WHITE CREST CAPITAL PROTECTS CLIENT ASSETS

by using a solid asset allocation with a low management fee. This philosophy and investment approach will help safeguard client assets through the market's inevitable cycles.

MODEL PORTFOLIO
Client funds are invested in a separately managed portfolio adjusted for individual risk tolerance, time horizon and tax status. 60% of the portfolio invests in equity and fixed income funds, index funds and sector funds, both domestic and international. Up to 40% of the portfolio is allocated to individual stocks and bonds that are considered undervalued with the potential for future appreciation. The Model portfolio's goal is to outperform the S&P 500 Index with lower volatility net of fees.

MANAGEMENT FEE
White Crest Capital's total management fee is 0.75%. This low fee significantly increases the power of compounding and growth of principal. On a $500,000 portfolio, an investor would save on average $5,000 dollars a year and $50,000 dollars over ten years compared to a typical management fee of 1.75%.

Ben invests his savings

in the model portfolio along with his clients

Ben Gutstein

FOUNDER
Benjamin Gutstein is the Founder of White Crest Capital. He has over 25 years of experience in the financial markets. He previously worked at Oppenheimer Capital as well as family offices where he has managed portfolios for institutional and high net worth clients. He has managed both mutual funds and separately managed accounts in equity, fixed income and money market funds. Ben is originally from New York and moved to the greater Chicago area with his family in 2012. Additionally, Ben invests his savings in the model portfolio along with his clients.

CLIENT SERVICING

Ben is a seasoned investment professional who adheres to the highest standards of ethical conduct and practices. Throughout his career he has delivered exceptional client solutions through education and simplification of complex portfolio issues. Ben has a reputation for attention to detail and is always available for any questions or concerns.

info@whitecrestcap.com | 847.786.4682

White Crest Capital, LLC. (“White Crest”) is a state registered investment adviser located in Glencoe, Illinois. White Crest is registered in the states of Illinois and New York and in compliance with the current registration requirements of the states in which White Crest maintains clients. White Crest may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. White Crest’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of White Crest’s web site on the Internet should not be construed by any consumer and/or prospective client as White Crest’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by White Crest with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of White Crest’s current written disclosure statement discussing White Crest’s business operations, services, and fees is available from White Crest upon written request.

White Crest does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to White Crest’s web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.