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What is the Foresters Advisory Services, LLC Premier Mutual Fund Advisory Program ("Premier Program")?

Overview

Infograpahic showing the three parts of a premier program team: investment committee, research & strategy, operations & support

The Premier Program is a fee-based, mutual fund wrap fee advisory program offered through Foresters Advisory Services, LLC ("FAS"), an SEC Registered Investment Adviser. The Premier Program offers a comprehensive suite of investment advisory services designed to be a component of your long-term financial plan throughout various phases of your life—from your early adulthood to your retirement years and every step in between.

Benefits of using the Premier Program

  • Personal one-on-one guidance
  • Suite of Portfolios recommended for your particular financial situation
  • Active and expert portfolio management and investment framework
  • Carefully vetted and continuously monitored mix of highly regarded investment management firms
  • Professional tracking of, and reporting on, your account

When you add up all the advantages the Premier Program delivers for one transparent, all-inclusive Client Fee, you can see that it can be an important and compelling component of your overall financial solution.

 

The Premier Program Mutual Fund Families Brochure

Important Footnotes and Disclosures

Investment advisory products and services are offered through Foresters Advisory Services, LLC ("FAS"), a registered investment adviser. Brokerage products and services, and life insurance and annuities are distributed through Foresters Financial Services, Inc. ("FFS"), a registered broker-dealer. FAS and FFS are affiliated companies. The Insurance products include those that are issued by Foresters Life Insurance and Annuity Company and The Independent Order of Foresters. Foresters Investment Management Company, Inc. is the investment adviser for the First Investors Funds. All are subsidiaries of Foresters Financial Holding Company, Inc., a wholly-owned subsidiary of The Independent Order of Foresters.

The Premier Mutual Fund Advisory Program ("Premier Program") is a fee-based investment advisory service provided by FAS. Premier Program accounts are charged an annual asset-based fee that is billed quarterly, in advance. For complete information, you should refer to the FAS Form ADV Brochure, the Brochure Supplement for your Adviser, and the relevant mutual fund prospectuses.

Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the mutual funds in any Premier Program Portfolio you may select. This and other information is contained in the mutual fund prospectuses, which you should read carefully before investing. You may obtain a free prospectus for any First Investors Fund by downloading it from our website, contacting your Adviser, or contacting Foresters Advisory Services, LLC. To obtain a free prospectus for any other mutual fund, please visit the mutual fund company's website or contact your Adviser.

Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Investment returns and the principal value of an investment will fluctuate, so that when the investment is sold or redeemed, it may be worth more or less than the original cost.

Foresters Financial™ and Foresters™ are the trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries, including Foresters Advisory Services, LLC, Foresters Financial Services, Inc., Foresters Life Insurance and Annuity Company, and Foresters Financial Holding Company, Inc.

Personalized guidance

businesspeople talking

Your goals, your Portfolio

Your Adviser will work with you to assess your specific investment objectives and financial situation. Based upon those conversations and formal assessments, your Adviser will create a formal Proposal which will recommend one or several Portfolios that most closely align with your long-term financial goals and risk profile.

Periodic Service Reviews to stay on track with your goals

Your Adviser will formally be in regular contact with you to ensure your account is consistently managed according to your stated investment objectives and will provide recommendations if any life events occur that would meaningfully affect your current financial situation (such as marriage, job change, retirement, or inheritance).

The Premier Program Mutual Fund Families Brochure

Important Footnotes and Disclosures

Investment advisory products and services are offered through Foresters Advisory Services, LLC ("FAS"), a registered investment adviser. Brokerage products and services, and life insurance and annuities are distributed through Foresters Financial Services, Inc. ("FFS"), a registered broker-dealer. FAS and FFS are affiliated companies. The Insurance products include those that are issued by Foresters Life Insurance and Annuity Company and The Independent Order of Foresters. Foresters Investment Management Company, Inc. is the investment adviser for the First Investors Funds. All are subsidiaries of Foresters Financial Holding Company, Inc., a wholly-owned subsidiary of The Independent Order of Foresters.

The Premier Mutual Fund Advisory Program ("Premier Program") is a fee-based investment advisory service provided by FAS. Premier Program accounts are charged an annual asset-based fee that is billed quarterly, in advance. For complete information, you should refer to the FAS Form ADV Brochure, the Brochure Supplement for your Adviser, and the relevant mutual fund prospectuses.

Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the mutual funds in any Premier Program Portfolio you may select. This and other information is contained in the mutual fund prospectuses, which you should read carefully before investing. You may obtain a free prospectus for any First Investors Fund by downloading it from our website, contacting your Adviser, or contacting Foresters Advisory Services, LLC. To obtain a free prospectus for any other mutual fund, please visit the mutual fund company's website or contact your Adviser.

Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Investment returns and the principal value of an investment will fluctuate, so that when the investment is sold or redeemed, it may be worth more or less than the original cost.

Foresters Financial™ and Foresters™ are the trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries, including Foresters Advisory Services, LLC, Foresters Financial Services, Inc., Foresters Life Insurance and Annuity Company, and Foresters Financial Holding Company, Inc.

