Support

• Automatic, seamless diversification (which means higher returns with low risk).
• Automatic rebalancing of your portfolio.
• Automatic reinvestment of your dividends.
• Transaction in exact dollar amounts (so you don’t have to buy whole shares).

KYUR is an SEC-Registered Investment Advisor. It is subject to regulatory supervision by the United States Securities Exchange Commission.

While you could buy the same ETFs from a traditional broker or fund company, you couldn’t get them all from any one place without a fee, so you’d be paying to buy, sell, or trade the ETFs.

Even after you purchased those securities, you’d have to rebalance regularly — which few people do because of the work, scheduling, and transaction fees involved — to get the risk-reducing and returns-enhancing benefits of rebalancing (which KYUR handles for you, automatically). KYUR  also seamlessly invests every penny according to your allocation; this means all your money is working for you.

Just click Open Account -or Invest Now- on the Homepage. You will be taken to our Products page where you can choose the investment of your choice from KYUR.

KYUR offers easy access to investment solutions heretofore available only to the wealthy and institutional investors. KYUR applies advanced quantitative algorithms of its proprietary PMO Engine to construct portfolios that control risks of losses to your capital to the limits you want to tolerate, not just volatility (the ups and downs of the markets). KYUR advanced quantitative solutions also aim to maximize the chances of optimal long-term returns to your capital, as shown in the historical records of the performances of KYUR strategies.

Disclosure: Management fees charged by KYUR do not include expenses, transaction fees, trading costs or any costs that may be levied, and usually are, by the broker-dealers or financial institutions where your investment assets are safeguarded. These institutions have multi-billion dollars of assets; they are publicly traded companies and listed on the U.S. major stock exchanges. They are subject to extensive federal and state regulations. They are independent from KYUR and are not affiliates of KYUR. Their job is to make sure to keep track of all activities in your accounts, that their records are kept accurately and are available to you for inspection.

ETF PORTFOLIOS — KYUR ETF portfolio position your capital to benefit from long-term return of stocks and bonds, with a focus on control of the risks of capital loss, to be suitable to your risk tolerances, how much you are comfortable with.

At low costs – KYUR charges investment management fee of 0.02% a month of the market value of your investment accounts. That is $5 a month for accounts of $25,000.

For just about the cost of a Starbucks latte a month, you will enjoy the KYUR benefits of investing with Peace of Mind.

Disclosure: Management fees charged by KYUR do not include expenses, transaction fees, trading costs or any costs that may be levied, and usually are, by the broker-dealers or financial institutions where your investment assets are safeguarded.

ALPHA GROWTH

Alpha Growth is designed to control risks of capital losses to your capital and generate substantial excess return over the market. The achievement of this objective is not assured or guaranteed. Please inspect the Alpha Growth strategy before investing.

The investment management fees for investments in Alpha Growth are shown in the table below.

Disclosure: Management fees charged by KYUR do not include expenses, transaction fees, trading costs or any costs that may be levied, and usually are, by the broker-dealers or financial institutions where your investment assets are safeguarded.

KYUR MARKEY NEUTRAL PURE ALPHA

PURE ALPHA invests in equity securities, buys stocks of companies believed to have strong fundamental factors, and short sells stocks of companies believed to have weak fundamentals. It is designed to control risks of capital losses to your capital and generate return independent of the stock market. The achievement of this objective is not assured or guaranteed. Please inspect the Pure Alpha strategy before investing.

The investment management fees for investments in Pure Alpha are shown in the table below.

 Disclosure: Management fees charged by KYUR do not include expenses, transaction fees, trading costs or any costs that may be levied, and usually are, by the broker-dealers or financial institutions where your investment assets are safeguarded.

1. Log into Account Management for your Traditional, Rollover or SEP IRA account.
2. Click Manage Account > Add Accounts > Add an Account.
3. Use the Add an Account page to create a new Traditional, Rollover or SEP IRA account that is linked to your IRA account.
4. Once the new Traditional, Rollover or SEP IRA Account is open, log into Account Management for your original IRA account, then click Funding > Position Transfers to transfer assets into the new IRA account.

