The Fixed Income Plus Tax Neutral portfolio attempts nominal capital preservation of principal through laddered fixed maturity date corporate bond exchange traded funds and/or laddered individual corporate bonds (held to maturity), and hedging against potential interest rate rises and inflation through actively managed floating rate securities, treasury inflation protected securities, and long term non-laddered bond components. The target asset allocation is 100% Bonds/ Credit Markets.

The Traditional Conservative Allocation portfolio provides a traditional US-centric strategic asset allocation investment approach in a simplified ETF-based structure for the conservative risk tolerance investor. The portfolio is appropriate for accumulation phase investors with a short time horizon, those seeking inflation-adjusted capital preservation, or those seeking a modest immediate income. Approximately 75% of the portfolio is composed of laddered fixed maturity date and variable corporate bond exchange traded funds, with 25% in a diversified US-centric stock allocation (ETFs). The percentage split between each of the components is rebalanced on an ongoing basis. The target asset allocation is 75% Bond/Credit Markets, 25% Stock/Equity Markets.

The Multi-Contingency Conservative portfolio provides a coordinated multi-methodology investment approach in a single simplified portfolio structure for the conservative risk tolerance investor. The portfolio is appropriate for accumulation phase investors with a short time horizon, those seeking inflation-adjusted capital preservation, or those seeking a modest immediate income. A minimum of 75% of the portfolio (but up to 100%) is allocated to laddered target date or other bond exchange traded funds at all times. The remainder may be allocated amongst three additional method components: A diversified strategic global all-cap stock (ETF) portfolio; a portion that is managed on an unconstrained basis and is opportunistically shifted up to 100% to the asset class(es) (ETFs) determined to be the most favorably priced at any given time; and a portion that may be allocated to selected individual stocks. The percentage split between each of the portfolio components is rebalanced/reallocated on an ongoing basis. The target asset allocation is 75%-100% Bond/Credit Markets, 0-25% Stock/Equity Markets and Unconstrained.

The Traditional Moderate Allocation portfolio provides a traditional US-centric strategic asset allocation investment approach in a simplified ETF-based structure for the moderate risk tolerance investor. The portfolio is appropriate for accumulation phase investors with an intermediate time horizon, those seeking slightly above-inflation returns, or those seeking a moderate immediate income. Approximately 50% of the portfolio is composed of laddered fixed maturity date and variable corporate bond exchange traded funds, with 50% in a diversified US-centric stock allocation (ETFs). The percentage split between each of the components is rebalanced on an ongoing basis. The target asset allocation is 50% Bond/Credit Markets, 50% Stock/Equity Markets.

The Multi-Contingency Moderate portfolio provides a coordinated multi-methodology investment approach in a single simplified portfolio structure for the moderate risk tolerance investor. The portfolio is appropriate for accumulation phase investors with an intermediate time horizon, those seeking slightly above-inflation returns, or those seeking a moderate immediate income. A minimum of 50% of the portfolio (but up to 100%) is allocated to laddered target date or other bond exchange traded funds at all times. The remainder may be allocated amongst three additional method components: A diversified strategic global all-cap stock (ETF) portfolio; a portion that is managed on an unconstrained basis and is opportunistically shifted up to 100% to the asset class(es) (ETFs) determined to be the most favorably priced at any given time; and a portion that may be allocated to selected individual stocks. The percentage split between each of the portfolio components is rebalanced/reallocated on an ongoing basis. The target asset allocation is 50%-100% Bond/Credit Markets, 0-50% Stock/Equity Markets and Unconstrained.

The Traditional Aggressive Allocation portfolio provides a traditional US-centric strategic asset allocation investment approach in a simplified ETF-based structure for the aggressive risk tolerance investor. The portfolio is appropriate for accumulation phase investors with a long time horizon, those seeking significantly above-inflation returns, or those seeking a high immediate income. Approximately 25% of the portfolio is composed of laddered fixed maturity date and variable corporate bond exchange traded funds, with 75% in a diversified US-centric stock allocation (ETFs). The percentage split between each of the components is rebalanced on an ongoing basis. The target asset allocation is 25% Bond/Credit Markets, 75% Stock/Equity Markets.

