$ymbil is a dynamic, online investment adviser platform that assesses the risk profile of an investor and recommends a risk-appropriate managed Ladenburg Fund. Ladenburg Thalmann Asset Management (“Ladenburg”) is an SEC Registered Investment Advisory firm established in 1982. Ladenburg has over $6 billion in assets under management/advisement and a dedicated staff of professionals with over 200 years of combined investment management experience. To learn more about us, please visit http://www.ltam.com.

$ymbil is for all types of investors from novice investors opening their first account to the expert who wants a simple, quick, and easy way to invest. The questionnaire places you into 1 of 5 mutual funds based on your age, objectives, time horizon and tolerance for risk. Everything entered into the $ymbil questionnaire is dynamic which allows an algorithm designed by Ladenburg to help make the investment decisions. The sign-up process takes less than ten minutes, and the minimum investment is only $500. For more information, please visit www.symbil.com.

By using $ymbil you consent to electronic delivery of our brochure with privacy policy. $ymbil is a service of Ladenburg Thalmann Asset Management, Inc. (LTAM) a registered investment adviser. Before investing, please review the LTAM $ymbil Disclosure Brochure and applicable mutual fund prospectus for further information about the Fund’s expenses and other charges. $ymbil does not provide comprehensive investment advice or consider other assets held by clients. LTAM does not exercise any form of discretion over an $ymbil client’s investments. Clients have no obligation to accept any suggestions provided by $ymbil or to invest in any of the Ladenburg Funds. There is no charge for the $ymbil service. However, LTAM receives fees for managing the five Ladenburg Funds that are recommended through $ymbil. Diversification does not ensure profit or protect against loss. The Ladenburg Funds are distributed through Ladenburg Thalmann & Co. Inc., FINRA and SIPC; and through other subsidiaries of Ladenburg Thalmann Financial Services Inc. Not FDIC Insured. • No Bank Guarantee. • May Lose Value