| Type | Manager | Name | As Of
Date | YTD
Return | 1 Year
Return | 3 Year
Return | 5 Year
Return | 2026
Return | 2025
Return | 2024
Return | 2023
Return | 2022
Return | 2021
Return | 3 Year
Standard
Deviation* | 5 Year
Standard
Deviation* | 3 Year
Sharpe
Ratio* | 5 Year
Sharpe
Ratio* | Name | Model ID | Style | Profile | Management Fee | Minimum
Investment | Strategy_desc | Est. 12b1 | Est. SubTA | Total Model Expense |
| ModelxChange | 3D/L Capital Management | 3D ESG Equity ETF | | | | | | | | | | | | | | | | | 7468 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7468 | 0.4000 | 0 | 3D ESG Equity ETF seeks long-term capital appreciation using exchange-traded funds (“ETFs”) to target risk-based exposure with a specific focus on environmental, socially-aware, and governance (ESG) principles. The strategy’s investment objective is to provide long-term superior risk-adjusted returns over the broad global equity benchmark as represented by the MSCI All-Country World Index (ACWI). 3D ESG Equities can be used as a stand-alone equity strategy or as a component within a risk-based asset allocation program (i.e. asset mixes targeting long-term capital market return objectives). Using exchange-traded funds (“ETFs”), 3D ESG Equity invests in global stocks that will generally score well on environment, socially-aware, and governance (ESG) principles. 3D portfolios are constructed using broad-based ESG ETF strategies as well as thematic ETFs such as clean energy. Eligible ESG ETFs must score above average versus their fund peers on overall and individual ESG metrics. The benchmark is MSCI ACWI. | | | 0.7698 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 100 | | | | | | | | | | | | | | | | | 100 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL100 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return in excess of 9.50% over time, consisting of capital appreciation and dividend yield. The Portfolio’s target allocation is 100% equity funds and 0% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.6242 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 20 | | | | | | | | | | | | | | | | | 108 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL108 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 5.50% to 6.50% over time, consisting of capital appreciation and dividend yield. The Portfolio’s target allocation is 20% equity funds and 80% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.7680 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 20 - Tax Sensitive | | | | | | | | | | | | | | | | | 2147 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2147 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 5.50% to 6.50% over time, consisting of capital appreciation and tax-sensitive yield The Portfolio’s target allocation is 20% equity funds and 80% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, municipal bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.5397 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 30 | | | | | | | | | | | | | | | | | 2136 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2136 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 6% to 7% over time, consisting of capital appreciation and dividend yield. The Portfolio’s target allocation is 30% equity funds and 70% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.7003 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 30 - Tax Sensitive | | | | | | | | | | | | | | | | | 2140 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2140 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 6% to 7% over time, consisting of capital appreciation and tax-sensitive yield. The Portfolio’s target allocation is 30% equity funds and 70% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, municipal bond markets, and certain alternative assets, such as REITs and commodity indexes.
| | | 0.5656 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 40 | | | | | | | | | | | | | | | | | 109 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL109 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 6.50% to 7.50% over time, consisting of capital appreciation and dividend yield. The Portfolio’s target allocation is 40% equity funds and 60% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.7469 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 40 - Tax Sensitive | | | | | | | | | | | | | | | | | 2141 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2141 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 6.50% to 7.50% over time, consisting of capital appreciation and tax-sensitive yield. The Portfolio’s target allocation is 40% equity funds and 60% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, municipal bond markets, and certain alternative assets, such as REITs and commodity indexes.
| | | 0.5914 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 50 | | | | | | | | | | | | | | | | | 2137 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2137 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 7% to 8% over time, consisting of capital appreciation and dividend yield. The Portfolio’s target allocation is 50% equity funds and 50% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.7136 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 50 - Tax Sensitive | | | | | | | | | | | | | | | | | 2142 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2142 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 7% to 8% over time, consisting of capital appreciation and tax-sensitive yield. The Portfolio’s target allocation is 50% equity funds and 50% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, municipal bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.6173 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 60 | | | | | | | | | | | | | | | | | 110 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL110 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 7.50% to 8.50% over time, consisting of capital appreciation and dividend yield. The Portfolio’s target allocation is 60% equity funds and 40% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.6961 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 60 - Tax Sensitive | | | | | | | | | | | | | | | | | 2143 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2143 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 7.50% to 8.50% over time, consisting of capital appreciation and tax-sensitive yield. The Portfolio’s target allocation is 60% equity funds and 40% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, municipal bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.6431 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 70 | | | | | | | | | | | | | | | | | 2138 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2138 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 8% to 9% over time, consisting of capital appreciation and dividend yield. The Portfolio’s target allocation is 70% equity funds and 30% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.6781 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 70 - Tax Sensitive | | | | | | | | | | | | | | | | | 2144 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2144 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 8% to 9% over time, consisting of capital appreciation and tax-sensitive yield. The Portfolio’s target allocation is 70% equity funds and 30% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, municipal bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.6690 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 80 | | | | | | | | | | | | | | | | | 112 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL112 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 8.50% to 9.50% over time, consisting of capital appreciation and dividend yield. The Portfolio’s target allocation is 80% equity funds and 20% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.6601 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 80 - Tax Sensitive | | | | | | | | | | | | | | | | | 2145 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2145 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 8.50% to 9.50% over time, consisting of capital appreciation and tax-sensitive yield. The Portfolio’s target allocation is 80% equity funds and 20% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, municipal bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.6948 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 90 | | | | | | | | | | | | | | | | | 2139 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2139 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 9% to 10% over time, consisting of capital appreciation and dividend yield. The Portfolio’s target allocation is 90% equity funds and 10% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, bond markets, and certain alternative assets, such as REITs and commodity indexes. | | | 0.7399 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF 90 - Tax Sensitive | | | | | | | | | | | | | | | | | 2146 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2146 | 0.4000 | 0 | The investment objective of the Portfolio is to earn an expected average annualized return of 9% to 10% over time, consisting of capital appreciation and tax-sensitive yield. The Portfolio’s target allocation is 90% equity funds and 10% fixed income funds. The portfolio seeks to achieve diversification and cost control by investing in ETFs that track both domestic and international equity markets, municipal bond markets, and certain alternative assets, such as REITs and commodity indexes.
| | | 0.7207 |
| ModelxChange | 3D/L Capital Management | 3D Global ETF Fixed Income | | | | | | | | | | | | | | | | | 676 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL676 | 0.4000 | 0 | 3D Global ETF Fixed Income Portfolio is designed for investors seeking income, diversification, and risk management against stock market uncertainty and future inflation. Our fixed income strategy seeks the highest level of current income while managing risk for capital preservation. The component exchange-traded funds (ETFs) in the portfolio invests in Treasury securities, investment grade corporate bonds, high-yield bonds and senior floating-rate bank notes. | | | 0.8040 |
| ModelxChange | 3D/L Capital Management | 3D Global Growth Equity | | | | | | | | | | | | | | | | | 7060 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7060 | 0.4000 | 0 | 3D Global Growth Equity seeks long-term capital appreciation using exchange-traded funds (“ETFs”) to target growth-oriented exposure across global equity markets. The strategy’s investment objective is to provide long-term superior risk-adjusted returns over the broad global equity benchmark as represented by Morgan Stanley Capital International All-Country World Index (“ACWI”) with an emphasis on capital appreciation. 3D Global Growth Equity can be used as a stand-alone equity strategy or as a component within a risk-based asset allocation program (i.e. asset mixes targeting long-term capital market return objectives. 3D Global Growth Equity uses a dynamic asset allocation approach that blends the strategic benefits of long-term investing with the flexibility to position around significant market-moving events. The strategy focuses on market segments that exhibit greater growth prospects and momentum versus the broader market. In focusing on particular growth opportunities, the strategy may result in more concentrated exposures across sectors, regions, and factors versus a more broadly-diversified equity portfolio such as MSCI ACWI. | | | 0.7237 |
| ModelxChange | 3D/L Capital Management | 3D/Newfound PrudentPath 2015 | | | | | | | | | | | | | | | | | 1472 | Target-Date 2015 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1472 | 0.6000 | 0 | The portfolio is appropriate for conservative investors seeking to minimize equity exposure with the goal of reducing overall risk and achieving current income. This Fund is designed for an investor with a projected retirement date on or around the year 2015. Portfolio upside potential will be provided by a strategically invested allocation of Exchange Traded Funds (ETPs) composed of primarily fixed income with smaller allocations to equity and alternative asset classes. Downside protection will be provided by absolute and relative exposure models designed to tactically adjust the portfolio allocation of equity vs. fixed income vs. cash to changing market conditions. The maximum allocation to equity in the portfolio declines according to the Glide Path as the target date approaches. | | | 0.6000 |
| ModelxChange | 3D/L Capital Management | 3D/Newfound PrudentPath 2020 | | | | | | | | | | | | | | | | | 1473 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1473 | 0.6000 | 0 | The portfolio is appropriate for conservative investors seeking to minimize equity exposure with the goal of reducing overall risk and achieving current income and modest capital growth. This Fund is designed for an investor with a projected retirement date on or around the year 2020. Portfolio upside potential will be provided by a strategically invested allocation of Exchange Traded Funds (ETPs) composed of primarily fixed income with modest allocations to equity and alternative asset classes. Downside protection will be provided by absolute and relative exposure models designed to tactically adjust the portfolio allocation of equity vs. fixed income vs. cash to changing market conditions. The maximum allocation to equity in the portfolio declines according to the Glide Path as the target date approaches. | | | 0.6000 |
| ModelxChange | 3D/L Capital Management | 3D/Newfound PrudentPath 2025 | | | | | | | | | | | | | | | | | 1474 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1474 | 0.6000 | 0 | The portfolio is appropriate for moderately conservative investors seeking to invest in both fixed income and equities with the goal of reducing risk and achieving conservative to moderate capital growth as well as some current income. This Fund is designed for an investor with a projected retirement date on or around the year 2025. Portfolio upside potential will be provided by a strategically invested allocation of Exchange Traded Funds (ETPs) composed of fixed income equity and alternative asset classes. Downside protection will be provided by absolute and relative exposure models designed to tactically adjust the portfolio allocation of equity vs. fixed income vs. cash to changing market conditions. The maximum allocation to equity in the portfolio declines according to the Glide Path as the target date approaches. | | | 0.6000 |
| ModelxChange | 3D/L Capital Management | 3D/Newfound PrudentPath 2030 | | | | | | | | | | | | | | | | | 1475 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1475 | 0.6000 | 0 | The portfolio seeks is appropriate for a moderate investor who seeks to invest in both fixed income and equities with the goal of reducing risk and achieving moderate capital growth This Fund is designed for an investor with a projected retirement date on or around the year 2030. Portfolio upside potential will be provided by a strategically invested allocation of Exchange Traded Funds (ETPs) composed of equity, fixed income and alternative asset classes. Downside protection will be provided by absolute and relative exposure models designed to tactically adjust the portfolio allocation of equity vs. fixed income vs. cash to changing market conditions. The maximum allocation to equity in the portfolio declines according to the Glide Path as the target date approaches. | | | 0.6000 |
| ModelxChange | 3D/L Capital Management | 3D/Newfound PrudentPath 2035 | | | | | | | | | | | | | | | | | 1476 | Target-Date 2035 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1476 | 0.6000 | 0 | The portfolio is appropriate for a moderate to aggressive investor who seeks to invest in both equities and fixed income with the goal of reducing risk and achieving moderate to aggressive capital growth. This Fund is appropriate for an investor with a projected retirement date on or around the year 2035. Portfolio upside potential will be provided by a strategically invested allocation of Exchange Traded Funds (ETPs) composed of equity, fixed income and alternative asset classes. Downside protection will be provided by absolute and relative exposure models designed to tactically adjust the portfolio allocation of equity vs. fixed income vs. cash to changing market conditions. The maximum allocation to equity in the portfolio declines according to the Glide Path as the target date approaches. | | | 0.6000 |
| ModelxChange | 3D/L Capital Management | 3D/Newfound PrudentPath 2045 | | | | | | | | | | | | | | | | | 1477 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1477 | 0.6000 | 0 | The portfolio is appropriate for a an aggressive investor who seeks significant equity exposure with the goal of achieving capital growth and some income while providing downside protection for an investor with a projected retirement date on or around the year 2045. Portfolio upside potential will be provided by a strategically invested allocation of Exchange Traded Funds (ETPs) composed of primarily equities with smaller allocations to fixed income and alternative asset classes. Downside protection will be provided by absolute and relative exposure models designed to tactically adjust the portfolio allocation of equity vs. fixed income vs. cash to changing market conditions. The maximum allocation to equity in the portfolio declines according to the Glide Path as the target date approaches. | | | 0.6000 |
| ModelxChange | 3D/L Capital Management | 3D/Newfound PrudentPath 2055 | | | | | | | | | | | | | | | | | 1478 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1478 | 0.6000 | 0 | The portfolio is appropriate for an aggressive investor who seeks to maximize equity exposure with the goal of achieving long term capital growth. This Fund is appropriate for an investor with a projected retirement date on or around the year 2055. Portfolio upside potential will be provided by a strategically invested allocation of Exchange Traded Funds (ETPs) composed of primarily equities and alternative asset classes with potentially small allocations to fixed income. Downside protection will be provided by absolute and relative exposure models designed to tactically adjust the portfolio allocation of equity vs. fixed income vs. cash to changing market conditions. The maximum allocation to equity in the portfolio declines according to the Glide Path as the target date approaches. | | | 0.6000 |
| ModelxChange | 7th Harvest Investments | 7th Harvest Income | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 1099 | Short-Term Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1099 | 1.0000 | 0 | The LTWA All Bond Allocation is a diversified asset allocation model investing in bonds through funds. It seeks to provide maximum total return consistent with the risk that conservative investors may be willing to accept.
297 characters The LTWA All Bond Allocation model seeks an efficient combination of asset classes for investors with a conservative risk/return profile, and focuses on investments that are long-term and passive in nature. Through time, as investment markets fluctuate, the model is continually rebalanced back to the target asset allocation mix in an ongoing effort to manage risk at the desired level.
| | | 1.0000 |
| ModelxChange | 7th Harvest Investments | 7th Harvest Target Retirement - 2030 | | | | | | | | | | | | | | | | | 1763 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1763 | 1.0000 | 0 | The 7th Harvest Retirement 2025-2030 is a diversified asset allocation fund investing U.S. and foreign stocks, bonds and cash equivalents through funds and money market accounts. It seeks to provide maximum total return consistent with the risk that a conservative investors may be willing to accept. The 7th Harvest Retirement 2025-2030 fund seeks an efficient combination of asset classes for investors with a conservative risk-return profile, and focuses on underlying investments that are long-term and passive in nature. Through time, as investment markets fluctuate, the model is strategically adjusted to optimize its target allocation and manage risk at a desired level. | | | 1.0000 |
| ModelxChange | 7th Harvest Investments | 7th Harvest Target Retirement - 2040 | | | | | | | | | | | | | | | | | 1764 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1764 | 1.0000 | 0 | The 7th Harvest Retirement 2035-2040 is a diversified asset allocation fund investing U.S. and foreign stocks, bonds and cash equivalents through funds and money market accounts. It seeks to provide maximum total return consistent with the risk that moderate investors may be willing to accept. The allocation seeks an efficient combination of asset classes for investors with a moderate risk-return profile, and focuses on underlying investments that are long-term and passive in nature. Through time, as investment markets fluctuate, the model is strategically adjusted to optimize its target allocation and manage risk at a desired level. | | | 1.0000 |
| ModelxChange | 7th Harvest Investments | 7th Harvest Target Retirement - 2050 | | | | | | | | | | | | | | | | | 3043 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3043 | 1.0000 | 0 | The 7th Harvest Retirement 2045-2050 is a diversified asset allocation fund investing U.S. and foreign stocks, bonds and cash equivalents through funds and money market accounts. It seeks to provide maximum total return consistent with the risk that growth investors may be willing to
accept. The 7th Harvest Retirement 2045-2050 fund seeks an efficient combination of asset classes for investors with a growth risk/return profile, and focuses on underlying investments that are long-term and passive in nature. Through time, as investment markets fluctuate, the model is strategically adjusted to optimize its target allocation and manage risk at a desired level. | | | 1.0000 |
| ModelxChange | 7th Harvest Investments | HarvestBuilder Conservative Allocation | 02/28/2026 12:00:00 AM | 2.2587 | 8.8669 | 8.3522 | 3.2780 | 2.2587 | 8.9825 | 5.8943 | 9.9987 | -15.2142 | 6.2372 | 6.78 | 8.22 | 0.51 | 0.01 | | 909 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL909 | 0.1500 | 0 | The HarvestBuilder Conservative Allocation is a diversified asset allocation fund investing U.S. and foreign stocks, bonds and cash equivalents through funds and money market accounts. It seeks to provide maximum total return consistent with the risk that a conservative investors may be willing to accept. The HarvestBuilder Conservative Allocation fund seeks an efficient combination of asset classes for investors with a conservative risk-return profile, and focuses on underlying investments that are long-term and passive in nature. Through time, as investment markets fluctuate, the model is strategically adjusted to optimize its target allocation and manage risk at a desired level. | | | 0.1810 |
| ModelxChange | 7th Harvest Investments | HarvestBuilder Growth Allocation | 02/28/2026 12:00:00 AM | 4.9012 | 19.4646 | 16.0072 | 8.2154 | 4.9012 | 14.3972 | 14.9424 | 19.0973 | -18.9629 | 16.8483 | 12.87 | 15.19 | 0.85 | 0.37 | | 907 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL907 | 0.1500 | 0 | The HarvestBuilder Growth Allocation is a diversified asset allocation fund investing U.S. and foreign stocks, bonds and cash equivalents through funds and money market accounts. It seeks to provide maximum total return consistent with the risk that growth investors may be willing to
accept. The HarvestBuilder Growth Allocation fund seeks an efficient combination of asset classes for investors with a growth risk/return profile, and focuses on underlying investments that are long-term and passive in nature. Through time, as investment markets fluctuate, the model is strategically adjusted to optimize its target allocation and manage risk at a desired level. | | | 0.1890 |
| ModelxChange | 7th Harvest Investments | HarvestBuilder Moderate Allocation | 02/28/2026 12:00:00 AM | 3.7583 | 13.5148 | 11.4296 | 5.2121 | 3.7583 | 11.4944 | 8.6774 | 14.0252 | -17.7899 | 10.8842 | 9.51 | 11.2 | 0.68 | 0.2 | | 908 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL908 | 0.1500 | 0 | The HarvestBuilder Moderate Allocation is a diversified asset allocation fund investing U.S. and foreign stocks, bonds and cash equivalents through funds and money market accounts. It seeks to provide maximum total return consistent with the risk that moderate investors may be willing to accept. The allocation seeks an efficient combination of asset classes for investors with a moderate risk-return profile, and focuses on underlying investments that are long-term and passive in nature. Through time, as investment markets fluctuate, the model is strategically adjusted to optimize its target allocation and manage risk at a desired level. | | | 0.1825 |
| ModelxChange | ADCM, LLC DBA Willow | Willow Alpha ESG Aggressive Growth | | | | | | | | | | | | | | | | | 9332 | Aggressive Allocation | | 0.5000 | 0 | The Willow ESG Alpha Aggressive Growth model combines Willow’s ESG screening framework with our management teams forward-thinking approach to innovation. The Willow ESG Alpha Aggressive Growth models seek to deliver long-term total return by investing in a number of cost-effective ETFs prioritizing ESG and innovation. The Portfolio Managers are permitted to invest across multiple asset classes and strategies, with up to 100% in equities. While the intention of this fund is to be invested in equities, our risk approach will allow for moments of higher levels of cash or fixed income should economic and/or market conditions call for it. The Willow ESG Alpha Aggressive Growth model is rebalanced on a monthly basis or as needed depending on market conditions. | | | 0.5000 |
| ModelxChange | ADCM, LLC DBA Willow | Willow Alpha ESG Growth | | | | | | | | | | | | | | | | | 9333 | Moderately Aggressive Allocation | | 0.5000 | 0 | The Willow ESG Alpha Growth model combines Willow’s ESG screening framework with our management teams forward-thinking approach to innovation. The Willow ESG Alpha Growth model seeks to deliver long-term total return through investing in several cost-effective ETFs prioritizing ESG and innovation. The Portfolio Managers are permitted to invest across multiple asset classes and strategies, with up to 85% in equities. This model follows a similar approach to our Aggressive Growth model but pares down the risk by capping equity exposure at 85%. Our risk management approach will allow for moments of higher levels of cash or fixed income should economic and/or market conditions call for it. The Willow ESG Alpha Growth model is rebalanced on a monthly basis or as needed depending on market conditions. | | | 0.5000 |
| ModelxChange | ADCM, LLC DBA Willow | Willow ESG Now Balanced | | | | | | | | | | | | | | | | | 9334 | Moderate Allocation | | 0.5000 | 0 | The Willow ESG Now Balanced model combines Willow’s ESG screening framework with our management teams forward thinking approach to innovation. The Willow ESG Now Balanced model seeks to deliver long-term total return through investing in numerous cost-effective ETFs which prioritize ESG and innovation. The Portfolio Managers are permitted to invest across multiple asset classes and strategies, with up to 65% in equities. This model follows a similar approach to our Growth model but pares down the risk by capping equity exposure at 65%. Our risk management approach will allow for moments of higher levels of cash or fixed income should economic and/or market conditions call for it. The Willow ESG Alpha Growth model is rebalanced on a monthly basis or as needed depending on market conditions. | | | 0.5000 |
| ModelxChange | ADCM, LLC DBA Willow | Willow ESG Now Conservative | | | | | | | | | | | | | | | | | 9335 | Conservative Allocation | | 0.5000 | 0 | The Willow ESG Now Conservative model combines Willow’s ESG screening framework with our management teams forward thinking approach to innovation. The Willow ESG Now Conservative models seek to deliver long-term total return and capital preservation by combining a low-turnover approach with several cost-effective ETFs which prioritize ESG and innovation. The Portfolio Managers are permitted to invest across multiple asset classes and strategies, with up to 30% in equities and the rest a mix of cash, fixed income, and alternatives. The Willow ESG Now Conservative model is rebalanced on a monthly basis or as needed depending on market conditions. | | | 0.5000 |
| ModelxChange | Advisory Services & Investments, LLC dba ASI Wealth Management & Consulting Services | ASI 2025 Target Date Model | | | | | | | | | | | | | | | | | 2903 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2903 | 0.0000 | 0 | The objective of the Valentine “2025 Target Date” Model is to provide an annually-reallocating portfolio appropriately allocated for investors who project to retire at or near the year 2025. Assets are gradually redistributed from growth ETFs that capture the returns of the broader equity, real estate and commodities markets to fixed-income securities to smooth returns and reduce volatility as the portfolio approaches its target date. | | | 0.0977 |
| ModelxChange | Advisory Services & Investments, LLC dba ASI Wealth Management & Consulting Services | ASI 2030 Target Date Model | 02/28/2026 12:00:00 AM | 5.1376 | 18.0324 | 14.2489 | 7.8432 | 5.1376 | 14.9107 | 9.7910 | 16.0974 | -16.2495 | 14.2015 | 9.94 | 12.42 | 0.91 | 0.39 | | 2904 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2904 | 0.0000 | 0 | The objective of the Valentine “2030 Target Date” Model is to provide an annually-reallocating portfolio appropriately allocated for investors who project to retire at or near the year 2030. Assets are gradually redistributed from growth ETFs that capture the returns of the broader equity, real estate and commodities markets to fixed-income securities to smooth returns and reduce volatility as the portfolio approaches its target date. | | | 0.0857 |
| ModelxChange | Advisory Services & Investments, LLC dba ASI Wealth Management & Consulting Services | ASI 2040 Target Date Model | 02/28/2026 12:00:00 AM | 5.8323 | 19.8813 | 15.8624 | 9.2574 | 5.8323 | 16.0362 | 11.9418 | 17.3777 | -15.9220 | 16.6194 | 10.38 | 13 | 1.01 | 0.48 | | 2905 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2905 | 0.0000 | 0 | The objective of the Valentine “2040 Target Date” Model is to provide an annually-reallocating portfolio appropriately allocated for investors who project to retire at or near the year 2040. Assets are gradually redistributed from growth ETFs that capture the returns of the broader equity, real estate and commodities markets to fixed-income securities to smooth returns and reduce volatility as the portfolio approaches its target date. | | | 0.0737 |
| ModelxChange | Advisory Services & Investments, LLC dba ASI Wealth Management & Consulting Services | ASI 2050+ Target Date Model | | | | | | | | | | | | | | | | | 2906 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2906 | 0.0000 | 0 | The objective of the Valentine “2050+ Target Date” Model is to provide an annually-reallocating portfolio appropriately allocated for investors who project to retire at, near, or after the year 2020. Assets are gradually redistributed from growth ETFs that capture the returns of the broader equity, real estate and commodities markets to fixed-income securities to smooth returns and reduce volatility as the portfolio approaches its target date. | | | 0.0605 |
| ModelxChange | Advisory Services & Investments, LLC dba ASI Wealth Management & Consulting Services | ASI Aggressive Growth Model | 02/28/2026 12:00:00 AM | 6.5769 | 22.8910 | 18.1913 | 11.4417 | 6.5769 | 18.0268 | 14.7244 | 19.7120 | -15.6537 | 21.3009 | 11.57 | 14.4 | 1.09 | 0.59 | | 303 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL303 | 0.0000 | 0 | The objective of the Valentine 401(k) “Aggressive Growth” Model is to provide for growth of capital by capturing the returns of the broader market. The portfolio is intended for investors with a more aggressive tolerance for risk and a longer time horizon until the funds are needed. Valentine 401(k) Institutional models are designed to offer turnkey, institutional-quality allocations to traditional and alternative asset classes, and implement an index approach intended to reduce active management costs and the correlating drag on investor performance. Utilizing low-cost ETFs, the Model offers low fees and a more sophisticated asset allocation approach to traditional domestic, international and emerging market equity, real estate, and commodities securities.
The Portfolio’s target allocation is typically 100% “growth” funds. The “growth” portfolio seeks to achieve diversification by combining 9 low-cost “growth” ETFs that invest in large cap, small cap, developed foreign, and emerging market equities around the world, plus U.S. REITs and global commodity indexes. Careful attention is paid to searching out instruments that offer total transparency, high liquidity, and low expenses. | | | 0.0507 |
| ModelxChange | Advisory Services & Investments, LLC dba ASI Wealth Management & Consulting Services | ASI Balanced Model | 02/28/2026 12:00:00 AM | 5.2484 | 18.1400 | 14.5003 | 7.9763 | 5.2484 | 14.9321 | 10.2628 | 16.2587 | -16.2632 | 14.2177 | 9.84 | 12.39 | 0.94 | 0.4 | | 305 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL305 | 0.0000 | 0 | The objective of the Valentine 401(k) “Balanced” Model is to provide for growth of capital and modest income. The portfolio is intended for investors with a moderate to conservative risk utility and a moderate time horizon until the funds are needed. Valentine 401(k) Institutional models are designed to offer turnkey, institutional-quality allocations to traditional and alternative asset classes, and implement an index approach intended to reduce active management costs and the correlating drag on investor performance. Utilizing low-cost ETFs, the Model offers low fees and a more sophisticated asset allocation approach to traditional domestic, international and emerging market equity, real estate, commodities, and fixed-income securities.
The Portfolio’s target allocation is typically 60% “growth” funds and 40% fixed income ETFs. The “growth” portfolio seeks to achieve diversification by combining 9 low-cost “growth” ETFs that invest in large cap, small cap, developed foreign, and emerging market equities around the world, plus U.S. REITs and global commodity indexes. The fixed income portion consists of 5 low-cost fixed income ETFs covering U.S. and Foreign bonds, Emerging Market Sovereign Debt, Inflation Protected Securities, and High Yield bonds. Careful attention is paid to searching out instruments that offer total transparency, high liquidity, and low expenses. | | | 0.0857 |
| ModelxChange | Advisory Services & Investments, LLC dba ASI Wealth Management & Consulting Services | ASI Conservative Model | | | | | | | | | | | | | | | | | 307 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL307 | 0.0000 | 0 | The objective of the Valentine 401(k) “Conservative” Model is to provide income with modest growth. The portfolio is intended for investors who are actively drawing on their funds. The Portfolio’s target allocation is typically 40% “growth” funds and 60% fixed income ETFs. The “growth” portfolio seeks to achieve diversification by combining 9 low-cost “growth” ETFs that invest in large cap, small cap, developed foreign, and emerging market equities around the world, plus U.S. REITs and global commodity indexes. The fixed income portion consists of 5 low-cost fixed income ETFs covering U.S. and Foreign bonds, Emerging Market Sovereign Debt, Inflation Protected Securities, and High Yield bonds. Careful attention is paid to searching out instruments that offer total transparency, high liquidity, and low expenses. | | | 0.1098 |
| ModelxChange | Advisory Services & Investments, LLC dba ASI Wealth Management & Consulting Services | ASI Growth Model | 02/28/2026 12:00:00 AM | 5.7973 | 20.4834 | 16.2573 | 9.6973 | 5.7973 | 16.6298 | 12.3577 | 17.8149 | -15.7135 | 17.6209 | 10.58 | 13.27 | 1.03 | 0.5 | | 304 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL304 | 0.0000 | 0 | The objective of the Valentine 401(k) “Growth” Model is to provide for growth of capital by devoting 80% of the Model allocation to capturing the returns of the broader equity, real estate and commodities markets, along with 20% in fixed income to smooth returns over time and reduce volatility. The portfolio is intended for investors with a relatively aggressive tolerance for risk and a longer time horizon until the funds are needed. Valentine 401(k) Institutional models are designed to offer turnkey, institutional-quality allocations to traditional and alternative asset classes, and implement an index approach intended to reduce active management costs and the correlating drag on investor performance. Utilizing low-cost ETFs, the Model offers low fees and a more sophisticated asset allocation approach to traditional domestic, international and emerging market equity, real estate, commodities, and fixed-income securities.
The Portfolio’s target allocation is typically 80% “growth” funds and 20% fixed income ETFs. The “growth” portfolio seeks to achieve diversification by combining 9 low-cost “growth” ETFs that invest in large cap, small cap, foreign developed, and emerging market equities around the world, plus U.S. REITs and global commodity indexes. The fixed income portion consists of 5 low-cost fixed income ETFs covering U.S. and Foreign bonds, Emerging Market Sovereign Debt, Inflation Protected Securities, and High Yield bonds. Careful attention is paid to searching out instruments that offer total transparency, high liquidity, and low expenses. | | | 0.0654 |
| ModelxChange | Advisory Services & Investments, LLC dba ASI Wealth Management & Consulting Services | ASI Preservation Model | | | | | | | | | | | | | | | | | 334 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL334 | 0.0000 | 0 | The objective of the Valentine 401(k) “Preservation” Model is to provide for significant income and modest growth while protecting capital. The portfolio is intended for conservative investors that are actively drawing on their funds. Valentine 401(k) Institutional models are designed to offer turnkey, institutional-quality allocations to traditional and alternative asset classes, and implement an index approach intended to reduce active management costs and the correlating drag on investor performance. Utilizing low-cost ETFs, the Model offers low fees and a more sophisticated asset allocation approach to traditional domestic, international and emerging market equity, real estate, commodities, and fixed-income securities.
The Portfolio’s target allocation is typically 20% “growth” funds and 80% fixed income ETFs. The “growth” portfolio seeks to achieve diversification by combining 9 low-cost “growth” ETFs that invest in large cap, small cap, developed foreign, and emerging market equities around the world, plus U.S. REITs and global commodity indexes. The fixed income portion consists of 5 low-cost fixed income ETFs covering U.S. and Foreign bonds, Emerging Market Sovereign Debt, Inflation Protected Securities, and High Yield bonds. Careful attention is paid to searching out instruments that offer total transparency, high liquidity, and low expenses. | | | 0.1409 |
| ModelxChange | Advisory Services & Investments, LLC dba ASI Wealth Management & Consulting Services | ASI Target Retirement Model | | | | | | | | | | | | | | | | | 2898 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2898 | 0.0000 | 0 | The objective of the Valentine “2020 Target Date” Model is to provide an annually-reallocating portfolio appropriately allocated for investors who project to retire at or near the year 2020. Assets are gradually redistributed from growth ETFs that capture the returns of the broader equity, real estate and commodities markets to fixed-income securities to smooth returns and reduce volatility as the portfolio approaches its target date. | | | 0.0781 |
| ModelxChange | Algorithmic Investment Models, LLC | AIM Decathlon Core Conservative | | | | | | | | | | | | | | | | | 409 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL409 | 0.3200 | 0 | AIM Decathlon Core is a suite of global, go-anywhere products driven by a proprietary machine learning approach that helps eliminate emotion from decision-making and aims to deliver consistent returns within targeted volatility ranges. Available in three risk levels (Growth, Moderate and Conservative), the strategies seek profit opportunities wherever they may be and help preserve capital by managing volatility and timely equity exposure. AIM Decathlon Core Conservative has an expected volatility range of 4-7% and expected equity exposure of 0-30%. Under normal market conditions, the expected asset allocation is 20% Equity / 80% Fixed Income. AIM Decathlon Core is a suite of global, go-anywhere products driven by a proprietary machine learning approach that helps eliminate emotion from decision-making and aims to deliver consistent returns within targeted volatility ranges. We see financial markets as a dynamic ecosystem where new patterns constantly emerge. We combine human intelligence and AI to create powerful investment strategies designed to uncover opportunities others miss.
Available in three risk levels (Growth, Moderate and Conservative), the strategies seek profit opportunities wherever they may be and help preserve capital by managing volatility and timely equity exposure. AIM Decathlon Core Conservative has an expected volatility range of 4-7% and expected equity exposure of 0-30%. Under normal market conditions, the expected asset allocation is 20% Equity / 80% Fixed Income.
The Decathlon strategies’ universe was Decathlon’s algorithms are designed to identify daily performance and behavior patterns for each ETF in the investment pool. The system then uses the predicted patterns to rank each ETF in the investment universe daily, from the most desirable to the least, based on the risk/reward expected. Our portfolio managers apply the rankings to select which of these top-ranked ETFs should be included in the portfolio. Our diverse, ensemble approach combines multiple models, designed to enhance decision-making and accuracy. The portfolio will hold 10 ETFs at a time in 10% equal weights.
Using varying target ranges for volatility and optimizing the strategies for risk-appropriate equity exposure, investors can select their desired level of risk. As asset allocation strategies with targeted equity ranges, Decathlon can be used as a core holding in a portfolio, or it can be a 25-30% wedge used to diversify holdings and adjust equity exposure based on market conditions.
| | | 0.5980 |
| ModelxChange | Algorithmic Investment Models, LLC | AIM Decathlon Core Growth | | | | | | | | | | | | | | | | | 411 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL411 | 0.3200 | 0 | AIM Decathlon Core is a suite of global, go-anywhere products driven by a proprietary machine learning approach that helps eliminate emotion from decision-making and aims to deliver consistent returns within targeted volatility ranges. Available in three risk levels (Growth, Moderate and Conservative), the strategies seek profit opportunities wherever they may be and help preserve capital by managing volatility and timely equity exposure. AIM Decathlon Core Growth has an expected volatility range of 11-16% and expected equity exposure of 50-100%. Under normal market conditions, the expected asset allocation is 70% Equity / 30% Fixed Income. AIM Decathlon Core is a suite of global, go-anywhere products driven by a proprietary machine learning approach that helps eliminate emotion from decision-making and aims to deliver consistent returns within targeted volatility ranges. We see financial markets as a dynamic ecosystem where new patterns constantly emerge. We combine human intelligence and AI to create powerful investment strategies designed to uncover opportunities others miss.
Available in three risk levels (Growth, Moderate and Conservative), the strategies seek profit opportunities wherever they may be and help preserve capital by managing volatility and timely equity exposure. AIM Decathlon Core Growth has an expected volatility range of 11-16% and expected equity exposure of 50-100%. Under normal market conditions, the expected asset allocation is 70% Equity / 30% Fixed Income.
The Decathlon strategies’ universe was Decathlon’s algorithms are designed to identify daily performance and behavior patterns for each ETF in the investment pool. The system then uses the predicted patterns to rank each ETF in the investment universe daily, from the most desirable to the least, based on the risk/reward expected. Our portfolio managers apply the rankings to select which of these top-ranked ETFs should be included in the portfolio. Our diverse, ensemble approach combines multiple models, designed to enhance decision-making and accuracy. The portfolio will hold 10 ETFs at a time in 10% equal weights.
| | | 0.6900 |
| ModelxChange | Algorithmic Investment Models, LLC | AIM Decathlon Core Moderate | | | | | | | | | | | | | | | | | 410 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL410 | 0.3200 | 0 | AIM Decathlon Core is a suite of global, go-anywhere products driven by a proprietary machine learning approach that helps eliminate emotion from decision-making and aims to deliver consistent returns within targeted volatility ranges. Available in three risk levels (Growth, Moderate and Conservative), the strategies seek profit opportunities wherever they may be and help preserve capital by managing volatility and timely equity exposure. AIM Decathlon Core Moderate has an expected volatility range of 7-12% and expected equity exposure of 30-50%. Under normal market conditions, the expected asset allocation is 50% Equity / 50% Fixed Income. AIM Decathlon Core is a suite of global, go-anywhere products driven by a proprietary machine learning approach that helps eliminate emotion from decision-making and aims to deliver consistent returns within targeted volatility ranges. We see financial markets as a dynamic ecosystem where new patterns constantly emerge. We combine human intelligence and AI to create powerful investment strategies designed to uncover opportunities others miss.
Available in three risk levels (Growth, Moderate and Conservative), the strategies seek profit opportunities wherever they may be and help preserve capital by managing volatility and timely equity exposure. AIM Decathlon Core Moderate has an expected volatility range of 7-12% and expected equity exposure of 30-50%. Under normal market conditions, the expected asset allocation is 50% Equity / 50% Fixed Income.
The Decathlon strategies’ universe was Decathlon’s algorithms are designed to identify daily performance and behavior patterns for each ETF in the investment pool. The system then uses the predicted patterns to rank each ETF in the investment universe daily, from the most desirable to the least, based on the risk/reward expected. Our portfolio managers apply the rankings to select which of these top-ranked ETFs should be included in the portfolio. Our diverse, ensemble approach combines multiple models, designed to enhance decision-making and accuracy. The portfolio will hold 10 ETFs at a time in 10% equal weights.
Using varying target ranges for volatility and optimizing the strategies for risk-appropriate equity exposure, investors can select their desired level of risk. As asset allocation strategies with targeted equity ranges, Decathlon can be used as a core holding in a portfolio, or it can be a 25-30% wedge used to diversify holdings and adjust equity exposure based on market conditions. | | | 0.6400 |
| ModelxChange | Algorithmic Investment Models, LLC | BCM Diversified Equity | 02/28/2026 12:00:00 AM | 7.4332 | 16.9905 | 16.8249 | 9.5122 | 7.4332 | 11.5640 | 13.7752 | 17.6344 | -16.6128 | 19.6006 | 11 | 11.96 | 1.04 | 0.53 | | 81 | Large Growth | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL81 | 0.5000 | 0 | BCM Diversified Equity is a tactical, global equity strategy that is designed for investors who are seeking growth and reduced volatility and downside risk.
The strategy’s target allocation is 70% U.S. Core Equity, 15% international Equity, and 15% Global Macro. The strategy seeks to meet or beat the S&P 500® Index over a full market cycle, including both a bull and a bear market, and is intended to complement or replace a buy and hold equity strategy.
Investors should expect ordinary stock market movement, but the strategy will seek to avoid large drawdowns when markets enter longer or more severe periods of duress. In an extended bull market, the strategy will likely lag the benchmark at times. The strategy is designed to provide growth and seeks to protect against large market losses. The strategy’s target allocation is 70% U.S. Core Equity (BCM U.S. Sector Rotation), 15% International Equity, and 15% Global Macro.
The U.S. Core Equity allocation primarily invests in the 11 sectors of the S&P 500® using a proprietary, quantitively driven approach. The International Equity allocation is typically comprised of 50% developed international and 50% emerging market ETFs. The Global Macro allocation is fundamentally managed based on long term views of the global economy and can invest in most asset classes, geographies, industries or themes. The strategy has the ability to trade as frequently as weekly and all allocations can be allocated 100% to high quality, short duration bond ETFs if conditions warrant. The Sector strategies use long-only ETFs avoiding leverage, shorting, margin and other complicating factors.
Please visit algomodels.com to view AIM's disclosure documents and additional information about AIM and its offerings. You can call AIM's Regional Consultants at (844) 401-7699.
| | | 0.6490 |
| ModelxChange | Algorithmic Investment Models, LLC | BCM DynamicBelay Aggressive Growth (QDIA) | 02/28/2026 12:00:00 AM | 6.4014 | 18.6394 | 15.7686 | 8.7270 | 6.4014 | 13.6944 | 12.5864 | 16.7709 | -17.4199 | 19.5521 | 11.2 | 12.77 | 0.94 | 0.45 | | 1830 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1830 | 0.5000 | 0 | The BCM DynamicBelay QDIAs use rules-based processes that seek to participate in most market environments to achieve desired growth; and when necessary, can allocate to high quality, short duration bond ETFs in portions of both the equity and fixed income exposure in severe market downturns seeking to provide protection against large losses. Protection of principal requires more risk management than basic asset allocation and glide path construction, as during bear markets, the majority of asset classes tend to go down.
The strategy employs both tactical and strategic allocations and is intended to be a qualified default investment alternative (QDIA) for retirement plans. It is designed for participants who are seeking aggressive growth and wish to reduce volatility and downside risk.
The BCM DynamicBelay® Aggressive Growth QDIA is constructed using a combination of tactical and strategic allocations and is designed to be a Qualified Default Investment Alternative (QDIA).
The portfolio has an overall allocation of 95% Equity and 5% Fixed Income.
55% of the strategy is invested in the U.S. Core Equity Allocation, a tactical, momentum-based sector rotation process that analyzes and invests in ETFs representing the 11 sectors of the S&P 500® Index. Focusing on smoothing the ride for investors, this portion of the strategy will seek to own, in equal weights, those sectors that show positive momentum and sell or exclude those showing negative momentum. The allocation has the ability to remove individual sector ETFs that are struggling despite an overall bull market. If fewer than four sectors are owned, the allocation begins to get defensive by allocating to high quality, short duration bond ETFs and can go 100% to this defensive positioning if conditions warrant.
The remaining 45% of the portfolio is strategically allocated 40% to broad-based global large-, mid- and small-cap equity ETFs and 5% to a broad fixed income ETF. The strategic allocations are static and will remain invested in the specified allocations to help achieve overall portfolio objectives with the exception of periodic rebalancing.
All BCM strategies use long-only ETFs avoiding leverage, shorting, margin and other complicating factors. The portfolio manager maintains full discretion over the portfolio. | | | 0.5718 |
| ModelxChange | Algorithmic Investment Models, LLC | BCM DynamicBelay Balanced Growth (QDIA) | 02/28/2026 12:00:00 AM | 3.4448 | 9.6387 | 9.9535 | 4.8195 | 3.4448 | 8.4205 | 8.0855 | 10.1535 | -13.0356 | 9.3204 | 6.31 | 7.17 | 0.78 | 0.21 | | 1844 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1844 | 0.5000 | 0 | The BCM DynamicBelay QDIAs use rules-based processes that seek to participate in most market environments to achieve desired growth; and when necessary, can allocate to high quality, short duration bond ETFs in portions of both the equity and fixed income exposure in severe market downturns seeking to provide protection against large losses. Protection of principal requires more risk management than basic asset allocation and glide path construction, as during bear markets, the majority of asset classes tend to go down.
The strategy employs both tactical and strategic allocations and is intended to be a qualified default investment alternative (QDIA) for retirement plans. It is designed for participants who are seeking balanced growth and are seeking the ability to reduce volatility and downside risk.
The BCM DynamicBelay® Balanced Growth QDIA is constructed using a combination of tactical and strategic allocations and is designed to be a Qualified Default Investment Alternative (QDIA). The portfolio has an overall allocation of 50% Equity and 50% Fixed Income.
43% of the strategy is invested in the U.S. Core Equity Allocation, a tactical, momentum-based sector rotation process that analyzes and invests in ETFs representing the 11 sectors of the S&P 500® Index. This portion of the strategy will seek to own, in equal weights, those sectors that show positive momentum and sell or exclude those showing negative momentum. The allocation has the ability to remove individual sector ETFs that are struggling despite an overall bull market. If fewer than four sectors are owned, the allocation begins to get defensive by allocating to high quality, short duration bond ETFs and can go 100% to this defensive positionin if conditions warrant.
47% of the portfolio is managed using a tactical, fundamentally driven fixed income process that invests in a combination of high quality fixed income, high yield fixed income and equity income ETFs. This allocation is designed to help reduce overall portfolio volatility and has the ability to invest 100% in ultra-short-term bond ETFs and/or cash if bonds enter a bear market.
The remaining 10% of the portfolio is strategically allocated to a broad fixed income ETF. The strategic allocations are static and will remain invested in the specified allocations to help achieve overall portfolio objectives with the exception of periodic rebalancing.
*If the tactical equity portion of the portfolio moves to an all cash substitute position, a 5% position in a broad U.S. equity ETF will be purchased to comply with QDIA minimum equity exposure requirements. | | | 0.6485 |
| ModelxChange | Algorithmic Investment Models, LLC | BCM DynamicBelay Conservative Growth (QDIA) | 02/28/2026 12:00:00 AM | 4.0213 | 11.5918 | 11.1886 | 5.7682 | 4.0213 | 9.6736 | 8.9763 | 11.6221 | -14.0560 | 12.3752 | 7.41 | 8.43 | 0.82 | 0.3 | | 1843 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1843 | 0.5000 | 0 | The BCM DynamicBelay QDIAs use rules-based processes that seek to participate in most market environments to achieve desired growth; and when necessary, can allocate to high quality, short duration bond ETFs in portions of both the equity and fixed income exposure in severe market downturns seeking to provide protection against large losses. Protection of principal requires more risk management than basic asset allocation and glide path construction, as during bear markets, the majority of asset classes tend to go down.
The strategy employs both tactical and strategic allocations and is intended to be a qualified default investment alternative (QDIA) for retirement plans. It is designed for participants who are seeking conservative growth and wish to reduce volatility and downside risk.
The BCM DynamicBelay® Conservative Growth QDIA is constructed using a combination of tactical and strategic allocations and is designed to be a Qualified Default Investment Alternative (QDIA).
The portfolio has an overall allocation of 60% Equity and 40% Fixed Income.
45% of the strategy is invested in the U.S. Core Equity Allocation, a tactical, momentum-based sector rotation process that analyzes and invests in ETFs representing the 11 sectors of the S&P 500® Index. Focusing on smoothing the ride for investors, this portion of the strategy will seek to own, in equal weights, those sectors that show positive momentum and sell or exclude those showing negative momentum. The allocation has the ability to remove individual sector ETFs that are struggling despite an overall bull market. If fewer than four sectors are owned, the allocation begins to get defensive by allocating to high quality, short duration bond ETFs and can go 100% to this defensive positioning if conditions warrant.
35% of the portfolio is managed using a tactical, fundamentally driven fixed income process that invests in a combination of high quality fixed income, high yield fixed income and equity income ETFs. This allocation is designed to help reduce overall portfolio volatility and has the ability to invest 100% in ultra-short-term bond ETFs and/or cash substitute if bonds enter a bear market.
The remaining 20% of the portfolio is strategically allocated 10% to broad-based global large-, mid- and small-cap equity ETFs and 10% to a broad fixed income ETF. The strategic allocations are static and will remain invested in the specified allocations to help achieve overall portfolio objectives with the exception of periodic rebalancing.
All BCM strategies use long-only ETFs avoiding leverage, shorting, margin and other complicating factors. The portfolio manager maintains full discretion over the portfolio.
| | | 0.6281 |
| ModelxChange | Algorithmic Investment Models, LLC | BCM DynamicBelay Growth (QDIA) | 02/28/2026 12:00:00 AM | 5.6622 | 16.5393 | 14.2104 | 7.7577 | 5.6622 | 12.4304 | 11.4261 | 14.7480 | -16.6405 | 17.8532 | 9.96 | 11.38 | 0.91 | 0.41 | | 1831 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1831 | 0.5000 | 0 | The BCM DynamicBelay QDIAs use rules-based processes that seek to participate in most market environments to achieve desired growth; and when necessary, can allocate to short term, high quality bond ETFs in portions of both the equity and fixed income exposure in severe market downturns seeking to provide protection against large losses. Protection of principal requires more risk management than basic asset allocation and glide path construction, as during bear markets, the majority of asset classes tend to go down.
The strategy employs both tactical and strategic allocations and is intended to be a qualified default investment alternative (QDIA) for retirement plans. It is designed for participants who are seeking growth and wish to reduce volatility and downside risk.
The BCM DynamicBelay® Growth QDIA is constructed using a combination of tactical and strategic allocations and is designed to be a Qualified Default Investment Alternative (QDIA).
The portfolio has an overall allocation of 85% Equity and 15% Fixed Income.
53% of the strategy is invested in the U.S. Core Equity Allocation, a tactical, momentum-based sector rotation process that analyzes and invests in ETFs representing the 11 sectors of the S&P 500® Index. Focusing on smoothing the ride for investors, this portion of the strategy will seek to own, in equal weights, those sectors that show positive momentum and sell or exclude those showing negative momentum. The allocation has the ability to remove individual sector ETFs that are struggling despite an overall bull market. If fewer than four sectors are owned, the allocation begins to get defensive by allocating to high quality, short duration bond ETFs and can go 100% to this defensive positioning if conditions warrant.
12% of the portfolio is managed using a tactical, fundamentally driven fixed income process that invests in a combination of high quality fixed income, high yield fixed income and equity income ETFs. This allocation is designed to help reduce overall portfolio volatility and has the ability to invest 100% in ultra-short-term bond ETFs and/or cash substitute if bonds enter a bear market.
The remaining 35% of the portfolio is strategically allocated 30% to broad-based global large-, mid- and small-cap equity ETFs and 5% to a broad fixed income ETF. The strategic allocations are static and will remain invested in the specified allocations to help achieve overall portfolio objectives with the exception of periodic rebalancing.
All BCM strategies use long-only ETFs avoiding leverage, shorting, margin and other complicating factors. The portfolio manager maintains full discretion over the portfolio.
| | | 0.5920 |
| ModelxChange | Algorithmic Investment Models, LLC | BCM DynamicBelay Moderate Growth (QDIA) | 02/28/2026 12:00:00 AM | 4.7704 | 13.6893 | 12.3018 | 6.4993 | 4.7704 | 10.7476 | 9.5931 | 12.9948 | -14.8718 | 13.9849 | 8.36 | 9.55 | 0.86 | 0.34 | | 1832 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1832 | 0.5000 | 0 | The BCM DynamicBelay QDIAs use rules-based processes that seek to participate in most market environments to achieve desired growth; and when necessary, can allocate to high quality, short duration bond ETFs in portions of both the equity and fixed income exposure in severe market downturns seeking to provide protection against large losses. Protection of principal requires more risk management than basic asset allocation and glide path construction, as during bear markets, the majority of asset classes tend to go down.
The strategy employs both tactical and strategic allocations and is intended to be a qualified default investment alternative (QDIA) for retirement plans. It is designed for participants who are seeking moderate growth and wish to reduce volatility and downside risk.
The BCM DynamicBelay® Moderate Growth QDIA is constructed using a combination of tactical and strategic allocations and is designed to be a Qualified Default Investment Alternative (QDIA).
The portfolio has an overall allocation of 70% Equity and 30% Fixed Income.
46% of the strategy is invested in the U.S. Core Equity Allocation, a tactical, momentum-based sector rotation process that analyzes and invests in ETFs representing the 11 sectors of the S&P 500® Index. Focusing on smoothing the ride for investors, this portion of the strategy will seek to own, in equal weights, those sectors that show positive momentum and sell or exclude those showing negative momentum. The allocation has the ability to remove individual sector ETFs that are struggling despite an overall bull market. If fewer than four sectors are owned, the allocation begins to get defensive by allocating to high quality, short duration bond ETFs and can go 100% to this defensive positioning if conditions warrant.
29% of the portfolio is managed using a tactical, fundamentally driven fixed income process that invests in a combination of high quality fixed income, high yield fixed income and equity income ETFs. This allocation is designed to help reduce overall portfolio volatility and has the ability to invest 100% in ultra-short-term bond ETFs and/or cash substitute if bonds enter a bear market.
The remaining 25% of the portfolio is strategically allocated: 20% to broad-based global large-, mid- and small-cap equity ETFs and 5% to a broad fixed income ETF. The strategic allocations are static and will remain invested in the specified allocations to help achieve overall portfolio objectives with the exception of periodic rebalancing.
All BCM strategies use long-only ETFs avoiding leverage, shorting, margin and other complicating factors. The portfolio manager maintains full discretion over the portfolio.
| | | 0.6195 |
| ModelxChange | Algorithmic Investment Models, LLC | BCM Growth | 02/28/2026 12:00:00 AM | 6.1952 | 15.2019 | 14.7567 | 8.1717 | 6.1952 | 11.0788 | 11.5543 | 15.5768 | -14.7155 | 15.3472 | 9.29 | 10.19 | 1.02 | 0.48 | | 82 | Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL82 | 0.5000 | 0 | BCM Growth is a tactical, asset allocation equity strategy that is designed for investors who are seeking growth and reduced volatility and downside risk.
The strategy’s target allocation is 55% U.S. Core Equity, 13% international Equity, 12% Global Macro, and 20% High Quality Fixed Income. The strategy seeks to meet or beat an 80% S&P 500® Index/20% Bloomberg U.S. Aggregate Bond Index benchmark over a full market cycle, including both a bull and a bear market, and is intended to complement or replace a buy and hold equity strategy.
Investors should expect ordinary stock and bond market movement, but the strategy will seek to avoid large drawdowns when markets enter longer or more severe periods of duress. In an extended bull market, the strategy will likely lag the benchmark at times. The strategy is designed to provide growth and seeks to protect against large market losses.
BCM Growth has a target allocation of 55% U.S. Core Equity, 13% International Equity, 12% Global Macro and 20% High Quality Fixed Income.
The U.S. Core Equity allocation primarily invests in the 11 sectors of the S&P 500® using a proprietary, quantitively driven approach. The International Equity allocation is typically comprised of 50% developed international and 50% emerging market ETFs. The Global Macro allocation is fundamentally managed based on long term views of the global economy and can invest in most asset classes, geographies, industries or themes. The High-Quality Fixed Income allocation typically focuses on managing duration and is designed to reduce the overall volatility of the portfolio, typically holding investment grade or government-backed bond ETFs. The strategy has the ability to trade as frequently as weekly and all allocations can be allocated 100% to high quality, short duration bond ETFs if conditions warrant. The Sector strategies use long-only ETFs avoiding leverage, shorting, margin and other complicating factors.
Please visit algomodels.com to view AIM's disclosure documents and additional information about AIM and its offerings. You can call AIM's Regional Consultants at (844) 401-7699.
| | | 0.6684 |
| ModelxChange | Algorithmic Investment Models, LLC | BCM Moderate Growth | 02/28/2026 12:00:00 AM | 5.2653 | 13.0748 | 12.9737 | 6.7587 | 5.2653 | 9.8817 | 10.3621 | 13.5643 | -13.9950 | 11.7470 | 8.13 | 8.98 | 0.96 | 0.39 | | 83 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL83 | 0.5000 | 0 | BCM Moderate Growth is a tactical, asset allocation equity strategy that is designed for investors who are seeking growth and reduced volatility and downside risk.
The strategy’s target allocation is 45% U.S. Core Equity, 10% international Equity, 10% Global Macro, and 35% High Quality Fixed Income. The strategy seeks to meet or beat an 65% S&P 500® Index/35% Bloomberg U.S. Aggregate Bond Index benchmark over a full market cycle, including both a bull and a bear market, and is intended to complement or replace a buy and hold equity strategy.
Investors should expect ordinary stock and bond market movement, but the strategy will seek to avoid large drawdowns when markets enter longer or more severe periods of duress. In an extended bull market, the strategy will likely lag the benchmark at times. The strategy is designed to provide growth and seeks to protect against large market losses.
The portfolio has a target allocation of 45% U.S. Core Equity, 10% International Equity, 10% Global Macro and 35% High Quality Fixed Income.
The U.S. Core Equity allocation primarily invests in the 11 sectors of the S&P 500® using a proprietary, quantitively driven approach. The International Equity allocation is typically comprised of 50% developed international and 50% emerging market ETFs. The Global Macro allocation is fundamentally managed based on long term views of the global economy and can invest in most asset classes, geographies, industries or themes. The High-Quality Fixed Income allocation typically focuses on managing duration and is designed to reduce the overall volatility of the portfolio, typically holding investment grade or government-backed bond ETFs. The strategy has the ability to trade as frequently as weekly and all allocations can be allocated 100% to high quality, short duration bond ETFs if conditions warrant. The Sector strategies use long-only ETFs avoiding leverage, shorting, margin and other complicating factors.
Please visit algomodels.com to view AIM's disclosure documents and additional information about AIM and its offerings. You can call AIM's Regional Consultants at (844) 401-7699.
| | | 0.6819 |
| ModelxChange | Algorithmic Investment Models, LLC | BCM U.S. Sector Rotation | 02/28/2026 12:00:00 AM | 6.8121 | 13.3618 | 16.1988 | 9.8219 | 6.8121 | 9.1956 | 14.8610 | 17.1889 | -17.0945 | 24.6785 | 11.56 | 12.57 | 0.95 | 0.53 | | 84 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL84 | 0.5000 | 0 | BCM U.S. Sector Rotation is a tactical, U.S. equity sector rotation strategy that is designed for investors who are seeking growth and reduced volatility and downside risk.
The strategy seeks to meet or beat the S&P 500® Index over a full market cycle, including both a bull and a bear market, and is intended to complement or replace a buy and hold equity strategy.
Investors should expect ordinary stock market movement, but the strategy will seek to avoid large drawdowns when markets enter longer or more severe periods of duress. In an extended bull market, the strategy will likely lag the benchmark at times. The strategy is designed to provide growth and seeks to protect against large market losses.
The U.S. Sector Rotation strategy primarily invests in the 11 sectors of the S&P 500® using a proprietary, quantitively driven approach. The strategy has the ability to trade as frequently as weekly and can be allocated 100% to high quality, short duration bond ETFs if conditions warrant. The Sector strategies use long-only ETFs avoiding leverage, shorting, margin and other complicating factors.
Please visit algomodels.com to view AIM's disclosure documents and additional information about AIM and its offerings. You can call AIM's Regional Consultants at (844) 401-7699.
| | | 0.5804 |
| ModelxChange | American Portfolios Advisors, Inc. | Nine Points ETF Aggressive | | | | | | | | | | | | | | | | | 9642 | Aggressive Allocation | | 0.0000 | 0 | The model is intended for investors with an aggressive risk tolerance. It is a diversified portfolio built on the principles of Modern Portfolio Theory and has a target allocation of 86% equity, 4% bonds and 10% alternatives. It will be reallocated quarterly on a tactical basis to take advantage of market opportunities. The model invests in US and foreign stocks and bonds using ETFs to gain exposure. | | | 0.0000 |
| ModelxChange | American Portfolios Advisors, Inc. | Nine Points ETF Equity | | | | | | | | | | | | | | | | | 9946 | Tactical Allocation | | 0.0000 | 0 | The model is intended for investors with an aggressive risk tolerance. It is a diversified portfolio built on the principles of Modern Portfolio Theory and has a target allocation of 100% equity. It will be reallocated quarterly on a tactical basis to take advantage of market opportunities. The model invests in US and foreign stocks and bonds using ETFs to gain exposure. | | | 0.0000 |
| ModelxChange | American Portfolios Advisors, Inc. | Nine Points ETF Growth | | | | | | | | | | | | | | | | | 9945 | Moderately Aggressive Allocation | | 0.0000 | 0 | The model is intended for investors with an aggressive risk tolerance. It is a diversified portfolio built on the principles of Modern Portfolio Theory and has a target allocation of 72% equity, 18% bonds and 10% alternatives. It will be reallocated quarterly on a tactical basis to take advantage of market opportunities. The model invests in US and foreign stocks and bonds using ETFs to gain exposure. | | | 0.0000 |
| ModelxChange | American Portfolios Advisors, Inc. | Nine Points Fixed Income | | | | | | | | | | | | | | | | | 9950 | Global Bond | | 0.0000 | 0 | The model is intended for investors with an aggressive risk tolerance. It is a diversified portfolio built on the principles of Modern Portfolio Theory and has a target allocation of 100% bonds. It will be reallocated quarterly on a tactical basis to take advantage of market opportunities. The model invests in US and foreign stocks and bonds using ETFs to gain exposure. | | | 0.0000 |
| ModelxChange | American Portfolios Advisors, Inc. | Nine Points Growth & Income | | | | | | | | | | | | | | | | | 9947 | Moderate Allocation | | 0.0000 | 0 | The model is intended for investors with an aggressive risk tolerance. It is a diversified portfolio built on the principles of Modern Portfolio Theory and has a target allocation of 54% equity, 36% bonds and 10% alternatives. It will be reallocated quarterly on a tactical basis to take advantage of market opportunities. The model invests in US and foreign stocks and bonds using ETFs to gain exposure. | | | 0.0000 |
| ModelxChange | American Portfolios Advisors, Inc. | Nine Points Income | | | | | | | | | | | | | | | | | 9949 | Conservative Allocation | | 0.0000 | 0 | The model is intended for investors with an aggressive risk tolerance. It is a diversified portfolio built on the principles of Modern Portfolio Theory and has a target allocation of 18% equity, 72% bonds and 10% alternatives. It will be reallocated quarterly on a tactical basis to take advantage of market opportunities. The model invests in US and foreign stocks and bonds using ETFs to gain exposure. | | | 0.0000 |
| ModelxChange | American Portfolios Advisors, Inc. | Nine Points Income & Growth | | | | | | | | | | | | | | | | | 9948 | Moderately Conservative Allocation | | 0.0000 | 0 | The model is intended for investors with an aggressive risk tolerance. It is a diversified portfolio built on the principles of Modern Portfolio Theory and has a target allocation of 36% equity, 54% bonds and 10% alternatives. It will be reallocated quarterly on a tactical basis to take advantage of market opportunities. The model invests in US and foreign stocks and bonds using ETFs to gain exposure. | | | 0.0000 |
| ModelxChange | American Trust Company | AT 20/80 Target Allocation Model | 02/28/2026 12:00:00 AM | 2.1987 | 9.8826 | 9.5845 | 5.2553 | 2.1987 | 10.1007 | 8.0575 | 10.1049 | -9.7237 | 7.3928 | 4.97 | 6.51 | 0.9 | 0.29 | | 9393 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9393 | 0.2000 | 0 | The investment seeks to achieve as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Effective February 23, 2026, the model name will be changed to AT 20/80 Target Allocation. The investment strategy will be updated to reflect a strategic target allocation that consists of 20% in equity funds and 80% in fixed income and cash equivalent funds. The investment combines multiple underlying funds representing more than one asset class. The AT Models are a series of asset allocation models that range from Conservative (20/80) to Aggressive (95/5) and are subject to the strategic asset allocation identified by American Trust. The model assets are invested in a diversified manner at both an asset class level as well as at the underlying fund level. The Target Allocation for each asset class will not change except in the event of extraordinary capital market conditions or significant changes to the capital market forecasts used to determine the model’s asset allocation. The strategic target allocation is 20% in equity funds and 80% fixed income and cash equivalent (including stable value) funds. | | | 0.3466 |
| ModelxChange | American Trust Company | AT 40/60 Target Allocation Model | 02/28/2026 12:00:00 AM | 2.4072 | 11.6761 | 11.5768 | 6.6168 | 2.4072 | 11.6409 | 10.0791 | 12.7353 | -11.2319 | 10.5288 | 6.16 | 8.06 | 1.03 | 0.41 | | 9394 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9394 | 0.2000 | 0 | The investment seeks to achieve as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Effective February 23, 2026, the model name will be changed to AT 40/60 Target Allocation. The investment strategy will be updated to reflect a strategic target allocation that consists of 40% in equity funds and 60% in fixed income and cash equivalent funds. The investment combines multiple underlying funds representing more than one asset class. The AT Models are a series of asset allocation models that range from Conservative (20/80) to Aggressive (95/5) and are subject to the strategic asset allocation identified by American Trust. The model assets are invested in a diversified manner at both an asset class level as well as at the underlying fund level. The Target Allocation for each asset class will not change except in the event of extraordinary capital market conditions or significant changes to the capital market forecasts used to determine the model’s asset allocation. The strategic target allocation is 40% in equity funds and 60% fixed income and cash equivalent (including stable value) funds. | | | 0.3443 |
| ModelxChange | American Trust Company | AT 60/40 Target Allocation Model | 02/28/2026 12:00:00 AM | 2.4922 | 13.3015 | 13.2314 | 7.6885 | 2.4922 | 13.0311 | 12.0292 | 14.7091 | -13.0307 | 13.6566 | 7.48 | 9.73 | 1.06 | 0.45 | | 9395 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9395 | 0.2000 | 0 | The investment seeks to achieve as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Effective February 23, 2026, the model name will be changed to AT 60/40 Target Allocation. The investment strategy will be updated to reflect a strategic target allocation that consists of 60% in equity funds and 40% in fixed income and cash equivalent funds. The investment combines multiple underlying funds representing more than one asset class. The AT Models are a series of asset allocation models that range from Conservative (20/80) to Aggressive (95/5) and are subject to the strategic asset allocation identified by American Trust. The model assets are invested in a diversified manner at both an asset class level as well as at the underlying fund level. The Target Allocation for each asset class will not change except in the event of extraordinary capital market conditions or significant changes to the capital market forecasts used to determine the model’s asset allocation. The strategic target allocation is 60% in equity funds and 40% fixed income and cash equivalent (including stable value) funds. | | | 0.3351 |
| ModelxChange | American Trust Company | AT 80/20 Target Allocation Model | 02/28/2026 12:00:00 AM | 2.8106 | 15.1584 | 15.3072 | 9.0035 | 2.8106 | 14.5316 | 14.3027 | 17.3138 | -14.7693 | 16.7861 | 8.81 | 11.41 | 1.12 | 0.51 | | 9396 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9396 | 0.2000 | 0 | The investment seeks to achieve as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Effective February 23, 2026, the model name will be changed to AT 80/20 Target Allocation. The investment strategy will be updated to reflect a strategic target allocation that consists of 80% in equity funds and 20% in fixed income and cash equivalent funds. The investment combines multiple underlying funds representing more than one asset class. The AT Models are a series of asset allocation models that range from Conservative (20/80) to Aggressive (95/5) and are subject to the strategic asset allocation identified by American Trust. The model assets are invested in a diversified manner at both an asset class level as well as at the underlying fund level. The Target Allocation for each asset class will not change except in the event of extraordinary capital market conditions or significant changes to the capital market forecasts used to determine the model’s asset allocation. The strategic target allocation is 80% in equity funds and 20% fixed income and cash equivalent (including stable value) funds. | | | 0.3328 |
| ModelxChange | American Trust Company | AT 95/5 Target Allocation Model | 02/28/2026 12:00:00 AM | 3.1144 | 17.1732 | 17.1146 | 10.0127 | 3.1144 | 16.1364 | 15.9868 | 19.5508 | -17.0416 | 20.1140 | 10.13 | 13.14 | 1.14 | 0.53 | | 9397 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9397 | 0.2000 | 0 | The investment seeks to achieve as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Effective February 23, 2026, the model name will be changed to AT 95/5 Target Allocation. The investment strategy will be updated to reflect a strategic target allocation that consists of 95% in equity funds and 5% in fixed income and cash equivalent funds. The investment combines multiple underlying funds representing more than one asset class. The AT Models are a series of asset allocation models that range from Conservative (20/80) to Aggressive (95/5) and are subject to the strategic asset allocation identified by American Trust. The model assets are invested in a diversified manner at both an asset class level as well as at the underlying fund level. The Target Allocation for each asset class will not change except in the event of extraordinary capital market conditions or significant changes to the capital market forecasts used to determine the model’s asset allocation. The strategic target allocation is 95% in equity funds and 5% fixed income and cash equivalent (including stable value) funds. | | | 0.3311 |
| ModelxChange | American Trust Company | Fidelity Target Allocation 20/80 (Z) Model Portfolio | | | | | | | | | | | | | | | | | 8612 | Conservative Allocation | | 0.0250 | 0 | Fidelity Target Allocation Models are risk-based portfolios designed to achieve targeted levels of risk for the end investor. The model investment process attempts to add value through the determination of the long-term asset allocation of the portfolios and fund selection. The proprietary model, which is designed to isolate fund manager skill, has shown the ability to add value over time. The fund selection process therefore results in a more dynamic portfolio than is typically associated with target allocation models in the marketplace. The investment process will utilize passive investments when active manager excess return expectations are negative. Benchmarks are chosen by American Trust Company. As the investment manager, American Trust Company utilizes the Fidelity models in managing client investments and is solely responsible for selecting the models and managing those investments. The Fidelity Target Allocation Models leverage an investment universe selected by Fidelity and employs long-term asset allocation and a fund selection process that has historically shown evidence of success in choosing funds with higher relative excess returns. The investment universe for this strategy consists of select Fidelity Advisor mutual funds, Fidelity Index Funds, and Fidelity short-term/money-market vehicles. Fund selection is done using a proprietary statistical approach called the “Alpha Model.” Fidelity analyzes each investment’s total return based on its risk exposure to determine its potential to improve risk-adjusted returns over time, and the rankings produced by this process are used to select the best investment options for each asset class within the model portfolios. Research has suggested that skill-based components of a mutual fund’s total return have demonstrated short-term persistence into the future. Fund rankings are designed to identify higher levels of excess return potential. Due to the short-term nature (three to six months) of this persistence signal, the process is ongoing, and each fund’s excess return potential is examined on a quarterly basis. As such, the fund allocations within each portfolio are dynamic and may change from one reallocation to the next. The optimization process used in constructing the models emphasizes diversification by employing constraints on the asset class and individual fund allocations. | | | 0.0250 |
| ModelxChange | American Trust Company | Fidelity Target Allocation 40/60 (Z) Model Portfolio | | | | | | | | | | | | | | | | | 8616 | Moderately Conservative Allocation | | 0.0250 | 0 | Fidelity Target Allocation Models are risk-based portfolios designed to achieve targeted levels of risk for the end investor. The model investment process attempts to add value through the determination of the long-term asset allocation of the portfolios and fund selection. The proprietary model, which is designed to isolate fund manager skill, has shown the ability to add value over time. The fund selection process therefore results in a more dynamic portfolio than is typically associated with target allocation models in the marketplace. The investment process will utilize passive investments when active manager excess return expectations are negative. Benchmarks are chosen by American Trust Company. As the investment manager, American Trust Company utilizes the Fidelity models in managing client investments and is solely responsible for selecting the models and managing those investments. The Fidelity Target Allocation Models leverage an investment universe selected by Fidelity and employs long-term asset allocation and a fund selection process that has historically shown evidence of success in choosing funds with higher relative excess returns. The investment universe for this strategy consists of select Fidelity Advisor mutual funds, Fidelity Index Funds, and Fidelity short-term/money-market vehicles. Fund selection is done using a proprietary statistical approach called the “Alpha Model.” Fidelity analyzes each investment’s total return based on its risk exposure to determine its potential to improve risk-adjusted returns over time, and the rankings produced by this process are used to select the best investment options for each asset class within the model portfolios. Research has suggested that skill-based components of a mutual fund’s total return have demonstrated short-term persistence into the future. Fund rankings are designed to identify higher levels of excess return potential. Due to the short-term nature (three to six months) of this persistence signal, the process is ongoing, and each fund’s excess return potential is examined on a quarterly basis. As such, the fund allocations within each portfolio are dynamic and may change from one reallocation to the next. The optimization process used in constructing the models emphasizes diversification by employing constraints on the asset class and individual fund allocations. | | | 0.0250 |
| ModelxChange | American Trust Company | Fidelity Target Allocation 60/40 (Z) Model Portfolio | | | | | | | | | | | | | | | | | 8617 | Moderate Allocation | | 0.0250 | 0 | Fidelity Target Allocation Models are risk-based portfolios designed to achieve targeted levels of risk for the end investor. The model investment process attempts to add value through the determination of the long-term asset allocation of the portfolios and fund selection. The proprietary model, which is designed to isolate fund manager skill, has shown the ability to add value over time. The fund selection process therefore results in a more dynamic portfolio than is typically associated with target allocation models in the marketplace. The investment process will utilize passive investments when active manager excess return expectations are negative. Benchmarks are chosen by American Trust Company. As the investment manager, American Trust Company utilizes the Fidelity models in managing client investments and is solely responsible for selecting the models and managing those investments. The Fidelity Target Allocation Models leverage an investment universe selected by Fidelity and employs long-term asset allocation and a fund selection process that has historically shown evidence of success in choosing funds with higher relative excess returns. The investment universe for this strategy consists of select Fidelity Advisor mutual funds, Fidelity Index Funds, and Fidelity short-term/money-market vehicles. Fund selection is done using a proprietary statistical approach called the “Alpha Model.” Fidelity analyzes each investment’s total return based on its risk exposure to determine its potential to improve risk-adjusted returns over time, and the rankings produced by this process are used to select the best investment options for each asset class within the model portfolios. Research has suggested that skill-based components of a mutual fund’s total return have demonstrated short-term persistence into the future. Fund rankings are designed to identify higher levels of excess return potential. Due to the short-term nature (three to six months) of this persistence signal, the process is ongoing, and each fund’s excess return potential is examined on a quarterly basis. As such, the fund allocations within each portfolio are dynamic and may change from one reallocation to the next. The optimization process used in constructing the models emphasizes diversification by employing constraints on the asset class and individual fund allocations. | | | 0.0250 |
| ModelxChange | American Trust Company | Fidelity Target Allocation 70/30 (Z) Model Portfolio | | | | | | | | | | | | | | | | | 8618 | Moderately Aggressive Allocation | | 0.0250 | 0 | Fidelity Target Allocation Models are risk-based portfolios designed to achieve targeted levels of risk for the end investor. The model investment process attempts to add value through the determination of the long-term asset allocation of the portfolios and fund selection. The proprietary model, which is designed to isolate fund manager skill, has shown the ability to add value over time. The fund selection process therefore results in a more dynamic portfolio than is typically associated with target allocation models in the marketplace. The investment process will utilize passive investments when active manager excess return expectations are negative. Benchmarks are chosen by American Trust Company. As the investment manager, American Trust Company utilizes the Fidelity models in managing client investments and is solely responsible for selecting the models and managing those investments. The Fidelity Target Allocation Models leverage an investment universe selected by Fidelity and employs long-term asset allocation and a fund selection process that has historically shown evidence of success in choosing funds with higher relative excess returns. The investment universe for this strategy consists of select Fidelity Advisor mutual funds, Fidelity Index Funds, and Fidelity short-term/money-market vehicles. Fund selection is done using a proprietary statistical approach called the “Alpha Model.” Fidelity analyzes each investment’s total return based on its risk exposure to determine its potential to improve risk-adjusted returns over time, and the rankings produced by this process are used to select the best investment options for each asset class within the model portfolios. Research has suggested that skill-based components of a mutual fund’s total return have demonstrated short-term persistence into the future. Fund rankings are designed to identify higher levels of excess return potential. Due to the short-term nature (three to six months) of this persistence signal, the process is ongoing, and each fund’s excess return potential is examined on a quarterly basis. As such, the fund allocations within each portfolio are dynamic and may change from one reallocation to the next. The optimization process used in constructing the models emphasizes diversification by employing constraints on the asset class and individual fund allocations. | | | 0.0250 |
| ModelxChange | American Trust Company | Fidelity Target Allocation 85/15 (Z) Model Portfolio | | | | | | | | | | | | | | | | | 8619 | Moderately Aggressive Allocation | | 0.0250 | 0 | Fidelity Target Allocation Models are risk-based portfolios designed to achieve targeted levels of risk for the end investor. The model investment process attempts to add value through the determination of the long-term asset allocation of the portfolios and fund selection. The proprietary model, which is designed to isolate fund manager skill, has shown the ability to add value over time. The fund selection process therefore results in a more dynamic portfolio than is typically associated with target allocation models in the marketplace. The investment process will utilize passive investments when active manager excess return expectations are negative. Benchmarks are chosen by American Trust Company. As the investment manager, American Trust Company utilizes the Fidelity models in managing client investments and is solely responsible for selecting the models and managing those investments. The Fidelity Target Allocation Models leverage an investment universe selected by Fidelity and employs long-term asset allocation and a fund selection process that has historically shown evidence of success in choosing funds with higher relative excess returns. The investment universe for this strategy consists of select Fidelity Advisor mutual funds, Fidelity Index Funds, and Fidelity short-term/money-market vehicles. Fund selection is done using a proprietary statistical approach called the “Alpha Model.” Fidelity analyzes each investment’s total return based on its risk exposure to determine its potential to improve risk-adjusted returns over time, and the rankings produced by this process are used to select the best investment options for each asset class within the model portfolios. Research has suggested that skill-based components of a mutual fund’s total return have demonstrated short-term persistence into the future. Fund rankings are designed to identify higher levels of excess return potential. Due to the short-term nature (three to six months) of this persistence signal, the process is ongoing, and each fund’s excess return potential is examined on a quarterly basis. As such, the fund allocations within each portfolio are dynamic and may change from one reallocation to the next. The optimization process used in constructing the models emphasizes diversification by employing constraints on the asset class and individual fund allocations. | | | 0.0250 |
| ModelxChange | American Trust Company | Fidelity Target Allocation Index-Focused 20/80 Model Portfolio | | | | | | | | | | | | | | | | | 8706 | Conservative Allocation | | 0.0250 | 0 | Fidelity Target Allocation Index Focused Models are designed to provide risk-adjusted total return across the risk spectrum. The models seek to minimize cost and tracking error using primarily passive Fidelity mutual funds. Benchmarks are chosen by American Trust Company. As the investment manager, American Trust Company utilizes the Fidelity models in managing client investments and is solely responsible for selecting the models and managing those investments. The Fidelity Target Allocation Index-Focused Model Portfolios are designed to provide risk-adjusted total returns for investors across a spectrum of risk profiles. The two foundational elements of the approach are long-term asset allocation and fund selection. Long-term asset allocation provides the basis for a long-term investment strategy. Nearly 200 years of financial market history, including asset class volatility and correlations, are used to model asset class risk. Multiple portfolio construction techniques are applied to identify the asset mix that seeks to improve the return for each level of risk. The fund selection process attempts to choose investments from a subset of Fidelity funds that closely track the benchmark for target allocation. Toward that goal, the approach will focus on using Fidelity Index Funds, where available and appropriate. If Fidelity index investments are not available or appropriate for a given asset class or sub-asset class, at the discretion of the Fund Portfolio Strategist, a Fidelity non-index investment may be selected. For example, Fidelity does not currently offer an index fund in the short-term investments’ asset class. | | | 0.0250 |
| ModelxChange | American Trust Company | Fidelity Target Allocation Index-Focused 40/60 Model Portfolio | | | | | | | | | | | | | | | | | 8707 | Moderately Conservative Allocation | | 0.0250 | 0 | Fidelity Target Allocation Index Focused Models are designed to provide risk-adjusted total return across the risk spectrum. The models seek to minimize cost and tracking error using primarily passive Fidelity mutual funds. Benchmarks are chosen by American Trust Company. As the investment manager, American Trust Company utilizes the Fidelity models in managing client investments and is solely responsible for selecting the models and managing those investments. The Fidelity Target Allocation Index-Focused Model Portfolios are designed to provide risk-adjusted total returns for investors across a spectrum of risk profiles. The two foundational elements of the approach are long-term asset allocation and fund selection. Long-term asset allocation provides the basis for a long-term investment strategy. Nearly 200 years of financial market history, including asset class volatility and correlations, are used to model asset class risk. Multiple portfolio construction techniques are applied to identify the asset mix that seeks to improve the return for each level of risk. The fund selection process attempts to choose investments from a subset of Fidelity funds that closely track the benchmark for target allocation. Toward that goal, the approach will focus on using Fidelity Index Funds, where available and appropriate. If Fidelity index investments are not available or appropriate for a given asset class or sub-asset class, at the discretion of the Fund Portfolio Strategist, a Fidelity non-index investment may be selected. For example, Fidelity does not currently offer an index fund in the short-term investments’ asset class. | | | 0.0250 |
| ModelxChange | American Trust Company | Fidelity Target Allocation Index-Focused 60/40 Model Portfolio | | | | | | | | | | | | | | | | | 8708 | Moderate Allocation | | 0.0250 | 0 | Fidelity Target Allocation Index Focused Models are designed to provide risk-adjusted total return across the risk spectrum. The models seek to minimize cost and tracking error using primarily passive Fidelity mutual funds. Benchmarks are chosen by American Trust Company. As the investment manager, American Trust Company utilizes the Fidelity models in managing client investments and is solely responsible for selecting the models and managing those investments. The Fidelity Target Allocation Index-Focused Model Portfolios are designed to provide risk-adjusted total returns for investors across a spectrum of risk profiles. The two foundational elements of the approach are long-term asset allocation and fund selection. Long-term asset allocation provides the basis for a long-term investment strategy. Nearly 200 years of financial market history, including asset class volatility and correlations, are used to model asset class risk. Multiple portfolio construction techniques are applied to identify the asset mix that seeks to improve the return for each level of risk. The fund selection process attempts to choose investments from a subset of Fidelity funds that closely track the benchmark for target allocation. Toward that goal, the approach will focus on using Fidelity Index Funds, where available and appropriate. If Fidelity index investments are not available or appropriate for a given asset class or sub-asset class, at the discretion of the Fund Portfolio Strategist, a Fidelity non-index investment may be selected. For example, Fidelity does not currently offer an index fund in the short-term investments’ asset class. | | | 0.0250 |
| ModelxChange | American Trust Company | Fidelity Target Allocation Index-Focused 70/30 Model Portfolio | | | | | | | | | | | | | | | | | 8709 | Moderately Aggressive Allocation | | 0.0250 | 0 | Fidelity Target Allocation Index Focused Models are designed to provide risk-adjusted total return across the risk spectrum. The models seek to minimize cost and tracking error using primarily passive Fidelity mutual funds. Benchmarks are chosen by American Trust Company. As the investment manager, American Trust Company utilizes the Fidelity models in managing client investments and is solely responsible for selecting the models and managing those investments. The Fidelity Target Allocation Index-Focused Model Portfolios are designed to provide risk-adjusted total returns for investors across a spectrum of risk profiles. The two foundational elements of the approach are long-term asset allocation and fund selection. Long-term asset allocation provides the basis for a long-term investment strategy. Nearly 200 years of financial market history, including asset class volatility and correlations, are used to model asset class risk. Multiple portfolio construction techniques are applied to identify the asset mix that seeks to improve the return for each level of risk. The fund selection process attempts to choose investments from a subset of Fidelity funds that closely track the benchmark for target allocation. Toward that goal, the approach will focus on using Fidelity Index Funds, where available and appropriate. If Fidelity index investments are not available or appropriate for a given asset class or sub-asset class, at the discretion of the Fund Portfolio Strategist, a Fidelity non-index investment may be selected. For example, Fidelity does not currently offer an index fund in the short-term investments’ asset class. | | | 0.0250 |
| ModelxChange | American Trust Company | Fidelity Target Allocation Index-Focused 85/15 Model Portfolio | | | | | | | | | | | | | | | | | 8710 | Moderately Aggressive Allocation | | 0.0250 | 0 | Fidelity Target Allocation Index Focused Models are designed to provide risk-adjusted total return across the risk spectrum. The models seek to minimize cost and tracking error using primarily passive Fidelity mutual funds. Benchmarks are chosen by American Trust Company. As the investment manager, American Trust Company utilizes the Fidelity models in managing client investments and is solely responsible for selecting the models and managing those investments. The Fidelity Target Allocation Index-Focused Model Portfolios are designed to provide risk-adjusted total returns for investors across a spectrum of risk profiles. The two foundational elements of the approach are long-term asset allocation and fund selection. Long-term asset allocation provides the basis for a long-term investment strategy. Nearly 200 years of financial market history, including asset class volatility and correlations, are used to model asset class risk. Multiple portfolio construction techniques are applied to identify the asset mix that seeks to improve the return for each level of risk. The fund selection process attempts to choose investments from a subset of Fidelity funds that closely track the benchmark for target allocation. Toward that goal, the approach will focus on using Fidelity Index Funds, where available and appropriate. If Fidelity index investments are not available or appropriate for a given asset class or sub-asset class, at the discretion of the Fund Portfolio Strategist, a Fidelity non-index investment may be selected. For example, Fidelity does not currently offer an index fund in the short-term investments’ asset class. | | | 0.0250 |
| ModelxChange | AMP Wealth Management | Aggressive 100% Equity | | | | | | | | | | | | | | | | | 3174 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3174 | 0.5000 | 0 | This portfolio is for the investor who seeks aggressive growth. With a 100% allocation to equities, this portfolio offers the potential of a meaningful return but also bears a higher level of risk. There are times when this portfolio may be less than 100% invested in equities due to market conditions.
