SMART Portfolio

Use ISHARES (LT) Portfolios

SMART Portfolios

Strategic ishares (LT) Target Allocations - 2020

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PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS.

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Performance data assumes that holdings are maintained throughout the year and do not recognize potential costs of trading, platform fees, commissions or advisory wrap fees. Portfolio performance and costs assumes utilization of the institutional or “no load” share class. Dividends and capital gains are assumed to be reinvested. Users that make the decision to utilize the Portfolios for investment accounts do so at their own discretion. Data is compiled using Morningstar Direct Software; performance and cost data is assumed to be reliable.

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An investment in Adaptive Funds is subject to investment risks, including the possible loss of some or the entire principal amount invested. There can be no assurance that the Fund will be successful in meeting its investment objective. Investment in the Fund is also subject to the following risks: Fund of Funds Risk; Control of Portfolio Funds Risk; Market Risk; Management Style Risk; Fixed Income Risk; Interest Rate Risk; Inflation Risk; High-Yield Risk; Corporate Debt Securities Risk; Convertible Securities Risk; Risks from Treasury Inflation-Protected Securities; Sector Risk; Foreign Securities and Emerging Markets Risk; Short Sales Risk; Leverage Risk; Portfolio Turnover Risk; Futures Risk Swaps Risk; Risks from Purchasing Options; Risks from Writing Options; Investment Advisor Risk; and Fixed-Income Market Risk. More information about these risks can be found in the Fund’s prospectus.The Fund may invest in foreign securities and emerging markets, and these investments have risks that differ significantly from those associated with domestic securities. The use of leverage may exaggerate changes in a portfolio fund’s share price and the return on its investments and accordingly, the value of the Fund’s investments in portfolio funds may be more volatile than all other risks, including the risk of loss of an investment, tend to be compounded or magnified. The Fund and Portfolio Funds may invest in junk bonds, including bonds of issuers in default, and other fixed income securities that are rated below investment grade.

Investors should consider the investment objective, management fees, risks, charges and expenses of the Fund carefully before investing or sending money. The Prospectus contains this and other information about the Fund. For a current Prospectus, call 888-721-4588, visit us at www.adaptiveinv.com or email us at info@www.adaptiveinv.com. Please read the Prospectus carefully before you invest. Current and future holdings are subject to change and risk.

The Adaptive Funds are distributed by Capital Investment Group, Inc., Member FINRA/SIPC, 100 E Six Forks Rd, Suite 200, Raleigh, NC, 27609, (800) 773-3863. There is no affiliation between Adaptive Investments, including its principals, and Capital Investment Group, Inc.