Ultimate Equity


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Our “Risk Averse Actively Managed Portfolio Strategy” or RAAMPS® uses both a company’s fundamentals and technicals in our trading strategy. We do not believe in “Buying and Holding” (unless the company is high quality and pays a dividend) but rather actively managing each portfolio and buying and selling as the momentum in a particular company increases or decreases. We believe that cash is an asset class and we do not need to be invested in a particular company or the overall market during a correction.

The Ultimate Equity Blend portfolio is a blend of eleven smaller base portfolios each having 13 active stocks, due to overlap we end up with a universe of about 110 stocks. We balanced our eleven screens with popular fundamentals traits as well as some screens that others may have excluded; this gives us a unique diversification of popular and not so popular stocks.

The top ranked stocks from the smaller base portfolios are put into the “active” queue and become “open” as the RAAMPS® program indicates a “buy”. Each open position starts at close to 1% of the total portfolio investment. Stocks that are not “open” are periodically removed and replaced using the same screening process as before. During this refreshing process we extensively examine each company as well as the long and short positions in place. This allows us to replace the outgoing company with one that is stronger and will hopefully provide a better return. RAAMPS® provides “buy signals, “sell signals” and “reallocation sells”.


SkyOak Wealth Management (“SOWM”) is a registered investment adviser with the Securities and Exchange Commission.  We have provided this information regarding your account(s) based on sources we believe to be accurate.

This material (or any portion thereof) may not be copied or distributed without SOMWM’s prior written approval.  Statements are current as of the date of the material only.  The information provided in this presentation should not be considered a recommendation to purchase or sell a particular security. Any specific securities identified do not represent all of the securities purchased, sold or recommended for advisory clients, and may be only a small percentage of the entire portfolio and may not remain in the portfolio at the time you receive this report.  You should not assume that investment decisions we make in the future will be profitable or will equal the investment performance of the past.

The standard fee schedules for SOWM’s strategies are shown in the firm’s Form ADV Part 2. SOWM and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with SOWM of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.

The performance shown is for the stated time period only; due to market volatility, each account’s performance may be different.  Returns are shown net of management fees, trading costs, and other direct expenses, but before custody charges, withholding taxes, and other indirect expenses. The returns shown assume the reinvestment of dividends and other income.  Performance results for one year and less are not annualized.  The performance shown is for the stated time period only; due to market volatility, each account’s performance may be different.  Returns are shown net of management fees, but does not account for trading costs and other fees as may be charged by your investment advisor.  The returns shown assume the reinvestment of dividends and other income.  In the case of projected performance and cash flows, it is presented in response to client’s request.

Past results are not necessarily indicative of future performance and are no guarantee that losses will not occur in the future.  Future returns are not guaranteed and a loss of principal may occur.  The standard deviations, information ratios and allocation targets may be higher or lower at any time.  There is no guarantee that these measurements will be achieved.

Results are calculated by Morningstar.  Results based on simulated or hypothetical performance have certain inherent limitations. Unlike the results shown in an actual performance record, these results do not represent actual trading. Also, because these trades have not actually been executed, these results may have under-or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated or hypothetical trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profits or losses similar to these being shown.

Please note that this presentation does not comply with all of the disclosure requirements for an ERISA “section 404(c) plan,” as described in the Department of Labor regulations under section 404(c).  Plan sponsors intending to comply with those regulations will need to provide the plan participants with additional information.  The information provided in this presentation does not constitute individual investment advice for a participant or investor, is only informational in nature and should not be used by a participant or investor as a primary basis for making an investment decision.

The performance shown is compared to several indexes shown herein. Broad-based securities indices are unmanaged and are not subject to fees and expenses typically associated with managed accounts or investment funds. The number and types of securities found in the index can differ greatly from that of the accounts held in the strategy shown. Investments cannot be made directly in an index.