This portfolio is comprised primarily of Mutual Fund and ETF asset classes such as large, mid, and small capitalization U.S. equity, foreign, real-estate, and fixed income. Purchase considerations are based on fundamental/quantitative analysis and qualitative evaluation. Sell criteria are based on long term evaluation of; changes in fundamentals, or significant sector/asset class changes. The proceeds may be invested in a higher ranked security or held in cash. The fund generally allocates 100 percent to equity securities but may reduce this amount based on the market cycle | | | 0.5569 |
| ModelxChange | AMP Wealth Management | Balanced 60-40 Quantfolio | 02/28/2026 12:00:00 AM | 4.1809 | 16.0580 | 12.8890 | 6.2719 | 4.1809 | 14.3611 | 8.7585 | 12.9735 | -14.4133 | 8.1248 | 8.2 | 9.62 | 0.94 | 0.32 | | 1682 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1682 | 0.5000 | 0 | This portfolio is for the investor who seeks moderate growth. With a 60% allocation to equities, this portfolio bears a moderate amount of risk with the potential for modest appreciation. The 40% fixed income portion may reduce the impact of the stock market volatility. There are times when this portfolio may be less than 60% invested in equities due to market conditions.
This portfolio is comprised primarily of mutual fund and ETF asset classes such as large, mid, and small capitalization U.S. equity, foreign, real-estate, and fixed income. Purchase considerations are based on fundamental/quantitative analysis and qualitative evaluation. Sell criteria are based on long term evaluation of; changes in fundamentals, or significant sector/asset class changes. The proceeds may be invested in a higher ranked security or held in cash. The fund generally allocates 60 percent to equity securities but may reduce this amount based on the market cycle. | | | 0.5559 |
| ModelxChange | AMP Wealth Management | Conservative 20-80 Quantfolio | 02/28/2026 12:00:00 AM | 2.1201 | | | | 2.1201 | | | | | 1.9074 | | | | | | 1684 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1684 | 0.5000 | 0 | This portfolio is for the investor whose seeks to protect their capital and is willing to forgo potentially higher returns in order to avoid risk. The 80% allocation to fixed income provides for preservation of assets. The small allocation to equities reduces the investment risk and provides modest capital appreciation.
This portfolio is comprised primarily of mutual fund and ETF asset classes such as large, mid, and small capitalization U.S. equity, foreign, real-estate, and fixed income. Purchase considerations are based on fundamental/quantitative analysis and qualitative evaluation. Sell criteria are based on long term evaluation of; changes in fundamentals, or significant sector/asset class changes. The proceeds may be invested in a higher ranked security or held in cash. The fund generally allocates 20 percent to equity securities but may reduce this amount based on the market cycle. | | | 0.5391 |
| ModelxChange | AMP Wealth Management | Growth 80/20 Quantfolio | 02/28/2026 12:00:00 AM | 4.9842 | 20.6754 | 15.4359 | 7.8718 | 4.9842 | 17.8012 | 11.2329 | 14.6951 | -15.8026 | 10.7401 | 9.43 | 11.17 | 1.07 | 0.42 | | 1680 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1680 | 0.5000 | 0 | The growth portfolio is for the aggressive investor who seeks growth with some reduction in risk. With an 80% allocation to equities, this portfolio bears a moderately high level of risk with the potential for meaningful appreciation. The 20% fixed income portion helps to dampen the risk. This portfolio is comprised primarily of mutual fund and ETF asset classes such as large, mid, and small capitalization U.S. equity, foreign, real-estate, and fixed income. Purchase considerations are based on fundamental/quantitative analysis and qualitative evaluation. Sell criteria are based on long term evaluation of; changes in fundamentals, or significant sector/asset class changes. The proceeds may be invested in a higher ranked security or held in cash. The fund generally allocates 80 percent to equity securities but may reduce this amount based on the market cycle. | | | 0.5575 |
| ModelxChange | AMP Wealth Management | Growth and Income 70-30 Quantfolio | | | | | | | | | | | | | | | | | 1681 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1681 | 0.5000 | 0 | This portfolio is for the moderately aggressive investor who seeks reasonable growth with some reduction in risk. With a 70% allocation to equities, this portfolio bears a moderately high level of risk with the potential for meaningful appreciation. The 30% fixed income portion helps to dampen the risk. There are times when this portfolio may be less than 70% invested in equities due to market conditions.
This portfolio is comprised primarily of mutual fund and ETF asset classes such as large, mid, and small capitalization U.S. equity, foreign, real-estate, and fixed income. Purchase considerations are based on fundamental/quantitative analysis and qualitative evaluation. Sell criteria are based on long term evaluation of; changes in fundamentals, or significant sector/asset class changes. The proceeds may be invested in a higher ranked security or held in cash. The fund generally allocates 70 percent to equity securities but may reduce this amount based on the market cycle. | | | 0.5556 |
| ModelxChange | AMP Wealth Management | Moderately Conservative 50-50 Quantfolio | 02/28/2026 12:00:00 AM | 3.7021 | 16.7664 | 12.7656 | | 3.7021 | 15.3957 | 8.4244 | 10.5975 | -11.7850 | | 7.61 | | 0.99 | | | 1683 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1683 | 0.5000 | 0 | This portfolio is for the investor who seeks relative investment stability with modest increase in their portfolio value. A 50% allocation to fixed income may reduce the impact of market volatility. The 50% allocation to equities provides for some modest returns and growth. There are times when this portfolio may be less than 50% invested in equities due to market conditions.
This portfolio is comprised primarily of mutual fund and ETF asset classes such as large, mid, and small capitalization U.S. equity, foreign, real-estate, and fixed income. Purchase considerations are based on fundamental/quantitative analysis and qualitative evaluation. Sell criteria are based on long term evaluation of; changes in fundamentals, or significant sector/asset class changes. The proceeds may be invested in a higher ranked security or held in cash. The fund generally allocates 50 percent to equity securities but may reduce this amount based on the market cycle. | | | 0.5514 |
| ModelxChange | AMP Wealth Management | Tandem All Equity Growth | 02/28/2026 12:00:00 AM | 7.0159 | 18.6653 | 16.3719 | 13.0124 | 7.0159 | 16.7074 | 17.5104 | 6.6504 | -2.7429 | 19.8056 | 9.68 | 12.58 | 1.13 | 0.76 | | 2668 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2668 | 0.0000 | 0 | The Tandem All Equity Growth Model is an allocation to the Rising Dividend Strategy with a target allocation of 100% Rising Dividend Strategy. In times of economic recessions, it is possible for the portfolios to deviate from the standard allocation process, reduce overall market exposure and move to more defensive allocations in an attempt to limit the negative effects of the exposure to down markets. The Rising Dividend strategy is a managed portfolio constructed of 30-35 individual securities, equally weighted to provide a better diversification with less exposure to sector volatility. Dividend investing is not a subset of traditional investment styles, it is a strategic style unto itself as dividend companies typically have significant economic moats and market domination with the value of the stocks relating to positive corporate dividend policies and payout reliability. Our security selection focuses on fundamentals with security specific emphasis on long term track records of increasing, earnings and dividends. | | | 0.5500 |
| ModelxChange | AMP Wealth Management | Tandem Balanced | 02/28/2026 12:00:00 AM | 4.8063 | 13.3468 | 12.0174 | 8.0526 | 4.8063 | 12.6138 | 11.9929 | 6.4805 | -8.2779 | 12.9114 | 7.01 | 8.84 | 0.97 | 0.53 | | 2669 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2669 | 0.0000 | 0 | The Tandem Balanced Model is a blend of the Rising Dividend Strategy and the Income Generating Strategy with a target allocation of 60% Rising Dividend Strategy and 40% Income Generating Strategy. In times of economic recessions, it is possible for the portfolios to deviate from the standard allocation process, reduce overall market exposure and move to more defensive allocations in an attempt to limit the negative effects of the exposure to down markets. The Rising Dividend strategy is a managed portfolio constructed of 30-35 individual securities, equally weighted to provide a better diversification with less exposure to sector volatility. Dividend investing is not a subset of traditional investment styles, it is a strategic style unto itself as dividend companies typically have significant economic moats and market domination with the value of the stocks relating to positive corporate dividend policies and payout reliability. Our security selection focuses on fundamentals with security specific emphasis on long term track records of increasing, earnings and dividends.
The Income Generating strategy is designed to produce income and is invested in a diverse selection of bonds complemented with trust preferred securities, income mutual funds, and a few dividend equities to achieve the desired investment goal. | | | 0.6660 |
| ModelxChange | AMP Wealth Management | Tandem Conservative | 02/28/2026 12:00:00 AM | 1.3514 | 5.1053 | 5.3854 | 0.8454 | 1.3514 | 6.2933 | 3.9111 | 5.9939 | -15.6492 | 3.0994 | 3.87 | 5.61 | 0.13 | -0.44 | | 2672 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2672 | 0.0000 | 0 | The Tandem Conservative Model is an allocation to the Income Generating Strategy with a target allocation of 100% Income Generating Strategy. In times of economic recessions, it is possible for the portfolios to deviate from the standard allocation process, reduce overall market exposure and move to more defensive allocations in an attempt to limit the negative effects of the exposure to down markets. The Income Generating strategy is designed to produce income and is invested in a diverse selection of bonds complemented with trust preferred securities, income mutual funds, and a few dividend equities to achieve the desired investment goal. | | | 0.8400 |
| ModelxChange | AMP Wealth Management | Tandem Growth | 02/28/2026 12:00:00 AM | 5.8445 | 15.8841 | 14.1772 | 10.5689 | 5.8445 | 14.6398 | 14.7872 | 6.5756 | -5.3131 | 16.3498 | 8.33 | 10.69 | 1.06 | 0.67 | | 2666 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2666 | 0.0000 | 0 | The Tandem Growth Model is a blend of the Rising Dividend Strategy and the Income Generating Strategy with a target allocation of 80% Rising Dividend Strategy and 20% Income Generating Strategy. In times of economic recessions, it is possible for the portfolios to deviate from the standard allocation process, reduce overall market exposure and move to more defensive allocations in an attempt to limit the negative effects of the exposure to down markets. The Rising Dividend strategy is a managed portfolio constructed of 30-35 individual securities, equally weighted to provide a better diversification with less exposure to sector volatility. Dividend investing is not a subset of traditional investment styles, it is a strategic style unto itself as dividend companies typically have significant economic moats and market domination with the value of the stocks relating to positive corporate dividend policies and payout reliability. Our security selection focuses on fundamentals with security specific emphasis on long term track records of increasing, earnings and dividends.
The Income Generating strategy is designed to produce income and is invested in a diverse selection of bonds complemented with trust preferred securities, income mutual funds, and a few dividend equities to achieve the desired investment goal.
| | | 0.6080 |
| ModelxChange | AMP Wealth Management | Tandem Growth & Income | 02/28/2026 12:00:00 AM | 5.3498 | 14.5882 | 12.9661 | 9.3006 | 5.3498 | 13.5881 | 13.0691 | 6.4569 | -6.5390 | 14.6901 | 7.66 | 9.8 | 1.01 | 0.6 | | 2667 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2667 | 0.0000 | 0 | The Tandem Growth Model is a blend of the Rising Dividend Strategy and the Income Generating Strategy with a target allocation of 70% Rising Dividend Strategy and 30% Income Generating Strategy. In times of economic recessions, it is possible for the portfolios to deviate from the standard allocation process, reduce overall market exposure and move to more defensive allocations in an attempt to limit the negative effects of the exposure to down markets. The Rising Dividend strategy is a managed portfolio constructed of 30-35 individual securities, equally weighted to provide a better diversification with less exposure to sector volatility. Dividend investing is not a subset of traditional investment styles, it is a strategic style unto itself as dividend companies typically have significant economic moats and market domination with the value of the stocks relating to positive corporate dividend policies and payout reliability. Our security selection focuses on fundamentals with security specific emphasis on long term track records of increasing, earnings and dividends.
The Income Generating strategy is designed to produce income and is invested in a diverse selection of bonds complemented with trust preferred securities, income mutual funds, and a few dividend equities to achieve the desired investment goal. | | | 0.6370 |
| ModelxChange | AMP Wealth Management | Tandem Moderate | 02/28/2026 12:00:00 AM | 4.2433 | 11.9825 | 10.9301 | 6.9509 | 4.2433 | 11.6115 | 10.7118 | 6.3206 | -9.2520 | 11.4174 | 6.44 | 8.19 | 0.9 | 0.44 | | 2670 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2670 | 0.0000 | 0 | The Tandem Moderate Model is a blend of the Rising Dividend Strategy and the Income Generating Strategy with a target allocation of 50% Rising Dividend Strategy and 50% Income Generating Strategy. In times of economic recessions, it is possible for the portfolios to deviate from the standard allocation process, reduce overall market exposure and move to more defensive allocations in an attempt to limit the negative effects of the exposure to down markets. The Rising Dividend strategy is a managed portfolio constructed of 30-35 individual securities, equally weighted to provide a better diversification with less exposure to sector volatility. Dividend investing is not a subset of traditional investment styles, it is a strategic style unto itself as dividend companies typically have significant economic moats and market domination with the value of the stocks relating to positive corporate dividend policies and payout reliability. Our security selection focuses on fundamentals with security specific emphasis on long term track records of increasing, earnings and dividends.
The Income Generating strategy is designed to produce income and is invested in a diverse selection of bonds complemented with trust preferred securities, income mutual funds, and a few dividend equities to achieve the desired investment goal. | | | 0.6950 |
| ModelxChange | AMP Wealth Management | Tandem Moderately Conservative | 02/28/2026 12:00:00 AM | 2.5781 | 7.9460 | 7.6474 | 3.2299 | 2.5781 | 8.4660 | 6.6215 | 6.1301 | -13.3411 | 6.3303 | 4.73 | 6.29 | 0.57 | -0.02 | | 2671 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2671 | 0.0000 | 0 | The Tandem Moderately Conservative Model is a blend of the Rising Dividend Strategy and the Income Generating Strategy with a target allocation of 20% Rising Dividend Strategy and 80% Income Generating Strategy. In times of economic recessions, it is possible for the portfolios to deviate from the standard allocation process, reduce overall market exposure and move to more defensive allocations in an attempt to limit the negative effects of the exposure to down markets. The Rising Dividend strategy is a managed portfolio constructed of 30-35 individual securities, equally weighted to provide a better diversification with less exposure to sector volatility. Dividend investing is not a subset of traditional investment styles, it is a strategic style unto itself as dividend companies typically have significant economic moats and market domination with the value of the stocks relating to positive corporate dividend policies and payout reliability. Our security selection focuses on fundamentals with security specific emphasis on long term track records of increasing, earnings and dividends.
The Income Generating strategy is designed to produce income and is invested in a diverse selection of bonds complemented with trust preferred securities, income mutual funds, and a few dividend equities to achieve the desired investment goal. | | | 0.7820 |
| ModelxChange | Appleton Group, LLC | Aggregate Bond Model | 02/28/2026 12:00:00 AM | 1.8019 | 6.0514 | 4.9320 | 0.3401 | 1.8019 | 6.9785 | 1.1958 | 5.5429 | -12.9588 | -1.8068 | 5.48 | 6.33 | 0.03 | -0.47 | | 3017 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3017 | 0.0000 | 0 | Risk-Managed Current Income The Model’s goal is to track as closely as possible, before fees and expenses, the total return of the BBgBarc US Agg Bond TR Index. | | | 0.0300 |
| ModelxChange | Appleton Group, LLC | Apleton Group Traditional Growth & Income | | | | | | | | | | | | | | | | | 5284 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5284 | 0.3500 | 0 | Total return (capital appreciation plus income) The Appleton Group Traditional – Growth & Income Portfolio employs a traditional asset allocation strategy in that it allocates a meaningful weight to equity ETFs and a moderate weight to bond ETFs. This portfolio is utilized by investors with a long-term investment horizon who would like a fair amount of exposure to market movements. | | | 0.4374 |
| ModelxChange | Appleton Group, LLC | Appleton Group Social Impact | | | | | | | | | | | | | | | | | 9196 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9196 | 0.3500 | 0 | Risk Managed Growth The Appleton Group Socially Impact Investing Portfolio invests in a variety of exchange traded funds (ETFs) that contain companies whose focus is on the following: positive environmental, social, and governance characteristics including fossil fuel free and clean energy characteristics. This strategy seeks to invest in our targeted ETF’s whose optimal price trend is rising, while reducing and/or eliminating exposure to those ETFs whose optimal price trend is falling. | | | 0.4223 |
| ModelxChange | Appleton Group, LLC | Appleton Group Traditional Aggressive Growth | | | | | | | | | | | | | | | | | 5283 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5283 | 0.3500 | 0 | Total Return (capital appreciation plus income) The Appleton Group Traditional Aggressive Growth Portfolio employs a traditional asset allocation strategy, allocating significantly more weight to equity ETFs than bond ETFs. This portfolio is utilized by investors with a long-term investment horizon who seek a relatively high exposure to equity markets. | | | 0.4287 |
| ModelxChange | Appleton Group, LLC | Appleton Group Traditional Income Focus | | | | | | | | | | | | | | | | | 5285 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5285 | 0.3500 | 0 | Total return (capital appreciation plus income) The Appleton Group Traditional Income Focus Portfolio employs a traditional asset allocation strategy in that it allocates a balanced weight to bond
ETFs and equity ETFs. This portfolio is utilized by investors with a long-term investment horizon who would like a low amount of exposure to market movements. | | | 0.4587 |
| ModelxChange | Appleton Group, LLC | Emerging Markets Model | | | | | | | | | | | | | | | | | 3016 | Diversified Emerging Mkts | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3016 | 0.0000 | 0 | Total Return The Model’s goal is to track as closely as possible, before fees and expenses, the total return of the FTSE Emerging Index. | | | 0.0900 |
| ModelxChange | Appleton Group, LLC | International Model | 02/28/2026 12:00:00 AM | 9.6279 | 34.4767 | 18.5157 | 10.3310 | 9.6279 | 31.3513 | 3.1898 | 17.8656 | -14.5530 | 11.0968 | 11.45 | 14.74 | 1.13 | 0.51 | | 3015 | Foreign Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3015 | 0.0000 | 0 | Total Return The Model’s goal is to track as closely as possible, before fees and expenses, the total return of the FTSE Developed ex US Index. | | | 0.0700 |
| ModelxChange | Appleton Group, LLC | JFG Age-Based 18-29 | 02/28/2026 12:00:00 AM | 3.5314 | 16.6997 | 14.3202 | 7.1068 | 3.5314 | 14.2500 | 10.9107 | 18.5364 | -17.8068 | 15.0519 | 9 | 11.4 | 1 | 0.36 | | 2502 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2502 | 0.3500 | 0 | Age-Based Asset Allocation The Age-Based portfolios are built to help our clients balance potential risks and rewards over a lifetime of investing. Each uses a specific combination of risk-accepting, risk-managed and risk-free strategies, depending on the investor’s targeted age. | | | 0.4353 |
| ModelxChange | Appleton Group, LLC | JFG Age-Based 30-39 | 02/28/2026 12:00:00 AM | 3.4655 | 16.6631 | 14.4393 | 7.5123 | 3.4655 | 14.6816 | 11.6445 | 18.2594 | -17.9576 | 16.8307 | 9.12 | 12.21 | 1 | 0.37 | | 2503 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2503 | 0.3500 | 0 | Age-Based Asset Allocation The Age-Based portfolios are built to help our clients balance potential risks and rewards over a lifetime of investing. Each uses a specific combination of risk-accepting, risk-managed and risk-free strategies, depending on the investor’s targeted age. | | | 0.4412 |
| ModelxChange | Appleton Group, LLC | JFG Age-Based 40-49 | 02/28/2026 12:00:00 AM | 3.1702 | 14.8407 | 13.0475 | 6.5199 | 3.1702 | 13.0422 | 9.4276 | 18.0554 | -17.9640 | 15.8131 | 8.57 | 11.51 | 0.92 | 0.3 | | 2504 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2504 | 0.3500 | 0 | Age-Based Asset Allocation The Age-Based portfolios are built to help our clients balance potential risks and rewards over a lifetime of investing. Each uses a specific combination of risk-accepting, risk-managed and risk-free strategies, depending on the investor’s targeted age. | | | 0.4497 |
| ModelxChange | Appleton Group, LLC | JFG Age-Based 50-59 | 02/28/2026 12:00:00 AM | 2.9782 | 13.5054 | 11.9902 | 5.3610 | 2.9782 | 11.7289 | 8.5465 | 16.0087 | -16.8236 | 10.9592 | 7.51 | 9.57 | 0.91 | 0.23 | | 2505 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2505 | 0.3500 | 0 | Age-Based Asset Allocation The Age-Based portfolios are built to help our clients balance potential risks and rewards over a lifetime of investing. Each uses a specific combination of risk-accepting, risk-managed and risk-free strategies, depending on the investor’s targeted age. | | | 0.4561 |
| ModelxChange | Appleton Group, LLC | JFG Age-Based 60+ | 02/28/2026 12:00:00 AM | 3.4292 | 12.7875 | 11.1808 | 4.5251 | 3.4292 | 10.2935 | 7.1504 | 15.0091 | -16.3538 | 8.1653 | 6.96 | 8.44 | 0.87 | 0.15 | | 2506 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2506 | 0.3500 | 0 | Age-Based Asset Allocation The Age-Based portfolios are built to help our clients balance potential risks and rewards over a lifetime of investing. Each uses a specific combination of risk-accepting, risk-managed and risk-free strategies, depending on the investor’s targeted age. | | | 0.4602 |
| ModelxChange | Appleton Group, LLC | JFG All-Flex Conservative | 02/28/2026 12:00:00 AM | 2.3605 | 6.9763 | 8.3250 | 2.3665 | 2.3605 | 5.1712 | 5.1676 | 14.3210 | -15.9762 | 5.8232 | 5.97 | 7.29 | 0.57 | -0.12 | | 139 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL139 | 0.3500 | 0 | Risk Managed, Conservative Growth & Income The JFG All Flex Portfolio - Conservative employs an ETF trend-following discipline designed to systematically adjust the portfolio as market conditions change. This strategy seeks to invest exclusively in ETFs whose current price trend is rising, while eliminating exposure to ETFs whose current price trend is falling.
| | | 0.4735 |
| ModelxChange | Appleton Group, LLC | JFG All-Flex Model | 02/28/2026 12:00:00 AM | 2.7520 | 10.4895 | 10.3164 | 3.5530 | 2.7520 | 7.9763 | 5.0249 | 18.0142 | -17.7450 | 8.5326 | 7.98 | 8.87 | 0.67 | 0.05 | | 138 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL138 | 0.3500 | 0 | Risk Managed Growth The JFG All-Flex Model employs an ETF trend-following discipline designed to systematically adjust the portfolio as market conditions change. This strategy seeks to invest exclusively in ETFs whose current price trend is rising, while eliminating exposure to ETFs whose current price trend is falling. | | | 0.4550 |
| ModelxChange | Appleton Group, LLC | JFG All-Flex Moderate | 02/28/2026 12:00:00 AM | 2.4583 | 9.8428 | 9.6170 | 3.1324 | 2.4583 | 8.0029 | 5.1313 | 15.5133 | -16.5056 | 6.7843 | 6.44 | 7.71 | 0.71 | -0.01 | | 140 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL140 | 0.3500 | 0 | Risk Managed, Moderate Growth & Income The JFG All-Flex - Moderate employs an ETF trend-following discipline designed to systematically adjust the portfolio as market conditions change. This strategy seeks to invest exclusively in ETFs whose current price trend is rising, while eliminating exposure to ETFs whose current price trend is falling.
| | | 0.4666 |
| ModelxChange | Appleton Group, LLC | JFG-Managed Income | 02/28/2026 12:00:00 AM | 1.5185 | 6.7886 | 6.1388 | 1.0132 | 1.5185 | 6.2977 | 4.9620 | 6.3510 | -12.4043 | -0.1234 | 2.68 | 5.01 | 0.44 | -0.47 | | 827 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL827 | 0.3500 | 0 | Risk Managed, Current Income The JFG Managed Income Portfolio invests mainly in a variety of fixed income and dividend paying exchange traded funds (ETFs). It employs an ETF trend-following discipline designed to systematically adjust the portfolio as market conditions change. This strategy seeks to invest exclusively in ETFs whose current price trend is rising, while eliminating exposure to ETFs whose current price trend is falling.
| | | 0.5220 |
| ModelxChange | Appleton Group, LLC | Large Cap Blend Model | 02/28/2026 12:00:00 AM | 0.6421 | 16.6136 | 21.2051 | 13.1742 | 0.6421 | 17.4689 | 24.2003 | 26.1291 | -18.9204 | 26.1353 | 11.32 | 14.79 | 1.34 | 0.68 | | 3010 | Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3010 | 0.0000 | 0 | Total Return
The Model's goal is to track as closely as possible, before fees and expenses, the total return of the S&P 500 TR USD Index. | | | 0.0300 |
| ModelxChange | Appleton Group, LLC | Large Cap Growth Model | 02/28/2026 12:00:00 AM | -4.7687 | 14.1659 | 26.9907 | 14.2834 | -4.7687 | 17.8529 | 33.0422 | 48.7022 | -31.3176 | 27.4093 | 14.86 | 18.93 | 1.37 | 0.62 | | 3011 | Large Growth | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3011 | 0.0000 | 0 | Total Return The Model’s goal is to track as closely as possible, before fees and expenses, the total return of the Morningstar US Large Cap Growth TR Index. | | | 0.1800 |
| ModelxChange | Appleton Group, LLC | Large Cap Value Model | 02/28/2026 12:00:00 AM | 7.0152 | 17.5325 | 14.9081 | 11.1385 | 7.0152 | 15.1944 | 13.8796 | 8.6716 | -7.4275 | 24.9818 | 12.01 | 14.25 | 0.82 | 0.57 | | 3012 | Large Value | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3012 | 0.0000 | 0 | Total Return The Model’s goal is to track as closely as possible, before fees and expenses, the total return of the Morningstar US Large Cap Value TR Index. | | | 0.1800 |
| ModelxChange | Appleton Group, LLC | Mid Cap Blend Model | 02/28/2026 12:00:00 AM | 8.1184 | 16.5604 | 12.5558 | 7.1495 | 8.1184 | 7.0806 | 13.4583 | 15.6421 | -16.6923 | 19.0465 | 15.42 | 17.21 | 0.53 | 0.28 | | 3013 | Mid-Cap Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3013 | 0.0000 | 0 | Total Return The Model’s goal is to track as closely as possible, before fees and expenses, the total return of the Morningstar US Mid Cap Core TR Index. | | | 0.0500 |
| ModelxChange | Appleton Group, LLC | Small Cap Blend Model | 02/28/2026 12:00:00 AM | 7.7598 | 17.1795 | 11.1341 | 4.7362 | 7.7598 | 5.6236 | 10.6473 | 17.9045 | -19.4211 | 16.2530 | 18.74 | 19.27 | 0.4 | 0.15 | | 3014 | Small Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3014 | 0.0000 | 0 | Total Return The Model’s goal is to track as closely as possible, before fees and expenses, the total return of the Morningstar US Small Cap Core Market Index. | | | 0.0600 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA 360 Balanced | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 10426 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10426 | 0.2000 | 0 | 50% Long/Short S&P 500 Index Fund with up to 200% exposure & 50% Best of Bonds | | | 0.3353 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA 360 Conservative | | | | | | | | | | | | | | | | | 10427 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10427 | 0.2000 | 0 | Best of Bonds Program | | | 0.3353 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA 360 Growth | | | | | | | | | | | | | | | | | 10425 | Global Large-Stock Growth | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10425 | 0.2000 | 0 | 50% Long/Short S&P 500 Index Fund with up to 200% exposure & 50% World Leaders | | | 0.3353 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA 360 Speculative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 10424 | Long-Short Equity | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10424 | 0.2000 | 0 | Long/Short S&P 500 Index Fund with up to 200% exposure | | | 0.3500 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA Plus Aggressive | | | | | | | | | | | | | | | | | 2051 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2051 | 0.4000 | 0 | This model is for investors who typically have substantial tolerance for day-to-day uncertainty, understand that markets work in extended, often unpredictable cycles, are not troubled by daily financial news, and may have either reliable income from other sources, or don not require access to their capital for 5 years or more. The Aggressive model targets enhanced returns through equity-focused holdings. | | 0.0150 | 0.8395 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA Plus Conservative | | | | | | | | | | | | | | | | | 2049 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2049 | 0.4000 | 0 | This model is for investors who want to preserve investment value and have low tolerance for more volatile investments. In exchange, a low risk of daily market swings and possibility of moderate drawdowns is expected. The prospect of stability is preferred to the risks associated with higher levels of capital gains. This may be either due to the investor's personal risk aversion, income requirements, or a potential need to access portions of capital within a time-frame of 3-5 years. The Conservative model seeks to keep pace with inflation, minimally preserving the real value of investment. | | | 0.6050 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA Plus Defensive | | | | | | | | | | | | | | | | | 2048 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2048 | 0.4000 | 0 | The Defensive model is designed for the investor unable to wait years to recoup short-term losses. This may be either due to investor's personal risk aversion, income requirements, or a potential need to access large portions of capital within a relatively short or even unpredictable time-frame. This model targets stable income and capital preservation over the prospect of growth. Short-term fixed income or cash alternatives outside the scope of the programs may also be an option for these investors. | | | 1.1160 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA Plus Moderate | | | | | | | | | | | | | | | | | 2050 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2050 | 0.4000 | 0 | The Moderate model is for the investor who is comfortable with daily market swings and the possibility of occasional extended drawdowns, and is familiar with market cycles. The investor has alternative sources of income, is not concerned with accessing the majority of their investable assets for at least a five year period, and can wait to recover from short-term losses. The moderate targets diversified exposure to all major asset classes, attempting to achieve portfolio returns in excess of inflation. | | | 1.5205 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA Plus Speculative | | | | | | | | | | | | | | | | | 2574 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2574 | 0.4000 | 0 | This model is for investors who seek maximum returns through concentrated exposure and are generally more seasoned to more aggressive investment strategies. This investor has a high tolerance for day-to-day volatility, have income from outside sources and do not require access to their capital for 5 or more years. | | 0.0325 | 0.4000 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA Tactical Balanced | 02/28/2026 12:00:00 AM | 5.3374 | -2.9148 | -5.5908 | -5.4994 | 5.3374 | -7.0441 | -4.4869 | -14.2221 | 8.0476 | -25.2977 | 8.4 | 9.08 | | | | 902 | Multistrategy | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL902 | 0.0000 | 0 | 50% Seasonal Equity Program and 50% Bond Sector Program This model is invested according to the ARIA Investment Management (AIM) Cycle Equity Program (CEP) and the AIM Bond Sector Program (BSP). Under normal conditions, the model allocations are 60% Cycle Equity Program and 40% Bond Sector Program The CEP assets are typically invested in growth managed funds or ETFs during the period which have historically been more productive while producing less negative periods. These assets are moved from equity to cash, bonds, commodities, or alternative for the remaining calendar year. This fund can have up to 100% cash during negative cycle periods. The BSP assets are allocated between cash, bonds, interest rate sensitive mutual funds and ETFS. Additionally, it may allocate up to 20% inverse positions. | | | 1.0425 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA Tactical Conservative | | | | | | | | | | | | | | | | | 904 | Nontraditional Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL904 | 0.0000 | 0 | 100% Bond Sector Program All of the money in this model is invested according to the ARIA Investment Management Bond Sector Program (BSP) while cycles are positive. When cycles are negative the model may add cash, alternative mutual funds or ETF's. The primary goal of the BSP is to preserve capital. The secondary objective is to earn a high rate of interest. The portfolio may be invested from 0%-100%. | | | 0.1285 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA Tactical Growth | 02/28/2026 12:00:00 AM | 4.4300 | -3.8471 | -8.6556 | -7.2072 | 4.4300 | -8.7566 | -6.4915 | -20.7878 | 12.0552 | -32.1481 | 9.39 | 10.51 | -1.64 | -1.3 | | 901 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL901 | 0.0000 | 0 | 100% Seasonal Equity Program This model is invested according to the ARIA Investment Management (AIM) Cycle Equity Program (CEP). The assets are typically invested in growth managed funds or ETFs during the period which have historically been more productive while producing less negative periods. The assets are moved from equity to cash, bonds, commodities, or alternative for the remaining calendar year. This fund can have up to 100% cash during negative cycle periods. Additionally, it may allocate into inverse equity positions and leverage funds. | | | 1.0425 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA Tactical Moderate | | | | | | | | | | | | | | | | | 903 | Multistrategy | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL903 | 0.0000 | 0 | 25% Seasonal Equity Program and 75% Bond Sector Program This model is invested according to the ARIA Investment Management (AIM) Cycle Equity Program (CEP) and the AIM Bond Sector Program (BSP). Under normal conditions, the model allocations are 25% Cycle Equity Program and 75% Bond Sector Program The CEP assets are typically invested in growth managed funds or ETFs during periods which have historically been more productive. These assets are moved from equity to cash, bonds, commodities, or alternative for the remaining calendar year. This fund can have up to 100% cash during negative cycle periods. The BSP assets are allocated between cash, bonds, interest rate sensitive mutual funds and ETFS. Additionally, it may allocate up to 20% inverse equity positions. | | | 0.0000 |
| ModelxChange | ARIA Wealth Management, Inc. | ARIA Tactical Speculative | | | | | | | | | | | | | | | | | 850 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL850 | 0.0000 | 0 | 30% Long Equities and 70% Seasonal Equity Program This model has approximately 70% of the assets invested according to the ARIA Investment Management (AIM) Cycle Equity Program (CEP). The remaining 30% is invested and aggressively allocated for the entire year, which may include alternatives and commodity funds. When the CEP is in a negative rating, the model may invest in cash, alternative funds or ETFs. Additionally, this model may include inverse market positions. This fund is speculative in nature and may take concentrated positions. | | | 1.0385 |
| ModelxChange | Astoria Portfolio Advisors LLC | Astoria US Equal Weight Quality Kings ETF (ROE) | 02/28/2026 12:00:00 AM | 6.8673 | 22.8201 | | | 6.8673 | | | | | | | | | | | 12539 | Large Value | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12539 | 0.0000 | 0 | The Astoria US Quality Kings ETF is an actively managed Exchange Traded Fund (ETF) that seeks long-term capital appreciation by investing in 100 high-quality US large-cap and mid-cap stocks, equally weighted and sector optimized.
The fund allocates equal weights to the components to mitigate the potential issues associated with market cap-weighted indices. It is sector-optimized, screening for and selecting the highest quality stocks in each respective sector in their weight as they exist in the S&P 500.
The fund seeks to provide long-term capital appreciation by investing, under normal circumstances, at least 80% of its net assets (plus the amount of any borrowings for investment purposes) in common stock principally traded in the U.S. The Fund seeks to invest in companies that exhibit robust quality characteristics across sectors, with attractive valuations and dividend-paying potential, as determined by the Fund’s sub-adviser, Astoria Portfolio Advisors, LLC (the “Sub-Adviser”). T | | | 0.4900 |
| ModelxChange | Astoria Portfolio Advisors LLC | Astoria US Quality Growth Kings ETF (GQQQ) | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13614 | Large Growth | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13614 | 0.0000 | 0 | The Astoria US Quality Growth Kings ETF (GQQQ) is an actively managed Exchange Traded Fund (ETF) that seeks long-term capital appreciation by investing in 100 US quality growth stocks.
GQQQ aims to participate in growth while mitigating volatility and targeting higher risk-adjusted returns by selecting growth companies that exhibit robust quality characteristics. The stocks are selected and market-cap-weighted in a sector-optimized fashion relative to the broader US growth universe.
The Fund is an actively managed exchange-traded fund (“ETF”) that seeks to achieve its investment objective by investing, under normal circumstances, at least 80% of its net assets (plus the amount of any borrowings for investment purposes) in common stock principally traded in the U.S that the Fund’s sub-adviser, Astoria Portfolio Advisors, LLC (the “Sub-Adviser”) believes has the potential for growth. The Fund seeks to invest in companies that exhibit robust quality and growth characteristics across sec | | | 0.3500 |
| ModelxChange | Astoria Portfolio Advisors LLC | Dynamic 15/85 Model - Non-Tax | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 12291 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12291 | 0.2500 | 0 | Astoria’s Dynamic 15/85 Strategy focuses on building reliable income by blending various fixed income instruments along with a modest allocation towards equities and alternatives.
It will maintain approximately 10%-20% in equities, 75%-85% in fixed income, and 3%-10% in alternatives.
Our benchmark is 15% MSCI All Country World Index and 85% Bloomberg US Aggregate Bond Index and is rebalanced monthly. | | | 0.6961 |
| ModelxChange | Astoria Portfolio Advisors LLC | Dynamic 30/70 Model - Non-Tax | 02/28/2026 12:00:00 AM | 3.7482 | | | | 3.7482 | | | | | | | | | | | 12290 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12290 | 0.2500 | 0 | Astoria’s Dynamic 30/70 Strategy focuses on long term income and growth by blending various equity factors along with allocations to fixed income and alternatives.
It will maintain approximately 25%-35% in equities, 50%-60% in fixed income, and 10%-15% in alternatives.
Our benchmark is 30% MSCI All Country World Index and 70% Bloomberg US Aggregate Bond Index and is rebalanced monthly. | | | 0.6606 |
| ModelxChange | Astoria Portfolio Advisors LLC | Dynamic 50/50 Model | 02/28/2026 12:00:00 AM | 4.7043 | 17.0886 | | | 4.7043 | 14.4756 | | | | | | | | | | 12289 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12289 | 0.2500 | 0 | Astoria’s Dynamic 50/50 Strategy focuses on long term growth by blending various equity factors along with allocations to fixed income and alternatives.
It will maintain approximately 45%-55% in equities, 30%-40% in fixed income, and 10%-15% in alternatives.
Our benchmark is 50% MSCI All Country World Index and 50% Bloomberg US Aggregate Bond Index and is rebalanced monthly. | | | 0.6256 |
| ModelxChange | Astoria Portfolio Advisors LLC | Dynamic 60/40 Model | 02/28/2026 12:00:00 AM | 4.9375 | 18.2870 | | | 4.9375 | 15.3503 | | | | | | | | | | 12288 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12288 | 0.2500 | 0 | Astoria’s Dynamic 60/40 Strategy focuses on long term growth by blending various equity factors along with allocations to fixed income and alternatives.
It will maintain approximately 60%-70% in equities, 15%-25% in fixed income, and 10%-15% in alternatives.
Our benchmark is 60% MSCI All Country World Index and 40% Bloomberg US Aggregate Bond Index and is rebalanced monthly. | | | 0.5982 |
| ModelxChange | Astoria Portfolio Advisors LLC | Dynamic 70/30 Model | 02/28/2026 12:00:00 AM | 5.5144 | 20.0714 | | | 5.5144 | 15.4973 | | | | | | | | | | 12287 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12287 | 0.2500 | 0 | Astoria’s Dynamic 70/30 Strategy focuses on long term growth by blending various equity factors along with allocations to fixed income and alternatives.
It will maintain approximately 70%-80% in equities, 10%-15% in fixed income, and 10%-15% in alternatives.
Our benchmark is 70% MSCI All Country World Index and 30% Bloomberg US Aggregate Bond Index and is rebalanced monthly. | | | 0.5700 |
| ModelxChange | ATC / BlackRock | BlackRock LifePath Target Date 2025 | | | | | | | | | | | | | | | | | 8442 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8442 | 0.0250 | 0 | The LifePath® Model Portfolios seek to provide consistent retirement outcomes by investing in cost-effective ETFs to achieve broadly diversified global asset class exposure, taking the appropriate levels of risk over an individual’s lifetime, and derisking over time as the individual approaches his or her retirement date. The LifePath® Model Portfolios are designed to take appropriate levels of risk at the right time, throughout an individual's lifetime. To achieve its objective, each model gradually derisks along the “glidepath” as an individual approaches his or her retirement date. A glidepath is a forward-looking plan for how the asset allocation mix of each model will evolve, adding more fixed income and reducing equity exposure as the individual approaches his or her retirement date. The LifePath® Model Portfolios’ glidepath is designed to maximize returns for young individuals, reduce volatility as individuals near retirement, and provide consistent spending power once an individual is in retirement.
When selecting underlying ETF holdings, we look for ETFs that represent the broad market, while offering appropriate exposure and global diversification. The model portfolios hold a mix of the following ETFs: iShares Russell 1000 ETF, iShares Russell 2000 ETF, iShares MSCI Total International Stock ETF, iShares Global REIT ETF, iShares TIPS Bond ETF, iShares Core and the U.S. Aggregate Bond ETF. | | | 0.1056 |
| ModelxChange | ATC / BlackRock | BlackRock LifePath Target Date 2030 | | | | | | | | | | | | | | | | | 8443 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8443 | 0.0250 | 0 | The LifePath® Model portfolios seek to provide consistent retirement outcomes by investing in passive ETFs to achieve broadly diversified global asset class exposure, taking the appropriate levels of risk over an individual’s lifetime, and derisking over time as the individual approaches his or her retirement date. The LifePath® Model portfolios are designed to take appropriate levels of risk at the right time, throughout an individual's lifetime. To achieve its objective, each model gradually derisks along the “glidepath” as an individual approaches his or her retirement date. A glidepath is a forward-looking plan for how the asset allocation mix of each model will evolve, adding more fixed income and reducing equity exposure as the individual approaches his or her retirement date. The LifePath® Model Portfolios’ glidepath is designed to maximize returns for young savers, reduce volatility as individuals near retirement, and provide consistent spending power once an individual is in retirement.
When selecting underlying ETF holdings, we look for ETFs that represent the broad market, while offering appropriate exposure and global diversification. The model portfolios hold a mix of the following ETFs: iShares Russell 100 ETF, iShares Russell 2000 ETF, iShares MSCI Total International Stock ETF, iShares Global REIT ETF, iShares TIPS Bond ETF, iShares Core U.S. Aggregate Bond ETF. | | | 0.1136 |
| ModelxChange | ATC / BlackRock | BlackRock LifePath Target Date 2035 | | | | | | | | | | | | | | | | | 8444 | Target-Date 2035 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8444 | 0.0250 | 0 | The LifePath® Model portfolios seek to provide consistent retirement outcomes by investing in passive ETFs to achieve broadly diversified global asset class exposure, taking the appropriate levels of risk over an individual’s lifetime, and derisking over time as the individual approaches his or her retirement date. The LifePath® Model portfolios are designed to take appropriate levels of risk at the right time, throughout an individual's lifetime. To achieve its objective, each model gradually derisks along the “glidepath” as an individual approaches his or her retirement date. A glidepath is a forward-looking plan for how the asset allocation mix of each model will evolve, adding more fixed income and reducing equity exposure as the individual approaches his or her retirement date. The LifePath® Model Portfolios’ glidepath is designed to maximize returns for young savers, reduce volatility as individuals near retirement, and provide consistent spending power once an individual is in retirement.
When selecting underlying ETF holdings, we look for ETFs that represent the broad market, while offering appropriate exposure and global diversification. The model portfolios hold a mix of the following ETFs: iShares Russell 100 ETF, iShares Russell 2000 ETF, iShares MSCI Total International Stock ETF, iShares Global REIT ETF, iShares TIPS Bond ETF, iShares Core U.S. Aggregate Bond ETF. | | | 0.1231 |
| ModelxChange | ATC / BlackRock | BlackRock LifePath Target Date 2040 | | | | | | | | | | | | | | | | | 8445 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8445 | 0.0250 | 0 | The LifePath® Model portfolios seek to provide consistent retirement outcomes by investing in passive ETFs to achieve broadly diversified global asset class exposure, taking the appropriate levels of risk over an individual’s lifetime, and derisking over time as the individual approaches his or her retirement date. The LifePath® Model portfolios are designed to take appropriate levels of risk at the right time, throughout an individual's lifetime. To achieve its objective, each model gradually derisks along the “glidepath” as an individual approaches his or her retirement date. A glidepath is a forward-looking plan for how the asset allocation mix of each model will evolve, adding more fixed income and reducing equity exposure as the individual approaches his or her retirement date. The LifePath® Model Portfolios’ glidepath is designed to maximize returns for young savers, reduce volatility as individuals near retirement, and provide consistent spending power once an individual is in retirement.
When selecting underlying ETF holdings, we look for ETFs that represent the broad market, while offering appropriate exposure and global diversification. The model portfolios hold a mix of the following ETFs: iShares Russell 100 ETF, iShares Russell 2000 ETF, iShares MSCI Total International Stock ETF, iShares Global REIT ETF, iShares TIPS Bond ETF, iShares Core U.S. Aggregate Bond ETF. | | | 0.1310 |
| ModelxChange | ATC / BlackRock | BlackRock LifePath Target Date 2045 | | | | | | | | | | | | | | | | | 8446 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8446 | 0.0250 | 0 | The LifePath® Model portfolios seek to provide consistent retirement outcomes by investing in passive ETFs to achieve broadly diversified global asset class exposure, taking the appropriate levels of risk over an individual’s lifetime, and derisking over time as the individual approaches his or her retirement date. The LifePath® Model portfolios are designed to take appropriate levels of risk at the right time, throughout an individual's lifetime. To achieve its objective, each model gradually derisks along the “glidepath” as an individual approaches his or her retirement date. A glidepath is a forward-looking plan for how the asset allocation mix of each model will evolve, adding more fixed income and reducing equity exposure as the individual approaches his or her retirement date. The LifePath® Model Portfolios’ glidepath is designed to maximize returns for young savers, reduce volatility as individuals near retirement, and provide consistent spending power once an individual is in retirement.
When selecting underlying ETF holdings, we look for ETFs that represent the broad market, while offering appropriate exposure and global diversification. The model portfolios hold a mix of the following ETFs: iShares Russell 100 ETF, iShares Russell 2000 ETF, iShares MSCI Total International Stock ETF, iShares Global REIT ETF, iShares TIPS Bond ETF, iShares Core U.S. Aggregate Bond ETF. | | | 0.1383 |
| ModelxChange | ATC / BlackRock | BlackRock LifePath Target Date 2050 | | | | | | | | | | | | | | | | | 8447 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8447 | 0.0250 | 0 | The LifePath® Model portfolios seek to provide consistent retirement outcomes by investing in passive ETFs to achieve broadly diversified global asset class exposure, taking the appropriate levels of risk over an individual’s lifetime, and derisking over time as the individual approaches his or her retirement date. The LifePath® Model portfolios are designed to take appropriate levels of risk at the right time, throughout an individual's lifetime. To achieve its objective, each model gradually derisks along the “glidepath” as an individual approaches his or her retirement date. A glidepath is a forward-looking plan for how the asset allocation mix of each model will evolve, adding more fixed income and reducing equity exposure as the individual approaches his or her retirement date. The LifePath® Model Portfolios’ glidepath is designed to maximize returns for young savers, reduce volatility as individuals near retirement, and provide consistent spending power once an individual is in retirement.
When selecting underlying ETF holdings, we look for ETFs that represent the broad market, while offering appropriate exposure and global diversification. The model portfolios hold a mix of the following ETFs: iShares Russell 100 ETF, iShares Russell 2000 ETF, iShares MSCI Total International Stock ETF, iShares Global REIT ETF, iShares TIPS Bond ETF, iShares Core U.S. Aggregate Bond ETF. | | | 0.1438 |
| ModelxChange | ATC / BlackRock | BlackRock LifePath Target Date 2055 | | | | | | | | | | | | | | | | | 8448 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8448 | 0.0250 | 0 | The LifePath® Model portfolios seek to provide consistent retirement outcomes by investing in passive ETFs to achieve broadly diversified global asset class exposure, taking the appropriate levels of risk over an individual’s lifetime, and derisking over time as the individual approaches his or her retirement date. The LifePath® Model portfolios are designed to take appropriate levels of risk at the right time, throughout an individual's lifetime. To achieve its objective, each model gradually derisks along the “glidepath” as an individual approaches his or her retirement date. A glidepath is a forward-looking plan for how the asset allocation mix of each model will evolve, adding more fixed income and reducing equity exposure as the individual approaches his or her retirement date. The LifePath® Model Portfolios’ glidepath is designed to maximize returns for young savers, reduce volatility as individuals near retirement, and provide consistent spending power once an individual is in retirement.
When selecting underlying ETF holdings, we look for ETFs that represent the broad market, while offering appropriate exposure and global diversification. The model portfolios hold a mix of the following ETFs: iShares Russell 100 ETF, iShares Russell 2000 ETF, iShares MSCI Total International Stock ETF, iShares Global REIT ETF, iShares TIPS Bond ETF, iShares Core U.S. Aggregate Bond ETF. | | | 0.1454 |
| ModelxChange | ATC / BlackRock | BlackRock LifePath Target Date 2060 | | | | | | | | | | | | | | | | | 8449 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8449 | 0.0250 | 0 | The LifePath® Model portfolios seek to provide consistent retirement outcomes by investing in passive ETFs to achieve broadly diversified global asset class exposure, taking the appropriate levels of risk over an individual’s lifetime, and derisking over time as the individual approaches his or her retirement date. The LifePath® Model portfolios are designed to take appropriate levels of risk at the right time, throughout an individual's lifetime. To achieve its objective, each model gradually derisks along the “glidepath” as an individual approaches his or her retirement date. A glidepath is a forward-looking plan for how the asset allocation mix of each model will evolve, adding more fixed income and reducing equity exposure as the individual approaches his or her retirement date. The LifePath® Model Portfolios’ glidepath is designed to maximize returns for young savers, reduce volatility as individuals near retirement, and provide consistent spending power once an individual is in retirement.
When selecting underlying ETF holdings, we look for ETFs that represent the broad market, while offering appropriate exposure and global diversification. The model portfolios hold a mix of the following ETFs: iShares Russell 100 ETF, iShares Russell 2000 ETF, iShares MSCI Total International Stock ETF, iShares Global REIT ETF, iShares TIPS Bond ETF, iShares Core U.S. Aggregate Bond ETF. | | | 0.1460 |
| ModelxChange | ATC / BlackRock | BlackRock LifePath Target Date 2065 | | | | | | | | | | | | | | | | | 8450 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8450 | 0.0250 | 0 | The LifePath® Model portfolios seek to provide consistent retirement outcomes by investing in passive ETFs to achieve broadly diversified global asset class exposure, taking the appropriate levels of risk over an individual’s lifetime, and derisking over time as the individual approaches his or her retirement date. The LifePath® Model portfolios are designed to take appropriate levels of risk at the right time, throughout an individual's lifetime. To achieve its objective, each model gradually derisks along the “glidepath” as an individual approaches his or her retirement date. A glidepath is a forward-looking plan for how the asset allocation mix of each model will evolve, adding more fixed income and reducing equity exposure as the individual approaches his or her retirement date. The LifePath® Model Portfolios’ glidepath is designed to maximize returns for young savers, reduce volatility as individuals near retirement, and provide consistent spending power once an individual is in retirement.
When selecting underlying ETF holdings, we look for ETFs that represent the broad market, while offering appropriate exposure and global diversification. The model portfolios hold a mix of the following ETFs: iShares Russell 100 ETF, iShares Russell 2000 ETF, iShares MSCI Total International Stock ETF, iShares Global REIT ETF, iShares TIPS Bond ETF, iShares Core U.S. Aggregate Bond ETF. | | | 0.1460 |
| ModelxChange | ATC / BlackRock | BlackRock LifePath Target Date Retirement | | | | | | | | | | | | | | | | | 8441 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8441 | 0.0250 | 0 | The LifePath® Model Portfolios seek to provide consistent retirement outcomes by investing in cost-effective ETFs to achieve broadly diversified global asset class exposure, taking the appropriate levels of risk over an individual’s lifetime, and derisking over time as the individual approaches his or her retirement date. The LifePath Model Portfolios are designed to take appropriate levels of risk at the right time, throughout an individual's lifetime. To achieve its objective, each model gradually derisks along the “glidepath” as an individual approaches his or her retirement date. A glidepath is a forward-looking plan for how the asset allocation mix of each model will evolve, adding more fixed income and reducing equity exposure as the individual approaches his or her retirement date. The LifePath Model Portfolios’ glidepath is designed to maximize returns for young individuals, reduce volatility as individuals near retirement, and provide consistent spending power once an individual is in retirement.
When selecting underlying ETF holdings, we look for ETFs that represent the broad market, while offering appropriate exposure and global diversification. The model portfolios hold a mix of the following ETFs: iShares Russell 1000 ETF, iShares Russell 2000 ETF, iShares MSCI Total International Stock ETF, iShares Global REIT ETF, iShares TIPS Bond ETF, iShares Core and the U.S. Aggregate Bond ETF. | | | 0.1046 |
| ModelxChange | ATC / BlackRock | BlackRock Long Horizon ETF 80/20 | | | | | | | | | | | | | | | | | 8438 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8438 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation and repositions annually, usually in January. | | | 0.0817 |
| ModelxChange | ATC / BlackRock | BlackRock Long Horizon ETF 30/70 | | | | | | | | | | | | | | | | | 8433 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8433 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation and repositions annually, usually in January. | | | 0.1015 |
| ModelxChange | ATC / BlackRock | BlackRock Long Horizon ETF 40/60 | | | | | | | | | | | | | | | | | 8434 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8434 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation and repositions annually, usually in January. | | | 0.0958 |
| ModelxChange | ATC / BlackRock | BlackRock Long Horizon ETF 50/50 | | | | | | | | | | | | | | | | | 8435 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8435 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation and repositions annually, usually in January. | | | 0.0916 |
| ModelxChange | ATC / BlackRock | BlackRock Long Horizon ETF 60/40 | | | | | | | | | | | | | | | | | 8436 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8436 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation and repositions annually, usually in January. | | | 0.0881 |
| ModelxChange | ATC / BlackRock | BlackRock Long Horizon ETF 70/30 | | | | | | | | | | | | | | | | | 8437 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8437 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation and repositions annually, usually in January. | | | 0.0846 |
| ModelxChange | ATC / BlackRock | BlackRock Long Horizon ETF 90/10 | | | | | | | | | | | | | | | | | 8439 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8439 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation and repositions annually, usually in January. | | | 0.0789 |
| ModelxChange | ATC / BlackRock | BlackRock Long Horizon ETF Balanced Income | | | | | | | | | | | | | | | | | 8432 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8432 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation and repositions annually, usually in January. | | | 0.1904 |
| ModelxChange | ATC / BlackRock | BlackRock Long Horizon ETF Equity | | | | | | | | | | | | | | | | | 8440 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8440 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation and repositions annually, usually in January. | | | 0.0763 |
| ModelxChange | ATC / BlackRock | BlackRock Long Horizon ETF Equity | | | | | | | | | | | | | | | | | 9941 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9941 | 0.0300 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation and repositions annually, usually in January. | | | 0.0769 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ESG 40/60 | | | | | | | | | | | | | | | | | 8347 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8347 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile and delivering a higher ESG quality score than our standard Target Allocation ETF models. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions | | | 0.1769 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ESG 60/40 | | | | | | | | | | | | | | | | | 8411 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8411 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile and delivering a higher ESG quality score than our standard Target Allocation ETF models. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions | | | 0.1902 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ESG 80/20 | | | | | | | | | | | | | | | | | 8419 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8419 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile and delivering a higher ESG quality score than our standard Target Allocation ETF models. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions.
| | | 0.2018 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ESG Equity | | | | | | | | | | | | | | | | | 8420 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8420 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile and delivering a higher ESG quality score than our standard Target Allocation ETF models. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.2017 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF 80/20 | 02/28/2026 12:00:00 AM | 3.6027 | 20.2179 | 18.2200 | 10.4749 | 3.6027 | 18.9104 | 15.9869 | 18.9635 | -15.3947 | 16.1436 | 9.42 | 12.19 | 1.32 | 0.6 | | 8429 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8429 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.2218 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF 10/90 | | | | | | | | | | | | | | | | | 8422 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8422 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.1660 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF 20/80 | | | | | | | | | | | | | | | | | 8423 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8423 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.1799 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF 30/70 | | | | | | | | | | | | | | | | | 8424 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8424 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.1814 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF 40/60 | | | | | | | | | | | | | | | | | 8425 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8425 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.1876 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF 50/50 | | | | | | | | | | | | | | | | | 8426 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8426 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.2011 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF 60/40 | 02/28/2026 12:00:00 AM | 3.1426 | 16.7680 | 14.6859 | 8.1527 | 3.1426 | 15.9856 | 11.8415 | 15.3921 | -13.4648 | 11.6771 | 8.08 | 10.31 | 1.15 | 0.48 | | 8427 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8427 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.2082 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF 70/30 | | | | | | | | | | | | | | | | | 8428 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8428 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.2201 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF 90/10 | | | | | | | | | | | | | | | | | 8430 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8430 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.2383 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF Equity | | | | | | | | | | | | | | | | | 8431 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8431 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.2393 |
| ModelxChange | ATC / BlackRock | BlackRock Target Allocation ETF Fixed Income | | | | | | | | | | | | | | | | | 8421 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8421 | 0.0250 | 0 | The main objective is to maximize risk-adjusted returns in an efficient manner while keeping overall risk within the stated target range of the strategy’s risk profile. The strategy is based on an investment philosophy that superior investment outcomes are most reliably reached through the integrated management of return, risk, and cost: a process we call total performance management. We believe that a systematic, model-driven approach that is overseen by a team of experienced investment professionals leads to superior investment outcomes. Our overall approach is shaped by the idea that the longer-horizon, strategic returns on broad asset-class exposures is driven by bearing risk that is associated with a return premium (i.e. is compensated). In a multi-asset class context, we model risk premiums to equity, term-structure of rates, and credit, then use these estimated premiums to drive our estimates of returns for assets.
Each model portfolio has a specified equity to fixed income target allocation which can fluctuate +/- 5% from the stated target and typically repositions 4-6 times per year. This usually happens on a quarterly-basis but sometimes on an ad-hoc intraquarter-basis in order to take advantage of changing macroeconomic conditions. | | | 0.1575 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2015 Portfolio | | | | | | | | | | | | | | | | | 8735 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8735 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2015 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.4113 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2020 Portfolio | | | | | | | | | | | | | | | | | 8736 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8736 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2020 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.4228 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2025 Portfolio | | | | | | | | | | | | | | | | | 8860 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8860 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2025 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.4556 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2030 Portfolio | | | | | | | | | | | | | | | | | 8861 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8861 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2030 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.4506 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2035 Portfolio | | | | | | | | | | | | | | | | | 8862 | Target-Date 2035 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8862 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2035 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.4820 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2040 Portfolio | | | | | | | | | | | | | | | | | 8863 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8863 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2040 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.4981 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2045 Portfolio | | | | | | | | | | | | | | | | | 8864 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8864 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2045 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.4961 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2050 Portfolio | | | | | | | | | | | | | | | | | 8865 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8865 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2050 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.5088 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2055 Portfolio | | | | | | | | | | | | | | | | | 8866 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8866 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2055 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.5149 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2060 Portfolio | | | | | | | | | | | | | | | | | 8867 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8867 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2060 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.5149 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date 2065 Portfolio | | | | | | | | | | | | | | | | | 8868 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8868 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date 2065 Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.5193 |
| ModelxChange | ATC / Federated Hermes | Federated Hermes Multi-Manager Target Date Retirement Income Portfolio | | | | | | | | | | | | | | | | | 8734 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8734 | 0.0250 | 0 | Depending on the proximity to its target date, which is defined as the year which corresponds most closely to the year in which the investor expects to retire, the portfolio will seek to achieve the following objectives to varying degrees: growth, capital protection and income. A portfolio with a target date farther in the future will invest a greater portion of its assets in equity funds and over time the portfolio will increasingly emphasize income and capital protection by investing a greater portion of its assets in fixed income funds as it approaches and passes through its target date. Therefore, the portfolio seeks to align the need for total return and stability over time. The Federated Hermes Multi-Manager Target Date Retirement Income Portfolio (“The Portfolio”) is part of a series of portfolios designed to match investors' changing risk profile as they meet and proceed through a selected retirement date. In general, The Portfolio becomes more conservative over time by gradually transitioning from equity investments to fixed income investments to coincide with the goal of reducing risk as investors move towards their planned retirement date. The Portfolio is a multi-asset class, multi-manager mutual fund and ETF model designed to leverage the asset allocation and glide path construction expertise of Wilshire Associates, and manager research and portfolio construction capabilities of Federated Hermes. | | | 0.4081 |
| ModelxChange | ATC / Franklin Templeton | Franklin Templeton Core Multi-Manager 100% Equity | | | | | | | | | | | | | | | | | 7971 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7971 | 0.0250 | 0 | A model of Franklin Templeton mutual funds and ETFs designed for investors seeking the highest level of long-term total return that is consistent with the ability to accept higher portfolio volatility. Franklin Templeton model portfolios are managed utilizing the following framework:
• Clearly identify and understand the model portfolio’s investment objective.
• Long term strategic asset allocation is established by the Investment Strategy Research Committee (ISRC) and is informed by our Franklin Templeton Multi-Asset Solution’s (FTMAS) Capital Market Expectations (CMEs).
• Shorter-term ISRC views provide guidance for regional/sector over and underweights and are expressed via tactical tilts in the model portfolio.
• Investment implementation including asset allocation and fund selection are ultimately the responsibility of the portfolio management team. Portfolio managers consider recommendations from FTMAS’ manager research team to select funds that exhibit an ideal mix of attributes that best meet the model’s investment objective.
• Model portfolio holdings and weightings are closely monitored focusing on underlying fund composition, performance, and risk data. Further analysis is conducted to ensure model portfolios are diversified and intended exposures are represented.
• Model portfolios are adjusted approximately four to six times per year to ensure alignment with current ISRC views and are best positioned to meet their investment objectives. | | | 0.3620 |
| ModelxChange | ATC / Franklin Templeton | Franklin Templeton Core Multi-Manager 20% EQ - 80% FI | | | | | | | | | | | | | | | | | 7977 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7977 | 0.0250 | 0 | A multi-asset model of Franklin Templeton mutual funds and ETFs designed for investors seeking capital preservation with opportunity for some long-term growth. Franklin Templeton model portfolios are managed utilizing the following framework:
• Clearly identify and understand the model portfolio’s investment objective.
• Long term strategic asset allocation is established by the Investment Strategy Research Committee (ISRC) and is informed by our Franklin Templeton Multi-Asset Solution’s (FTMAS) Capital Market Expectations (CMEs).
• Shorter-term ISRC views provide guidance for regional/sector over and underweights and are expressed via tactical tilts in the model portfolio.
• Investment implementation including asset allocation and fund selection are ultimately the responsibility of the portfolio management team. Portfolio managers consider recommendations from FTMAS’ manager research team to select funds that exhibit an ideal mix of attributes that best meet the model’s investment objective.
• Model portfolio holdings and weightings are closely monitored focusing on underlying fund composition, performance, and risk data. Further analysis is conducted to ensure model portfolios are diversified and intended exposures are represented.
• Model portfolios are adjusted approximately four to six times per year to ensure alignment with current ISRC views and are best positioned to meet their investment objectives. | | | 0.2818 |
| ModelxChange | ATC / Franklin Templeton | Franklin Templeton Core Multi-Manager 40% EQ - 60% FI | | | | | | | | | | | | | | | | | 7968 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7968 | 0.0250 | 0 | A multi-asset model of Franklin Templeton mutual funds and ETFs designed for investors seeking the highest level of long-term total return that is consistent with a desire for lower portfolio volatility. Franklin Templeton model portfolios are managed utilizing the following framework:
•Clearly identify and understand the model portfolio’s investment objective.
•Long term strategic asset allocation is established by the Investment Strategy Research Committee (ISRC) and is informed by our Franklin Templeton Multi-Asset Solution’s (FTMAS) Capital Market Expectations (CMEs).
•Shorter-term ISRC views provide guidance for regional/sector over and underweights and are expressed via tactical tilts in the model portfolio.
•Investment implementation including asset allocation and fund selection are ultimately the responsibility of the portfolio management team. Portfolio managers consider recommendations from FTMAS’ manager research team to select funds that exhibit an ideal mix of attributes that best meet the model’s investment objective.
•Model portfolio holdings and weightings are closely monitored focusing on underlying fund composition, performance, and risk data. Further analysis is conducted to ensure model portfolios are diversified and intended exposures are represented.
•Model portfolios are adjusted approximately four to six times per year to ensure alignment with current ISRC views and are best positioned to meet their investment objectives. | | | 0.2818 |
| ModelxChange | ATC / Franklin Templeton | Franklin Templeton Core Multi-Manager 60% EQ - 40% FI | | | | | | | | | | | | | | | | | 7969 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7969 | 0.0250 | 0 | A multi-asset model of Franklin Templeton mutual funds and ETFs designed for investors seeking the highest level of long-term total return that is consistent with the ability to accept a moderate level of portfolio volatility. Franklin Templeton model portfolios are managed utilizing the following framework:
• Clearly identify and understand the model portfolio’s investment objective.
• Long term strategic asset allocation is established by the Investment Strategy Research Committee (ISRC) and is informed by our Franklin Templeton Multi-Asset Solution’s (FTMAS) Capital Market Expectations (CMEs).
• Shorter-term ISRC views provide guidance for regional/sector over and underweights and are expressed via tactical tilts in the model portfolio.
• Investment implementation including asset allocation and fund selection are ultimately the responsibility of the portfolio management team. Portfolio managers consider recommendations from FTMAS’ manager research team to select funds that exhibit an ideal mix of attributes that best meet the model’s investment objective.
• Model portfolio holdings and weightings are closely monitored focusing on underlying fund composition, performance, and risk data. Further analysis is conducted to ensure model portfolios are diversified and intended exposures are represented.
• Model portfolios are adjusted approximately four to six times per year to ensure alignment with current ISRC views and are best positioned to meet their investment objectives. | | | 0.3276 |
| ModelxChange | ATC / Franklin Templeton | Franklin Templeton Core Multi-Manager 80% EQ - 20% FI | | | | | | | | | | | | | | | | | 7970 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7970 | 0.0250 | 0 | A multi-asset model of Franklin Templeton mutual funds and ETFs designed for investors seeking the highest level of long-term total return that is consistent with the ability to accept higher portfolio volatility. Franklin Templeton model portfolios are managed utilizing the following framework:
• Clearly identify and understand the model portfolio’s investment objective.
• Long term strategic asset allocation is established by the Investment Strategy Research Committee (ISRC) and is informed by our Franklin Templeton Multi-Asset Solution’s (FTMAS) Capital Market Expectations (CMEs).
• Shorter-term ISRC views provide guidance for regional/sector over and underweights and are expressed via tactical tilts in the model portfolio.
• Investment implementation including asset allocation and fund selection are ultimately the responsibility of the portfolio management team. Portfolio managers consider recommendations from FTMAS’ manager research team to select funds that exhibit an ideal mix of attributes that best meet the model’s investment objective.
• Model portfolio holdings and weightings are closely monitored focusing on underlying fund composition, performance, and risk data. Further analysis is conducted to ensure model portfolios are diversified and intended exposures are represented.
• Model portfolios are adjusted approximately four to six times per year to ensure alignment with current ISRC views and are best positioned to meet their investment objectives | | | 0.3486 |
| ModelxChange | ATC / Franklin Templeton | Franklin Templeton Multi Manager Rising Rates Defense Model | | | | | | | | | | | | | | | | | 7979 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7979 | 0.0250 | 0 | A multi-asset model of Franklin Templeton mutual funds and ETFs designed for investors seeking capital preservation and some long-term growth while minimizing interest rate risk. Franklin Templeton model portfolios are managed utilizing the following framework:
• Clearly identify and understand the model portfolio’s investment objective.
• Long term strategic asset allocation is established by the Investment Strategy Research Committee (ISRC) and is informed by our Franklin Templeton Multi-Asset Solution’s (FTMAS) Capital Market Expectations (CMEs).
• Shorter-term ISRC views provide guidance for regional/sector over and underweights and are expressed via tactical tilts in the model portfolio.
• Investment implementation including asset allocation and fund selection are ultimately the responsibility of the portfolio management team. Portfolio managers consider recommendations from FTMAS’ manager research team to select funds that exhibit an ideal mix of attributes that best meet the model’s investment objective.
• Model portfolio holdings and weightings are closely monitored focusing on underlying fund composition, performance, and risk data. Further analysis is conducted to ensure model portfolios are diversified and intended exposures are represented.
• Model portfolios are adjusted approximately four to six times per year to ensure alignment with current ISRC views and are best positioned to meet their investment objectives. | | | 0.3460 |
| ModelxChange | ATC / Franklin Templeton | Franklin Templeton Multi-Manager Dynamic Income - Conservative | | | | | | | | | | | | | | | | | 7975 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7975 | 0.0250 | 0 | A multi-asset model of Franklin Templeton mutual funds and ETFs designed for investors seeking to generate a relatively steady and high level of income. Franklin Templeton model portfolios are managed utilizing the following framework:
• Clearly identify and understand the model portfolio’s investment objective.
• Long term strategic asset allocation is established by the Investment Strategy Research Committee (ISRC) and is informed by our Franklin Templeton Multi-Asset Solution’s (FTMAS) Capital Market Expectations (CMEs).
• Shorter-term ISRC views provide guidance for regional/sector over and underweights and are expressed via tactical tilts in the model portfolio.
• Investment implementation including asset allocation and fund selection are ultimately the responsibility of the portfolio management team. Portfolio managers consider recommendations from FTMAS’ manager research team to select funds that exhibit an ideal mix of attributes that best meet the model’s investment objective.
• Model portfolio holdings and weightings are closely monitored focusing on underlying fund composition, performance, and risk data. Further analysis is conducted to ensure model portfolios are diversified and intended exposures are represented.
• Model portfolios are adjusted approximately four to six times per year to ensure alignment with current ISRC views and are best positioned to meet their investment objectives. | | | 0.2714 |
| ModelxChange | ATC / Franklin Templeton | Franklin Templeton Multi-Manager Dynamic Income - Conservative Tax Advantaged | | | | | | | | | | | | | | | | | 7976 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7976 | 0.0250 | 0 | A multi-asset model of Franklin Templeton mutual funds and ETFs designed for investors seeking to generate a relatively steady and high level of tax-exempt income. Franklin Templeton model portfolios are managed utilizing the following framework:
• Clearly identify and understand the model portfolio’s investment objective.
• Long term strategic asset allocation is established by the Investment Strategy Research Committee (ISRC) and is informed by our Franklin Templeton Multi-Asset Solution’s (FTMAS) Capital Market Expectations (CMEs).
• Shorter-term ISRC views provide guidance for regional/sector over and underweights and are expressed via tactical tilts in the model portfolio.
• Investment implementation including asset allocation and fund selection are ultimately the responsibility of the portfolio management team. Portfolio managers consider recommendations from FTMAS’ manager research team to select funds that exhibit an ideal mix of attributes that best meet the model’s investment objective.
• Model portfolio holdings and weightings are closely monitored focusing on underlying fund composition, performance, and risk data. Further analysis is conducted to ensure model portfolios are diversified and intended exposures are represented.
• Model portfolios are adjusted approximately four to six times per year to ensure alignment with current ISRC views and are best positioned to meet their investment objectives. | | | 0.3751 |
| ModelxChange | ATC / Franklin Templeton | Franklin Templeton Multi-Manager Dynamic Income - Moderate | | | | | | | | | | | | | | | | | 7972 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7972 | 0.0250 | 0 | A multi-asset model of Franklin Templeton mutual funds and ETFs designed for investors seeking capital appreciation and income. Franklin Templeton model portfolios are managed utilizing the following framework:
• Clearly identify and understand the model portfolio’s investment objective.
• Long term strategic asset allocation is established by the Investment Strategy Research Committee (ISRC) and is informed by our Franklin Templeton Multi-Asset Solution’s (FTMAS) Capital Market Expectations (CMEs).
• Shorter-term ISRC views provide guidance for regional/sector over and underweights and are expressed via tactical tilts in the model portfolio.
• Investment implementation including asset allocation and fund selection are ultimately the responsibility of the portfolio management team. Portfolio managers consider recommendations from FTMAS’ manager research team to select funds that exhibit an ideal mix of attributes that best meet the model’s investment objective.
• Model portfolio holdings and weightings are closely monitored focusing on underlying fund composition, performance, and risk data. Further analysis is conducted to ensure model portfolios are diversified and intended exposures are represented.
• Model portfolios are adjusted approximately four to six times per year to ensure alignment with current ISRC views and are best positioned to meet their investment objectives. | | | 0.3454 |
| ModelxChange | ATC / Franklin Templeton | Franklin Templeton Multi-Manager Dynamic Income - Moderate Tax Advantaged | | | | | | | | | | | | | | | | | 7974 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7974 | 0.0250 | 0 | A multi-asset model of Franklin Templeton mutual funds and ETFs designed for investors seeking capital appreciation and tax-exempt income. Franklin Templeton model portfolios are managed utilizing the following framework:
• Clearly identify and understand the model portfolio’s investment objective.
• Long term strategic asset allocation is established by the Investment Strategy Research Committee (ISRC) and is informed by our Franklin Templeton Multi-Asset Solution’s (FTMAS) Capital Market Expectations (CMEs).
• Shorter-term ISRC views provide guidance for regional/sector over and underweights and are expressed via tactical tilts in the model portfolio.
• Investment implementation including asset allocation and fund selection are ultimately the responsibility of the portfolio management team. Portfolio managers consider recommendations from FTMAS’ manager research team to select funds that exhibit an ideal mix of attributes that best meet the model’s investment objective.
• Model portfolio holdings and weightings are closely monitored focusing on underlying fund composition, performance, and risk data. Further analysis is conducted to ensure model portfolios are diversified and intended exposures are represented.
• Model portfolios are adjusted approximately four to six times per year to ensure alignment with current ISRC views and are best positioned to meet their investment objectives. | | | 0.3971 |
| ModelxChange | ATC / Global X Management Company LLC | Global X Core Series Aggressive ETF Model Portfolio (Inactive) | | | | | | | | | | | | | | | | | 8912 | Moderately Aggressive Allocation | | 0.0250 | 0 | The Global X Core Series Model Portfolios considers an investor’s risk tolerance and time horizon, to optimize risk and return. The Core Series offers 5 different risk profiles, ranging from conservative to aggressive. These portfolios provide exposure to equity, fixed income, cash and gold and is differentiated from other multi-asset solutions by its use of thematic and factor-based investing.
Balance and diversification combined with an appropriate level of thematic equity are the focus of this portfolio suite. While the thematic equity sleeve is growth focused and has a mid and small-cap tilt, this is balanced against the U.S. equity sleeve which has a slight tilt to value, momentum, quality and low volatility. Tilts from the U.S. equity sleeve will have a larger impact on the overall equity within the Conservative and Moderately Conservative portfolios while thematic equity is a more important consideration within the Moderately Aggressive and Aggressive portfolios. The broad asset allocation for the Core Series Model Portfolios is established using reasonably standard strategic asset allocation (SAA) weights and tilting the allocation in line with Global X’s macroeconomic views to establish the tactical asset allocation (TAA). These macroeconomic perspectives may be shaped by internal and 3rd party research. Based on these views, we adjust the TAA to be over/ underweight to the three main asset categories; stock, bonds and cash. Once the broad asset allocation is established, we look within the equity and fixed income sleeves to assess which segments of each asset class we want to be over/ underweight. Typically, these portfolios are traded approximately quarterly. Market conditions may result in more or less frequent adjustments to these portfolios.
In the Conservative and Moderately Conservative Core Series Portfolios, fixed income is the driving force. Within fixed income, the portfolios use a barbell approach that focuses on short duration while having some long-duration Treasury exposure. For the Moderate portfolio, fixed income remains an important driver of returns, but this is reasonably balanced with equity and especially thematic equity starting to have an important role. In the Moderately Aggressive and Aggressive Core Series Portfolios, equity exposure and particularly the thematic equity exposure are the primary driver of the portfolio’s returns.
An appropriate level of thematic equity is included within each risk profile. The level of thematic equity will shift depending on market conditions. Currently the thematic equity ranges from around 2% in the Conservative portfolio all the way to around 22% in the Aggressive portfolio. The Moderate, Moderately Aggressive and Aggressive Core Series Portfolios include a scaled in version of the Equity Thematic Disruptors Portfolio while the Conservative and Moderately Conservative Portfolios include a thematic lite portfolio that only includes three core themes. | | | 0.0250 |
| ModelxChange | ATC / Global X Management Company LLC | Global X Core Series Conservative ETF Model Portfolio (Inactive) | | | | | | | | | | | | | | | | | 8908 | Conservative Allocation | | 0.0250 | 0 | The investment process for the Global X Core Series Model Portfolios considers an investor’s risk tolerance and time horizon, to optimize risk and return. The Core Series offers 5 different risk profiles, ranging from conservative to aggressive. These portfolios provide exposure to equity, fixed income, cash and gold and is differentiated from other multi-asset solutions by its use of thematic and factor-based investing. Balance and diversification combined with an appropriate level of thematic equity are the main focus of this suite of portfolios. While the thematic equity sleeve of the portfolio is high growth focused and has a mid and small-cap tilt, this is balanced against the U.S. equity sleeve which has a slight tilt to value, momentum, quality and low volatility. The broad asset allocation for the Core Series Model Portfolios is established using reasonably standard strategic asset allocation (SAA) weights and tilting the allocation in line with Global X’s macroeconomic views to establish the tactical asset allocation (TAA). These macroeconomic perspectives may be shaped by internal and 3rd party research. Based on these developed views, we will adjust the TAA to be over/ underweight to the three main asset categories; stock, bonds and cash. Once the broad asset allocation is established, we look within the equity and fixed income sleeves to assess which segments of each asset class we want to be over/ underweight. Typically, these portfolios are traded approximately quarterly. Market conditions may result in more or less frequent adjustments to these portfolios. In the Conservative and Moderately Conservative Core Series Portfolios, fixed income is the driving force. Within fixed income, the portfolios use a barbell approach that focuses on short duration while having some long-duration Treasury exposure. For the Moderate portfolio, fixed income remains an important driver of returns, but this is reasonably balanced with equity and especially thematic equity starting to have an important role. In the Moderately Aggressive and Aggressive Core Series Portfolios, equity exposure and particularly the thematic equity exposure are the primary driver of the portfolio’s returns. An appropriate level of thematic equity is included within each risk profile. The level of thematic equity will shift depending on market conditions. | | | 0.0250 |
| ModelxChange | ATC / Global X Management Company LLC | Global X Core Series Moderate ETF Model Portfolio (Inactive) | | | | | | | | | | | | | | | | | 8910 | Moderate Allocation | | 0.0250 | 0 | The Global X Core Series Model Portfolios considers an investor’s risk tolerance and time horizon, to optimize risk and return. The Core Series offers 5 different risk profiles, ranging from conservative to aggressive. These portfolios provide exposure to equity, fixed income, cash and gold and is differentiated from other multi-asset solutions by its use of thematic and factor-based investing.
Balance and diversification combined with an appropriate level of thematic equity are the focus of this portfolio suite. While the thematic equity sleeve is growth focused and has a mid and small-cap tilt, this is balanced against the U.S. equity sleeve which has a slight tilt to value, momentum, quality and low volatility. Tilts from the U.S. equity sleeve will have a larger impact on the overall equity within the Conservative and Moderately Conservative portfolios while thematic equity is a more important consideration within the Moderately Aggressive and Aggressive portfolios. The broad asset allocation for the Core Series Model Portfolios is established using reasonably standard strategic asset allocation (SAA) weights and tilting the allocation in line with Global X’s macroeconomic views to establish the tactical asset allocation (TAA). These macroeconomic perspectives may be shaped by internal and 3rd party research. Based on these views, we adjust the TAA to be over/ underweight to the three main asset categories; stock, bonds and cash. Once the broad asset allocation is established, we look within the equity and fixed income sleeves to assess which segments of each asset class we want to be over/ underweight. Typically, these portfolios are traded approximately quarterly. Market conditions may result in more or less frequent adjustments to these portfolios.
