Frontier is an independent asset management firm that manages portfolios of mutual funds for a select group of financial advisors and their clients. Frontier also manages portfolios and provides consulting services to institutional investors and charitable organizations. We are innovators and independent thinkers. We continuously look for opportunities to improve our capabilities and make access to our services easier and more efficient for our clients. Our focus is solely on investment management and helping our clients reach their financial goals. We believe investment success is best achieved through a disciplined strategy. It starts with a plan designed with our clients' goals in mind. Then the plan is carefully implemented and constantly monitored. This is accomplished most effectively when Frontier works hand-in-hand with each client's financial advisor. We work closely with the advisors we serve to provide their clients with the most appropriate investment strategies for their particular goals and objectives. For that reason we limit the number of advisors we partner with so we can maintain the level of research, individualized portfolio management and service that our clients deserve. We take pride in our independence and our objectivity. Our firm is majority owned and controlled by management. We avoid conflicts of interest and serve as fiduciaries to all of our clients. That means we put their interests before our own. Our advice is always based on what we think is best for our clients.