Investment and portfolio management

Text: Diverse set of mutual funds across highly regarded investment firms, designed and managed consistently based upon your overall financial goals, timeframes, risk tolerance and other unique factors, customized and well-diversified portfolio of mutual funds designed especially for you

A seasoned team to address your investment needs

Your Adviser is supported by the Premier Program Team consisting of the FAS Investment Committee, Research & Strategy, and Operations teams who help actively construct, manage, monitor, and implement Portfolios comprised of a diversified mix of mutual funds. The Research & Strategy team carefully selects mutual funds across a range of well-known and highly regarded investment firms.

Daily oversight and ongoing monitoring

State-of-the-art technology is used to rebalance, re-allocate, and make other necessary modifications to ensure the assets in your account(s) are allocated according to your risk profile.

Overview of the Premier Program Risk Profiles

Risk level indicator


Investment management insight and feedback

On a quarterly basis, we will provide you with insightful market commentary in a quarterly publication. This commentary is written by our Director of Research & Strategy and is designed to help you stay up-to-date on current financial markets.

The Premier Program Mutual Fund Families Brochure

Important Footnotes and Disclosures

Investment advisory products and services are offered through Foresters Advisory Services, LLC ("FAS"), a registered investment adviser. Brokerage products and services, and life insurance and annuities are distributed through Foresters Financial Services, Inc. ("FFS"), a registered broker-dealer. FAS and FFS are affiliated companies. The Insurance products include those that are issued by Foresters Life Insurance and Annuity Company and The Independent Order of Foresters. Foresters Investment Management Company, Inc. is the investment adviser for the First Investors Funds. All are subsidiaries of Foresters Financial Holding Company, Inc., a wholly-owned subsidiary of The Independent Order of Foresters.

The Premier Mutual Fund Advisory Program ("Premier Program") is a fee-based investment advisory service provided by FAS. Premier Program accounts are charged an annual asset-based fee that is billed quarterly, in advance. For complete information, you should refer to the FAS Form ADV Brochure, the Brochure Supplement for your Adviser, and the relevant mutual fund prospectuses.

Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the mutual funds in any Premier Program Portfolio you may select. This and other information is contained in the mutual fund prospectuses, which you should read carefully before investing. You may obtain a free prospectus for any First Investors Fund by downloading it from our website, contacting your Adviser, or contacting Foresters Advisory Services, LLC. To obtain a free prospectus for any other mutual fund, please visit the mutual fund company's website or contact your Adviser.

Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Investment returns and the principal value of an investment will fluctuate, so that when the investment is sold or redeemed, it may be worth more or less than the original cost.

Foresters Financial™ and Foresters™ are the trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries, including Foresters Advisory Services, LLC, Foresters Financial Services, Inc., Foresters Life Insurance and Annuity Company, and Foresters Financial Holding Company, Inc.

Client portal and account information

Financial advisor with couple

Visibility and reporting

You have the option to access your household and individual account information in real time through an intuitive desktop and mobile platform that includes information such as Portfolio Holdings, Account Activity, Order Status, and Quarterly Performance Reports. You may also elect to have required documents sent to you via mail as well, such as your Monthly Account Statements, Trade Confirmations, and Quarterly Performance Reports. This information is intended to help provide insight into how well your account is tracking to the investment plan discussed and recommended by your Adviser.

The Premier Program Mutual Fund Families Brochure

Important Footnotes and Disclosures

Investment advisory products and services are offered through Foresters Advisory Services, LLC ("FAS"), a registered investment adviser. Brokerage products and services, and life insurance and annuities are distributed through Foresters Financial Services, Inc. ("FFS"), a registered broker-dealer. FAS and FFS are affiliated companies. The Insurance products include those that are issued by Foresters Life Insurance and Annuity Company and The Independent Order of Foresters. Foresters Investment Management Company, Inc. is the investment adviser for the First Investors Funds. All are subsidiaries of Foresters Financial Holding Company, Inc., a wholly-owned subsidiary of The Independent Order of Foresters.

The Premier Mutual Fund Advisory Program ("Premier Program") is a fee-based investment advisory service provided by FAS. Premier Program accounts are charged an annual asset-based fee that is billed quarterly, in advance. For complete information, you should refer to the FAS Form ADV Brochure, the Brochure Supplement for your Adviser, and the relevant mutual fund prospectuses.

Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the mutual funds in any Premier Program Portfolio you may select. This and other information is contained in the mutual fund prospectuses, which you should read carefully before investing. You may obtain a free prospectus for any First Investors Fund by downloading it from our website, contacting your Adviser, or contacting Foresters Advisory Services, LLC. To obtain a free prospectus for any other mutual fund, please visit the mutual fund company's website or contact your Adviser.

Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Investment returns and the principal value of an investment will fluctuate, so that when the investment is sold or redeemed, it may be worth more or less than the original cost.

Foresters Financial™ and Foresters™ are the trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries, including Foresters Advisory Services, LLC, Foresters Financial Services, Inc., Foresters Life Insurance and Annuity Company, and Foresters Financial Holding Company, Inc.

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