In the Conservative and Moderately Conservative Core Series Portfolios, fixed income is the driving force. Within fixed income, the portfolios use a barbell approach that focuses on short duration while having some long-duration Treasury exposure. For the Moderate portfolio, fixed income remains an important driver of returns, but this is reasonably balanced with equity and especially thematic equity starting to have an important role. In the Moderately Aggressive and Aggressive Core Series Portfolios, equity exposure and particularly the thematic equity exposure are the primary driver of the portfolio’s returns.
An appropriate level of thematic equity is included within each risk profile. The level of thematic equity will shift depending on market conditions. Currently the thematic equity ranges from around 2% in the Conservative portfolio all the way to around 22% in the Aggressive portfolio. The Moderate, Moderately Aggressive and Aggressive Core Series Portfolios include a scaled in version of the Equity Thematic Disruptors Portfolio while the Conservative and Moderately Conservative Portfolios include a thematic lite portfolio that only includes three core themes. | | | 0.0250 |
| ModelxChange | ATC / Global X Management Company LLC | Global X Core Series Moderately Aggressive ETF Model Portfolio (Inactive) | | | | | | | | | | | | | | | | | 8911 | Moderate Allocation | | 0.0250 | 0 | The Global X Core Series Model Portfolios considers an investor’s risk tolerance and time horizon, to optimize risk and return. The Core Series offers 5 different risk profiles, ranging from conservative to aggressive. These portfolios provide exposure to equity, fixed income, cash and gold and is differentiated from other multi-asset solutions by its use of thematic and factor-based investing.
Balance and diversification combined with an appropriate level of thematic equity are the focus of this portfolio suite. While the thematic equity sleeve is growth focused and has a mid and small-cap tilt, this is balanced against the U.S. equity sleeve which has a slight tilt to value, momentum, quality and low volatility. Tilts from the U.S. equity sleeve will have a larger impact on the overall equity within the Conservative and Moderately Conservative portfolios while thematic equity is a more important consideration within the Moderately Aggressive and Aggressive portfolios. The broad asset allocation for the Core Series Model Portfolios is established using reasonably standard strategic asset allocation (SAA) weights and tilting the allocation in line with Global X’s macroeconomic views to establish the tactical asset allocation (TAA). These macroeconomic perspectives may be shaped by internal and 3rd party research. Based on these views, we adjust the TAA to be over/ underweight to the three main asset categories; stock, bonds and cash. Once the broad asset allocation is established, we look within the equity and fixed income sleeves to assess which segments of each asset class we want to be over/ underweight. Typically, these portfolios are traded approximately quarterly. Market conditions may result in more or less frequent adjustments to these portfolios.
In the Conservative and Moderately Conservative Core Series Portfolios, fixed income is the driving force. Within fixed income, the portfolios use a barbell approach that focuses on short duration while having some long-duration Treasury exposure. For the Moderate portfolio, fixed income remains an important driver of returns, but this is reasonably balanced with equity and especially thematic equity starting to have an important role. In the Moderately Aggressive and Aggressive Core Series Portfolios, equity exposure and particularly the thematic equity exposure are the primary driver of the portfolio’s returns.
An appropriate level of thematic equity is included within each risk profile. The level of thematic equity will shift depending on market conditions. Currently the thematic equity ranges from around 2% in the Conservative portfolio all the way to around 22% in the Aggressive portfolio. The Moderate, Moderately Aggressive and Aggressive Core Series Portfolios include a scaled in version of the Equity Thematic Disruptors Portfolio while the Conservative and Moderately Conservative Portfolios include a thematic lite portfolio that only includes three core themes. | | | 0.0250 |
| ModelxChange | ATC / Global X Management Company LLC | Global X Core Series Moderately Conservative ETF Model Portfolio (Inactive) | | | | | | | | | | | | | | | | | 8909 | Moderately Conservative Allocation | | 0.0250 | 0 | The Global X Core Series Model Portfolios considers an investor’s risk tolerance and time horizon, to optimize risk and return. The Core Series offers 5 different risk profiles, ranging from conservative to aggressive. These portfolios provide exposure to equity, fixed income, cash and gold and is differentiated from other multi-asset solutions by its use of thematic and factor-based investing.
Balance and diversification combined with an appropriate level of thematic equity are the focus of this portfolio suite. While the thematic equity sleeve is growth focused and has a mid and small-cap tilt, this is balanced against the U.S. equity sleeve which has a slight tilt to value, momentum, quality and low volatility. Tilts from the U.S. equity sleeve will have a larger impact on the overall equity within the Conservative and Moderately Conservative portfolios while thematic equity is a more important consideration within the Moderately Aggressive and Aggressive portfolios. The broad asset allocation for the Core Series Model Portfolios is established using reasonably standard strategic asset allocation (SAA) weights and tilting the allocation in line with Global X’s macroeconomic views to establish the tactical asset allocation (TAA). These macroeconomic perspectives may be shaped by internal and 3rd party research. Based on these views, we adjust the TAA to be over/ underweight to the three main asset categories; stock, bonds and cash. Once the broad asset allocation is established, we look within the equity and fixed income sleeves to assess which segments of each asset class we want to be over/ underweight. Typically, these portfolios are traded approximately quarterly. Market conditions may result in more or less frequent adjustments to these portfolios.
In the Conservative and Moderately Conservative Core Series Portfolios, fixed income is the driving force. Within fixed income, the portfolios use a barbell approach that focuses on short duration while having some long-duration Treasury exposure. For the Moderate portfolio, fixed income remains an important driver of returns, but this is reasonably balanced with equity and especially thematic equity starting to have an important role. In the Moderately Aggressive and Aggressive Core Series Portfolios, equity exposure and particularly the thematic equity exposure are the primary driver of the portfolio’s returns.
An appropriate level of thematic equity is included within each risk profile. The level of thematic equity will shift depending on market conditions. Currently the thematic equity ranges from around 2% in the Conservative portfolio all the way to around 22% in the Aggressive portfolio. The Moderate, Moderately Aggressive and Aggressive Core Series Portfolios include a scaled in version of the Equity Thematic Disruptors Portfolio while the Conservative and Moderately Conservative Portfolios include a thematic lite portfolio that only includes three core themes. | | | 0.0250 |
| ModelxChange | ATC / Global X Management Company LLC | Global X Equity Thematic Disruptors ETF Model Portfolio (Inactive) | | | | | | | | | | | | | | | | | 8913 | Aggressive Allocation | | 0.0250 | 0 | The Equity Thematic Disruptors Portfolio is designed as a growth-focused equity allocation within an overall portfolio. This portfolio provides exposure to structural themes disrupting various segments and sectors in the broad market with a focus on technological disruption. Themes are selected based on expected growth, which is largely a function of their disruptive potential and the size of the market they affect. To balance thematic risks, we aim to select themes that are disrupting different sectors of the economy.
This portfolio combines a qualitative theme selection process with a quantitative weighting methodology. The portfolio weights exposures according to the expected future revenue growth of the ETFs underlying constituents. The model targets the Early Adopters and Early Majority segments of the adoption curve – focusing on themes that are experiencing a high absolute level of forward sales growth as well as an improving trend in those sales’ growth forecasts. The Global X Equity Thematic Disruptors ETF Model Portfolio combines a qualitative theme selection process with a quantitative weighting methodology. Themes will be added to the portfolio as we identify disruptive themes that are investible and meet our internal due diligence standards. Similarly, themes will be removed if they no longer provide disruption (has become mainstream/ market saturated with lower growth prospects) or we no longer believe it's the correct theme.
Once the themes are selected, exposures are weighted according to the expected future revenue growth of the ETFs underlying constituents. The model targets themes with that are experiencing a high absolute level of forward sales growth as well as an improving trend in those sales’ growth forecasts. The weighting model targets the Early Adopters and Early Majority segments of the adoption curve where there is the greatest increase in adoption.
Themes are weighted in a processed and risk-controlled manner as illustrated below:
•50% - Current Level
o4-week average of the two-year forecast sales growth.
oTargeting themes with medium to high absolute growth rates.
•30% - Trend
o8-week average / 2-year average -1 of the weekly two-year forecast sales growth.
oWe want exposure to themes on a positive sales growth trajectory.
•20% - Stability
•1/ standard deviation of 2-years’ worth of the weekly two-year forecast sales growth from Bloomberg.
oThis factor is used to correct for volatility in sales growth forecasts.
oReduce the weight on ETFs where there has been sales growth forecast volatility.
Each ETF is capped at a maximum of 15%. This is a model cap, but between rebalancing, there can be portfolio drift to beyond the 15% cap.
To minimize turnover, this portfolio is traded approximately quarterly and changes are only made if there is more than a 1% change in any of the portfolio’s weights. Market conditions may result in more or less frequent adjustments to this portfolio. | | | 0.0250 |
| ModelxChange | ATC / Goldman Sachs Asset Management, L.P. | Goldman Sachs S&P Conservative ETF G-MAP | | | | | | | | | | | | | | | | | 8917 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8917 | 0.0250 | 0 | The Goldman Sachs S&P Conservative ETF G-MAP is designed for investors who seek capital appreciation, have limited income requirements but are risk averse. It is compared to a reference benchmark of 40% equity and 60% fixed income and cash. GSAM's dynamic asset allocation approach combines strategic, long-term views with tactical tilts to create a diversified strategy that seeks to balance risk and return while navigating changing markets. Each G-MAP is carefully constructed to a specific risk profile and implemented across a variety of asset classes and sub-asset classes through ETFs in an effort to maximize return per unit of risk and diversification.
Traditional model portfolios seek alpha through asset allocation. This is primarily due to the use of passive, market capitalization-weighted ETFs for fund implementation, which typically perform consistent with a traditional benchmark or index. G-MAPs include underlying securities that leverage the advanced strategies of GSAM and are designed to build on the traditional benefits of ETFs by seeking to provide intelligent market exposure and outperform index-based solutions. We believe including innovative products in the G-MAPs results in potential to generate additional alpha. | | | 0.1244 |
| ModelxChange | ATC / Goldman Sachs Asset Management, L.P. | Goldman Sachs S&P Conservative Income ETF G-MAP | | | | | | | | | | | | | | | | | 8916 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8916 | 0.0250 | 0 | The Goldman Sachs S&P Conservative Income ETF G-MAP is designed for investors who seek a combination of income and real purchasing power. It is compared to a reference benchmark of 30% equity and 70% fixed income and cash. GSAM's dynamic asset allocation approach combines strategic, long-term views with tactical tilts to create a diversified strategy that seeks to balance risk and return while navigating changing markets. Each G-MAP is carefully constructed to a specific risk profile and implemented across a variety of asset classes and sub-asset classes through ETFs in an effort to maximize return per unit of risk and diversification.
Traditional model portfolios seek alpha through asset allocation. This is primarily due to the use of passive, market capitalization-weighted ETFs for fund implementation, which typically perform consistent with a traditional benchmark or index. G-MAPs include underlying securities that leverage the advanced strategies of GSAM and are designed to build on the traditional benefits of ETFs by seeking to provide intelligent market exposure and outperform index-based solutions. We believe including innovative products in the G-MAPs results in potential to generate additional alpha. | | | 0.1103 |
| ModelxChange | ATC / Goldman Sachs Asset Management, L.P. | Goldman Sachs S&P Enhanced Growth ETF G-MAP | | | | | | | | | | | | | | | | | 8922 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8922 | 0.0250 | 0 | The Goldman Sachs S&P Enhanced Growth ETF G-MAP is designed for investors who seek capital appreciation and are willing to take above average levels of market risk. It is compared to a reference benchmark of 90% equity and 10% fixed income and cash. GSAM's dynamic asset allocation approach combines strategic, long-term views with tactical tilts to create a diversified strategy that seeks to balance risk and return while navigating changing markets. Each G-MAP is carefully constructed to a specific risk profile and implemented across a variety of asset classes and sub-asset classes through ETFs in an effort to maximize return per unit of risk and diversification.
Traditional model portfolios seek alpha through asset allocation. This is primarily due to the use of passive, market capitalization-weighted ETFs for fund implementation, which typically perform consistent with a traditional benchmark or index. G-MAPs include underlying securities that leverage the advanced strategies of GSAM and are designed to build on the traditional benefits of ETFs by seeking to provide intelligent market exposure and outperform index-based solutions. We believe including innovative products in the G-MAPs results in potential to generate additional alpha. | | | 0.1528 |
| ModelxChange | ATC / Goldman Sachs Asset Management, L.P. | Goldman Sachs S&P Growth ETF G-MAP | | | | | | | | | | | | | | | | | 8921 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8921 | 0.0250 | 0 | The Goldman Sachs S&P Growth ETF G-MAP is designed for investors who seek capital appreciation and are willing to take average levels of market risk. It is compared to a reference benchmark of 80% equity and 20% fixed income and cash. GSAM's dynamic asset allocation approach combines strategic, long-term views with tactical tilts to create a diversified strategy that seeks to balance risk and return while navigating changing markets. Each G-MAP is carefully constructed to a specific risk profile and implemented across a variety of asset classes and sub-asset classes through ETFs in an effort to maximize return per unit of risk and diversification.
Traditional model portfolios seek alpha through asset allocation. This is primarily due to the use of passive, market capitalization-weighted ETFs for fund implementation, which typically perform consistent with a traditional benchmark or index. G-MAPs include underlying securities that leverage the advanced strategies of GSAM and are designed to build on the traditional benefits of ETFs by seeking to provide intelligent market exposure and outperform index-based solutions. We believe including innovative products in the G-MAPs results in potential to generate additional alpha. | | | 0.1473 |
| ModelxChange | ATC / Goldman Sachs Asset Management, L.P. | Goldman Sachs S&P Moderate Conservative ETF G-MAP | | | | | | | | | | | | | | | | | 8918 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8918 | 0.0250 | 0 | The Goldman Sachs S&P Moderate Conservative ETF G-MAP is designed for investors who seek capital appreciation but are somewhat risk averse. It is compared to a reference benchmark of 50% equity and 50% fixed income and cash. GSAM's dynamic asset allocation approach combines strategic, long-term views with tactical tilts to create a diversified strategy that seeks to balance risk and return while navigating changing markets. Each G-MAP is carefully constructed to a specific risk profile and implemented across a variety of asset classes and sub-asset classes through ETFs in an effort to maximize return per unit of risk and diversification.
Traditional model portfolios seek alpha through asset allocation. This is primarily due to the use of passive, market capitalization-weighted ETFs for fund implementation, which typically perform consistent with a traditional benchmark or index. G-MAPs include underlying securities that leverage the advanced strategies of GSAM and are designed to build on the traditional benefits of ETFs by seeking to provide intelligent market exposure and outperform index-based solutions. We believe including innovative products in the G-MAPs results in potential to generate additional alpha. | | | 0.1282 |
| ModelxChange | ATC / Goldman Sachs Asset Management, L.P. | Goldman Sachs S&P Moderate ETF G-MAP | | | | | | | | | | | | | | | | | 8919 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8919 | 0.0250 | 0 | The Goldman Sachs S&P Moderate ETF G-MAP is designed for investors who seek capital appreciation but are somewhat risk averse. It is compared to a reference benchmark of 60% equity and 40% fixed income and cash. GSAM's dynamic asset allocation approach combines strategic, long-term views with tactical tilts to create a diversified strategy that seeks to balance risk and return while navigating changing markets. Each G-MAP is carefully constructed to a specific risk profile and implemented across a variety of asset classes and sub-asset classes through ETFs in an effort to maximize return per unit of risk and diversification.
Traditional model portfolios seek alpha through asset allocation. This is primarily due to the use of passive, market capitalization-weighted ETFs for fund implementation, which typically perform consistent with a traditional benchmark or index. G-MAPs include underlying securities that leverage the advanced strategies of GSAM and are designed to build on the traditional benefits of ETFs by seeking to provide intelligent market exposure and outperform index-based solutions. We believe including innovative products in the G-MAPs results in potential to generate additional alpha. | | | 0.1351 |
| ModelxChange | ATC / Goldman Sachs Asset Management, L.P. | Goldman Sachs S&P Moderate Growth ETF G-MAP | | | | | | | | | | | | | | | | | 8920 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8920 | 0.0250 | 0 | The Goldman Sachs S&P Moderate Growth ETF G-MAP Strategy is designed for investors who seek capital appreciation and are willing to take average levels of market risk. It is compared to a reference benchmark of 70% equity and 30% fixed income and cash. GSAM's dynamic asset allocation approach combines strategic, long-term views with tactical tilts to create a diversified strategy that seeks to balance risk and return while navigating changing markets. Each G-MAP is carefully constructed to a specific risk profile and implemented across a variety of asset classes and sub-asset classes through ETFs in an effort to maximize return per unit of risk and diversification.
Traditional model portfolios seek alpha through asset allocation. This is primarily due to the use of passive, market capitalization-weighted ETFs for fund implementation, which typically perform consistent with a traditional benchmark or index. G-MAPs include underlying securities that leverage the advanced strategies of GSAM and are designed to build on the traditional benefits of ETFs by seeking to provide intelligent market exposure and outperform index-based solutions. We believe including innovative products in the G-MAPs results in potential to generate additional alpha. | | | 0.1403 |
| ModelxChange | ATC / Goldman Sachs Asset Management, L.P. | Goldman Sachs S&P Ultra Conservative Income ETF G-MAP | | | | | | | | | | | | | | | | | 8915 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8915 | 0.0250 | 0 | The Goldman Sachs S&P Ultra Conservative Income ETF G-MAP is designed for investors who seek to maximize current income consistent with a targeted level of risk, with a focus on income-paying securities. It is compared to a reference benchmark of 20% equity and 80% fixed income and cash. GSAM's dynamic asset allocation approach combines strategic, long-term views with tactical tilts to create a diversified strategy that seeks to balance risk and return while navigating changing markets. Each G-MAP is carefully constructed to a specific risk profile and implemented across a variety of asset classes and sub-asset classes through ETFs in an effort to maximize return per unit of risk and diversification.
Traditional model portfolios seek alpha through asset allocation. This is primarily due to the use of passive, market capitalization-weighted ETFs for fund implementation, which typically perform consistent with a traditional benchmark or index. G-MAPs include underlying securities that leverage the advanced strategies of GSAM and are designed to build on the traditional benefits of ETFs by seeking to provide intelligent market exposure and outperform index-based solutions. We believe including innovative products in the G-MAPs results in potential to generate additional alpha. | | | 0.1053 |
| ModelxChange | ATC / PGIM Investments LLC | PGIM Core Bond Model | | | | | | | | | | | | | | | | | 10690 | Intermediate Core Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10690 | 0.0250 | 0 | The PGIM Core Bond Model seeks total return by investing in a diversified model portfolio of active fixed income mutual funds and ETFs, and passive instruments, including but not limited to portfolios with investment-grade fixed income securities, U.S. government securities, mortgage-related securities, and corporate debt. As the investment manager, American Trust Company utilizes the PGIM Strategist Models in managing client investments and is solely responsible for managing those investments. PGIM affiliates PGIM Quantitative Solutions and Strategic Investment Research Group (SIRG) of PGIM Investments provide asset allocation, manager research, and portfolio construction and risk management for the PGIM Strategist Models. Since 2005, these two deeply resourced and experienced teams have partnered on asset allocation portfolios designed to meet clients’ needs. As of March 31, 2022 they collectively manage approximately $78 billion in assets under management across 34 strategies.
The professionals at PGIM Quantitative Solutions employ a forward-looking and flexible approach to asset allocation. They focus on performance and volatility expectations, which they derive through a blend of quantitative and qualitative analysis. The SIRG team is tasked with identifying manager skill using both qualitative and quantitative inputs. Acting as a consultant on over $489 billion in assets under advisement (AUA) leads to in-depth and unique insights across the active management universe. | | 0.1469 | 0.3545 |
| ModelxChange | ATC / PGIM Investments LLC | PGIM Core Plus Bond Model | | | | | | | | | | | | | | | | | 10691 | Intermediate Core-Plus Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10691 | 0.0250 | 0 | The PGIM Core Plus Bond Model seeks total return by investing in a diversified model portfolio of active and passive mutual funds and ETFs from multiple fixed income sectors. The Model may be appropriate for investors seeking current income and capital appreciation in a diversified fixed income investment. As the investment manager, American Trust Company utilizes the PGIM Strategist Models in managing client investments and is solely responsible for managing those investments. PGIM affiliates PGIM Quantitative Solutions and Strategic Investment Research Group (SIRG) of PGIM Investments provide asset allocation, manager research, and portfolio construction and risk management for the PGIM Strategist Models. Since 2005, these two deeply resourced and experienced teams have partnered on asset allocation portfolios designed to meet clients’ needs. As of March 31, 2022 they collectively manage approximately $78 billion in assets under management across 34 strategies.
The professionals at PGIM Quantitative Solutions employ a forward-looking and flexible approach to asset allocation. They focus on performance and volatility expectations, which they derive through a blend of quantitative and qualitative analysis. The SIRG team is tasked with identifying manager skill using both qualitative and quantitative inputs. Acting as a consultant on over $489 billion in assets under advisement (AUA) leads to in-depth and unique insights across the active management universe. | | 0.1823 | 0.4081 |
| ModelxChange | ATC / PGIM Investments LLC | PGIM High Income Bond Model | | | | | | | | | | | | | | | | | 10692 | Intermediate Core-Plus Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10692 | 0.0250 | 0 | The PGIM High Income Bond Model seeks to maximize current income by investing in a portion of the Model in active and passive high-yield, floating rate, and emerging markets mutual funds and ETFs. Capital growth is a secondary goal. The Fund may be appropriate for investors willing to take on higher risk to achieve higher current income and potential capital appreciation. As the investment manager, American Trust Company utilizes the PGIM Strategist Models in managing client investments and is solely responsible for managing those investments. PGIM affiliates PGIM Quantitative Solutions and Strategic Investment Research Group (SIRG) of PGIM Investments provide asset allocation, manager research, and portfolio construction and risk management for the PGIM Strategist Models. Since 2005, these two deeply resourced and experienced teams have partnered on asset allocation portfolios designed to meet clients’ needs. As of March 31, 2022 they collectively manage approximately $78 billion in assets under management across 34 strategies.
The professionals at PGIM Quantitative Solutions employ a forward-looking and flexible approach to asset allocation. They focus on performance and volatility expectations, which they derive through a blend of quantitative and qualitative analysis. The SIRG team is tasked with identifying manager skill using both qualitative and quantitative inputs. Acting as a consultant on over $489 billion in assets under advisement (AUA) leads to in-depth and unique insights across the active management universe. | | 0.2009 | 0.4860 |
| ModelxChange | ATC / PGIM Investments LLC | PGIM Low Duration Bond Model | | | | | | | | | | | | | | | | | 10689 | Short-Term Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10689 | 0.0250 | 0 | The PGIM Low Duration Bond Model seeks total return by investing in a diversified model portfolio of shorter duration, active fixed income mutual funds and ETFs, and passive instruments, including but not limited to portfolios with U.S. government securities, mortgage-related securities, and corporate debt. As the investment manager, American Trust Company utilizes the PGIM Strategist Models in managing client investments and is solely responsible for managing those investments. PGIM affiliates PGIM Quantitative Solutions and Strategic Investment Research Group (SIRG) of PGIM Investments provide asset allocation, manager research, and portfolio construction and risk management for the PGIM Strategist Models. Since 2005, these two deeply resourced and experienced teams have partnered on asset allocation portfolios designed to meet clients’ needs. As of March 31, 2022 they collectively manage approximately $78 billion in assets under management across 34 strategies.
The professionals at PGIM Quantitative Solutions employ a forward-looking and flexible approach to asset allocation. They focus on performance and volatility expectations, which they derive through a blend of quantitative and qualitative analysis. The SIRG team is tasked with identifying manager skill using both qualitative and quantitative inputs. Acting as a consultant on over $489 billion in assets under advisement (AUA) leads to in-depth and unique insights across the active management universe. | | 0.1118 | 0.3098 |
| ModelxChange | ATC / PGIM Investments LLC | PGIM Strategist Models: Aggressive Model | | | | | | | | | | | | | | | | | 9043 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9043 | 0.0250 | 0 | The PGIM Strategist Aggressive Model seeks long-term capital appreciation by investing in a predominantly equity-focused portfolio. Designed for investors seeking to maximize capital appreciation over a long-term time horizon and with the ability to withstand market volatility and capital drawdowns. As the investment manager, American Trust Company utilizes the PGIM Strategist Models in managing client investments and is solely responsible for managing those investments. PGIM affiliates PGIM Quantitative Solutions and Strategic Investment Research Group (SIRG) of PGIM Investments provide asset allocation, manager research, and portfolio construction and risk management for the PGIM Strategist Models. Since 2005, these two deeply resourced and experienced teams have partnered on asset allocation portfolios designed to meet clients’ needs. As of March 31, 2022 they collectively manage approximately $78 billion in assets under management across 34 strategies.
The professionals at PGIM Quantitative Solutions employ a forward-looking and flexible approach to asset allocation. They focus on performance and volatility expectations, which they derive through a blend of quantitative and qualitative analysis. The SIRG team is tasked with identifying manager skill using both qualitative and quantitative inputs. Acting as a consultant on over $489 billion in assets under advisement (AUA) leads to in-depth and unique insights across the active management universe. | | 0.1085 | 0.3607 |
| ModelxChange | ATC / PGIM Investments LLC | PGIM Strategist Models: Balanced Model | | | | | | | | | | | | | | | | | 9040 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9040 | 0.0250 | 0 | The PGIM Strategist Balanced Model allocates to equity and fixed-income investments, with a greater emphasis on equity securities. Designed for investors seeking capital appreciation with moderate levels of risk and who have a mid- to long-term time horizon. As the investment manager, American Trust Company utilizes the PGIM Strategist Models in managing client investments and is solely responsible for managing those investments. PGIM affiliates PGIM Quantitative Solutions and Strategic Investment Research Group (SIRG) of PGIM Investments provide asset allocation, manager research, and portfolio construction and risk management for the PGIM Strategist Models. Since 2005, these two deeply resourced and experienced teams have partnered on asset allocation portfolios designed to meet clients’ needs. As of March 31, 2022 they collectively manage approximately $78 billion in assets under management across 34 strategies.
The professionals at PGIM Quantitative Solutions employ a forward-looking and flexible approach to asset allocation. They focus on performance and volatility expectations, which they derive through a blend of quantitative and qualitative analysis. The SIRG team is tasked with identifying manager skill using both qualitative and quantitative inputs. Acting as a consultant on over $489 billion in assets under advisement (AUA) leads to in-depth and unique insights across the active management universe. | | 0.1381 | 0.3944 |
| ModelxChange | ATC / PGIM Investments LLC | PGIM Strategist Models: Capital Growth Model | | | | | | | | | | | | | | | | | 9042 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9042 | 0.0250 | 0 | The PGIM Strategist Capital Growth Model invests a majority of assets in equity investments along with a modest mix of fixed income for diversification purposes. Designed for investors with a relatively long-term time horizon and who have the ability to withstand market volatility and capital drawdowns. As the investment manager, American Trust Company utilizes the PGIM Strategist Models in managing client investments and is solely responsible for managing those investments. PGIM affiliates PGIM Quantitative Solutions and Strategic Investment Research Group (SIRG) of PGIM Investments provide asset allocation, manager research, and portfolio construction and risk management for the PGIM Strategist Models. Since 2005, these two deeply resourced and experienced teams have partnered on asset allocation portfolios designed to meet clients’ needs. As of March 31, 2022 they collectively manage approximately $78 billion in assets under management across 34 strategies.
The professionals at PGIM Quantitative Solutions employ a forward-looking and flexible approach to asset allocation. They focus on performance and volatility expectations, which they derive through a blend of quantitative and qualitative analysis. The SIRG team is tasked with identifying manager skill using both qualitative and quantitative inputs. Acting as a consultant on over $489 billion in assets under advisement (AUA) leads to in-depth and unique insights across the active management universe. | | 0.1249 | 0.3844 |
| ModelxChange | ATC / PGIM Investments LLC | PGIM Strategist Models: Defensive Model | | | | | | | | | | | | | | | | | 9038 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9038 | 0.0250 | 0 | The PGIM Strategist Defensive Model seeks to provide principal protection by investing primarily in fixed income securities. Designed for investors who have little tolerance for volatility of capital and are willing to accept lower returns in exchange for potential stability. As the investment manager, American Trust Company utilizes the PGIM Strategist Models in managing client investments and is solely responsible for managing those investments. PGIM affiliates PGIM Quantitative Solutions and Strategic Investment Research Group (SIRG) of PGIM Investments provide asset allocation, manager research, and portfolio construction and risk management for the PGIM Strategist Models. Since 2005, these two deeply resourced and experienced teams have partnered on asset allocation portfolios designed to meet clients’ needs. As of March 31, 2022 they collectively manage approximately $78 billion in assets under management across 34 strategies.
The professionals at PGIM Quantitative Solutions employ a forward-looking and flexible approach to asset allocation. They focus on performance and volatility expectations, which they derive through a blend of quantitative and qualitative analysis. The SIRG team is tasked with identifying manager skill using both qualitative and quantitative inputs. Acting as a consultant on over $489 billion in assets under advisement (AUA) leads to in-depth and unique insights across the active management universe. | | 0.1707 | 0.4098 |
| ModelxChange | ATC / PGIM Investments LLC | PGIM Strategist Models: Income Model | | | | | | | | | | | | | | | | | 9041 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9041 | 0.0250 | 0 | The PGIM Strategist Income Model allocates to equity and fixed-income investments, with a greater emphasis on equity securities. Designed for investors seeking a balance between capital appreciation and current income, who have a mid- to long-term time horizon and be willing accept some risk in pursuit of better returns. As the investment manager, American Trust Company utilizes the PGIM Strategist Models in managing client investments and is solely responsible for managing those investments. PGIM affiliates PGIM Quantitative Solutions and Strategic Investment Research Group (SIRG) of PGIM Investments provide asset allocation, manager research, and portfolio construction and risk management for the PGIM Strategist Models. Since 2005, these two deeply resourced and experienced teams have partnered on asset allocation portfolios designed to meet clients’ needs. As of March 31, 2022 they collectively manage approximately $78 billion in assets under management across 34 strategies.
The professionals at PGIM Quantitative Solutions employ a forward-looking and flexible approach to asset allocation. They focus on performance and volatility expectations, which they derive through a blend of quantitative and qualitative analysis. The SIRG team is tasked with identifying manager skill using both qualitative and quantitative inputs. Acting as a consultant on over $489 billion in assets under advisement (AUA) leads to in-depth and unique insights across the active management universe. | | 0.1456 | 0.5330 |
| ModelxChange | ATC / PGIM Investments LLC | PGIM Strategist Models: Preservation Model | | | | | | | | | | | | | | | | | 9039 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9039 | 0.0250 | 0 | The PGIM Strategist Preservation Model seeks to provide portfolio stability and current income with moderate portfolio appreciation. Designed for investors who desire regular income in the form of dividends and interest, along with the potential for modest capital growth. As the investment manager, American Trust Company utilizes the PGIM Strategist Models in managing client investments and is solely responsible for managing those investments. PGIM affiliates PGIM Quantitative Solutions and Strategic Investment Research Group (SIRG) of PGIM Investments provide asset allocation, manager research, and portfolio construction and risk management for the PGIM Strategist Models. Since 2005, these two deeply resourced and experienced teams have partnered on asset allocation portfolios designed to meet clients’ needs. As of March 31, 2022 they collectively manage approximately $78 billion in assets under management across 34 strategies.
The professionals at PGIM Quantitative Solutions employ a forward-looking and flexible approach to asset allocation. They focus on performance and volatility expectations, which they derive through a blend of quantitative and qualitative analysis. The SIRG team is tasked with identifying manager skill using both qualitative and quantitative inputs. Acting as a consultant on over $489 billion in assets under advisement (AUA) leads to in-depth and unique insights across the active management universe. | | 0.1555 | 0.4072 |
| ModelxChange | ATC / Vanguard | Vanguard CRSP 10% Equity/ 90% Fixed Income | 02/28/2026 12:00:00 AM | 2.0946 | 7.0846 | 6.4138 | 1.5085 | 2.0946 | 7.2104 | 3.2121 | 7.8418 | -13.2150 | 0.1078 | 5.12 | 6.24 | 0.3 | -0.29 | | 12097 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12097 | 0.0250 | 0 | As the underlying funds are index funds and the strategy does not incorporate active or tactical allocation shifts in the portfolios’ compositions, the returns from each portfolio should very closely approximate those for the benchmarks.
Over time, this strategy would be expected to trail its passive benchmark by an amount approximately equal to the portfolio’s weighted average expense ratio, but it would also be expected to outperform its peer-group average return because of its low costs and broad diversification As the investment manager, American Trust Company utilizes the Vanguard ETF Strategic Models in managing client investments and is solely responsible for managing those investments. The Vanguard ETF Strategic Model portfolios are offered in asset allocation increments of 10% to target specific risk and return objectives. Vanguard believes in goals-based investing and determining the appropriate asset allocations that correspond to an investor’s investment horizon. The strategies are risk based and will stay at their stock to bond mix with an annual rebalance. The passively managed ETF strategy gives a high potential for tax efficiency. With these model portfolios, you will always have an allocation to each of the major asset classes (US Stock, International Stock, US Bond, International Hedged Bonds), styles (growth/value), and sub-asset allocations. | | | 0.0675 |
| ModelxChange | ATC / Vanguard | Vanguard CRSP 100% Fixed Income | 02/28/2026 12:00:00 AM | 1.7895 | | | | 1.7895 | | 1.7858 | 6.5751 | -12.8388 | -1.7980 | | | | | | 12096 | Intermediate Core Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12096 | 0.0250 | 0 | As the underlying funds are index funds and the strategy does not incorporate active or tactical allocation shifts in the portfolios’ compositions, the returns from each portfolio should very closely approximate those for the benchmarks.
Over time, this strategy would be expected to trail its passive benchmark by an amount approximately equal to the portfolio’s weighted average expense ratio, but it would also be expected to outperform its peer-group average return because of its low costs and broad diversification.
As the investment manager, American Trust Company utilizes the Vanguard ETF Strategic Models in managing client investments and is solely responsible for managing those investments. The Vanguard ETF Strategic Model portfolios are offered in asset allocation increments of 10% to target specific risk and return objectives. Vanguard believes in goals-based investing and determining the appropriate asset allocations that correspond to an investor’s investment horizon. The strategies are risk based and will stay at their stock to bond mix with an annual rebalance. The passively managed ETF strategy gives a high potential for tax efficiency. With these model portfolios, you will always have an allocation to each of the major asset classes (US Stock, International Stock, US Bond, International Hedged Bonds), styles (growth/value), and sub-asset allocations. | | | 0.0684 |
| ModelxChange | ATC / Vanguard | Vanguard CRSP 20% Equity/80% Fixed Income | 02/28/2026 12:00:00 AM | 2.4340 | | | | 2.4340 | | 4.4173 | 9.4244 | -13.6402 | 2.0558 | | | | | | 12098 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12098 | 0.0250 | 0 | As the underlying funds are index funds and the strategy does not incorporate active or tactical allocation shifts in the portfolios’ compositions, the returns from each portfolio should very closely approximate those for the benchmarks.
Over time, this strategy would be expected to trail its passive benchmark by an amount approximately equal to the portfolio’s weighted average expense ratio, but it would also be expected to outperform its peer-group average return because of its low costs and broad diversification.
As the investment manager, American Trust Company utilizes the Vanguard ETF Strategic Models in managing client investments and is solely responsible for managing those investments. The Vanguard ETF Strategic Model portfolios are offered in asset allocation increments of 10% to target specific risk and return objectives. Vanguard believes in goals-based investing and determining the appropriate asset allocations that correspond to an investor’s investment horizon. The strategies are risk based and will stay at their stock to bond mix with an annual rebalance. The passively managed ETF strategy gives a high potential for tax efficiency. With these model portfolios, you will always have an allocation to each of the major asset classes (US Stock, International Stock, US Bond, International Hedged Bonds), styles (growth/value), and sub-asset allocations. | | | 0.0666 |
| ModelxChange | ATC / Vanguard | Vanguard CRSP 30% Equity/ 70% Fixed Income | 02/28/2026 12:00:00 AM | 2.7659 | | | | 2.7659 | | 5.8532 | 10.8851 | -14.0778 | 3.9778 | | | | | | 12099 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12099 | 0.0250 | 0 | As the underlying funds are index funds and the strategy does not incorporate active or tactical allocation shifts in the portfolios’ compositions, the returns from each portfolio should very closely approximate those for the benchmarks.
Over time, this strategy would be expected to trail its passive benchmark by an amount approximately equal to the portfolio’s weighted average expense ratio, but it would also be expected to outperform its peer-group average return because of its low costs and broad diversification.
As the investment manager, American Trust Company utilizes the Vanguard ETF Strategic Models in managing client investments and is solely responsible for managing those investments. The Vanguard ETF Strategic Model portfolios are offered in asset allocation increments of 10% to target specific risk and return objectives. Vanguard believes in goals-based investing and determining the appropriate asset allocations that correspond to an investor’s investment horizon. The strategies are risk based and will stay at their stock to bond mix with an annual rebalance. The passively managed ETF strategy gives a high potential for tax efficiency. With these model portfolios, you will always have an allocation to each of the major asset classes (US Stock, International Stock, US Bond, International Hedged Bonds), styles (growth/value), and sub-asset allocations. | | | 0.0658 |
| ModelxChange | ATC / Vanguard | Vanguard CRSP 40% Equity/ 60% Fixed Income | 02/28/2026 12:00:00 AM | 3.0875 | 12.8719 | 10.8720 | 4.8283 | 3.0875 | 12.1293 | 7.1654 | 12.3801 | -14.5139 | 5.9698 | 6.55 | 8.44 | 0.88 | 0.19 | | 12100 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12100 | 0.0250 | 0 | As the underlying funds are index funds and the strategy does not incorporate active or tactical allocation shifts in the portfolios’ compositions, the returns from each portfolio should very closely approximate those for the benchmarks.
Over time, this strategy would be expected to trail its passive benchmark by an amount approximately equal to the portfolio’s weighted average expense ratio, but it would also be expected to outperform its peer-group average return because of its low costs and broad diversification. As the investment manager, American Trust Company utilizes the Vanguard ETF Strategic Models in managing client investments and is solely responsible for managing those investments. The Vanguard ETF Strategic Model portfolios are offered in asset allocation increments of 10% to target specific risk and return objectives. Vanguard believes in goals-based investing and determining the appropriate asset allocations that correspond to an investor’s investment horizon. The strategies are risk based and will stay at their stock to bond mix with an annual rebalance. The passively managed ETF strategy gives a high potential for tax efficiency. With these model portfolios, you will always have an allocation to each of the major asset classes (US Stock, International Stock, US Bond, International Hedged Bonds), styles (growth/value), and sub-asset allocations. | | | 0.0649 |
| ModelxChange | ATC / Vanguard | Vanguard CRSP 50% Equity/ 50% Fixed Income | 02/28/2026 12:00:00 AM | 3.2529 | 14.0184 | 12.0933 | 5.7723 | 3.2529 | 13.0946 | 8.6821 | 13.7340 | -14.9742 | 7.9666 | 7.01 | 9.21 | 0.98 | 0.28 | | 12101 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12101 | 0.0250 | 0 | As the underlying funds are index funds and the strategy does not incorporate active or tactical allocation shifts in the portfolios’ compositions, the returns from each portfolio should very closely approximate those for the benchmarks.
Over time, this strategy would be expected to trail its passive benchmark by an amount approximately equal to the portfolio’s weighted average expense ratio, but it would also be expected to outperform its peer-group average return because of its low costs and broad diversification. As the investment manager, American Trust Company utilizes the Vanguard ETF Strategic Models in managing client investments and is solely responsible for managing those investments. The Vanguard ETF Strategic Model portfolios are offered in asset allocation increments of 10% to target specific risk and return objectives. Vanguard believes in goals-based investing and determining the appropriate asset allocations that correspond to an investor’s investment horizon. The strategies are risk based and will stay at their stock to bond mix with an annual rebalance. The passively managed ETF strategy gives a high potential for tax efficiency. With these model portfolios, you will always have an allocation to each of the major asset classes (US Stock, International Stock, US Bond, International Hedged Bonds), styles (growth/value), and sub-asset allocations. | | | 0.0641 |
| ModelxChange | ATC / Vanguard | Vanguard CRSP 60% Equity/ 40% Fixed Income | 02/28/2026 12:00:00 AM | 3.6081 | 16.5321 | 13.7717 | 6.9687 | 3.6081 | 15.3419 | 9.8619 | 15.3411 | -15.4580 | 10.0070 | 7.75 | 10.15 | 1.09 | 0.37 | | 12102 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12102 | 0.0250 | 0 | As the underlying funds are index funds and the strategy does not incorporate active or tactical allocation shifts in the portfolios’ compositions, the returns from each portfolio should very closely approximate those for the benchmarks.
Over time, this strategy would be expected to trail its passive benchmark by an amount approximately equal to the portfolio’s weighted average expense ratio, but it would also be expected to outperform its peer-group average return because of its low costs and broad diversification.
As the investment manager, American Trust Company utilizes the Vanguard ETF Strategic Models in managing client investments and is solely responsible for managing those investments. The Vanguard ETF Strategic Model portfolios are offered in asset allocation increments of 10% to target specific risk and return objectives. Vanguard believes in goals-based investing and determining the appropriate asset allocations that correspond to an investor’s investment horizon. The strategies are risk based and will stay at their stock to bond mix with an annual rebalance. The passively managed ETF strategy gives a high potential for tax efficiency. With these model portfolios, you will always have an allocation to each of the major asset classes (US Stock, International Stock, US Bond, International Hedged Bonds), styles (growth/value), and sub-asset allocations. | | | 0.0632 |
| ModelxChange | ATC / Vanguard | Vanguard CRSP 70% Equity/ 30% Fixed Income | 02/28/2026 12:00:00 AM | 3.8648 | 18.4523 | 15.1672 | 8.0001 | 3.8648 | 17.0037 | 11.0969 | 16.7267 | -15.9424 | 12.0622 | 8.25 | 10.98 | 1.18 | 0.44 | | 12103 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12103 | 0.0250 | 0 | As the underlying funds are index funds and the strategy does not incorporate active or tactical allocation shifts in the portfolios’ compositions, the returns from each portfolio should very closely approximate those for the benchmarks.
Over time, this strategy would be expected to trail its passive benchmark by an amount approximately equal to the portfolio’s weighted average expense ratio, but it would also be expected to outperform its peer-group average return because of its low costs and broad diversification. As the investment manager, American Trust Company utilizes the Vanguard ETF Strategic Models in managing client investments and is solely responsible for managing those investments. The Vanguard ETF Strategic Model portfolios are offered in asset allocation increments of 10% to target specific risk and return objectives. Vanguard believes in goals-based investing and determining the appropriate asset allocations that correspond to an investor’s investment horizon. The strategies are risk based and will stay at their stock to bond mix with an annual rebalance. The passively managed ETF strategy gives a high potential for tax efficiency. With these model portfolios, you will always have an allocation to each of the major asset classes (US Stock, International Stock, US Bond, International Hedged Bonds), styles (growth/value), and sub-asset allocations. | | | 0.0623 |
| ModelxChange | ATC / Vanguard | Vanguard CRSP 80% Equity/ 20% Fixed Income | 02/28/2026 12:00:00 AM | 4.2714 | 20.7081 | 16.8543 | 9.1813 | 4.2714 | 18.8681 | 12.5929 | 18.3466 | -16.4600 | 14.1304 | 9.08 | 11.98 | 1.24 | 0.5 | | 12104 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12104 | 0.0250 | 0 | As the underlying funds are index funds and the strategy does not incorporate active or tactical allocation shifts in the portfolios’ compositions, the returns from each portfolio should very closely approximate those for the benchmarks.
Over time, this strategy would be expected to trail its passive benchmark by an amount approximately equal to the portfolio’s weighted average expense ratio, but it would also be expected to outperform its peer-group average return because of its low costs and broad diversification.
As the investment manager, American Trust Company utilizes the Vanguard ETF Strategic Models in managing client investments and is solely responsible for managing those investments. The Vanguard ETF Strategic Model portfolios are offered in asset allocation increments of 10% to target specific risk and return objectives. Vanguard believes in goals-based investing and determining the appropriate asset allocations that correspond to an investor’s investment horizon. The strategies are risk based and will stay at their stock to bond mix with an annual rebalance. The passively managed ETF strategy gives a high potential for tax efficiency. With these model portfolios, you will always have an allocation to each of the major asset classes (US Stock, International Stock, US Bond, International Hedged Bonds), styles (growth/value), and sub-asset allocations. | | | 0.0615 |
| ModelxChange | ATC / Vanguard | Vanguard CRSP 90% Equity/ 10% Fixed Income | 02/28/2026 12:00:00 AM | 4.4866 | 23.1208 | 18.4240 | 10.2910 | 4.4866 | 21.1212 | 13.8370 | 19.7257 | -16.9946 | 16.2232 | 9.59 | 12.85 | 1.32 | 0.56 | | 12105 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12105 | 0.0250 | 0 | As the underlying funds are index funds and the strategy does not incorporate active or tactical allocation shifts in the portfolios’ compositions, the returns from each portfolio should very closely approximate those for the benchmarks.
Over time, this strategy would be expected to trail its passive benchmark by an amount approximately equal to the portfolio’s weighted average expense ratio, but it would also be expected to outperform its peer-group average return because of its low costs and broad diversification.
As the investment manager, American Trust Company utilizes the Vanguard ETF Strategic Models in managing client investments and is solely responsible for managing those investments. The Vanguard ETF Strategic Model portfolios are offered in asset allocation increments of 10% to target specific risk and return objectives. Vanguard believes in goals-based investing and determining the appropriate asset allocations that correspond to an investor’s investment horizon. The strategies are risk based and will stay at their stock to bond mix with an annual rebalance. The passively managed ETF strategy gives a high potential for tax efficiency. With these model portfolios, you will always have an allocation to each of the major asset classes (US Stock, International Stock, US Bond, International Hedged Bonds), styles (growth/value), and sub-asset allocations. | | | 0.0606 |
| ModelxChange | AthenaInvest Advisors LLC | Athena Global Tactical ETFs | | | | | | | | | | | | | | | | | 3107 | Tactical Allocation | | 0.5000 | 0 | The Athena Global Tactical ETFs portfolio seeks to generate long-term growth. The portfolio utilizes patented behavioral market indicators to gauge and select broad market-exposure ETFs among various equity markets, market capitalization or cash each month. The portfolio invests in long or leveraged positions within US small, US large or international equities when market indicators are strong. In certain circumstances the position may be leveraged up to twice the market to enhance returns. During weak conditions, the fund can hold up to 100% in cash. | | | 0.5000 |
| ModelxChange | Aurum Wealth Management Group | Aggressive Balanced | | | | | | | | | | | | | | | | | 608 | Moderate Allocation | | 0.0000 | 0 | Seeks to provide primarily long-term growth of capital. The portfolio features mainly equity investments with smaller allocations to fixed income and alternative strategies. Multiple asset classes seek lower volatility, but investors will experience significant principal fluctuations with the high allocation to equities. Strategic Asset Allocation: 50% Stocks, 30% Alternatives, 17% Bonds, 3% Cash. The Strategic Asset Allocation serves as the long-term target for each asset class. At times, Aurum Wealth Management Group LLC may perceive short or medium-term opportunities and become tactically underweight or overweight certain asset classes, which will cause variance from the Strategic Asset Allocation. The Tactical Asset Allocation reflects those views and indicates the actual allocation to each asset class and fund.
This portfolio is suitable for investors who have at least 15 years until retirement and are looking to maximize long-term growth. The target default age bracket for the Aurum Aggressive Balanced Framework is investors age 40 to 49.
By defaulting into one of the Aurum Asset Allocation Frameworks, your portfolio will remain in that framework until either you make a change in your investment allocation or you reach one the various age brackets at 40, 50, 60, or 70 years of age, respectively. In the year you turn age 40, you will move from the Aggressive Growth Framework to the Aggressive Balanced Framework. In the year you turn age 50, you will move from the Aggressive Balanced Framework to the Moderate Balanced Framework. In the year you turn age 60, you will move the Moderate Balanced Framework to the Conservative Balanced Framework. In the year you turn age 70, you will move from the Conservative Balanced Framework to the Conservative Income Framework. The change to the new Framework will occur on the first trading day of the year you reach age 40, 50, 60, or 70, respectively.
| | | 0.0000 |
| ModelxChange | Aurum Wealth Management Group | Aggressive Growth | | | | | | | | | | | | | | | | | 609 | Moderately Aggressive Allocation | | 0.0000 | 0 | Seeks to maximize long-term capital appreciation. The portfolio invests mainly in U.S. and International equities with small allocations to fixed income and alternative strategies. Due to high equity exposure, investors should expect similar volatility to broad global equity markets subject to significant principal fluctuations. Strategic Asset Allocation: 70% Stocks, 19% Alternatives, 10% Bonds, 1% Cash. The Strategic Asset Allocation serves as the long-term target for each asset class. At times, Aurum Wealth Management Group LLC may perceive short or medium-term opportunities and become tactically underweight or overweight certain asset classes, which will cause variance from the Strategic Asset Allocation. The Tactical Asset Allocation reflects those views and indicates the actual allocation to each asset class and fund.
This portfolio is suitable for investors who have at least 25 years until retirement and are looking to maximize long-term growth. The target default age bracket for the Aurum Aggressive Growth Framework is investors age 18 to 39.
By defaulting into one of the Aurum Asset Allocation Frameworks, your portfolio will remain in that framework until either you make a change in your investment allocation or you reach one the various age brackets at 40, 50, 60, or 70 years of age, respectively. In the year you turn age 40, you will move from the Aggressive Growth Framework to the Aggressive Balanced Framework. In the year you turn age 50, you will move from the Aggressive Balanced Framework to the Moderate Balanced Framework. In the year you turn age 60, you will move the Moderate Balanced Framework to the Conservative Balanced Framework. In the year you turn age 70, you will move from the Conservative Balanced Framework to the Conservative Income Framework. The change to the new Framework will occur on the first trading day of the year you reach age 40, 50, 60, or 70, respectively.
| | | 0.0000 |
| ModelxChange | Aurum Wealth Management Group | Conservative Balanced | | | | | | | | | | | | | | | | | 606 | Moderately Conservative Allocation | | 0.0000 | 0 | Seeks to provide primarily income with some price appreciation. The portfolio features fixed income investments with a smaller allocation to equity and alternative strategies. Because the portfolio has exposure to equity and alternative strategies, investors should expect a moderate level of principal volatility. Strategic Asset Allocation: 45% Bonds, 30% Alternatives, 20% Stocks, 5% Cash. The Strategic Asset Allocation serves as the long-term target for each asset class. At times, Aurum Wealth Management Group LLC may perceive short or medium-term opportunities and become tactically underweight or overweight certain asset classes, which will cause variance from the Strategic Asset Allocation. The Tactical Asset Allocation reflects those views and indicates the actual allocation to each asset class and fund.
This portfolio is suitable for investors within five years of retirement focused on principal preservation while achieving modest growth. The target default age bracket for the Aurum Conservative Balanced Framework is investors age 60 to 69.
By defaulting into one of the Aurum Asset Allocation Frameworks, your portfolio will remain in that framework until either you make a change in your investment allocation or you reach one the various age brackets at 40, 50, 60, or 70 years of age, respectively. In the year you turn age 40, you will move from the Aggressive Growth Framework to the Aggressive Balanced Framework. In the year you turn age 50, you will move from the Aggressive Balanced Framework to the Moderate Balanced Framework. In the year you turn age 60, you will move the Moderate Balanced Framework to the Conservative Balanced Framework. In the year you turn age 70, you will move from the Conservative Balanced Framework to the Conservative Income Framework. The change to the new Framework will occur on the first trading day of the year you reach age 40, 50, 60, or 70, respectively.
| | | 0.0000 |
| ModelxChange | Aurum Wealth Management Group | Conservative Income | | | | | | | | | | | | | | | | | 604 | Moderately Conservative Allocation | | 0.0000 | 0 | Seeks to provide primarily income for retirement. The portfolio features mainly fixed income investments with an allocation to alternative strategies that help offset some of the interest rate and inflation risk associated with fixed income investing. While the portfolio focuses on low volatility, it is still subject to loss of principal. Strategic Asset Allocation: 65% Bonds, 25% Alternatives, 10% Cash. The Strategic Asset Allocation serves as the long-term target for each asset class. At times, Aurum Wealth Management Group LLC may perceive short or medium-term opportunities and become tactically underweight or overweight certain asset classes, which will cause variance from the Strategic Asset Allocation. The Tactical Asset Allocation reflects those views and indicates the actual allocation to each asset class and fund.
This portfolio is suitable for investors who are either retired or near retirement that are concerned with principal preservation. The target default age bracket for the Aurum Conservative Income Framework is investors age 70+.
| | | 0.0000 |
| ModelxChange | Aurum Wealth Management Group | Moderate Balanced | | | | | | | | | | | | | | | | | 607 | Moderate Allocation | | 0.0000 | 0 | Seeks to provide long-term growth of capital. The portfolio typically balances equity, fixed income, and alternative strategies to provide long-term price appreciation. While the portfolio focuses on reducing volatility, it will experience significant principal fluctuations. Strategic Asset Allocation: 35% Stock, 30% Bonds, 30% Alternatives, 5% Cash. The Strategic Asset Allocation serves as the long-term target for each asset class. At times, Aurum Wealth Management Group LLC may perceive short or medium-term opportunities and become tactically underweight or overweight certain asset classes, which will cause variance from the Strategic Asset Allocation. The Tactical Asset Allocation reflects those views and indicates the actual allocation to each asset class and fund.
This portfolio is suitable for investors with more than five years until retirement and are looking for long-term growth while focusing on reducing the volatility experience over this time frame. The target default age bracket for the Aurum Moderate Balanced Framework is investors age 50 to 59.
By defaulting into one of the Aurum Asset Allocation Frameworks, your portfolio will remain in that framework until either you make a change in your investment allocation or you reach one the various age brackets at 40, 50, 60, or 70 years of age, respectively. In the year you turn age 40, you will move from the Aggressive Growth Framework to the Aggressive Balanced Framework. In the year you turn age 50, you will move from the Aggressive Balanced Framework to the Moderate Balanced Framework. In the year you turn age 60, you will move the Moderate Balanced Framework to the Conservative Balanced Framework. In the year you turn age 70, you will move from the Conservative Balanced Framework to the Conservative Income Framework. The change to the new Framework will occur on the first trading day of the year you reach age 40, 50, 60, or 70, respectively.
| | | 0.0000 |
| ModelxChange | Beacon Capital Management, Inc. | Vantage 2.0 Aggressive - Unmanaged* | | | | | | | | | | | | | | | | | 1793 | Tactical Allocation | | 0.4000 | 0 | The Vantage 2.0 models are total return portfolios with a primary investment objective of risk management/principle protection and with a secondary objective of generating more consistent returns in the midst of market volatility and throughout various market cycles. Note as total return portfolios, the Vantage 2.0 models are not designed to outperform a specific benchmark or to generate a target rate of return. The Vantage 2.0 models are for investors seeking more consistent results. These portfolios are designed to avoid significant losses while attempting to enhance long-term returns. Investors are willing to sacrifice the highest possible returns in the market for a higher level of risk control. | | | 0.4000 |
| ModelxChange | Beacon Capital Management, Inc. | Vantage 2.0 Balanced - Unmanaged* | | | | | | | | | | | | | | | | | 1871 | Tactical Allocation | | 0.4000 | 0 | The Vantage 2.0 models are total return portfolios with a primary investment objective of risk management/principle protection and with a secondary objective of generating more consistent returns in the midst of market volatility and throughout various market cycles. Note as total return portfolios, the Vantage 2.0 models are not designed to outperform a specific benchmark or to generate a target rate of return. The Vantage 2.0 models are for investors seeking more consistent results. These portfolios are designed to avoid significant losses while attempting to enhance long-term returns. Investors are willing to sacrifice the highest possible returns in the market for a higher level of risk control. | | | 0.4000 |
| ModelxChange | Beacon Capital Management, Inc. | Vantage 2.0 Conservative - Unmanaged* | | | | | | | | | | | | | | | | | 1872 | Tactical Allocation | | 0.4000 | 0 | The Vantage 2.0 models are total return portfolios with a primary investment objective of risk management/principle protection and with a secondary objective of generating more consistent returns in the midst of market volatility and throughout various market cycles. Note as total return portfolios, the Vantage 2.0 models are not designed to outperform a specific benchmark or to generate a target rate of return. The Vantage 2.0 models are for investors seeking more consistent results. These portfolios are designed to avoid significant losses while attempting to enhance long-term returns. Investors are willing to sacrifice the highest possible returns in the market for a higher level of risk control. | | | 0.4000 |
| ModelxChange | Beacon Capital Management, Inc. | Vantage 3.0 Aggressive - Unmanaged* | | | | | | | | | | | | | | | | | 2582 | Tactical Allocation | | 0.4000 | 0 | The Vantage 3.0 Aggressive, Balanced and Conservative portfolios seek to minimize losses while striving to participate in the market's upside by monitoring each of the 11 Vanguard Sector ETFs individually and as each sector falls below its sell point, a loss reduction trade is triggered and the equity assets represented by that sector only are shifted to our bond portfolio. Holdings in the Alternative and Bond portfolios follow the same mechanical loss reduction strategy (alternative positions move to bonds and bond positions move to a short-term bond fund when they cross their "bear" trading trend-line). Conversely, when a sector/holding which has been shifted from its normal allocation then crosses its "bull" trading trend-line, the allocation portion represented by that holding is liquidated from its defensive position and reallocated back to its normal allocation. The standard investment allocation is the Normal Allocation that is used the majority of the time. The Normal Allocation consists of equities, bonds, and cash. The equity allocation is equally divided among the 11 Vanguard sector ETFs. The bond allocation is equally divided among four Vanguard bond ETFs that provide exposure to extended, long, intermediate, and inflation-protected bonds. Each allocation also includes a cash position. As an equity sector shows weakness and enters, what is believed to be, a bear trend, those funds are moved to the bond allocation. As a bond sector shows weakness and enters, what is believed to be, a bear trend, those funds are moved to a further defensive short-term bond position.
Each sector is monitored daily with a specific benchmark index. When a benchmark index falls below the bear trend line, the sector is sold and the funds are reallocated to the Vantage 3.0 Bond portfolio. When a benchmark index moves above the bull trend line, funds are moved from the Vantage 3.0 Bond portfolio and used to buy the sector once again.
The Vantage 3.0 strategy creates the bull and bear trend lines based upon a proprietary blend of five moving averages. These moving averages attempt to provide a guide to the long-term trend of each sector. | | | 0.4000 |
| ModelxChange | Beacon Capital Management, Inc. | Vantage 3.0 Alternative - Unmanaged* | | | | | | | | | | | | | | | | | 2586 | Tactical Allocation | | 0.4000 | 0 | The Vantage 3.0 Alternative Portfolio seeks to minimize losses while striving to participate in the market's upside by monitoring each of the 3 PowerShares Alternative ETFs individually and as each alternative sector falls below its sell point ("bear" trading trend-line), a loss reduction trade is triggered and the assets represented by that alternative holding only are shifted to our bond portfolio. Conversely, when an alternative holding which has been shifted from its normal allocation then crosses its "bull" trading trend-line, the allocation portion represented by that holding is liquidated from its defensive position and reallocated back to its normal allocation. The standard investment allocation is the Normal Allocation that is used the majority of the time. The Normal Allocation consists of alternative equities, bonds, and cash. The alternative equity allocation is equally divided among the 3 PowerShares Alternative ETFs. The bond allocation is equally divided among four Vanguard bond ETFs that provide exposure to extended, long, intermediate, and inflation-protected bonds. Each allocation also includes a cash position. As an alternative holding shows weakness and enters, what is believed to be, a bear trend, those funds are moved to the bond allocation. As a bond sector shows weakness and enters, what is believed to be, a bear trend, those funds are moved to a further defensive short-term bond position.
Each alternative holding is monitored daily with a specific benchmark index. When a benchmark index falls below the bear trend line, the sector is sold and the funds are reallocated to the Vantage 3.0 Bond portfolio. When a benchmark index moves above the bull trend line, funds are moved from the Vantage 3.0 Bond portfolio and used to buy the alternative equity holding once again.
The Vantage 3.0 strategies creates the bull and bear trend lines based upon a proprietary blend of five moving averages. These moving averages attempt to provide a guide to the long-term trend of each sector. | | | 0.4000 |
| ModelxChange | Beacon Capital Management, Inc. | Vantage 3.0 Balanced - Unmanaged* | | | | | | | | | | | | | | | | | 2583 | Tactical Allocation | | 0.4000 | 0 | The Vantage 3.0 Aggressive, Balanced and Conservative portfolios seek to minimize losses while striving to participate in the market's upside by monitoring each of the 11 Vanguard Sector ETFs individually and as each sector falls below its sell point, a loss reduction trade is triggered and the equity assets represented by that sector only are shifted to our bond portfolio. Holdings in the Alternative and Bond portfolios follow the same mechanical loss reduction strategy (alternative positions move to bonds and bond positions move to a short-term bond fund when they cross their "bear" trading trend-line). Conversely, when a sector/holding which has been shifted from its normal allocation then crosses its "bull" trading trend-line, the allocation portion represented by that holding is liquidated from its defensive position and reallocated back to its normal allocation. The standard investment allocation is the Normal Allocation that is used the majority of the time. The Normal Allocation consists of equities, bonds, and cash. The equity allocation is equally divided among the 11 Vanguard sector ETFs. The bond allocation is equally divided among four Vanguard bond ETFs that provide exposure to extended, long, intermediate, and inflation-protected bonds. Each allocation also includes a cash position. As an equity sector shows weakness and enters, what is believed to be, a bear trend, those funds are moved to the bond allocation. As a bond sector shows weakness and enters, what is believed to be, a bear trend, those funds are moved to a further defensive short-term bond position.
Each sector is monitored daily with a specific benchmark index. When a benchmark index falls below the bear trend line, the sector is sold and the funds are reallocated to the Vantage 3.0 Bond portfolio. When a benchmark index moves above the bull trend line, funds are moved from the Vantage 3.0 Bond portfolio and used to buy the sector once again.
The Vantage 3.0 strategy creates the bull and bear trend lines based upon a proprietary blend of five moving averages. These moving averages attempt to provide a guide to the long-term trend of each sector. | | | 0.4000 |
| ModelxChange | Beacon Capital Management, Inc. | Vantage 3.0 Bond - Unmanaged* | | | | | | | | | | | | | | | | | 2585 | Tactical Allocation | | 0.4000 | 0 | The Vantage 3.0 Bond Portfolio seeks to minimize losses while striving to participate in the fixed income market's upside by monitoring each of the 4 Vanguard Sector/Bond ETFs individually and as each bond position falls below its sell point ("bear" trading trend-line), a loss reduction trade is triggered and the assets represented by that bond sector only are shifted to a short-term bond holding. Conversely, when a bond sector/holding which has been shifted from its normal allocation then crosses its "bull" trading trend-line, the allocation portion represented by that holding is liquidated from its defensive position and reallocated back to its normal allocation. The standard investment allocation is the Normal Allocation that is used the majority of the time. The Normal Allocation consists of bonds and cash. The bond allocation is equally divided among four Vanguard bond ETFs that provide exposure to extended, long, intermediate, and inflation-protected bonds. Each allocation also includes a cash position. As an bond holding shows weakness and enters, what is believed to be, a bear trend, those funds are moved to a short-term bond position.
Each Vantage 3.0 Bond holding is monitored daily with a specific bond benchmark index. When a bond benchmark index falls below its bear trading trend line, the bond holding is sold and the funds are reallocated to a short-term fixed income position. When a bond benchmark index moves above the bull trading trend line, funds represented by the bond holding are moved from the short-term investment back into the its normal bond position.
The Vantage 3.0 Bond strategy creates the bull and bear trend lines based upon a proprietary blend of five moving averages. These moving averages attempt to provide a guide to the long-term trend of each sector. | | | 0.4000 |
| ModelxChange | Beacon Capital Management, Inc. | Vantage 3.0 Conservative - Unmanaged* | | | | | | | | | | | | | | | | | 2584 | Tactical Allocation | | 0.4000 | 0 | The Vantage 3.0 Aggressive, Balanced and Conservative portfolios seek to minimize losses while striving to participate in the market's upside by monitoring each of the 11 Vanguard Sector ETFs individually and as each sector falls below its sell point, a loss reduction trade is triggered and the equity assets represented by that sector only are shifted to our bond portfolio. Holdings in the Alternative and Bond portfolios follow the same mechanical loss reduction strategy (alternative positions move to bonds and bond positions move to a short-term bond fund when they cross their "bear" trading trend-line). Conversely, when a sector/holding which has been shifted from its normal allocation then crosses its "bull" trading trend-line, the allocation portion represented by that holding is liquidated from its defensive position and reallocated back to its normal allocation. The standard investment allocation is the Normal Allocation that is used the majority of the time. The Normal Allocation consists of equities, bonds, and cash. The equity allocation is equally divided among the 11 Vanguard sector ETFs. The bond allocation is equally divided among four Vanguard bond ETFs that provide exposure to extended, long, intermediate, and inflation-protected bonds. Each allocation also includes a cash position. As an equity sector shows weakness and enters, what is believed to be, a bear trend, those funds are moved to the bond allocation. As a bond sector shows weakness and enters, what is believed to be, a bear trend, those funds are moved to a further defensive short-term bond position.
Each sector is monitored daily with a specific benchmark index. When a benchmark index falls below the bear trend line, the sector is sold and the funds are reallocated to the Vantage 3.0 Bond portfolio. When a benchmark index moves above the bull trend line, funds are moved from the Vantage 3.0 Bond portfolio and used to buy the sector once again.
The Vantage 3.0 strategy creates the bull and bear trend lines based upon a proprietary blend of five moving averages. These moving averages attempt to provide a guide to the long-term trend of each sector. | | | 0.4000 |
| ModelxChange | Blackbridge Financial | Guided Advice - Conservative 30 | 02/28/2026 12:00:00 AM | 2.1413 | 9.9838 | 9.5228 | 5.3001 | 2.1413 | 8.6978 | 8.5456 | 12.6035 | -11.2050 | 6.9011 | 4.36 | 6.1 | 1.01 | 0.31 | | 6002 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6002 | 0.3000 | 0 | Seeks low long-term capital appreciation by investing in a portfolio comprised up to 30% equity allocation. Designed for conservative investors contint with lower growth due to an emphasis on volatility buffering provided by fixed income. Investors should have a long-term time horizon and the ability to withstand market volatility and capital drawdowns. This model seeks to minimize risk while allowing for low long-term growth. The model strategy seeks to maintain equity exposure to no more than 30% of portfolio at all times with the remaining allocation invested in fixed income and cash investments. At the managers discretion, portfolio allocations will be rotated among various investments and asset classes in a effort to maximize returns while maintaining a conservative risk profile. | | | 0.3677 |
| ModelxChange | Blackbridge Financial | Guided Advice - Growth 85 | | | | | | | | | | | | | | | | | 5888 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5888 | 0.3000 | 0 | Seeks long-term capital appreciation by investing in a portfolio comprised up to 85% equity allocation. Designed for investors seeking to maximize
capital appreciation over a long-term time horizon and with the ability to withstand market volatility and capital drawdowns. This model places an emphasis on long-term capital appreciation. The model strategy seeks to maintain equity exposure to no more than 85% of portfolio at all times with the remaining allocation invested in fixed income and cash investments. At the managers discretion, portfolio allocations will be rotated among various investments and asset classes in an effort to maximize returns. | | | 0.3754 |
| ModelxChange | Blackbridge Financial | Guided Advice - Moderate 50 | 02/28/2026 12:00:00 AM | 2.6395 | 12.7074 | 12.8857 | 7.7537 | 2.6395 | 10.9970 | 11.5083 | 17.5460 | -12.3070 | 10.9624 | 6.71 | 7.73 | 1.13 | 0.56 | | 6001 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6001 | 0.3000 | 0 | Seeks long-term capital appreciation by investing in a portfolio comprised up to 50% equity allocation. Designed for investors seeking a balance between portfolio capital appreciation and volatility buffering provided by fixed income. Investors should have a long-term time horizon and the ability to withstand market volatility and capital drawdowns. This model seeks to balance risk while allowing for long-term capital appreciation. The model strategy seeks to maintain equity exposure to no more than 50% of portfolio at all times with the remaining allocation invested in fixed income and cash investments. At the managers discretion, portfolio allocations will be rotated among various investments and asset classes in a effort to maximize returns while maintaining a balanced risk profile. | | | 0.3687 |
| ModelxChange | Blackbridge Financial | Guided Advice - Moderate Growth 65 | 02/28/2026 12:00:00 AM | 2.5723 | 12.4244 | 13.2922 | 8.6158 | 2.5723 | 10.6354 | 9.5007 | 21.4062 | -13.6909 | 17.1219 | 8.51 | 9.3 | 0.95 | 0.56 | | 7947 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7947 | 0.3000 | 0 | Seeks long-term capital appreciation by investing in a portfolio comprised up to 65% equity allocation. Designed for investors seeking to maximize
capital appreciation over a long-term time horizon and with the ability to withstand market volatility and capital drawdowns. This model places an emphasis on long-term capital appreciation while maintaining a balance between risk and reward. The model strategy seeks to maintain equity exposure to no more than 65% of portfolio at all times with the remaining allocation invested in fixed income and cash investments. At the managers discretion, portfolio allocations will be rotated among various investments and asset classes in a effort to maximize returns while maintaining a moderate growth risk profile. | | | 0.3553 |
| ModelxChange | Boston Partners | Boston Partners Concentrated Large Cap Value - DO NOT EDIT | | | | | | | | | | | | | | | | | 8484 | Large Value | | 0.0000 | 0 | Boston Partners Concentrated Large Cap Value seeks to provide long-term growth of capital primarily through investment in equity securities. The Fund’s objective is to outperform its benchmark Index, the Russell 1000® Value Index over a market cycle. Boston Partners Concentrated Large Cap Value is an actively managed equity strategy utilizing bottom-up fundamental analysis in conjunction with a robust and proprietary quantitative screening process across stocks with market capitalizations primarily greater than $2 billion. The strategy pursues its objective by taking long positions in stocks identified by Boston Partners as having attractive valuations, strong fundamentals, and positive business momentum. | | | 0.0000 |
| ModelxChange | Brinker Capital | Blackrock Target Allocation ETF 10/90 | 02/28/2026 12:00:00 AM | 2.6267 | | | | 2.6267 | | | | | | | | | | | 13874 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13874 | 0.3500 | 0 | Blackrock Target Allocation ETF 10/90 | | | 0.4912 |
| ModelxChange | Brinker Capital | Blackrock Target Allocation ETF 30/70 | 02/28/2026 12:00:00 AM | 2.8982 | | | | 2.8982 | | | | | | | | | | | 13873 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13873 | 0.3500 | 0 | Blackrock Target Allocation ETF 30/70 | | | 0.5066 |
| ModelxChange | Brinker Capital | Blackrock Target Allocation ETF 40/60 | 02/28/2026 12:00:00 AM | 2.8863 | | | | 2.8863 | | | | | | | | | | | 13872 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13872 | 0.3500 | 0 | Blackrock Target Allocation ETF 40/60 | | | 0.5128 |
| ModelxChange | Brinker Capital | Blackrock Target Allocation ETF 60/40 | 02/28/2026 12:00:00 AM | 3.2075 | | | | 3.2075 | | | | | | | | | | | 13871 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13871 | 0.3500 | 0 | Blackrock Target Allocation ETF 60/40 | | | 0.5334 |
| ModelxChange | Brinker Capital | Blackrock Target Allocation ETF 70/30 | 02/28/2026 12:00:00 AM | 3.4776 | | | | 3.4776 | | | | | | | | | | | 13870 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13870 | 0.3500 | 0 | Blackrock Target Allocation ETF 70/30 | | | 0.5453 |
| ModelxChange | Brinker Capital | Blackrock Target Allocation ETF 80/20 | 02/28/2026 12:00:00 AM | 3.6753 | | | | 3.6753 | | | | | | | | | | | 13869 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13869 | 0.3500 | 0 | Blackrock Target Allocation ETF 80/20 | | | 0.5470 |
| ModelxChange | Brinker Capital | Blackrock Target Allocation ETF All Equity | 02/28/2026 12:00:00 AM | 3.3250 | | | | 3.3250 | | | | | | | | | | | 13868 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13868 | 0.3500 | 0 | Blackrock Target Allocation ETF All Equity | | | 0.5645 |
| ModelxChange | Brinker Capital | Brinker Capital Destinations ETFh Moderate | 02/28/2026 12:00:00 AM | 4.0214 | 16.8829 | 13.9779 | 6.9506 | 4.0214 | 14.4559 | 11.1486 | 15.1540 | -15.8115 | 11.0999 | 7.53 | 9.88 | 1.14 | 0.38 | | 32 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL32 | 0.3500 | 0 | The Brinker Capital Destinations ETFh Moderate Asset Allocation Strategy seeks to provide long-term growth of capital with a moderate level of volatility. Typically equity is emphasized, but there will be a meaningful allocation to fixed income and exposure to alternative asset classes. It is designed for qualified investments. Investors should realize that the emphasis on equity will likely produce a higher level of volatility. The emphasis of the portfolio’s allocation will generally be to equities while a substantial commitment to fixed income is maintained to reduce volatility. The domestic equity allocation has an emphasis on large cap securities, with smaller allocations to mid and small cap. Modest commitments to international equities
and alternative investments, such as real assets, absolute return and private equity, are maintained. The fixed income allocation will be divided into various
fixed income sub-asset classes, including high-yield, intermediate and shortterm bonds, as well as international fixed income. Most asset class and subasset class exposures will be accessed through exchange traded funds (ETF); however, mutual funds will be used where appropriate ETFs are not available or where we believe active management has a significant competitive advantage. | | 0.0382 | 0.7140 |
| ModelxChange | Brinker Capital | Brinker Capital Destinations ETFh Aggressive | 02/28/2026 12:00:00 AM | 4.7527 | 21.1485 | 17.0802 | 8.8244 | 4.7527 | 17.6021 | 13.9635 | 18.1991 | -17.8299 | 14.7298 | 9.18 | 12.04 | 1.25 | 0.48 | | 34 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL34 | 0.3500 | 0 | The Brinker Capital Destinations ETFh Aggressive Asset Allocation Strategy seeks to maximize longterm capital appreciation. Typically, the portfolio will be heavily allocated to equity, with smaller allocations to fixed income and alternative asset classes. It is designed for qualified investments. Investors should realize that the equity emphasis will likely produce a high level of volatility. The portfolio’s allocation will generally emphasize equity. Small positions in fixed income and real estate will be maintained. The domestic equity allocation has an emphasis on large cap securities, with smaller allocations to mid and small cap. A modest commitment to international equity and alternative investments, such as real assets, absolute return and private equity, will be maintained. Various fixed income sub-classes will be represented in the portfolio. Most asset class and sub-asset class exposures will be accessed through exchange traded funds (ETF); however, mutual funds will be used where appropriate ETFs are not available or where we believe active management has a significant competitive advantage. | | 0.0241 | 0.6462 |
| ModelxChange | Brinker Capital | Brinker Capital Destinations ETFh Aggressive Equity | 02/28/2026 12:00:00 AM | 5.0560 | 24.5207 | 19.7797 | 10.3567 | 5.0560 | 20.3893 | 16.7902 | 20.7823 | -19.4985 | 17.3815 | 10.82 | 14.01 | 1.29 | 0.53 | | 35 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL35 | 0.3500 | 0 | The Brinker Capital Destinations ETFh Aggressive Equity Asset Allocation Strategy seeks to maximize long-term capital appreciation. Typically, most of the portfolio will be allocated to equity, with a small allocation to alternative asset classes. It is designed for qualified investments. Investors should realize that the equity emphasis will likely produce a very high level of volatility. The portfolio’s allocation will emphasize equity. The domestic equity allocation has an emphasis on large cap securities, with smaller allocations to mid and small cap. A substantial commitment to international equity will be maintained. A small allocation will typically be made to alternative investments such as real assets, absolute return and private equity. Most asset class and sub-asset class exposures will be accessed through exchange traded funds (ETF); however, mutual funds will be used where appropriate ETFs are not available or where we believe active management has a significant competitive advantage. | | 0.0067 | 0.5495 |
| ModelxChange | Brinker Capital | Brinker Capital Destinations ETFh Conservative | 02/28/2026 12:00:00 AM | 2.8109 | 12.4804 | 9.9453 | 4.3239 | 2.8109 | 11.7707 | 6.8922 | 10.3500 | -13.0639 | 5.3702 | 5.46 | 6.97 | 0.89 | 0.14 | | 30 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL30 | 0.3500 | 0 | The Brinker Capital Destinations ETFh Conservative Asset Allocation Strategy seeks to provide low volatility with some growth potential. Typically it is a predominantly fixed income portfolio with an equity component and exposure to alternative asset classes. It is designed for qualified investments. Investors should understand that although this allocation provides low volatility, it is still subject to a potential loss of principal. The core of the portfolio is invested in domestic fixed income. Substantial positions may be taken in intermediate-term and short-term taxable bonds. Relatively small allocations are made to high-yield and global fixed income investments. A relatively small allocation is made to various domestic equity sub-classes, as well as international equities and alternative investments such as real assets and absolute return Most asset class and sub-asset class exposures will be accessed through exchange traded funds (ETF); however, mutual funds will be used where appropriate ETFs are not available or where we believe active management has a significant competitive advantage. | | 0.0523 | 0.7389 |
| ModelxChange | Brinker Capital | Brinker Capital Destinations ETFh Defensive | 02/28/2026 12:00:00 AM | 1.7882 | 10.8079 | 7.8018 | 3.0898 | 1.7882 | 10.9702 | 4.8630 | 7.3389 | -10.7336 | 2.2746 | 4.06 | 5.16 | 0.69 | -0.06 | | 29 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL29 | 0.3500 | 0 | The Brinker Capital Destinations ETFh Defensive Asset Allocation Strategy is a predominately fixed income portfolio with a small equity component and some exposure to alternative asset classes. It is designed for qualified investments. Investors should understand that although this allocation provides low volatility, it is still subject to a potential loss of principal. The asset classes and sub-classes that compromise this portfolio seek to provided a current income stream with some inflation protection. The core of the portfolio is invested in taxable fixed income. Substantial positions my be taken in corporate bonds, mortgage-backed securities, U.S. Treasury and Agency securities, TIPS and international fixed income investments. A relatively small allocation is made to various domestic equity sub-classes, as well as international equities and alternative investments such as real assets and absolute return. Most asset class and sub-asset class exposures will be accessed through exchange traded funds (ETF); however, mutual funds will be used where appropriate ETFs are not available or where we believe active management has a significant competitive advantage. | | 0.0615 | 0.8175 |
| ModelxChange | Brinker Capital | Brinker Capital Destinations ETFh Moderately Aggressive | 02/28/2026 12:00:00 AM | 4.4214 | 18.7971 | 15.4104 | 7.7982 | 4.4214 | 15.8161 | 12.4540 | 16.6123 | -16.9257 | 12.9104 | 8.33 | 10.96 | 1.19 | 0.42 | | 33 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL33 | 0.3500 | 0 | The Brinker Capital Destinations ETFh Moderately Aggressive Asset Allocation Strategy seeks to provide a moderate level of volatility with the opportunity for long-term growth of capital. Typically it has a greater allocation to fixed income than to equity, but there will be a meaningful allocation to equity and exposure to alternative asset classes. It is designed for qualified investments. Investors should understand that the pursuit of these objectives with this allocation will involve a moderate
level of principal volatility. The emphasis of the portfolio’s allocation will generally be to fixed income while there is a meaningful allocation for capital appreciation. Substantial positions may
be taken in intermediate-term and short-term taxable bonds. Relatively small allocations are made to high-yield and global fixed income. A substantial allocation is made to various domestic equity sub-classes, as well as international equities and alternative investments such as real assets and absolute return. Most asset class and sub-asset class exposures will be accessed through exchange traded funds (ETF); however, mutual funds will be used where the appropriate ETFs are not available or where we believe active management has a significant competitive advantage. | | 0.0317 | 0.6773 |
| ModelxChange | Brinker Capital | Brinker Capital Destinations ETFh Moderately Conservative | 02/28/2026 12:00:00 AM | 3.2731 | 13.2085 | 11.0612 | 5.1038 | 3.2731 | 11.8549 | 8.3926 | 11.8815 | -13.9787 | 7.2871 | 6.15 | 7.9 | 0.96 | 0.23 | | 31 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL31 | 0.3500 | 0 | The Brinker Capital Destinations ETFh Moderately Conservative Asset Allocation Strategy seeks to provide a moderate level of volatility with the opportunity for long-term growth of capital. Typically it has a greater allocation to fixed income than to equity, but there will be a meaningful allocation to equity and exposure to alternative asset classes. It is designed for qualified investments. Investors should understand that the pursuit of these objectives with this allocation will involve a moderate
level of principal volatility. The emphasis of the portfolio’s allocation will generally be to fixed income while there is a meaningful allocation for capital appreciation. Substantial positions may
be taken in intermediate-term and short-term taxable bonds. Relatively small allocations are made to high-yield and global fixed income. A substantial allocation is made to various domestic equity sub-classes, as well as international equities and alternative investments such as real assets and absolute return. Most asset class and sub-asset class exposures will be accessed through exchange traded funds (ETF); however, mutual funds will be used where the appropriate ETFs are not available or where we believe active management has a significant competitive advantage. | | 0.0479 | 0.7447 |
| ModelxChange | Brinker Capital Investments | Brinker AdvisorOne Investment Strategy - Aggressive (85-100) | | | | | | | | | | | | | | | | | 45 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL45 | 0.0000 | 0 | CLS’s proprietary funds generally use ETFs for a large part of their allocation, but also invest in individual securities. Multiple CLS-managed proprietary funds are used to build the AdvisorOne portfolios. This strategy uses risk budgeting and targets a risk level similar to a 100 percent allocation to a diversified equity benchmark. Aggressive Model (suggested score range: 85-100; suggested age range: 18-25)
The Aggressive allocation pursues its objective primarily by seeking growth of capital. This allocation may be appropriate for investors who:
- are comfortable with substantial investment risk;
- have a long investment time horizon; and
- seek to maximize long-term returns while accepting the possibility of significant short-term or even long-term losses. | | | 0.7621 |
| ModelxChange | Brinker Capital Investments | Brinker AdvisorOne Investment Strategy - Conservative (30-44) | | | | | | | | | | | | | | | | | 61 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL61 | 0.0000 | 0 | CLS’s proprietary funds generally use ETFs for a large part of their allocation, but also invest in individual securities. Multiple CLS-managed proprietary funds are used to build the AdvisorOne portfolios. This strategy uses risk budgeting and targets a risk level similar to a 50 percent allocation to a diversified equity benchmark. Conservative Model (suggested score range: 30-44; suggested age range: 65 and above)
The Conservative allocation pursues its objective by seeking income and, secondarily, long-term growth of capital. This allocation may be appropriate for investors who:
- have a relatively short investment time horizon;
- have a low tolerance for risk; and primarily seek income from their investment. | | | 0.7791 |
| ModelxChange | Brinker Capital Investments | Brinker AdvisorOne Investment Strategy - Moderate (60-74) | | | | | | | | | | | | | | | | | 59 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL59 | 0.0000 | 0 | CLS’s proprietary funds generally use ETFs for a large part of their allocation, but also invest in individual securities. Multiple CLS-managed proprietary funds are used to build the AdvisorOne portfolios. This strategy uses risk budgeting and targets a risk level similar to a 70 percent allocation to a diversified equity benchmark. Moderate Model (suggested score range: 60-74; suggested age range: 39-50)
The Moderate allocation pursues its objective primarily by seeking both growth of capital, as well as income. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- seek both growth and income from their investment; and
- are willing to accept moderate short-term price fluctuations in exchange for potentially higher returns over time. | | | 0.7907 |
| ModelxChange | Brinker Capital Investments | Brinker AdvisorOne Investment Strategy - Moderately Aggressive (75-84) | | | | | | | | | | | | | | | | | 58 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL58 | 0.0000 | 0 | CLS’s proprietary funds generally use ETFs for a large part of their allocation, but also invest in individual securities. Multiple CLS-managed proprietary funds are used to build the AdvisorOne portfolios. This strategy uses risk budgeting and targets a risk level similar to a 85 percent allocation to a diversified equity benchmark. Moderately Aggressive Model (suggested score range: 75-84; suggested age range: 26-38)
The Moderately Aggressive allocation pursues its objective primarily by seeking growth of capital, as well as income. This allocation may be appropriate for investors who:
- are comfortable with significant investment risk;
- have a long investment time horizon;
- seek additional diversification; and
- seek to maximize long-term returns while accepting the possibility of short-term or even long-term losses. | | | 0.7797 |
| ModelxChange | Brinker Capital Investments | Brinker AdvisorOne Investment Strategy - Moderately Conservative (45-59) | | | | | | | | | | | | | | | | | 60 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL60 | 0.0000 | 0 | CLS’s proprietary funds generally use ETFs for a large part of their allocation, but also invest in individual securities. Multiple CLS-managed proprietary funds are used to build the AdvisorOne portfolios. This strategy uses risk budgeting and targets a risk level similar to a 60 percent allocation to a diversified equity benchmark. Moderately Conservative Model (suggested score range: 45-59; suggested age range: 51-64)
The Moderately Conservative allocation pursues its objective by seeking income and, secondarily, long-term growth of capital. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- primarily seek income from their investment;
- have a shorter investment time horizon; and
- are willing to accept some short-term price fluctuations in exchange for potentially higher income and growth. | | | 0.7928 |
| ModelxChange | Brinker Capital Investments | Brinker AdvisorOne Protection Investment Strategy - Conservative (45-54) | | | | | | | | | | | | | | | | | 64 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL64 | 0.2000 | 0 | CLS’s protection models seek to limit the impact that significant market downturns can have on investments. The models also seek growth of capital by aiming for average risk levels similar to either a 70, 60, or 50 percent allocation to a diversified equity benchmark. The models target a 30 percent allocation to a protection fund, with the remainder of the portfolio being allocated to CLS-managed proprietary funds.
