Ethical Wrap Program

Announcing a smarter way to build and manage your wealth. Discover how the Ethical Wrap Program combines a sound financial strategy with a genuine ethical investment philosophy to give you a powerful wealth management solution.

This popular program provides you with the following benefits:

• A financial analysis to help you evaluate your present financial situation, identify future goals and plan ahead. To get started, complete this questionnaire.
• A sound asset allocation strategy to help you diversify your money across various asset classes. We believe asset allocation is the most important factor in your portfolio's long-term performance. Click here to learn more.
• Superior brokerage services including custody, clearing and execution to put your plan into action.
• A well-diversified portfolio of stocks that are professionally managed by money managers specialized in their asset categories.
• An ethical investment strategy that uses rigorous financial analysis to provide you with competitive returns.
• Regular rebalancing to keep your investments on track.
• Sound financial advice from experienced investment advisers committed to serving you

Learn more about how this disciplined, ethical investment program can help you. Call 888-862-9923 or email us today.

* This information is not intended as tax advice. For more complete guidance on your particular financial situation, please consult your tax advisor or speak to an Azzad investment advisor at 888-862-9923. Please make sure to read the Azzad mutual funds' prospectus or Ethical Wrap Program's brochure before you invest. Asset allocation cannot guarantee results and you may still lose money in a declining market.

The ultimate performance of your portfolio can depend on this important strategy. Asset allocation involves spreading your money over different asset categories, such as equities, cash, real estate, foreign securities and maybe even precious metals. How you allocate your money depends on your goals, risk tolerance, age, and other factors. The underlying principle behind asset allocation is that by diversifying across opposing asset classes, you potentially reduce risk and volatility in your portfolio. A well-diversified portfolio consists of asset classes that are not closely correlated to each other. For example, a portfolio that consists of only large, mid and small cap U.S. stocks is not well diversified. That's because, historically, all domestic stocks have tended to be closely correlated. To create a more diversified portfolio, you would need to include real estate, foreign stocks and other negatively correlated asset classes. Your wrap account is a brokerage account with Foliofn Investments. Foliofn's revolutionary technology is an ideal fit for our wrap program. You will enjoy online access to your account where you can view your transaction history, tax information, account statements and much more! Economic fluctuations, changes in your goals, or even growth/decline within asset classes may require you to rebalance your account's asset allocation. Rebalancing means shifting funds from one asset class to another to regain the ratios you determined were appropriate for your investment portfolio. With the Ethical Wrap Program, we automatically take care of this for you in a very cost effective way!

Your analysis may consider taxes, inflation and ongoing savings to determine if your long-term needs and goals will be met. Here are a few highlights you'll find in your plan:

• Wealth forecasting with Monte Carlo Efficient frontier graphs
• Optimal asset allocations for the best risk/return combination
• Cash flow report
• A recommended asset allocation plan