The Multi-Contingency Aggressive portfolio provides a coordinated multi-methodology investment approach in a single simplified portfolio structure for the aggressive risk tolerance investor. The portfolio is appropriate for accumulation phase investors with a long time horizon, those seeking significantly above-inflation returns, or those seeking a high immediate income. A minimum of 25% of the portfolio (but up to 100%) is allocated to laddered target date or other bond exchange traded funds at all times. The remainder may be allocated amongst three additional method components: A diversified strategic global all-cap stock (ETF) portfolio; a portion that is managed on an unconstrained basis and is opportunistically shifted up to 100% to the asset class(es) (ETFs) determined to be the most favorably priced at any given time; and a portion that may be allocated to selected individual stocks. The percentage split between each of the portfolio components is rebalanced/reallocated on an ongoing basis. The target asset allocation is 25%-100% Bond/Credit Markets, 0-75% Stock/Equity Markets and Unconstrained.

The Traditional Stock Allocation portfolio provides a traditional US-centric strategic asset allocation investment approach in a simplified ETF-based structure for the all-stock investor. The portfolio is appropriate for accumulation phase investors with a very long time horizon, those seeking significantly above-inflation long term returns, or those seeking to complement a pre-existing fixed income portfolio in a tax efficient manner. The portfolio is composed of a diversified US-centric stock allocation (ETFs), with minor allocations to international developed and emerging markets. The percentage split between each of the components is rebalanced on an ongoing basis. The target asset allocation is 100% Stock/Equity Markets.

The Multi-Contingency Unconstrained portfolio provides a coordinated multi-methodology investment approach in a single simplified portfolio structure for the high risk tolerance long term investor. The portfolio is appropriate for accumulation phase investors with a time horizon of at least one or more market cycles, those seeking significantly above-inflation returns, or those seeking a very high immediate income (and willing to accept potentially high volatility). The portfolio is unconstrained in its ability to allocate or shift between four investing method components: A portion that may be allocated to laddered target date or other bond exchange traded funds; a diversified strategic global all-cap stock (ETF) portfolio; a portion that is managed on an unconstrained basis and is opportunistically shifted up to 100% to the asset class(es) (ETFs) determined to be the most favorably priced at any given time; and a portion that may be allocated to selected individual stocks. The percentage split between each of the portfolio components is rebalanced/reallocated on an ongoing basis. The asset allocation is 100% Unconstrained (Allocations to all asset classes are permitted).

Global Strategic Distribution is an income-focused portfolio that provides long term strategic asset allocation exposures to stock, bond, and hard asset markets on a global basis (domestic, international developed, and emerging markets) with attention to managing political and currency risks through diversification and hedging. Diversity, security selection, the generation of income for withdrawals, and ongoing rebalancing of the portfolio are the focus of management. The objective is modest income and long term inflation protection reasonably consistent with the performance of the global equity and fixed income markets, but with greater asset-type diversity. The target asset allocation ranges are 20-40% Bond and Credit Markets/ 40-80% Stock Markets/ 0-20% Hard Asset Markets.

The Opportunistic Systematic Investing portfolio is designed for regular systematic investors with an intermediate to long term or aggressive growth goal in which a portfolio is gradually built on an opportunistic basis and periodically reconstituted in an attempt to grow the portfolio with low correlation to the global equity and fixed income markets. Each new investment cash flow is invested in the asset class deemed to be most favorably priced using an opportunistic probability-based statistical analysis methodology (with a discretionary model intervention management overlay). Once assets previously purchased are no longer deemed to be favorably priced, they are sold and reinvested in the newly calculated favorably-priced asset. Management will attempt to reduce “systematic” market risk as it relates to the portfolio where possible, through low stock and bond market correlation. This entails significant management-related risks. The portfolio remains liquid, with no lock-up periods or surrender charges that apply, and provides investment philosophy diversification. The asset allocation is 100% Unconstrained (Allocations to all asset classes are permitted). The portfolio may also be replicated for those that are not systematically investing.

The Thematic Systematic Investing portfolio is designed for regular systematic investors with a long term or aggressive growth goal, and is intended to provide the potential for long term market outperformance through a concentrated theme-driven individual stock and/or ETF portfolio. Each new investment cash flow is invested in a security deemed to be the most undervalued using a fundamental valuation analysis methodology, drawn from a thematically-selected security watch list. The watch list portfolio of potential holdings is first created subjectively based on themes of global economic development and human advancement, and then each security is analyzed individually and ranked by fundamental valuation. Once securities previously purchased are no longer deemed to be favorably priced, they are sold and reinvested in a newly calculated favorably-priced security. This portfolio is not necessarily diversified and may represent significant concentration risks to the investor. Portfolio volatility is not a consideration in this portfolio’s goal of achieving high long term growth. The target asset allocation is 100% Stock/Equity/Hard Asset Markets. The portfolio may also be replicated for those that are not systematically investing.