The AdvisorOne Protection models are designed to help investors who are within 10 years of retirement to prepare for transition to retirement by continuing to allow for wealth accumulation while gradually decreasing the risk of the portfolio and adding a level of protection. AdvisorOne Protection Conservative Model (Suggested score range: 45-54)
The AdvisorOne Protection Conservative allocation pursues its objective by seeking income and, secondarily, long-term growth of capital. Approximately 30 percent of your portfolio will be invested in one or more Affiliated Funds designed to provide protection from large equity market declines. This allocation may be appropriate for investors who:
- have a relatively short investment time horizon;
- have a low tolerance for risk; and
- primarily seek income from their investment. | | | 1.0457 |
| ModelxChange | Brinker Capital Investments | Brinker AdvisorOne Protection Investment Strategy - Moderate (65-75) | | | | | | | | | | | | | | | | | 62 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL62 | 0.2000 | 0 | CLS’s protection models seek to limit the impact that significant market downturns can have on investments. The models also seek growth of capital by aiming for average risk levels similar to either a 70, 60, or 50 percent allocation to a diversified equity benchmark. The models target a 30 percent allocation to a protection fund, with the remainder of the portfolio being allocated to CLS-managed proprietary funds.
The AdvisorOne Protection models are designed to help investors who are within 10 years of retirement to prepare for transition to retirement by continuing to allow for wealth accumulation while gradually decreasing the risk of the portfolio and adding a level of protection. AdvisorOne Protection Moderate Model (Suggested score range: 65-75)
The AdvisorOne Protection Moderate allocation pursues its objective primarily by seeking both growth of capital, as well as income. Approximately 30 percent of your portfolio will be invested in one or more Affiliated Funds designed to provide protection from large equity market declines. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- seek both growth and income from their investment; and
- are willing to accept moderate short-term price fluctuations in exchange for potentially higher returns over time. | | | 1.0552 |
| ModelxChange | Brinker Capital Investments | Brinker AdvisorOne Protection Investment Strategy - Moderately Conservative (55-64) | | | | | | | | | | | | | | | | | 63 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL63 | 0.2000 | 0 | CLS’s protection models seek to limit the impact that significant market downturns can have on investments. The models also seek growth of capital by aiming for average risk levels similar to either a 70, 60, or 50 percent allocation to a diversified equity benchmark. The models target a 30 percent allocation to a protection fund, with the remainder of the portfolio being allocated to CLS-managed proprietary funds.
The AdvisorOne Protection models are designed to help investors who are within 10 years of retirement to prepare for transition to retirement by continuing to allow for wealth accumulation while gradually decreasing the risk of the portfolio and adding a level of protection. AdvisorOne Protection Moderately Conservative Model (Suggested score range: 55-64)
The AdvisorOne Protection Moderately Conservative allocation pursues its objective by seeking income and, secondarily, long-term growth of capital. Approximately 30 percent of your portfolio will be invested in one or more Affiliated Funds designed to provide protection from large equity market declines. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- primarily seek income from their investment;
- have a shorter investment time horizon; and
- are willing to accept some | | | 1.0533 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Strategy Aggressive 100 (95-100) | | | | | | | | | | | | | | | | | 68 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL68 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 100% allocation to a globally diversified equity benchmark. ETF Portfolio Aggressive 100 (suggested score range: 100-95)
The Aggressive 100 allocation approximates 100% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking growth of capital. This allocation may be appropriate for investors who:
- are comfortable with substantial investment risk;
- have a long investment time horizon; and
- seek to maximize long-term returns while accepting the possibility of significant short-term or even long-term losses. | | | 0.5540 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Strategy Aggressive 90 (85-94) | | | | | | | | | | | | | | | | | 69 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL69 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 90% allocation to a globally diversified equity benchmark. ETF Portfolio Aggressive 90 (suggested score range: 94-85)
The Aggressive 90 allocation approximates 90% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking growth of capital. This allocation may be appropriate for investors who:
- are comfortable with significant investment risk;
- have a long investment time horizon;
- seek additional diversification; and
- seek to maximize long-term returns while accepting the possibility of short-term or even long-term losses. | | | 0.5654 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Strategy Conservative 30 (30-34) | | | | | | | | | | | | | | | | | 75 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL75 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 20% allocation to a globally diversified equity benchmark. ETF Portfolio Conservative 30 (Suggested score range: 34-30)
Conservative 30 allocation approximates 30% of the risk of a diversified equity portfolio and pursues its objective by seeking income and, secondarily, long-term growth of capital. This allocation may be appropriate for investors who:
- have a relatively short investment time horizon;
- have a low tolerance for risk; and
- primarily seek income from their investment. | | | 0.5772 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Strategy Moderate Growth 60 (55-64) | | | | | | | | | | | | | | | | | 72 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL72 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 55% allocation to a globally diversified equity benchmark. ETF Portfolio Moderate Growth 60 (suggested score range: 64-55)
Moderate 60 allocation approximates 60% of the risk of a diversified equity portfolio and pursues its objective by seeking both growth of capital, as well as income. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- have a relatively short investment time horizon; and
- seek both growth and income from their investment. | | | 0.5874 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Strategy Moderate Growth 70 (65-74) | | | | | | | | | | | | | | | | | 71 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL71 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 65% allocation to a globally diversified equity benchmark. CLS Investments, LLC (“CLS”) uses ETFs in a tactical manner to overweight its portfolios based on capitalization, style, sector, region, quality, and duration in an effort to seek outperformance. This strategy uses risk budgeting and targets a risk level similar to 65 percent allocation to a diversified equity benchmark. | | | 0.5759 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Strategy Moderately Aggressive 80 (75-84) | | | | | | | | | | | | | | | | | 70 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL70 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 75% allocation to a globally diversified equity benchmark. ETF Portfolio Moderately Aggressive 80 (suggested score range: 84-75)
The Moderately Aggressive 80 allocation approximates 80% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking both growth of capital, as well as income. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- seek both growth and income from their investment; and
- are willing to accept moderate short-term price fluctuations in exchange for potentially higher returns over time. | | | 0.5752 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Strategy Moderately Conservative 40 (35-44) | | | | | | | | | | | | | | | | | 74 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL74 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 30% allocation to a globally diversified equity benchmark. ETF Portfolio Moderately Conservative 40 (Suggested score range: 44-35)
The Moderately Conservative 40 allocation approximates 40% of the risk of a diversified equity portfolio and pursues its objective by seeking income and, secondarily, long-term growth of capital. This allocation may be appropriate for investors who:
- have a shorter investment time horizon;
- have a low tolerance for risk;
- primarily seek income from their investment; and
- are willing to accept some short-term price fluctuations in exchange for potentially higher income and growth. | | | 0.5955 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Strategy Moderately Conservative 50 (45-54) | | | | | | | | | | | | | | | | | 73 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL73 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 40% allocation to a globally diversified equity benchmark. ETF Portfolio Moderately Conservative 50 (Suggested score range: 54-45)
The Moderately Conservative 50 allocation approximates 50% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking income and, secondarily, long-term growth of capital. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- primarily seek income from their investment; and
- are willing to accept some short-term price fluctuations in exchange for potentially higher income and growth. | | | 0.5813 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date 2020 | 02/28/2026 12:00:00 AM | 4.0697 | 13.0102 | 9.7737 | 4.9103 | 4.0697 | 11.2218 | 6.3385 | 10.2160 | -11.5528 | 9.1562 | 5.63 | 8.11 | 0.84 | 0.2 | | 1671 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1671 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 65% allocation to a globally diversified equity benchmark. The Target Date 2020 approximates 65% of the risk of a diversified equity portfolio and pursues its objective by seeking both growth of capital, as well as income.
This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- have a relatively short investment time horizon; and
- seek both growth and income from their investment. | | | 0.5510 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date 2025 | 02/28/2026 12:00:00 AM | 4.2333 | 14.6265 | 10.8527 | 5.8093 | 4.2333 | 12.3974 | 6.9957 | 11.7961 | -12.1239 | 11.6291 | 6.59 | 9.32 | 0.87 | 0.28 | | 1670 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1670 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 75% allocation to a globally diversified equity benchmark. The Target Date 2025 approximates 75% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking both growth of capital, as well as income. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- seek both growth and income from their investment; and
- are willing to accept substantive short-term price fluctuations in exchange for potentially higher returns over time. | | | 0.5601 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date 2030 | 02/28/2026 12:00:00 AM | 4.9352 | 16.8621 | 12.1526 | 6.3967 | 4.9352 | 13.8146 | 7.8014 | 13.1444 | -12.0869 | 10.6848 | 7.29 | 9.98 | 0.96 | 0.32 | | 1669 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1669 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 80% allocation to a globally diversified equity benchmark. The Target Date 2030 approximates 80% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking both growth of capital, as well as income. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- seek both growth and income from their investment; and
- are willing to accept substantive short-term price fluctuations in exchange for potentially higher returns over time. | | | 0.5560 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date 2035 | 02/28/2026 12:00:00 AM | 5.7872 | 20.2574 | 13.9480 | 7.4085 | 5.7872 | 16.1939 | 8.2141 | 15.1526 | -12.7423 | 11.7727 | 8.2 | 10.63 | 1.05 | 0.4 | | 1668 | Target-Date 2035 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1668 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 85% allocation to a globally diversified equity benchmark. The Target Date 2035 approximates 85% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking both growth of capital, as well as income. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- seek both growth and income from their investment; and
- are willing to accept substantive short-term price fluctuations in exchange for potentially higher returns over time. | | | 0.5632 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date 2040 | 02/28/2026 12:00:00 AM | 5.8114 | 19.4537 | 13.5396 | 7.1223 | 5.8114 | 15.3351 | 8.0932 | 14.8702 | -13.0696 | 11.4973 | 8.22 | 10.87 | 1.01 | 0.37 | | 1667 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1667 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 90% allocation to a globally diversified equity benchmark. The Target Date 2040 allocation approximates 90% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking growth of capital. This allocation may be appropriate for investors who:
- are comfortable with significant investment risk;
- have a long investment time horizon;
- seek additional diversification; and
- seek to maximize long-term returns while accepting the possibility of short-term or even long-term losses. | | | 0.5632 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date 2045 | 02/28/2026 12:00:00 AM | 6.0436 | 21.6535 | 14.7727 | 8.0170 | 6.0436 | 17.0299 | 8.5728 | 16.6657 | -13.1291 | 12.4076 | 9.26 | 11.47 | 1.02 | 0.43 | | 1666 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1666 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 92% allocation to a globally diversified equity benchmark. The Target Date 2045 allocation approximates 92% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking growth of capital. This allocation may be appropriate for investors who:
- are comfortable with significant investment risk;
- have a long investment time horizon;
- seek additional diversification; and
- seek to maximize long-term returns while accepting the possibility of short-term or even long-term losses. | | | 0.5654 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date 2050 | 02/28/2026 12:00:00 AM | 6.0409 | 21.5511 | 14.7190 | 7.9507 | 6.0409 | 16.8308 | 8.6713 | 16.6390 | -13.1234 | 12.1053 | 9.24 | 11.61 | 1.02 | 0.42 | | 1665 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1665 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 93% allocation to a globally diversified equity benchmark. The Target Date 2050 allocation approximates 93% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking growth of capital. This allocation may be appropriate for investors who:
- are comfortable with significant investment risk;
- have a long investment time horizon;
- seek additional diversification; and
- seek to maximize long-term returns while accepting the possibility of short-term or even long-term losses. | | | 0.5654 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date 2055 | 02/28/2026 12:00:00 AM | 6.0145 | 21.6135 | 14.7048 | 8.0067 | 6.0145 | 16.9755 | 8.4950 | 16.8037 | -13.6637 | 13.1404 | 9.24 | 11.82 | 1.02 | 0.42 | | 1664 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1664 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 95% allocation to a globally diversified equity benchmark. The Target Date 2055 allocation approximates 95% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking growth of capital. This allocation may be appropriate for investors who:
- are comfortable with significant investment risk;
- have a long investment time horizon;
- seek additional diversification; and
- seek to maximize long-term returns while accepting the possibility of short-term or even | | | 0.5654 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date 2060 | 02/28/2026 12:00:00 AM | 6.2979 | 23.5710 | 15.6705 | 8.4722 | 6.2979 | 18.3608 | 8.2774 | 18.5151 | -14.0610 | 13.1960 | 10.39 | 12.72 | 1 | 0.43 | | 1663 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1663 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 100% allocation to a globally diversified equity benchmark. The Target Date 2060 allocation approximates 100% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking growth of capital. This allocation may be appropriate for investors who:
- are comfortable with substantial investment risk;
- have a long investment time horizon; and
- seek to maximize long-term returns while accepting the possibility of significant short-term or even long-term losses. | | | 0.5540 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date 2065 | | | | | | | | | | | | | | | | | 11946 | Target-Date 2065+ | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL11946 | 0.2500 | 0 | The Target Date 2065 allocation approximates 100% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking growth of capital. This allocation may be appropriate for investors who:
- are comfortable with substantial investment risk;
- have a long investment time horizon; and
- seek to maximize long-term returns while accepting the possibility of significant short-term or even long-term losses.
| | | 0.5540 |
| ModelxChange | Brinker Capital Investments | Brinker ETF Target Date Retired | | | | | | | | | | | | | | | | | 1672 | Target-Date 2015 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1672 | 0.2500 | 0 | CLS Investments (CLS) uses ETFs in an active manner and targets a risk level similar to a 55% allocation to a globally diversified equity benchmark. The Target Date 2015 approximates 55% of the risk of a diversified equity portfolio and pursues its objective primarily by seeking income and, secondarily, long-term growth of capital. This allocation may be appropriate for investors who:
- have a lower tolerance for risk than more aggressive investors;
- primarily seek income from their investment; and
- are willing to accept some short-term price fluctuations in exchange for potentially higher income and growth. | | | 0.5606 |
| ModelxChange | Bryn Mawr Trust Advisors, LLC | BMTA Aggressive | 02/28/2026 12:00:00 AM | 4.1181 | 16.9649 | 17.1074 | 7.9078 | 4.1181 | 13.8293 | 16.7286 | 21.9796 | -24.4853 | 18.1176 | 11.98 | 15.9 | | | | 1411 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1411 | 0.3000 | 0 | The portfolio objective is to generate capital appreciation over time for investors with long term investment horizons, a tolerance for risk and the ability to remain invested through periods of elevated volatility. The strategies benchmark is the Morningstar Moderate Aggressive benchmark. The portfolio primarily targets diversified exposure to global equities with an emphasis on geographically or sector focused investments. These investments are selected for their potential to outperform the broader markets in terms of capital appreciation over time. Based on historical information, examples of industry specific investments might include Biotech, New Media, or Technology. Thematically driven research may be utilized throughout the business cycle to evaluate the addition or subtraction of mature industries or geographical / emerging market exposure. The Portfolio Manager assigns risk based target weights to the underlying investments as a percentage of the overall portfolio value. Through systematic rebalancing and ongoing monitoring of the underlying assets, profits may be captured and redeployed in order to mitigate concentration risk. | | | 0.4082 |
| ModelxChange | Bryn Mawr Trust Advisors, LLC | BMTA Balanced | 02/28/2026 12:00:00 AM | 4.7785 | 16.7243 | 15.2744 | 8.5323 | 4.7785 | 14.2029 | 15.0509 | 12.7881 | -15.0241 | 14.2860 | 9.01 | 11.35 | | | | 1647 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1647 | 0.3000 | 0 | The portfolio objective is to outperform the Morningstar Conservative benchmark. This portfolio uses risk analysis and targets a balance between fixed income and diversified equity vehicles. This portfolio seeks modest growth and income over market cycles. The portfolio is designed to diversify holdings across a selection of asset classes and investment styles. This disciplined blending emphasizes return potential while attempting to manage risk and help provide consistent conservative returns. | | | 0.3808 |
| ModelxChange | Bryn Mawr Trust Advisors, LLC | BMTA Capital Preservation | | | | | | | | | | | | | | | | | 1648 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1648 | 0.2500 | 0 | The portfolio objective is to outperform the Morningstar Conservative benchmark. This portfolio uses risk analysis and targets a balance between fixed income and diversified equity vehicles. This portfolio seeks modest growth and income over market cycles. The portfolio is designed to diversify holdings across a selection of asset classes and investment styles. This disciplined blending emphasizes return potential while attempting to manage risk and help provide consistent conservative returns. | | | 0.3369 |
| ModelxChange | Bryn Mawr Trust Advisors, LLC | BMTA Conservative | 02/28/2026 12:00:00 AM | 4.6670 | 14.8399 | 13.6010 | 6.9188 | 4.6670 | 12.8725 | 13.1823 | 9.8580 | -11.9973 | 7.4376 | 7.86 | 9.5 | | | | 1400 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1400 | 0.2500 | 0 | The portfolio objective is to provide balanced exposure to income producing assets and a selection of broadly diversified global equities for investors with short to intermediate investment horizons and a low to moderate tolerance for risk. The strategies benchmark is the Morningstar Conservative benchmark. The portfolio is designed with the objective of providing stable growth with a lower degree of volatility than other strategies. The fixed income portion of the portfolio incorporates investment instruments with staggered durations with the potential for reducing sensitivity to fluctuations in rates. This is complemented by broadly diversified exposure to the global equity markets that targets growth and value. The Portfolio Manager assigns risk based target weights to the underlying investments as a percentage of the overall portfolio value. Through systematic rebalancing and ongoing monitoring of the underlying assets, profits may be captured and redeployed in order to mitigate concentration risk. | | | 0.3300 |
| ModelxChange | Bryn Mawr Trust Advisors, LLC | BMTA Low Volatility | | | | | | | | | | | | | | | | | 2603 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2603 | 0.2500 | 0 | The portfolio objective is to outperform the very Morningstar Conservative benchmark. This portfolio uses risk analysis and targets a balance between fixed income and diversified equity vehicles. This portfolio seeks modest growth and income over market cycles. The portfolio is designed with the objective of providing conservative stable growth with a low degree of volatility. The Portfolio Manager assigns risk based target weights to the underlying investments as a percentage of the overall portfolio value. This disciplined blend emphasizes return potential while attempting to manage risk and help provide consistent conservative returns. | | | 0.3433 |
| ModelxChange | Bryn Mawr Trust Advisors, LLC | BMTA Moderate | 02/28/2026 12:00:00 AM | 5.7996 | 17.8581 | 16.1284 | 7.7938 | 5.7996 | 14.2576 | 15.8006 | 14.6688 | -21.2923 | 17.1657 | 10.43 | 13.7 | | | | 1410 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1410 | 0.3000 | 0 | The portfolio objective for the BMTA Moderate strategy is to generate growth and income across market cycles for investors with Long to Intermediate investment horizons and a moderate tolerance for risk. The strategies benchmark is the Morningstar Moderate benchmark. The portfolio is designed to provide exposure to a weighted blend of asset classes that has historically mitigated risk in periods of dislocation or volatility in the equity markets and delivering long term price appreciation. The fixed income portion of the strategy incorporates investments in instruments with staggered durations with the intention of reducing sensitivity to fluctuations in rates. This is complemented by broadly diversified exposure to the global equity markets and targeted weightings in sector or geographically focused instruments. The Portfolio Manager assigns risk based target weights to the underlying investments as a percentage of the overall portfolio value. Through systematic rebalancing and ongoing monitoring of the underlying assets, profits may be captured and redeployed in order to mitigate concentration risk. | | | 0.3961 |
| ModelxChange | CAAS, LLC | WealthMark Aggressive | 02/28/2026 12:00:00 AM | 5.3486 | 21.3376 | 16.4024 | 10.9813 | 5.3486 | 16.8992 | 13.1079 | 17.4416 | -5.4303 | 11.9987 | 11.15 | 12.24 | 0.99 | 0.63 | | 2419 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2419 | 0.2500 | 0 | A diversified portfolio of Mutual Funds and ETFs representing multiple asset classes for an aggressive investor. | | 0.0095 | 0.4714 |
| ModelxChange | CAAS, LLC | WealthMark Moderate | | | | | | | | | | | | | | | | | 2376 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2376 | 0.2500 | 0 | A diversified portfolio of Mutual Funds and ETFs representing multiple asset classes for a moderate investor. | | 0.0434 | 0.2500 |
| ModelxChange | CAAS, LLC | WealthMark Principal Preservation | | | | | | | | | | | | | | | | | 2187 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2187 | 0.0000 | 0 | The fund seeks to preserve principal while seeking to provide some income and minimal growth. The fund seeks to meet its objective by using a strategic investment approach made up of a diversified allocation of investments designed to meet a conservative income risk profile. The fund allocation will primarily include but is not limited to mutual funds, exchange traded funds and guaranteed insurance/investment contracts. The fund may use inverse funds to add non-correlated asset classes in small percentages for risk mitigation to preserve principal in adverse market conditions. | | 0.0125 | 0.3709 |
| ModelxChange | Cabana LLC d/b/a Cabana Asset Management | Target Drawdown 10 | | | | | | | | | | | | | | | | | 3490 | Tactical Allocation | | 0.3500 | 0 | The objective of the Moderate Portfolio is to achieve limited volatility range ("drawdown" or the maximum amount an investment can be expected to fall during a specific period) of ten percent (10%) from peak to trough. The asset allocation is primarily distributed among major asset classes with a sensitivity to market downturn. This portfolio may contain inversely and non-correlated assets throughout the economic cycle, and in each corresponding tactical allocation. Additional stability is sought through the accumulation of bond interest and equity dividends. The Moderate Portfolio is the original of Cabanas portfolios. All Cabana Portfolios are considered core all asset tactial and provide a viable option for most long-term investors. Find more information about Cabanas portfolios at www.cabanaportfolio.com. | | | 0.3500 |
| ModelxChange | Cabana LLC d/b/a Cabana Asset Management | Target Drawdown 13 | | | | | | | | | | | | | | | | | 3489 | Tactical Allocation | | 0.3500 | 0 | The objective of the Balanced Portfolio is to achieve a limited volatility range ("drawdown" or the maximum amount an investment can be expected to fall during a specific period) of thirteen percent (13%) from peak to trough. The portfolio is comprised of various assets, based on each phase of the economic cycle. Allocation allows for potential capital appreciation of growth assets during times of favorable conditions, while maintaining relative stability through exposure to inversely or non-correlated assets during periods of less favorable market conditions. All Cabana Portfolios are considered core all asset tactical and provide a viable option for most long-term investors. Find more information about Cabanas portfolios at www.cabanaportfolio.com. | | | 0.3500 |
| ModelxChange | Cabana LLC d/b/a Cabana Asset Management | Target Drawdown 16 | | | | | | | | | | | | | | | | | 3487 | Tactical Allocation | | 0.3500 | 0 | The objective of the Growth Portfolio is to achieve a limited volatility range ("drawdown" or the maximum amount an investment can be expected to fall during a specific period) of sixteen percent (16%) from peak to trough. The portfolio is weighted toward higher beta growth assets during all but the most unfavorable of market conditions. It is designed to capture appreciation in growth assets, such as small cap equities, emerging markets, and commodities during periods of economic expansion, while remaining resistant to severe market downturn. All Cabana Portfolios are considered core all asset tactical and provide a viable option for most long-term investors. Find more information about Cabanas portfolios at www.cabanaportfolio.com/portfolios. | | | 0.3500 |
| ModelxChange | Cabana LLC d/b/a Cabana Asset Management | Target Drawdown 20 | | | | | | | | | | | | | | | | | 3491 | Tactical Allocation | | 0.3500 | 0 | The objective of the Aggressive Portfolio is to achieve a limited volatility range ("drawdown" or the maximum amount an investment can be expected to fall during a specific period) of twenty percent (20%) from peak to trough. The portfolio is significantly weighted toward higher beta growth assets throughout the economic cycle. However, inversely and non-correlated assets may be allocated as a hedge against the most severe market conditions. The portfolio is based on the notion that over time investments in growth assets, such as equities, will likely outperform other asset classes. This portfolio is designed to accommodate this maxim, while striving to protect against catastrophic losses. All Cabana Portfolios are considered core all asset tactical and provide a viable option for most long-term investors. Find more information about Cabanas portfolios at www.cabanaportfolio.com. | | | 0.3500 |
| ModelxChange | Cabana LLC d/b/a Cabana Asset Management | Target Drawdown 7 | | | | | | | | | | | | | | | | | 3482 | Tactical Allocation | | 0.3500 | 0 | The objective of the Conservative Portfolio is to achieve a limited volatility range ("drawdown" or the maximum amount an investment can be expected to fall during a specific period) of seven percent (7%) from peak to trough. The asset allocation is inherently weighted toward low beta asset classes, such as corporate grade bonds, treasuries,and dividend-paying equities. This portfolio seeks to emphasize stability throughout the economic cycle, protection of capital, as well as accumulation of bond interest and equity dividends. All Cabana Portfolios are considered core all asset tactical and provide a viable option for most long-term investors. Find more information about Cabanas portfolios at www.cabanaportfolio.com/portfolios | | | 0.3500 |
| ModelxChange | Cabana LLC d/b/a Cabana Asset Management | Target Drawdown Income 5 | | | | | | | | | | | | | | | | | 3492 | Tactical Allocation | | 0.3500 | 0 | The objective of the Alpha Income Portfolio is to achieve a limited volatility range ("drawdown" or the maximum amount an investment can be expected to fall during a specific period) of five percent (5%) from peak to trough. This portfolio seeks to leverage the intrinsic value found in income-producing mutual funds (3-5 star rated by Morningstar) with Cabanas proprietary algorithm. By merging the experience of money managers with the efficiencies of our allocation software, the portfolio is designed to provide investors access to a regular stream of income, along with the confidence that comes with diversification, liquidity and a tested model. All Cabana Portfolios are considered core all asset tactical and provide a viable option for most long-term investors. Find more information about Cabanas portfolios at www.cabanaportfolio.com. | | | 0.3500 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 11-19 Year Aggressive | 02/28/2026 12:00:00 AM | 2.7349 | 16.5673 | 14.9797 | 7.8679 | 2.7349 | 15.4060 | 12.8357 | 17.2852 | -17.2913 | 14.9101 | 8.02 | 10.88 | 1.19 | 0.43 | | 203 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL203 | 0.5000 | 0 | Aggressive Growth & Income Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs)
| | | 0.6214 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 11-19 Year Conservative | | | | | | | | | | | | | | | | | 201 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL201 | 0.5000 | 0 | Conservative Growth & Income Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6231 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 11-19 Year Moderate | 02/28/2026 12:00:00 AM | 2.6262 | 16.1939 | 14.7392 | 7.6395 | 2.6262 | 15.1221 | 12.7725 | 16.8501 | -17.2052 | 14.2203 | 7.92 | 10.69 | 1.18 | 0.42 | | 202 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL202 | 0.5000 | 0 | Moderate Growth & Income Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs)
| | | 0.6221 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 2-5 Year Aggressive | 02/28/2026 12:00:00 AM | 1.9928 | 10.3163 | 9.1236 | 3.9169 | 1.9928 | 10.3941 | 6.4977 | 10.0064 | -12.6668 | 5.6325 | 5.56 | 7.11 | 0.74 | 0.09 | | 197 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL197 | 0.5000 | 0 | Aggressive Income & Growth Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6354 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 2-5 Year Conservative | 02/28/2026 12:00:00 AM | 2.0241 | 10.0804 | 8.8710 | 3.5157 | 2.0241 | 10.1710 | 6.2154 | 9.3358 | -12.8482 | 4.8134 | 5.48 | 6.88 | 0.7 | 0.03 | | 195 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL195 | 0.5000 | 0 | Conservative Income & Growth Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6359 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 2-5 Year Moderate | 02/28/2026 12:00:00 AM | 2.0573 | 10.2492 | 8.9478 | 3.7202 | 2.0573 | 10.2786 | 6.1886 | 9.7995 | -12.6262 | 5.1332 | 5.56 | 6.95 | 0.71 | 0.06 | | 196 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL196 | 0.5000 | 0 | Moderate Income & Growth Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6354 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 20+ Year Aggressive | 02/28/2026 12:00:00 AM | 2.9553 | 17.8779 | 16.3569 | 8.8710 | 2.9553 | 16.3326 | 14.3728 | 19.2313 | -18.1311 | 17.1037 | 8.82 | 11.84 | 1.23 | 0.49 | | 206 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL206 | 0.5000 | 0 | Aggressive Growth Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6177 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 20+ Year Conservative | 02/28/2026 12:00:00 AM | 2.7858 | 16.7913 | 15.3149 | 7.9008 | 2.7858 | 15.7206 | 13.2273 | 17.4814 | -18.1616 | 15.3416 | 8.05 | 11.18 | 1.22 | 0.43 | | 204 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL204 | 0.5000 | 0 | Conservative Growth Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs)
| | | 0.6212 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 20+ Year Moderate | 02/28/2026 12:00:00 AM | 2.8766 | 17.5397 | 15.8448 | 8.4108 | 2.8766 | 16.1293 | 13.9432 | 18.1285 | -18.2191 | 16.3675 | 8.42 | 11.55 | 1.23 | 0.46 | | 205 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL205 | 0.5000 | 0 | Moderate Growth Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6192 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 6-10 Year Aggressive | | | | | | | | | | | | | | | | | 200 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL200 | 0.5000 | 0 | Aggressive Balanced Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs)
| | | 0.6286 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 6-10 Year Conservative | | | | | | | | | | | | | | | | | 198 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL198 | 0.5000 | 0 | Conservative Balanced Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6303 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | 6-10 Year Moderate | 02/28/2026 12:00:00 AM | 2.3435 | 13.1403 | 11.7432 | 5.6255 | 2.3435 | 12.7010 | 9.2490 | 13.1547 | -14.8636 | 9.5348 | 6.54 | 8.66 | 1 | 0.27 | | 199 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL199 | 0.5000 | 0 | Moderate Balanced Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6298 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 11-19 Years Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7767 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7767 | 0.5000 | 0 | Efficient Market Advisor's 11-19 Years Aggressive
Strategy provides a solution for investors who are within
eleven to nineteen years from needing to begin spending
their investment. The Strategy's main objective is to
achieve a balanced return by investing in a combination
of asset classes. The Strategy consists of multiple
exchange-traded funds (ETFs) and a cash account.
Income is derived primarily from investments in fixed
income ETFs and secondarily from equity ETFs. The
11-19 Years Aggressive Strategy is designed for investors
who are willing to tolerate a higher level of volatility in
their portfolio. | | | 0.6344 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 11-19 Years Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7765 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7765 | 0.5000 | 0 | Efficient Market Advisor's 11-19 Years Conservative
Strategy provides a solution for investors who are
within eleven to nineteen years from needing to
begin spending their investment. The Strategy's
main objective is to achieve a balanced return by
investing in a combination of asset classes. The
Strategy consists of multiple exchange-traded funds
(ETFs) and a cash account. Income is derived
primarily from investments in fixed income ETFs and
secondarily from equity ETFs. The 11-19 Years
Conservative Strategy is designed for investors with
a lower tolerance for volatility in their portfolio. | | | 0.6351 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 11-19 Years Moderate | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7766 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7766 | 0.5000 | 0 | Efficient Market Advisor's 11-19 Years Moderate Strategy
provides a solution for investors who are within eleven to
nineteen years from needing to begin spending their
investment. The Strategy's main objective is to achieve a
balanced return by investing in a combination of asset
classes. The Strategy consists of multiple exchangetraded
funds (ETFs) and a cash account. Income is
derived primarily from investments in fixed income ETFs
and secondarily from equity ETFs. The 11-19 Years
Moderate Strategy is designed for investors willing to
accept a moderate level of volatility in their portfolio. | | | 0.6353 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 2-5 Years Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7761 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7761 | 0.5000 | 0 | Efficient Market Advisor's 2-5 Years Aggressive Strategy
provides a solution for investors who are within two to
five years from needing to begin spending their
investment. The Strategy's main objective is to achieve a
balanced return by investing in a combination of asset
classes. The Strategy consists of multiple exchangetraded
funds (ETFs) and a cash account. Income is
derived primarily from investments in fixed income ETFs
and secondarily from equity ETFs. The 2-5 Years
Aggressive Strategy is designed for investors who are
willing to tolerate a higher level of volatility in their
portfolio. | | | 0.6369 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 2-5 Years Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7759 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7759 | 0.5000 | 0 | Efficient Market Advisor's 2-5 Years Conservative
Strategy provides a solution for investors who are
within two to five years from needing to begin
spending their investment. The Strategy's main
objective is to achieve a balanced return by
investing in a combination of asset classes. The
Strategy consists of multiple exchange-traded funds
(ETFs) and a cash account. Income is derived
primarily from investments in fixed income ETFs and
secondarily from equity ETFs. The 2-5 Years
Conservative Strategy is designed for investors with
a lower tolerance for volatility in their portfolio. | | | 0.6372 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 2-5 Years Moderate | | | | | | | | | | | | | | | | | 7760 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7760 | 0.5000 | 0 | Efficient Market Advisor's 2-5 Years Moderate Strategy
provides a solution for investors who are within two to
five years from needing to begin spending their
investment. The Strategy's main objective is to achieve a
balanced return by investing in a combination of asset
classes. The Strategy consists of multiple exchangetraded
funds (ETFs) and a cash account. Income is
derived primarily from investments in fixed income ETFs
and secondarily from equity ETFs. The 2-5 Years
Moderate Strategy is designed for investors willing to
accept a moderate level of volatility in their portfolio. | | | 0.6369 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 20+ Years Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7770 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7770 | 0.5000 | 0 | Efficient Market Advisor's 20 Plus Years Aggressive
Strategy provides a solution for investors who are in
excess of twenty years from needing to begin spending
their investment. The Strategy's main objective is to
achieve a balanced return by investing in a combination
of asset classes. The Strategy consists of multiple
exchange-traded funds (ETFs) and a cash account.
Income is derived primarily from investments in fixed
income ETFs and secondarily from equity ETFs. The 20
Plus Years Aggressive Strategy is designed for investors
who are willing to tolerate a higher level of volatility in
their portfolio. | | | 0.6331 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 20+ Years Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7768 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7768 | 0.5000 | 0 | Efficient Market Advisor's 20 Plus Years Conservative
Strategy provides a solution for investors who are in
excess of twenty years from needing to begin spending
their investment. The Strategy's main objective is to
achieve a balanced return by investing in a combination
of asset classes. The Strategy consists of multiple
exchange-traded funds (ETFs) and a cash account.
Income is derived primarily from investments in fixed
income ETFs and secondarily from equity ETFs. The 20
Plus Years Conservative Strategy is designed for
investors with a lower tolerance for volatility in their
portfolio. | | | 0.6351 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 20+ Years Moderate | | | | | | | | | | | | | | | | | 7769 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7769 | 0.5000 | 0 | Efficient Market Advisor's 20 Plus Years Moderate
Strategy provides a solution for investors who are in
excess of twenty years from needing to begin spending
their investment. The Strategy's main objective is to
achieve a balanced return by investing in a combination
of asset classes. The Strategy consists of multiple
exchange-traded funds (ETFs) and a cash account.
Income is derived primarily from investments in fixed
income ETFs and secondarily from equity ETFs. The 20
Plus Years Moderate Strategy is designed for investors
willing to accept a moderate level of volatility in their
portfolio. | | | 0.6344 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 6-10 Years Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7764 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7764 | 0.5000 | 0 | Efficient Market Advisor's 6-10 Years Aggressive Strategy
provides a solution for investors who are within six to ten
years from needing to begin spending their investment.
The Strategy's main objective is to achieve a balanced
return by investing in a combination of asset classes. The
Strategy consists of multiple exchange-traded funds
(ETFs) and a cash account. Income is derived primarily
from investments in fixed income ETFs and secondarily
from equity ETFs. The 6-10 Years Aggressive Strategy is
designed for investors who are willing to tolerate a higher
level of volatility in their portfolio. | | | 0.6355 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 6-10 Years Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7762 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7762 | 0.5000 | 0 | Efficient Market Advisor's 6-10 Years Conservative
Strategy provides a solution for investors who are
within six to ten years from needing to begin
spending their investment. The Strategy's main
objective is to achieve a balanced return by
investing in a combination of asset classes. The
Strategy consists of multiple exchange-traded funds
(ETFs) and a cash account. Income is derived
primarily from investments in fixed income ETFs and
secondarily from equity ETFs. The 6-10 Years
Conservative Strategy is designed for investors with
a lower tolerance for volatility in their portfolio. | | | 0.6358 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen 6-10 Years Moderate | | | | | | | | | | | | | | | | | 7763 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7763 | 0.5000 | 0 | Efficient Market Advisor's 6-10 Years Moderate Strategy
provides a solution for investors who are within six to ten
years from needing to begin spending their investment.
The Strategy's main objective is to achieve a balanced
return by investing in a combination of asset classes. The
Strategy consists of multiple exchange-traded funds
(ETFs) and a cash account. Income is derived primarily
from investments in fixed income ETFs and secondarily
from equity ETFs. The 6-10 Years Moderate Strategy is
designed for investors willing to accept a moderate level
of volatility in their portfolio. | | | 0.6358 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen Taking Income Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7758 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7758 | 0.5000 | 0 | Efficient Market Advisor's Taking Income Aggressive
Strategy provides a solution for investors who are
currently spending their investment. The Strategy's
main objective is to achieve a balanced return by
investing in a combination of asset classes. The
Strategy consists of multiple exchange-traded funds
(ETFs) and a cash account. Income is derived
primarily from investments in fixed income ETFs and
secondarily from equity ETFs. The Taking Income
Aggressive Strategy is designed for investors who
are willing to tolerate a higher level of volatility in
their portfolio. | | | 0.6371 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen Taking Income Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7756 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7756 | 0.5000 | 0 | Efficient Market Advisor's Taking Income
Conservative Strategy provides a solution for
investors who are currently spending their
investment. The Strategy's main objective is to
achieve a balanced return by investing in a
combination of asset classes. The Strategy consists
of multiple exchange-traded funds (ETFs) and a cash
account. Income is derived primarily from
investments in fixed income ETFs and secondarily
from equity ETFs. The Taking Income Conservative
Strategy is designed for investors with a lower
tolerance for volatility in their portfolio. | | | 0.6245 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Degreen Taking Income Moderate | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 7757 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7757 | 0.5000 | 0 | Efficient Market Advisor's Taking Income Moderate
Strategy provides a solution for investors who are
currently spending their investment. The Strategy's
main objective is to achieve a balanced return by
investing in a combination of asset classes. The
Strategy consists of multiple exchange-traded funds
(ETFs) and a cash account. Income is derived
primarily from investments in fixed income ETFs and
secondarily from equity ETFs. The Taking Income
Moderate Strategy is designed for investors willing
to accept a moderate level of volatility in their
portfolio. | | | 0.6373 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | ESG 11-19 Years | | | | | | | | | | | | | | | | | 4097 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4097 | 0.5000 | 0 | Moderate Growth & Income Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMAs investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs)
| | | 0.5000 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | ESG 2-5 Years | | | | | | | | | | | | | | | | | 4095 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4095 | 0.5000 | 0 | Moderate Income & Growth Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMAs investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.5000 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | ESG 20 Plus Years | | | | | | | | | | | | | | | | | 4098 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4098 | 0.5000 | 0 | Moderate Growth Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMAs investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.5000 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | ESG 6-10 Years | | | | | | | | | | | | | | | | | 4096 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4096 | 0.5000 | 0 | Moderate Balanced Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMAs investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.5000 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | ESG Taking Income | | | | | | | | | | | | | | | | | 4094 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4094 | 0.5000 | 0 | Income Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMAs investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.5000 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Taking Income Aggressive | | | | | | | | | | | | | | | | | 194 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL194 | 0.5000 | 0 | Aggressive Income Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6375 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Taking Income Conservative | | | | | | | | | | | | | | | | | 192 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL192 | 0.5000 | 0 | Conservative Income Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6382 |
| ModelxChange | Cantor Fitzgerald Investment Advisors | Taking Income Moderate | 02/28/2026 12:00:00 AM | 2.0098 | 8.4678 | 7.7601 | 2.9071 | 2.0098 | 8.9429 | 4.4391 | 8.9764 | -11.3998 | 2.9887 | 5.47 | 6.38 | 0.52 | -0.06 | | 193 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL193 | 0.5000 | 0 | Income Active asset allocation and passive security selection. We believe the primary determinant of a portfolios return is asset allocation. EMA's investment strategy emphasizes top down, macroeconomic research in creating an active asset allocation strategy. This strategy is implemented through our unique time and risk based portfolios. Passive security selection is the use of an index based vehicle to gain diversified exposure to a desired asset class or category. Asset classes and categories may include Stock, Bond, or Alternative based Exchange Traded Funds. (ETFs) | | | 0.6379 |
| ModelxChange | Capital Insight Partners, LLC | Balanced | | | | | | | | | | | | | | | | | 1115 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1115 | 0.2000 | 0 | This portfolio invests across cash equivalents and global bond, stock and alternative investments. It is appropriate as a QDIA and for investors with a balanced objective. This balanced objective is designed to protect capital through time by diversifying across asset classes. It also seeks growth - primarily through the allocations to stocks. The manager tactically reallocates to balance both objectives through time. | | | 0.2642 |
| ModelxChange | Capital Insight Partners, LLC | Equity | | | | | | | | | | | | | | | | | 3581 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3581 | 0.2000 | 0 | This portfolio is majority invested in global stocks. While other assets classes are incorporated, the allocation will be focused on stocks. It is appropriate for those with a higher tolerance for risk. This portfolio generally invests the majority of its assets in global stocks. It seeks growth through capital appreciation. | | | 0.2528 |
| ModelxChange | Capital Insight Partners, LLC | Equity Emphasis | | | | | | | | | | | | | | | | | 1117 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1117 | 0.2000 | 0 | This portfolio is majority invested in global stocks. While other asset classes are incorporated, the allocation to stocks will generally be the highest percentage. It is appropriate for those with an above average tolerance to risk. This portfolio generally invests the majority of its assets in global stocks. It seeks growth through capital appreciation.
| | | 0.2605 |
| ModelxChange | Capital Insight Partners, LLC | Fixed Income | | | | | | | | | | | | | | | | | 3582 | Global Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3582 | 0.2000 | 0 | This portfolio is majority invested in global bonds and alternative assets. While other assets classes are incorporated, the allocation to bonds and alternative assests will generally be the highest. It is appropriate for those with a low tolerance for risk. This portfolio generally invests the majority of its assets in global bonds and alternative assets. It seeks less variance and income generation rather than capital appreciation. | | | 0.2781 |
| ModelxChange | Capital Insight Partners, LLC | Fixed Income Emphasis | | | | | | | | | | | | | | | | | 1116 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1116 | 0.2000 | 0 | This portfolio is majority invested in global bonds and alternative assets. While other asset classes are incorporated, the allocation to bonds and alternative assets will generally be the highest percentage. Some examples of alternative assets include real estate, private equity, commodities and currencies. It is appropriate for those with a lower tolerance for risk than our Balanced and Equity Emphasis portfolios. This portfolio generally invests the majority of its assets in global bonds and alternative assets. It seeks less variance and income generation rather than emphasizing capital appreciation. | | | 0.2721 |
| ModelxChange | Capital Management Services, Inc. | ATG 3.0 | 02/28/2026 12:00:00 AM | 2.7952 | 8.0428 | 10.2892 | 4.9737 | 2.7952 | 3.7621 | 12.2945 | 13.5618 | -15.5803 | 20.2286 | 10.63 | 11.13 | 0.52 | 0.18 | | 2375 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2375 | 0.5000 | 0 | The All Terrain Growth Model 2.0 Launch utilizes a blend of the updated Harmony Model from The Sherman Sheet. It utilizes the SPY when Harmony is positive. Agg when Harmony is in Neutral mode, and a combo of 50% cash and 50% short when the Harmony model is in negative mode. | | | 0.6699 |
| ModelxChange | Capital Management Services, Inc. | CMS Bull/Bear | | | | | | | | | | | | | | | | | 1108 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1108 | 0.5000 | 0 | The objective of the Bull/Bear Model is to provide exposure to Equities during Cyclical Bull markets, and exposure to Bonds and/or Cash during Cyclical Bear markets. The Bull/Bear Model employs a proprietary Bull-Bear Indicator, built from supply and demand measurements of the US Equity market, to determine whether the US Equity market is in Cyclical Bull or Cyclical Bear status. When in Cyclical Bull status, the Bull/Bear Model is completely invested in Equity positions. When in Cyclical Bear status, the Bull/Bear model is completely invested in Fixed Income/Bond positions. Both Equity and Fixed Income/Bond positions are selected from among low-cost ETF candidates based on performance and relative strength criteria, and are adjusted at least quarterly. | | | 0.5000 |
| ModelxChange | Capital Management Services, Inc. | CMS Bull/Calendar Effects | 02/28/2026 12:00:00 AM | 1.7349 | 16.7795 | 16.5647 | | 1.7349 | 14.9978 | 20.7532 | 17.2537 | | 19.0557 | 10.21 | | 1.09 | | | 1109 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1109 | 0.5000 | 0 | The objective of the Bull/Calendar Model is to provide full 100% exposure to Equities during Cyclical Bull markets, and greatly reduced exposure to Equities during Cyclical Bear markets. The Bull/Calendar Model employs a proprietary Bull-Bear Indicator, built from supply and demand measurements of the US Equity market, to determine whether the US Equity market is in Cyclical Bull or Cyclical Bear status. When in Cyclical Bull status, the Bull/Calendar Model is completely invested in Equity positions. When in Cyclical Bear status, the Bull/Calendar model follows the Calendar Effects strategy, as explained in the Fact Sheet for the Calendar Effects Model. Equity positions are selected from among low-cost ETF candidates based on performance and relative strength criteria, and are adjusted at least quarterly when in Cyclical Bull status, and more frequently when in Cyclical Bear status. | | | 0.6575 |
| ModelxChange | Capital Management Services, Inc. | CMS Calendar Effects | | | | | | | | | | | | | | | | | 718 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL718 | 0.5000 | 0 | The objective of the Calendar Effects Model is to take advantage of the Equity Market anomaly known as "Calendar Effects". Calendar Effects are the tendency of the markets to be positive a much higher percentage of the time than would be randomly expected during certain periods of time defined solely by their position in the calendar. This Model may be suitable for investors with a conservative risk profile, or by investors seeking a strategy with a low correlation to the overall Equity market. The Calendar Effects Model will be out of the Equity Market, and in Fixed Income or Cash positions, except for those periods of time determined by CMS analysis to qualify as "Calendar Effects" periods. During "Calendar Effects" periods, the Model is 100% invested in low-cost ETFs selected on the basis of performance and relative strength criteria. Typically, there will be 12 to 14 such periods in a Calendar Year, totaling 70-80 market days (28% - 32% Equity Market time-weighted exposure in a typical year containing 252 market days). | | | 0.6071 |
| ModelxChange | Capital Management Services, Inc. | CMS Conservative/Moderate Blend | | | | | | | | | | | | | | | | | 1043 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1043 | 0.5000 | 0 | The objective of the Conservative/Moderate Blend Model is to combine the benefits of four independent Specialty Portfolios: Calendar Effects, Sector Rotation, Long/Cash and Multi-Sector Bond. The Conservative/Moderate Blend is intended to produce results that are smoother and with fewer significant drawdowns than the individual portfolios. The Conservative/Moderate Blend deploys 25% allocations to each of these four Portfolios: Calendar Effects, Sector Rotation, Long/Cash and Multi-Sector Bond. Each portfolio adheres to its own strategy. See the Fact Sheets for each of the four Portfolios for detailed information on each. The Conservative/Moderate Blend Model and each of the four component Portfolios is managed by CMS Advisors. | | | 0.5000 |
| ModelxChange | Capital Management Services, Inc. | CMS Long/Cash | | | | | | | | | | | | | | | | | 969 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL969 | 0.5000 | 0 | The objective of the Long/Cash Model is to achieve above-average returns by investing in high-performing US and International candidate ETFs, and by avoiding the bulk of intermediate-term (weeks to months) declines in the markets. The Long/Cash Model exits all equity positions and invests in cash and cash-equivalents during intermediate-term declines in the equity markets. The identification of intermediate-term declines is achieved by using a proprietary measurement of the spread or contraction of demand within 36 sectors in the US equity market. When invested, the Long/Cash Model uses US and International positions. The US positions include both stylebox and sector investments, and always represent the majority of the Model's investments. Selections are made from low-cost ETFs, and are based on momentum, relative strength and other performance measurements. Quarterly reallocations are performed when the Long/Cash Model is in the market. | | | 0.5000 |
| ModelxChange | Capital Management Services, Inc. | CMS Long/Short | | | | | | | | | | | | | | | | | 1103 | Long-Short Equity | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1103 | 0.5000 | 0 | The objective of the Long/Short Model is to achieve above-average returns by investing in high-performing US and International candidate ETFs during intermediate-term (weeks to months) uptrends in the US market, and by investing in inverse S&P500 ETFs during intermediate-term declines in the US market. The Long/Short Model exits all Long positions and invests 100% in inverse S&P 500 ETFs during intermediate-term declines in the equity markets. The identification of intermediate-term declines is achieved by using a proprietary measurement of the spread or contraction of demand within 36 sectors in the US equity market. When invested Long, the Long/Short Model uses US and International positions. The US positions include both stylebox and sector investments, and always represent the majority of the Model's Long investments. Selections are made from low-cost ETFs, and are based on momentum, relative strength and other performance measurements. Quarterly reallocations are performed when the Long/Short Model is positioned Long in the market. | | | 0.5000 |
| ModelxChange | Capital Management Services, Inc. | CMS Moderate/Aggressive Blend | | | | | | | | | | | | | | | | | 1112 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1112 | 0.5000 | 0 | The objective of the Moderate/Aggressive Blend Model is to combine the benefits of four independent Specialty Portfolios: Calendar Effects, Sector Rotation, Long/Short and Multi-Sector Bond. The Moderate/Aggressive Blend is intended to produce results that are smoother and with fewer significant drawdowns than the individual portfolios. The Moderate/Aggressive Blend deploys 25% allocations to each of these four Portfolios: Calendar Effects, Sector Rotation, Long/Short and Multi-Sector Bond. Each portfolio adheres to its own strategy. See the Fact Sheets for each of the four Portfolios for detailed information on each. The Moderate/Aggressive Blend Model and each of the four component Portfolios is managed by CMS Advisors. | | | 0.5000 |
| ModelxChange | Capital Management Services, Inc. | CMS Multi-Sector Bond | | | | | | | | | | | | | | | | | 968 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL968 | 0.5000 | 0 | The objective of the Multi-Sector Bond Model is to provide exposure to multiple high-performing sectors of the Bond asset class. The Multi-Sector Bond Model is reallocated quarterly. Up to three Bond sector ETFs are selected each quarter for inclusion in the Model portfolio. The quarterly selection of Bond sectors is made from among low-cost ETFs on the basis of momentum, relative strength and other performance measurements. | | | 0.7163 |
| ModelxChange | Capital Management Services, Inc. | CMS Risk-Managed High Equity | | | | | | | | | | | | | | | | | 715 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL715 | 0.5000 | 0 | The objective of the Risk-Managed High Equity Model is to provide a "High" level of exposure to the equity markets, and seeks to manage risk by avoiding severe market declines. This Model may be suitable for investors with an aggressive risk profile and/or a longer-term investing horizon. The Risk-Managed High Equity Model employs a 90% maximum Equity exposure during favorable, low-risk market conditions, and a 10% Equity exposure during unfavorable, high-risk market conditions. Favorable or unfavorable conditions are determined quarterly using proprietary market supply and demand measurements and trend analysis. The non-Equity portion of the Model is invested in Fixed Income (Bond) positions. Both Equity and Fixed Income positions are selected from among low-cost ETF candidates based on performance and relative strength criteria, and are adjusted at least quarterly. The Risk-Managed High Equity Model has been awarded the DALBAR QDIA Validation each year since 2014, certifying that the Risk-Managed High Equity Model is suitable for use as a Qualified Default Investment Alternative and meets all the ERISA requirements applicable to QDIAs. In addition, the Risk-Managed High Equity Model was awarded all “A” (highest) rankings in the separate DALBAR Asset Allocator analysis. The DALBAR QDIA Validation is recognized as a primary means for plan sponsors and advisors to satisfy the ERISA requirements for due diligence and analysis of QDIAs used in their plans. | | | 0.7432 |
| ModelxChange | Capital Management Services, Inc. | CMS Sector Rotation | 02/28/2026 12:00:00 AM | -2.5247 | 8.6426 | 14.8713 | | -2.5247 | 12.6223 | 21.6081 | 16.7534 | | 16.8163 | 9.33 | | 1.02 | | | 967 | Miscellaneous Sector | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL967 | 0.5000 | 0 | The objective of the Sector Rotation Model is to provide exposure to US Equity Sectors during quarters deemed to be low-risk, and to Bond Sectors during quarters deemed to be high-risk. A risk determination is made at the beginning of each quarter. If the quarter is deemed to be low-risk, then US Equity Sectors are selected for the Model, reallocated monthly during the quarter. If the quarter is deemed to be high-risk, then Bond Sectors are selected for the Model, and held for the duration of the quarter. Both Equity and Bond Sector positions are selected from among low-cost ETF candidates based on performance and relative strength criteria. | | | 0.7850 |
| ModelxChange | Capital Management Services, Inc. | CMS STAR Min/Max 0/100 | | | | | | | | | | | | | | | | | 2252 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2252 | 0.5000 | 0 | The objective of the STAR Min/Max 0/100 Model is to provide a 100% exposure to the equity markets when the model's risk management indicators favor equities, and seeks to manage risk by exiting equity positions altogether when the model's risk-management indicators sense the risk of a severe market declines This Model may be suitable for investors with an aggressive risk profile and/or a longer-term investing horizon. The STAR Min/Max 0/100 Model employs a full 100% Equity exposure during favorable, lower-risk market conditions, and a 0% Equity/100% Fixed Income exposure during unfavorable, higher-risk market conditions. Favorable or unfavorable conditions are determined quarterly using proprietary market supply and demand measurements and trend analysis. Both Equity and Fixed Income positions are selected from among low-cost ETF candidates based on performance and relative strength criteria, and are adjusted at least quarterly. | | | 0.5000 |
| ModelxChange | Capital Management Services, Inc. | Conservative Tactical Strategy | | | | | | | | | | | | | | | | | 7602 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7602 | 0.5000 | 0 | Risk Managed, Conservative Capital Management Services employs the use of low-cost ETFs and Mutual Fund's in a trend following system that systematically adjusts the portfolios as various market conditions change. The purpose of the Conservative model is to utilize a blend of bond ETFs, low equity ETF exposure and cash when the markets are in a negative condition, while employing a conservative approach with more equity ETFs when the markets are in a positive condition. | | | 0.5000 |
| ModelxChange | Capital Management Services, Inc. | Optimum Bond Strategy | | | | | | | | | | | | | | | | | 8859 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8859 | 0.5000 | 0 | The Optimum Bond Strategy is built on one of the most persistent phenomena of fixed income investing: that bonds issued by the US Treasury, backed by the full faith and credit of the US Government, are typically the best-performing fixed income assets in times of equity markets distress, and that Corporate Bonds are typically the best-performing fixed income assets when the equity market is enjoying smooth sailing. The Optimum Bond Strategy takes advantage of this phenomenon by switching between US Treasury Bonds and Corporate Bonds based on the state of Sherman Sheet indicators that identify the condition of the equity market. When both the Bull-Bear Indicator and the Balance of Strength Signal (BOSS) indicator are positive, the Optimum Bond Strategy is 100% invested in Corporate Bonds. By default, the investment is 50% in Investment-Grade Corporate Bonds, and 50% in High-Yield Corporate Bonds. When either the Bull-Bear Indicator or the Balance of Strength Signal (BOSS) indicator is negative, the Optimum Bond Strategy is 100% invested in 7-10 year US Treasury Bonds. | | | 0.6500 |
| ModelxChange | Capital Management Services, Inc. | Tactically Risk-Managed Gold Strategy | | | | | | | | | | | | | | | | | 2374 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2374 | 0.5000 | 0 | The Risk-Managed Gold Model is a longer-term low-activity Model whose goal is to identify and invest in longer-term uptrends in Gold, while managing the risk of investing in this highly volatile commodity by identifying and avoiding its longer-term downtrends. Trends are identified by the proprietary Gold Trend Strength Indicator. When gold is in a downtrend, funds are invested productively in the CMS Bull/Calendar model. When the Risk-Managed Gold Model's Trend Strength Indicator is positive (above zero), 100% of funds are invested in shares of GLD, the leading gold-holding ETF. When the Gold Trend Strength Indicator is negative (below zero), 100% of funds are invested in the Bull/Calendar Model (an all-equity model). | | | 0.9000 |
| ModelxChange | Cavalier Investments, LLC | SMART Portfolio (1) Conservative | | | | | | | | | | | | | | | | | 7960 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7960 | 0.0000 | 0 | SMART Portfolio (5) Conservative, is designed to help improve investment results over all market conditions while seeking a higher level of growth over a full market cycle. SMART Portfolios incorporate sound investment management solutions that target benchmark returns in up markets, while seeking to limit losses in down markets. SMART Portfolios combine the strongest ideas that the industry offers, to help deliver a smoother ride for investors. SMART Portfolio (5) Conservative, combine strategic, opportunistic and tactical segments. SMART Portfolios are designed to be dynamic, and can systematically overweight equity exposure by up to 10%, in up markets; and, underweight equities by up to 30% in down markets.
Portfolio Allocation Range: Equities - Fixed Income/Cash
Target Allocation 20% - 80%
Up Markets 24% - 76%
Down Markets 14% - 86%
| | | 0.6209 |
| ModelxChange | Cavalier Investments, LLC | SMART Portfolio (2) Moderate Conservative | 02/28/2026 12:00:00 AM | 3.0535 | 12.7039 | 9.8473 | 4.6839 | 3.0535 | 10.6129 | 9.1683 | 8.5787 | -13.9445 | 8.0000 | 7.75 | 9.25 | 0.63 | 0.17 | | 7959 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7959 | 0.0000 | 0 | SMART Portfolio (4) Moderate Conservative, is designed to help improve investment results over all market conditions while seeking a higher level of growth over a full market cycle. SMART Portfolios incorporate sound investment management solutions that target benchmark returns in up markets, while seeking to limit losses in down markets. SMART Portfolios combine the strongest ideas that the industry offers, to help deliver a smoother ride for investors. SMART Portfolio (4) Moderate Conservative, combine strategic, opportunistic and tactical segments. SMART Portfolios are designed to be dynamic, and can systematically overweight equity exposure by up to 10%, in up markets; and, underweight equities by up to 30% in down markets.
Portfolio Allocation Range: Equities - Fixed Income/Cash
Target Allocation 40% - 60%
Up Markets 44% - 56%
Down Markets 28% - 72%
| | | 0.6738 |
| ModelxChange | Cavalier Investments, LLC | SMART Portfolio (3) Moderate | 02/28/2026 12:00:00 AM | 3.4002 | 14.5514 | 11.7617 | 5.8525 | 3.4002 | 12.1571 | 11.6548 | 10.3334 | -16.1874 | 12.0443 | 9.08 | 11.07 | 0.74 | 0.26 | | 7958 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7958 | 0.0000 | 0 | SMART Portfolio (3) Moderate, is designed to help improve investment results over all market conditions while seeking a higher level of growth over a full market cycle. SMART Portfolios incorporate sound investment management solutions that target benchmark returns in up markets, while seeking to limit losses in down markets. SMART Portfolios combine the strongest ideas that the industry offers, to help deliver a smoother ride for investors. SMART Portfolio (3) Moderate, combine strategic, opportunistic and tactical segments. SMART Portfolios are designed to be dynamic, and can systematically overweight equity exposure by up to 10%, in up markets; and, underweight equities by up to 30% in down markets.
Portfolio Allocation Range: Equities - Fixed Income/Cash
Target Allocation 60% - 40%
Up Markets 66% - 34%
Down Markets 42% - 58%
| | | 0.7269 |
| ModelxChange | Cavalier Investments, LLC | SMART Portfolio (4) Moderate Aggressive | 02/28/2026 12:00:00 AM | 3.6851 | 16.3719 | 13.5777 | 7.1392 | 3.6851 | 13.2987 | 13.9964 | 12.6109 | -17.0823 | 14.8262 | 10.06 | 12.77 | 0.84 | 0.33 | | 7957 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7957 | 0.0000 | 0 | SMART Portfolio (2) Moderate Aggressive, is designed to help improve investment results over all market conditions while seeking a higher level of growth over a full market cycle. SMART Portfolios incorporate sound investment management solutions that target benchmark returns in up markets, while seeking to limit losses in down markets. SMART Portfolios combine the strongest ideas that the industry offers, to help deliver a smoother ride for investors. SMART Portfolio (2) Moderate Aggressive, combine strategic, opportunistic and tactical segments. SMART Portfolios are designed to be dynamic, and can systematically overweight equity exposure by up to 10%, in up markets; and, underweight equities by up to 30% in down markets.
Portfolio Allocation Range: Equities - Fixed Income/Cash
Target Allocation 80% - 20%
Up Markets 88% - 12%
Down Markets 56% - 44%
| | | 0.7799 |
| ModelxChange | Cavalier Investments, LLC | SMART Portfolio (5) Aggressive | 02/28/2026 12:00:00 AM | 3.6633 | 17.1890 | | | 3.6633 | 13.9377 | | | -17.5257 | 15.9136 | | | | | | 7956 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7956 | 0.0000 | 0 | SMART Portfolio (1) Aggressive, is designed to help improve investment results over all market conditions while seeking a higher level of growth over a full market cycle. SMART Portfolios incorporate sound investment management solutions that target benchmark returns in up markets, while seeking to limit losses in down markets. SMART Portfolios combine the strongest ideas that the industry offers, to help deliver a smoother ride for investors. SMART Portfolio (1) Aggressive, combine strategic, opportunistic and tactical segments. SMART Portfolios are designed to be dynamic, and can systematically overweight equity exposure by up to 10%, in up markets; and, underweight equities by up to 30% in down markets.
Portfolio Allocation Range: Equities - Fixed Income/Cash
Target Allocation 100% - 0%
Up Markets 100% - 0%
Down Markets 70% - 30%
| | | 0.7808 |
| ModelxChange | Chairvolotti Financial Inc | Dividend Model | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 12616 | Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12616 | 0.0000 | 0 | A model that prioritizes yield. | | | 4.5949 |
| ModelxChange | Chairvolotti Financial Inc | Karat Conservative | 02/28/2026 12:00:00 AM | 0.5747 | | | | 0.5747 | | | | | | | | | | | 9198 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9198 | 0.0000 | 0 | An investment allocation consisting of 20% equities and 80% fixed income. | | | 0.4680 |
| ModelxChange | Chairvolotti Financial Inc | Karat Conservative Allocation | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15456 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15456 | 0.1000 | 0 | Conservative Allocation with 20% Equity and 80% Fixed Income | | | 0.5680 |
| ModelxChange | Chairvolotti Financial Inc | Karat Growth | 02/28/2026 12:00:00 AM | 4.6493 | 20.9600 | 16.4116 | | 4.6493 | 17.7483 | 13.4249 | 17.1177 | -20.5668 | | 10.23 | | 1.07 | | | 9200 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9200 | 0.0000 | 0 | An investment allocation of 80% equities and 20% fixed income. | | | 0.3410 |
| ModelxChange | Chairvolotti Financial Inc | Karat Growth Allocation | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15458 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15458 | 0.1000 | 0 | Growth Allocation with 80% Equities and 20% Fixed Income | | | 0.4400 |
| ModelxChange | Chairvolotti Financial Inc | Karat Moderate | 02/28/2026 12:00:00 AM | 2.6333 | 15.9600 | 13.2687 | | 2.6333 | 14.6576 | 10.5237 | 14.5195 | -14.7746 | | 8.26 | | 0.97 | | | 9199 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9199 | 0.0000 | 0 | An investment allocation of 60% equities and 40% fixed income. | | | 0.3695 |
| ModelxChange | Chairvolotti Financial Inc | Karat Moderate Allocation | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15457 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15457 | 0.1000 | 0 | Moderate Allocation consisting of 60% Equites and 40% Fixed Income | | | 0.4685 |
| ModelxChange | Chairvolotti Financial Inc | Karat Tactical | 02/28/2026 12:00:00 AM | 5.5632 | 25.1959 | 18.7482 | | 5.5632 | 19.2665 | 14.9642 | 24.3054 | -19.4587 | | 13.2 | | 1.01 | | | 9201 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9201 | 0.0000 | 0 | An investment allocation that utilizes a dynamic, tactical strategy. | | | 0.3220 |
| ModelxChange | Chairvolotti Financial Inc | Karat Tactical Allocation | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15455 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15455 | 0.1000 | 0 | Opportunistic Model taking advantage of Market Conditions when times are good and ultra conservative when markets are bad | | | 0.4210 |
| ModelxChange | Contego Capital Group | Contego Aggressive | 02/28/2026 12:00:00 AM | 6.5907 | | | | 6.5907 | | | | | | | | | | | 13847 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13847 | 0.0000 | 0 | The Contego Aggressive strategy seeks to provide capital appreciation and growth. The strategy is designed for investors with a long-term time horizon and high-risk tolerance. The strategy is an passively managed allocation, primarily invested in shares of underlying exchange-traded funds diversified across major equity sectors. | | | 0.1385 |
| ModelxChange | Contego Capital Group | Contego Conservative | 02/28/2026 12:00:00 AM | 3.5712 | | | | 3.5712 | | | | | | | | | | | 13843 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13843 | 0.0000 | 0 | The Contego Conservative strategy seeks to provide low volatility, capital appreciation and income. The strategy is designed for investors with a long-term time horizon and low-risk tolerance. The strategy is a passively managed allocation, primarily invested in shares of underlying exchange-traded funds, providing exposure to fixed income. | | | 0.0966 |
| ModelxChange | Contego Capital Group | Contego Moderate | 02/28/2026 12:00:00 AM | 5.2721 | | | | 5.2721 | | | | | | | | | | | 13845 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13845 | 0.0000 | 0 | The Contego Moderate strategy seeks to provide moderate volatility, capital appreciation and income. The strategy is an passively managed allocation, primarily invested in shares of underlying exchange-traded funds, diversified 50% across major equity sectors and 50% fixed income sectors. The The strategy is designed for investors with a medium to long-term time horizon and moderate risk tolerance. | | | 0.1179 |
| ModelxChange | Contego Capital Group | Contego Moderately Aggressive | 02/28/2026 12:00:00 AM | 5.9179 | | | | 5.9179 | | | | | | | | | | | 13846 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13846 | 0.0000 | 0 | The Contego Moderately Aggressive strategy seeks to provide moderately high volatility, capital appreciation and income. The strategy is an passively managed allocation, primarily invested in shares of underlying exchange-traded funds, diversified 75% across major equity sectors and 25% fixed income sectors. The The strategy is designed for investors with a moderately long-term time horizon and moderately high risk tolerance. | | | 0.1279 |
| ModelxChange | Contego Capital Group | Contego Moderately Conservative | 02/28/2026 12:00:00 AM | 4.2889 | | | | 4.2889 | | | | | | | | | | | 13844 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13844 | 0.0000 | 0 | The Contego Moderately Conservative strategy seeks to provide moderately low volatility, capital appreciation and income. The strategy is an passively managed allocation, primarily invested in shares of underlying exchange-traded funds, diversified 25% across major equity sectors and 75% fixed income sectors. The The strategy is designed for investors with a medium to long-term time horizon and moderate to low-risk tolerance. | | | 0.1079 |
| ModelxChange | Contego Capital Group | Contego Select Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13842 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13842 | 0.0000 | 0 | The Contego Select Aggressive strategy seeks to provide capital appreciation and growth. The strategy is designed for investors with a long-term time horizon and high-risk tolerance. The strategy is an actively managed allocation, primarily invested in shares of underlying exchange-traded funds diversified across major equity sectors. | | | 0.2836 |
| ModelxChange | Contego Capital Group | Contego Select Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13838 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13838 | 0.0000 | 0 | The Contego Select Conservative strategy seeks to provide low volatility, capital appreciation and income. The strategy is designed for investors with a long-term time horizon and low-risk tolerance. The strategy is an actively managed allocation, primarily invested in shares of underlying exchange-traded funds, providing exposure to fixed income.
| | | 0.1832 |
| ModelxChange | Contego Capital Group | Contego Select Moderate | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13840 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13840 | 0.0000 | 0 | The Contego Select Moderate strategy seeks to provide moderate volatility, capital appreciation and income. The strategy is an actively managed allocation, primarily invested in shares of underlying exchange-traded funds, diversified 50% across major equity sectors and 50% fixed income sectors. The The strategy is designed for investors with a medium to long-term time horizon and moderate risk tolerance. | | | 0.2336 |
| ModelxChange | Contego Capital Group | Contego Select Moderately Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13841 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13841 | 0.0000 | 0 | The Contego Select Moderately Aggressive strategy seeks to provide moderately high volatility, capital appreciation and income. The strategy is an actively managed allocation, primarily invested in shares of underlying exchange-traded funds, diversified 75% across major equity sectors and 25% fixed income sectors. The The strategy is designed for investors with a moderately long-term time horizon and moderately high risk tolerance. | | | 0.2578 |
| ModelxChange | Contego Capital Group | Contego Select Moderately Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13839 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13839 | 0.0000 | 0 | The Contego Select Moderately Conservative strategy seeks to provide moderately low volatility, capital appreciation and income. The strategy is an actively managed allocation, primarily invested in shares of underlying exchange-traded funds, diversified 25% across major equity sectors and 75% fixed income sectors. The The strategy is designed for investors with a medium to long-term time horizon and moderate to low-risk tolerance. | | | 0.2095 |
| ModelxChange | Digital Asset Investment Management (DAiM) | DAiM - Bitcoin Target Date Fund 2025 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14036 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14036 | 0.4000 | 0 | DAiM – Bitcoin Target Date Fund 2025 is designed for investors who are entering or have recently entered retirement. The fund offers a diversified portfolio within a single investment vehicle that has gradually shifted its asset mix over time. Now that it has reached its target date, the fund emphasizes income and capital preservation with a higher allocation to bonds and a lower allocation to equities. It maintains a fixed 1% allocation to Bitcoin for long-term diversification. The stock and bond mix will continue to adjust over the next several years toward a more conservative weighting, while still providing the benefit of Bitcoin exposure at a steady 1%. While more conservative than in earlier years, investors should still be prepared for some volatility from movements in the stock, bond, and crypto markets. | | | 0.4611 |
| ModelxChange | Digital Asset Investment Management (DAiM) | DAiM - Bitcoin Target Date Fund 2030 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14037 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14037 | 0.4000 | 0 |
The DAiM – Bitcoin Target Date Fund 2030 is built for investors planning to retire around the year 2030. The fund features a diversified portfolio that automatically adjusts its asset allocation over time to reduce risk as retirement approaches. Initially, the portfolio is more growth-oriented with a significant allocation to equities and a strategic allocation to bitcoin.
The fund starts with a 3% allocation to Bitcoin, which gradually decreases over time along a predefined glidepath, reaching 1% by the target retirement year. This approach offers early exposure to bitcoin's potential while managing volatility for investors nearing retirement. Simultaneously, the equity allocation is reduced and bond exposure increased to provide income and capital preservation. | | | 0.4626 |
| ModelxChange | Digital Asset Investment Management (DAiM) | DAiM - Bitcoin Target Date Fund 2045 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14038 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14038 | 0.4000 | 0 | The DAiM – Bitcoin Target Date Fund 2045 is designed for investors planning to retire around the year 2045. The fund provides a diversified portfolio in a single investment that automatically adjusts its asset mix over time. It starts with a growth-oriented allocation emphasizing equities and a strategic allocation to bitcoin, and gradually shifts toward a more conservative bond-heavy mix as the target retirement year approaches.
The fund begins with a 6% allocation to Bitcoin, which decreases gradually over time along a predefined glidepath, reaching 1% by the target retirement year. This phased approach allows investors to benefit from bitcoin's potential in early years while managing volatility as retirement nears. The remaining portfolio transitions from equities to bonds accordingly. Investors should be prepared to tolerate higher levels of market volatility given the fund’s longer time horizon and equity/crypto tilt. | | | 0.4646 |
| ModelxChange | Digital Asset Investment Management (DAiM) | DAiM - Bitcoin Target Date Fund 2060 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14039 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14039 | 0.4000 | 0 | The DAiM – Bitcoin Target Date Fund 2060 is intended for investors planning to retire around the year 2060. With a long time horizon, the fund is designed to pursue aggressive growth early on through a high allocation to equities and a meaningful exposure to bitcoin, gradually reducing risk as the retirement date approaches.
The fund starts with a 10% allocation to Bitcoin, which systematically decreases along a glidepath to 1% by the target retirement year. This approach offers long-term investors the opportunity to benefit from bitcoin’s potential upside while transitioning to a more conservative portfolio over time. Equities dominate the early allocation and give way to bonds as retirement nears.
Given its longer time frame, this fund is appropriate for investors with high risk tolerance who are focused on long-term growth and capital appreciation. | | | 0.4678 |
| ModelxChange | Digital Asset Investment Management (DAiM) | DAIM MUTUAL FUNDS & BITCOIN 90/10 | 02/28/2026 12:00:00 AM | 0.8240 | 13.2096 | 13.4331 | | 0.8240 | 13.7977 | 13.8607 | 14.9691 | -25.6740 | | 9.09 | | 0.91 | | | 9288 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9288 | 0.5000 | 0 | The primary investment objective of this portfolio is long-term growth of capital by leveraging a balanced approach to traditional and digital assets. The portfolio seeks to deliver diversification and risk-adjusted returns through a 90% allocation to traditional investments in globally diversified Vanguard mutual funds and a 10% allocation to bitcoin, held securely via a qualified custodian. This structure aims to capture the long-term growth potential of equities and bitcoin while mitigating risk with a diversified allocation to bonds. The DAIM Mutual Funds (MF) & Bitcoin 90/10 portfolio offers participants a 10% allocation to bitcoin within a well-diversified portfolio. 90% of the fund is comprised of mutual funds with 10% invested directly in bitcoin. The basis of the mutual fund composition is a balanced 60/40 portfolio. The 60% allocation to stocks will be 36% US companies and 24% international companies. The 40% allocation to bonds will be 18% US and 12% international (we rotate 6% from domestic bonds and 4% from international bonds into bitcoin).
DAIM has chosen to use four broadly diversified index funds from Vanguard for the traditional asset allocation portion. The bitcoin in the portfolio is spot bitcoin purchased on exchange and held in a custodial wallet with Gemini LLC, a Fiduciary and qualified custodian. The risks for the portfolio are general market volatility and market timing. On a long term buy-and-hold basis the risk of holding a diversified portfolio with a 10% allocation to bitcoin is minor. | | | 0.5702 |
| ModelxChange | Digital Asset Investment Management (DAiM) | DAIM MUTUAL FUNDS & BITCOIN 95/5 | 02/28/2026 12:00:00 AM | 2.2617 | 14.7888 | | | 2.2617 | 14.2480 | 11.8041 | | | | | | | | | 9336 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9336 | 0.5000 | 0 | The primary investment objective of this portfolio is long-term growth with moderate exposure to digital assets. The portfolio balances traditional investments in globally diversified Vanguard mutual funds (95%) with a 5% allocation to bitcoin, providing participants with enhanced growth potential while maintaining a well-diversified risk profile. This strategy seeks to optimize long-term returns by blending the stability of traditional assets with the upside potential of bitcoin, held securely through a qualified custodian. The DAIM Mutual Funds (MF) & Bitcoin 95/5 portfolio offers participants a 5% allocation to bitcoin within a well-diversified portfolio. 95% of the fund is comprised of mutual funds with 5% invested directly in bitcoin. The basis of the mutual fund composition is a balanced 60/40 portfolio. The 60% allocation to stocks will be 36% US companies and 24% international companies. The 40% allocation to bonds will be 21% US and 14% international (we rotate 3% from domestic bonds and 2% from international bonds into bitcoin).
DAIM has chosen to use four broadly diversified index funds from Vanguard for the traditional asset allocation portion. The bitcoin in the portfolio is spot bitcoin purchased on exchange and held in a custodial wallet with Gemini LLC, a Fiduciary and qualified custodian. The risks for the portfolio are general market volatility and market timing. On a long term buy-and-hold basis the risk of holding a diversified portfolio with a 5% allocation to bitcoin is minor. | | | 0.5659 |
| ModelxChange | Digital Asset Investment Management (DAiM) | DAIM MUTUAL FUNDS & BITCOIN 99/1 | 02/28/2026 12:00:00 AM | 3.3314 | 15.8587 | 13.1088 | | 3.3314 | 14.5613 | 9.7133 | 14.4094 | -21.9191 | | 7.79 | | 1.01 | | | 9338 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9338 | 0.5000 | 0 | The primary investment objective of this portfolio is long-term capital growth with minimal exposure to digital assets. The portfolio provides broad diversification through a 99% allocation to low-cost, traditional Vanguard mutual funds and a modest 1% allocation to bitcoin, offering participants an introduction to digital assets with negligible risk. By maintaining a balanced 60/40 composition of equities and bonds, this strategy seeks to deliver steady growth while incorporating a small, carefully managed bitcoin allocation for potential enhanced returns. The DAIM Mutual Funds (MF) & Bitcoin 99/1 portfolio offers participants a 1% allocation to bitcoin within a well-diversified portfolio. 99% of the fund is comprised of mutual
funds with 1% invested directly in bitcoin. The basis of the mutual fund composition is a balanced 60/40 portfolio. The 60% allocation to stocks will be 36% US companies
and 24% international companies. The 40% allocation to bonds will be 24% US and 15% international (we rotate 1% from international bonds into bitcoin).
DAIM has chosen to use four broadly diversified index funds from Vanguard for the traditional asset allocation portion. The bitcoin in the portfolio is spot bitcoin purchased on exchange and held in a custodial wallet with Gemini LLC, a Fiduciary and qualified custodian. The risks for the portfolio are general market volatility and market timing. On a long term buy-and-hold basis the risk of holding a diversified portfolio with a 1% allocation to bitcoin is insignificant. | | | 0.5621 |
| ModelxChange | Digital Asset Investment Management (DAiM) | DAIM MUTUAL FUNDS BALANCED | 02/28/2026 12:00:00 AM | 3.5977 | 16.1276 | 16.7271 | | 3.5977 | 17.2715 | 12.3745 | 24.8657 | -29.7945 | | 12.65 | | 0.91 | | | 9339 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9339 | 0.5000 | 0 | The primary investment objective of this portfolio is capital preservation and moderate growth through a well-diversified, low-cost allocation to traditional assets. The portfolio is designed to balance growth and stability by investing 60% in equities and 40% in bonds, with a global allocation that enhances diversification. It seeks to provide consistent returns with minimal long-term risk for participants pursuing a balanced investment strategy. The DAIM Mutual Funds Balanced portfolio offers participants access to a low cost, well-diversified mix of mutual funds. The basis of the mutual fund composition is a
balanced 60/40 portfolio. The 60% allocation to stocks will be 36% US companies and 24% international companies. The 40% allocation to bonds will be 24% US and 16%
international.
