Rogers Wealth Group Inc

Item 5
Methods of Analysis, Investment Strategies
And Risk of Loss

Analysis

The investment strategies of RWG consist of no-load mutual
funds and exchange traded funds (ETF’s) which are analyzed
with regard to the following characteristics:

•   Our analysis of internal fund expenses is intended to
    identify funds that have no loads, no 12b-1 fees, and
    low internal expense ratios. It also seeks to minimize
    implicit costs due to high asset turnover and poor
    securities lending practices.

•   With regard to overall exposures (asset allocation), we
    analyze the total number of individual fund holdings,
    how those holdings are distributed among asset classes,
    and how their overall size and book-to-market values
    affect the portfolio as a whole. We also look at the
    concentration of holdings based on the percentage of a
    fund that is allocated to its ten largest positions.

•   Through our analysis of fund management styles and
    consistencies, we consider the current fund manager’s
    tenure, what his/her specific management style is, and
    how consistently that style has been maintained over
    time.

•   Risk and performance measures are also analyzed in
    order to ensure that fund volatility and returns are in
    line with those of the specific asset classes represented.

Investment Strategies

With respect to individual investment strategies, we believe
that markets should be treated as if they behave efficiently and
that securities should not be judged on their own merits, but
rather on their contribution to a complete investment portfolio.
With this in mind, we target equity portfolios that offer the

                                       RWG • Brochure – Form ADV, Part 2A            Page 11

highest expected return per unit of risk for our investment
clients. The result is that all equity portfolios:

•   are globally diversified among and within asset classes;

•   spread risk across thousands of individual securities;

•   are tilted significantly toward small capitalization and
    high book-to-market securities.

With regard to fixed income, we target high credit quality
securities with low effective durations. The only exception to
this occurs with our inflation-protected bond portfolio, which
has a longer duration due to the general nature of issues which
carry the inflation-protected feature.

Risk of Loss

While complete loss is always a possibility in terms of
investing in individual stock or bond positions, our investment
strategies are designed to reduce portfolio risk through
extensive global diversification and through selective targeting
of fixed income securities.

Equity positions are exposed to market risk. Clients invested in
such positions should be prepared to bear the risk associated
with a broadly diversified global equity portfolio. Due to our
specific risk targets, such as small capitalization and high
book-to-market securities, portfolios will carry slightly higher
risk than the market portfolio as a whole.

Bond positions are exposed to credit and interest rate risk, both
of which are limited due to our focus on high credit quality and
low effective durations. A 100% fixed income investor should
be prepared to bear the credit and interest rate risk most
commonly associated with 3-5 year AA rated securities.

All investments are subject to loss and past performance is no
guarantee of future results.

                                      RWG • Brochure – Form ADV, Part 2A   Page 12