Advisors are able to use HiddenLevers for portfolio management needs like risk monitoring and stress testing, as well as fiduciary needs like client-friendly explanation and presentation of risk. HiddenLevers helps advisors manage client expectations with portfolio stress testing.

RiskalyzeDespite all of our advances in technology, the world still invests the vast majority of its financial assets using a combination of gut instincts, hunches, emotionally-driven decisions and “what we learned in college.” As a result, when markets pull back, investors typically pull the plug—locking in horrible losses, sitting out the recovery and waiting until the market “feels safe” again to reinvest at the top, and repeat the cycle. Eliminate the stereotypes that have made risk tolerance useless. Use leading scientific theory to objectively pinpoint an investor’s risk, Riskalyze is transforming the advisory industry by empowering investment advisors to capture a quantitative measurement of client risk tolerance, and use that data to win new clients, capture and meet expectations and quantify suitability.

Accompanying Third Party Software


T E C H N O L O G Y

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A S S E T M A N A G E M E N T

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V i r t u e C a p i t a l M a n a g e m e n t | S t a r t Y o u r R e v o l u t i o n .V i r t u e C a p i t a l M a n a g e m e n t | S t a r t Y o u r R e v o l u t i o n .

We provide a robust money management platform comprised of well-diversified, risk-adjusted portfolios. We offer separately managed accounts powered by money managers (sub-advisors) who pursue a complementary risk-managed philosophy. This broad selection allows for effective long-term strategies customized to each investor’s specific risk/reward profile. One of our money managers has a 22 year track record and has never had a down year “Net of Fees” to the client.

Here are a few of the managers VCM has a strategic relationship with:• Alpha Investment Management • CMG• Horizon Investment Services • Howard Capital Management• Morningstar • Newfound• Optimus Advisory Group • Redwood Investment Management• W.E. Donoghue • Zega

Comprehensive Investment Options

Frequently Asked Questions• Compensation - IARs are paid monthly on all billable assets.

• Affiliation Fees - Annual fees range from $1,500 per year to $0 depending on AUM.

• Custodian - TD Ameritrade is our custodian of choice.

• Transition Support – We offer full transition assistance, including prepopulating all

VCM and TD Ameritrade documents required.

• Transition Bonus - Transitioning can be time consuming and expensive, with that in

mind VCM has created a potential transition bonus program.

• 401(k) Provider - VCM has a relationship with Securian.

• REITs - Cole Capital has multiple REIT offerings available on the VCM platform.


A S S E T M A N A G E M E N T S O L U T I O N SV i r t u e C a p i t a l M a n a g e m e n t | S t a r t Y o u r R e v o l u t i o n .


V i r t u e C a p i t a l M a n a g e m e n t | S t a r t Y o u r R e v o l u t i o n . F O R F I N A N C I A L R E P R E S E N TAT I V E O R P R O F E S S I O N A L U S E O N LY .

This brochure is for informational purposes only and is not a solicitation or recommendation of any investment strategy.

Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance

that any investment strategy will achieve its objectives and investments are not suitable for all persons. For a complete

description of investment risks, fees and services review the Virtue Capital Management firm brochure (ADV Part 2)

which is available by contacting Virtue Capital Management.

Investment Advisory Services are offered through Virtue Capital Management, LLC, a Registered Investment Advisor.

We believe that these initiatives will allow you to succeed at levels you may never have believed possible. Virtue looks forward to adding

more talented advisors like you to our fast-growing team.

Virtue Capital Management | 22 Century Blvd., Suite 455 | Nashvi l le, TN 37214www.virtuecapitalmanagement.com | 866.907.4275