The risks for the portfolio are general market volatility and market timing. On a long term buy-and-hold basis the risk of holding a diversified portfolio is negligible. | | | 0.5616 |
| ModelxChange | Digital Asset Investment Management (DAiM) | MF & Bitcoin 21 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14510 | Digital Assets | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14510 | 0.5000 | 0 | MF & Bitcoin 21 is a balanced equity and fixed income portfolio with 21% exposure to Bitcoin. | | | 0.5794 |
| ModelxChange | Donoghue Forlines LLC | Donoghue Forlines Dividend & Yield | | | | | | | | | | | | | | | | | 8850 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8850 | 0.0000 | 0 | The Donoghue Forlines Dividend & Yield Portfolio primarily seeks income and growth using a diversified investment strategy which employs a combination of global macro fundamental and technical analysis. The Donoghue Forlines Dividend & Yield Portfolio primarily seeks income and growth using a diversified investment strategy which employs a combination of technical and global macro fundamental analysis. The strategy is a fund of fund solution and will invest in Donoghue Forlines advised funds. Each proprietary fund utilizes tactical asset allocation to shift exposure based upon our fundamental research and proprietary technical indicators. As with any investment in a pooled investment vehicle, investors will incur indirectly the fees and expenses of the underlying funds and ETFs in addition to fees and expenses charged by their broker or adviser.
The Donoghue Forlines Dividend & Yield Portfolio is suitable for investors with a relatively short time horizon who may be drawing income from the portfolio. The strategy is designed to preserve capital during periods of market weakness by investing more heavily in fixed income asset classes. In addition, the portfolio strategy will employ tactical investment strategies to attempt to control downside volatility by moving toward defensive short-term U.S. Treasury ETFs or money market positions when the market warrants it. The portfolio primarily seeks income and growth from investment assets.
| | | 1.7581 |
| ModelxChange | Donoghue Forlines LLC | Donoghue Forlines Global Tactical Allocation | | | | | | | | | | | | | | | | | 56 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL56 | 0.5000 | 0 | GTA is designed to be a core, long-term investment, presenting moderate growth potential and risk management across all asset classes. This strategy seeks to lower volatility, while producing long-term capital appreciation. This strategy seeks to achieve moderate capital appreciation while using its tactical nature to preserve capital during times of market stress and invests across three asset classes: equities, fixed income and alternatives with a global orientation. The strategy is unconstrained and treats cash as a tactical asset class to help preserve capital and can raise cash levels as a defensive measure against volatile market downturns. GTA is the “flagship” portfolio of the Donoghue Forlines Global Tactical Product Suite and employs the main strategic and tactical approaches. It is a core portfolio that may contain three asset classes in one brokerage account-equities, fixed income and alternatives (commodities and hard assets) through investment in mutual funds, exchange traded funds (ETFs) or other exchange traded products. The strategy targets long term global macro-economic trends while utilizing shorter term economic variables in analyzing potential price movements in the three main asset classes.
The GTA portfolio holds fixed income investments in almost all market conditions, but has immense flexibility in holding equities, alternatives and cash. As a result, the level of investment risk in this portfolio may be lower than similar moderate allocation strategies. GTA employs larger and more frequent shifts in asset allocation to the modern volatile investment environment.
| | | 2.0416 |
| ModelxChange | Donoghue Forlines LLC | Donoghue Forlines Global Tactical Conservative | | | | | | | | | | | | | | | | | 57 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL57 | 0.5000 | 0 | GTC is designed to be a core, long-term investment, presenting conservative growth potential and risk management across all asset classes. This strategy seeks to achieve conservative capital appreciation while emphasizing preservation of capital. The GTC strategy seeks to achieve conservative capital appreciation with an emphasis on preservation of capital by potentially investing across three asset classes: equities, fixed income and alternatives with a global orientation through investment in funds and ETFs or other exchange traded products. The strategy is unconstrained and treats cash as a tactical asset class to help preserve capital and can raise cash levels as a defensive measure against volatile market downturns. | | | 2.1118 |
| ModelxChange | Donoghue Forlines LLC | Donoghue Forlines Global Tactical Growth | | | | | | | | | | | | | | | | | 39 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL39 | 0.5000 | 0 | GTG is designed to be a core, long-term investment, presenting growth potential and risk management across all asset classes. The GTG strategy seeks to achieve greater capital appreciation than the Moderate GTA. while using its tactical nature to preserve capital. It may invest in funds and ETFs across three asset classes: equities, fixed income and alternatives with a global orientation. The strategy is unconstrained and treats cash as a tactical asset class to help preserve capital and can raise cash levels as a defensive measure against volatile market downturns. | | | 1.9531 |
| ModelxChange | Donoghue Forlines LLC | Donoghue Forlines Global Tactical Income | | | | | | | | | | | | | | | | | 1537 | Nontraditional Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1537 | 0.5000 | 0 | GTI seeks to deliver high current income while preserving principal. As a secondary goal, the portfolio also seeks conservative capital appreciation. Concerns about the bond market and potential for rising interest rates make it timely to consider this portfolio. The GTI strategy seeks to provide high current income and preservation of principal, while taking advantage of market opportunities to achieve conservative capital appreciation. It may invest in mutual funds and ETFs across three asset classes – primarily fixed income and alternatives, and to a much lesser extent equities. The strategy is unconstrained and treats cash as a tactical asset class to help preserve capital and can raise cash levels as a defensive measure against volatile market downturns. | | | 2.2189 |
| ModelxChange | Donoghue Forlines LLC | Donoghue Forlines Growth & Income | | | | | | | | | | | | | | | | | 8851 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8851 | 0.0000 | 0 | The Donoghue Forlines Growth & Income Portfolio primarily seeks growth and income using a diversified investment strategy which employs a combination of global macro fundamental and technical analysis. The Donoghue Forlines Growth & Income Portfolio primarily seeks growth and income using a diversified investment strategy which employs a combination of global macro fundamental and technical analysis. The strategy is a fund of fund solution and will invest in Donoghue Forlines advised funds. Each proprietary fund utilizes tactical asset allocation to shift exposure based upon our fundamental research and proprietary technical indicators. As with any investment in a pooled investment vehicle, investors will incur indirectly the fees and expenses of the underlying funds and ETFs in addition to fees and expenses charged by their broker or adviser.
The Donoghue Forlines Growth & Income Portfolio as a standalone strategy is appropriate for investors with a moderate risk tolerance. The portfolio is suitable for investors with a longer-term time horizon of 5-10 years or more. The strategy is designed to preserve capital during periods of market weakness by investing more heavily in fixed income asset classes and cash.
| | | 1.7661 |
| ModelxChange | Donoghue Forlines LLC | Donoghue Forlines Income | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8852 | Nontraditional Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8852 | 0.0000 | 0 | The Donoghue Forlines Income Portfolio has the objective of maximizing total return from income and capital appreciation with the preservation of capital a secondary objective. The portfolio seeks to beat an index of all bonds, corporate, and government securities while limiting risk. The Donoghue Forlines Income Portfolio seeks to beat an index of all bonds using a diversified investment strategy which employs a combination of global macro fundamental and technical analysis. The strategy is a fund of fund solution and will invest in Donoghue Forlines advised funds as well as other fixed income fund options. Each proprietary fund utilizes tactical asset allocation to shift exposure based upon our fundamental research and proprietary technical indicators. As with any investment in a pooled investment vehicle, investors will incur indirectly the fees and expenses of the underlying funds and ETFs in addition to fees and expenses charged by their broker or adviser.
The Donoghue Forlines Income Portfolio is an appropriate choice for investors who are seeking current income with capital preservation as a secondary objective.
| | | 1.7400 |
| ModelxChange | Dorsey, Wright & Associates | DWA Tactical Tilt Aggressive | | | | | | | | | | | | | | | | | 2244 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2244 | 0.3000 | 0 | • Wealth preservation in high risk market environments through overweighting of defensive asset classes.
• Wealth accumulation during positive performance trends for an asset class, overweighting offensive options.
• Sector rotation within each major asset class exploits leadership trends and mitigates laggard exposure.
• Long-term investment returns in excess of strategic asset allocation programs, through timely tactical “tilts” between offense and defense over time. Asset class weightings are applied through sector rotation strategies for each investment category, resulting in portfolios of approximately 15-25 ETFs. The investment range for each strategy is shown below.
US Sector and Style - 10% to 80%
Intl. Country Rotation - 10% to 30%
Tactical Fixed Income - 10% to 40%
Tactical Alternative - 0% to 40%
Tactical Cash - 1% to 30%
| | | 0.3000 |
| ModelxChange | Dorsey, Wright & Associates | DWA Tactical Tilt Conservative | | | | | | | | | | | | | | | | | 2243 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2243 | 0.3000 | 0 | • Wealth preservation in high risk market environments through overweighting of defensive asset classes.
• Wealth accumulation during positive performance trends for an asset class, overweighting offensive options.
• Sector rotation within each major asset class exploits leadership trends and mitigates laggard exposure.
• Long-term investment returns in excess of strategic asset allocation programs, through timely tactical “tilts” between offense and defense over time. Asset class weightings are applied through sector rotation strategies for each investment category, resulting in portfolios of approximately 15-25 ETFs. The investment range for each strategy is shown below.
US Sector and Style - 0% to 40%
Intl. Country Rotation - 0% to 20%
Tactical Fixed Income - 40% to 80%
Tactical Alternative - 0% to 20%
Tactical Cash - 1% to 50% | | | 0.3000 |
| ModelxChange | Dorsey, Wright & Associates | DWA Tactical Tilt Moderate | | | | | | | | | | | | | | | | | 1196 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1196 | 0.3000 | 0 | • Wealth preservation in high risk market environments through overweighting of defensive asset classes.
• Wealth accumulation during positive performance trends for an asset class, overweighting offensive options.
• Sector rotation within each major asset class exploits leadership trends and mitigates laggard exposure.
• Long-term investment returns in excess of strategic asset allocation programs, through timely tactical “tilts” between offense and defense over time. Asset class weightings are applied through sector rotation strategies for each investment category, resulting in portfolios of approximately 15-25 ETFs. The investment range for each strategy is shown below:
US Sector and Style - 20% to 75%
Intl. Country Rotation - 5% to 25%
Tactical Fixed Income - 20% to 60%
Tactical Alternative - 0% to 20%
Tactical Cash - 1% to 33% | | | 0.3000 |
| ModelxChange | Englebert Financial Advisers LLC | EFA 30/70 | 02/28/2026 12:00:00 AM | 2.1957 | 9.8484 | 7.9389 | 2.9441 | 2.1957 | 9.9557 | 7.3413 | 5.7884 | -12.6987 | 3.9823 | 6.13 | 7.39 | 0.49 | -0.04 | | 6744 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6744 | 0.0000 | 0 | Strategic Asset allocation model with underlying indices that optimized on a relative strength basis. This model is rebalanced, February, May, August, November | | | 0.2075 |
| ModelxChange | Englebert Financial Advisers LLC | EFA 60/40 | 02/28/2026 12:00:00 AM | 2.6654 | 14.4582 | 9.2612 | 4.0572 | 2.6654 | 12.2885 | 9.5359 | 5.0353 | -11.7958 | 4.8760 | 8.59 | 10.22 | 0.52 | 0.1 | | 6745 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6745 | 0.0000 | 0 | This is a strategic asset allocation model with 60% in equity and 40% in bonds. The underlying investments are optimized on a quarterly basis using a relative strength measure. The model is rebalanced February, May, August and November | | | 0.2250 |
| ModelxChange | Englebert Financial Advisers LLC | EFA 90/10 | 02/28/2026 12:00:00 AM | 3.2408 | 18.5730 | 12.8821 | 6.9262 | 3.2408 | 15.0608 | 14.5674 | 7.6005 | -8.2315 | 3.9334 | 11.09 | 13.24 | 0.72 | 0.31 | | 6746 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6746 | 0.0000 | 0 | This is a strategic asset allocation model with 90% target to equities and 10% to bonds. The underlying funds are optimized using a relative strength screen. The model is rebalanced quarterly in February, May, August and November | | | 0.2041 |
| ModelxChange | Englebert Financial Advisers LLC | EFA Tactical Model | 02/28/2026 12:00:00 AM | 0.6661 | 7.3541 | 5.5903 | 4.0832 | 0.6661 | 7.5199 | 5.1228 | 7.1124 | 0.2786 | -0.0377 | 1.28 | 6.05 | 0.5 | 0.12 | | 6743 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6743 | 0.0000 | 0 | This model rotates from stocks to bonds to cash depending upon our risk indicators | | | 0.2900 |
| ModelxChange | Englebert Financial Advisers LLC | EFA Vanguard Equity | 02/28/2026 12:00:00 AM | 4.4411 | 17.8617 | 16.0264 | 8.2861 | 4.4411 | 14.4399 | 17.3612 | 15.7866 | -16.8723 | 14.1120 | 12.69 | 15.62 | 0.86 | 0.37 | | 6747 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6747 | 0.0000 | 0 | This model is made up of only Vanguard Equity funds. These funds are optimized using a relative strength screen and rebalanced quarterly. The model is rebalanced in February, May, August and November. | | | 0.0385 |
| ModelxChange | Englebert Financial Advisers LLC | EFA Vanguard Transition Model | | | | | | | | | | | | | | | | | 6748 | Ultrashort Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6748 | 0.0000 | 0 | This model is designed to have very low volatility. It is for participants who are very close to retirement and don't want their accounts to experience a large loss. | | | 0.2972 |
| ModelxChange | Englebert Financial Advisers LLC | Focus Five | 02/28/2026 12:00:00 AM | 3.5180 | 11.5509 | 12.2835 | 9.9679 | 3.5180 | 8.2894 | 13.8903 | 13.6838 | -3.7955 | 22.4684 | 16.48 | 18.73 | 0.49 | 0.42 | | 6742 | Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6742 | 0.1500 | 0 | This model identifies the five strongest First Trust sectors and invests in them. This is called the FOCUS FIVE MODEL Model Strategy is to identify the five strongest First Trust Sectors. Using Dorsey Wright’s technical attributes, thirty different sectors are constantly monitored and changes in the technical attributes will trade the sectors accordingly. Many investors don’t have enough sector exposure in their portfolios and the EFA Focus Five offers active management in identifying the strongest sectors to be invested in.
| | | 0.7380 |
| ModelxChange | ETF Model Solutions, LLC | Endowment Aggressive Allocation | 02/28/2026 12:00:00 AM | 2.1357 | 14.6086 | 14.1733 | 6.9862 | 2.1357 | 14.9301 | 12.2349 | 18.5132 | -18.7390 | 13.5766 | 9.64 | 12.53 | 0.93 | 0.32 | | 2090 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2090 | 0.3500 | 0 | The Endowment Aggressive Allocation seeks to provide long term capital appreciation through a strategic allocation to stocks, bonds, and liquid alternatives. This model seeks capital appreciation and growth while reducing overall portfolio volatility by diversifying across three primary asset classes (equity, fixed income, and liquid alternatives) utilizing a wide range of asset classes based upon the Endowment Investment Philosophy. The manager intends to modify the weights of positions from the Endowment Index, placing greater emphasis on the equity holdings within the portfolio while lessening the bond and alternatives allocations, seeking to maintain a portfolio with an aggressive growth risk-based profile. The manager intends to primarily utilize exchange traded funds ("ETFs") to implement the strategy. | | | 0.9181 |
| ModelxChange | ETF Model Solutions, LLC | Endowment Conservative Allocation | 02/28/2026 12:00:00 AM | 0.9755 | 8.4951 | 10.2313 | 4.1425 | 0.9755 | 10.0081 | 8.5710 | 15.2399 | -17.2678 | 7.6915 | 7.78 | 10.22 | 0.68 | 0.11 | | 2089 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2089 | 0.3500 | 0 | The Endowment Conservative Allocation seeks to provide both long term capital appreciation and income through a strategic asset allocation to bonds, stocks, and liquid alternatives while maintaining a conservative risk profile. This model seeks to minimize risk and maximize return by diversifying across three primary asset classes (equity, fixed income, and liquid alternatives) utilizing a wide range of sub-asset classes based upon the Endowment Investment Philosophy. The manager intends to modify the weights of positions within the Endowment Index, placing greater emphasis on the cash and fixed income holdings within the portfolio while reducing the allocations to equity and alternatives in an effort to dampen overall portfolio volatility and maintain a portfolio with a conservative risk-based profile. The model employs exchange-traded funds ("ETFs") to implement the strategy. | | | 0.9441 |
| ModelxChange | ETF Model Solutions, LLC | Endowment Moderate Allocation | 02/28/2026 12:00:00 AM | 1.0092 | 10.8677 | 12.7735 | 6.2653 | 1.0092 | 12.4881 | 11.2486 | 19.3839 | -18.7031 | 13.7924 | 10.08 | 12.74 | 0.77 | 0.27 | | 2170 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2170 | 0.3500 | 0 | Capital appreciation and growth The Endowment Moderate allocation applies an indexed approach seeking to provide an asset allocation that generally mirrors but does not necessarily replicate the target allocation and holdings of the Endowment Index® calculated by Nasdaq OMX®. The Endowment Index applies a rules-based construction methodology based on the portfolio allocations of 657 educational institutions that collectively manage over $940 billion in total assets. There are over 47,000 underlying securities contained within the 21 sub-indexes within the portfolio. The portfolio is comprised solely of exchange-traded funds ("ETFs").
Most investment strategies are two-dimensional portfolios comprised of stocks and bonds. The Endowment Moderate Allocation expands its portfolio to include a third dimension by targeting alternative investments. The primary goal of using alternative investments in a portfolio is to enhance the risk-adjusted returns provided by a two-dimensional stock-bond portfolio.
Growth: This segment seeks growth by targeting ETFs that hold global equities, including domestic, international developed, and emerging markets through broad-based ETFs.
Fixed Income: This segment targets allocations to ETFs holding global fixed-income securities that may provide a steady source of income and are intended to assist in reducing overall portfolio volatility.
Risk Managed: This segment invests in ETFs that target or seek to approximate the returns of alternative investments including hedge funds, private equity, and real assets. This portion of the portfolio seeks to mitigate overall portfolio volatility (reduce drawdowns through allocations to hedge strategies), assist in hedging inflation (through allocations to real assets), and provide additional sources of return through allocations to private equity or venture capital.
The 2026 target allocation is 31.6% Equity/57.8% Alternatives/7.6% Fixed Income/3.0% Liquidity.
| | | 1.0920 |
| ModelxChange | ETF Model Solutions, LLC | ETFMS Global Equity Model | | | | | | | | | | | | | | | | | 1185 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1185 | 0.3500 | 0 | The objective of this model is capital appreciation and growth. The model seeks to generate returns that match or exceed those of the MSCI World Index. This model offers a strategic allocation of equity securities utilizing a Core-Satellite passive investment approach. The core of the portfolio will target low-cost, market capitalization weighted domestic equity ETFs. The satellite portion of the portfolio will target alternative equity indices or actively managed equity income strategies that offer the opportunity to add incremental return or reduce portfolio volatility. Satellite strategies may include international and emerging market stocks, and alternative indexing strategies with fundamental weighting, dividend weighting, volatility weighting, thematic weighting, and others. The manager will utilize an active-passive approach that will overweight core or satellite holdings during various stages of secular equity market cycles.
The manager believes that the return component provided by dividends in an equity portfolio becomes more critical in a low return environment and offers the opportunity to contribute a higher percentage of overall equity returns. Hence, the manager will have a tendency to overweight to higher dividend-producing equities in an effort to generate improved returns. | | | 0.5894 |
| ModelxChange | ETF Model Solutions, LLC | ETFMS Global Fixed Income Model | | | | | | | | | | | | | | | | | 1217 | Global Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1217 | 0.3500 | 0 | The objective of this model is to generate income by creating a globally-diversified portfolio of exchange-traded funds that invest in fixed income securities. This model offers a strategic allocation of fixed income securities utilizing a Core-Satellite portfolio construction methodology. The core of the portfolio will target low-cost, market capitalization-weighted domestic fixed income ETFs. The satellite portion of the portfolio will target alternative fixed income indices or actively-managed fixed income strategies that offer the opportunity to add incremental return or reduce portfolio volatility. Satellite strategies may include international or emerging market bonds (both sovereign and corporates that may be denominated in local or domestic currency), global high-yield bonds, senior bank loans, floating rate notes, municipal bonds and others. The manager will utilize an active-passive approach that may overweight core or satellite holdings during various stages of secular interest rate cycles. | | | 0.6948 |
| ModelxChange | ETF Model Solutions, LLC | ETFMS Global Multi-Asset Income Model | | | | | | | | | | | | | | | | | 1234 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1234 | 0.3500 | 0 | The objective of this model is to generate income and long-term capital appreciation by creating a globally diversified portfolio of exchange-traded funds that invest in equity, fixed income, REITs, and other income generating or hybrid securities. The model will strive to maintain a balance between equity, fixed income, and hybrid securities in an effort to optimize risk-adjusted returns to meet its objectives.
This model offers a strategic allocation of fixed income, equity, and hybrid securities utilizing a Core-Satellite passive investment approach. The core of the portfolio will target low-cost, primarily market capitalization weighted ETFs across four main segments of the market: 1) Global High Income Equities; 2) Global Real Estate Investment Trusts/Master Limited Partnerships; 3) Business Development Companies/Closed End Funds; and 4) High Yield Fixed Income/Preferred Securities. The satellite portion of the portfolio will target indices or actively managed strategies that offer the opportunity to add incremental return or reduce portfolio volatility. Satellite strategies may include sector/thematic ETFs, mortgage REITs, MLPs, closed end funds, high yield municipal securities, emerging market corporate bonds and short duration high yield bonds, and other securities. The manager will utilize an active-passive approach that will overweight core or satellite holdings during various stages of secular interest rate, economic, and financial market cycles. | | | 2.9047 |
| ModelxChange | ETF Model Solutions, LLC | ETFMS Hedge Fund of Funds Model | | | | | | | | | | | | | | | | | 1237 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1237 | 0.3500 | 0 | The objective of this model is to hold liquid alternative funds (primarily mutual funds) that provide a more investor-friendly way to gain exposure to hedge fund strategies. Hedge Fund of Funds have generally been illiquid and available only to institutions and accredited investors at a 3% management fee & 30% incentive fee cost structure. Due to the proliferation of the liquid alternative strategies offered in 1940 Act funds, it is now possible to build a broadly diversified portfolio of hedge funds that are not only liquid but available at a much lower total cost than the "3&30" cost structure traditionally associated with this asset class. The model seeks to invest across four main segments of the hedge funds universe: 1) Multi-strategy funds; 2) Arbitrage funds; 3) Event-Driven funds; and 4) Directional funds. Examples of strategies include Fixed Income Arbitrage, Convertible Bond Arbitrage, Merger Arbitrage, Capital Structure Arbitrage, Equity Long-Short, Managed Futures, Momentum, etc. | 0.1469 | 0.1231 | 2.1987 |
| ModelxChange | ETF Model Solutions, LLC | ETFMS Private Equity Model | | | | | | | | | | | | | | | | | 1236 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1236 | 0.3500 | 0 | Private equity is an asset class that is typically underweighted in the average investors portfolio because of the risk involved and, historically, investing in private equity required one to have a high net worth and to purchase limited partnerships. The objective of this model is to hold securities that have some resemblance or correlation to the private equity market either directly or indirectly. The model is broadly diversified and has a bias to domestic securities. Publicly traded securities held are proxies for the private equity market.
This model seeks to provide a strategic allocation of securities that offer exposure to the private equity asset class by using a Core-Satellite investing approach. Core investments include low cost, primarily market capitalization weighted ETFs across four main segments of the market: 1) Listed private equity funds, 2) Listed private debt funds, 3) Publicly traded traditional proxies for private equity, and 4) Publicly traded alternative proxies. The Satellite portion of the portfolio will target ETFs that track alternative indices, add incremental return, or reduce portfolio volatility. Satellite strategies may include pre-IPO business development companies, venture debt, convertibles, companies doing buybacks, and other exchange traded or otherwise registered securities or mutual funds that offer entry into the private equity asset class. The manager will utilize an active-passive approach that will overweight core or satellite holdings during various stages of secular economic and market cycles. | | | 0.3500 |
| ModelxChange | ETF Model Solutions, LLC | ETFMS Real Asset Model | | | | | | | | | | | | | | | | | 1235 | Inflation-Protected Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1235 | 0.3500 | 0 | The objective of this model is to hold securities that have a higher correlation to inflation and/or own tangible/hard assets. The model seeks to be broadly diversified and has a bias to income producing hard assets. This portfolio is intended to be used as an inflation hedge within an overall portfolio by seeking to produce positive real returns in a higher inflationary environment. This model offers a strategic allocation of securities expected to provide a broad exposure to real assets by using a Core-Satellite passive investment approach. The core of the portfolio will target low-cost, primarily market capitalization weighted ETFs across four main segments of the market: 1) real estate investment trusts; 2) infrastructure/master limited partnerships; 3) commodities & precious metals; and 4) inflation-linked fixed income. The satellite portion of the portfolio will target alternative indices or actively managed strategies that offer the opportunity to add incremental return or reduce portfolio volatility. Satellite strategies may include dividend weighted ETFs, sector/thematic ETFs, long/flat commodity indices, fixed duration inflation indexed ETFs, actively-managed senior bank loan ETFs, and others. The manager will utilize an active-passive approach that will overweight core or satellite holdings during various stages of secular interest rate, inflation, economic, and financial market cycles. | | | 0.8357 |
| ModelxChange | ETF Model Solutions, LLC | ETFMS Short Duration Fixed Income Model | | | | | | | | | | | | | | | | | 1218 | Short-Term Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1218 | 0.3500 | 0 | The objective of this model is to provide an investment alternative that can provide a greater return than can be earned in money market securities, while reducing the volatility that can sometimes be experienced in bonds by limiting the average overall portfolio duration to approximately 3 or less. The manager seeks to maintain an average overall investment grade rating for the entire portfolio.
This model offers a diversified, strategic allocation of exchange-traded funds that invest in fixed income securities. The portfolio manager utilizes a Core-Satellite passive investment approach. The core of the portfolio will target low cost, market capitalization weighted domestic fixed income ETFs. The satellite portion of the portfolio will target alternative fixed income indices or actively managed fixed income strategies that offer the opportunity to add incremental return or reduce portfolio volatility. Satellite strategies may include international or emerging market bonds (both sovereign and corporates that may be denominated in local or domestic currency), short-term domestic and global high yield bonds, senior bank loans, floating rate notes, municipal bonds, and others. The manager will utilize an active-passive approach that will overweight core or satellite holdings during various stages of secular interest rate cycles or have a bias towards taking credit risk in low-interest rate/low default rate environments. | | | 0.7078 |
| ModelxChange | ETF Model Solutions, LLC | Test Beta Version: ETFMS Black Swan Model | | | | | | | | | | | | | | | | | 8719 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8719 | 0.3500 | 0 | The EWM/ETFMS Black Swan model is designed for investors who seek downside protection in the event of negative equity market volatility.
The model’s strategy is essentially defensive and aimed to have a low correlation with equities. Using ETFs, the model invests in defensive strategies such as “equity buffered,” “tail-risk,” and “risk parity,” while also investing in non-traditional assets such as precious metals and cryptocurrency. The Black Swan model is meant to be used as a defensive diversifier in an investor’s overall asset allocation. | | | 1.1494 |
| ModelxChange | Fiduciary Benefits Group | Aggressive | 02/28/2026 12:00:00 AM | 4.4979 | 21.6929 | 16.8677 | | 4.4979 | 18.2888 | 14.1240 | 17.7563 | | | 10.66 | | 1.07 | | | 10199 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10199 | 0.2500 | 0 | The Aggressive portfolio is designed for maximum growth potential, accepting higher levels of risk. The Aggressive portfolio seeks to provide growth of capital consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 85% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. The portfolio is supported by a tenured investment team to guide decisions about the portfolio’s investments. | | 0.0084 | 0.4837 |
| ModelxChange | Fiduciary Benefits Group | Aggressive - Index | 02/28/2026 12:00:00 AM | 5.0909 | 21.4453 | | | 5.0909 | 17.4320 | 15.0097 | | | | | | | | | 12280 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12280 | 0.2500 | 0 | The Aggressive portfolio is designed for maximum growth potential, accepting higher levels of risk. The Aggressive portfolio seeks to provide growth of capital consistent with its current target allocation by investing in passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 85% of the value of its assets in equities and the remaining value of its assets in debt | | 0.0084 | 0.2974 |
| ModelxChange | Fiduciary Benefits Group | Conservative | 02/28/2026 12:00:00 AM | 2.5705 | 49.9605 | 21.7276 | | 2.5705 | 49.4715 | 6.9548 | 11.3188 | | | 21.7 | | 0.78 | | | 10195 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10195 | 0.2500 | 0 | The Conservative portfolio aims to maintain capital stability and achieve modest growth, prioritizing risk management over high returns. The Conservative portfolio uses a balanced approach consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally, the portfolio will maintain at least 25% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market funds. The portfolio is supported by a tenured investment team to guide decisions about the portfolio’s investments. | | | 0.5349 |
| ModelxChange | Fiduciary Benefits Group | Conservative - Index | 02/28/2026 12:00:00 AM | 2.4925 | 10.7520 | | | 2.4925 | 10.2784 | | | | | | | | | | 12276 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12276 | 0.2500 | 0 | The Conservative portfolio aims to maintain capital stability and achieve modest growth, prioritizing risk management over high returns. The Conservative portfolio uses a balanced approach consistent with its current target allocation by investing in passive funds to produce a portfolio that is diversified by asset class and holdings. Normally, the portfolio will maintain at least 25% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market funds. The portfolio is supported by a tenured investment team to guide decisions about the portfolio’s investments. | | | 0.2887 |
| ModelxChange | Fiduciary Benefits Group | Income Portfolio | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15521 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15521 | 0.2500 | 0 | The Income Portfolio aims to maintain capital stability and achieve modest growth, prioritizing risk management over high returns. The portfolio uses a balanced approach consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally, the portfolio will maintain at least 35% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market funds. | | | 0.2500 |
| ModelxChange | Fiduciary Benefits Group | Moderate | 02/28/2026 12:00:00 AM | 3.5268 | 15.7504 | 13.3467 | | 3.5268 | 14.1316 | 10.7656 | 15.0290 | | | 7.92 | | 1.02 | | | 10197 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10197 | 0.2500 | 0 | The Moderate portfolio targets a balance between growth and risk management, aiming for consistent, moderate returns. The Moderate model uses a balanced approach consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 55% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. The portfolio is supported by a tenured investment team to guide decisions about the portfolio’s investments. | | | 0.5219 |
| ModelxChange | Fiduciary Benefits Group | Moderate - Index | 02/28/2026 12:00:00 AM | 3.7060 | 16.3692 | | | 3.7060 | 14.2865 | 9.9493 | | | | | | | | | 12278 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12278 | 0.2500 | 0 | The Moderate portfolio targets a balance between growth and risk management, aiming for consistent, moderate returns. The Moderate model uses a balanced approach consistent with its current target allocation by investing in passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 55% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. The portfolio is supported by a tenured investment team to guide decisions about the portfolio’s investments. | | | 0.2933 |
| ModelxChange | Fiduciary Benefits Group | Moderate Aggressive | 02/28/2026 12:00:00 AM | 4.0702 | 17.9038 | 14.9978 | | 4.0702 | 15.4096 | 12.7145 | 17.0104 | | | 9.23 | | 1.05 | | | 10198 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10198 | 0.2500 | 0 | The Moderate Aggressive portfolio aims for higher growth while still maintaining a level of risk management. The Moderate Aggressive portfolio seeks to provide growth of capital consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 70% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. The portfolio is supported by a tenured investment team to guide decisions about the portfolio’s investments. | | 0.0060 | 0.5120 |
| ModelxChange | Fiduciary Benefits Group | Moderate Aggressive - Index | 02/28/2026 12:00:00 AM | 4.3985 | 18.6312 | | | 4.3985 | 15.7055 | 11.3642 | | | | | | | | | 12279 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12279 | 0.2500 | 0 | The Moderate Aggressive portfolio aims for higher growth while still maintaining a level of risk management. The Moderate Aggressive portfolio seeks to provide growth of capital consistent with its current target allocation by investing passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 70% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. The portfolio is supported by a tenured investment team to guide decisions about the portfolio’s investments. | | 0.0060 | 0.2957 |
| ModelxChange | Fiduciary Benefits Group | Moderate Conservative | 02/28/2026 12:00:00 AM | 3.0566 | 12.4950 | 11.3121 | | 3.0566 | 11.4289 | 9.1054 | 13.0512 | | | 6.69 | | 0.92 | | | 10196 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10196 | 0.2500 | 0 | The Moderate Conservative portfolio seeks to balance capital preservation with moderate growth. The Moderate Conservative portfolio uses a balanced approach consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 40% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. The portfolio is supported by a tenured investment team to guide decisions about the portfolio’s investments. | | | 0.5373 |
| ModelxChange | Fiduciary Benefits Group | Moderate Conservative - Index | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 12277 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12277 | 0.2500 | 0 | The Moderate Conservative portfolio seeks to balance capital preservation with moderate growth. The Moderate Conservative portfolio uses a balanced approach consistent with its current target allocation by investing in passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 40% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. The portfolio is supported by a tenured investment team to guide decisions about the portfolio’s investments. | | | 0.2928 |
| ModelxChange | Fiduciary Benefits Group | Target Retirement Year 2020 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15522 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15522 | 0.2500 | 0 | The Target Retirement Year 2020 Portfolio seeks to balance capital preservation with moderate growth. The portfolio uses a balanced approach consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 40% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. | | | 0.2500 |
| ModelxChange | Fiduciary Benefits Group | Target Retirement Year 2025 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15523 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15523 | 0.2500 | 0 | The Target Retirement Year 2025 Portfolio targets a balance between growth and risk management, aiming for consistent, moderate returns. The portfolio uses a balanced approach consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 45% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. | | | 0.2500 |
| ModelxChange | Fiduciary Benefits Group | Target Retirement Year 2030 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15524 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15524 | 0.2500 | 0 | The Target Retirement Year 2030 Portfolio targets a balance between growth and risk management, aiming for consistent, moderate returns. The portfolio uses a balanced approach consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 50% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. | | | 0.2500 |
| ModelxChange | Fiduciary Benefits Group | Target Retirement Year 2035 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15525 | Target-Date 2035 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15525 | 0.2500 | 0 | The Target Retirement Year 2035 Portfolio targets a balance between growth and risk management, aiming for consistent, moderate returns. The portfolio uses a balanced approach consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 55% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. | | | 0.2500 |
| ModelxChange | Fiduciary Benefits Group | Target Retirement Year 2040 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15526 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15526 | 0.2500 | 0 | The Target Retirement Year 2040 Portfolio aims for higher growth while still maintaining a level of risk management. The portfolio seeks to provide growth of capital consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 65% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. | | | 0.2500 |
| ModelxChange | Fiduciary Benefits Group | Target Retirement Year 2045 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15527 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15527 | 0.2500 | 0 | The Target Retirement Year 2045 Portfolio aims for higher growth while still maintaining a level of risk management. The portfolio seeks to provide growth of capital consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 75% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. | | | 0.2500 |
| ModelxChange | Fiduciary Benefits Group | Target Retirement Year 2050 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15528 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15528 | 0.2500 | 0 | The Target Retirement Year 2050 Portfolio is designed for significant growth potential, accepting higher levels of risk. The portfolio seeks to provide growth of capital consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 85% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. | | | 0.2500 |
| ModelxChange | Fiduciary Benefits Group | Target Retirement Year 2055 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15529 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15529 | 0.2500 | 0 | The Target Retirement Year 2055 Portfolio is designed for maximum growth potential, accepting higher levels of risk. The portfolio seeks to provide growth of capital consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 90% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. | | | 0.2500 |
| ModelxChange | Fiduciary Benefits Group | Target Retirement Year 2060 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15530 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15530 | 0.2500 | 0 | The Target Retirement Year 2060 Portfolio is designed for maximum growth potential, accepting higher levels of risk. The portfolio seeks to provide growth of capital consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 90% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. | | | 0.2500 |
| ModelxChange | Fiduciary Benefits Group | Target Retirement Year 2065 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 15531 | Target-Date 2065+ | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL15531 | 0.2500 | 0 | The Target Retirement Year 2065 Portfolio is designed for maximum growth potential, accepting higher levels of risk. The portfolio seeks to provide growth of capital consistent with its current target allocation by investing in a combination of active and passive funds to produce a portfolio that is diversified by asset class and holdings. Normally the fund will maintain at least 90% of the value of its assets in equities and the remaining value of its assets in debt securities, including money market securities. | | | 0.2500 |
| ModelxChange | First Financial Trust, N.A. | FFT Current Retirement | 02/28/2026 12:00:00 AM | 2.9545 | 11.0961 | 9.7343 | 5.4553 | 2.9545 | 10.2514 | 7.5868 | 8.9300 | -7.8478 | 6.6872 | 5.74 | 7.11 | 0.81 | 0.29 | | 9262 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9262 | 0.0000 | 0 | This model seeks income and capital preservation. This portfolio utilizes a variety of cost-efficient exchange traded funds to achieve broad diversification in the equity and fixed income markets. The funds selected for this portfolio represent various asset classes and sectors. The model targets a 35% equity to 65% fixed income allocation, however there may be times where the ratios will be adjusted due to market conditions. This model is best suited to attain a moderately conservative investment strategy. | | | 0.1231 |
| ModelxChange | First Financial Trust, N.A. | FFT Target Model 2025 | | | | | | | | | | | | | | | | | 9261 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9261 | 0.0000 | 0 | This model seeks a moderate investment goal of growth and income. This portfolio utilizes a variety of cost-efficient exchange traded funds to achieve broad diversification in the equity and fixed income markets. The funds selected for this portfolio represent various asset classes and sectors. The model targets a 50% equity 50% fixed income allocation, however there may be times where the ratios will be adjusted due to market conditions. This model is best suited to attain a balanced and moderate investment strategy. | | | 0.1474 |
| ModelxChange | First Financial Trust, N.A. | FFT Target Model 2030 | 02/28/2026 12:00:00 AM | 3.2917 | 13.6111 | | | 3.2917 | 12.0433 | 10.0149 | | -11.3749 | 12.1742 | | | | | | 9260 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9260 | 0.0000 | 0 | This model seeks growth and capital appreciation during any market cycle. This portfolio utilizes a variety of cost-efficient exchange traded funds to achieve broad diversification in the equity and fixed income markets. The funds selected for this portfolio represent various asset classes and sectors. The model targets a 65% equity to 35% fixed income allocation, however there may be times where the ratios will be adjusted due to market conditions. This model is best suited to attain a moderate investment strategy. | | | 0.1494 |
| ModelxChange | First Financial Trust, N.A. | FFT Target Model 2040 | 02/28/2026 12:00:00 AM | 3.8708 | 15.7682 | 12.6069 | 7.9265 | 3.8708 | 12.4311 | 11.8477 | 11.6567 | -12.1393 | 16.4157 | 10.23 | 12.46 | 0.75 | 0.4 | | 9259 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9259 | 0.0000 | 0 | This model seeks growth with a moderate weighting into fixed income. This portfolio utilizes a variety of cost-efficient exchange traded funds to achieve broad diversification in the equity and fixed income markets. The funds selected for this portfolio represent various asset classes and sectors. The model targets an 80% equity to 20% fixed income allocation, however there may be times where the ratios will be adjusted due to market conditions. This model is best suited to attain a moderately aggressive investment strategy. | | | 0.1588 |
| ModelxChange | First Financial Trust, N.A. | FFT Target Model 2050 | | | | | | | | | | | | | | | | | 9258 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9258 | 0.0000 | 0 | This model seeks capital appreciation with a small weighting into fixed income. This portfolio utilizes a variety of cost-efficient exchange traded funds to achieve broad diversification in the equity and fixed income markets. The funds selected for this portfolio represent various asset classes and sectors. The model targets a 90% equity to 10% fixed income allocation, however there may be times where the ratios will be adjusted due to market conditions. This model is best suited to attain an aggressive investment strategy. | | | 0.1766 |
| ModelxChange | First Financial Trust, N.A. | FFT Target Model 2060 | | | | | | | | | | | | | | | | | 9257 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9257 | 0.0000 | 0 | This model seeks growth and capital appreciation during any market cycle. This portfolio utilizes a variety of cost-efficient exchange traded funds to achieve broad diversification in the equity market. The funds selected for this portfolio represent various asset classes and sectors. The model targets a 100% equity allocation, however there may be times where the ratios will be adjusted due to market conditions. This model is best suited to attain an aggressive investment strategy. | | | 0.1895 |
| ModelxChange | Fisher Investments Asset Management | 40 Act Mutual Funds Aggressive (95% Equity, 5% Fixed Income) | | | | | | | | | | | | | | | | | 8786 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8786 | 0.4000 | 0 | For investors seeking maximum long-term growth. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of equities and fixed income securities managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments monitors the allocation and rebalances on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model consists of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI), capturing large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model consist s of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.4005 |
| ModelxChange | Fisher Investments Asset Management | 40 Act Mutual Funds Conservative (35% Equity, 65% Fixed Income) | | | | | | | | | | | | | | | | | 8790 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8790 | 0.4000 | 0 | For investors seeking modest growth and stable income. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of equities and fixed income securities managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments monitors the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model consists of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI), capturing large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model consist s of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.4065 |
| ModelxChange | Fisher Investments Asset Management | 40 Act Mutual Funds ESG Aggressive (95% Equity, 5% Fixed Income) | | | | | | | | | | | | | | | | | 8791 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8791 | 0.4000 | 0 | For investors seeking maximum long-term growth. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of stocks and bonds managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments will monitor the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model will consist of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI) which captures large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model will consist of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.4005 |
| ModelxChange | Fisher Investments Asset Management | 40 Act Mutual Funds ESG Conservative (35% Equity, 65% Fixed Income) | | | | | | | | | | | | | | | | | 8795 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8795 | 0.4000 | 0 | For investors seeking modest growth and stable income. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of stocks and bonds managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments will monitor the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model will consist of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI) which captures large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model will consist of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.4065 |
| ModelxChange | Fisher Investments Asset Management | 40 Act Mutual Funds ESG Moderate (65% Equity, 35% Fixed Income) | | | | | | | | | | | | | | | | | 8793 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8793 | 0.4000 | 0 | For investors seeking long-term growth with a reduction in typical equity volatility. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of stocks and bonds managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments will monitor the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model will consist of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI) which captures large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model will consist of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.4035 |
| ModelxChange | Fisher Investments Asset Management | 40 Act Mutual Funds ESG Moderate Aggressive (80% Equity, 20% Fixed Income) | | | | | | | | | | | | | | | | | 8792 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8792 | 0.4000 | 0 | For investors seeking long-term growth with a modest reduction in typical equity volatility. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of stocks and bonds managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments will monitor the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model will consist of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI) which captures large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model will consist of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.4020 |
| ModelxChange | Fisher Investments Asset Management | 40 Act Mutual Funds ESG Moderate Conservative (50% Equity, 50% Fixed Income) | | | | | | | | | | | | | | | | | 8794 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8794 | 0.4000 | 0 | For investors seeking growth and income. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of stocks and bonds managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments will monitor the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model will consist of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI) which captures large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model will consist of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.4050 |
| ModelxChange | Fisher Investments Asset Management | 40 Act Mutual Funds Moderate (65% Equity, 35% Fixed Income) | | | | | | | | | | | | | | | | | 8788 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8788 | 0.4000 | 0 | For investors seeking long-term growth with a reduction in typical equity volatility. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of equities and fixed income securities managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments monitors the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model consists of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI), capturing large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model consist s of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.4035 |
| ModelxChange | Fisher Investments Asset Management | 40 Act Mutual Funds Moderate Aggressive (80% Equity, 20% Fixed Income) | | | | | | | | | | | | | | | | | 8787 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8787 | 0.4000 | 0 | For investors seeking long-term growth with a modest reduction in typical equity volatility. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of equities and fixed income securities managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments monitors the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model consists of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI), capturing large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model consist s of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.4020 |
| ModelxChange | Fisher Investments Asset Management | 40 Act Mutual Funds Moderate Conservative (50% Equity, 50% Fixed Income) | | | | | | | | | | | | | | | | | 8789 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8789 | 0.4000 | 0 | For investors seeking growth and income. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of equities and fixed income securities managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments monitors the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model consists of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI), capturing large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model consist s of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.4050 |
| ModelxChange | Fisher Investments Asset Management | CIT Funds Aggressive (95% Equity, 5% Fixed Income) | | | | | | | | | | | | | | | | | 8796 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8796 | 0.4000 | 0 | For investors seeking maximum long-term growth. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of equities and fixed income securities managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments monitors the allocation and rebalances on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model consists of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI), capturing large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model consists of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.5110 |
| ModelxChange | Fisher Investments Asset Management | CIT Funds Conservative (35% Equity, 65% Fixed Income) | | | | | | | | | | | | | | | | | 8800 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8800 | 0.4000 | 0 | For investors seeking modest growth and stable income. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of equities and fixed income securities managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments monitors the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model consists of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI), capturing large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model consist s of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.5230 |
| ModelxChange | Fisher Investments Asset Management | CIT Funds Moderate (65% Equity, 35% Fixed Income) | | | | | | | | | | | | | | | | | 8798 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8798 | 0.4000 | 0 | For investors seeking long-term growth with a reduction in typical equity volatility. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of equities and fixed income securities managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments monitors the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model consists of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI), capturing large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model consist s of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.5170 |
| ModelxChange | Fisher Investments Asset Management | CIT Funds Moderate Aggressive (80% Equity, 20% Fixed Income) | | | | | | | | | | | | | | | | | 8797 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8797 | 0.4000 | 0 | For investors seeking long-term growth with a modest reduction in typical equity volatility. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of equities and fixed income securities managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments monitors the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model consists of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI), capturing large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model consist s of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.5140 |
| ModelxChange | Fisher Investments Asset Management | CIT Funds Moderate Conservative (50% Equity, 50% Fixed Income) | | | | | | | | | | | | | | | | | 8799 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8799 | 0.4000 | 0 | For investors seeking growth and income. The Fisher Institutional Retirement Model Portfolios are a series of five globally diversified model portfolios consisting of equities and fixed income securities managed by Fisher Investments’ Investment Policy Committee (IPC). The models are designed to provide retirement plan participants with appropriate asset allocations and underlying investments actively managed by Fisher’s IPC to achieve participants’ retirement goals. Each model has a target asset allocation to equity and fixed income ranging from “Aggressive” to “Conservative” as described below. Fisher Investments monitors the allocation and rebalance on a quarterly basis or as needed. Under certain market conditions, Fisher Investments may adjust the asset allocation of the models as dictated by the IPC’s forecasts for the markets. The equity allocation of each model consists of an actively managed portfolio of global equities benchmarked against the MSCI ACWI Investable Market Index (IMI), capturing large, mid and small cap representation across 23 Developed Markets (DM) and 26 Emerging Markets (EM) countries, covering approximately 99% of the global equity investment opportunity set. The fixed income allocation of each model consist s of an actively managed portfolio of fixed income securities benchmarked against the ICE BAML US Broad Market Index which captures the performance of US investment grade securities, corporate securities, residential and commercial mortgage-backed securities and asset back securities. | | | 0.5200 |
| ModelxChange | Flexible Plan Investments, Ltd | Flexible Leaders Aggressive Growth | 02/28/2026 12:00:00 AM | 6.9482 | 7.9896 | 9.0510 | | 6.9482 | 2.9547 | 10.3299 | 6.5931 | | | 10.74 | | 0.41 | | | 10058 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10058 | 0.4000 | 0 | The primary objective of the Flexible Leaders Aggressive Growth portfolio is aggressively positioned, long-term growth of capital with little or no exposure to fixed income. The short-term portfolio volatility risk is targeted at a level of volatility that is approximately equal to the volatility of the S&P 500. The portfolio research team at Flexible Plan follows a quantitative, rules-based, disciplined process for portfolio construction, back testing, monitoring, and implementation. The Flexible Leaders portfolios are built upon a framework that combines momentum-based active management, strategic diversification, and risk management utilizing Flexible Plan’s proprietary Targeted Volatility Analysis process. | | 0.0100 | 0.8651 |
| ModelxChange | Flexible Plan Investments, Ltd | Flexible Leaders Conservative | 02/28/2026 12:00:00 AM | 4.6902 | 9.1543 | 8.0990 | | 4.6902 | 5.5166 | 7.2832 | 6.7641 | | | 6.76 | | 0.48 | | | 10062 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10062 | 0.4000 | 0 | The primary objective of the Flexible Leaders Conservative portfolio is to preserve capital and focus on total return from current income and a limited presence in the equity markets. The short-term portfolio volatility risk is targeted at reducing volatility 80% to a level approximately equal to 20% of the volatility of the S&P 500. The portfolio research team at Flexible Plan follows a quantitative, rules-based, disciplined process for portfolio construction, back testing, monitoring, and implementation. The Flexible Leaders portfolios are built upon a framework that combines momentum-based active management, strategic diversification, and risk management utilizing Flexible Plan’s proprietary Targeted Volatility Analysis process. | | 0.0190 | 0.7417 |
| ModelxChange | Flexible Plan Investments, Ltd | Flexible Leaders Conservative Growth | 02/28/2026 12:00:00 AM | 6.0162 | 9.0535 | 8.6825 | | 6.0162 | 3.8837 | 9.3208 | 6.6668 | | | 8.81 | | 0.44 | | | 10061 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10061 | 0.4000 | 0 | The primary objective of the Flexible Leaders Conservative Growth portfolio is moderate long-term growth of capital and reduced exposure to fixed income. The short-term portfolio volatility risk is targeted at reducing volatility 60% to a level approximately equal to 40% of the volatility of the
S&P 500.
The portfolio research team at Flexible Plan follows a quantitative, rules-based, disciplined process for portfolio construction, back testing, monitoring, and implementation. The Flexible Leaders portfolios are built upon a framework that combines momentum-based active management, strategic diversification, and risk management utilizing Flexible Plan’s proprietary Targeted Volatility Analysis process. | | 0.0130 | 0.8031 |
| ModelxChange | Flexible Plan Investments, Ltd | Flexible Leaders Growth | 02/28/2026 12:00:00 AM | 6.7068 | 8.0207 | 9.0428 | | 6.7068 | 3.1305 | 10.2364 | 6.7635 | | | 10.26 | | 0.43 | | | 10060 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10060 | 0.4000 | 0 | The primary objective of the Flexible Leaders Growth portfolio is moderate long-term growth of capital and reduced exposure to fixed income. The short-term portfolio volatility risk is targeted at reducing volatility 60% to a level approximately equal to 40% of the volatility of the S&P 500. The portfolio research team at Flexible Plan follows a quantitative, rules-based, disciplined process for portfolio construction, back testing, monitoring, and implementation. The Flexible Leaders portfolios are built upon a framework that combines momentum-based active management, strategic diversification, and risk management utilizing Flexible Plan’s proprietary Targeted Volatility Analysis process. | | 0.0100 | 0.8424 |
| ModelxChange | Flexible Plan Investments, Ltd | Flexible Leaders Moderate Growth | 02/28/2026 12:00:00 AM | 6.4200 | 7.8899 | 8.6011 | | 6.4200 | 2.8709 | 9.8936 | 6.3939 | | | 9.71 | | 0.4 | | | 10059 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10059 | 0.4000 | 0 | The primary objective of the Flexible Leaders Moderate Growth portfolio is balanced long-term growth of capital and moderate exposure to fixed income. The short-term portfolio volatility risk is targeted at reducing volatility 40% to a level approximately equal to 60% of the volatility of the S&P 500. The portfolio research team at Flexible Plan follows a quantitative, rules-based, disciplined process for portfolio construction, back testing, monitoring, and implementation. The Flexible Leaders portfolios are built upon a framework that combines momentum-based active management, strategic diversification, and risk management utilizing Flexible Plan’s proprietary Targeted Volatility Analysis process. | | 0.0120 | 0.8346 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC All-Terrain Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8113 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8113 | 0.0000 | 0 | QFC Trivantage—Leveraged takes full advantage of the low historical correlation between equities and gold. The strategy holds core positions in domestic equities and gold, while also providing the ability to move into bonds when these asset classes are not performing well. When equity markets are performing well, the equity position can increase leverage up to 2X to take advantage of market positions.
As a QFC (Quantified Fee Credit) strategy, QFC Trivantage—Leveraged is allocated solely among our subadvised Quantified Funds. QFC strategies offer investors two levels of dynamic risk management: (1) the management within the Quantified Funds and (2) the allocation/rebalancing we do among the Quantified Funds within the QFC strategies.
• The strategy has two core portfolios, one investing in the Gold Bullion Strategy Fund and the other in Quantified equity funds.
• A proprietary risk model analyzes return and risk characteristics of the two portfolios, moving either or both core positions into Quantified bond and/or income funds
as a safehaven in an effort to reduce risk and maintain gains.
• The methodology’s trading parameters are optimized yearly, including momentum look-back period, trade date, rebalance frequency, and percentage positioned in the
gold/managed income vs. S&P/managed income portfolio.
| 0.2500 | 0.1500 | 1.5300 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC All-Terrain Balanced | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8114 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8114 | 0.0000 | 0 | QFC Trivantage—Unleveraged takes advantage of the low historical correlation between equities and gold. The strategy holds core positions in domestic equities and gold, while also providing the ability to move into bonds when these asset classes are not performing well.
As a QFC (Quantified Fee Credit) strategy, QFC Trivantage—Leveraged is allocated solely among our subadvised Quantified Funds. QFC strategies offer investors two levels of dynamic risk management: (1) the management within the Quantified Funds and (2) the allocation/rebalancing • Begins with two core portfolios equally invested in equity and gold Quantified funds.
• Based on a momentum performance-based model, each core portfolio can move into income and/or bond Quantified funds as a safe haven.
• Trading parameters, including look-back periods, trade dates, rebalance frequency and position sizing are re-optimized annually.
| 0.2500 | 0.1050 | 1.5330 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC All-Terrain Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8111 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8111 | 0.0000 | 0 | QFC All-Weather Dynamic—Unleveraged is designed to create a robust portfolio for all market regimes, including periods of high or low GDP growth and high or low inflation. Using these two criteria, four market environments are possible: 1. Low growth/high inflation, 2. high growth/high inflation, 3. low growth/low inflation, and 4. high growth/low inflation. Asset classes tend to outperform or underperform depending on which regime the market is in. With this in mind, we created a dynamic portfolio-allocation methodology that monitors the risk-adjusted returns of these asset classes over multiple time periods. This dynamic allocation methodology seeks to closely follow regime changes in the market and adapt as conditions change over time. Equity, bond (inflation-protected Treasury, money-market, Treasury, emerging-market, and high-yield), and gold asset classes were selected as portfolio constituents due to their low correlations. Historically, these tend to remain relatively intact even during market turmoil. | 0.2500 | 0.1095 | 1.6098 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC All-Terrain Growth | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8110 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8110 | 0.0000 | 0 | QFC All-Weather Dynamic—Leveraged is designed to create a robust portfolio for all market regimes. This dynamic allocation methodology seeks to follow regime changes in the market and adapt as conditions change over time. It is a more aggressive version of our unleveraged All-Weather Dynamic strategy. Historically, domestic equities, gold, and income securities perform well in different types of market regimes. This is due to their low correlation, which has historically tended to remain relatively intact during market turmoil. With this in mind, we created a dynamic portfolio-allocation methodology that monitors the performance of these asset classes over multiple time periods. The result is more concentrated than our unleveraged portfolio, and, of course, leverage plays a role: The equity exposure can move up to a 2X leveraged position when market conditions are deemed right. As a QFC (Quantified Fee Credit) strategy, QFC All-Weather Dynamic—Leveraged is allocated solely among our sub-advised Quantified Funds. QFC strategies offer investors two levels of dynamic risk management: (1) the management within the Quantified Funds and (2) the allocation/rebalancing we do among the Quantified Funds within the QFC strategies.
• Seeks to take advantage of assets with low correlation.
• Creates an allocation that varies with the current market regime.
• Funds are weighted based upon asset class performance in the current regime.
• The portfolio is rebalanced monthly. Flexible Plan's proprietary Targeted Volatility Analysis (TVA) methodology is applied to control portfolio volatility.
| 0.2500 | 0.1350 | 1.5970 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC All-Terrain Moderate | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8112 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8112 | 0.0000 | 0 | QFC All-Weather Static is designed to create a risk-managed, strategically diversified portfolio for all market environments, including periods of high or low GDP growth and inflation. Using these two criteria, four market environments are possible: 1. Low growth/high inflation, 2. high growth/high inflation, 3. low growth/low inflation, and 4. high growth/low inflation. Different asset classes tend to outperform or underperform during these environments, as can be seen by monitoring the risk-adjusted returns of these asset classes during multiple time periods. QFC All-Weather Static uses this information as the basis of its portfolio allocation, which seeks to weight security positions based on their likelihood to outperform in each of the four market environments, assuming equal probability between the four market environments. QFC All-Weather Static makes use of equity, bond, and gold asset classes due to their low correlations. Historically, these tend to remain relatively intact even during market turmoil. Diversification in gold and bonds has also historically helped manage the ups and downs a static allocation can experience in equity markets. | 0.2500 | 0.1095 | 1.6109 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC Market Leaders Aggressive | | | | | | | | | | | | | | | | | 5584 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5584 | 0.0000 | 0 | QFC Market Leaders Aggressive is a dynamically risk-managed strategy that seeks growth by investing in the top-performing international and domestic asset classes. As a QFC (Quantified Fee Credit) Strategy, QFC Market Leaders is allocated solely among FPI’s subadvised Quantified Funds. QFC Strategies offer investors two levels of dynamic risk management: (1) the management within the Quantified Funds and (2) the allocation/rebalancing we do among the Quantified Funds within the QFC Strategies.
QFC Market Leaders Aggressive begins with an all-equity portfolio, which reallocates monthly into the leading investments of the strongest asset classes. The equity exposure is provided by the Quantified Market Leaders Fund (QMLFX), while the fixed-income exposure is represented by the Quantified Managed Income Fund (QBDSX). Each month, using FPI's proprietary Targeted Volatility Analysis (TVA), the strategy resets exposure to fixed-income investments based on market volatility.
Portfolios are constructed by creating portfolios of equities, based either upon style, sector, or other factors. Assets are then ranked based upon performance, and only the top performing funds are selected. To create risk profiles, a bond portfolio is created, and target volatilities are established for each risk profile. Market volatility is used to determine the ratio of equities to bonds to achieve a specific volatility within each risk portfolio. A tactical overlay is applied weekly, which may further limit exposure to the equity markets in times of financial turmoil. | 0.2500 | 0.1500 | 1.5300 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC Market Leaders Balanced | | | | | | | | | | | | | | | | | 5798 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5798 | 0.0000 | 0 | QFC Market Leaders Balanced is a dynamically risk-managed strategy that seeks growth by investing in the top-performing international and domestic asset classes. As a QFC (Quantified Fee Credit) Strategy, QFC Market Leaders is allocated solely among FPI’s subadvised Quantified Funds. QFC Strategies offer investors two levels of dynamic risk management: (1) the management within the Quantified Funds and (2) the allocation/rebalancing we do among the Quantified Funds within the QFC Strategies.
QFC Market Leaders Balanced begins with an all-equity portfolio, which reallocates monthly into the leading investments of the strongest asset classes. The equity exposure is provided by the Quantified Market Leaders Fund (QMLFX), while the fixed-income exposure is represented by the Quantified Managed Income Fund (QBDSX). Each month, using FPI's proprietary Targeted Volatility Analysis (TVA), the strategy resets exposure to fixed-income investments based on market volatility.
Portfolios are constructed by creating portfolios of equities, based either upon style, sector, or other factors. Assets are then ranked based upon performance, and only the top performing funds are selected. To create risk profiles, a bond portfolio is created, and target volatilities are established for each risk profile. Market volatility is used to determine the ratio of equities to bonds to achieve a specific volatility within each risk portfolio. A tactical overlay is applied weekly, which may further limit exposure to the equity markets in times of financial turmoil. | 0.2500 | 0.1320 | 1.5684 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC Market Leaders Conservative | | | | | | | | | | | | | | | | | 5800 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5800 | 0.0000 | 0 | QFC Market Leaders Conservative is a dynamically risk-managed strategy that seeks growth by investing in the top-performing international and domestic asset classes. As a QFC (Quantified Fee Credit) Strategy, QFC Market Leaders is allocated solely among FPI’s subadvised Quantified Funds. QFC Strategies offer investors two levels of dynamic risk management: (1) the management within the Quantified Funds and (2) the allocation/rebalancing we do among the Quantified Funds within the QFC Strategies.
QFC Market Leaders Conservative begins with an all-equity portfolio, which reallocates monthly into the leading investments of the strongest asset classes. The equity exposure is provided by the Quantified Market Leaders Fund (QMLFX), while the fixed-income exposure is represented by the Quantified Managed Income Fund (QBDSX). Each month, using FPI's proprietary Targeted Volatility Analysis (TVA), the strategy resets exposure to fixed-income investments based on market volatility.
Portfolios are constructed by creating portfolios of equities, based either upon style, sector, or other factors. Assets are then ranked based upon performance, and only the top performing funds are selected. To create risk profiles, a bond portfolio is created, and target volatilities are established for each risk profile. Market volatility is used to determine the ratio of equities to bonds to achieve a specific volatility within each risk portfolio. A tactical overlay is applied weekly, which may further limit exposure to the equity markets in times of financial turmoil. | 0.2500 | 0.1185 | 1.5972 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC Market Leaders Growth | | | | | | | | | | | | | | | | | 5797 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5797 | 0.0000 | 0 | QFC Market Leaders Growth is a dynamically risk-managed strategy that seeks growth by investing in the top-performing international and domestic asset classes. As a QFC (Quantified Fee Credit) Strategy, QFC Market Leaders is allocated solely among FPI’s subadvised Quantified Funds. QFC Strategies offer investors two levels of dynamic risk management: (1) the management within the Quantified Funds and (2) the allocation/rebalancing we do among the Quantified Funds within the QFC Strategies.
QFC Market Leaders Growth begins with an all-equity portfolio, which reallocates monthly into the leading investments of the strongest asset classes. The equity exposure is provided by the Quantified Market Leaders Fund (QMLFX), while the fixed-income exposure is represented by the Quantified Managed Income Fund (QBDSX). Each month, using FPI's proprietary Targeted Volatility Analysis (TVA), the strategy resets exposure to fixed-income investments based on market volatility.
Portfolios are constructed by creating portfolios of equities, based either upon style, sector, or other factors. Assets are then ranked based upon performance, and only the top performing funds are selected. To create risk profiles, a bond portfolio is created, and target volatilities are established for each risk profile. Market volatility is used to determine the ratio of equities to bonds to achieve a specific volatility within each risk portfolio. A tactical overlay is applied weekly, which may further limit exposure to the equity markets in times of financial turmoil. | 0.2500 | 0.1380 | 1.5548 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC Market Leaders Moderate | | | | | | | | | | | | | | | | | 5799 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5799 | 0.0000 | 0 | QFC Market Leaders Moderate is a dynamically risk-managed strategy that seeks growth by investing in the top-performing international and domestic asset classes. As a QFC (Quantified Fee Credit) Strategy, QFC Market Leaders is allocated solely among FPI’s subadvised Quantified Funds. QFC Strategies offer investors two levels of dynamic risk management: (1) the management within the Quantified Funds and (2) the allocation/rebalancing we do among the Quantified Funds within the QFC Strategies.
QFC Market Leaders Moderate begins with an all-equity portfolio, which reallocates monthly into the leading investments of the strongest asset classes. The equity exposure is provided by the Quantified Market Leaders Fund (QMLFX), while the fixed-income exposure is represented by the Quantified Managed Income Fund (QBDSX). Each month, using FPI's proprietary Targeted Volatility Analysis (TVA), the strategy resets exposure to fixed-income investments based on market volatility.
Portfolios are constructed by creating portfolios of equities, based either upon style, sector, or other factors. Assets are then ranked based upon performance, and only the top performing funds are selected. To create risk profiles, a bond portfolio is created, and target volatilities are established for each risk profile. Market volatility is used to determine the ratio of equities to bonds to achieve a specific volatility within each risk portfolio. A tactical overlay is applied weekly, which may further limit exposure to the equity markets in times of financial turmoil. | 0.2500 | 0.1245 | 1.5836 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC Multi-Strategy Portfolios Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8105 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8105 | 0.0000 | 0 | QFC Multi-Strategy Core is a turnkey strategy of strategies service that blends Flexible Plan Investments' (FPI's) Quantified Fee Credit (QFC) core strategies. The resulting portfolio-which can be customized to each client's risk profile (from conservative to aggressive)-is designed to be robust in changing market conditions.
Based on over 20 years of experience, FPI has found that combining actively managed strategies can provide additional layers of portfolio defense and return potential. This strategy delivers three levels of risk and opportunity management: (1) the management employed "within" the Quantified Funds used in each strategy, (2) the movement "among" the funds required by the strategies themselves, and (3) the allocation employed "between" the strategies. QFC Multi-Strategy Core uses our QFC strategies, which exclusively use our subadvised Quantified Funds.
The QFC Multi-Strategy Core methodology does the work for you, including core strategy and fund selection, as well as monitoring and reallocation (at least monthly).
• Draws on a universe of our dynamic, risk-managed QFC core strategies.
• The QFC core strategies use the Quantified Funds, which are subadvised by FPI. These funds are designed to deliver dynamic risk-managed performance.
| 0.2500 | 0.0330 | 1.7306 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC Multi-Strategy Portfolios Balanced | | | | | | | | | | | | | | | | | 8106 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8106 | 0.0000 | 0 | QFC Multi-Strategy Core is a turnkey strategy of strategies service that blends Flexible Plan Investments' (FPI's) Quantified Fee Credit (QFC) core strategies. The resulting portfolio-which can be customized to each client's risk profile (from conservative to aggressive)-is designed to be robust in changing market conditions.
Based on over 20 years of experience, FPI has found that combining actively managed strategies can provide additional layers of portfolio defense and return potential. This strategy delivers three levels of risk and opportunity management: (1) the management employed "within" the Quantified Funds used in each strategy, (2) the movement "among" the funds required by the strategies themselves, and (3) the allocation employed "between" the strategies. QFC Multi-Strategy Core uses our QFC strategies, which exclusively use our subadvised Quantified Funds.
The QFC Multi-Strategy Core methodology does the work for you, including core strategy and fund selection, as well as monitoring and reallocation (at least monthly).
• Draws on a universe of our dynamic, risk-managed QFC core strategies.
• The QFC core strategies use the Quantified Funds, which are subadvised by FPI. These funds are designed to deliver dynamic risk-managed performance.
| 0.2500 | 0.0645 | 1.8312 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC Multi-Strategy Portfolios Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8107 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8107 | 0.0000 | 0 | QFC Multi-Strategy Core is a turnkey strategy of strategies service that blends Flexible Plan Investments' (FPI's) Quantified Fee Credit (QFC) core strategies. The resulting portfolio-which can be customized to each client's risk profile (from conservative to aggressive)-is designed to be robust in changing market conditions.
Based on over 20 years of experience, FPI has found that combining actively managed strategies can provide additional layers of portfolio defense and return potential. This strategy delivers three levels of risk and opportunity management: (1) the management employed "within" the Quantified Funds used in each strategy, (2) the movement "among" the funds required by the strategies themselves, and (3) the allocation employed "between" the strategies. QFC Multi-Strategy Core uses our QFC strategies, which exclusively use our subadvised Quantified Funds.
The QFC Multi-Strategy Core methodology does the work for you, including core strategy and fund selection, as well as monitoring and reallocation (at least monthly).
• Draws on a universe of our dynamic, risk-managed QFC core strategies.
• The QFC core strategies use the Quantified Funds, which are subadvised by FPI. These funds are designed to deliver dynamic risk-managed performance.
| 0.2500 | 0.0855 | 1.7790 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC Multi-Strategy Portfolios Growth | 02/28/2026 12:00:00 AM | 7.9154 | 22.4602 | 14.4539 | | 7.9154 | 11.7705 | 9.2429 | 13.4771 | -8.2563 | | 11.43 | | 0.82 | | | 8108 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8108 | 0.0000 | 0 | QFC Multi-Strategy Core is a turnkey strategy of strategies service that blends Flexible Plan Investments' (FPI's) Quantified Fee Credit (QFC) core strategies. The resulting portfolio-which can be customized to each client's risk profile (from conservative to aggressive)-is designed to be robust in changing market conditions.
Based on over 20 years of experience, FPI has found that combining actively managed strategies can provide additional layers of portfolio defense and return potential. This strategy delivers three levels of risk and opportunity management: (1) the management employed "within" the Quantified Funds used in each strategy, (2) the movement "among" the funds required by the strategies themselves, and (3) the allocation employed "between" the strategies. QFC Multi-Strategy Core uses our QFC strategies, which exclusively use our subadvised Quantified Funds.
The QFC Multi-Strategy Core methodology does the work for you, including core strategy and fund selection, as well as monitoring and reallocation (at least monthly).
• Draws on a universe of our dynamic, risk-managed QFC core strategies.
• The QFC core strategies use the Quantified Funds, which are subadvised by FPI. These funds are designed to deliver dynamic risk-managed performance.
| 0.2500 | 0.0240 | 1.7560 |
| ModelxChange | Flexible Plan Investments, Ltd | QFC Multi-Strategy Portfolios Moderate | 02/28/2026 12:00:00 AM | 5.0968 | 19.2850 | 9.0784 | | 5.0968 | 15.9111 | 4.3959 | 1.7022 | -4.2405 | | 6.15 | | 0.67 | | | 8109 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8109 | 0.0000 | 0 | QFC Multi-Strategy Core is a turnkey strategy of strategies service that blends Flexible Plan Investments' (FPI's) Quantified Fee Credit (QFC) core strategies. The resulting portfolio-which can be customized to each client's risk profile (from conservative to aggressive)-is designed to be robust in changing market conditions.
Based on over 20 years of experience, FPI has found that combining actively managed strategies can provide additional layers of portfolio defense and return potential. This strategy delivers three levels of risk and opportunity management: (1) the management employed "within" the Quantified Funds used in each strategy, (2) the movement "among" the funds required by the strategies themselves, and (3) the allocation employed "between" the strategies. QFC Multi-Strategy Core uses our QFC strategies, which exclusively use our subadvised Quantified Funds.
The QFC Multi-Strategy Core methodology does the work for you, including core strategy and fund selection, as well as monitoring and reallocation (at least monthly).
• Draws on a universe of our dynamic, risk-managed QFC core strategies.
• The QFC core strategies use the Quantified Funds, which are subadvised by FPI. These funds are designed to deliver dynamic risk-managed performance.
| 0.2500 | 0.0720 | 1.8150 |
| ModelxChange | Franklin Templeton Private Portfolio Group, LLC | Franklin Templeton Diversified Risk Portfolio- Conservative | 02/28/2026 12:00:00 AM | 2.2465 | 9.2518 | 8.1343 | 2.2732 | 2.2465 | 9.8859 | 3.9455 | 9.5830 | -16.3641 | 3.0552 | 5.93 | 8.13 | 0.54 | -0.11 | | 6740 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6740 | 0.0000 | 0 | Seeks long-term capital growth consistent with its target investment risk profile. The Franklin Templeton Diversified Risk Portfolios are a suite of multi-asset portfolios seeking to deliver long term capital growth consistent with a target investment risk profile. Developed utilizing the portfolio construction expertise of FTIS, the Portfolios incorporate active management and tactical positioning to seek to enhance return potential, diversification and alternative assets to mitigate risk, and passive strategies to manage cost. The Franklin Templeton Diversified Risk Portfolio – Conservative generally targets 80% fixed income exposure. | | 0.0366 | 0.2816 |
| ModelxChange | Franklin Templeton Private Portfolio Group, LLC | Franklin Templeton Diversified Risk Portfolio- Growth | 02/28/2026 12:00:00 AM | 3.7368 | 19.3522 | 16.2397 | 9.4574 | 3.7368 | 19.3223 | 11.8975 | 16.9465 | -14.1951 | 16.4999 | 9.15 | 11.82 | 1.17 | 0.53 | | 6741 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6741 | 0.0000 | 0 | Seeks long-term capital growth consistent with its target investment risk profile. The Franklin Templeton Diversified Risk Portfolios are a suite of multi-asset portfolios seeking to deliver long term capital growth consistent with a target investment risk profile. Developed utilizing the portfolio construction expertise of FTIS, the Portfolios incorporate active management and tactical positioning to seek to enhance return potential, diversification and alternative assets to mitigate risk, and passive strategies to manage cost. The Franklin Templeton Diversified Risk Portfolio – Growth generally targets 80% equity exposure. | | 0.0351 | 0.3498 |
| ModelxChange | Franklin Templeton Private Portfolio Group, LLC | Franklin Templeton Diversified Risk Portfolio- Moderate Growth | 02/28/2026 12:00:00 AM | 3.0283 | 15.5163 | 13.7098 | 7.1217 | 3.0283 | 15.8131 | 9.6888 | 15.1894 | -15.7422 | 12.0069 | 7.93 | 10.52 | 1.06 | 0.38 | | 6669 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6669 | 0.0000 | 0 | Seeks long-term capital growth consistent with its target investment risk profile. The Franklin Diversified Risk Portfolios are a suite of multi-asset portfolios seeking to deliver long term capital growth consistent with a target investment risk profile. Developed utilizing the portfolio construction expertise of FTIS, the Portfolios incorporate active management and tactical positioning to seek to enhance return potential, diversification and alternative assets to mitigate risk, and passive strategies to manage cost. The Franklin Templeton Diversified Risk Portfolio – Moderate Growth generally targets 60% equity exposure. | | 0.0359 | 0.3284 |
| ModelxChange | GeaSphere LLC | GeaSphere Core ETF 10-90 | | | | | | | | | | | | | | | | | 2648 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2648 | 0.5000 | 0 | Stable with Income
Conservative Stable Income using Tactical Asset Allocation of Stocks 10% and Bonds 90%.
Tactical asset allocation is an active management portfolio strategy that shifts the percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors.
This strategy allows our portfolio managers to create extra value by taking advantage of sector rotations in the marketplace. It is a moderately active strategy since managers return to the portfolio's original strategic asset mix when desired short-term profits are achieved on a Semi-annual basis.
GeaSphere offers 10 Core ETF model portfolios for every risk tolerance and time horizon. All models are constructed with our rules based allocation, adjusted for market conditions. We continuously review and adjust the weightings of each asset class within each portfolio to reflect leading sectors for maximum efficiency and returns. | | | 0.5430 |
| ModelxChange | GeaSphere LLC | GeaSphere Core ETF 100 | | | | | | | | | | | | | | | | | 2640 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2640 | 0.5000 | 0 | GeaSphere Core ETF 100 – Extremely Aggressive Growth
Aggressive Growth portfolio using Tactical Asset Allocation of Stocks 100% and Bonds 0%.
Tactical asset allocation is an active management portfolio strategy that shifts the percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors.
This strategy allows our portfolio managers to create extra value by taking advantage of sector rotations in the marketplace. It is a moderately active strategy since managers return to the portfolio's original strategic asset mix when desired short-term profits are achieved on a Semi-annual basis.
GeaSphere offers 10 Core ETF model portfolios for every risk tolerance and time horizon. All models are constructed
with our rules based allocation, adjusted for market conditions. We continuously review and adjust the weightings of
each asset class within each portfolio to reflect leading sectors for maximum efficiency and returns. | | | 0.5459 |
| ModelxChange | GeaSphere LLC | GeaSphere Core ETF 20-80 | | | | | | | | | | | | | | | | | 2647 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2647 | 0.5000 | 0 | Conservative Stable with Income and Growth
Conservative Stable Income and Growth using Tactical Asset Allocation of Stocks 20% and Bonds 80%.
Tactical asset allocation is an active management portfolio strategy that shifts the percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors.
This strategy allows our portfolio managers to create extra value by taking advantage of sector rotations in the marketplace. It is a moderately active strategy since managers return to the portfolio's original strategic asset mix when desired short-term profits are achieved on a Semi-annual basis.
GeaSphere offers 10 Core ETF model portfolios for every risk tolerance and time horizon. All models are constructed with our rules based allocation, adjusted for market conditions. We continuously review and adjust the weightings of each asset class within each portfolio to reflect leading sectors for maximum efficiency and returns. | | | 0.5428 |
| ModelxChange | GeaSphere LLC | GeaSphere Core ETF 30-70 | | | | | | | | | | | | | | | | | 2646 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2646 | 0.5000 | 0 | Moderate Income and Growth
Conservative Income and Growth using Tactical Asset Allocation of Stocks 30% and Bonds 70%.
Tactical asset allocation is an active management portfolio strategy that shifts the percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors.
This strategy allows our portfolio managers to create extra value by taking advantage of sector rotations in the marketplace. It is a moderately active strategy since managers return to the portfolio's original strategic asset mix when desired short-term profits are achieved on a Semi-annual basis.
GeaSphere offers 10 Core ETF model portfolios for every risk tolerance and time horizon. All models are constructed with our rules based allocation, adjusted for market conditions. We continuously review and adjust the weightings of each asset class within each portfolio to reflect leading sectors for maximum efficiency and returns | | | 0.5421 |
| ModelxChange | GeaSphere LLC | GeaSphere Core ETF 40-60 | | | | | | | | | | | | | | | | | 2645 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2645 | 0.5000 | 0 | Balanced with Income and Growth
Balanced Income and Growth using Tactical Asset Allocation of Stocks 40% and Bonds 60%.
Tactical asset allocation is an active management portfolio strategy that shifts the percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors.
This strategy allows our portfolio managers to create extra value by taking advantage of sector rotations in the marketplace. It is a moderately active strategy since managers return to the portfolio's original strategic asset mix when desired short-term profits are achieved on a Semi-annual basis.
GeaSphere offers 10 Core ETF model portfolios for every risk tolerance and time horizon. All models are constructed with our rules based allocation, adjusted for market conditions. We continuously review and adjust the weightings of each asset class within each portfolio to reflect leading sectors for maximum efficiency and returns. | | | 0.5415 |
| ModelxChange | GeaSphere LLC | GeaSphere Core ETF 50-50 | 02/28/2026 12:00:00 AM | 3.1883 | 11.2979 | 10.6190 | 5.3911 | 3.1883 | 9.6062 | 8.9400 | 13.0117 | -15.1010 | 11.4362 | 8.02 | 9.95 | 0.7 | 0.23 | | 2644 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2644 | 0.5000 | 0 | Balanced with Growth And Income
Balanced Growth and Income using Tactical Asset Allocation of Stocks 50% and Bonds 50%.
Tactical asset allocation is an active management portfolio strategy that shifts the percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors.
This strategy allows our portfolio managers to create extra value by taking advantage of sector rotations in the marketplace. It is a moderately active strategy since managers return to the portfolio's original strategic asset mix when desired short-term profits are achieved on a Semi-annual basis.
GeaSphere offers 10 Core ETF model portfolios for every risk tolerance and time horizon. All models are constructed with our rules based allocation, adjusted for market conditions. We continuously review and adjust the weightings of each asset class within each portfolio to reflect leading sectors for maximum efficiency and returns. | | | 0.5431 |
| ModelxChange | GeaSphere LLC | GeaSphere Core ETF 60-40 | 02/28/2026 12:00:00 AM | 3.4706 | 12.3437 | 11.6941 | 6.4083 | 3.4706 | 10.1961 | 10.3742 | 14.3742 | -15.3838 | 14.2910 | 8.84 | 10.94 | 0.75 | 0.31 | | 2643 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2643 | 0.5000 | 0 | Moderately Aggressive Growth and Income
Moderate Growth and Income using Tactical Asset Allocation of Stocks 60% and Bonds 40%.
Tactical asset allocation is an active management portfolio strategy that shifts the percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors.
This strategy allows our portfolio managers to create extra value by taking advantage of sector rotations in the marketplace. It is a moderately active strategy since managers return to the portfolio's original strategic asset mix when desired short-term profits are achieved on a Semi-annual basis.
GeaSphere offers 10 Core ETF model portfolios for every risk tolerance and time horizon. All models are constructed with our rules based allocation, adjusted for market conditions. We continuously review and adjust the weightings of each asset class within each portfolio to reflect leading sectors for maximum efficiency and returns. | | | 0.5435 |
| ModelxChange | GeaSphere LLC | GeaSphere Core ETF 70-30 | 02/28/2026 12:00:00 AM | 3.8309 | 13.9783 | | | 3.8309 | 11.5770 | | 16.0090 | -16.1718 | 17.5803 | | | | | | 2642 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2642 | 0.5000 | 0 | Aggressive Growth with Moderate Income
Moderate Aggressive Growth with some Income using Tactical Asset Allocation of Stocks 70% and Bonds 30%.
Tactical asset allocation is an active management portfolio strategy that shifts the percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors.
This strategy allows our portfolio managers to create extra value by taking advantage of sector rotations in the marketplace. It is a moderately active strategy since managers return to the portfolio's original strategic asset mix when desired short-term profits are achieved on a Semi-annual basis.
GeaSphere offers 10 Core ETF model portfolios for every risk tolerance and time horizon. All models are constructed with our rules based allocation, adjusted for market conditions. We continuously review and adjust the weightings of each asset class within each portfolio to reflect leading sectors for maximum efficiency and returns. | | | 0.5448 |
| ModelxChange | GeaSphere LLC | GeaSphere Core ETF 80-20 | | | | | | | | | | | | | | | | | 2641 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2641 | 0.5000 | 0 | Aggressive Growth with little income
Aggressive Growth using Tactical Asset Allocation of Stocks 80% and Bonds 20%.
Tactical asset allocation is an active management portfolio strategy that shifts the percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors.
This strategy allows our portfolio managers to create extra value by taking advantage of sector rotations in the marketplace. It is a moderately active strategy since managers return to the portfolio's original strategic asset mix when desired short-term profits are achieved on a Semi-annual basis.
