Recent global macro events have resulted in increased uncertainty, and with uncertainty comes higher levels of market volatility. We believe that our philosophy of sophisticated diversifi cation – investing broadly across asset classes, strategies, sectors, regions and countries – helps you successfully navigate market volatility. However, we also understand that regardless of our long-term view, you may be nervous over the near-term. The following Brinker Capital strategies may be appropriate for you to discuss with your fi nancial advisor.

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Brinker Capital, Inc., a Registered Investment Advisor WP_RISK_AVS_INV

DESTINATIONS CONSERVATIVE GOVERNMENT FOCUSEDFor the investor who wants to minimize risk but does not require absolute stability of principal. This portfolio seeks to achieve more attractive returns over time than U.S. government money markets. We created this portfolio to perform well relative to other asset allocations when markets are risk-averse. However, because some holdings are longer in duration, the portfolio can be more susceptible to interest rate changes. Likewise, this portfolio can have negative returns in a rising rate environment or when markets are leaving U.S. treasuries for riskier assets. It is not a principal-protected product, nor a cash or money market substitute.

PERSONALIZED DISTRIBUTION STRATEGYFor the investor who wants to generate income for current spending needs. This customized solution involves a withdrawal strategy that delivers a “paycheck” for a specifi c period. It also manages reserves to provide for long-term needs through thoughtful cash replenishment based on technical analysis.

DOLLAR VALUE AVERAGINGBrinker Capital created this strategy on the time-tested principle of “buy low, sell high.” When the market declines, more of the portfolio will be invested to maximize purchasing power. When the market rises in value, less of the portfolio will be invested in the market and more will remain in cash. We systematically increase market exposure from the start to a predetermined end date; however, investors can also discontinue this systematic plan and invest fully in the market any time they choose.

Solutionsfor RiskAverse Clients

At Brinker Capital, we think stability comes in large part from fl exibility. We’ll adjust your portfolio to your changing circumstances, so that it best serves your needs and allows you to sustain your lifestyle. And if your goals change further, we’ll make sure your portfolio refl ects that.

ABSOLUTE RETURN: CRYSTAL STRATEGY IWe believe that this Strategy can be suitablefor a wide variety of clients with a moderaterisk profi le and at least a three-year investment time horizon. Typical investors in Crystal include: those who want to add this Portfolio as a complement to their relative return strategy, risk-averse clients who have a moderate time horizon, yet still need to grow their assets, and investors nearing or at retirement who wouldlike to outpace infl ation with a focus on greater risk management. Our multi-sector strategies are highly transparent and offer daily liquidity, unlike limited partnership absolute return vehicles.

Services

Strategies

The Asset Allocation chart for the Defensive strategy shown refl ects Brinker Capital Inc’s target asset allocation policy as of October 5, 2012 for taxable investments. The Asset Allocation chart for the Conservative Government Focused strategy shown refl ect Brinker Capital Inc’s target asset allocation policy as of October 5, 2012 for taxable investments. Strategies for tax-exempt investments may vary slightly. Actual allocations will change over time. Allocations may not add to 100%, due to rounding of asset allocation percentages. Investing in any investment vehicle carries risk, including the possible loss of principal, and there can be no assurance that any investment strategy or service described will provide positive performance over a period of time. The asset classes, services, and/or investment strategies described in this publication may not be suitable for all investors.

DESTINATIONS DEFENSIVEFor the investor looking for low volatility with limited growth potential. Typically, it is a predominantly fi xed income portfolio with a small equity component and exposure to alternative asset classes. Qualifi ed and Taxable Strategies are available.

6% DOMESTIC EQUITY81% FIXED INCOME1% REAL ASSETS11% ABSOLUTE RETURN

51% NOMINAL U.S. TREASURIES6% INFLATION-PROTECTED U.S. TREASURIES20% AGENCY MORTGAGE- BACKED SECURITIES9% GOVERNMENT OR TREASURY MONEY MARKETS 14% NON-TREASURY INVESTMENTS1% CASH