MidWestOne Trust Services

A Disciplined Approach Our investments process is designed to provide investors with comprehensive investment solu- tions that meet their goals and objectives. We build targeted portfolios across varying risk levels, implement them efficiently, and manage them according to their risk objective. You only need to worry about helping us define your goals and objectives‒we take care of the rest. Step One: Set objectives Gathering the Inputs: The most important step in the investing process is identifying and defining investment goals and objectives, risk tolerance, time horizon, and other personal con- siderations. With this information, we help you document your investment election and detail the investment strategy to be used for the ongoing management of your portfolio. Step Two: Develop asset allocation Building the Portfolio: Asset allocation is the practice of spreading risk across a range of invest- ment classes and management styles in order to balance the effect of any single aspect of the market. History has proven that proper asset allocation is the prime determinant of how your portfolio performs. Step Three: Implement the plan Building out specific strategies to include in your portfolio requires many considerations. We build a broad implementation plan that fits within the constraints of your asset allocation guidelines, and we ensure that the execution remains consistent with your stated objective and account circumstances. Step Four: Manage and monitor As the investment manager of your trusted assets, we perform multiple roles. We manage individual security strategies to save cost and improve efficiencies. We select and monitor outside managers when used in your portfolio. We coordinate all these pieces to bring a comprehensive investment solution that is tailored to your needs.