GeaSphere offers 10 Core ETF model portfolios for every risk tolerance and time horizon. All models are constructed with our rules based allocation, adjusted for market conditions. We continuously review and adjust the weightings of each asset class within each portfolio to reflect leading sectors for maximum efficiency and returns. | | | 0.5450 |
| ModelxChange | GeaSphere LLC | GeaSphere Core ETF 90-10 | 02/28/2026 12:00:00 AM | 4.1834 | 16.2713 | 15.6262 | 9.7465 | 4.1834 | 12.9088 | 15.4349 | 19.0816 | -17.0179 | 23.4742 | 11.37 | 14.18 | 0.92 | 0.48 | | 2639 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2639 | 0.5000 | 0 | Very Aggressive Growth
Very Aggressive Growth using Tactical Asset Allocation of Stocks 90% and Bonds 10%.
Tactical asset allocation is an active management portfolio strategy that shifts the percentage of assets held in various categories to take advantage of market pricing anomalies or strong market sectors.
This strategy allows our portfolio managers to create extra value by taking advantage of sector rotations in the marketplace. It is a moderately active strategy since managers return to the portfolio's original strategic asset mix when desired short-term profits are achieved on a Semi-annual basis.
GeaSphere offers 10 Core ETF model portfolios for every risk tolerance and time horizon. All models are constructed with our rules based allocation, adjusted for market conditions. We continuously review and adjust the weightings of each asset class within each portfolio to reflect leading sectors for maximum efficiency and returns. | | | 0.5450 |
| ModelxChange | Gradient Investments, LLC | Gradient Endowment Series (ETF) Program - (A) Conservative | | | | | | | | | | | | | | | | | 585 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL585 | 0.0000 | 0 | For the conservative investor. The portfolio's target allocation is 15% equity, 65% fixed income and 20% alternative investments. The portfolio seeks to achieve further diversification by investing in ETFs that track both domestic and international equity markets, bond markets, and alternative asset classes. | | | 0.1926 |
| ModelxChange | Gradient Investments, LLC | Gradient Endowment Series (ETF) Program - (B) Moderately Conservative | | | | | | | | | | | | | | | | | 656 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL656 | 0.0000 | 0 | For the moderately conservative investor. The portfolio's target allocation is 30% equity, 50% fixed income and 20% alternative investments. The portfolio seeks to achieve further diversification by investing in ETFs that track both domestic and international equity markets, bond markets, and alternative asset classes. | | | 0.1801 |
| ModelxChange | Gradient Investments, LLC | Gradient Endowment Series (ETF) Program - (C) Moderate | | | | | | | | | | | | | | | | | 586 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL586 | 0.0000 | 0 | For the moderate investor. The portfolio's target allocation is 45% equity, 30% fixed income and 25% alternative investments. The portfolio seeks to achieve further diversification by investing in ETFs that track both domestic and international equity markets, bond markets, and alternative asset classes. | | | 0.1697 |
| ModelxChange | Gradient Investments, LLC | Gradient Endowment Series (ETF) Program - (D) Moderate Growth | | | | | | | | | | | | | | | | | 657 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL657 | 0.0000 | 0 | For the moderate growth oriented investor. The portfolio's target allocation is 60% equity, 15% fixed income and 25% alternative investments. The portfolio seeks to achieve further diversification by investing in ETFs that track both domestic and international equity markets, bond markets, and alternative asset classes. | | | 0.1571 |
| ModelxChange | Gradient Investments, LLC | Gradient Endowment Series (ETF) Program - (E) Growth | | | | | | | | | | | | | | | | | 587 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL587 | 0.0000 | 0 | For the growth-oriented investor The portfolio's target allocation is 70% equity and 30% alternative investments. The portfolio seeks to achieve further diversification by investing in ETFs that track both domestic and international equity markets, and alternative asset classes.
| | | 0.1426 |
| ModelxChange | Harvest Investment Services, LLC | AlphaSolutions 13/50 MA Crossover | 02/28/2026 12:00:00 AM | 2.0085 | 7.3493 | 14.2550 | 8.2507 | 2.0085 | 5.2332 | 17.1967 | 22.9440 | -17.9928 | 22.6031 | 12.44 | 12.87 | 0.75 | 0.41 | | 2716 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2716 | 0.5000 | 0 | Primary: Seeks long term growth by investing in major equity indices when they are trended in or are advancing.
Secondary: Seeks to reduce market volatility by reducing or eliminating investments when major indices are trended out. We employ a technical investment strategy based on a set of rules that analyze the trend of five major domestic indices to determine if a risk on or risk off approach should be taken. Risk on or risk off is determined by examining the trend of each index independently. The technical trend is the assessment of where the short term moving average is, relative to the long term moving average for each index.
Specifically, when the short term thirteen-day exponential moving average is crosses over or is above the longer term fifty-day exponential moving average then that index is trended in and we would invest in that index by utilizing an Exchange Traded Fund (ETF). The trend for each of the five indices is evaluated independently and twenty percent is invested in each index that is trended in. There will be times when the strategy will be fully invested, while other times, especially, when markets become more volatile, there will be positions that trend out and the strategy would not be fully invested.
Risk Control Measure
We utilize an active approach to minimize downside risk, unlike a traditional buy and hold approach that stays fully invested regardless of market volatility or losses. The AlphaSolutions 13/50 Strategy would minimize risk by taking a risk off approach by liquidating equity holdings that are not trended in. As previously mentioned when the thirteen-day moving average is above the fifty-day moving average that position is trended in and we would invest in that positon, conversely, when the thirteen-day moving
average crosses below the fifty-day moving average we would consider that position trended out and we would liquidate that position and invest in cash until that index trends back in. | | | 0.5000 |
| ModelxChange | Harvest Investment Services, LLC | AlphaSolutions Blended Bull/Calendar | | | | | | | | | | | | | | | | | 1952 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1952 | 0.5000 | 0 | Primary: Seeks long term growth of capital by investing in high ranked equity classes during bull markets.
Secondary: Seeks to reduce volatility during a bear markets by utilizing risk control measures. We analyze a number of technical indicators to determine if the equity market is in a bull or bear market. During a bull market as measured by our bull-bear indicator, we will be fully invested in equity holdings. After the determination that the equity market is in a bull market, we then evaluate numerous equity classes and select the ones that are ranked highly, relative to other equity classes and invest in them for that quarter. During a continued bull market we examine the relative strength of numerous equity classes and reallocate the holdings on a quarterly basis. We evaluate the bull-bear indicator weekly to assess if we are to maintain our equity exposure or if the market has entered a bear market and risk control measures should be taken instead.
We utilize an active approach to manage risk. We employ numerous strategies to evaluate and determine on a weekly basis if the market has entered a bear market. Specifically, when the bull-bear indicator determines that the equity market has entered a bear market we reallocate the equity positions into cash and bond holdings and then examine calendar dates that coincide with the current bear market to determine what dates have historically been profitable to invest in.
Generally, there are a total of 12-14 identified periods per year, which typically range from 6-8 market days long that have historically been characterized with the highest probability of profitable. During these identified periods we will invest in the equity market, which comes out to approximately 28% of the bear market period. | | | 0.7900 |
| ModelxChange | Harvest Investment Services, LLC | AlphaSolutions Low Volatility | 02/28/2026 12:00:00 AM | 6.1758 | 11.4454 | 13.3878 | 10.3626 | 6.1758 | 8.9406 | 16.4005 | 9.5288 | -9.9188 | 25.0676 | 9.99 | 12.74 | 0.83 | 0.57 | | 5300 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5300 | 0.0500 | 0 | Seeks long term growth of capital by investing in low volatile equity ETFs based on major domestic indexes.
Risk Control Measure
The AlphaSolutions Low Volatility Strategy utilizes two methods to minimize risk. The first method is that it utilizes low volatility strategies that may mitigate downside risk and minimize large drawdowns relative to the broad market indices. These low volatility strategies have provided meaningful protection during past large drawdown periods and may do so in future large drawdown periods. In addition, to help minimize further risk an active tactical approach is employed, unlike a traditional buy and hold approach that stays fully invested regardless of market volatility or losses. When our technical indicators indicate a risk off approach is to be taken, we would minimize risk by liquidating half the weighting of each of the low volatility holdings. | | | 0.2809 |
| ModelxChange | Harvest Investment Services, LLC | AlphaSolutions Momentum - High Equity | 02/28/2026 12:00:00 AM | 4.3195 | 17.1523 | 14.4835 | 10.9368 | 4.3195 | 11.6336 | 14.5998 | 18.1018 | -7.7190 | 27.4665 | 11.01 | 11.23 | 0.85 | 0.67 | | 1954 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1954 | 0.5000 | 0 | Primary: Seeks long term growth of capital by investing in high ranked Global Equity Classes.
Secondary: Seeks to reduce volatility during bear markets by decreasing equity exposure and increasing cash and bond positions. We employ a maximum/minimum investment allocation to equities that is dependent on market trends. There are three Momentum models which differ based upon the equity exposure during both bull (maximum) and bear (minimum) markets. The specific Momentum model (allocation towards equities) utilized is predetermined based on risk profile, financial goals or discussions with an investment advisor.
Technical trending strategies are used to evaluate and determine if the maximum or the minimum allocation in equities should be invested for that quarter. After the determination to invest in equity positions has been made, we then select highly-ranked asset classes to invest in for the quarter. The following quarter we reevaluate the technical trend of the equity markets to determine if the max or the min equity exposure is to be utilized and reallocate to highly ranked asset classes.
We utilize an active approach to manage risk. We employ technical trending strategies to evaluate and determine on a quarterly basis if the portfolio will invest the maximum or the minimum equity exposure for that quarter. If our technical analysis determines that we are to minimize risk then the minimum equity allocation will be employed for that quarter; low exposure - 10%, medium exposure - 20% or high exposure - 30%. During the low equity quarters we will have a high percentage of investments in more conservative cash and bond positions. We will reevaluate the trend for the coming quarter to determine if we should invest the maximum or the minimum amount in the equity market.
Our trend evaluation helps to minimize or avoid losses during precipitous bear markets due to our minimize equity and maximum bond allocation during these times. Bond positions historically have lower volatility and higher dividend payouts than equity holdings.
| | | 0.7745 |
| ModelxChange | Harvest Investment Services, LLC | AlphaSolutions Momentum - Low Equity | 02/28/2026 12:00:00 AM | 1.7240 | 8.6782 | 7.8427 | 5.5106 | 1.7240 | 6.9982 | 7.9782 | 8.9136 | -2.0546 | 6.2781 | 3.82 | 3.87 | 0.74 | 0.51 | | 1956 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1956 | 0.5000 | 0 | Primary: Seeks long term growth of capital by investing in high ranked Global Equity Classes.
Secondary: Seeks to reduce volatility during bear markets by decreasing equity exposure and increasing cash and bond positions. We employ a maximum/minimum investment allocation to equities that is dependent on market trends. There are three Momentum models which differ based upon the equity exposure during both bull (maximum) and bear (minimum) markets. The specific Momentum model (allocation towards equities) utilized is predetermined based on risk profile, financial goals or discussions with an investment advisor.
Technical trending strategies are used to evaluate and determine if the maximum or the minimum allocation in equities should be invested for that quarter. After the determination to invest in equity positions has been made, we then select highly-ranked asset classes to invest in for the quarter. The following quarter we reevaluate the technical trend of the equity markets to determine if the max or the min equity exposure is to be utilized and reallocate to highly ranked asset classes.
We utilize an active approach to manage risk. We employ technical trending strategies to evaluate and determine on a quarterly basis if the portfolio will invest the maximum or the minimum equity exposure for that quarter. If our technical analysis determines that we are to minimize risk then the minimum equity allocation will be employed for that quarter; low exposure - 10%, medium exposure - 20% or high exposure - 30%. During the low equity quarters we will have a high percentage of investments in more conservative cash and bond positions. We will reevaluate the trend for the coming quarter to determine if we should invest the maximum or the minimum amount in the equity market.
Our trend evaluation helps to minimize or avoid losses during precipitous bear markets due to our minimize equity and maximum bond allocation during these times. Bond positions historically have lower volatility and higher dividend payouts than equity holdings. | | | 0.6817 |
| ModelxChange | Harvest Investment Services, LLC | AlphaSolutions Momentum - Medium Equity | 02/28/2026 12:00:00 AM | 2.9960 | 12.4804 | 11.0188 | 8.1567 | 2.9960 | 8.9789 | 11.1866 | 13.5459 | -4.8605 | 16.5037 | 7.35 | 7.48 | 0.81 | 0.62 | | 1955 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1955 | 0.5000 | 0 | Primary: Seeks long term growth of capital by investing in high ranked Global Equity Classes.
Secondary: Seeks to reduce volatility during bear markets by decreasing equity exposure and increasing cash and bond positions. We employ a maximum/minimum investment allocation to equities that is dependent on market trends. There are three Momentum models which differ based upon the equity exposure during both bull (maximum) and bear (minimum) markets. The specific Momentum model (allocation towards equities) utilized is predetermined based on risk profile, financial goals or discussions with an investment advisor.
Technical trending strategies are used to evaluate and determine if the maximum or the minimum allocation in equities should be invested for that quarter. After the determination to invest in equity positions has been made, we then select highly-ranked asset classes to invest in for the quarter. The following quarter we reevaluate the technical trend of the equity markets to determine if the max or the min equity exposure is to be utilized and reallocate to highly ranked asset classes.
We utilize an active approach to manage risk. We employ technical trending strategies to evaluate and determine on a quarterly basis if the portfolio will invest the maximum or the minimum equity exposure for that quarter. If our technical analysis determines that we are to minimize risk then the minimum equity allocation will be employed for that quarter; low exposure - 10%, medium exposure - 20% or high exposure - 30%. During the low equity quarters we will have a high percentage of investments in more conservative cash and bond positions. We will reevaluate the trend for the coming quarter to determine if we should invest the maximum or the minimum amount in the equity market.
Our trend evaluation helps to minimize or avoid losses during precipitous bear markets due to our minimize equity and maximum bond allocation during these times. Bond positions historically have lower volatility and higher dividend payouts than equity holdings.
| | | 0.7281 |
| ModelxChange | Harvest Investment Services, LLC | AlphaSolutions Multi-Sector Fixed Income | 02/28/2026 12:00:00 AM | 1.7713 | 4.3432 | 4.7639 | 2.1322 | 1.7713 | 5.6820 | -0.9699 | 8.9019 | -7.4060 | 0.7340 | 5.69 | 5.11 | 0 | -0.24 | | 2399 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2399 | 0.4000 | 0 | Primary: Seeks to invest in high-ranked sectors within the fixed income market to achieve long term positive returns and to minimize fixed income risk by rotating out of weaker sectors
Secondary: Seeks income from interest and dividends We employ technical trending strategies that utilize relative strength to evaluate and invest in high ranking fixed income sectors. We rank each sector daily according to our trending strategies and at the start of each quarter we invest in three of the four highest ranking fixed income sectors. We eliminate the highest ranked sector due to the likelihood of mean reversion and invest in the following three sectors. Each quarter we repeat the process of ranking the fixed income sectors and then investing in those that meet the criteria. This type of investing is typically characterized as momentum investing. The economic cycle is cyclical and as the economy goes through periods of expansion and periods of weakness, during these periods various sectors within the fixed income market behave and perform very differently therefore continually investing in highly ranked sectors may improve total return. | | | 0.7435 |
| ModelxChange | Harvest Investment Services, LLC | AlphaSolutions Reduced Volatility Bull-Bear | 02/28/2026 12:00:00 AM | 4.6210 | 19.4984 | 16.3610 | 10.3962 | 4.6210 | 12.8437 | 15.7179 | 15.9903 | -11.9282 | 31.1021 | 12.27 | 11.46 | 0.91 | 0.62 | | 1945 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1945 | 0.5000 | 0 | Primary: Seeks long term growth of capital by investing in high ranked equity classes during bull markets.
Secondary: Seeks to reduce volatility during bear markets by having no equity positions and being fully invested in cash and bond positions We analyze a number of technical indicators to determine if the equity market is in a bull or bear market. During a bull market as measured by our bull-bear indicator, we will be fully invested in equity holdings. After the determination that the equity market is in a bull market, we then evaluate numerous equity classes and select the ones that are ranked highly, relative to other equity classes and invest in them for that quarter. During a continued bull market we examine the relative strength of numerous equity classes and reallocate the holdings on a quarterly basis. We evaluate the bull-bear indicator weekly to assess if we should maintain our equity exposure or if the market has entered a bear market and we should take risk control measures.
We utilize an active approach to manage risk. We employ numerous trending strategies, referred to as the bull-bear indicator, to evaluate and determine on a weekly basis if the market has entered a bear market. When the bull-bear indicator determines that the equity market has entered a bear market we then reallocate the equity positions into cash and bond holdings. We examine the bull-bear indicator throughout the quarter to determine if we are to maintain a defensive position by investing in cash and bonds. Our trend evaluation helps to minimize or avoid losses during precipitous bear markets by removing equity allocation and maximizing bond allocation during bear markets. Bond positions historically have lower volatility and higher dividend payouts than equity holdings. | | | 0.7900 |
| ModelxChange | Harvest Investment Services, LLC | AlphaSolutions Sector Rotation | 02/28/2026 12:00:00 AM | 9.1163 | 19.8339 | 16.4655 | 13.5979 | 9.1163 | 12.6072 | 19.1567 | 6.0931 | 5.7128 | 16.1981 | 12.35 | 11.33 | 0.91 | 0.88 | | 1940 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1940 | 0.5000 | 0 | Primary: Seeks long term growth of capital by investing in high ranked U.S. Equity Sectors of the market.
Secondary: Seeks to reduce volatility during bear markets by investing in cash and bond sectors. Harvest Investment Services, employs a risk on/risk off strategy. Quarterly technical trending strategies are used to evaluate and to determine if the portfolio will invest in equity positions for that quarter. After the determination to invest in equity positions for that quarter has been made, we then select highly-ranked U.S. equity sectors for that month. The following month we reevaluate the relative strength of the U.S. equity sectors and determine which highly ranked U.S. equity sectors should be invested in. We evaluate the relative strength of the different sectors of the market each month for that quarter and invest accordingly. This type of investing is typically characterized as momentum investing. | | | 0.8800 |
| ModelxChange | Harvest Investment Services, LLC | AlphaSolutions Tactical Response | 02/28/2026 12:00:00 AM | 2.9982 | 17.9826 | 14.7578 | 7.3165 | 2.9982 | 13.8217 | 12.8751 | 18.8425 | -22.6321 | 22.3051 | 10.86 | 12.54 | 0.88 | 0.35 | | 3229 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3229 | 0.5000 | 0 | Description We employ a technical investment strategy based on a set of rules that analyze the trend of five major domestic indices to determine if a risk on or risk off approach should be taken. Risk on or risk off is determined by examining the trend of each index independently. The technical indicators are based upon the assessment of midterm indicators, midterm crossovers and other factors.
When our indicators provide us with a buy signal and we would invest in that index by utilizing an Exchange Traded Fund (ETF). The trend for each of the five indices is evaluated independently and twenty percent is invested in each index that is trended in. There will be times when the strategy will be fully invested, while other times, especially, when markets become more volatile, there will be positions that trend out and the strategy would not be fully invested.
Risk Control Measure
The AlphaSolutions Response Strategy utilizes an active approach to minimize downside risk, unlike a traditional buy and hold approach that stays fully invested regardless of market volatility or losses, by We would minimize risk by taking a risk off approach by liquidating equity holdings that are trend out. After we liquidate a position we would keep the proceeds in cash until that position trends back in. | | | 0.5000 |
| ModelxChange | Highland Capital Management, LLC | Highland Balanced Strategy (ETFs) | 02/28/2026 12:00:00 AM | 2.8690 | 13.6212 | 11.8192 | 6.2692 | 2.8690 | 12.7545 | 9.5775 | 12.9668 | -13.3653 | 10.4224 | 6.87 | 9.2 | 0.97 | 0.33 | | 623 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL623 | 0.0000 | 0 | The investment objective of the balanced strategy is to provide modest capital appreciation with a well diversified 50/50 mix of stock and bond ETF's. This strategy provides diversification across the equity allocation with exposures to large capitalization companies (25%), mid cap companies (8%), small cap companies (6%), and international (11%). The International allocation includes both developed and emerging markets. In the mid and small capitalization categories diversification by style is also provided with exposure to both growth and value segments of the respective sectors. The 50% of the model invested in fixed income/cash equivalents is also well diversified between short and intermediate sectors of the yield curve, with 12.5% in a 1-3 year corporate bond ETF, and 12.5% invested in an intermediate governemnt/corporate bond ETF. US Treasury securites are also represented at 7.5% in the 7 - 10 year maturity spectrum, and the strategy has a 7.5% exposure to mortgage backed bonds. The strategy also has a 5% exposure to the high yield corporate sector in order to obtain some additional yield for the fixed income segment. The weightings for each asset are subject to a swing of + or - 5% at the discretion of the investment manager to give the manager latitude to respond to changes in the market environment and outlook. | | | 0.0665 |
| ModelxChange | Highland Capital Management, LLC | Highland Conservative Strategy (ETFs) | 02/28/2026 12:00:00 AM | 1.6521 | 9.2514 | 8.4789 | 4.5199 | 1.6521 | 9.4160 | 7.2701 | 8.5394 | -8.4492 | 5.8255 | 4.82 | 5.96 | 0.72 | 0.19 | | 622 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL622 | 0.0000 | 0 | The goal of this strategy is to limit loss of principal by utilizing a large fixed income exposure, while also providing a sufficient equity allocation for long term growth to maintain purchasing power over time given rising levels of inflation. This strategy is weighted heavily to fixed income (72.5%) to lower the volatility of returns. The fixed income component is well diversified between US Treasury, corporate, and mortgage backed securities underlying the various ETF's used. The strategy is weighted toward the short and intermediate portions of the yield curve, as our opinion is that investors are not being compensated for the risk in longer maturity bonds due to the current low level of interest rates. The equity allocation of the strategy (27.5%) is diversified across large, mid, and small capitalization ETF's, with a small weight also given to international equity markets. The larger capitalization segment as represented by the S&P 500 is the largest of the equity weights due to its tendency to be less volatile than the mid and small capitalization sectors of the market. The weightings for each asset are subject to a swing of + or - 5% at the discretion of the investment manager to give the manager latitude to respond to changes in the market environment and outlook. | | | 0.0822 |
| ModelxChange | Highland Capital Management, LLC | Highland Growth & Income Strategy (ETFs) | 02/28/2026 12:00:00 AM | 3.8327 | 18.3533 | 15.3519 | 8.5375 | 3.8327 | 16.4197 | 13.6859 | 15.4623 | -15.5519 | 15.5485 | 10.22 | 12.71 | 0.98 | 0.44 | | 624 | Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL624 | 0.0000 | 0 | The objective of the strategy is capital appreciation through investment in risk assets. The strategy of the model is to be well diversified across domestic equity market capitalizations (large, midcap, small cap) and styles (growth and value), with a broader expsoure to various segments of the international equity markets (developed foreign, emerging markets, Pacific ex Japan, and Brazil, Russia, India, China). To provide for additional exposure to risk assets beyond traditional equity investments, this strategy also has a 4% weighting in real estate through a REIT, as well as a commodity exposure through a commodity ETF. The total equity and risk asset weightings of this strategy total 80%, with the fixed income and cash component representing 20%. The fixed income component is represented by fixed income ETF's with short and intermediate ETF's as well as a 5% weighting in the high yield bond segment. The weightings for each asset are subject to a swing of + or - 5% at the discretion of the investment manager to give the manager latitude to respond to changes in the market environment and outlook. | | | 0.0674 |
| ModelxChange | Highland Capital Management, LLC | Highland International Balanced Strategy (ETFs) | 02/28/2026 12:00:00 AM | 5.9460 | 20.8564 | 12.8446 | 5.3882 | 5.9460 | 19.4816 | 3.8285 | 12.7344 | -15.4582 | 3.8201 | 8.07 | 10.8 | | | | 972 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL972 | 0.3000 | 0 | The goal of this risked based ETF Model strategy is to provide a balanced exposure to international equity and fixed income markets. The International strategy is a mix of 57.1% International Fixed Income and 42.9% International Equities ETFs. This strategy is appropiate for investors with a long-term horizon and recongnize the highter volatility profile of the international markets. | | | 0.4756 |
| ModelxChange | Highland Capital Management, LLC | Highland Tactical Income Strategy (ETFs) | 02/28/2026 12:00:00 AM | 4.5156 | 14.2201 | 10.6829 | 5.5909 | 4.5156 | 12.9299 | 6.6927 | 9.4401 | -11.7659 | 7.2906 | 7.2 | 9.21 | 0.78 | 0.26 | | 790 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL790 | 0.0000 | 0 | The model seeks to maximize income while maintaining prospects for capital appreciation through equity ETF exposure. The model invests in income oriented ETFs, including equity and debt securities, from both domestic and international markets. The Tactical Income model's goal is to capture income from many non-correlated markets with minimal concentration in any one particular area. The models will tactically shift capital based on sound risk/reward characteristics. Even the safest perceived fixed income investments pose potential risk in today's low interest rate environment. These investments may not provide enough yield and could incur losses if interest rates rise in a recovering economy. | | | 0.1486 |
| ModelxChange | Highland Capital Management, LLC | Highland Ultra Aggressive Strategy (ETFs) | 02/28/2026 12:00:00 AM | 5.0795 | 24.2115 | 18.1457 | 9.5595 | 5.0795 | 21.5413 | 12.4267 | 19.5195 | -17.9898 | 15.2934 | 10.61 | 13.89 | | | | 973 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL973 | 0.0000 | 0 | The goal of the Ultra Aggressive strategy is 100% capital appreciation by investing in Domestic and International equities, Real Estate, and Commodities ETFs. Ultra Aggressive strategy is a long-term capital appreciation model. The strategy consists of a weighting of 100% in domestic and international equities, real estate, and commodities ETFs. This strategy is appropriate for participants with a long-term time horizon who are willing to accept the volitility and risk of the equity markets. This strategy does not include fixed income which has historically produced less volatility compared to equity investments. | | | 0.0971 |
| ModelxChange | Highland Capital Management, LLC | Highland Ultra Conservative Strategy (ETFs) | 02/28/2026 12:00:00 AM | 0.6955 | 4.2019 | 4.5240 | 2.2297 | 0.6955 | 4.5478 | 4.1236 | 4.7315 | -2.3027 | -0.7732 | 1.14 | 1.53 | -0.33 | -0.83 | | 971 | Short-Term Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL971 | 0.0000 | 0 | The goal of this strategy is to limit loss of principal by utilizing 100% fixed income ETF exposure. This strategy is 100% weighted to fixed income to lower the volatility of returns. The fixed income component is well diversified between US Treasury, corporate, and mortgage backed securities underlying the various ETF's used. The strategy is weighted toward the short and intermediate portions of the yield curve. The vast majority of the fixed income exposure will focus on intermediate and short dated securities which have less duration risk. In a declining interest rate enviroment this strategy will underperform. Conversely, this strategy will attempt to protect capital in a rising interest rate environment. The weightings for each asset are subject to a swing of + or - 5% at the discretion of the investment manager to give the manager latitude to respond to changes in the market environment and outlook. | | | 0.1972 |
| ModelxChange | Highland Capital Management, LLC | Highland US Focused Equity Strategy (ETFs) | 02/28/2026 12:00:00 AM | 1.1787 | 15.5155 | 17.3910 | 10.8228 | 1.1787 | 15.6425 | 19.6956 | 20.7952 | -18.0964 | 24.7713 | 12.52 | 15.46 | 0.97 | 0.52 | | 1135 | Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1135 | 0.0000 | 0 | The objective of the strategy is capital appreciation through investment in risk assets. The strategy of the US Focused Equity model is capital appreciation by investing in US linked securities. Additionally, Highland Capital will overweight sectors based on fundamental/macro research conducted at Highland Capital. | | | 0.0773 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Conservation Plus | 02/28/2026 12:00:00 AM | 2.1279 | 7.6377 | 7.1706 | 2.0683 | 2.1279 | 7.8378 | 4.4106 | 7.8185 | -14.5285 | 3.9786 | 5.96 | 7.07 | 0.39 | -0.17 | | 51 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL51 | 0.5000 | 0 | This portfolio seeks current income over a market cycle. Suitable for investors with a low tolerance for fluctuation in principal and who seek some independence from maket volatility. This portfolio seeks an equity-debt ratio of 20% equity to 80% debt. However, there may be times where the ratios will be adjusted due to market conditions.
Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following the principles of Active Asset Allocation, we seek to overweight, underweight, and avoid trends in the global capital markets. In other words, we seek to capitalize on market leadership and to avoid market laggards. In contrast to traditional static models, our active asset allocation portfolio re-balances and re-allocates its portfolio based on the ever-changing market cycle. The Active Asset Allocation model builds on the academic foundation of traditional asset allocation but moves beyond the idea that diversification decisions can be based on historical long-term market averages. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.7374 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Conservative | 02/28/2026 12:00:00 AM | 2.5673 | 10.6212 | 9.5571 | 9.6373 | 2.5673 | 10.0525 | 6.5149 | 9.9696 | 11.7786 | 7.9299 | 6.87 | 16.32 | 0.67 | 0.42 | | 50 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL50 | 0.5000 | 0 | This portfolio seeks modest growth and income over market cycles. This diversified portfolio seeks to achieve its stated goal of capital preservation through holdings in both debt and equity vehicles. This portfolio seeks an equity-debt ratio of 40% equity to 60% debt. However, there may be times where the ratios will be adjusted due to market conditions.
Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following the principles of Active Asset Allocation, we seek to overweight, underweight, and avoid trends in the global capital markets. In other words, we seek to capitalize on market leadership and to avoid market laggards. In contrast to traditional static models, our active asset allocation portfolio re-balances and re-allocates its portfolio based on the ever-changing market cycle. The Active Asset Allocation model builds on the academic foundation of traditional asset allocation but moves beyond the idea that diversification decisions can be based on historical long-term market averages. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.7108 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Conservative-p | 02/28/2026 12:00:00 AM | 2.4827 | 10.6894 | | | 2.4827 | 10.2672 | 6.8188 | | | | | | | | | 6726 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6726 | 0.2500 | 0 | This portfolio seeks modest growth and income over market cycles. This diversified portfolio seeks to achieve its stated goal of capital preservation through holdings in both debt and equity vehicles. This portfolio seeks an equity-debt ratio of 40% equity to 60% debt. However, there may be times where the ratios will be adjusted due to market conditions.
Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following the principles of Active Asset Allocation, we seek to overweight, underweight, and avoid trends in the global capital markets. In other words, we seek to capitalize on market leadership and to avoid market laggards. In contrast to traditional static models, our active asset allocation portfolio re-balances and re-allocates its portfolio based on the ever-changing market cycle.
The Active Asset Allocation model builds on the academic foundation of traditional asset allocation but moves beyond the idea that diversification decisions can be based on historical long-term market averages. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.4608 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Focused | 02/28/2026 12:00:00 AM | 3.9833 | 20.1519 | 17.2466 | 9.5418 | 3.9833 | 16.9767 | 13.3314 | 17.2065 | -15.9187 | 21.0663 | 10.49 | 13.75 | 1.12 | 0.48 | | 46 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL46 | 0.5000 | 0 | This portfolio seeks capital appreciation in any market cycle. This diversified portfolio utilizes a variety of equity strategies for the aggressive investor. This portfolio seeks an equity-debt ratio of 100% equity to 0% debt. However, there may be times where the ratios will be adjusted due to market conditions. Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following the principles of Active Asset Allocation, we seek to overweight, underweight, and avoid trends in the global capital markets. In other words, we seek to capitalize on market leadership and to avoid market laggards. In contrast to traditional static models, our active asset allocation portfolio re-balances and re-allocates its portfolio based on the ever-changing market cycle.
The Active Asset Allocation model builds on the academic foundation of traditional asset allocation but moves beyond the idea that diversification decisions can be based on historical long-term market averages. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.6308 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Focused with Risk Assist | 02/28/2026 12:00:00 AM | 4.5496 | 18.1152 | 17.1231 | 8.8139 | 4.5496 | 15.4242 | 16.1745 | 15.2546 | -19.8640 | 21.4083 | 10.26 | 11.36 | 1.13 | 0.5 | | 52 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL52 | 0.6000 | 0 | This portfolio seeks capital appreciation in any market cycle and seeks to limit downside through an active risk control strategy in falling markets. This portfolio seeks an equity-debt ratio of 100% equity to 0% debt. However, there may be times where the ratios will be adjusted due to market conditions. Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following these principles, we may be overweighted, underweighted in a particular investment in an attempt to take advantage of trends in the global capital markets. Additionally, in Risk Assisted allocations, we employ an additional layer of Active Asset Allocation decisions which seeks to mitigate losses in down markets in exchange for reduced potential capital appreciation in some market cycles.
The Active Asset Allocation model builds on the academic foundation of traditional asset allocation, but moves beyond the idea that diversification decisions can be based on historical long-term market averages. Our Risk Assist strategy further builds on the idea that diversification alone may be an insufficient risk management technique in some markets. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.6715 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Focused with Risk Assist-p | 02/28/2026 12:00:00 AM | 4.1796 | 17.9596 | 17.1997 | 8.9502 | 4.1796 | 15.6913 | 16.2746 | 15.5460 | -19.7370 | 21.7335 | 10.26 | 11.36 | 1.14 | 0.51 | | 6727 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6727 | 0.2500 | 0 | This portfolio seeks capital appreciation in any market cycle and seeks to limit downside through an active risk control strategy in falling markets. This portfolio seeks an equity-debt ratio of 100% equity to 0% debt. However, there may be times where the ratios will be adjusted due to market conditions. Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following these principles, we may be overweighted, underweighted in a particular investment in an attempt to take advantage of trends in the global capital markets. Additionally, in Risk Assisted allocations, we employ an additional layer of Active Asset Allocation decisions which seeks to mitigate losses in down markets in exchange for reduced potential capital appreciation in some market cycles.
The Active Asset Allocation model builds on the academic foundation of traditional asset allocation, but moves beyond the idea that diversification decisions can be based on historical long-term market averages. Our Risk Assist strategy further builds on the idea that diversification alone may be an insufficient risk management technique in some markets. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.3223 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Growth | 02/28/2026 12:00:00 AM | 3.7015 | 17.7725 | 15.3894 | 8.1617 | 3.7015 | 15.2419 | 11.5775 | 15.5950 | -15.6273 | 17.6768 | 9.49 | 12.36 | 1.06 | 0.42 | | 47 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL47 | 0.5000 | 0 | This portfolio seeks growth over a market cycle. This diversified portfolio seeks to achieve its stated goal through overweighting market leaders during sustained periods of market growth. This portfolio seeks an equity-debt ratio of 85% equity to 15% debt. However, there may be times where the ratios will be adjusted due to market conditions. Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following the principles of Active Asset Allocation, we seek to overweight, underweight, and avoid trends in the global capital markets. In other words, we seek to capitalize on market leadership and to avoid market laggards. In contrast to traditional static models, our active asset allocation portfolio re-balances and re-allocates its portfolio based on the ever-changing market cycle.
The Active Asset Allocation model builds on the academic foundation of traditional asset allocation but moves beyond the idea that diversification decisions can be based on historical long-term market averages. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.6508 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Growth with Risk Assist | 02/28/2026 12:00:00 AM | 3.8278 | 15.8212 | 15.0765 | 8.2863 | 3.8278 | 14.0026 | 13.9534 | 13.3580 | -15.5963 | 18.0422 | 9.35 | 10 | 1.04 | 0.5 | | 53 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL53 | 0.6000 | 0 | This portfolio seeks growth over a market cycle and seeks to limit downside through an active risk control strategy in falling markets. This portfolio seeks an equity-debt ratio of 85% equity to 15% debt. However, there may be times where the ratios will be adjusted due to market conditions. Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following these principles, we may be overweighted, underweighted in a particular investment in an attempt to take advantage of trends in the global capital markets. Additionally, in Risk Assisted allocations, we employ an additional layer of Active Asset Allocation decisions which seeks to mitigate losses in down markets in exchange for reduced potential capital appreciation in some market cycles.
The Active Asset Allocation model builds on the academic foundation of traditional asset allocation, but moves beyond the idea that diversification decisions can be based on historical long-term market averages. Our Risk Assist strategy further builds on the idea that diversification alone may be an insufficient risk management technique in some markets. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.7011 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Growth with Risk Assist-p | 02/28/2026 12:00:00 AM | 3.8718 | 16.2177 | 15.5455 | 8.7095 | 3.8718 | 14.4219 | 14.3160 | 14.2144 | -15.3035 | 18.2017 | 9.28 | 9.96 | 1.09 | 0.54 | | 6728 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6728 | 0.2500 | 0 | This portfolio seeks growth over a market cycle and seeks to limit downside through an active risk control strategy in falling markets. This portfolio seeks an equity-debt ratio of 85% equity to 15% debt. However, there may be times where the ratios will be adjusted due to market conditions. Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following these principles, we may be overweighted, underweighted in a particular investment in an attempt to take advantage of trends in the global capital markets. Additionally, in Risk Assisted allocations, we employ an additional layer of Active Asset Allocation decisions which seeks to mitigate losses in down markets in exchange for reduced potential capital appreciation in some market cycles.
The Active Asset Allocation model builds on the academic foundation of traditional asset allocation, but moves beyond the idea that diversification decisions can be based on historical long-term market averages. Our Risk Assist strategy further builds on the idea that diversification alone may be an insufficient risk management technique in some markets. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.3511 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Growth-p | 02/28/2026 12:00:00 AM | 3.6600 | 17.8960 | 15.6536 | 8.5706 | 3.6600 | 15.4372 | 11.8451 | 15.9861 | -14.6831 | 17.7476 | 9.45 | 12.27 | 1.08 | 0.45 | | 6724 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6724 | 0.2500 | 0 | This portfolio seeks growth over a market cycle. This diversified portfolio seeks to achieve its stated goal through overweighting market leaders during sustained periods of market growth. This portfolio seeks an equity-debt ratio of 85% equity to 15% debt. However, there may be times where the ratios will be adjusted due to market conditions. Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following the principles of Active Asset Allocation, we seek to overweight, underweight, and avoid trends in the global capital markets. In other words, we seek to capitalize on market leadership and to avoid market laggards. In contrast to traditional static models, our active asset allocation portfolio re-balances and re-allocates its portfolio based on the ever-changing market cycle.
The Active Asset Allocation model builds on the academic foundation of traditional asset allocation but moves beyond the idea that diversification decisions can be based on historical long-term market averages. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.4008 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Moderate | 02/28/2026 12:00:00 AM | 3.2127 | 14.4972 | 12.7522 | 6.2505 | 3.2127 | 12.8134 | 9.3029 | 13.1270 | -15.2360 | 13.3095 | 8.26 | 10.52 | 0.92 | 0.3 | | 48 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL48 | 0.5000 | 0 | This portfolio seeks growth and income over a market cycle. This diversified portfolio seeks to achieve its goal through consistent holdings in both debt and equity vehicles. This portfolio seeks an equity-debt ratio of 65% equity to 35% debt. However, there may be times where the ratios will be adjusted due to market conditions.
Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following the principles of Active Asset Allocation, we seek to overweight, underweight, and avoid trends in the global capital markets. In other words, we seek to capitalize on market leadership and to avoid market laggards. In contrast to traditional static models, our active asset allocation portfolio re-balances and re-allocates its portfolio based on the ever-changing market cycle. The Active Asset Allocation model builds on the academic foundation of traditional asset allocation but moves beyond the idea that diversification decisions can be based on historical long-term market averages. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.6775 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Moderate with Risk Assist | 02/28/2026 12:00:00 AM | 3.3136 | 12.5460 | 12.3307 | 6.6945 | 3.3136 | 11.4440 | 11.1281 | 11.1009 | -13.1650 | 13.4070 | 8.07 | 8.34 | 0.89 | 0.4 | | 54 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL54 | 0.6000 | 0 | This portfolio seeks growth and income over a market cycle and seeks to limit downside through an active risk control strategy in falling markets. This portfolio seeks an equity-debt ratio of 65% equity to 35% debt. However, there may be times where the ratios will be adjusted due to market conditions. Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following these principles, we may be overweighted, underweighted in a particular investment in an attempt to take advantage of trends in the global capital markets. Additionally, in Risk Assisted allocations, we employ an additional layer of Active Asset Allocation decisions which seeks to mitigate losses in down markets in exchange for reduced potential capital appreciation in some market cycles. The Active Asset Allocation model builds on the academic foundation of traditional asset allocation, but moves beyond the idea that diversification decisions can be based on historical long-term market averages. Our Risk Assist strategy further builds on the idea that diversification alone may be an insufficient risk management technique in some markets. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.7394 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Moderate with Risk Assist-p | 02/28/2026 12:00:00 AM | 3.2950 | 12.7939 | 12.5999 | 6.8602 | 3.2950 | 11.7447 | 11.3334 | 11.4660 | -12.8864 | 13.0359 | 8.05 | 8.3 | 0.92 | 0.42 | | 6729 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6729 | 0.2500 | 0 | This portfolio seeks growth and income over a market cycle and seeks to limit downside through an active risk control strategy in falling markets. This portfolio seeks an equity-debt ratio of 65% equity to 35% debt. However, there may be times where the ratios will be adjusted due to market conditions. Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following these principles, we may be overweighted, underweighted in a particular investment in an attempt to take advantage of trends in the global capital markets. Additionally, in Risk Assisted allocations, we employ an additional layer of Active Asset Allocation decisions which seeks to mitigate losses in down markets in exchange for reduced potential capital appreciation in some market cycles.
The Active Asset Allocation model builds on the academic foundation of traditional asset allocation, but moves beyond the idea that diversification decisions can be based on historical long-term market averages. Our Risk Assist strategy further builds on the idea that diversification alone may be an insufficient risk management technique in some markets. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.3894 |
| ModelxChange | Horizon Investments, LLC | Horizon ETF Moderate-p | 02/28/2026 12:00:00 AM | 3.1395 | 14.6500 | 12.9814 | | 3.1395 | 13.1457 | 9.5750 | 13.3804 | -14.9949 | | 8.22 | | 0.95 | | | 6725 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6725 | 0.2500 | 0 | This portfolio seeks growth and income over a market cycle. This diversified portfolio seeks to achieve its goal through consistent holdings in both debt and equity vehicles. This portfolio seeks an equity-debt ratio of 65% equity to 35% debt. However, there may be times where the ratios will be adjusted due to market conditions.
Horizon intends to invest in a similar investment profile as represented in this review; however, there may be times where there is a material difference in the client experience based on the set of funds used due to the third party administrator and or custodian constraints. The foundation for our management technique is Active Asset Allocation. Following the principles of Active Asset Allocation, we seek to overweight, underweight, and avoid trends in the global capital markets. In other words, we seek to capitalize on market leadership and to avoid market laggards. In contrast to traditional static models, our active asset allocation portfolio re-balances and re-allocates its portfolio based on the ever-changing market cycle.
The Active Asset Allocation model builds on the academic foundation of traditional asset allocation but moves beyond the idea that diversification decisions can be based on historical long-term market averages. We believe that the markets are dynamic and our disciplined approach needs to be prepared to manage whatever environment we are facing. | | | 0.4275 |
| ModelxChange | Howard Capital Management, Inc. | HCM Aggressive Growth | 02/28/2026 12:00:00 AM | -0.4201 | 12.0890 | 18.0958 | 7.1959 | -0.4201 | 12.1166 | 24.9000 | 20.1524 | -23.6740 | 9.2241 | 12.39 | 13.97 | 1.02 | 0.32 | | 2195 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2195 | 0.3650 | 0 | This strategy typically seeks to participate in all markets and sectors by investing the portfolio in sectors HCM's PSR methodology indicates have potential to outperform, and protect assets during adverse market conditions through application of the HCM-BuyLine®. Holdings: Mutual Funds, Target Equity/Bond: 98/2 Multiple indicators are monitored to identify developing trends in the markets. The portfolio is rebalanced periodically, and it is possible for the allocation to be adjusted when the HCM-BuyLine® strategically indicates a strengthening or weakening in the equity markets. PSR (Proactive Sector Rotation - a tactical asset allocation methodology - attempts to identify the current, best performing sectors. | | | 0.4455 |
| ModelxChange | Howard Capital Management, Inc. | HCM Blended Aggressive Growth | 02/28/2026 12:00:00 AM | -1.0088 | 21.8232 | 22.2173 | 11.9713 | -1.0088 | 16.9186 | 28.2941 | 25.1222 | -30.5961 | 38.3131 | 16.76 | 18.36 | 1 | 0.52 | | 10146 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10146 | 0.0000 | 0 | HCM Guided Retirement is a Custom Model risk-based solution intended to help clients invest in their employer’s 401(k) or similar defined contribution plan. Client’s accounts receive investment management from HCM when invested in our Guided Retirement Solution. Participants not invested in the Guided Retirement Solution will remain in control over their own investments. HCM Blended Risk-Based Models typically seek to participate in all markets and sectors by investing the portfolio in sectors which HCM’s Proactive Section Rotation (PSR) methodology indicates to have the potential to meet performance objectives. PSR is a tactical asset allocation methodology, which attempts to identify the best performing sectors at a given point in time. The HCM Blended Risk-Based Models utilize the HCM-BuyLine® proprietary indicator to monitor market conditions and assist in determining whether or not assets should be invested in equity products or moved to cash, cash equivalents, or bond funds. Multiple indicators are monitored in an effort to identify such trends in the equity markets. These models are rebalanced periodically, and it is possible for the allocation to be adjusted, including when the HCM-BuyLine® indicates a strengthening or weakening of the equity markets. The net asset value per share of this HCM program will fluctuate as the value of the securities within the portfolio change. Because of this Howard Capital Management, Inc. (HCM) models are actively managed, and may experience above-average turnover, which could have a negative impact on account performance. Naturally, there can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. Stoploss protection will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price. | | | 1.7250 |
| ModelxChange | Howard Capital Management, Inc. | HCM Blended Balanced Growth | 02/28/2026 12:00:00 AM | -0.9070 | 20.6480 | 20.5229 | 10.1799 | -0.9070 | 16.6558 | 24.9137 | 22.9051 | -28.2355 | 29.3725 | 15.03 | 16.32 | 1 | 0.46 | | 10148 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10148 | 0.0000 | 0 | HCM Guided Retirement is a Custom Model risk-based solution intended to help clients invest in their employer’s 401(k) or similar defined contribution plan. Client’s accounts receive investment management from HCM when invested in our Guided Retirement Solution. Participants not invested in the Guided Retirement Solution will remain in control over their own investments. HCM Blended Risk-Based Models typically seek to participate in all markets and sectors by investing the portfolio in sectors which HCM’s Proactive Section Rotation (PSR) methodology indicates to have the potential to meet performance objectives. PSR is a tactical asset allocation methodology, which attempts to identify the best performing sectors at a given point in time. The HCM Blended Risk-Based Models utilize the HCM-BuyLine® proprietary indicator to monitor market conditions and assist in determining whether or not assets should be invested in equity products or moved to cash, cash equivalents, or bond funds. Multiple indicators are monitored in an effort to identify such trends in the equity markets. These models are rebalanced periodically, and it is possible for the allocation to be adjusted, including when the HCM-BuyLine® indicates a strengthening or weakening of the equity markets. The net asset value per share of this HCM program will fluctuate as the value of the securities within the portfolio change. Because of this Howard Capital Management, Inc. (HCM) models are actively managed, and may experience above-average turnover, which could have a negative impact on account performance. Naturally, there can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. Stoploss protection will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price. | | | 1.6073 |
| ModelxChange | Howard Capital Management, Inc. | HCM Blended Conservative Growth | 02/28/2026 12:00:00 AM | -0.8301 | 19.6830 | 19.5511 | 9.0001 | -0.8301 | 16.2478 | 23.1909 | 21.6771 | -26.7875 | 23.5161 | 14.02 | 15.11 | 1.01 | 0.42 | | 10149 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10149 | 0.0000 | 0 | HCM Guided Retirement is a Custom Model risk-based solution intended to help clients invest in their employer’s 401(k) or similar defined contribution plan. Client’s accounts receive investment management from HCM when invested in our Guided Retirement Solution. Participants not invested in the Guided Retirement Solution will remain in control over their own investments. HCM Blended Risk-Based Models typically seek to participate in all markets and sectors by investing the portfolio in sectors which HCM’s Proactive Section Rotation (PSR) methodology indicates to have the potential to meet performance objectives. PSR is a tactical asset allocation methodology, which attempts to identify the best performing sectors at a given point in time. The HCM Blended Risk-Based Models utilize the HCM-BuyLine® proprietary indicator to monitor market conditions and assist in determining whether or not assets should be invested in equity products or moved to cash, cash equivalents, or bond funds. Multiple indicators are monitored in an effort to identify such trends in the equity markets. These models are rebalanced periodically, and it is possible for the allocation to be adjusted, including when the HCM-BuyLine® indicates a strengthening or weakening of the equity markets. The net asset value per share of this HCM program will fluctuate as the value of the securities within the portfolio change. Because of this Howard Capital Management, Inc. (HCM) models are actively managed, and may experience above-average turnover, which could have a negative impact on account performance. Naturally, there can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. Stoploss protection will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price.
| | | 1.5400 |
| ModelxChange | Howard Capital Management, Inc. | HCM Blended Growth | 02/28/2026 12:00:00 AM | -0.8141 | 21.1257 | 21.0613 | 10.9540 | -0.8141 | 16.7120 | 26.0296 | 23.4326 | -28.9515 | 33.3006 | 15.7 | 17.12 | 1 | 0.49 | | 10147 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10147 | 0.0000 | 0 | HCM Guided Retirement is a Custom Model risk-based solution intended to help clients invest in their employer’s 401(k) or similar defined contribution plan. Client’s accounts receive investment management from HCM when invested in our Guided Retirement Solution. Participants not invested in the Guided Retirement Solution will remain in control over their own investments. HCM Blended Risk-Based Models typically seek to participate in all markets and sectors by investing the portfolio in sectors which HCM’s Proactive Section Rotation (PSR) methodology indicates to have the potential to meet performance objectives. PSR is a tactical asset allocation methodology, which attempts to identify the best performing sectors at a given point in time. The HCM Blended Risk-Based Models utilize the HCM-BuyLine® proprietary indicator to monitor market conditions and assist in determining whether or not assets should be invested in equity products or moved to cash, cash equivalents, or bond funds. Multiple indicators are monitored in an effort to identify such trends in the equity markets. These models are rebalanced periodically, and it is possible for the allocation to be adjusted, including when the HCM-BuyLine® indicates a strengthening or weakening of the equity markets. The net asset value per share of this HCM program will fluctuate as the value of the securities within the portfolio change. Because of this Howard Capital Management, Inc. (HCM) models are actively managed, and may experience above-average turnover, which could have a negative impact on account performance. Naturally, there can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. Stoploss protection will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price. | | | 1.6575 |
| ModelxChange | Howard Capital Management, Inc. | HCM Conservative | 02/28/2026 12:00:00 AM | 3.0607 | 16.1056 | 15.3307 | 6.7694 | 3.0607 | 13.2857 | 18.2433 | 11.2051 | -13.5764 | 7.4674 | 10.29 | 10.28 | 0.98 | 0.35 | | 2189 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2189 | 0.3650 | 0 | This strategy typically seeks to participate in all markets and sectors by investing the portfolio in sectors HCM's PSR methodology indicates have potential to outperform, and protect assets during adverse market conditions through application of the HCM-BuyLine®. Holdings: Mutual Funds, Target Equity/Bond: 2/98 Multiple indicators are monitored to identify developing trends in the markets. The portfolio is rebalanced periodically, and it is possible for the allocation to be adjusted when the HCM-BuyLine® strategically indicates a strengthening or weakening in the equity markets. PSR (Proactive Sector Rotation - a tactical asset allocation methodology - attempts to identify the current, best performing sectors. | | | 0.4946 |
| ModelxChange | Howard Capital Management, Inc. | HCM Conservative Growth | 02/28/2026 12:00:00 AM | 2.4110 | 14.8157 | 15.6484 | 7.3469 | 2.4110 | 12.5671 | 19.7435 | 12.5556 | -16.2087 | 11.3403 | 10.69 | 10.91 | 0.97 | 0.39 | | 2190 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2190 | 0.3650 | 0 | This strategy typically seeks to participate in all markets and sectors by investing the portfolio in sectors HCM's PSR methodology indicates have potential to outperform, and protect assets during adverse market conditions through application of the HCM-BuyLine®. Holdings: Mutual Funds, Target Equity/Bond: 30/70 Multiple indicators are monitored to identify developing trends in the markets. The portfolio is rebalanced periodically, and it is possible for the allocation to be adjusted when the HCM-BuyLine® strategically indicates a strengthening or weakening in the equity markets. PSR (Proactive Sector Rotation - a tactical asset allocation methodology - attempts to identify the current, best performing sectors. | | | 0.4813 |
| ModelxChange | Howard Capital Management, Inc. | HCM Growth | 02/28/2026 12:00:00 AM | 0.4736 | 12.2654 | 17.7487 | 7.4473 | 0.4736 | 11.7656 | 23.8610 | 18.8739 | -20.2770 | 9.3353 | 11.95 | 12.77 | 1.03 | 0.35 | | 2194 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2194 | 0.3650 | 0 | By applying the proprietary HCM Buy-Line®, this strategy seeks capital preservation during times of market distress. The HCM-BuyLine® is a strategic proprietary indicator used to assist in determining when and how much to invest in equities. Through a technical approach, the broad trend in the equity market is identified. When the trend is down, exposure to equities is reduced, and, when the trend is up, exposure to equities is increased. When out of the market, the investment will be in cash and cash equivalents. HCM actively manages this strategy by using a systematic, non-emotional methodology. Trend analysis is used to decide when to move away from securities and into cash and cash equivalents. During positive market trends, equity portion of this strategy seeks to participate in all domestic markets and sectors. Multiple indicators are monitored to identify developing trends in the markets. The bond portion of this strategy typically seeks to participate in domestic markets and sectors (but may on occasion trade global funds) using a strategy that rotates among short-, medium-, and long-term bonds; high-yield bonds; corporate bonds; and treasuries. The portfolio is rebalanced periodically, and it is possible for the allocation to be adjusted when the HCM-BuyLine® indicates a strengthening or weakening in the equity markets. | | | 0.4375 |
| ModelxChange | Howard Capital Management, Inc. | HCM Moderate Growth | 02/28/2026 12:00:00 AM | 1.9031 | 13.8233 | 16.4110 | 7.1920 | 1.9031 | 11.9829 | 20.8560 | 15.3431 | -18.2707 | 10.2805 | 11.08 | 11.67 | 1 | 0.36 | | 2193 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2193 | 0.3650 | 0 | This strategy typically seeks to participate in all markets and sectors by investing the portfolio in sectors HCM's PSR methodology indicates have potential to outperform, and protect assets during adverse market conditions through application of the HCM-BuyLine®. Holdings: Mutual Funds, Target Equity/Bond: 50/50 Multiple indicators are monitored to identify developing trends in the markets. The portfolio is rebalanced periodically, and it is possible for the allocation to be adjusted when the HCM-BuyLine® strategically indicates a strengthening or weakening in the equity markets. PSR (Proactive Sector Rotation - a tactical asset allocation methodology - attempts to identify the current, best performing sectors. | | | 0.4678 |
| ModelxChange | Integrated Capital Management | Balanced ETF Strategy | | | | | | | | | | | | | | | | | 42 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL42 | 0.2000 | 0 | 4. The Balanced ETF Strategy is an actively managed 50% equity, 50% fixed income strategy. iCM uses proprietary research techniques, specifically quantitative models to make over and underweight decisions from a global opportunity set of equities, fixed income and real assets. These decisions can include, but are not limited to, valuations by market cap, style, geography, credit qualities and curve positioning. Inception date: 1/1/2005. At iCM, we manage our portfolios utilizing a Global Tactical Asset Allocation strategy. While most advocate for a buy-and-hold asset allocation strategy, we believe that this is a flawed approach. Rather, we believe that current valuations play an important role in relative future returns among various asset classes.
Through our approach we feel that we can add value over the investment cycle by tactically allocating our portfolios to areas of undervaluation in the market, while moving away from those asset classes that we feel are expensive. We are intent on understanding what markets imply by their current valuations, since markets tend to extrapolate recent events in a linear fashion to an unsustainable conclusion. We attempt to benefit from inflection points where the market is either overly optimistic or overly pessimistic. As a result, our portfolios are broadly diversified, but favor a series of assets likely to benefit from mean reversion. | | | 0.3951 |
| ModelxChange | Integrated Capital Management | Defensive Growth ETF | | | | | | | | | | | | | | | | | 41 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL41 | 0.2000 | 0 | 3. The Defensive Growth ETF Strategy is an actively managed 35% equity, 65% fixed income strategy. iCM uses proprietary research techniques, specifically quantitative models to make over and underweight decisions from a global opportunity set of equities, fixed income and real assets. These decisions can include, but are not limited to, valuations by market cap, style, geography, credit qualities and curve positioning. 1/1/2005. At iCM, we manage our portfolios utilizing a Global Tactical Asset Allocation strategy. While most advocate for a buy-and-hold asset allocation strategy, we believe that this is a flawed approach. Rather, we believe that current valuations play an important role in relative future returns among various asset classes.
Through our approach we feel that we can add value over the investment cycle by tactically allocating our portfolios to areas of undervaluation in the market, while moving away from those asset classes that we feel are expensive. We are intent on understanding what markets imply by their current valuations, since markets tend to extrapolate recent events in a linear fashion to an unsustainable conclusion. We attempt to benefit from inflection points where the market is either overly optimistic or overly pessimistic. As a result, our portfolios are broadly diversified, but favor a series of assets likely to benefit from mean reversion. | | | 0.3686 |
| ModelxChange | Integrated Capital Management | Fixed Income Completion ETF | | | | | | | | | | | | | | | | | 2591 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2591 | 0.2000 | 0 | 1. The Fixed Income Completion ETF Strategy is an actively managed 100% fixed income strategy. iCM uses proprietary research techniques, specifically quantitative models to make over and underweight decisions from a global opportunity set of fixed income assets. These decisions can include, but aren't limited to, valuations by issuer, geography, credit qualities and curve positioning. Inception date: 4/1/2009. At iCM, we manage our portfolios utilizing a Global Tactical Asset Allocation strategy. While most advocate for a buy-and-hold asset allocation strategy, we believe that this is a flawed approach. Rather, we believe that current valuations play an important role in relative future returns among various asset classes.
Through our approach we feel that we can add value over the investment cycle by tactically allocating our portfolios to areas of undervaluation in the market, while moving away from those asset classes that we feel are expensive. We are intent on understanding what markets imply by their current valuations, since markets tend to extrapolate recent events in a linear fashion to an unsustainable conclusion. We attempt to benefit from inflection points where the market is either overly optimistic or overly pessimistic. As a result, our portfolios are broadly diversified, but favor a series of assets likely to benefit from mean reversion. | | | 0.3608 |
| ModelxChange | Integrated Capital Management | Income & Inflation Hedge ETF | | | | | | | | | | | | | | | | | 40 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL40 | 0.2000 | 0 | 2. The Income & Inflation Hedge ETF Strategy is an actively managed 20% equity, 80% fixed income strategy. iCM uses proprietary research techniques, specifically quantitative models to make over and underweight decisions from a global opportunity set of equities, fixed income and real assets. These decisions can include, but are not limited to, valuations by market cap, style, geography, credit qualities and curve positioning. Inception date: 1/1/2005. At iCM, we manage our portfolios utilizing a Global Tactical Asset Allocation strategy. While most advocate for a buy-and-hold asset allocation strategy, we believe that this is a flawed approach. Rather, we believe that current valuations play an important role in relative future returns among various asset classes.
Through our approach we feel that we can add value over the investment cycle by tactically allocating our portfolios to areas of undervaluation in the market, while moving away from those asset classes that we feel are expensive. We are intent on understanding what markets imply by their current valuations, since markets tend to extrapolate recent events in a linear fashion to an unsustainable conclusion. We attempt to benefit from inflection points where the market is either overly optimistic or overly pessimistic. As a result, our portfolios are broadly diversified, but favor a series of assets likely to benefit from mean reversion. | | | 0.3651 |
| ModelxChange | Integrated Capital Management | Moderate Capital Appreciation ETF | | | | | | | | | | | | | | | | | 44 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL44 | 0.2000 | 0 | 6. The Moderate Capital Appreciation ETF Strategy is an actively managed 80% equity, 20% fixed income strategy. iCM uses proprietary research techniques, specifically quantitative models to make over and underweight decisions from a global opportunity set of equities, fixed income and real assets. These decisions can include, but are not limited to, valuations by market cap, style, geography, credit qualities and curve positioning. Inception date: 1/1/2005. At iCM, we manage our portfolios utilizing a Global Tactical Asset Allocation strategy. While most advocate for a buy-and-hold asset allocation strategy, we believe that this is a flawed approach. Rather, we believe that current valuations play an important role in relative future returns among various asset classes.
Through our approach we feel that we can add value over the investment cycle by tactically allocating our portfolios to areas of undervaluation in the market, while moving away from those asset classes that we feel are expensive. We are intent on understanding what markets imply by their current valuations, since markets tend to extrapolate recent events in a linear fashion to an unsustainable conclusion. We attempt to benefit from inflection points where the market is either overly optimistic or overly pessimistic. As a result, our portfolios are broadly diversified, but favor a series of assets likely to benefit from mean reversion. | | | 0.4154 |
| ModelxChange | Integrated Capital Management | Risk Controlled Growth ETF | | | | | | | | | | | | | | | | | 43 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL43 | 0.2000 | 0 | 5. The Risk Controlled Growth ETF Strategy is an actively managed 60% equity, 40% fixed income strategy. iCM uses proprietary research techniques, specifically quantitative models to make over and underweight decisions from a global opportunity set of equities, fixed income and real assets. These decisions can include, but are not limited to, valuations by market cap, style, geography, credit qualities and curve positioning. Inception date: 1/1/2005. At iCM, we manage our portfolios utilizing a Global Tactical Asset Allocation strategy. While most advocate for a buy-and-hold asset allocation strategy, we believe that this is a flawed approach. Rather, we believe that current valuations play an important role in relative future returns among various asset classes.
Through our approach we feel that we can add value over the investment cycle by tactically allocating our portfolios to areas of undervaluation in the market, while moving away from those asset classes that we feel are expensive. We are intent on understanding what markets imply by their current valuations, since markets tend to extrapolate recent events in a linear fashion to an unsustainable conclusion. We attempt to benefit from inflection points where the market is either overly optimistic or overly pessimistic. As a result, our portfolios are broadly diversified, but favor a series of assets likely to benefit from mean reversion. | | | 0.4022 |
| ModelxChange | Intelligence Driven Advisers, LLC | FUTUREADY 3% TARGETED RETURN (CAPITAL PRESERVATION) | 02/28/2026 12:00:00 AM | 1.8402 | 9.7230 | 8.6339 | 4.1351 | 1.8402 | 10.4369 | 6.3784 | 8.1449 | -10.4266 | 4.8145 | 4.38 | 6.2 | 0.82 | 0.12 | | 3958 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3958 | 0.0000 | 0 | Capital Preservation Global Diversification | | | 0.2208 |
| ModelxChange | Intelligence Driven Advisers, LLC | FUTUREADY 4% TARGETED RETURN (CONSERVATIVE) | 02/28/2026 12:00:00 AM | 2.5014 | 13.1340 | 11.1886 | 5.4730 | 2.5014 | 13.0516 | 8.8589 | 10.3846 | -13.4346 | 8.3693 | 5.93 | 8.36 | 1.01 | 0.26 | | 3959 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3959 | 0.0000 | 0 | Conservative Global Diversification | | | 0.2278 |
| ModelxChange | Intelligence Driven Advisers, LLC | FUTUREADY 5% TARGETED RETURN (MODERATE) | 02/28/2026 12:00:00 AM | 3.3595 | 15.9913 | 13.3286 | 6.9768 | 3.3595 | 14.6918 | 11.3278 | 12.1049 | -14.4037 | 11.6466 | 7.64 | 10.05 | 1.05 | 0.38 | | 3960 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3960 | 0.0000 | 0 | Moderate Global Diversification | | | 0.2266 |
| ModelxChange | Intelligence Driven Advisers, LLC | FUTUREADY 7% TARGETED RETURN (GROWTH) | 02/28/2026 12:00:00 AM | 2.8257 | 17.6952 | 15.4160 | 8.7016 | 2.8257 | 16.7163 | 14.3849 | 14.4117 | -14.6051 | 15.1022 | 9.24 | 11.96 | 1.08 | 0.47 | | 3961 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3961 | 0.0000 | 0 | Growth Global Diversification | | | 0.2085 |
| ModelxChange | Intelligence Driven Advisers, LLC | FUTUREADY 9% TARGETED RETURN (AGGRESSIVE GROWTH) | 02/28/2026 12:00:00 AM | 3.1492 | 20.8941 | 17.7964 | 10.2266 | 3.1492 | 18.5426 | 17.5625 | 16.6083 | -15.5785 | 17.9860 | 11.09 | 13.92 | 1.11 | 0.52 | | 3962 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3962 | 0.0000 | 0 | Aggressive Global Diversification | | | 0.2187 |
| ModelxChange | Investors Asset Management of Georgia | Investors CHOICE Balanced Portfolio | 02/28/2026 12:00:00 AM | 3.4695 | 12.8784 | 12.6209 | 8.3711 | 3.4695 | 10.4595 | 13.0779 | 14.2255 | -8.9762 | 14.5138 | 8.45 | 10.01 | 0.89 | 0.51 | | 2108 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2108 | 0.3500 | 0 | This portfolio, the Qualified Default Investment Alternative (QDIA) for 401(k) plans, strives to have 60% invested in stock funds and 40% invested in bond funds and/or cash. The Investors CHOICE model portfolio program is a managed account service that allows clients to select one of 6 portfolios that align with their individual risk tolerance. The Investors CHOICE Balanced Portfolio, our Qualified Default Investment Alternative (QDIA) in retirement plans, is more than half allocated to stocks. This should result in higher returns with somewhat greater volatility than the most conservative of our portfolios and is appropriate for investors with more than a 5 year time horizon. | | | 0.4358 |
| ModelxChange | Investors Asset Management of Georgia | Investors CHOICE Cash Balance Portfolio | 02/28/2026 12:00:00 AM | 2.7876 | 9.6804 | 9.7141 | | 2.7876 | 8.1921 | 8.8605 | 12.1853 | | | 5.96 | | 0.78 | | | 11119 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL11119 | 0.3500 | 0 | This portfolio has a target allocation of approximately 60% bond/cash allocation and 40% equities. The portfolio strives to maintain consistent, modest returns with low volatility to accomplish stable long term results desired by most cash balance plans. The Investors CHOICE Cash Balance Portfolio has a 60% bond/cash allocation and 40% equity allocation targets. Cash Balance Plans require stable returns with as low volatility as possible. This portfolio can be more active in reallocating between bonds, stocks and cash to balance the stable return objective with low volatility and risk depending on various factors such as interest rate outlook and expected stock market volatility. | | | 0.4455 |
| ModelxChange | Investors Asset Management of Georgia | Investors CHOICE Conservative Portfolio | 02/28/2026 12:00:00 AM | 2.1325 | 7.5580 | 7.0891 | 3.8095 | 2.1325 | 7.1826 | 5.4923 | 8.0163 | -6.5635 | 3.2570 | 3.92 | 4.46 | 0.54 | 0.08 | | 2106 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2106 | 0.3500 | 0 | This portfolio seeks modest, consistent returns with lower volatility through a large allocation to bonds and/or cash. The Investors CHOICE model portfolio program is a managed account service that allows clients to select one of 6 portfolios that align with their individual risk tolerance. The Investors CHOICE Conservative Portfolio is diversified into major low cost index funds and Exchange Traded Funds (ETF's) and seeks lower volatility through a large allocation to bond and cash investments. The small allocation to stocks allows for modest growth but may result in a degree of principal volatility at times. This portfolio is appropriate for investors with a 3 to 5 year time horizon who are most comfortable with lower risk. | | | 0.4663 |
| ModelxChange | Investors Asset Management of Georgia | Investors CHOICE Growth Portfolio | 02/28/2026 12:00:00 AM | 4.7073 | 17.6511 | 17.2186 | 11.8916 | 4.7073 | 12.7273 | 20.3174 | 19.4140 | -12.0072 | 24.3425 | 13.1 | 15.67 | 0.92 | 0.58 | | 2110 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2110 | 0.3500 | 0 | This portfolio seeks high long term capital growth through a diversified equity portfolio. The Investors CHOICE model portfolio program is a managed account service that allows clients to select one of 6 portfolios that align with their individual risk tolerance. The Investors CHOICE Growth Portfolio is a true growth portfolio that normally has a complete allocation to the equity market. The portfolio is diversified into major low cost equity index funds and Exchange Traded Funds (ETF's). It is appropriate for investors with a longer term horizon who can accept a higher degree of volatility to achieve maximum growth. This fund also allows the manager flexibility in times of extreme market turmoil (such as 2009) to become defensive for short periods by moving some of the assets into cash or bond index funds. | | | 0.4025 |
| ModelxChange | Investors Asset Management of Georgia | Investors CHOICE Moderate Growth Portfolio | 02/28/2026 12:00:00 AM | 4.0814 | 15.1244 | 14.7419 | 9.3002 | 4.0814 | 11.6312 | 16.2683 | 16.4275 | -13.4840 | 17.8415 | 10.44 | 12.59 | 0.91 | 0.49 | | 2109 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2109 | 0.3500 | 0 | This portfolio seeks long term capital growth with an increasing allocation to stocks compared to the Conservative or Balanced Portfolio. The portfolio normally will have a 80% allocation diversified in the equity market, with a 20% allocation to bonds and/or cash to temper risk. The Investors CHOICE model portfolio program is a managed account service that allows clients to select one of 6 portfolios that align with their individual risk tolerance. The Investors CHOICE Moderate Growth Portfolio seeks long term growth through a larger stock allocation with a smaller position in bonds to temper risk. Because of the higher concentration in stocks, the portfolio will experience a higher degree of risk/return and is best for more aggressive investors who have a 7 to 10 year time horizon or longer. | | | 0.4150 |
| ModelxChange | Investors Asset Management of Georgia | Investors CHOICE Moderately Conservative Portfolio | 02/28/2026 12:00:00 AM | 2.7753 | 9.7394 | 9.4124 | 4.7388 | 2.7753 | 8.2773 | 8.9267 | 11.0110 | -12.1659 | 7.4824 | 5.76 | 7.08 | 0.76 | 0.2 | | 2107 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2107 | 0.3500 | 0 | This portfolio strives to maintain an approximate 60% bond/cash allocation and 40% equities. This is slightly more aggressive than the conservative portfolio which should result in somewhat higher returns with slightly higher volatility. The Investors CHOICE model portfolio program is a managed account service that allows clients to select one of 6 portfolios that align with their individual risk tolerance. The Investors CHOICE Moderately Conservative Portfolio is diversified into major low cost index funds and Exchange Traded Funds (ETF's) and has a slightly higher allocation to stocks than the Conservative Portfolio but still has a majority position in bond or cash type investments. It has a modestly higher return potential than the Conservative Portfolio with slightly more risk. This portfolio is appropriate for investors with a 3 to 5 year time horizon who are most comfortable with lower risk. | | | 0.4455 |
| ModelxChange | Ironshore Financial, LLC | Ironshore Aggressive Allocation 90:10 | 02/28/2026 12:00:00 AM | 7.8348 | 26.1977 | 17.8067 | 10.4490 | 7.8348 | 21.0418 | 11.8454 | 14.7611 | -12.2567 | 14.7526 | 9.69 | 11.74 | 1.25 | 0.61 | | 3496 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3496 | 0.2000 | 0 | The Ironshore Aggressive Allocation 90:10 portfolio seeks to provide high level of long-term capital appreciation without regard to generation of current income. The portfolio is expected to expose investors to a high level of risk that is commensurate with its asset allocation. The portfolio’s target allocation is 90% equity and 10% fixed income. Ironshore employs a valuation-based asset allocation strategy, which represents a core/satellite approach to the portfolio asset allocation decision. The “core” establishes target, “neutral” allocations to broad asset categories and sub-categories. These neutral allocations are strategic in nature, designed to support a long-term investment horizon over complete market cycles. The “satellite” component incorporates tolerance ranges to accommodate variation to the neutral allocations for tactical adjustments in response to short-term economic and market expectations. Similar to the core/satellite approach to asset allocation, Ironshore uses passively managed securities to build a core foundation to the portfolio. Actively managed investments are used to supplement index returns in asset classes or market environments where manager skill and active risk are deemed to provide opportunity for enhanced performance. | | | 0.4350 |
| ModelxChange | Ironshore Financial, LLC | Ironshore Balanced Allocation 50:50 | 02/28/2026 12:00:00 AM | 6.1680 | 19.5033 | 13.4420 | 7.5121 | 6.1680 | 16.4664 | 7.9853 | 11.2217 | -9.4398 | 7.7940 | 7.28 | 8.47 | 1.12 | 0.49 | | 3500 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3500 | 0.2000 | 0 | The Ironshore Balanced Allocation 50:50 portfolio seeks to provide growth of capital and current income with an asset mix equally distributed between stocks and bonds. The portfolio’s target allocation is 50% equity and 50% fixed income. Ironshore employs a valuation-based asset allocation strategy, which represents a core/satellite approach to the portfolio asset allocation decision. The “core” establishes target, “neutral” allocations to broad asset categories and sub-categories. These neutral allocations are strategic in nature, designed to support a long-term investment horizon over complete market cycles. The “satellite” component incorporates tolerance ranges to accommodate variation to the neutral allocations for tactical adjustments in response to short-term economic and market expectations. Similar to the core/satellite approach to asset allocation, Ironshore uses passively managed securities to build a core foundation to the portfolio. Actively managed investments are used to supplement index returns in asset classes or market environments where manager skill and active risk are deemed to provide opportunity for enhanced performance. | | | 0.4651 |
| ModelxChange | Ironshore Financial, LLC | Ironshore Conservative Allocation 30:70 | 02/28/2026 12:00:00 AM | 5.1395 | 16.6121 | 11.2458 | 5.7408 | 5.1395 | 14.5242 | 6.0130 | 9.2765 | -8.9450 | 3.9423 | 6.05 | 6.87 | 1 | 0.34 | | 3502 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3502 | 0.2000 | 0 | The Ironshore Conservative Allocation 30:70 strategy is a predominantly fixed income portfolio that seeks to provide a minimum level of capital appreciation opportunity through investment in domestic and foreign equities. The portfolio’s target allocation is 30% equity and 70% fixed income. Ironshore employs a valuation-based asset allocation strategy, which represents a core/satellite approach to the portfolio asset allocation decision. The “core” establishes target, “neutral” allocations to broad asset categories and sub-categories. These neutral allocations are strategic in nature, designed to support a long-term investment horizon over complete market cycles. The “satellite” component incorporates tolerance ranges to accommodate variation to the neutral allocations for tactical adjustments in response to short-term economic and market expectations. Similar to the core/satellite approach to asset allocation, Ironshore uses passively managed securities to build a core foundation to the portfolio. Actively managed investments are used to supplement index returns in asset classes or market environments where manager skill and active risk are deemed to provide opportunity for enhanced performance. | | | 0.4819 |
| ModelxChange | Ironshore Financial, LLC | Ironshore Focused Growth 80:20 | 02/28/2026 12:00:00 AM | 7.3902 | 24.4933 | 16.5469 | 9.6138 | 7.3902 | 19.8964 | 10.7159 | 13.5552 | -11.4490 | 12.8163 | 9.09 | 10.91 | 1.21 | 0.58 | | 3497 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3497 | 0.2000 | 0 | The Ironshore Focused Growth 80:20 portfolio seeks growth of capital over a long-term investment horizon while tempering volatility with a meaningful allocation to fixed income. The portfolio’s target allocation is 80% equity and 20% fixed income. Ironshore employs a valuation-based asset allocation strategy, which represents a core/satellite approach to the portfolio asset allocation decision. The “core” establishes target, “neutral” allocations to broad asset categories and sub-categories. These neutral allocations are strategic in nature, designed to support a long-term investment horizon over complete market cycles. The “satellite” component incorporates tolerance ranges to accommodate variation to the neutral allocations for tactical adjustments in response to short-term economic and market expectations. Similar to the core/satellite approach to asset allocation, Ironshore uses passively managed securities to build a core foundation to the portfolio. Actively managed investments are used to supplement index returns in asset classes or market environments where manager skill and active risk are deemed to provide opportunity for enhanced performance. | | | 0.4439 |
| ModelxChange | Ironshore Financial, LLC | Ironshore Focused Income 40:60 | 02/28/2026 12:00:00 AM | 5.5682 | 18.0336 | 12.2592 | 6.5025 | 5.5682 | 15.4406 | 7.0636 | 10.0409 | -9.3708 | 5.5744 | 6.55 | 7.59 | 1.07 | 0.41 | | 3501 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3501 | 0.2000 | 0 | The Ironshore Focused Income 40:60 portfolio seeks to provide some opportunity for capital appreciation but greater emphasis is place on current income and reducing overall portfolio volatility. The portfolio’s target allocation is 40% equity and 60% fixed income. Ironshore employs a valuation-based asset allocation strategy, which represents a core/satellite approach to the portfolio asset allocation decision. The “core” establishes target, “neutral” allocations to broad asset categories and sub-categories. These neutral allocations are strategic in nature, designed to support a long-term investment horizon over complete market cycles. The “satellite” component incorporates tolerance ranges to accommodate variation to the neutral allocations for tactical adjustments in response to short-term economic and market expectations. Similar to the core/satellite approach to asset allocation, Ironshore uses passively managed securities to build a core foundation to the portfolio. Actively managed investments are used to supplement index returns in asset classes or market environments where manager skill and active risk are deemed to provide opportunity for enhanced performance. | | | 0.4729 |
| ModelxChange | Ironshore Financial, LLC | Ironshore Growth & Income 70:30 | 02/28/2026 12:00:00 AM | 7.0791 | 23.2091 | 15.6892 | 8.9957 | 7.0791 | 19.0338 | 9.8629 | 12.8871 | -11.0756 | 11.4172 | 8.52 | 10.18 | 1.2 | 0.56 | | 3498 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3498 | 0.2000 | 0 | The Ironshore Growth & Income 70:30 portfolio seeks to provide a diversified mix of equity and fixed income investments that will generate current income while seeking growth of capital over a long-term investment horizon. The portfolio’s target allocation is 70% equity and 30% fixed income. Ironshore employs a valuation-based asset allocation strategy, which represents a core/satellite approach to the portfolio asset allocation decision. The “core” establishes target, “neutral” allocations to broad asset categories and sub-categories. These neutral allocations are strategic in nature, designed to support a long-term investment horizon over complete market cycles. The “satellite” component incorporates tolerance ranges to accommodate variation to the neutral allocations for tactical adjustments in response to short-term economic and market expectations. Similar to the core/satellite approach to asset allocation, Ironshore uses passively managed securities to build a core foundation to the portfolio. Actively managed investments are used to supplement index returns in asset classes or market environments where manager skill and active risk are deemed to provide opportunity for enhanced performance. | | | 0.4511 |
| ModelxChange | Ironshore Financial, LLC | Ironshore Moderate Allocation 60:40 | 02/28/2026 12:00:00 AM | 6.7072 | 21.9885 | 14.8562 | 8.5558 | 6.7072 | 18.3256 | 8.9474 | 12.2521 | -9.7014 | 9.5456 | 7.96 | 9.32 | 1.18 | 0.56 | | 3499 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3499 | 0.2000 | 0 | The Ironshore Moderate Allocation 60:40 portfolio seeks to provide a moderate level of capital appreciation and current income through a diversified mix of assets that are sufficiently uncorrelated to protect the investor from significant market downfall. The portfolio’s target allocation is 60% equity and 40% fixed income. Ironshore employs a valuation-based asset allocation strategy, which represents a core/satellite approach to the portfolio asset allocation decision. The “core” establishes target, “neutral” allocations to broad asset categories and sub-categories. These neutral allocations are strategic in nature, designed to support a long-term investment horizon over complete market cycles. The “satellite” component incorporates tolerance ranges to accommodate variation to the neutral allocations for tactical adjustments in response to short-term economic and market expectations. Similar to the core/satellite approach to asset allocation, Ironshore uses passively managed securities to build a core foundation to the portfolio. Actively managed investments are used to supplement index returns in asset classes or market environments where manager skill and active risk are deemed to provide opportunity for enhanced performance. | | | 0.4574 |
| ModelxChange | iSectors, LLC | iSectors Capital Preservation Allocation | 02/28/2026 12:00:00 AM | 0.8165 | 5.0296 | 5.2595 | 2.5660 | 0.8165 | 5.5270 | 4.9990 | 5.1002 | -2.7801 | -0.7185 | 1.33 | 1.82 | 0.25 | -0.51 | | 176 | Short-Term Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL176 | 0.3000 | 0 | The iSectors® Capital Preservation Allocation model has been constructed for investors with a desire for principal stability over a 2-3 year period by creating a portfolio of investments with relatively low volatility. Nominal portfolio yield is a secondary goal of the model. The iSectors Capital Preservation model is intended for investors with short-to-intermediate time horizons. However, performance would be best evaluated over a complete market cycle. The model holds fixed income Exchange-Traded Funds (ETFs), primarily those that invest in short-duration, investment-grade debt instruments. A smaller portion of the assets may be placed in ETFs holding short-term international or high yield instruments within the context of limiting duration to approximately 3 (or less) while maintaining an overall investment grade rating for the entire portfolio. iSectors Capital Preservation model remains 100% allocated to short and intermediate-term fixed income allocations at all times. Diversification does not ensure a profit nor prevent against loss in a declining market.