No, joint IRAs are not permitted. An IRA must be established in the name of the owner with their own tax identification number. An IRA is an “individual” retirement plan which allows the designation of beneficiaries, spouse or a non-spouse.

t can be funded via ACATS ( if coming from another IRA), Direct Rollover (if coming out of a qualified plan), or via a trustee to trustee transfer (for those firms that don’t support ACATS).

There are several ways to fund an IRA account.

• Contribution – The dollar amount of assets you are contributing to an Individual Retirement Account. This amount may be subject to certain limits imposed by the Internal Revenue Service (IRS).Contributions are reported to the IRS on Form 5498.
• Deposit by Check – require a 6 day hold before funds will be cleared for trading. Make check payable to Interactive Brokers LLC fbo (client’s full name).
• Rollover – A transfer of funds from an IRA account with another trustee/custodian, within 60 days following a distribution, to an IB-IRA account. Rollovers must be reported to the IRS on Form 5498. Account types must be the same in order to rollover assets; for example, if the originating account is a Roth IRA, your IB account must also be a Roth IRA.
• Direct Rollover – A transfer of funds from a qualified plan (pension, 401(k) or other qualified retirement plan) with an employer to an IB Traditional IRA account. In a Direct Rollover, the trustee/custodian of your employer qualified plan (401(k) or pension) transfers your retirement assets directly to IB. In general, while there are no withholding taxes or penalties applied to a Direct Rollover, Direct Rollovers are reported to the IRS on Form 5498.
• Trustee-to-Trustee Transfer – A transfer of funds from an Individual Retirement Account held with another trustee/custodian to an IB-IRA account, where the assets are transferred directly from trustee/custodian to trustee/custodian, with no distribution of assets to you. ACATs position transfers are available, but the account type and Tax ID must match in order to execute the transfer. Trustee-to-trustee transfers are not reported to the IRS.

The Direct Rollover is a tax-free distribution to you of cash or other assets from one retirement plan that you contribute to another retirement plan, including an IRA.  The contribution to the IRA is called a rollover contribution.  The Direct Rollover method transfers the assets directly from the retirement plan (and not to the IRA owner) into the investor’s IRA, avoiding the 20% mandatory IRS withholding.  This option to transfer retirement assets has no age limitations.

Eligible retirement plans include:

• Employer’s qualified pension, profit -sharing, or stock bonus plan
• Annuity plan
• Tax sheltered annuity plan (section 403(b) plan)
• Governmental deferred compensation plan (section 457 plan)

For those transfers that require a broker-supplied IRA Rollover Form, Interactive Brokers provides a convenient IRA Rollover Form.  Interactive Brokers will forward the request to the plan administrator or broker for processing.  Funds may be transferred by either wire transfer or check directly to Interactive Brokers.

Before accepting an IRA rollover transaction into an IRA, we require that you review your eligibility for the rollover and certify your understanding of the rollover rules and conditions.  The IRA Rollover Form includes the Rollover Form and an IRA Rollover Certification Form.

The Fund Transfers page within the Account Management lets you notify IB of an IRA Rollover deposit of funds into your account.  Select the Funding tab in the header link and choose Deposit Funds in the Transaction list.   In the Method list, select Direct Rollover.  Complete, sign, and return both forms to the Interactive Brokers address on the form.

Once all account application materials have been received at IB, the application will be reviewed and a decision will be made to either accept or decline the account. An email will be sent to the applicant informing them of the decision. In addition, you may log into Complete Application to view your latest status.

ACATS transfers are available in Account Management. Select Position Transfers from the Funds Management menu, then select ACATS – US Broker Transfer from the Transfer Method dropdown list. Choose Full or Partial as the type of ACATS transfer, then select the firm from the Source dropdown list. You will need the firm’s account number. If you choose Partial as the type of ACATS transfer, you will be prompted to select the assets you want to transfer.

A drop-down list will display Clearing Firms that are participants in the ACATS program, select the firm you wish to transfer from. Not all firms are self-clearing. If you do not find your firm on the list, please contact one of their representatives to confirm that they participate in the ACAT system.

