Managed Mutual Fund

The GGFS Managed Mutual Fund program (Select Trac Mutual Fund) is designed for investors who are looking for the diversification and daily liquidity mutual funds provide. GGFS constructs a portfolio of no-load and load-waived mutual funds that is designed to provide investors with professional ongoing investment management services. This program is ideally suited for smaller taxable accounts and IRA accounts. We charge one all-inclusive asset-based fee. You pay a quarterly management fee based on a percentage of your overall account value.

There are no additional trading commissions or fees, regardless of how often trades are placed in your account. Please see important information below. For more information see the Disclosure Brochure.

IMPORTANT INFORMATION

In addition to the management fees that are charged by BAM, the underlying Mutual Fund, Exchange Traded Fund or Variable Annuity sub-accounts have internal expenses, fees and costs. Please read the prospectus of the underlying funds or annuity for specific information relating to the fees, charges and costs as well as other important information relating to the investments. These investments are not FDIC insured, may lose their value and are not guaranteed.

Bank Deposit Sweep Program (BDSP) "Disclosure Document" Securities offered through Bruderman Brothers, LLC, a Registered Broker Dealer, Member FINRA, SIPC. Management services offered through Bruderman Asset Management, a registered Investment Advisory Firm.