While stability of principal is the primary goal of this portfolio, the secondary objective is to provide current income higher than money market funds or short-term CDs. An investment in the iSectors Capital Preservation Allocation model, as with all iSectors models, is not guaranteed and will fluctuate in value.
| | | 0.4478 |
| ModelxChange | iSectors, LLC | iSectors CryptoBlock Allocation | 02/28/2026 12:00:00 AM | -19.6839 | -16.3625 | 25.2543 | -2.4820 | -19.6839 | -7.3277 | 71.8526 | 91.3563 | -59.8184 | | 40.12 | 44.39 | | | | 12282 | Digital Assets | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12282 | 0.5000 | 0 | The objective of the iSectors® CryptoBlock Allocation is to provide investors access to the digital economy’s groundbreaking technological advancements brought about by Bitcoin and blockchain technology. The iSectors CryptoBlock Allocation is a uniquely-positioned portfolio designed to give advisors and their clients the opportunity to take advantage of the continuous and rapid adoption of Bitcoin and the underlying evolution of the technology that makes them possible: blockchain technology. | | | 0.9000 |
| ModelxChange | iSectors, LLC | iSectors Domestic Equity Allocation | 02/28/2026 12:00:00 AM | 4.2343 | 12.6408 | 12.7441 | 9.5711 | 4.2343 | 10.9088 | 12.6594 | 11.6247 | -10.7551 | 23.4280 | 10.47 | 13.41 | 0.74 | 0.49 | | 1442 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1442 | 0.4000 | 0 | The objective of iSectors® Domestic Equity Allocation is to provide investors with long-term growth of capital. The portfolio is comprised exclusively of U.S. equity securities. The diversification methodology for the allocation is based upon traditional Modern Portfolio theory through capitalization and style-weighted (Large Cap Growth, Small-Cap Value, etc.) approach, allocating nearly 100% of the portfolio to low-cost, equity index based exchange-traded funds (ETFs). The majority of the portfolio is invested in large-capitalization issues. The portfolio is appropriate for investors with an aggressive risk utility and a long-term time horizon. | | | 0.6757 |
| ModelxChange | iSectors, LLC | iSectors Domestic Fixed Income Allocation | 02/28/2026 12:00:00 AM | 0.7865 | 5.5963 | 5.7687 | 2.5700 | 0.7865 | 6.5290 | 5.0976 | 5.2903 | -4.9271 | 0.2922 | 2.15 | 2.99 | 0.38 | -0.3 | | 2569 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2569 | 0.3000 | 0 | The iSectors® Domestic Fixed Income Allocation is a strategic portfolio that seeks to provide investors with current income.
The Domestic Fixed Income Allocation invests exclusively in U.S. fixed income securities through a selection of investment grade and high yield corporate securities. Two percent of the portfolio is allocated to money market instruments to provide liquidity and facilitate transactions. The model is intended for investors with a conservative risk utility or for a conservative portion of a broader asset allocation. The Domestic Fixed Income Allocation seek to benefit from exchange traded fund’s low investment expenses, transparency, liquidity and diversification compared to most actively-managed mutual funds.
| | | 0.4448 |
| ModelxChange | iSectors, LLC | iSectors Enhanced Aggressive Allocation | 02/28/2026 12:00:00 AM | 6.1143 | 18.3469 | 15.0551 | 10.5372 | 6.1143 | 15.1255 | 12.9315 | 10.6738 | -9.9625 | 19.9825 | 10.33 | 13.29 | 0.95 | 0.56 | | 4076 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4076 | 0.4000 | 0 | The objective of the iSectors Enhanced Aggressive Allocation is to provide long term growth of capital with market levels of downside risk. This allocation blends 80% to a fundamental equity strategy focused on owning stocks of large multinational companies that have increased their dividends every year for many consecutive years with a 20% satellite allocation to iSectors exclusive Post-MPT dynamic strategy. This dynamic satellite strategy reoptimizes its portfolio allocation each month based on an objective quantitative algorithm that considers monthly changes in 15 economic and capital market factors. | | | 0.7027 |
| ModelxChange | iSectors, LLC | iSectors Enhanced Balanced Allocation | 02/28/2026 12:00:00 AM | 4.7771 | 15.2022 | 12.1837 | 7.6776 | 4.7771 | 12.9321 | 10.1753 | 8.1410 | -7.6275 | 10.4192 | 6.74 | 8.87 | 1.03 | 0.49 | | 4078 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4078 | 0.4000 | 0 | The objective of the iSectors Enhanced Balanced Allocation is to provide long term growth of capital and modest income with moderate downside risk. This allocation blends 40% to a sophisticated short-term laddered bond strategy and 40% to a fundamental equity strategy focused on owning stocks of large multinational companies that have increased their dividends every year for many consecutive years with a 20% satellite allocation to iSectors exclusive Post-MPT dynamic strategy. This dynamic satellite strategy reoptimizes its portfolio allocation each month based on an objective quantitative algorithm that considers monthly changes in 15 economic and capital market factors. The portfolio is intended for investors with a moderate risk utility and an intermediate time horizon. This advanced multifaceted allocation model, though sophisticated and complex, is developed using low cost, highly liquid and transparent index-based ETFs and maintained monthly by iSectors expert investment professionals. | | | 0.6492 |
| ModelxChange | iSectors, LLC | iSectors Enhanced Conservative Allocation | 02/28/2026 12:00:00 AM | 4.0131 | 13.0302 | 10.5652 | 6.0868 | 4.0131 | 11.4262 | 8.6055 | 6.9860 | -6.6237 | 5.6943 | 5.15 | 6.8 | 1.05 | 0.39 | | 4079 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4079 | 0.4000 | 0 | The objective of the iSectors Enhanced Conservative Allocation is to provide income and moderate long-term growth with limited downside risk. This allocation blends 60% to a sophisticated short-term laddered bond strategy and 20% to a fundamental equity strategy focused on owning stocks of large multinational companies that have increased their dividends every year for many consecutive years with a 20% satellite allocation to iSectors exclusive Post-MPT dynamic strategy. This dynamic satellite strategy reoptimizes its portfolio allocation each month based on an objective quantitative algorithm that considers monthly changes in 15 economic and capital market factors. The portfolio is intended for investors with a conservative risk utility and an intermediate time horizon. This advanced multifaceted allocation model, though sophisticated and complex, is developed using low cost, highly liquid and transparent index-based ETFs and maintained monthly by iSectors expert investment professionals. | | | 0.6226 |
| ModelxChange | iSectors, LLC | iSectors Enhanced Growth Allocation | 02/28/2026 12:00:00 AM | 5.3787 | 16.3579 | 13.3645 | 8.8884 | 5.3787 | 13.6392 | 11.4178 | 9.2852 | -9.1250 | 15.1490 | 8.48 | 11.04 | 0.96 | 0.51 | | 4077 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4077 | 0.4000 | 0 | The objective of the iSectors Enhanced Growth Allocation is to provide long term growth of capital and limited income. This allocation blends 20% to a sophisticated short-term laddered bond strategy and 60% to a fundamental equity strategy focused on owning stocks of large multinational companies that have increased their dividends every year for many consecutive years with a 20% satellite allocation to iSectors exclusive Post-MPT dynamic strategy. This dynamic satellite strategy reoptimizes its portfolio allocation each month based on an objective quantitative algorithm that considers monthly changes in 15 economic and capital market factors | | | 0.6759 |
| ModelxChange | iSectors, LLC | iSectors Enhanced Income Allocation | 02/28/2026 12:00:00 AM | 2.9473 | 11.6861 | 9.0049 | 4.5009 | 2.9473 | 11.0260 | 6.7892 | 5.5699 | -5.5559 | 0.8554 | 3.47 | 4.92 | 1.12 | 0.21 | | 4080 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4080 | 0.4000 | 0 | The objective of the iSectors Enhanced Income Allocation is to provide capital preservation along with income in excess of money market funds. This allocation blends 80% to a sophisticated short-term laddered bond strategy with a 20% satellite allocation to iSectors exclusive Post-MPT dynamic strategy. This dynamic satellite strategy reoptimizes its portfolio allocation each month based on an objective quantitative algorithm that considers monthly changes in 15 economic and capital market factors. The portfolio is intended for investors mostly concerned about volatility of principle with better than money market interest rates and a relatively short investment time horizon. This advanced multifaceted allocation model, though sophisticated and complex, is developed using low cost, highly liquid and transparent index-based ETFs and maintained monthly by iSectors expert investment professionals. | | | 0.5958 |
| ModelxChange | iSectors, LLC | iSectors Future Growth Allocation | 02/28/2026 12:00:00 AM | -3.4723 | 26.8111 | 37.2236 | | -3.4723 | 29.9076 | 30.7529 | 89.3490 | -66.8156 | | 27.93 | | 1.11 | | | 10269 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL10269 | 0.5000 | 0 | The objective of iSectors® Future Growth Allocation is designed to provide investors access to the future digital economy’s groundbreaking technological advancements. The portfolio is intended for investors with an aggressive risk utility and a long-term time horizon. The iSectors® Future Growth Allocation is a diversified portfolio of growth stocks that are on the cutting edge of the technological revolution brought about by the changing digital economy. The combined individual stock holdings of the underlying ETFs total about 200 publicly traded companies, diversified across many sectors. | | | 0.9996 |
| ModelxChange | iSectors, LLC | iSectors Inflation Protection Allocation | 02/28/2026 12:00:00 AM | 14.5894 | 43.6252 | 18.4578 | 11.7775 | 14.5894 | 31.4333 | 7.9399 | 1.6055 | -1.9821 | 8.8644 | 9.15 | 9.91 | | | | 190 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL190 | 0.5000 | 0 | For an investment portfolio to maintain purchasing power, the investments within that portfolio must earn a rate of return that, net of taxes, at a minimum, keep pace with the rate of inflation.
The core philosophy of the iSectors Inflation Protection Allocation model is a diversified optimally allocated portfolio that offers investors the potential to hedge the risks of inflation. The model portfolio is designed to grow rapidly in a high inflationary environment.
The iSectors Inflation Protection Allocation model offers investors diversification among approximately 15 primarily index-based securities. The portfolio’s rapid growth, during periods of high inflation, is intended to mitigate the loss of purchasing power suffered by other investments that investors may own in their portfolio. The iSectors Inflation Protection Allocation is a strategic model that intends to hold a diversified portfolio of securities that historically have been resistant to inflationary pressures. Securities holdings within the model may include precious metals, including gold & silver, real estate, commodities, including timber and agricultural & energy, strategic/rare earth minerals, and inflation-protected bonds.
iSectors Inflation Protection Allocation model invests in only registered, publicly-traded securities. Whenever possible, iSectors will seek to utilize exchange-traded funds (ETFs) when seeking an allocation to a particular broad-based index or asset class. Open and/or closed-end mutual funds or exchange-traded notes will/may be used when a suitable ETF is not available. The universes of asset classes that have historically shown positive performance during inflationary economic environments are considered for inclusion in this model. Those asset classes may include, but are not limited to, equities, inflation-protected fixed income securities, foreign currencies, various real assets, precious metals and/or commodities. Because the inflationary threat is partially based upon the potential for U.S. dollar devaluation, foreign currency and/or international equity and fixed income investments are part of the investment universe for this model.
The iSectors Inflation Protection Allocation model, for the most part, uses a passive asset management approach and is intended to be utilized as a strategic buy-and-hold asset allocation model. The objective is to provide better risk-adjusted returns, through better asset allocation, than can be derived from active management or by only allocating assets among traditional asset classes such as stocks and bonds. | | | 0.7337 |
| ModelxChange | iSectors, LLC | iSectors Liquid Alternatives Allocation | 02/28/2026 12:00:00 AM | 9.2030 | 25.3985 | 15.1117 | 7.6159 | 9.2030 | 17.4975 | 11.9880 | 7.7619 | -9.6440 | 5.1323 | 7 | 8.44 | | | | 189 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL189 | 0.5000 | 0 | The model seeks to capitalize upon market inefficiencies in alternative investments to provide a better return and reduce volatility and portfolio drawdown when compared to a representative index of alternative investment strategies, (measured by the HFRX Global Hedge Fund Index) over a complete market cycle.
The iSectors Liquid Alternatives model is not designed to be used as a stand-alone portfolio (as some of the other iSectors models have been), but rather to be utilized by investors as their alternatives allocation within an overall portfolio strategy.
By their nature, alternative investments are typically longer-term vehicles. Thus, this model has been designed for investors with long-term investment horizons.
This model embraces the philosophy pursued by the managers of endowment portfolios at institutions like Yale and Harvard, by allocating to alternative investments such as hedge funds, private equity and real assets. While this portfolio is not designed to mirror those asset allocations to the fullest extent, this model allocates nearly the entire portfolio to alternative investments.
The iSectors Liquid Alternatives Allocation Model has been constructed to provide investors with a portfolio of liquid alternative investments, which we define as registered, publicly-traded securities to any asset class outside of traditional investments such as stocks and bonds. iSectors breaks these down into three broad categories: private equity, hedge strategies, and real assets.
Liquid alternative investments are simply alternative investments structured as registered securities. They are still alternative investments. That is, they are hedge funds, private equity and real assets with profits primarily derived from inefficient markets, superior investment experience, and/or knowledge. Alternative investment registered security examples would be: exchange-traded funds, and open and/or closed-end mutual funds. They are not private partnerships and they do maintain daily or intraday liquidity, daily pricing, simple tax reporting, etc. | | | 1.1762 |
| ModelxChange | iSectors, LLC | iSectors Post-MPT Growth Allocation | 02/28/2026 12:00:00 AM | 14.1765 | 40.9777 | 24.1445 | 13.1745 | 14.1765 | 29.8583 | 14.9893 | 7.4034 | -9.3132 | 4.8251 | 11.47 | 14.62 | 1.54 | 0.69 | | 1443 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1443 | 0.5000 | 0 | The objective of iSectors® Post-MPT Growth Allocation is to achieve investment returns that outperform the S&P500 stock market index with lower downside risk over a complete market cycle. The portfolio manager objectively allocates and rebalances the portfolio among nine specific, low-correlated asset classes. The mathematical process is guided by a series of economic and capital market factors. Portfolios may be invested up to 40% at any one time into any single asset class, with the exception of government bonds, to which the model may allocate up to 67%. The iSectors® Post-MPT Growth Allocation may utilize leveraged ETFs up to a maximum of 33%. However, because iSectors® does not use borrowed money in its strategy, the service is available for retirement and non-profit accounts. | | | 0.8998 |
| ModelxChange | iSectors, LLC | iSectors Post-MPT Moderate Allocation | 02/28/2026 12:00:00 AM | 10.8998 | 34.9678 | 20.4571 | 12.5453 | 10.8998 | 26.3308 | 19.0627 | 3.4522 | -8.3469 | 8.8944 | 9.43 | 12.22 | 1.53 | 0.75 | | 346 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL346 | 0.5000 | 0 | The iSectors® Post-MPT Moderate Allocation seeks investment returns that outperform a 60-40 stock-bond index (as measured by 60% S&P 500 stock market index + 40% Barclays Aggregate Bond Index) with lower downside risk over a complete market cycle. The portfolio manager objectively allocates and rebalances the portfolio among up to 9 specific, low-correlated asset classes. The mathematical process is guided by a series of economic and capital market factors. Portfolios may be invested up to 30% at any one time into any single asset class, with the exception of government bonds, to which the model may allocate up to 50%. The iSectors Post-MPT Moderate Allocation does not use borrowed money in its strategy and remains 100% invested at all times (subject to a 2% cash allocation for liquidity purposes). The portfolio is strategically optimized and updated according to updated economic and capital market factors on a monthly basis. | | | 0.6396 |
| ModelxChange | iSectors, LLC | iSectors Precious Metals Allocation | 02/28/2026 12:00:00 AM | 23.3574 | 121.7934 | 44.3724 | 21.0774 | 23.3574 | 94.1051 | 15.8787 | 0.8981 | 0.2730 | -9.5569 | 18.84 | 18.85 | | | | 179 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL179 | 0.5000 | 0 | iSectors® Precious Metals Allocation objective is to provide a strategic model designed to offer investors a convenient, cost-effective approach to invest in a liquid, diversified portfolio of precious metals. The Allocation invests in the shares of exchange traded funds that are backed by physical bullion.. This allocation model invests in exchange-traded funds (ETFs) that hold portfolios of gold, silver, platinum or palladium bullion. The iSectors Precious Metals Allocation provides for ease of purchase, cost savings, and liquidity when compared to directly acquiring and holding physical precious metals bullion.
Gold and other precious metals tend to have a place in most investment portfolios for many different reasons, including: global industrial demand, risks of inflation, currency devaluation, and global political instability. Precious metals are considered an inflation hedge, but have also done well in periods of low interest rates and in periods of recession/depression. In recent years, increased federal deficits and rising government debt have heightened economic uncertainty, intensifying the appeal of precious metals among U.S. investors. Growing industrial and investment demand coming from China and India have also been suggested as reasons for increasing prices for precious metals.
Investment in precious metals has sometimes been avoided by investors, largely due to complexities such as time, effort, and costs associated with purchase, transportation, storage, insurance and security. By using ETFs, precious metals bullion can be owned in a simple, cost-effective fashion while providing daily liquidity, pricing and transparency with respect to the holdings. | | | 0.7660 |
| ModelxChange | ITS Asset Management, L.P. | ITS Dynamic Conservative | | | | | | | | | | | | | | | | | 1492 | Moderately Conservative Allocation | | 0.4500 | 0 | Seeks total return commensurate with a lower level of aggregate equity risk relative to other ITS dynamic allocation strategies. Active management is driven primarily by equity stage shifting and style rotation.
The strategy features a monthly trade capability, with equity and fixed income allocations determined by investment Stage. Stage 1 represents the lowest equity allocation at 15%, while Stage 3 contains the highest equity exposure at 50%. Therefore, the maximum overall range for the portfolio is 50% equity and 85% fixed income.
For equity, all domestic and foreign style-oriented categories may be utilized. For fixed income, all fund categories are investable. Inverse and leveraged funds are excluded. The strategy has a +/-3% rebalance tolerance per position based upon model allocations. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Dynamic Growth | | | | | | | | | | | | | | | | | 1494 | Moderately Aggressive Allocation | | 0.4500 | 0 | Seeks total return commensurate with a higher level of aggregate equity risk relative to other ITS dynamic allocation strategies. Active management is driven primarily by equity stage shifting and style rotation.
The strategy features a monthly trade capability, with equity and fixed income allocations determined by investment Stage. Stage 1 represents the lowest equity allocation at 50%, while Stage 3 contains the highest equity exposure at 85%. Therefore, the maximum overall range for the portfolio is 85% equity and 50% fixed income.
For equity, all domestic and foreign style-oriented categories may be utilized. For fixed income, all fund categories are investable. Inverse and leveraged funds are excluded. The strategy has a +/-3% rebalance tolerance per position based upon model allocations. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Dynamic Moderate | | | | | | | | | | | | | | | | | 1493 | Moderate Allocation | | 0.4500 | 0 | Seeks total return commensurate with a moderate level of aggregate equity risk relative to other ITS dynamic allocation strategies. Active management is driven primarily by equity stage shifting and style rotation.
The strategy features a monthly trade capability, with equity and fixed income allocations determined by investment Stage. Stage 1 represents the lowest equity allocation at 35%, while Stage 3 contains the highest equity exposure at 65%. Therefore, the maximum overall range for the portfolio is 65% equity and 65% fixed income.
For equity, all domestic and foreign style-oriented categories may be utilized. For fixed income, all fund categories are investable. Inverse and leveraged funds are excluded. The strategy has a +/-3% rebalance tolerance per position based upon model allocations. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Global Premier | | | | | | | | | | | | | | | | | 1490 | Tactical Allocation | | 0.4500 | 0 | Seeks a high level of total return emphasizing capital appreciation through a flexible global multi-asset allocation approach. Active management is driven primarily by macro market trends and geo-thematic factors.
The strategy features a monthly trade capability, with investments structured in tiers. Tier 1 contains the highest allocations, while Tier 3 contains the lowest. Overall the portfolio may range between 100% equity and 100% fixed income.
For both equity and fixed income allocations, all fund categories are investable with the exception of leveraged funds, which are excluded. The strategy has a +/-3% rebalance tolerance per position based upon model allocations. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Global Unconstrained | | | | | | | | | | | | | | | | | 2428 | Tactical Allocation | | 0.4500 | 0 | Description to be added at a later date. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Managed Portfolio Series Level 1 | | | | | | | | | | | | | | | | | 1495 | Moderately Conservative Allocation | | 0.4500 | 0 | MPS Level 1 was designed for investors who are focused on capital preservation, but want more diversification and return potential than a portfolio comprised 100% of fixed income investments can provide. ITS Managed Portfolio Series Level 1 empahsizes capital preservation, but seeks greater diversification and return potential than a 100% fixed income portfolio. While overall asset allocation remains static at 15% equity and 85% fixed income, sector rotation, fund selection, and monthly trading allow investment exposure to be adjusted within a defined universe of sectors according to ITS's view of prevailing market conditions. Positions are maintained in six different investment sectors at all times with various weightings. The equity allocation is comprised of two sector positions with weights of 10% and 5%. The fixed income allocation is comprised of four sector positions with weights of 35%, 25%, 15%, and 10%. ITS MPS portfolios have the ability to trade monthly, and at minimum are rebalanced quarterly. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Managed Portfolio Series Level 2 | | | | | | | | | | | | | | | | | 1496 | Moderate Allocation | | 0.4500 | 0 | MPS Level 2 was designed for investors who need some capital preservation, but want more growth potential than a more conservative portfolio can generally provide. ITS Managed Portfolio Series Level 2 emphasizes capital preservation to a degree, but seeks greater growth potential than a portfolio comprised of less equity can generally provide. While overall asset allocation remains static at 35% equity and 65% fixed income, sector rotation, fund selection, and monthly trading allow investment exposure to be adjusted within a defined universe of sectors according to ITS's view of prevailing market conditions. Positions are maintained in six different investment sectors at all times with various weightings. The equity allocation is comprised of three sector positions with weights of 15%, 12%, and 8%. The fixed income allocation is comprised of three sector positions with weights of 30%, 20%, and 15%. ITS MPS portfolios have the ability to trade monthly, and at minimum are rebalanced quarterly. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Managed Portfolio Series Level 3 | | | | | | | | | | | | | | | | | 1497 | Moderate Allocation | | 0.4500 | 0 | MPS Level 3 was designed for investors who value the need for risk management, and their desire for investment reward, relatively equally. ITS Managed Portfolio Series Level 3 seeks to maintain a relative balance between risk mitigation and investment growth. While overall asset allocation remains static at 50% equity and 50% fixed income, sector rotation, fund selection, and monthly trading allow investment exposure to be adjusted within a defined universe of sectors according to ITS's view of prevailing market conditions. Positions are maintained in six different investment sectors at all times with various weightings. The equity and fixed income allocations are each comprised of three sector positions with weights of 25%, 15%, and 10%. ITS MPS portfolios have the ability to trade monthly, and at minimum are rebalanced quarterly. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Managed Portfolio Series Level 4 | | | | | | | | | | | | | | | | | 1498 | Moderate Allocation | | 0.4500 | 0 | MPS Level 4 was designed for investors who are more focused on capital appreciation, but still want to mitigate stock market risk through diversification in bonds and other fixed income investments. ITS Managed Portfolio Series Level 4 places greater emphasis on capital appreication, but still seeks to mitigate some of the risk associated with equities through diversification in bonds and other fixed income investments. While overall asset allocation remains static at 65% equity and 35% fixed income, sector rotation, fund selection, and monthly trading allow investment exposure to be adjusted within a defined universe of sectors according to ITS's view of prevailing market conditions. Positions are maintained in six different investment sectors at all times with various weightings. The equity allocation is comprised of three sector positions with weights of 30%, 20%, and 15%. The fixed income allocation is comprised of three sector positions with weights of 15%, 12%, and 8%. ITS MPS portfolios have the ability to trade monthly, and at minimum are rebalanced quarterly. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Managed Portfolio Series Level 5 | | | | | | | | | | | | | | | | | 1499 | Moderately Aggressive Allocation | | 0.4500 | 0 | MPS Level 5 was designed for investors who are primarily focused on capital appreciation, but want to maintain an element of diversification in their portfolio. ITS Managed Portfolio Series Level 5 emphasizes capital appreciation while maintaining an element of fixed income diversification. While overall asset allocation remains static at 85% equity and 15% fixed income, sector rotation, fund selection, and monthly trading allow investment exposure to be adjusted within a defined universe of sectors according to ITS's view of prevailing market conditions. Positions are maintained in six different investment sectors at all times with various weightings. The equity allocation is comprised of four sector positions with weights of 35%, 25%, 15%, and 10%. The fixed income allocation is comprised of two sector positions with weights of 10%, and 5%. ITS MPS portfolios have the ability to trade monthly, and at minimum are rebalanced quarterly. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Tactical CTA | | | | | | | | | | | | | | | | | 2284 | Tactical Allocation | | 0.4500 | 0 | The ITS Tactical CTA strategy seeks capital appreciation by investing opportunistically in both equity and fixed income. Active management of the strategy is driven primarily by macro market indicators, which are used to generate offensive, defensive, or balanced allocation signals. Overall, allocations may range from 100% equity to 100% fixed income. | | | 0.4500 |
| ModelxChange | ITS Asset Management, L.P. | ITS Tactical Equity | | | | | | | | | | | | | | | | | 2427 | Tactical Allocation | | 0.4500 | 0 | Description to be added at a later date. | | | 0.4500 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - Active - 2 - IWMG | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8887 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8887 | 0.5000 | 0 | Active model that has a target allocation that is in line with the Income with Moderate Growth Model. Allocations can vary widely due to manager. | 0.0290 | | 1.1879 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - Active - 3 - GWI | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8888 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8888 | 0.5000 | 0 | Active model that has a target allocation that is in line with the Growth with Income Model. Allocations can vary widely due to manager. | 0.0500 | | 1.2996 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - Active - 4 - G | | | | | | | | | | | | | | | | | 8889 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8889 | 0.5000 | 0 | Active model that has a target allocation that is in line with the Growth Model. Allocations can vary widely due to manager. | | | 0.5700 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - Active - 5 - AG | 02/28/2026 12:00:00 AM | 20.0086 | 39.3016 | 11.5795 | 1.5072 | 20.0086 | 6.7922 | 14.2395 | -10.9954 | -13.3358 | | 20.16 | 17.29 | 0.4 | -0.03 | | 8890 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8890 | 0.5000 | 0 | Active model that has a target allocation that is in line with the Aggressive Growth Model. Allocations can vary widely due to manager. | | | 0.9129 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - Active- 1 - ICP | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8886 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8886 | 0.5000 | 0 | Active model that has a target allocation that is in line with the Income with Capital Preservation Model. Allocations can vary widely due to manager. | 0.0165 | | 1.1229 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - Passive - 1 - ICP | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8881 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8881 | 0.2500 | 0 | Passive model that has a target allocation that is in line with the Income with Capital Preservation Model | | | 0.3524 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - Passive - 2 - IWMG | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8882 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8882 | 0.2500 | 0 | Passive model that has a target allocation that is in line with the Income with Moderate Growth Model | | | 0.3587 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - Passive - 3 - GWI | | | | | | | | | | | | | | | | | 8883 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8883 | 0.2500 | 0 | Passive model that has a target allocation that is in line with the Growth with Income Model | | | 0.3526 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - Passive - 4 - G | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8884 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8884 | 0.2500 | 0 | Passive model that has a target allocation that is in line with the Growth Model | | | 0.3630 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - Passive - 5 - AG | | | | | | | | | | | | | | | | | 8885 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8885 | 0.2500 | 0 | Passive model that has a target allocation that is in line with the Aggressive Growth Model | | | 0.3574 |
| ModelxChange | JADIM Wealth Management | JDM Wealth - QDIA - IWMG Allocation | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8880 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8880 | 0.2500 | 0 | QDIA Model with target model allocation for Income with Moderate Growth | | | 0.3587 |
| ModelxChange | Johnson Bank | All Equity (100% Equities) | 02/28/2026 12:00:00 AM | 3.2542 | 19.2853 | 18.0665 | 9.4318 | 3.2542 | 18.5850 | 16.2927 | 20.1750 | -19.8897 | 19.2751 | 10.42 | 14.1 | 1.19 | 0.46 | | 11544 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL11544 | 0.2000 | 0 | Seeks to provide growth of capital by investing in equities. The Growth Portfolio is best suited for investors with a long-term (ten or more years) time horizon. This strategy may also be suitable for intermediate-term investors (five to ten years) willing to assume higher levels of risk. As a firm, Johnson Financial Group (JFG) believes a comprehensive asset allocation can produce better risk adjusted returns. We utilize analytics software to run mean variance optimizations to identify various risk and return scenarios, seeking an optimized asset allocation strategy. Our forward-looking capital market (risk and return) assumptions form the basis of our asset allocation analysis.
One of the key components that we use to form asset allocation decisions are long term capital market (asset class) assumptions. We review our capital market assumptions at the beginning of each year. We examine a number of different methodologies, historical and forward-looking, to gain as much information about the near- and long-term direction of asset class returns, as well as the volatility and correlation of these returns. Using multiple methods also provides insight into whether we are at or near a transition point in a market cycle. We understand that the more a forward-looking assumption departs from the historical averages, the more likely it is that a transition is under way or about to take place. To be clear, this modeling technique is not a precise science. Rather, it is an effort to understand how the current valuation and risk profile of asset classes differ from the long-term historical experience.
The research of underlying mutual funds and exchange traded funds (ETFs) incorporates both quantitative and qualitative analysis. The goal of the quantitative screen is to eliminate sub-par managers, allowing the research team to focus on investment managers that have delivered consistent returns over time. Our research professionals spend a significant amount of time on qualitative analysis. Throughout the qualitative analysis, the research team focuses on four key areas of investment managers: Firm/Product, People, Process, and Performance. | | 0.0152 | 0.5817 |
| ModelxChange | Johnson Bank | All Fixed Income (100% Fixed Income) | 02/28/2026 12:00:00 AM | 1.8644 | 6.5257 | 5.5765 | 1.5586 | 1.8644 | 6.8792 | 2.8192 | 5.9488 | -8.9784 | -0.6387 | 4.06 | 4.71 | 0.17 | -0.39 | | 11539 | Intermediate Core Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL11539 | 0.2000 | 0 | Seeks to primarily provide current income while secondarily seeking to conserve capital by investing in fixed income securities and cash equivalents. The Income Only Portfolio is suitable for investors with a short-term (one to four years) to intermediate-term (fixe to ten years) time horizon. As a firm, Johnson Financial Group (JFG) believes a comprehensive asset allocation can produce better risk adjusted returns. We utilize analytics software to run mean variance optimizations to identify various risk and return scenarios, seeking an optimized asset allocation strategy. Our forward-looking capital market (risk and return) assumptions form the basis of our asset allocation analysis.
One of the key components that we use to form asset allocation decisions are long term capital market (asset class) assumptions. We review our capital market assumptions at the beginning of each year. We examine a number of different methodologies, historical and forward-looking, to gain as much information about the near- and long-term direction of asset class returns, as well as the volatility and correlation of these returns. Using multiple methods also provides insight into whether we are at or near a transition point in a market cycle. We understand that the more a forward-looking assumption departs from the historical averages, the more likely it is that a transition is under way or about to take place. To be clear, this modeling technique is not a precise science. Rather, it is an effort to understand how the current valuation and risk profile of asset classes differ from the long-term historical experience.
The research of underlying mutual funds and exchange traded funds (ETFs) incorporates both quantitative and qualitative analysis. The goal of the quantitative screen is to eliminate sub-par managers, allowing the research team to focus on investment managers that have delivered consistent returns over time. Our research professionals spend a significant amount of time on qualitative analysis. Throughout the qualitative analysis, the research team focuses on four key areas of investment managers: Firm/Product, People, Process, and Performance. | | 0.0075 | 0.5361 |
| ModelxChange | Johnson Bank | Core (60% Equities / 40% Fixed Income) | 02/28/2026 12:00:00 AM | 2.7435 | 14.5433 | 13.3742 | 6.6716 | 2.7435 | 14.2619 | 11.2024 | 14.7656 | -15.3799 | 11.4969 | 7.57 | 10.19 | 1.07 | 0.34 | | 11542 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL11542 | 0.2000 | 0 | Seeks to provide growth of capital and income by investing in equities and fixed income securities. The Balanced Portfolio is suitable for investors with an intermediate-to-long-term (five to ten years or longer) time horizon. As a firm, Johnson Financial Group (JFG) believes a comprehensive asset allocation can produce better risk adjusted returns. We utilize analytics software to run mean variance optimizations to identify various risk and return scenarios, seeking an optimized asset allocation strategy. Our forward-looking capital market (risk and return) assumptions form the basis of our asset allocation analysis.
One of the key components that we use to form asset allocation decisions are long term capital market (asset class) assumptions. We review our capital market assumptions at the beginning of each year. We examine a number of different methodologies, historical and forward-looking, to gain as much information about the near- and long-term direction of asset class returns, as well as the volatility and correlation of these returns. Using multiple methods also provides insight into whether we are at or near a transition point in a market cycle. We understand that the more a forward-looking assumption departs from the historical averages, the more likely it is that a transition is under way or about to take place. To be clear, this modeling technique is not a precise science. Rather, it is an effort to understand how the current valuation and risk profile of asset classes differ from the long-term historical experience.
The research of underlying mutual funds and exchange traded funds (ETFs) incorporates both quantitative and qualitative analysis. The goal of the quantitative screen is to eliminate sub-par managers, allowing the research team to focus on investment managers that have delivered consistent returns over time. Our research professionals spend a significant amount of time on qualitative analysis. Throughout the qualitative analysis, the research team focuses on four key areas of investment managers: Firm/Product, People, Process, and Performance. | | 0.0124 | 0.5644 |
| ModelxChange | Johnson Bank | Growth (80% Equities / 20% Fixed Income) | 02/28/2026 12:00:00 AM | 3.0158 | 17.1514 | 15.8257 | 8.1617 | 3.0158 | 16.6491 | 13.9580 | 17.3817 | -17.6993 | 15.6180 | 9.11 | 12.29 | 1.14 | 0.42 | | 11543 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL11543 | 0.2000 | 0 | Seeks to primarily provide capital growth while secondarily pursuing income by investing in equities and fixed income securities. The Growth & Income Portfolio is suitable for investors with an intermediate-to-long-term (five to ten years or longer) time horizon. As a firm, Johnson Financial Group (JFG) believes a comprehensive asset allocation can produce better risk adjusted returns. We utilize analytics software to run mean variance optimizations to identify various risk and return scenarios, seeking an optimized asset allocation strategy. Our forward-looking capital market (risk and return) assumptions form the basis of our asset allocation analysis.
One of the key components that we use to form asset allocation decisions are long term capital market (asset class) assumptions. We review our capital market assumptions at the beginning of each year. We examine a number of different methodologies, historical and forward-looking, to gain as much information about the near- and long-term direction of asset class returns, as well as the volatility and correlation of these returns. Using multiple methods also provides insight into whether we are at or near a transition point in a market cycle. We understand that the more a forward-looking assumption departs from the historical averages, the more likely it is that a transition is under way or about to take place. To be clear, this modeling technique is not a precise science. Rather, it is an effort to understand how the current valuation and risk profile of asset classes differ from the long-term historical experience.
The research of underlying mutual funds and exchange traded funds (ETFs) incorporates both quantitative and qualitative analysis. The goal of the quantitative screen is to eliminate sub-par managers, allowing the research team to focus on investment managers that have delivered consistent returns over time. Our research professionals spend a significant amount of time on qualitative analysis. Throughout the qualitative analysis, the research team focuses on four key areas of investment managers: Firm/Product, People, Process, and Performance. | | 0.0140 | 0.5737 |
| ModelxChange | Johnson Bank | Income (20% Equities / 80% Fixed Income) | 02/28/2026 12:00:00 AM | 2.1855 | 9.2736 | 8.2644 | 3.4033 | 2.1855 | 9.4177 | 5.7566 | 8.9358 | -11.0317 | 3.4909 | 4.96 | 6.33 | 0.66 | 0.01 | | 11540 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL11540 | 0.2000 | 0 | Seeks to primarily provide current income while secondarily pursuing capital growth by investing in fixed income securities and equities. The Income Focused Portfolio is suitable for investors with a short-term (one to four years) to intermediate-term (five to ten years) time horizon. As a firm, Johnson Financial Group (JFG) believes a comprehensive asset allocation can produce better risk adjusted returns. We utilize analytics software to run mean variance optimizations to identify various risk and return scenarios, seeking an optimized asset allocation strategy. Our forward-looking capital market (risk and return) assumptions form the basis of our asset allocation analysis.
One of the key components that we use to form asset allocation decisions are long term capital market (asset class) assumptions. We review our capital market assumptions at the beginning of each year. We examine a number of different methodologies, historical and forward-looking, to gain as much information about the near- and long-term direction of asset class returns, as well as the volatility and correlation of these returns. Using multiple methods also provides insight into whether we are at or near a transition point in a market cycle. We understand that the more a forward-looking assumption departs from the historical averages, the more likely it is that a transition is under way or about to take place. To be clear, this modeling technique is not a precise science. Rather, it is an effort to understand how the current valuation and risk profile of asset classes differ from the long-term historical experience.
The research of underlying mutual funds and exchange traded funds (ETFs) incorporates both quantitative and qualitative analysis. The goal of the quantitative screen is to eliminate sub-par managers, allowing the research team to focus on investment managers that have delivered consistent returns over time. Our research professionals spend a significant amount of time on qualitative analysis. Throughout the qualitative analysis, the research team focuses on four key areas of investment managers: Firm/Product, People, Process, and Performance. | | 0.0092 | 0.5457 |
| ModelxChange | Johnson Bank | Income Equity (40% Equities / 60% Fixed Income) | 02/28/2026 12:00:00 AM | 2.4654 | 11.9842 | 10.6656 | 4.9783 | 2.4654 | 11.9218 | 8.5169 | 11.2656 | -13.1545 | 7.4530 | 6.15 | 8.17 | 0.9 | 0.21 | | 11541 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL11541 | 0.2000 | 0 | Seeks to primarily provide current income while pursuing growth of both income and capital by investing in fixed income securities and equities. The Income & Growth Portfolio is suitable for investors with an intermediate-to-long term (five to ten years or longer) time horizon. As a firm, Johnson Financial Group (JFG) believes a comprehensive asset allocation can produce better risk adjusted returns. We utilize analytics software to run mean variance optimizations to identify various risk and return scenarios, seeking an optimized asset allocation strategy. Our forward-looking capital market (risk and return) assumptions form the basis of our asset allocation analysis.
One of the key components that we use to form asset allocation decisions are long term capital market (asset class) assumptions. We review our capital market assumptions at the beginning of each year. We examine a number of different methodologies, historical and forward-looking, to gain as much information about the near- and long-term direction of asset class returns, as well as the volatility and correlation of these returns. Using multiple methods also provides insight into whether we are at or near a transition point in a market cycle. We understand that the more a forward-looking assumption departs from the historical averages, the more likely it is that a transition is under way or about to take place. To be clear, this modeling technique is not a precise science. Rather, it is an effort to understand how the current valuation and risk profile of asset classes differ from the long-term historical experience.
The research of underlying mutual funds and exchange traded funds (ETFs) incorporates both quantitative and qualitative analysis. The goal of the quantitative screen is to eliminate sub-par managers, allowing the research team to focus on investment managers that have delivered consistent returns over time. Our research professionals spend a significant amount of time on qualitative analysis. Throughout the qualitative analysis, the research team focuses on four key areas of investment managers: Firm/Product, People, Process, and Performance. | | 0.0108 | 0.5550 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Dynamic Aggressive | | | | | | | | | | | | | | | | | 2748 | Aggressive Allocation | | 0.4500 | 0 | The KCM Dynamic Aggressive portfolio is designed to be a comprehensive investment solution for plan participants who are aggressive as to risk tolerance. In general, the appropriate plan participant for this portfolio is one looking for growth of capital, is willing to assume larger fluctuations in the financial markets, and does not need to access their retirement funds soon. KCM’s Dynamic risk-based portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation. | | | 0.4500 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Dynamic Conservative | | | | | | | | | | | | | | | | | 2744 | Conservative Allocation | | 0.4500 | 0 | The KCM Dynamic Conservative portfolio is designed to be a comprehensive investment solution for plan participants who are conservative as to risk tolerance. In general, the appropriate plan participant for this portfolio is one looking for preservation of capital, is less willing to assume large fluctuations in the financial markets, and may need to access their retirement funds at, or soon after, retirement. KCM’s Dynamic risk-based portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation. | | | 0.4500 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Dynamic Moderate | | | | | | | | | | | | | | | | | 2746 | Moderate Allocation | | 0.4500 | 0 | The KCM Dynamic Moderate portfolio is designed to be a comprehensive investment solution for plan participants who are moderate as to risk tolerance. In general, the appropriate plan participant for this portfolio is one looking for preservation of capital, is less willing to assume large fluctuations in the financial markets, and may need to access their retirement funds at, or soon after, retirement. KCM’s Dynamic risk-based portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation. | | | 0.4500 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Dynamic Moderately Aggressive | | | | | | | | | | | | | | | | | 2747 | Moderately Aggressive Allocation | | 0.4500 | 0 | The KCM Dynamic Moderately Aggressive portfolio is designed to be a comprehensive investment solution for plan participants who are moderately aggressive as to risk tolerance. In general, the appropriate plan participant for this portfolio is one looking for growth of capital, is willing to assume some fluctuations in the financial markets, and may not need to access their retirement funds soon. KCM’s Dynamic risk-based portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation. | | | 0.4500 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Dynamic Moderately Conservative | | | | | | | | | | | | | | | | | 2745 | Moderately Conservative Allocation | | 0.4500 | 0 | The KCM Dynamic Moderately Conservative portfolio is designed to be a comprehensive investment solution for plan participants who are moderately conservative as to risk tolerance. In general, the appropriate plan participant for this portfolio is one looking for preservation of capital, is less willing to assume large fluctuations in the financial markets, and may need to access their retirement funds at, or soon after, retirement. KCM’s Dynamic risk-based portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation. | | | 0.4500 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Smart Glide 2020 | | | | | | | | | | | | | | | | | 2627 | Target-Date 2020 | | 0.4500 | 0 | The KCM Smart Glide 2020 portfolio is designed to be a comprehensive investment solution for plan participants planning to retire between the years 2018-2023. In general, the appropriate plan participant for this portfolio is one looking for preservation of capital, is less willing to assume large fluctuations in the financial markets, and may need to access their retirement funds at, or soon after, retirement. KCM’s Smart Glide portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation given multiple date ranges. With regular monitoring, the portfolio will be managed to retirement date along a predetermined “Glide Path” and rebalanced on a periodic basis.
As a plan participant approaches his or her projected retirement date, KCM Smart Glide portfolios gradually adjust down a glide path to a more conservative asset allocation. Since plan participants generally need less investment risk as they near retirement, the portfolio will adjust with the passage of time. | | | 0.4500 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Smart Glide 2025 | | | | | | | | | | | | | | | | | 2628 | Target-Date 2025 | | 0.4500 | 0 | The KCM Smart Glide 2025 portfolio is designed to be a comprehensive investment solution for plan participants expecting to retire between the years 2023-2028. In general, the appropriate plan participant for this portfolio is one who is willing to assume modest fluctuations in the financial markets during their working years and leading up to retirement, and/or may not need to access their retirement funds until years after retirement. KCM’s Smart Glide portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation given multiple date ranges. With regular monitoring, the portfolio will be managed to retirement date along a predetermined “Glide Path” and rebalanced on a periodic basis.
As a plan participant approaches his or her projected retirement date, KCM Smart Glide portfolios gradually adjust down a glide path to a more conservative asset allocation. Since plan participants generally need less investment risk as they near retirement, the portfolio will adjust with the passage of time. | | | 0.4500 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Smart Glide 2030 | | | | | | | | | | | | | | | | | 2629 | Target-Date 2030 | | 0.4500 | 0 | The KCM Smart Glide 2030 portfolio is designed to be a comprehensive investment solution for plan participants expecting to retire between the years 2028-2033. In general, the appropriate plan participant for this portfolio is one who is willing to assume modest fluctuations in the financial markets during their working years and leading up to retirement, and/or may not need to access their retirement funds until years after retirement. KCM’s Smart Glide portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation given multiple date ranges. With regular monitoring, the portfolio will be managed to retirement date along a predetermined “Glide Path” and rebalanced on a periodic basis.
As a plan participant approaches his or her projected retirement date, KCM Smart Glide portfolios gradually adjust down a glide path to a more conservative asset allocation. Since plan participants generally need less investment risk as they near retirement, the portfolio will adjust with the passage of time.
| | | 0.4500 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Smart Glide 2035 | | | | | | | | | | | | | | | | | 2630 | Target-Date 2035 | | 0.4500 | 0 | The KCM Smart Glide 2035 portfolio is designed to be a comprehensive investment solution for plan participants expecting to retire between the years 2033-2038. In general, the appropriate plan participant for this portfolio is one who is willing to assume moderate fluctuations in the financial markets during their working years and leading up to retirement, and/or may not need to access their retirement funds until years after retirement. KCM’s Smart Glide portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation given multiple date ranges. With regular monitoring, the portfolio will be managed to retirement date along a predetermined “Glide Path” and rebalanced on a periodic basis.
As a plan participant approaches his or her projected retirement date, KCM Smart Glide portfolios gradually adjust down a glide path to a more conservative asset allocation. Since plan participants generally need less investment risk as they near retirement, the portfolio will adjust with the passage of time.
| | | 0.4500 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Smart Glide 2040 | | | | | | | | | | | | | | | | | 2632 | Target-Date 2040 | | 0.4500 | 0 | The KCM Smart Glide 2040 portfolio is designed to be a comprehensive investment solution for plan participants expecting to retire between the years 2038-2043. In general, the appropriate plan participant for this portfolio is one who is willing to assume moderate fluctuations in the financial markets during their working years and leading up to retirement, and/or may not need to access their retirement funds until years after retirement. KCM’s Smart Glide portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation given multiple date ranges. With regular monitoring, the portfolio will be managed to retirement date along a predetermined “Glide Path” and rebalanced on a periodic basis.
As a plan participant approaches his or her projected retirement date, KCM Smart Glide portfolios gradually adjust down a glide path to a more conservative asset allocation. Since plan participants generally need less investment risk as they near retirement, the portfolio will adjust with the passage of time.
| | | 0.4500 |
| ModelxChange | Kerns Capital Management, Inc. | KCM Smart Glide 2045 | | | | | | | | | | | | | | | | | 2633 | Target-Date 2045 | | 0.4500 | 0 | The KCM Smart Glide 2045 portfolio is designed to be a comprehensive investment solution for plan participants expecting to retire between the years 2043-2048. In general, the appropriate plan participant for this portfolio is one who is willing to assume moderate fluctuations in the financial markets during their working years and leading up to retirement, and/or may not need to access their retirement funds until years after retirement. KCM’s Smart Glide portfolios utilize Modern Portfolio Theory and take into account aspects of Behavioral Finance and forward-looking financial market conditions. KCM’s process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation given multiple date ranges. With regular monitoring, the portfolio will be managed to retirement date along a predetermined “Glide Path” and rebalanced on a periodic basis.
As a plan participant approaches his or her projected retirement date, KCM Smart Glide portfolios gradually adjust down a glide path to a more conservative asset allocation. Since plan participants generally need less investment risk as they near retirement, the portfolio will adjust with the passage of time.
| | | 0.4500 |
| ModelxChange | kPlans Investment Services | First Water Cash Balance Conservative | | | | | | | | | | | | | | | | | 2890 | Conservative Allocation | | 0.2500 | 0 | This strategy seeks investment returns within the “Cash Balance Safe Zone” of 1% to 6% each year to meet the ICR of Cash Balance Plans, being mindful of implications on firm cash flow for shortfalls and Preservation of Capital Rule. he Model utilizes a multi-manager, “fund of funds”, approach across multiple asset classes that is reviewed and rebalanced every 90 days. The strategy further utilizes a blend of active and passive strategies from equity and fixed income along with strategic alternative investments and cash holdings. A tactical risk management overlay allows for tactical moves within the 90 day period. The managers take into account the targeted Cash Balance Interest Credit Rate (falling within the 4%-6% range), the year to date performance and the current investment climate. As the strategy achieves its targeted range of return, the managers may lower the risk exposure in order to preserve the gain for the year. | | | 0.2500 |
| ModelxChange | kPlans Investment Services | First Water Cash Balance Moderate | | | | | | | | | | | | | | | | | 2885 | Conservative Allocation | | 0.2500 | 0 | This strategy seeks investment returns towards the upper end of the “Cash Balance Safe Zone” of 1% to 6% each year to meet the Interest Credit Rate of Cash Balance Plans. | | | 0.2500 |
| ModelxChange | kPlans Investment Services | First Water Cash Balance Ultra-Conservative | | | | | | | | | | | | | | | | | 2891 | Intermediate Core Bond | | 0.2500 | 0 | Cash Balance plans require a dedicated investment strategy due to their unique investment protocol. This strategy seeks investment returns towards the lower range of the “Cash Balance Safe Zone” of 1% to 6% each year to meet the Interest Credit Rate of Cash Balance Plans. The Model utilizes a multi-manager, “fund of funds”, approach across multiple asset classes that is reviewed and rebalanced every 90 days. The strategy further utilizes a blend of active and passive strategies from equity and fixed income along with strategic alternative investments and cash holdings. A tactical risk management overlay allows for tactical moves within the 90 day period. The managers take into account the targeted Cash Balance Interest Credit Rate (falling within the 4%-6% range), the year to date performance and the current investment climate. As the strategy achieves its targeted range of return, the managers may lower the risk exposure in order to preserve the gain for the year. | | | 0.2500 |
| ModelxChange | LDI Advisers, LLC | LDIndex3 Targeted Return | 02/28/2026 12:00:00 AM | 2.1339 | 9.5793 | 7.8564 | 3.0885 | 2.1339 | 9.6863 | 5.4598 | 7.7439 | -12.1884 | 3.7895 | 5.83 | 7.01 | 0.5 | -0.03 | | 1548 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1548 | 0.2000 | 0 | The fund seeks to meet or exceed a target return of 3% and may be appropriate for a conservative investor seeking capital preservation.
The Investment Manager will employ a diversified portfolio with the following allocation ranges and targets. Allocations will vary based on market conditions at the discretion of the Investment Manager.
Equity Range: 5% - 35%
Equity Target: 15%
Fixed Income Range: 65% - 95%
Fixed Income Target: 85%
| | 0.0100 | 0.5619 |
| ModelxChange | LDI Advisers, LLC | LDIndex4 Targeted Return | 02/28/2026 12:00:00 AM | 2.0855 | 12.0929 | 10.8314 | 5.5950 | 2.0855 | 12.2032 | 8.7642 | 11.7518 | -12.7085 | 8.7693 | 6.9 | 8.54 | 0.83 | 0.27 | | 1547 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1547 | 0.2000 | 0 | The fund seeks to meet or exceed a target return of 4% and may be appropriate for a moderately conservative investor seeking purchasing power preservation. The Investment Manager will employ a diversified portfolio with the following allocation ranges and targets. Allocations will vary based on market conditions at the discretion of the Investment Manager.
Equity Range: 25% - 55%
Equity Target: 40%
Fixed Income Range: 45% - 75%
Fixed Income Target: 60%
| | 0.0090 | 0.5447 |
| ModelxChange | LDI Advisers, LLC | LDIndex5 Targeted Return | 02/28/2026 12:00:00 AM | 2.2246 | 14.3619 | 13.7926 | 7.5318 | 2.2246 | 14.4230 | 12.7156 | 14.9901 | -14.0776 | 11.8401 | 8.27 | 10.4 | 1.03 | 0.42 | | 1539 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1539 | 0.2000 | 0 | The fund seeks to meet or exceed a target return of 5% and may be appropriate for a moderate investor seeking capital appreciation with income. The Investment Manager will employ a diversified portfolio with the following allocation ranges and targets. Allocations will vary based on market conditions at the discretion of the Investment Manager.
Equity Range: 45% - 75%
Equity Target: 60%
Fixed Income Range: 25% - 55%
Fixed Income Target: 40%
| | 0.0090 | 0.5662 |
| ModelxChange | LDI Advisers, LLC | LDIndex7 Targeted Return | 02/28/2026 12:00:00 AM | 1.9334 | 15.7599 | 16.1678 | 9.0524 | 1.9334 | 16.0141 | 15.7179 | 18.3751 | -15.0841 | 14.0248 | 9.62 | 12.1 | 1.11 | 0.49 | | 1546 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1546 | 0.2000 | 0 | The fund seeks to meet or exceed a target return of 7% and may be appropriate for a moderately aggressive investor seeking capital appreciation. The Investment Manager will employ a diversified portfolio with the following allocation ranges and targets. Allocations will vary based on market conditions at the discretion of the Investment Manager.
Equity Range: 65% - 85%
Equity Target: 75%
Fixed Income Range: 15% - 35%
Fixed Income Target: 25%
| | 0.0100 | 0.5442 |
| ModelxChange | LDI Advisers, LLC | LDIndex8 Targeted Return | 02/28/2026 12:00:00 AM | 1.2767 | 16.2366 | 16.9892 | 10.0355 | 1.2767 | 16.9362 | 16.9641 | 19.9160 | -15.3053 | 17.5074 | 10.5 | 13.25 | 1.1 | 0.53 | | 1538 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1538 | 0.2000 | 0 | The fund seeks to meet or exceed a target return of 8% and may be appropriate for an aggressive investor seeking maximum capital preservation. The Investment Manager will employ a diversified portfolio with the following allocation ranges and targets. Allocations will vary based on market conditions at the discretion of the Investment Manager.
Equity Range: 75% - 95%
Equity Target: 90%
Fixed Income Range: 5% - 25%
Fixed Income Target: 10%
| | 0.0100 | 0.5355 |
| ModelxChange | LMK Advisors | Fixed Income Moderate | | | | | | | | | | | | | | | | | 2592 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2592 | 0.4500 | 0 | The Fixed Income Moderate objective is to achieve above average yields using moderate to average risk ETFs, providing an alternative to lower yielding Money Market and Stable Value Funds. The Fixed Income Moderate strategy employs both domestic and global taxable bonds, and preferred stocks, within a diversified portfolio of ETFs | | | 0.7665 |
| ModelxChange | Lunt Capital Management, Inc. | Dynamic Aggressive Portfolio | | | | | | | | | | | | | | | | | 286 | Moderately Aggressive Allocation | | 0.5000 | 0 | Diversified Allocation, Tactical Approach; Moderate/Aggressive Risk The Lunt Capital Dynamic Moderately Aggressive Portfolio is a broadly diversified, actively managed portfolio. Portfolio diversification includes exposure to equities, fixed income, and alternative assets. While the precise allocation may change, the portfolio targets an asset allocation of 55-75% equity, 5-10% fixed income, and 15-30% alternatives. Over 55% of the portfolio remains invested at all times, while up to 35% of the portfolio may rotate out of investment positions and into cash during volatile market periods. The portfolio employs tactical rotation strategies and is diversified by asset class, time frame, and investment exposure.
This investment will use ETFs. Investors should consider these costs in light of the anticipated frequency and prospective invested dollar amounts when evaluating ETFs. ETFs may be suitable for long-term investment in the market represented in the relevant index and may also be used as an asset allocation tool or as a speculative trading instrument. ETNs are typically senior, unsecured, unsubordinated debt securities. Holders of ETNs are subject to the risks of the underlying firm that issues the securities. They are designed to provide investors with a new way to access the returns of market benchmarks or strategies. ETNs are not equities or index funds, but they do share several characteristics. For example, like equities, they trade on an exchange and can be shorted. Like an index fund, they are linked to the return of a benchmark index or strategy. | | | 0.5000 |
| ModelxChange | Lunt Capital Management, Inc. | Dynamic Conservative Portfolio | | | | | | | | | | | | | | | | | 287 | Moderately Conservative Allocation | | 0.5000 | 0 | Diversified Allocation, Tactical Approach; Conservative/Moderate Risk The Lunt Capital Dynamic Conservative Portfolio is a broadly diversified, actively managed portfolio. Portfolio diversification includes exposure to equities, fixed income, and alternative assets. While the precise allocation may change, the portfolio targets an asset allocation of 10-20% equity, 70-80% fixed income, and 10-15% alternatives. Over 70% of the portfolio remains invested at all times, while up to 25% of the portfolio may rotate out of investment positions and into cash during volatile market periods. The portfolio employs tactical rotation strategies and is diversified by asset class, time frame, and investment exposure.
This investment will use ETFs. Investors should consider these costs in light of the anticipated frequency and prospective invested dollar amounts when evaluating ETFs. ETFs may be suitable for long-term investment in the market represented in the relevant index and may also be used as an asset allocation tool or as a speculative trading instrument.ETNs are typically senior, unsecured, unsubordinated debt securities. Holders of ETNs are subject to the risks of the underlying firm that issues the securities. ETNs are not equities or index funds, but they do share several characteristics. For example, like equities, they trade on an exchange and can be shorted. Like an index fund, they are linked to the return of a benchmark index or strategy. There are risks involved with investing in ETFs including possible loss of money. Other risks include risks similar to stocks, including those regarding short selling and margin maintenance requirements. | | | 0.5000 |
| ModelxChange | Lunt Capital Management, Inc. | Dynamic Moderate Portfolio | | | | | | | | | | | | | | | | | 288 | Moderate Allocation | | 0.5000 | 0 | Diversified Allocation, Tactical Approach; Moderate Risk The Lunt Capital Dynamic Moderate Portfolio is a broadly diversified, actively managed portfolio. Portfolio diversification includes exposure to equities, fixed income, and alternative assets. While the precise allocation may change, the portfolio targets an asset allocation of 35-50% equity, 25-30% fixed income, and 15-25% alternatives. Over 50% of the portfolio remains invested at all times, while up to 45% of the portfolio may rotate out of investment positions and into cash during volatile market periods. The portfolio employs tactical rotation strategies and is diversified by asset class, time frame, and investment exposure.
This investment will use ETFs. Investors should consider these costs in light of the anticipated frequency and prospective invested dollar amounts when evaluating ETFs. ETFs may be suitable for long-term investment in the market represented in the relevant index and may also be used as an asset allocation tool or as a speculative trading instrument. ETNs are typically senior, unsecured, unsubordinated debt securities. Holders of ETNs are subject to the risks of the underlying firm that issues the securities. ETNs are not equities or index funds, but they do share several characteristics. Like an index fund, they are linked to the return of a benchmark index or strategy. There are risks involved with investing in ETFs/ETNs including possible loss of money. Other risks include risks similar to stocks, including those regarding short selling and margin maintenance requirements. | | | 0.5000 |
| ModelxChange | Meeder Investment Management | Meeder Aggressive Growth Portfolio (ETFs) | 02/28/2026 12:00:00 AM | 2.5913 | 19.9226 | 16.4114 | 10.6356 | 2.5913 | 19.8703 | 15.1557 | 14.5317 | -12.6646 | 21.2003 | 10.79 | 13.82 | 1.02 | 0.55 | | 764 | Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL764 | 0.5000 | 0 | This portfolio seeks growth of capital over a long-term time horizon with the goal of outperforming the broad stock market over a complete market cycle by remaining fully invested in equities under normal conditions with a concentrated mix of sectors, styles, and capitalization range. Using our Aggressive Growth strategy, a constrained tactical strategy, this portfolio seeks growth of capital over a long-term time horizon with the goal of outperforming the broad stock market over a complete market cycle, while remaining fully invested in equities at all times. Our Aggressive Growth strategy shifts the portfolio between sectors, styles, global opportunities and capitalization ranges in a more concentrated manner than our Growth strategy. This portfolio is suitable for investors whose risk profile is such that they can tolerate volatility that is slightly greater than the stock market. | | | 0.5695 |
| ModelxChange | Meeder Investment Management | Meeder Aggressive Growth Portfolio (Mutual Funds) | 02/28/2026 12:00:00 AM | 4.1115 | 19.5499 | 16.3516 | 10.1418 | 4.1115 | 17.5895 | 13.0829 | 17.5863 | -2.5448 | 6.7138 | 10.69 | 13.73 | 1.03 | 0.52 | | 333 | Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL333 | 0.0000 | 0 | This portfolio seeks growth of capital over a long-term time horizon with the goal of outperforming the broad stock market over a complete market cycle by remaining fully invested in equities under normal conditions with a concentrated mix of sectors, styles, and capitalization ranges. Using our Aggressive Growth strategy, a constrained tactical strategy, this portfolio seeks growth of capital over a long-term time horizon with the goal of outperforming the broad stock market over a complete market cycle, while remaining fully invested in equities at all times. Our Aggressive Growth strategy shifts the portfolio between sectors, styles, global opportunities and capitalization ranges in a more concentrated manner than our Growth strategy. This portfolio is suitable for investors whose risk profile is such that they can tolerate volatility that is slightly greater than the stock market. | | | 1.3690 |
| ModelxChange | Meeder Investment Management | Meeder Balanced Portfolio (ETFs) | 02/28/2026 12:00:00 AM | 2.4163 | 12.9627 | 12.0110 | 7.0892 | 2.4163 | 12.9757 | 12.3650 | 8.4132 | -10.0608 | 12.8994 | 7.97 | 8.17 | 0.86 | 0.46 | | 760 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL760 | 0.5000 | 0 | This portfolio seeks both long-term capital growth and current income for investors who are conservative but have some tolerance for risk. Using a blend of our Defensive Growth and Fixed Income strategies, this portfolio seeks to provide investors with a primary objective of long-term growth of capital and a secondary objective of current income by having a maximum exposure of 70% to equity securities and a minimum exposure of 30% to fixed income securities. However, by utilizing our Defensive Investing strategy which seeks to determine the risk/reward relationships of the stock market, the portion of the portfolio that is allocated to our Defensive Growth strategy (70%), an unconstrained tactical strategy, may at times be invested in fixed income and/or money market securities, which will result in a fixed income allocation between 30% and 100% of the total portfolio. | | | 0.5964 |
| ModelxChange | Meeder Investment Management | Meeder Balanced Portfolio (Mutual Funds) | 02/28/2026 12:00:00 AM | 4.0433 | 14.8825 | 13.7761 | 8.3133 | 4.0433 | 12.8430 | 12.5510 | 12.4037 | -10.7298 | 13.7479 | 8.41 | 8.6 | 1.01 | 0.57 | | 329 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL329 | 0.0000 | 0 | This portfolio seeks both long-term capital growth and current income for investors who are conservative but have some tolerance for risk. Using a blend of our Defensive Growth and Fixed Income strategies, this portfolio seeks to provide investors with a primary objective of long-term growth of capital and a secondary objective of current income by having a maximum exposure of 70% to equity securities and a minimum exposure of 30% to fixed income securities. However, by utilizing our Defensive Investing strategy which seeks to determine the risk/reward relationships of the stock market, the portion of the portfolio that is allocated to our Defensive Growth strategy (70%), an unconstrained tactical strategy, may at times be invested in fixed income and/or money market securities, which will result in a fixed income allocation between 30% and 100% of the total portfolio. | | | 1.2207 |
| ModelxChange | Meeder Investment Management | Meeder Conservative - P | 02/28/2026 12:00:00 AM | 2.6349 | 8.9921 | 9.3671 | 4.8019 | 2.6349 | 8.9146 | 7.5364 | 9.6676 | -5.3090 | 0.6702 | 5.31 | 5.75 | 0.81 | 0.24 | | 5659 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5659 | 0.0000 | 0 |
Model Objective
This portfolio seeks to provide income from the bond market and investment gains from the stock market for investors who are risk-averse and prefer active portfolio management. Using a blend of our Defensive Growth and Fixed Income strategies, this portfolio seeks to provide risk averse investors with an asset mix that experiences lower volatility of returns by always having a minimum exposure of 70% to fixed income securities and a maximum exposure of 30% to equity securities. In addition, by utilizing our Defensive Investing strategy which seeks to determine the risk/reward relationships of the stock market, the portion of the portfolio that is allocated to our Defensive Growth strategy (30%), an unconstrained tactical strategy, may at times be invested in fixed income and/or money market securities, which will result in a fixed income allocation between 70% and 100% of the total portfolio. | | | 1.2890 |
| ModelxChange | Meeder Investment Management | Meeder Conservative Growth - P | 02/28/2026 12:00:00 AM | 3.2953 | 11.6920 | 11.3977 | 6.6035 | 3.2953 | 10.6973 | 9.9753 | 10.7674 | -4.8072 | 4.1170 | 6.67 | 6.98 | 0.94 | 0.45 | | 5658 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5658 | 0.0000 | 0 | This portfolio seeks to provide income from the bond market and investment gains from the stock market for investors who are seeking income and long-term growth potential while minimizing volatility.
Model Strategy
Using a blend of our Defensive Growth and Fixed Income strategies, this portfolio seeks to provide investors with a combination of both income and growth by always having a minimum exposure of 50% to fixed income securities and a maximum exposure of 50% to equity securities. In addition, by utilizing our Defensive Investing strategy which seeks to determine the risk/reward relationships of the stock market, the portion of the portfolio that is allocated to our Defensive Growth strategy (50%), an unconstrained tactical strategy, may at times be invested in fixed income and/or money market securities, which will result in a fixed income allocation between 50% and 100% of the total portfolio. | | | 1.2335 |
| ModelxChange | Meeder Investment Management | Meeder Conservative Portfolio (ETFs) | 02/28/2026 12:00:00 AM | 2.2272 | 8.8823 | 7.9727 | 3.7107 | 2.2272 | 9.2847 | 6.3867 | 6.0905 | -9.6072 | 4.8064 | 5.64 | 5.73 | 0.54 | 0.06 | | 759 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL759 | 0.5000 | 0 | This portfolio seeks to provide income from the bond market and investment gains from the stock market for investors who are risk-averse and prefer active portfolio management. Using a blend of our Defensive Growth and Fixed Income strategies, this portfolio seeks to provide risk averse investors with an asset mix that experiences lower volatility of returns by always having a minimum exposure of 70% to fixed income securities and a maximum exposure of 30% to equity securities. In addition, by utilizing our Defensive Investing strategy which seeks to determine the risk/reward relationships of the stock market, the portion of the portfolio that is allocated to our Defensive Growth strategy (30%), an unconstrained tactical strategy, may at times be invested in fixed income and/or money market securities, which will result in a fixed income allocation between 70% and 100% of the total portfolio. | | | 0.6333 |
| ModelxChange | Meeder Investment Management | Meeder Conservative Portfolio (Mutual Funds) | 02/28/2026 12:00:00 AM | 2.6861 | 9.3678 | 9.6730 | 4.9620 | 2.6861 | 9.3071 | 7.7891 | 9.8456 | -9.1324 | 4.8782 | 5.46 | 5.67 | 0.84 | 0.27 | | 326 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL326 | 0.0000 | 0 | This portfolio seeks to provide income from the bond market and investment gains from the stock market for investors who are risk-averse and prefer active portfolio management. Using a blend of our Defensive Growth and Fixed Income strategies, this portfolio seeks to provide risk averse investors with an asset mix that experiences lower volatility of returns by always having a minimum exposure of 70% to fixed income securities and a maximum exposure of 30% to equity securities. In addition, by utilizing our Defensive Investing strategy which seeks to determine the risk/reward relationships of the stock market, the portion of the portfolio that is allocated to our Defensive Growth strategy (30%), an unconstrained tactical strategy, may at times be invested in fixed income and/or money market securities, which will result in a fixed income allocation between 70% and 100% of the total portfolio. | | | 1.2890 |
| ModelxChange | Meeder Investment Management | Meeder Growth - P | 02/28/2026 12:00:00 AM | 4.5708 | 18.4124 | 16.4269 | 10.3815 | 4.5708 | 15.4335 | 16.2502 | 13.8556 | -6.7623 | 13.0812 | 10.13 | 10.22 | 1.09 | 0.68 | | 5656 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5656 | 0.0000 | 0 | This portfolio seeks growth of capital for growth oriented investors looking to minimize volatility. Using our Defensive Growth strategy, an unconstrained tactical strategy, this portfolio seeks capital appreciation for growth oriented investors looking to minimize volatility. Our Defensive Investing discipline seeks out the best opportunities for returns in the financial markets while managing the inherent risks of investing by shifting assets from equities to fixed income and money market securities when our analysis determines the risk/reward relationship of the stock market is unfavorable. | | | 1.1330 |
| ModelxChange | Meeder Investment Management | Meeder Growth Portfolio (ETFs) | 02/28/2026 12:00:00 AM | 3.1513 | 19.8895 | 16.6492 | 10.7643 | 3.1513 | 19.1912 | 15.6934 | 14.3155 | -12.2413 | 20.3730 | 10.68 | 13.76 | 1.05 | 0.56 | | 762 | Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL762 | 0.5000 | 0 | This portfolio seeks growth of capital over a long-term time horizon with a goal to outperform the broad stock market over a complete market cycle while remaining fully invested in equities under normal conditions. Using our Growth strategy, a constrained tactical strategy, this portfolio seeks growth of capital over a long-term time horizon with a goal of outperforming the broad stock market over a complete market cycle, while remaining fully invested in equities at all times. Our Growth strategy shifts the portfolio between sectors, styles, global opportunities and capitalization ranges. This portfolio is suitable for investors whose risk profile is such that they can tolerate the volatility of the stock market. | | | 0.5689 |
| ModelxChange | Meeder Investment Management | Meeder Growth Portfolio (Mutual Funds) | 02/28/2026 12:00:00 AM | 4.4024 | 19.9365 | 16.9108 | 10.4005 | 4.4024 | 17.7126 | 13.2583 | 18.2839 | -2.9118 | 6.0879 | 10.53 | 13.43 | 1.09 | 0.55 | | 331 | Large Blend | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL331 | 0.0000 | 0 | This portfolio seeks growth of capital over a long-term time horizon with a goal to outperform the broad stock market over a complete market cycle while remaining fully invested in equities under normal conditions. Using our Growth strategy, a constrained tactical strategy, this portfolio seeks growth of capital over a long-term time horizon with a goal of outperforming the broad stock market over a complete market cycle, while remaining fully invested in equities at all times. Our Growth strategy shifts the portfolio between sectors, styles, global opportunities and capitalization ranges. This portfolio is suitable for investors whose risk profile is such that they can tolerate the volatility of the stock market. | | | 1.3270 |
| ModelxChange | Meeder Investment Management | Meeder Moderate Conservative Portfolio (ETFs) | 02/28/2026 12:00:00 AM | 2.4205 | 11.0101 | 10.2506 | 5.5465 | 2.4205 | 11.1192 | 9.6004 | 7.6799 | -9.6493 | 8.5900 | 6.76 | 6.93 | 0.77 | 0.31 | | 761 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL761 | 0.5000 | 0 | This portfolio seeks to provide income from the bond market and investment gains from the stock market for investors who are seeking income and long-term growth potential while minimizing volatility. Using a blend of our Defensive Growth and Fixed Income strategies, this portfolio seeks to provide investors with a combination of both income and growth by always having a minimum exposure of 50% to fixed income securities and a maximum exposure of 50% to equity securities. In addition, by utilizing our Defensive Investing strategy which seeks to determine the risk/reward relationships of the stock market, the portion of the portfolio that is allocated to our Defensive Growth strategy (50%), an unconstrained tactical strategy, may at times be invested in fixed income and/or money market securities, which will result in a fixed income allocation between 50% and 100% of the total portfolio. | | | 0.6148 |
| ModelxChange | Meeder Investment Management | Meeder Moderate Conservative Portfolio (Mutual Funds) | 02/28/2026 12:00:00 AM | 3.4010 | 12.1615 | 11.7665 | 6.6795 | 3.4010 | 11.1257 | 10.2483 | 11.0988 | -9.8443 | 9.2008 | 6.89 | 7.07 | 0.96 | 0.46 | | 330 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL330 | 0.0000 | 0 | This portfolio seeks to provide income from the bond market and investment gains from the stock market for investors who are seeking income and long-term growth potential while minimizing volatility. Using a blend of our Defensive Growth and Fixed Income strategies, this portfolio seeks to provide investors with a combination of both income and growth by always having a minimum exposure of 50% to fixed income securities and a maximum exposure of 50% to equity securities. In addition, by utilizing our Defensive Investing strategy which seeks to determine the risk/reward relationships of the stock market, the portion of the portfolio that is allocated to our Defensive Growth strategy (50%), an unconstrained tactical strategy, may at times be invested in fixed income and/or money market securities, which will result in a fixed income allocation between 50% and 100% of the total portfolio. | | | 1.2335 |
| ModelxChange | Meeder Investment Management | Meeder Moderate Growth - P | 02/28/2026 12:00:00 AM | 3.9246 | 14.4690 | 13.4216 | 8.6794 | 3.9246 | 12.5004 | 12.2588 | 12.1130 | -12.0380 | 19.8660 | 8.19 | 9.14 | 1 | 0.58 | | 5657 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL5657 | 0.0000 | 0 | This portfolio seeks both long-term capital growth and current income for investors who are conservative but have some tolerance for risk.
Model Strategy
Using a blend of our Defensive Growth and Fixed Income strategies, this portfolio seeks to provide investors with a primary objective of long-term growth of capital and a secondary objective of current income by having a maximum exposure of 70% to equity securities and a minimum exposure of 30% to fixed income securities. However, by utilizing our Defensive Investing strategy which seeks to determine the risk/reward relationships of the stock market, the portion of the portfolio that is allocated to our Defensive Growth strategy (70%), an unconstrained tactical strategy, may at times be invested in fixed income and/or money market securities, which will result in a fixed income allocation between 30% and 100% of the total portfolio. | | | 1.2207 |
| ModelxChange | Meeder Investment Management | Meeder Moderate Growth Portfolio (ETFs) | 02/28/2026 12:00:00 AM | 2.8772 | 16.2376 | 14.8275 | 9.4778 | 2.8772 | 15.3166 | 16.9689 | 9.5404 | -10.5888 | 19.2222 | 10.06 | 10.38 | 0.95 | 0.59 | | 763 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL763 | 0.5000 | 0 | This portfolio seeks growth of capital for growth oriented investors looking to minimize volatility. Using our Defensive Growth strategy, an unconstrained tactical strategy, this portfolio seeks capital appreciation for growth oriented investors looking to minimize volatility. Our Defensive Investing discipline seeks out the best opportunities for returns in the financial markets while managing the inherent risks of investing by shifting assets from equities to fixed income and money market securities when our analysis determines the risk/reward relationship of the stock market is unfavorable. | | | 0.5686 |
| ModelxChange | Meeder Investment Management | Meeder Moderate Growth Portfolio (Mutual Funds) | | | | | | | | | | | | | | | | | 332 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL332 | 0.0000 | 0 | This portfolio seeks growth of capital for growth oriented investors looking to minimize volatility. Using our Defensive Growth strategy, an unconstrained tactical strategy, this portfolio seeks capital appreciation for growth oriented investors looking to minimize volatility. Our Defensive Investing discipline seeks out the best opportunities for returns in the financial markets while managing the inherent risks of investing by shifting assets from equities to fixed income and money market securities when our analysis determines the risk/reward relationship of the stock market is unfavorable. | | | 1.1330 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | AllianceOne 2020 | 02/28/2026 12:00:00 AM | 4.8826 | 12.7183 | 9.8143 | 5.0351 | 4.8826 | 10.7178 | 6.2115 | 9.2055 | -11.9456 | 7.7257 | 6.3 | 8.07 | 0.76 | 0.22 | | 2075 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2075 | 0.1000 | 0 | To provide growth and income through broad global diversification of equity and fixed income investments, increasing the fixed income exposure as participants near their target retirement date. AllianceOne 2020 (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income mutual funds according to an asset allocation strategy designed for investors planning to retire in or within a few years of 2020 (the target year). The Portfolio follows a “retire to” strategy intended to reduce equity risk exposure during a time when retirement planning is being finalized and the tolerance for downside volatility tends to be lower. The Portfolio’s target date glidepath increases fixed income exposure commensurately with age so that under normal circumstances the model will have approximately a 35% equity and 65% fixed income allocation when the participant is 65 years old.
The Portfolio’s underlying funds are selected based on a variety of factors that have demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The AllianceOne Target Date portfolios may have a relatively higher small-cap and value weighting, additional factors that have historically demonstrated to add value over time.
| | 0.0075 | 0.3166 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | AllianceOne 2030 | 02/28/2026 12:00:00 AM | 5.5525 | 14.3035 | 10.6224 | 5.6146 | 5.5525 | 11.6518 | 6.5642 | 10.0306 | -12.5660 | 9.3311 | 7.06 | 8.93 | 0.79 | 0.27 | | 2077 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2077 | 0.1000 | 0 | To provide growth and income through broad global diversification of equity and fixed income investments, increasing the fixed income exposure as participants near their target retirement date. AllianceOne 2030 (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income mutual funds according to an asset allocation strategy designed for investors planning to retire in or within a few years of 2030 (the target year). The Portfolio follows a “retire to” strategy intended to reduce equity risk exposure during a time when retirement planning is being finalized and the tolerance for downside volatility tends to be lower. The Portfolio’s target date glidepath increases fixed income exposure commensurately with age so that under normal circumstances the model will have approximately a 35% equity and 65% fixed income allocation when the participant is 65 years old.
The Portfolio’s underlying funds are selected based on a variety of factors that have demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The AllianceOne Target Date portfolios may have a relatively higher small-cap and value weighting, additional factors that have historically demonstrated to add value over time.
| | 0.0075 | 0.3131 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | AllianceOne 2040 | 02/28/2026 12:00:00 AM | 6.1644 | 16.3422 | 11.8925 | 6.2948 | 6.1644 | 12.9880 | 7.2842 | 11.4367 | -13.5272 | 10.3330 | 7.96 | 9.81 | 0.85 | 0.32 | | 2078 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2078 | 0.1000 | 0 | To provide growth and income through broad global diversification of equity and fixed income investments, increasing the fixed income exposure as participants near their target retirement date. AllianceOne 2040 (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income mutual funds according to an asset allocation strategy designed for investors planning to retire in or within a few years of 2040 (the target year). The Portfolio follows a “retire to” strategy intended to reduce equity risk exposure during a time when retirement planning is being finalized and the tolerance for downside volatility tends to be lower. The Portfolio’s target date glidepath increases fixed income exposure commensurately with age so that under normal circumstances the model will have approximately a 35% equity and 65% fixed income allocation when the participant is 65 years old.
The Portfolio’s underlying funds are selected based on a variety of factors that have demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The AllianceOne Target Date portfolios may have a relatively higher small-cap and value weighting, additional factors that have historically demonstrated to add value over time.
| | 0.0075 | 0.3245 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | AllianceOne 2050 | 02/28/2026 12:00:00 AM | 6.4921 | 17.6905 | 12.8866 | 7.1041 | 6.4921 | 13.9309 | 8.4859 | 12.4681 | -14.2559 | 12.6290 | 8.79 | 10.9 | 0.88 | 0.37 | | 2079 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2079 | 0.1000 | 0 | To provide growth and income through broad global diversification of equity and fixed income investments, increasing the fixed income exposure as participants near their target retirement date. AllianceOne 2050 (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income mutual funds according to an asset allocation strategy designed for investors planning to retire in or within a few years of 2050 (the target year). The Portfolio follows a “retire to” strategy intended to reduce equity risk exposure during a time when retirement planning is being finalized and the tolerance for downside volatility tends to be lower. The Portfolio’s target date glidepath increases fixed income exposure commensurately with age so that under normal circumstances the model will have approximately a 35% equity and 65% fixed income allocation when the participant is 65 years old.
The Portfolio’s underlying funds are selected based on a variety of factors that have demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The AllianceOne Target Date portfolios may have a relatively higher small-cap and value weighting, additional factors that have historically demonstrated to add value over time.
| | 0.0075 | 0.3188 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | AllianceOne 2060 | 02/28/2026 12:00:00 AM | 7.2098 | 20.2121 | 13.8831 | 7.6903 | 7.2098 | 15.7230 | 8.6919 | 13.0228 | -14.8474 | 13.7156 | 9.44 | 11.76 | 0.92 | 0.39 | | 2080 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2080 | 0.1000 | 0 | To provide growth and income through broad global diversification of equity and fixed income investments, increasing the fixed income exposure as participants near their target retirement date. AllianceOne 2060 (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income mutual funds according to an asset allocation strategy designed for investors planning to retire in or within a few years of 2060 (the target year). The Portfolio follows a “retire to” strategy intended to reduce equity risk exposure during a time when retirement planning is being finalized and the tolerance for downside volatility tends to be lower. The Portfolio’s target date glidepath increases fixed income exposure commensurately with age so that under normal circumstances the model will have approximately a 35% equity and 65% fixed income allocation when the participant is 65 years old.
The Portfolio’s underlying funds are selected based on a variety of factors that have demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The AllianceOne Target Date portfolios may have a relatively higher small-cap and value weighting, additional factors that have historically demonstrated to add value over time.
| | 0.0050 | 0.2876 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | MillenniuM 30% Equity ETF Portfolio | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 2528 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2528 | 0.2500 | 0 | The MillenniuM 30% Equity ETF Portfolio invests in domestic and foreign equity and fixed income investments according to an asset allocation strategy designed for investors primarily seeking current income and, secondarily, low to moderate long-term capital appreciation. The Portfolio will typically allocate 30% of its assets in equity investments and 70% of its assets in fixed income investments. Through circumstance or intention, the stated allocation percentages may have a +/- variance of up to 10%. The MillenniuM 30% Equity ETF Portfolio (the “30% Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income exchange traded funds (ETFs) according to an asset allocation strategy designed for investors who have a limited tolerance for market volatility, seek current income and low to moderate long-term capital appreciation and are willing to accept the potential for moderate periods of negative returns. Under normal circumstances, the Portfolio will allocate approximately 30% of its assets in U.S. and foreign equity ETFs and 70% in U.S. and foreign fixed income ETFs.
The Portfolio’s underlying funds are selected based on a variety of factors that have historically demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The Portfolio may have higher small-cap and value weightings and lower volatility relative to its benchmark. | | | 0.4180 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | MillenniuM 40% Equity ETF Portfolio | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 2529 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2529 | 0.2500 | 0 | The MillenniuM 40% Equity ETF Portfolio invests in domestic and foreign equity and fixed income investments according to an asset allocation strategy designed for investors primarily seeking current income and, secondarily, moderate to long-term capital appreciation. The Model will typically allocate 40% of its assets in equity investments and 60% of its assets in fixed income investments. Through circumstance or intention, the stated allocation percentages may have a +/- variance of up to 10%. The MillenniuM 40% Equity ETF Portfolio (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income exchange traded funds (ETFs) according to an asset allocation strategy designed for investors who seek current income and moderate long-term capital appreciation and have a tolerance for market volatility and willingness to accept the potential for moderate periods of negative returns. Under normal circumstances, the Portfolio will allocate approximately 40% of its assets in U.S. and foreign equity mutual funds and 60% in U.S. and foreign fixed income ETFs.
The Portfolio’s underlying funds are selected based on a variety of factors that have historically demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The Portfolio may have higher small-cap and value weightings and lower volatility relative to its benchmark. | | | 0.4245 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | MillenniuM 50% Equity ETF Portfolio | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 2530 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2530 | 0.2500 | 0 | The MillenniuM 50% Equity ETF Portfolio invests in domestic and foreign equity and fixed income investments according to an asset allocation strategy designed for investors primarily seeking moderate long-term capital appreciation and, secondarily, current income. The Model will typically allocate 50% of its assets in equity investments and 50% of its assets in fixed income investments. Through circumstance or intention, the stated allocation percentages may have a +/- variance of up to 10%. The MillenniuM 50% Equity ETF Portfolio (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income exchange traded funds (ETFs) according to an asset allocation strategy designed for investors who seek moderate capital appreciation along with current income and have a tolerance for market volatility and willingness to accept the potential for extended periods of negative returns. Under normal circumstances, the Portfolio will allocate approximately 50% of its assets in U.S. and foreign equity ETFs and 50% in U.S. and foreign fixed income ETFs.