KYUR accepts only products that are available for trading and deemed transferable by the NSCC. Certain products, such as Commodities/Futures, Limited Partnership Units and Restricted Securities are not transferable.

The ACAT system facilitates the transfer of identically titled/typed accounts between participant firms (i.e. John Doe to John Doe, or Jane Doe, Traditional IRA to Jane Doe, Traditional IRA). In certain instances, the delivering firm may make exceptions to validate requests between non-identical titles (i.e. John E. Doe to J. Edward Doe).

The rejection of an ACATS transfer request is typically initiated by action of the delivering broker once that broker has had an opportunity to review the request and confirm the details of the account to be transferred.  In the case of certain rejection notices (i.e., categories 1-5 and 10 below), the ACATS process affords the receiving broker (KYUR) a 24-hour window within which revised information may be transmitted and after which time the transfer request will require resubmission by the client.  During this 24-hour window, KYUR will attempt to contact the transferring client in an effort to reconcile any discrepancies causing the initial rejection notice. Rejections generally fall into the following categories:

Rejections by the Delivering Broker:

1. Social Security Number/Tax ID Mismatch – the client taxpayer identification number as provided by the receiving broker does not agree with that of the delivering broker’s records.
2. Account Title Mismatch – the client account title as provided by the receiving broker does not agree with that of the delivering broker’s records.
3. Documentation Needed – the delivering broker requires additional account documentation in order to process a transfer request (e.g., death or marriage legal documents).
4. Account Flat – account holds no transferable assets.
5. Invalid Account Number – the client account number as provided by the receiving broker is not on delivering member’s books.
6. Duplicate – delivering broker is already in receipt of a transfer request involving the same receiving broker and client account.
7. Account in Distribution or Transfer – another ACATS transfer or other distribution of account assets directly to client is already underway.
8. Client Rescinded – client has submitted written request to cancel transfer request.
9. Missing Authorization Signature – transfer request requires an additional client and/or custodian signature.
10. Credit Violation – the result of the transfer if effected would be to place the account in margin deficit and subject to forced liquidation.

1099-R: Available January 31, 2018
– IRAs, Roth IRAs and SEP IRA accounts.

Consolidated Form 1099: Available February 15, 2018
(includes forms 1099-INT, 1099-OID, 1099-DIV, 1099-B, 1099-MISC)
– For All accounts.

Worksheet for Form 8949: Available February 15, 2018

• Individuals and Primary Joint Account Holders
• Partnerships, LLCs Trusts and Disregarded Entities
• Advisor and Fully Disclosed Broker Clients

Gain/Loss Worksheet for 1256 Contracts: Available February 15, 2018

• Individuals and Primary Joint Account Holders
• Partnerships, LLCs, Trusts, unincorporated businesses and owners of Disregarded Entities
• Advisor and Fully Disclosed Broker Clients

All US citizens, Green Card holders and other legal residents are considered US persons by the IRS and are required to complete Form W-9, Request for Taxpayer Identification Number and Certification, when they apply to open an account. Entities formed or operating in the United States are also treated as US persons. If you are an individual, include your social security number (SSN). If you are an entity, your employer identification number (EIN) is required.

US resident aliens will also be required to complete Form W-9 and provide a social security number (SSN). A resident alien is considered a US resident if one of the following criteria has been met: you are a lawful permanent resident issued a resident alien registration card (“Green Card”), or you are an individual with a valid nonimmigrant visa who resides in the US for a required period of time and you have established a substantial presence. Refer to IRS Publication 519, US Tax Guide for Aliens, for further information.

Generally, there is no US tax withholding required from the account of US persons or entities. However, the IRS may direct us to withhold on the accounts of US persons or entities on dividends, interest, and proceeds.

KYUR has partnered with Interactive Brokers (IB) to bring our clients’ the highest level of order execution and account management. If you have specific question on your account management please use our technical chat which is available after you have logged into your account.

Select the Support Link and Live Chat and a representative will be happy to assist you further on any account management questions you may have.