Cumberland Advisors Letter to Clients with respect to COVID-19

To our clients:

Cumberland Advisors continues to monitor global as well as local developments with respect to COVID-19 (the illness caused by the new coronavirus), while constantly considering changes that may be required to our operations, processes, and systems to ensure continued support of our clients. We constantly review and update our business continuity and preparedness plan, which supports our overall operations when responding to a disaster or pandemic situation. As always, our goal is to consistently deliver a high level of service and support to our clients.

Amid the continuing concern over the expanding impact of the virus, safeguarding the health and well-being of our employees and their families is also of paramount importance. To that end, we are considering safety precautions for our staff, such as work-from-home or work dispersion, restricting nonessential travel, and replacing some of our in-person events or meetings with digital experiences or direct voice communications.

Continued Client Service: Our Investment Advisor Representatives and Operations Support staff will remain consistently available to handle day-to-day client needs and answer any questions related to your accounts and activity therein. They are supported by a team that will ensure continuity of services and the production of required analysis.

Internal Systems & Data: Technology and reporting capabilities are an important component of our client services. Applications such as email, data availability, and analytics are also of utmost importance to us in delivering a high level of client service. These applications are accessible remotely and within a secure environment.

In the event that we are required to implement our business continuity plan, we will repeatedly assess the plan to ensure that we are meeting the needs of our clients and adjust it as needed. Our internal teams will communicate on a continual basis in response to changing scenarios in order to meet the needs of our clients, employees, and shareholders. We are committed to assisting each of these stakeholders as we all navigate any and all challenges that may arise with respect to COVID-19.

As always, we appreciate your trust in Cumberland and value your relationship with us.

Please feel free to contact your Investment Advisor or anyone on the Cumberland team with any questions you may have.

Sincerely,

John R. Mousseau, CFA
President, Chief Executive Officer
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David R. Kotok
Chairman and Chief Investment Officer
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Questions or comments? Email us at info@cumber.com or give us a call at

(800) 257-7013.