The Portfolio’s underlying funds are selected based on a variety of factors that have historically demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The Portfolio may have higher small-cap and value weightings and lower volatility relative to its benchmark. | | | 0.4311 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | MillenniuM 60% Equity ETF Portfolio | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 2531 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2531 | 0.2500 | 0 | The MillenniuM 60% Equity ETF Portfolio invests in domestic and foreign equity and fixed income investments according to an asset allocation strategy designed for investors primarily seeking long-term capital appreciation and, secondarily, low to moderate current income. The Model will typically allocate 60% of its assets in equity investments and 40% of its assets in fixed income investments. Through circumstance or intention, the stated allocation percentages may have a +/- variance of up to 10%. The MillenniuM 60% Equity Portfolio (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income exchange traded funds (ETFs) according to an asset allocation strategy designed for investors who seek capital appreciation and have a high tolerance for market volatility and willingness to accept the potential for extended periods of negative returns. Under normal circumstances, the Portfolio will allocate approximately 60% of its assets in U.S. and foreign equity ETFs and 40% in U.S. and foreign fixed income ETFs.
The Portfolio’s underlying funds are selected based on a variety of factors that have historically demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The Portfolio may have higher small-cap and value weightings and lower volatility relative to its benchmark. | | | 0.4445 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | MillenniuM 70% Equity ETF Portfolio | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 2532 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2532 | 0.2500 | 0 | The MillenniuM 70% Equity ETF Portfolio invests in domestic and foreign equity and fixed income investments according to an asset allocation strategy designed for investors primarily seeking long-term capital appreciation and, secondarily, low to moderate current income. The Model will typically allocate 70% of its assets in equity investments and 30% of its assets in fixed income investments. Through circumstance or intention, the stated allocation percentages may have a +/- variance of up to 10%. The MillenniuM 70% Equity ETF Portfolio (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income exchange traded funds (ETFs) according to an asset allocation strategy designed for investors who seek capital appreciation and have a high tolerance for market volatility and willingness to accept the potential for extended periods of negative returns. Under normal circumstances, the Portfolio will allocate approximately 70% of its assets in U.S. and foreign equity ETFs and 30% in U.S. and foreign fixed income ETFs.
The Portfolio’s underlying funds are selected based on a variety of factors that have historically demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The Portfolio may have higher small-cap and value weightings and lower volatility relative to its benchmark. | | | 0.4481 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | MillenniuM Aggressive Portfolio | | | | | | | | | | | | | | | | | 2128 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2128 | 0.2500 | 0 | The MillenniuM Aggressive Portfolio invests in domestic and foreign equity and fixed income investments according to an asset allocation strategy designed for investors primarily seeking long-term capital appreciation and, secondarily, low to moderate current income. The Model will typically allocate between 65% and 90% of its assets in equity investments and between 10% and 35% of its assets in fixed income investments. The MillenniuM Aggressive Portfolio (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income mutual funds according to an asset allocation strategy designed for investors who seek capital appreciation and have a high tolerance for market volatility and willingness to accept the potential for extended periods of negative returns. Under normal circumstances, the Portfolio will allocate approximately 80% of its assets in U.S. and foreign equity mutual funds and 20% in U.S. and foreign fixed income mutual funds.
The Portfolio’s underlying funds are selected based on a variety of factors that have demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The Portfolio may have relatively higher small-cap and value weightings, additional factors that have historically demonstrated to add value over time.
| | 0.0100 | 0.5544 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | MillenniuM Conservative Portfolio | | | | | | | | | | | | | | | | | 2132 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2132 | 0.2500 | 0 | The MillenniuM Conservative Portfolio invests in domestic and foreign equity and fixed income investments according to an asset allocation strategy designed for investors primarily seeking current income and, secondarily, low to moderate long-term capital appreciation. The Portfolio will typically allocate between 15% and 40% of its assets in equity investments and between 60% and 85% of its assets in fixed income investments. The MillenniuM Conservative Portfolio (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income mutual funds according to an asset allocation strategy designed for investors who seek current income and low to moderate long-term capital appreciation and have a limited tolerance for market volatility and willingness to accept the potential for moderate periods of negative returns. Under normal circumstances, the Portfolio will allocate approximately 30% of its assets in U.S. and foreign equity mutual funds and 70% in U.S. and foreign fixed income mutual funds.
The Portfolio’s underlying funds are selected based on a variety of factors that have demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The Portfolio may have relatively higher small-cap and value weightings, additional factors that have historically demonstrated to add value over time.
| | 0.0200 | 0.6147 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | MillenniuM Moderate Portfolio | | | | | | | | | | | | | | | | | 2130 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2130 | 0.2500 | 0 | The MillenniuM Moderate Portfolio invests in domestic and foreign equity and fixed income investments according to an asset allocation strategy designed for investors primarily seeking moderate long-term capital appreciation and, secondarily, current income. The Model will typically allocate between 45% and 70% of its assets in equity investments and between 30% and 55% of its assets in fixed income investments. The MillenniuM Moderate Portfolio (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income mutual funds according to an asset allocation strategy designed for investors who seek moderate capital appreciation along with current income and have a tolerance for market volatility and willingness to accept the potential for extended periods of negative returns. Under normal circumstances, the Portfolio will allocate approximately 60% of its assets in U.S. and foreign equity mutual funds and 40% in U.S. and foreign fixed income mutual funds.
The Portfolio’s underlying funds are selected based on a variety of factors that have demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The Portfolio may have relatively higher small-cap and value weightings, additional factors that have historically demonstrated to add value over time.
| | 0.0150 | 0.5784 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | MillenniuM Moderately Aggressive Portfolio | | | | | | | | | | | | | | | | | 2129 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2129 | 0.2500 | 0 | The MillenniuM Moderately Aggressive Portfolio invests in domestic and foreign equity and fixed income investments according to an asset allocation strategy designed for investors primarily seeking long-term capital appreciation and, secondarily, low to moderate current income. The Model will typically allocate between 55% and 75% of its assets in equity investments and between 25% and 45% of its assets in fixed income investments. The MillenniuM Moderately Aggressive Portfolio (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income mutual funds according to an asset allocation strategy designed for investors who seek capital appreciation and have a high tolerance for market volatility and willingness to accept the potential for extended periods of negative returns. Under normal circumstances, the Portfolio will allocate approximately 70% of its assets in U.S. and foreign equity mutual funds and 30% in U.S. and foreign fixed income mutual funds.
The Portfolio’s underlying funds are selected based on a variety of factors that have demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The Portfolio may have relatively higher small-cap and value weightings, additional factors that have historically demonstrated to add value over time.
| | 0.0125 | 0.5696 |
| ModelxChange | MillenniuM Investment & Retirement Advisors, LLC | MillenniuM Moderately Conservative Portfolio | | | | | | | | | | | | | | | | | 2131 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2131 | 0.2500 | 0 | The MillenniuM Moderately Conservative Portfolio invests in domestic and foreign equity and fixed income investments according to an asset allocation strategy designed for investors primarily seeking current income and, secondarily, moderate long-term capital appreciation. The Model will typically allocate between 30% and 50% of its assets in equity investments and between 50% and 70% of its assets in fixed income investments. The MillenniuM Moderately Conservative Portfolio (the “Portfolio”) invests in a broadly diversified portfolio of global equity and fixed income mutual funds according to an asset allocation strategy designed for investors who seek current income and moderate long-term capital appreciation and have a tolerance for market volatility and willingness to accept the potential for moderate periods of negative returns. Under normal circumstances, the Portfolio will allocate approximately 45% of its assets in U.S. and foreign equity mutual funds and 55% in U.S. and foreign fixed income mutual funds.
The Portfolio’s underlying funds are selected based on a variety of factors that have demonstrated to add long-term value such as: relatively low expenses, low portfolio turnover, low standard deviation, high Sharpe, Treynor and Sortino ratios and favorable upside/downside capture ratios. The Portfolio may have relatively higher small-cap and value weightings, additional factors that have historically demonstrated to add value over time.
| | 0.0175 | 0.6067 |
| ModelxChange | Morningstar Investment Management LLC | Morningstar Aggressive Growth | | | | | | | | | | | | | | | | | 8717 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8717 | 0.0000 | 0 | The Aggressive Growth portfolio seeks long-term capital appreciation, primarily through diversified investments in U.S. and international equities. The strategy is susceptible to market volatility and is intended for clients with at least a 15-year time horizon. Our valuation-driven portfolio construction focuses on one central idea: We seek to find fair value in fundamentally strong but underpriced investments. From idea generation to holistic portfolios built for the long term, valuation is one of the key factors guiding the way we construct portfolios and helping us seek to manage risk.
The core of our philosophy is the belief that asset class returns are intrinsically linked to the cash flows they have the potential to supply to investors. We analyze capital markets with a valuation lens to look for opportunities to get more than we'll pay for and seek to gauge market sentiment to help ensure we're taking a contrarian look at the markets.
In-depth, fundamental asset class reviews are integral to developing our conviction in different investment opportunities. This judgment-driven approach leads to what we believe is our best thinking about capital markets research and asset classes. | | 0.1000 | 0.8826 |
| ModelxChange | Morningstar Investment Management LLC | Morningstar Conservative | | | | | | | | | | | | | | | | | 8722 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8722 | 0.0000 | 0 | The Conservative portfolio's fixed-income focus is designed to help provide current income while seeking to mitigate significant capital loss through diversified investments in domestic and international mutual funds. The portfolio's modest equity holdings are designed to help guard against inflation. It is intended for clients who value current income and stability, and with at least a one to three-year investment horizon. Our valuation-driven portfolio construction focuses on one central idea: We seek to find fair value in fundamentally strong but underpriced investments. From idea generation to holistic portfolios built for the long term, valuation is one of the key factors guiding the way we construct portfolios and helping us seek to manage risk.
The core of our philosophy is the belief that asset class returns are intrinsically linked to the cash flows they have the potential to supply to investors. We analyze capital markets with a valuation lens to look for opportunities to get more than we'll pay for and seek to gauge market sentiment to help ensure we're taking a contrarian look at the markets.
In-depth, fundamental asset class reviews are integral to developing our conviction in different investment opportunities. This judgment-driven approach leads to what we believe is our best thinking about capital markets research and asset classes.
| | 0.1000 | 0.6752 |
| ModelxChange | Morningstar Investment Management LLC | Morningstar Growth | | | | | | | | | | | | | | | | | 8720 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8720 | 0.0000 | 0 | The Growth portfolio seeks long-term capital appreciation, primarily through investments in domestic and international equities, and modest allocations to a diversified mix of fixed-income investments. The portfolio will experience volatility, but its fixed-income positions should provide it with a cushion in tough stock-market environments. It is intended for clients with at least a 10 to 15-year time horizon. Our valuation-driven portfolio construction focuses on one central idea: We seek to find fair value in fundamentally strong but underpriced investments. From idea generation to holistic portfolios built for the long term, valuation is one of the key factors guiding the way we construct portfolios and helping us seek to manage risk.
The core of our philosophy is the belief that asset class returns are intrinsically linked to the cash flows they have the potential to supply to investors. We analyze capital markets with a valuation lens to look for opportunities to get more than we'll pay for and seek to gauge market sentiment to help ensure we're taking a contrarian look at the markets.
In-depth, fundamental asset class reviews are integral to developing our conviction in different investment opportunities. This judgment-driven approach leads to what we believe is our best thinking about capital markets research and asset classes.
| | 0.1000 | 0.8542 |
| ModelxChange | Morningstar Investment Management LLC | Morningstar Income & Growth | | | | | | | | | | | | | | | | | 8721 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8721 | 0.0000 | 0 | The Income & Growth portfolio balances its assets primarily between stocks and bonds. Its fixed-income bias is designed to provide some current income and seeks to mitigate significant capital loss, while its equity holdings are designed to help guard against inflation. it is intended for clients who: seek both moderate capital appreciation and current income; value current income and stability; and have at least a three to five-year investment horizon. Our valuation-driven portfolio construction focuses on one central idea: We seek to find fair value in fundamentally strong but underpriced investments. From idea generation to holistic portfolios built for the long term, valuation is one of the key factors guiding the way we construct portfolios and helping us seek to manage risk.
The core of our philosophy is the belief that asset class returns are intrinsically linked to the cash flows they have the potential to supply to investors. We analyze capital markets with a valuation lens to look for opportunities to get more than we'll pay for and seek to gauge market sentiment to help ensure we're taking a contrarian look at the markets.
In-depth, fundamental asset class reviews are integral to developing our conviction in different investment opportunities. This judgment-driven approach leads to what we believe is our best thinking about capital markets research and asset classes.
| | 0.1000 | 0.7386 |
| ModelxChange | Morningstar Investment Management LLC | Morningstar Moderate Growth | | | | | | | | | | | | | | | | | 8718 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8718 | 0.0000 | 0 | The Moderate Growth portfolio seeks to provide balanced exposure to the stock and bond markets. It is intended for clients who primarily seek long-term capital appreciation with muted volatility. Generally, these clients have at least a five to seven-year investment horizon. Our valuation-driven portfolio construction focuses on one central idea: We seek to find fair value in fundamentally strong but underpriced investments. From idea generation to holistic portfolios built for the long term, valuation is one of the key factors guiding the way we construct portfolios and helping us seek to manage risk.
The core of our philosophy is the belief that asset class returns are intrinsically linked to the cash flows they have the potential to supply to investors. We analyze capital markets with a valuation lens to look for opportunities to get more than we'll pay for and seek to gauge market sentiment to help ensure we're taking a contrarian look at the markets.
In-depth, fundamental asset class reviews are integral to developing our conviction in different investment opportunities. This judgment-driven approach leads to what we believe is our best thinking about capital markets research and asset classes.
| | 0.1000 | 0.8016 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Balanced | 02/28/2026 12:00:00 AM | 5.0908 | 17.4555 | 13.5420 | 6.4577 | 5.0908 | 14.9134 | 9.6507 | 13.3044 | -16.5435 | 9.8271 | 8.17 | 10.84 | | | | 1173 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1173 | 0.2500 | 0 | The New Frontier ETF Global Balanced Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 60/40 stock/bond ratio. This portfolio is designed to provide current income and long term capital growth. The strategy invests in fifteen to twenty exchange traded funds. The New Frontier ETF Global Balanced Portfolio is a risk-targeted core investment optimized relative to a 60/40 stock/bond ratio. New Frontier employs our patented Michaud optimization and Michaud-Esch rebalancing test to structure and monitor the asset allocation. We choose quality ETFs that span investable global economic growth to construct the portfolios.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.4125 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Balanced Growth | 02/28/2026 12:00:00 AM | 5.5098 | 19.8623 | 15.2352 | 7.7051 | 5.5098 | 16.7563 | 11.0944 | 15.2588 | -17.2529 | 12.7531 | 9.33 | 12.17 | | | | 1174 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1174 | 0.2500 | 0 | The New Frontier ETF Global Balanced Growth Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 75/25 stock/bond ratio. This portfolio is designed for long term capital growth with a secondary focus on current income. The strategy invests in fifteen to twenty exchange traded funds. The New Frontier ETF Global Balanced Growth Portfolio is a risk-targeted core investment optimized relative to a 75/25 stock/bond ratio. New Frontier employs our patented Michaud optimization and Michaud-Esch rebalancing test to structure and monitor the asset allocation. We choose quality ETFs that span investable global economic growth to construct the portfolios.
Please visit https://newfrontieradvisors.com/ or contact us for more information.
| | | 0.4142 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Balanced Growth Tax-Sensitive | | | | | | | | | | | | | | | | | 2015 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2015 | 0.2500 | 0 | The New Frontier ETF Global Balanced Growth Tax-Sensitive Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 75/25 stock/bond ratio. This portfolio is designed for long term capital growth with a secondary focus on current income in a taxable account. The strategy invests in fifteen to twenty-five exchange traded funds. New Frontier's tax-sensitive portfolios do not just replace treasuries with municipal bonds as most tax-sensitive strategies do. Taxes are considered at every step of our unique portfolio construction process. We structure our trade and rebalancing decisions to minimize tax effects. Going from broad to specific, this includes avoiding trading without benefit, minimizing turnover, offsetting positive with negative capital gains, favoring small capital losses to capital gains, and favoring long term capital gains to short term. Also, we use ETFs, which provide more tax efficiency than mutual funds.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.4234 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Balanced Income | 02/28/2026 12:00:00 AM | 4.1829 | 13.6128 | 10.9893 | 4.7764 | 4.1829 | 12.0696 | 7.6871 | 10.5872 | -14.6696 | 6.0971 | 6.47 | 8.75 | | | | 1172 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1172 | 0.2500 | 0 | The New Frontier ETF Global Balanced Income Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 40/60 stock/bond ratio. This portfolio is designed for investors seeking current income with the potential for long term capital growth. The strategy invests in fifteen to twenty exchange traded funds. The New Frontier ETF Global Balanced Income Portfolio is a risk-targeted core investment optimized relative to a 40/60 stock/bond ratio. New Frontier employs our patented Michaud optimization and Michaud-Esch rebalancing test to structure and monitor the asset allocation. We choose quality ETFs that span investable global economic growth to construct the portfolios.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.4064 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Balanced Income Tax-Sensitive | | | | | | | | | | | | | | | | | 2013 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2013 | 0.2500 | 0 | The New Frontier ETF Global Balanced Income Tax-Sensitive Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 40/60 stock/bond ratio. This portfolio is designed for investors seeking current income and capital appreciation in a taxable account. The strategy invests in fifteen to twenty-five exchange traded funds. New Frontier's tax-sensitive portfolios do not just replace treasuries with municipal bonds as most tax-sensitive strategies do. Taxes are considered at every step of our unique portfolio construction process. We structure our trade and rebalancing decisions to minimize tax effects. Going from broad to specific, this includes avoiding trading without benefit, minimizing turnover, offsetting positive with negative capital gains, favoring small capital losses to capital gains, and favoring long term capital gains to short term. Also, we use ETFs, which provide more tax efficiency than mutual funds.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.4163 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Balanced Tax-Sensitive | | | | | | | | | | | | | | | | | 2014 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2014 | 0.2500 | 0 | The New Frontier ETF Global Balanced Tax-Sensitive Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 60/40 stock/bond ratio. This portfolio is designed to provide current income and long term capital growth in a taxable account. The strategy invests in fifteen to twenty-five exchange traded funds. New Frontier's tax-sensitive portfolios do not just replace treasuries with municipal bonds as most tax-sensitive strategies do. Taxes are considered at every step of our unique portfolio construction process. We structure our trade and rebalancing decisions to minimize tax effects. Going from broad to specific, this includes avoiding trading without benefit, minimizing turnover, offsetting positive with negative capital gains, favoring small capital losses to capital gains, and favoring long term capital gains to short term. Also, we use ETFs, which provide more tax efficiency than mutual funds.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.4217 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Equity | 02/28/2026 12:00:00 AM | 5.5778 | 23.0967 | 17.4376 | 9.1056 | 5.5778 | 19.3424 | 13.2714 | 18.3102 | -18.7014 | 16.5524 | 11.09 | 14.12 | | | | 1176 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1176 | 0.2500 | 0 | The New Frontier ETF Global Equity Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 100/0 stock/bond ratio. The all equity portfolio is designed to capture the growth of global equity markets over the long term. The strategy invests in ten to twenty exchange traded funds. The New Frontier ETF Global Equity Portfolio is a risk-targeted core investment optimized for all equity. New Frontier employs our patented Michaud optimization and Michaud-Esch rebalancing test to structure and monitor the asset allocation. We choose quality ETFs that span investable global economic growth to construct the portfolios.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.4060 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Equity Tax-Sensitive Portfolio | | | | | | | | | | | | | | | | | 2017 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2017 | 0.2500 | 0 | The New Frontier ETF Global Equity Tax-Sensitive Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 100/0 stock/bond ratio. The all equity portfolio is designed to capture the growth of global equity markets over the long term in a taxable account. The strategy invests in ten to twenty-five exchange traded funds. New Frontier's tax-sensitive portfolios do not just replace treasuries with municipal bonds as most tax-sensitive strategies do. Taxes are considered at every step of our unique portfolio construction process. We structure our trade and rebalancing decisions to minimize tax effects. Going from broad to specific, this includes avoiding trading without benefit, minimizing turnover, offsetting positive with negative capital gains, favoring small capital losses to capital gains, and favoring long term capital gains to short term. Also, we use ETFs, which provide more tax efficiency than mutual funds.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.4192 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Growth | 02/28/2026 12:00:00 AM | 5.7055 | 21.9856 | 16.8201 | 8.9080 | 5.7055 | 18.4213 | 12.6562 | 17.2198 | -17.6839 | 15.5896 | 10.45 | 13.39 | | | | 1175 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1175 | 0.2500 | 0 | The New Frontier ETF Global Growth Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 90/10 stock/bond ratio. This portfolio is designed for long term capital growth. The strategy invests in fifteen to twenty exchanged traded funds. The New Frontier ETF Global Growth Portfolio is a risk-targeted core investment optimized relative to a 90/10 stock/bond ratio. New Frontier employs our patented Michaud optimization and Michaud-Esch rebalancing test to structure and monitor the asset allocation. We choose quality ETFs that span investable global economic growth to construct the portfolios.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.4083 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Growth Tax-Sensitive | | | | | | | | | | | | | | | | | 2016 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2016 | 0.2500 | 0 | The New Frontier ETF Global Growth Tax-Sensitive Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 90/10 stock/bond ratio. This portfolio is designed for long term capital growth in a taxable account. The strategy invests in fifteen to twenty-five exchange traded funds. New Frontier's tax-sensitive portfolios do not just replace treasuries with municipal bonds as most tax-sensitive strategies do. Taxes are considered at every step of our unique portfolio construction process. We structure our trade and rebalancing decisions to minimize tax effects. Going from broad to specific, this includes avoiding trading without benefit, minimizing turnover, offsetting positive with negative capital gains, favoring small capital losses to capital gains, and favoring long term capital gains to short term. Also, we use ETFs, which provide more tax efficiency than mutual funds.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.4196 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Income | 02/28/2026 12:00:00 AM | 2.6527 | 8.5158 | 7.9389 | 3.1171 | 2.6527 | 8.4048 | 5.7932 | 7.7383 | -11.0665 | 2.7732 | 4.56 | 6.19 | | | | 1165 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1165 | 0.2500 | 0 | The New Frontier ETF Global Income Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 20/80 stock/bond ratio. This portfolio is designed for long term investors seeking current income. The strategy invests in fifteen to twenty exchange traded funds. The New Frontier ETF Global Income Portfolio is a risk-targeted core investment optimized relative to a 20/80 stock/bond ratio. New Frontier employs our patented Michaud optimization and Michaud-Esch rebalancing test to structure and monitor the asset allocation. We choose quality ETFs that span investable global economic growth to construct the portfolios.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.3996 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Global Income Tax-Sensitive | | | | | | | | | | | | | | | | | 2012 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2012 | 0.2500 | 0 | The New Frontier ETF Global Income Tax-Sensitive Portfolio is a risk-targeted core investment, consisting of ETF funds optimized relative to a 20/80 stock/bond ratio. This portfolio is designed for investors seeking current income in a taxable account. The strategy invests in fifteen to twenty exchange traded funds. New Frontier's tax-sensitive portfolios do not just replace treasuries with municipal bonds as most tax-sensitive strategies do. Taxes are considered at every step of our unique portfolio construction process. We structure our trade and rebalancing decisions to minimize tax effects. Going from broad to specific, this includes avoiding trading without benefit, minimizing turnover, offsetting positive with negative capital gains, favoring small capital losses to capital gains, and favoring long term capital gains to short term. Also, we use ETFs, which provide more tax efficiency than mutual funds.
Please visit https://newfrontieradvisors.com/ or contact us for more information.
| | | 0.4132 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Multi Asset Income Balanced | | | | | | | | | | | | | | | | | 2004 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2004 | 0.3500 | 0 | The New Frontier ETF Multi Asset Income Balanced Portfolio is a global strategic core ETF portfolio optimized relative to a 60/40 stock/bond ratio. The portfolio is designed to meet the needs of investors who desire sustainable income over extended investment horizons with balanced risk. New Frontier’s Multi-Asset Income portfolios are global strategic core ETF model portfolios designed for investors who want both long-term performance and consistent income. New Frontier creates and maintains the portfolios at three strategic risk levels with a our quantitative investment process. Since the portfolios aim for both market returns and income, they contain dividend-income-oriented ETFs as well as ETFs that offer significant diversification and risk management benefits. The resulting portfolios provide the opportunity to benefit from long-term price appreciation and enhanced income.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.6020 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Multi Asset Income Conservative | | | | | | | | | | | | | | | | | 2003 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2003 | 0.3500 | 0 | The New Frontier ETF Multi Asset Income Conservative Portfolio is a global strategic core ETF portfolio optimized relative to a 40/60 stock/bond ratio. The portfolio is designed to meet the needs of investors who desire sustainable income over extended investment horizons with minimal risk. New Frontier’s Multi-Asset Income portfolios are global strategic core ETF model portfolios designed for investors who want both long-term performance and consistent income. New Frontier creates and maintains the portfolios at three strategic risk levels with our quantitative investment process. Since the portfolios aim for both market returns and income, they contain dividend-income-oriented ETFs as well as ETFs that offer significant diversification and risk management benefits. The resulting portfolios provide the opportunity to benefit from long-term price appreciation and enhanced income.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.5839 |
| ModelxChange | New Frontier Advisors | New Frontier ETF Multi Asset Income Growth | | | | | | | | | | | | | | | | | 2005 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2005 | 0.3500 | 0 | The New Frontier ETF Multi Asset Income Growth Portfolio is a global strategic core ETF portfolio optimized relative to a 75/25 stock/bond ratio. The portfolio is designed to meet the needs of investors who desire sustainable income over extended investment horizons. New Frontier’s Multi-Asset Income portfolios are global strategic core ETF model portfolios designed for investors who want both long-term performance and consistent income. New Frontier creates and maintains the portfolios at three strategic risk levels with our quantitative investment process. Since the portfolios aim for both market returns and income, they contain dividend-income-oriented ETFs as well as ETFs that offer significant diversification and risk management benefits. The resulting portfolios provide the opportunity to benefit from long-term price appreciation and enhanced income.
Please visit https://newfrontieradvisors.com/ or contact us for more information. | | | 0.6079 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Aggressive Strategic Balanced Portfolio | | | | | | | | | | | | | | | | | 8104 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8104 | 0.2950 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 50% of the Portfolio's assets in U.S. stocks, 25% in international stocks, 13% in real assets and 12% in U.S. Fixed Income. By investing in the underlying SSGA Strategic Asset Allocation Strategies, the Portfolio seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. As noted above, the underlying investments in the model portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
The underlying Fund, or any of the investment pools in which it invests, may hold a portion of its assets in cash and cash instruments, including short-term investment vehicles managed by SSGA or an affiliate. SSGA will not normally enter into foreign currency exchange transactions for the Fund. The Fund's return may not match the return of its Index. | | | 0.3150 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Aggressive Strategic Balanced Portfolio (CIT) - DO NOT EDIT | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8476 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8476 | 0.2400 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 50% of the Portfolio's assets in U.S. stocks, 25% in international stocks, 13% in real assets and 12% in U.S. Fixed Income. The portfolio is managed by Mid Atlantic Financial Management, Inc. ("MAFM") and allocated to the Strategic Asset Allocation Strategies managed by State Street Global Advisors ("SSGA"). The strategy seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. The underlying investments in the portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company. | | | 0.6300 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Aggressive Strategic Balanced Portfolio (CIT) - MASTER | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8475 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8475 | 0.2400 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 50% of the Portfolio's assets in U.S. stocks, 25% in international stocks, 13% in real assets and 12% in U.S. Fixed Income. By investing in the underlying SSGA Strategic Asset Allocation Strategies, the Portfolio seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. As noted above, the underlying investments in the model portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
The underlying Fund, or any of the investment pools in which it invests, may hold a portion of its assets in cash and cash instruments, including short-term investment vehicles managed by SSGA or an affiliate. SSGA will not normally enter into foreign currency exchange transactions for the Fund. The Fund's return may not match the return of its Index. | | | 0.2600 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Conservative Strategic Balanced Portfolio | | | | | | | | | | | | | | | | | 8099 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8099 | 0.2950 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 15% of the Portfolio's assets in U.S. stocks, 7% in international stocks, 8% in real assets and 70% in U.S. Fixed Income. By investing in the underlying SSGA Strategic Asset Allocation Strategies, the Portfolio seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. As noted above, the underlying investments in the model portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
The underlying Fund, or any of the investment pools in which it invests, may hold a portion of its assets in cash and cash instruments, including short-term investment vehicles managed by SSGA or an affiliate. SSGA will not normally enter into foreign currency exchange transactions for the Fund. The Fund's return may not match the return of its Index. | | | 0.3150 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Conservative Strategic Balanced Portfolio (CIT) - DO NOT EDIT | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8468 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8468 | 0.2400 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 15% of the Portfolio's assets in U.S. stocks, 7% in international stocks, 8% in real assets and 70% in U.S. Fixed Income. The portfolio is managed by Mid Atlantic Financial Management, Inc. ("MAFM") and allocated to the Strategic Asset Allocation Strategies managed by State Street Global Advisors ("SSGA"). The strategy seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. The underlying investments in the portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
| | | 0.6300 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Conservative Strategic Balanced Portfolio (CIT) - MASTER | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8467 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8467 | 0.2400 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 15% of the Portfolio's assets in U.S. stocks, 7% in international stocks, 8% in real assets and 70% in U.S. Fixed Income. By investing in the underlying SSGA Strategic Asset Allocation Strategies, the Portfolio seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. As noted above, the underlying investments in the model portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
The underlying Fund, or any of the investment pools in which it invests, may hold a portion of its assets in cash and cash instruments, including short-term investment vehicles managed by SSGA or an affiliate. SSGA will not normally enter into foreign currency exchange transactions for the Fund. The Fund's return may not match the return of its Index. | | | 0.2600 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Moderate Aggressive Strategic Balanced Portfolio | | | | | | | | | | | | | | | | | 8103 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8103 | 0.2950 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 43% of the Portfolio's assets in U.S. stocks, 21% in international stocks, 11% in real assets and 25% in U.S. Fixed Income. By investing in the underlying SSGA Strategic Asset Allocation Strategies, the Portfolio seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. As noted above, the underlying investments in the model portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
The underlying Fund, or any of the investment pools in which it invests, may hold a portion of its assets in cash and cash instruments, including short-term investment vehicles managed by SSGA or an affiliate. SSGA will not normally enter into foreign currency exchange transactions for the Fund. The Fund's return may not match the return of its Index. | | | 0.3150 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Moderate Aggressive Strategic Balanced Portfolio (CIT) - DO NOT EDIT | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8474 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8474 | 0.2400 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 43% of the Portfolio's assets in U.S. stocks, 21% in international stocks, 11% in real assets and 25% in U.S. Fixed Income. The portfolio is managed by Mid Atlantic Financial Management, Inc. ("MAFM") and allocated to the Strategic Asset Allocation Strategies managed by State Street Global Advisors ("SSGA"). The strategy seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. The underlying investments in the portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company. | | | 0.6300 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Moderate Aggressive Strategic Balanced Portfolio (CIT) - MASTER | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8473 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8473 | 0.2400 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 43% of the Portfolio's assets in U.S. stocks, 21% in international stocks, 11% in real assets and 25% in U.S. Fixed Income. By investing in the underlying SSGA Strategic Asset Allocation Strategies, the Portfolio seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. As noted above, the underlying investments in the model portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
The underlying Fund, or any of the investment pools in which it invests, may hold a portion of its assets in cash and cash instruments, including short-term investment vehicles managed by SSGA or an affiliate. SSGA will not normally enter into foreign currency exchange transactions for the Fund. The Fund's return may not match the return of its Index. | | | 0.2600 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Moderate Conservative Strategic Balanced Portfolio | | | | | | | | | | | | | | | | | 8100 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8100 | 0.2950 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 25% of the Portfolio's assets in U.S. stocks, 12% in international stocks, 9% in real assets and 54% in U.S. Fixed Income. By investing in the underlying SSGA Strategic Asset Allocation Strategies, the Portfolio seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. As noted above, the underlying investments in the model portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
The underlying Fund, or any of the investment pools in which it invests, may hold a portion of its assets in cash and cash instruments, including short-term investment vehicles managed by SSGA or an affiliate. SSGA will not normally enter into foreign currency exchange transactions for the Fund. The Fund's return may not match the return of its Index. | | | 0.3150 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Moderate Conservative Strategic Balanced Portfolio (CIT) - DO NOT EDIT | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8470 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8470 | 0.2400 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 25% of the Portfolio's assets in U.S. stocks, 12% in international stocks, 9% in real assets and 54% in U.S. Fixed Income. The portfolio is managed by Mid Atlantic Financial Management, Inc. ("MAFM") and allocated to the Strategic Asset Allocation Strategies managed by State Street Global Advisors ("SSGA"). The strategy seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. The underlying investments in the portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company. | | | 0.6300 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Moderate Conservative Strategic Balanced Portfolio (CIT) - MASTER | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8469 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8469 | 0.2400 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 25% of the Portfolio's assets in U.S. stocks, 12% in international stocks, 9% in real assets and 54% in U.S. Fixed Income. By investing in the underlying SSGA Strategic Asset Allocation Strategies, the Portfolio seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. As noted above, the underlying investments in the model portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
The underlying Fund, or any of the investment pools in which it invests, may hold a portion of its assets in cash and cash instruments, including short-term investment vehicles managed by SSGA or an affiliate. SSGA will not normally enter into foreign currency exchange transactions for the Fund. The Fund's return may not match the return of its Index. | | | 0.2600 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Moderate Strategic Balanced Portfolio | | | | | | | | | | | | | | | | | 8101 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8101 | 0.2950 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 35% of the Portfolio's assets in U.S. stocks, 18% in international stocks, 10% in real assets and 37% in U.S. Fixed Income. By investing in the underlying SSGA Strategic Asset Allocation Strategies, the Portfolio seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. As noted above, the underlying investments in the model portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
The underlying Fund, or any of the investment pools in which it invests, may hold a portion of its assets in cash and cash instruments, including short-term investment vehicles managed by SSGA or an affiliate. SSGA will not normally enter into foreign currency exchange transactions for the Fund. The Fund's return may not match the return of its Index. | | | 0.3150 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Moderate Strategic Balanced Portfolio (CIT) - DO NOT EDIT | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8472 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8472 | 0.2400 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 35% of the Portfolio's assets in U.S. stocks, 18% in international stocks, 10% in real assets and 37% in U.S. Fixed Income. The portfolio is managed by Mid Atlantic Financial Management, Inc. ("MAFM") and allocated to the Strategic Asset Allocation Strategies managed by State Street Global Advisors ("SSGA"). The strategy seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. The underlying investments in the portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company. | | | 0.6300 |
| ModelxChange | NewEdge Advisors - HappYness Portfolios | HappYness Moderate Strategic Balanced Portfolio (CIT) - MASTER | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8471 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8471 | 0.2400 | 0 | The Portfolio seeks to offer a broad diversification and a disciplined rebalancing process by investing approximately 35% of the Portfolio's assets in U.S. stocks, 18% in international stocks, 10% in real assets and 37% in U.S. Fixed Income. By investing in the underlying SSGA Strategic Asset Allocation Strategies, the Portfolio seeks to offer allocations to developed and emerging market equities and U.S. aggregate and high yield bonds, along with a disciplined rebalancing process.
SSGA allocates the assets among the asset classes represented in the Fund's Index, rebalancing the Fund's exposures monthly. SSGA implements the Fund's asset allocations through investments in indexed investment vehicles, which attempt to approximate the returns of a specific index or group of indices. These vehicles will typically include investment pools (which may, but will not necessarily, be registered under the U.S. Investment Company Act of 1940, as amended) managed or sponsored by SSGA or an affiliate. As noted above, the underlying investments in the model portfolio will consist of collective investment trusts (CIT's) sponsored by State Street Global Advisors Trust Company.
The underlying Fund, or any of the investment pools in which it invests, may hold a portion of its assets in cash and cash instruments, including short-term investment vehicles managed by SSGA or an affiliate. SSGA will not normally enter into foreign currency exchange transactions for the Fund. The Fund's return may not match the return of its Index. | | | 0.2600 |
| ModelxChange | North Star Investment Management Corp | North Star Aggressive Model | 02/28/2026 12:00:00 AM | 2.6682 | 11.9109 | 12.4420 | 7.1086 | 2.6682 | 9.4722 | 13.5562 | 15.4530 | -14.0950 | 15.4783 | 8.22 | 10.24 | 0.89 | 0.38 | | 6156 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6156 | 0.1500 | 0 | Primary Objective is long term capital appreciation. The North Star Aggressive Model contains a mix of Equity and Fixed Income using investment vehicles of mutual funds and ETFs. The goal of the North Star Aggressive Model is to maintain a blend of 70% equity and 30% fixed income. The strategy of the North Star Aggressive Model is to invest in a combination of active and passively managed products.
The strategy will invest in short term bond funds, domestic growth ETFs and managed equity funds. The model also includes the North Star Opportunity Fund (NSOIX), which invests in a diversified portfolio of "Micro to Macro®" securities, the North Star Dividend Fund (NSDVX), which invests in dividend paying securities with market capitalizations under $2.5 billion, and the North Star Micro Cap Fund (NSMVX), which invests in micro-cap companies where market capitalizations are under $1 billion. North Star Investment Management is the Advisor on all three of these actively managed funds.
| | 0.0600 | 0.7456 |
| ModelxChange | North Star Investment Management Corp | North Star Conservative Model | 02/28/2026 12:00:00 AM | 0.6620 | 8.7079 | 9.1819 | 5.3357 | 0.6620 | 9.1561 | 9.3859 | 9.7693 | -9.3330 | 9.4600 | 4.07 | 5.77 | 1 | 0.33 | | 6154 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6154 | 0.1500 | 0 | This asset mix may be appropriate for investors who want to minimize the effect of market fluctuations by taking an income-oriented approach with preservation of capital and with some potential for capital appreciation. The North Star Conservative Model contains a mix of Equity and Fixed Income using mutual funds and ETFs. The goal of the North Star Conservative Model is to maintain a blend of 30% equity and 70% fixed income. The strategy of the North Star Conservative Model is to invest in a combination of active and passive managed products.
The strategy will invest in inflation protected public Treasury obligations, short term bond funds, domestic growth ETFs, and the North Star Opportunity Fund (NSOIX), which North Star Investment Management is the Advisor. The North Star Opportunity Fund’s goal is long term capital appreciation, and invests in a diversified portfolio of "Micro to Macro®" securities.
| | 0.0150 | 0.3759 |
| ModelxChange | North Star Investment Management Corp | North Star Moderate Model | 02/28/2026 12:00:00 AM | 1.4208 | 10.2086 | 10.6524 | 5.8370 | 1.4208 | 9.4909 | 11.2586 | 12.4254 | -11.8724 | 11.3905 | 6.24 | 7.9 | 0.89 | 0.32 | | 6155 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL6155 | 0.1500 | 0 | Primary Objective is capital appreciation and preservation of capital. The North Star Moderate Model contains a mix of Equity and Fixed Income using mutual funds and ETFs. The goal of the North Star Moderate Model is to maintain a blend of 50% equity and 50% fixed income. The strategy of the North Star Moderate Model is to invest in a combination of active and passively managed products.
The strategy will invest in inflation protected public Treasury obligations, short term bond funds, domestic growth ETFs and managed equity funds. The model also includes the North Star Opportunity Fund (NSOIX) which invests in a diversified portfolio of "Micro to Macro®" securities, the North Star Dividend Fund (NSDVX), which invests in dividend paying securities with market capitalizations under $2.5 billion, and the North Star Micro Cap Fund (NSMVX), which invests in micro-cap companies where market capitalizations are under $1 billion. North Star Investment Management is the Advisor on all three of these actively managed funds.
| | 0.0375 | 0.5596 |
| ModelxChange | OBS Financial | DFA/EFS 100/0 Portfolio | | | | | | | | | | | | | | | | | 137 | Aggressive Allocation | | 0.2500 | 0 | The DFA/EFS 100/0% Portfolio is the most aggressive portfolio and offers full exposure to the stock market. The DFA/EFS 100/0% Portfolio is diversified between domestic and international stocks, with no exposure to the bond markets. The DFA/EFS Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS 20/80 Portfolio | | | | | | | | | | | | | | | | | 129 | Conservative Allocation | | 0.2500 | 0 | The DFA/EFS 20/80% Portfolio provides investors with the opportunity to build wealth through a conservative risk managed approach. With 80% of the portfolio invested in fixed income assets, exposure to the stock market is limited, while the bond markets provide a consistent stream of income for the investor. To keep pace with inflation, the portfolio invests 20% into the stock market, which raises the growth potential over that of a portfolio void of stock exposure. The DFA/EFS Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS 40/60 Portfolio | | | | | | | | | | | | | | | | | 130 | Moderately Conservative Allocation | | 0.2500 | 0 | The DFA/EFS 40/60% provides a balanced investment approach with a conservative emphasis. The portfolio has a healthy exposure to the stock market, with 40% of its assets diversified throughout, and is moderated by a strong bond presence. With 60% of the portfolio assets in the bond market, the investor can receive a consistent stream of income with protection from a volatile stock market. The DFA/EFS Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS 50/50 Portfolio | | | | | | | | | | | | | | | | | 132 | Moderate Allocation | | 0.2500 | 0 | The DFA/EFS 50/50 Portfolio aims to provide a balance between capital preservation and capital appreciation. With a 50/50 exposure to equity and fixed income, the portfolio is designed for those who are most comfortable with a balanced approach and have a moderate tolerance for investment fluctuations. The DFA/EFS Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS 60/40 Portfolio | | | | | | | | | | | | | | | | | 134 | Moderate Allocation | | 0.2500 | 0 | The DFA/EFS 60/40 Portfolio provides a fairly balanced investment approach with an emphasis on long-term growth. The portfolio is more resistant to inflation with an increased potential for larger returns. Its 40% bond presence provides income to the investor and helps dampen volatility during a stock market downturn The DFA/EFS Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS 70/30 Portfolio | | | | | | | | | | | | | | | | | 135 | Moderately Aggressive Allocation | | 0.2500 | 0 | The DFA/EFS 70/30 Portfolio provides a sizeable exposure to the stock market, with a more aggressive approach towards increasing growth. There is a small exposure to fixed income, providing marginal income generation and downside protection. The DFA/EFS Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS 80/20 Portfolio | | | | | | | | | | | | | | | | | 136 | Moderately Aggressive Allocation | | 0.2500 | 0 | The DFA/EFS 80/20% Portfolio provides substantial exposure to the global stock market, with an aggressive approach towards growth. A small bond presence is maintained, but income generation and downside protection is limited. The DFA/EFS Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS Income | | | | | | | | | | | | | | | | | 985 | Intermediate Core Bond | | 0.2500 | 0 | The overall investment objective of the DFA/EFS Income Portfolio is to maximize total return by providing a steady stream of income to the investor. The portfolio has the ability to invest in a full range of investment grade bonds with extended maturities. The investor remains diversified by investing in various types of government and corporate issues of diverse quality, geographical region, and maturity. The DFA/EFS Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS Retirement 0/100 | | | | | | | | | | | | | | | | | 1557 | Intermediate Core Bond | | 0.2500 | 0 | The overall investment objective of the DFA/EFS Retirement 0/100 Portfolio is to maximize total return by providing a steady stream of income to the investor. The portfolio has the ability to invest in a full range of investment grade bonds with extended maturities. The investor remains diversified by investing in various types of government and corporate issues of diverse quality, geographical region, and maturity. | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS Retirement 20/80 | | | | | | | | | | | | | | | | | 992 | Conservative Allocation | | 0.2500 | 0 | The DFA/EFS Retirement 20/80 Portfolio provides investors with an opportunity to build wealth through a conservative risk managed approach, while using a full core strategy to reduce expenses and trade costs. With 80% of the portfolio invested in fixed income assets, exposure to the stock market is limited, and the bond markets provide a consistent stream of income for the investor. To keep pace with inflation, the portfolio invests 20% into the stock market, which slightly raises the growth potential. The DFA/EFS Retirement Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. The models were constructed to align with the guidelines set forth by the DOL and ERISA, in order to qualify as a prudent retirement portfolio and a Qualified Default Investment Alternative (QDIA). | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS Retirement 40/60 | | | | | | | | | | | | | | | | | 991 | Moderately Conservative Allocation | | 0.2500 | 0 | The DFA/EFS Retirement 40/60 provides a balanced investment approach with a conservative emphasis, while using a full core strategy to reduce expenses and trade costs. The portfolio has a healthy exposure to the stock market, with 40% of its assets diversified throughout, and is moderated by a strong bond presence. With 60% of the portfolio assets in the bond market, the investor can receive a consistent stream of income with protection from a volatile stock market. The DFA/EFS Retirement Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. The models were constructed to align with the guidelines set forth by the DOL and ERISA, in order to qualify as a prudent retirement portfolio and a Qualified Default Investment Alternative (QDIA). | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS Retirement 50/50 | | | | | | | | | | | | | | | | | 990 | Moderate Allocation | | 0.2500 | 0 | The DFA/EFS Retirement 50/50 Portfolio aims to provide a balance between capital preservation and capital appreciation, while using a full core strategy to reduce expenses and trade costs. With a 50/50 exposure to equity and fixed income, the portfolio is designed for those who are most comfortable with a balanced approach and have a moderate tolerance for investment fluctuations. The DFA/EFS Retirement Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. The models were constructed to align with the guidelines set forth by the DOL and ERISA, in order to qualify as a prudent retirement portfolio and a Qualified Default Investment Alternative (QDIA). | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS Retirement 60/40 | | | | | | | | | | | | | | | | | 989 | Moderate Allocation | | 0.2500 | 0 | The DFA/EFS 60/40 Retirement Portfolio provides a fairly balanced investment approach with an emphasis on long-term growth, while using a full core strategy to reduce expenses and trade costs. The portfolio is more resistant to inflation with an increased potential for larger returns. Its 40% bond presence provides income to the investor and helps dampen volatility during a stock market downturn. The DFA/EFS Retirement Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. The models were constructed to align with the guidelines set forth by the DOL and ERISA, in order to qualify as a prudent retirement portfolio and a Qualified Default Investment Alternative (QDIA). | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS Retirement 70/30 | | | | | | | | | | | | | | | | | 988 | Moderately Aggressive Allocation | | 0.2500 | 0 | The DFA/EFS 70/30 Retirement Portfolio provides a sizeable exposure to the stock market, with a more aggressive approach towards increasing long-term growth, while using a full core strategy to reduce expenses and trade costs. There is a small exposure to fixed income, providing marginal income generation and downside protection. The DFA/EFS Retirement Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. The models were constructed to align with the guidelines set forth by the DOL and ERISA, in order to qualify as a prudent retirement portfolio and a Qualified Default Investment Alternative (QDIA). | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS Retirement 80/20 | | | | | | | | | | | | | | | | | 987 | Moderately Aggressive Allocation | | 0.2500 | 0 | The DFA/EFS Retirement 80/20 Portfolio provides substantial exposure to the global stock market, with an aggressive approach towards long-term growth, while using a full core strategy to reduce expenses and trade costs. A small bond presence is maintained, but income generation and downside protection is limited. The DFA/EFS Retirement Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. The models were constructed to align with the guidelines set forth by the DOL and ERISA, in order to qualify as a prudent retirement portfolio and a Qualified Default Investment Alternative (QDIA). | | | 0.2500 |
| ModelxChange | OBS Financial | DFA/EFS Retirement 90/10 | | | | | | | | | | | | | | | | | 986 | Aggressive Allocation | | 0.2500 | 0 | The DFA/EFS Retirement 90/10 Portfolio is the most aggressive portfolio and offers the largest exposure to the stock market in an effort to promote long-term capital appreciation, while using a full core strategy to reduce expenses and trade costs. The DFA/EFS 90/10 Portfolio is diversified between domestic and international stocks, with minimal exposure to the bond markets. The DFA/EFS Retirement Model Portfolios are engineered to provide globally diversified portfolios at minimal costs, while providing consistent and tolerable exposure to premiums that exist in capital markets. Each model is designed to capture a specific risk/return profile that is suitable for a specific client’s investment needs and risk tolerances. The models were constructed to align with the guidelines set forth by the DOL and ERISA, in order to qualify as a prudent retirement portfolio and a Qualified Default Investment Alternative (QDIA). | | | 0.2500 |
| ModelxChange | Potomac Fund Managment, Inc. | Potomac Bull Bear | 02/28/2026 12:00:00 AM | -1.6667 | 18.8223 | 15.9623 | 11.9134 | -1.6667 | 21.7700 | 15.6174 | 16.0631 | -6.0756 | 22.8135 | 16.57 | 16.65 | 0.69 | 0.55 | | 12386 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12386 | 0.0000 | 0 | The strategy employs a “Core and Explore” investment philosophy using a suite of affiliated tactical mutual funds. Bull Bear will hold a Core (70%-80%) position that will focus on providing tactical leveraged exposure to a major market index. Then the Explore (20%-30%) portion will use momentum to rotate among a group of tactical funds.
The underlying funds utilize a combination of dynamic asset allocation and mechanical system trading. Additionally, they employ risk management techniques including the use of inverse, treasuries, and cash positions during adverse market conditions; cash positions could at times be 100%.
Learn more here: https://potomacfund.com/strategies/bullbear/ | | | 1.4440 |
| ModelxChange | Potomac Fund Managment, Inc. | Potomac Guardian | 02/28/2026 12:00:00 AM | 4.1364 | 15.2627 | 10.0576 | 6.1725 | 4.1364 | 10.7155 | 10.1339 | 3.0283 | -0.9939 | 8.6519 | 8.82 | 9.18 | 0.59 | 0.32 | | 12397 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12397 | 0.0000 | 0 | The strategy employs a “Core and Explore” investment philosophy using a suite of affiliated tactical mutual funds. Guardian will hold a Core (70%-80%) position that will focus on diversified and defensive equity exposure. Then the Explore (20%-30%) portion will use momentum to rotate among a group of tactical funds.
The underlying funds utilize a combination of dynamic asset allocation and mechanical system trading. Additionally, they employ risk management techniques including the use of inverse and cash positions during adverse market conditions; cash positions could at times be 100%.
Learn more here: https://potomacfund.com/strategies/guardian/ | | | 1.5730 |
| ModelxChange | Potomac Fund Managment, Inc. | Potomac Income Plus | 02/28/2026 12:00:00 AM | 0.9291 | 7.6396 | 5.4058 | 3.7029 | 0.9291 | 7.0523 | 3.5336 | 1.9256 | 3.0316 | 2.4198 | 4.82 | 5.61 | 0.12 | 0.06 | | 12398 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12398 | 0.0000 | 0 | The strategy employs a “Core and Explore” investment philosophy using a suite of affiliated tactical mutual funds. Income Plus will hold a Core (70%-80%) position that will focus on absolute return and low daily volatility. Then the Explore (20%-30%) portion will use momentum, to rotate among a group of tactical funds.
The underlying funds utilize a combination of dynamic asset allocation and mechanical system trading. Additionally, they employ risk management techniques including the use of inverse and cash positions during adverse market conditions; cash positions could at times be 100%.
Learn more here: https://potomacfund.com/strategies/incomeplus/ | | | 1.6330 |
| ModelxChange | Potomac Fund Managment, Inc. | Potomac Navigrowth | 02/28/2026 12:00:00 AM | 2.5035 | 14.8236 | 11.4494 | 4.1916 | 2.5035 | 12.2865 | 8.7730 | 13.6869 | -11.2765 | 1.2251 | 12.57 | 12.17 | 0.54 | 0.11 | | 12399 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12399 | 0.0000 | 0 | The strategy employs a “Core and Explore” investment philosophy using a suite of affiliated tactical mutual funds. Navigrowth will hold a Core (70%-80%) position that will focus on opportunistic domestic and international growth. Then the Explore (20%-30%) portion will use momentum to rotate among a group of tactical funds.
The underlying funds utilize a combination of dynamic asset allocation and mechanical system trading. Additionally, they employ risk management techniques including the use of inverse and cash positions during adverse market conditions; cash positions could at times be 100%.
Learn more here: https://potomacfund.com/strategies/navigrowth/ | | | 1.6930 |
| ModelxChange | Provident Capital Management | PCM Absolute Bond Composite | | | | | | | | | | | | | | | | | 383 | Global Bond | | 0.5000 | 0 | The primary objective of the Absolute Bond strategy is low volatility and consistent income. The secondary objective is preservation of capital. The quantitative strategy will achieve its objectives by investing in a proprietary allocation of various domestic and international debt instruments of varying durations and credit quality. By using inverse ETFs, PCM’s Risk Management Overlay may allow the capture of positive returns in periods of falling markets. The strategy may reallocate bi-monthly. The PCM Absolute Bond strategy may be reallocated bi-monthly. It uses a quantitative approach to select the top ETF’s. The approach uses multiple price strength factors counter-weighted against a volatility component of each respective ETF. In addition to meeting the above criteria, inclusion in the active strategy also requires that the ETF’s selected be above trend. Those ETF’s chosen that do not meet the inclusion criteria will rotate into a cash equivalent ETF. | | | 0.5000 |
| ModelxChange | Provident Capital Management | PCM Alpha 1 Total Return Composite | | | | | | | | | | | | | | | | | 1188 | | | 0.5000 | 0 | The objective of PCM’s Alpha One strategy is total return regardless of market direction. The strategy seeks to achieve its objective by selecting investments from a multi-asset class basket of ETFs; including domestic and international equities, global bonds, major currencies, broad commodities, and precious metals. By using inverse ETFs, PCM’s Risk Management Overlay may allow the capture of positive returns in periods of falling markets. PCM Alpha One SM may reallocate bi-monthly. The PCM Alpha One Strategy may be reallocated bi-monthly. It uses a quantitative approach to select the top ETF. The approach uses multiple price strength factors counter-weighted against a volatility component of each respective ETF. In addition to meeting the above criteria, inclusion in the active strategy also requires that the ETF selected be above trend. Should the ETF chosen not meet the inclusion criteria the strategy will rotate into a cash equivalent ETF. | | | 0.5000 |
| ModelxChange | Provident Capital Management | PCM Global Macro 3 Index | | | | | | | | | | | | | | | | | 1163 | Moderate Allocation | | 0.5000 | 0 | The objective of PCM’s Global Macro 3 Strategy is to achieve positive total return regardless of market direction through broad exposure to a multi-asset basket of preferred equities, U.S. and international equities, broad commodities, precious metals, and global bonds across the yield curve. PCM’s Risk Management Overlay, by using inverse ETFs, may allow the capture of positive returns in periods of falling markets. The Strategy may hold long and inverse positions simultaneously in various asset classes or similar asset class. The Strategy may rotate bi-monthly. PCM’s Global Macro 3 Strategy uses a quantitative approach to select the top ETF’s. The approach uses multiple price strength factors counter-weighted against a volatility component of each respective ETF. In addition to meeting the above criteria, inclusion in the active strategy also requires that the ETF’s selected be above trend. Those ETF’s chosen that do not meet the inclusion criteria will rotate into a cash equivalent ETF. | | | 0.5000 |
| ModelxChange | Provident Capital Management | PCM Global Macro Composite | | | | | | | | | | | | | | | | | 386 | Moderately Conservative Allocation | | 0.5000 | 0 | The objective of PCM’s Global Macro Strategy is total return through broad asset classes including global equities, fixed income, major currencies, precious metals, and commodity ETFs. By using inverse ETFs, PCM’s Risk Management Overlay may allow the capture of positive returns in periods of falling markets. The Strategy may hold long and inverse (short) positions simultaneously. This creates a multi -directional strategy, making it possible to have gains when markets decline. This Strategy may rotate on a monthly basis. PCM’s Global Macro strategy uses a quantitative approach to select the top ETF’s. The approach uses multiple price strength factors counter-weighted against a volatility component of each respective ETF. In addition to meeting the above criteria, inclusion in the active strategy also requires that the ETF’s selected be above trend. Those ETF’s chosen that do not meet the inclusion criteria will rotate into a cash equivalent ETF. | | | 0.5000 |
| ModelxChange | Provident Capital Management | PCM Global Tactical Index | | | | | | | | | | | | | | | | | 387 | Moderate Allocation | | 0.5000 | 0 | The objective of PCM's Global Tactical Strategy is consistent positive total return. The Strategy will achieve its objective through targeted exposure to international and country-specific equities, fixed income, key currencies, U.S. sectors and commodities. PCM’s Risk Management Overlay, by using inverse ETFs, may allow the capture of positive returns in periods of falling markets. The Strategy may hold long and inverse (short) positions simultaneously in various asset classes or similar asset class. The Strategy may rotate bi-monthly. PCM’s Global Tactical strategy uses a quantitative approach to select the top ETF’s. The approach uses multiple price strength factors counter-weighted against a volatility component of each respective ETF. In addition to meeting the above criteria, inclusion in the active strategy also requires that the ETF’s selected be above trend. Those ETF’s chosen that do not meet the inclusion criteria will rotate into a cash equivalent ETF. | | | 0.5000 |
| ModelxChange | Provident Capital Management | PCM U.S. Industries Total Return Composite | | | | | | | | | | | | | | | | | 397 | Large Blend | | 0.5000 | 0 | The objective of PCM’s U.S. Industries Total Return Strategy is positive returns regardless of market direction. It will achieve its objective by investing in a proprietary allocation of investments quantitatively selected from among 23 U.S. industry and/or sectors and two equity inverse ETF’s. PCM’s Risk Management Overlay, by using inverse ETFs, may allow the capture of positive returns in periods of falling markets. The Strategy may hold long and inverse (short) positions simultaneously in various industries or similar industries. This Strategy may reallocate monthly. The U. S. Industries Total Return strategy will normally be reallocated around the beginning of each calendar month using a quantitative approach to select the top ETFs. The approach uses multiple price strength factors counter-weighted against a volatility component of each respective ETF. In addition to meeting the above criteria, inclusion in the strategy also requires that the ETF's selected be above its long term trend. Those ETF’s chosen that do not meet the inclusion criteria will rotate into a cash equivalent ETF. | | | 0.5000 |
| ModelxChange | Provident Capital Management | Portfolio: Absolute Conservative | | | | | | | | | | | | | | | | | 391 | Moderately Conservative Allocation | | 0.5000 | 0 | The objective of PCM’s Conservative Portfolio Strategy is total return while minimizing overall portfolio drawdown. To achieve its objective the portfolio is constructed with a proprietary allocation to PCM’s Absolute Global Macro, Global Tactical, Bond, Commodity, Equity Income, Metals, and US Bond Total Return strategies within a unified managed account. PCM’s Risk Management Overlay, by using inverse ETFs, may allow the capture of positive returns in periods of falling markets. The Strategy may hold long and inverse (short) positions simultaneously. 45 percent of the Strategy portfolio may rotate on a bi-monthly basis the remaining 55 percent may rotate on a monthly basis PCM’s Absolute Conservative Portfolio Strategy uses a quantitative approach to select the top ETF’s. The approach uses multiple price strength factors counter-weighted against a volatility component of each respective ETF. In addition to meeting the above criteria, inclusion in the active strategy also requires that the ETF’s selected be above trend. Those ETF’s chosen that do not meet the inclusion criteria will rotate into a cash equivalent ETF. | | | 0.5000 |
| ModelxChange | Provident Capital Management | Portfolio: Absolute Stable Growth Plus+ | | | | | | | | | | | | | | | | | 394 | Moderate Allocation | | 0.5000 | 0 | The objective of PCM’s Stable Growth Plus Portfolio SM is growth Plus income. The Strategy will strive to achieve its objective via a quantitatively selected allocation to PCM's Global Tactical, Global Macro 3M, Bond, Currency, Alpha 1 and Absolute U.S. Sectors strategies within a unified managed account. Forty-five percent of the Strategy portfolio may reallocate on a bi-monthly basis, while the remaining fifty-five percent may reallocate on a monthly basis. The Absolute Stable Growth Plus strategy uses a quantitative approach to select the top ETF’s. The approach uses multiple price strength factors counter-weighted against a volatility component of each respective ETF. In addition to meeting the above criteria, inclusion in the active strategy also requires that the ETF’s selected be above trend. Those ETF’s chosen that do not meet the inclusion criteria will rotate into a cash equivalent ETF. | | | 0.5000 |
| ModelxChange | Provident Capital Management | Portfolio: PCM Total Return | | | | | | | | | | | | | | | | | 444 | Moderate Allocation | | 0.5000 | 0 | The objective of PCM’s Total Return Portfolio Strategy is consistent positive total returns with low draw down. The Strategy will achieve its objective via a quantitatively selected allocation to PCM's Absolute Bond, Absolute Currency, Absolute Equity Income, Global Tactical, Managed TIPS, and Global Macro 3 strategies within a unified managed account. 27.5 percent of the Strategy may rotate on a bimonthly basis the remaining 72.5 percent may reallocate on a monthly basis. PCM’s Absolute Total Return Portfolio Strategy uses a quantitative approach to select the top ETF’s. The approach uses multiple price strength factors counter-weighted against a volatility component of each respective ETF. In addition to meeting the above criteria, inclusion in the active strategy also requires that the ETF’s selected be above trend. Those ETF’s chosen that do not meet the inclusion criteria will rotate into a cash equivalent ETF. | | | 0.5000 |
| ModelxChange | Provident Capital Management | U.S. Bond Total Return Index | | | | | | | | | | | | | | | | | 398 | Multisector Bond | | 0.5000 | 0 | The primary objective of the U.S. Bond Total Return Strategy is consistent positive total returns through a quantitative investment model focused exclusively in U.S. bonds. Preservation of capital is a secondary objective. The Strategy will achieve its objective by investing in a proprietary allocation of various domestic debt instruments of varying durations and credit quality. PCM’s Risk Management Overlay, by using inverse ETFs, may allow the capture of positive returns in periods of falling markets. The strategy may hold long and inverse positions simultaneously. This Strategy will rotate bimonthly. PCM’s U. S. Bond Total Return Strategy uses a quantitative approach to select the top ETF’s. The approach uses multiple price strength factors counter-weighted against a volatility component of each respective ETF. In addition to meeting the above criteria, inclusion in the active strategy also requires that the ETF’s selected be above trend. Those ETF’s chosen that do not meet the inclusion criteria will rotate into a cash equivalent ETF. | | | 0.5000 |
| ModelxChange | Prudent Investor Advisors | MFDA CD Portfolio | 02/28/2026 12:00:00 AM | 0.0271 | 0.1584 | 0.1568 | | 0.0271 | 0.1581 | 0.1567 | 0.1553 | 0.1527 | | 0 | | -1738.37 | | | 9823 | Miscellaneous Sector | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9823 | 0.0000 | 0 | CD Portfolio for non-guaranteed funeral contracts. This portfolio holds depository investments that are guaranteed. | | 0.2500 | 0.0000 |
| ModelxChange | Prudent Investor Advisors | MFDA CD Portfolio QFT | 02/28/2026 12:00:00 AM | 0.0268 | 0.1528 | 0.1549 | | 0.0268 | 0.1526 | 0.1567 | 0.1558 | 0.1538 | | 0 | | -1299.47 | | | 9824 | Miscellaneous Sector | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL9824 | 0.0000 | 0 | This is a portfolio for non-guaranteed funeral contracts. This portfolio is a depository investment with guaranteed investments. | | 0.2500 | 0.0000 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 0/100 Portfolio - Series II | | | | | | | | | | | | | | | | | 1352 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1352 | 0.2000 | 0 | The PIA Dimensions 0/100 Portfolio - Series II is intended for investors with an ultra-conservative tolerance for risk. Comprised of 0% equity funds and 100% fixed income funds, the Portfolio seeks current income with minimal growth of capital over long time horizons. This portfolio will experience moderate short-term volatility. The portfolio is monitored and is automatically rebalanced on an annual basis or as needed. The PIA Dimensions Portfolios - Series II, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Each PIA Dimensions Portfolio - Series II holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.3550 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 100/0 Portfolio | | | | | | | | | | | | | | | | | 441 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL441 | 0.2000 | 0 | The PIA Dimensions 100/00 Portfolio is intended for investors with an aggressive tolerance for risk. Comprised of 100% equity funds and 00% fixed income funds, the Portfolio seeks aggressive growth of capital over long time horizons. This portfolio will experience significant short-term volatility. The portfolio is monitored and automatically rebalanced on a quarterly basis or as needed. PIA Dimensions Portfolios
The PIA Dimensions Portfolios, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Compared to the broad-based market, each PIA Dimensions Portfolio holds a larger proportion of small company stocks and value stocks. This approach is the result of global evidence that such stocks have above-average expected returns and provide significant diversification benefits when combined with large company stocks and/or growth stocks in a portfolio. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. A plan participant that chooses a PIA Dimensions Portfolio replaces forecasting and guesswork with a disciplined, professional approach that incorporates the benefits of investment theory developed over the last four decades. Selecting a PIA Dimensions Portfolio represents a thoughtful and diversified approach for plan participants.
Each PIA Dimensions Portfolio holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.4130 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 100/0 Portfolio - Series II | 02/28/2026 12:00:00 AM | 7.0675 | 26.9358 | 18.3580 | 11.6266 | 7.0675 | 21.5612 | 12.5997 | 18.5184 | -13.9806 | 21.7057 | 11.02 | 14.44 | 1.16 | 0.6 | | 1337 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1337 | 0.2000 | 0 | The PIA Dimensions 100/0 Portfolio - Series II is intended for investors with an aggressive tolerance for risk. Comprised of 100% equity funds and 00% fixed income funds, the Portfolio seeks aggressive growth of capital over long time horizons. This portfolio will experience significant short-term volatility. The portfolio is monitored and automatically rebalanced on a quarterly basis or as needed. The PIA Dimensions Portfolios - Series II, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Each PIA Dimensions Portfolio - Series II holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.4270 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 20/80 Portfolio | | | | | | | | | | | | | | | | | 442 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL442 | 0.2000 | 0 | The PIA Dimensions 20/80 Portfolio is intended for investors with a Conservative tolerance for risk. Comprised of 20% equity funds and 80% fixed income funds, the Portfolio seeks conservative growth of capital over long time horizons. This portfolio will experience moderate short-term volatility. The portfolio is monitored and automatically rebalanced on a quarterly basis or as needed. PIA Dimensions Portfolios
The PIA Dimensions Portfolios, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Compared to the broad-based market, each PIA Dimensions Portfolio holds a larger proportion of small company stocks and value stocks. This approach is the result of global evidence that such stocks have above-average expected returns and provide significant diversification benefits when combined with large company stocks and/or growth stocks in a portfolio. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. A plan participant that chooses a PIA Dimensions Portfolio replaces forecasting and guesswork with a disciplined, professional approach that incorporates the benefits of investment theory developed over the last four decades. Selecting a PIA Dimensions Portfolio represents a thoughtful and diversified approach for plan participants.
Each PIA Dimensions Portfolio holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.3322 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 20/80 Portfolio - Series II | 02/28/2026 12:00:00 AM | 2.3969 | 9.4910 | 7.7846 | 3.8359 | 2.3969 | 8.6841 | 5.5193 | 8.0730 | -8.3220 | 4.3031 | 3.61 | 5.19 | | | | 1349 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1349 | 0.2000 | 0 | The PIA Dimensions 20/80 Portfolio - Series II is intended for investors with a conservative tolerance for risk. Comprised of 20% equity funds and 80% fixed income funds, the Portfolio seeks conservative growth of capital over long time horizons. This portfolio will experience moderate short-term volatility. The portfolio is monitored and is automatically rebalanced on an annual basis or as needed. The PIA Dimensions Portfolios - Series II, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Each PIA Dimensions Portfolio - Series II holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.3706 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 30/70 Portfolio - Series II | | | | | | | | | | | | | | | | | 1351 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1351 | 0.2000 | 0 | The PIA Dimensions 30/70 Portfolio - Series II is intended for investors with a Moderate tolerance for risk. Comprised of 30% equity funds and 70% fixed income funds, the Portfolio seeks conservative growth of capital over long time horizons. This portfolio will experience large short-term volatility. The portfolio is monitored and is automatically rebalanced on an annual basis or as needed. The PIA Dimensions Portfolios - Series II, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Each PIA Dimensions Portfolio - Series II holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.3771 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 40/60 Portfolio - Series II | 02/28/2026 12:00:00 AM | 3.5983 | 13.6793 | 10.3503 | 5.8734 | 3.5983 | 11.7094 | 7.2384 | 10.7293 | -9.3585 | 8.7451 | 5.4 | 7.37 | | | | 1348 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1348 | 0.2000 | 0 | The PIA Dimensions 40/60 Portfolio - Series II is intended for investors with a Moderate tolerance for risk. Comprised of 40% equity funds and 60% fixed income funds, the Portfolio seeks conservative growth of capital over long time horizons. This portfolio will experience large short-term volatility. The portfolio is monitored and is automatically rebalanced on an annual basis or as needed. The PIA Dimensions Portfolios - Series II, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Each PIA Dimensions Portfolio - Series II holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.3857 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 50/50 Portfolio - Series II | 02/28/2026 12:00:00 AM | 4.2252 | 15.6478 | 11.6163 | 6.8548 | 4.2252 | 13.0130 | 8.1862 | 12.0293 | -9.9880 | 11.1186 | 6.37 | 8.53 | | | | 1347 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1347 | 0.2000 | 0 | The PIA Dimensions 50/50 Portfolio - Series II is intended for investors with a moderate tolerance for risk. Comprised of 50% equity funds and 50% fixed income funds, the portfolio seeks moderate growth of capital over long time horizons. This portfolio will experience large short-term volatility. The portfolio is monitored and is automatically rebalanced on an annual basis or as needed. The PIA Dimensions Portfolios - Series II, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Each PIA Dimensions Portfolio - Series II holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.3938 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 60/40 Portfolio | | | | | | | | | | | | | | | | | 440 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL440 | 0.2000 | 0 | The PIA Dimensions 60/40 Portfolio is intended for investors with a moderate tolerance for risk. Comprised of 60% equity funds and 40% fixed income funds, the Portfolio seeks moderate growth of capital over long time horizons. This portfolio will experience significant short-term volatility. The portfolio is monitored and automatically rebalanced on a quarterly basis or as needed. PIA Dimensions Portfolios
The PIA Dimensions Portfolios, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Compared to the broad-based market, each PIA Dimensions Portfolio holds a larger proportion of small company stocks and value stocks. This approach is the result of global evidence that such stocks have above-average expected returns and provide significant diversification benefits when combined with large company stocks and/or growth stocks in a portfolio. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. A plan participant that chooses a PIA Dimensions Portfolio replaces forecasting and guesswork with a disciplined, professional approach that incorporates the benefits of investment theory developed over the last four decades. Selecting a PIA Dimensions Portfolio represents a thoughtful and diversified approach for plan participants.
Each PIA Dimensions Portfolio holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.3726 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 60/40 Portfolio - Series II | 02/28/2026 12:00:00 AM | 5.0643 | 18.3496 | 13.0026 | 7.8623 | 5.0643 | 14.8677 | 8.8901 | 13.2748 | -10.9969 | 13.6675 | 7.37 | 9.75 | | | | 1346 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1346 | 0.2000 | 0 | The PIA Dimensions 60/40 Portfolio - Series II is intended for investors with a moderate tolerance for risk. Comprised of 60% equity funds and 40% fixed income funds, the portfolio seeks moderate growth of capital over long time horizons. This portfolio will experience large short-term volatility. The portfolio is monitored and is automatically rebalanced on an annual basis or as needed. The PIA Dimensions Portfolios - Series II, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Each PIA Dimensions Portfolio - Series II holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.4013 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 70/30 Portfolio - Series II | 02/28/2026 12:00:00 AM | 5.9456 | | | | 5.9456 | | 10.2156 | 14.8002 | -12.9543 | 15.2421 | | | | | | 1345 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1345 | 0.2000 | 0 | The PIA Dimensions 70/30 Portfolio - Series II is intended for investors with an aggressive tolerance for risk. Comprised of 70% equity funds and 30% fixed income funds, the Portfolio seeks aggressive growth of capital over long time horizons. This portfolio will experience significant short-term volatility. The portfolio is monitored and is automatically rebalanced on an annual basis or as needed. The PIA Dimensions Portfolios - Series II, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Each PIA Dimensions Portfolio - Series II holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.4094 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 80/20 Portfolio - Series II | 02/28/2026 12:00:00 AM | 6.2064 | 22.6778 | 15.7669 | 10.2963 | 6.2064 | 17.9850 | 11.1286 | 15.8805 | -10.4958 | 18.0102 | 9.27 | 11.87 | | | | 1344 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1344 | 0.2000 | 0 | The PIA Dimensions 80/20 Portfolio - Series II is intended for investors with an aggressive tolerance for risk. Comprised of 80% equity funds and 20% fixed income funds, the Portfolio seeks aggressive growth of capital over long time horizons. This portfolio will experience significant short-term volatility. The portfolio is monitored and is automatically rebalanced on an annual basis or as needed. The PIA Dimensions Portfolios - Series II, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Each PIA Dimensions Portfolio - Series II holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.4164 |
| ModelxChange | Prudent Investor Advisors | PIA Dimensions 90/10 Portfolio - Series II | | | | | | | | | | | | | | | | | 1350 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1350 | 0.2000 | 0 | The PIA Dimensions 90/10 Portfolio - Series II is intended for investors with an aggressive tolerance for risk. Comprised of 90% equity funds and 10% fixed income funds, the Portfolio seeks aggressive growth of capital over long time horizons. This portfolio will experience significant short-term volatility. The portfolio is monitored and is automatically rebalanced on an annual basis or as needed. The PIA Dimensions Portfolios - Series II, created by Prudent Investor Advisors, LLC, comprise a series of 401(k) plan investment options. Each of these model portfolios was created on the basis of tenets of Modern Portfolio Theory as well as other principles of financial economics. This approach, grounded in academic research that has withstood rigorous open review for many years, does not rely on analysts’ forecasts or opinions about financial markets, but instead incorporates the key factors that drive the long-run performance of those markets.
Each PIA Dimensions Portfolio - Series II holds more than 12,000 securities from approximately forty-five countries. Worldwide diversification minimizes the potential negative short-term impact that any one company, asset class or country may have on a portfolio. This reduces overall portfolio risk, allows full exposure to the returns of world financial markets and limits style drift. The approach also includes a disciplined and patient style of securities trading, which allows plan participants to reap the benefits of low costs and low fees. Such broad and deep diversification of risk, however, does not eliminate the possibility of investment loss. | | | 0.4205 |
| ModelxChange | Q3 Asset Management | Q3 Bull Cipher | 02/28/2026 12:00:00 AM | 2.6323 | 22.1011 | 14.9499 | 14.6057 | 2.6323 | 25.8289 | 6.0354 | 23.9643 | 4.0013 | 11.9677 | 9.06 | 10.08 | | | | 3001 | Equity Market Neutral | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3001 | 0.0000 | 0 | Bull Cipher is an absolute return program that seeks a positive rate of return over the course of a calendar year regardless of market conditions. Bull Cipher is a long/neutral strategy that invests in equity index funds. The strategy focuses on mean-reversion based setups. Signals are generated on a daily basis and tend to be short-term in nature. Bull Cipher is an absolute return model that seeks a positive rate of return over the course of a calendar year regardless of market conditions. The strategy may be positioned in cash or money market funds for extended periods of time, waiting for high probability opportunities. Bull Cipher has evolved to include three distinct algorithms, each complimentary to the next. No individual signal will make up more than 50% of the total allocation - meaning that in order to be fully invested, at least two of the three signals must trigger. The first algorithm monitors the S&P 500 and NASDAQ 100 over a trailing 10-day period. As a result, trades are less frequent with expected exposure at 22%. The second algorithm looks for setups over a trailing 3-day time frame and focuses on the S&P 500. This signal is expected to be invested roughly 40% of the time, Finally, the third and most active algorithm looks at the NASDAQ 100 on a 1-day time frame. Trades last just over 2 days on average, and the signal is expected to be invested roughly 45% of the time.
| | | 1.4200 |
| ModelxChange | Q3 Asset Management | Q3 Destination 2030 Managed Portfolio | 02/28/2026 12:00:00 AM | 4.9749 | 14.3486 | 11.7024 | 6.4440 | 4.9749 | 9.8225 | 5.6117 | 15.7621 | -9.6233 | 12.1519 | 7.97 | 9.37 | 0.83 | 0.34 | | 3519 | Target-Date 2035 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3519 | 0.5000 | 0 | The Destination 2030 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Destination 2030 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The
equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses.
| | | 0.6280 |
| ModelxChange | Q3 Asset Management | Q3 Destination 2040 Managed Portfolio | 02/28/2026 12:00:00 AM | 6.4708 | 17.5225 | 14.5681 | 8.1476 | 6.4708 | 11.0723 | 7.7360 | 19.1023 | -10.5284 | 16.1172 | 10.2 | 11.65 | 0.92 | 0.43 | | 3520 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3520 | 0.5000 | 0 | The Destination 2040 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Destination 2040 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The
equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.6393 |
| ModelxChange | Q3 Asset Management | Q3 Destination 2050 Managed Portfolio | 02/28/2026 12:00:00 AM | 6.8804 | 19.1689 | 16.2072 | 9.1035 | 6.8804 | 11.9893 | 8.9339 | 21.2351 | -11.3522 | 19.8130 | 11.39 | 13.38 | 0.96 | 0.46 | | 3521 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3521 | 0.5000 | 0 | The Destination 2050 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Destination 2050 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The
equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses.
| | | 0.6429 |
| ModelxChange | Q3 Asset Management | Q3 Destination 2060 Managed Portfolio | 02/28/2026 12:00:00 AM | 7.2196 | 19.8462 | 16.5652 | 9.4346 | 7.2196 | 12.2515 | 8.9961 | 21.4303 | -11.2746 | 21.6703 | 11.63 | 13.92 | 0.97 | 0.47 | | 3522 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3522 | 0.5000 | 0 | The Destination 2060 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Destination 2060 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The
equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses.
| | | 0.6476 |
| ModelxChange | Q3 Asset Management | Q3 Destination 2070 Managed Portfolio | 02/28/2026 12:00:00 AM | 7.4000 | 20.3924 | 17.0135 | 9.7960 | 7.4000 | 12.6343 | 9.6235 | 21.9041 | -11.3054 | 22.3148 | 11.89 | 14.21 | 0.98 | 0.49 | | 7738 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7738 | 0.5000 | 0 | The Destination 2070 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Destination 2070 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The
equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.6474 |
| ModelxChange | Q3 Asset Management | Q3 Destination Cash Balance Strategy | 02/28/2026 12:00:00 AM | 4.5556 | 13.5372 | 9.8516 | 4.5643 | 4.5556 | 9.5532 | 6.8133 | 9.1036 | -8.2923 | 5.9440 | 5.22 | 6.95 | 0.91 | 0.18 | | 3517 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3517 | 0.5000 | 0 | The Destination Cash Balance Strategy allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Destination Cash Balance Strategy represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic & market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.6162 |
| ModelxChange | Q3 Asset Management | Q3 Destination Retirement Portfolio | 02/28/2026 12:00:00 AM | 4.0042 | 12.7282 | 9.8346 | 5.2984 | 4.0042 | 9.3549 | 4.2217 | 12.4113 | -9.4048 | 11.2306 | 6.53 | 7.97 | 0.74 | 0.25 | | 3518 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL3518 | 0.5000 | 0 | The Destination 2020 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Destination 2020 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The
equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses.
| | | 0.6196 |
| ModelxChange | Q3 Asset Management | Q3 Enhanced Allocation-Sector Conservative | 02/28/2026 12:00:00 AM | 8.7224 | 16.4677 | 11.1356 | 4.3111 | 8.7224 | 7.7123 | 10.7745 | 6.4593 | -10.7187 | 1.6735 | 9.48 | 8.87 | 0.66 | 0.13 | | 1321 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1321 | 0.5000 | 0 | EA – 6 Sector allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to preserve capital during adverse market conditions. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. EA-6 Sector improves upon a momentum investing approach by evaluating the general market conditions prior to investing or re-allocating a client’s account. During unfavorable market conditions the strategy will allocate one hundred percent of an investor’s portfolio to fixed income in an effort to preserve capital. During favorable market conditions the strategy identifies and ranks an assortment of available equity and bond funds based on recent performance using a proprietary momentum based algorithm. Client accounts are then re-allocated into the six top-ranked mutual funds in accordance with the investor’s risk tolerance. Our research has shown that that the program will be invested in the top-ranked funds approximately 75% of the time and invested entirely in fixed income approximately 25% of the time. | | 0.1765 | 1.1373 |
| ModelxChange | Q3 Asset Management | Q3 Enhanced Allocation-Sector Growth | 02/28/2026 12:00:00 AM | 12.5465 | 14.5650 | 12.8708 | 5.6720 | 12.5465 | 0.7183 | 20.1092 | 5.7969 | -14.5052 | 9.6904 | 12.73 | 12.5 | 0.64 | 0.23 | | 1319 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1319 | 0.5000 | 0 | EA – 6 Sector allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to preserve capital during adverse market conditions. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. EA-6 Sector improves upon a momentum investing approach by evaluating the general market conditions prior to investing or re-allocating a client’s account. During unfavorable market conditions the strategy will allocate one hundred percent of an investor’s portfolio to fixed income in an effort to preserve capital. During favorable market conditions the strategy identifies and ranks an assortment of available equity and bond funds based on recent performance using a proprietary momentum based algorithm. Client accounts are then re-allocated into the six top-ranked mutual funds in accordance with the investor’s risk tolerance. Our research has shown that that the program will be invested in the top-ranked funds approximately 75% of the time and invested entirely in fixed income approximately 25% of the time. | | 0.2500 | 1.1688 |
| ModelxChange | Q3 Asset Management | Q3 Enhanced Allocation-Sector Moderate | 02/28/2026 12:00:00 AM | 9.3128 | 19.8709 | 14.4618 | 6.6840 | 9.3128 | 9.5024 | 15.1253 | 9.8874 | -10.7180 | 4.7979 | 11.22 | 10.47 | 0.84 | 0.34 | | 1320 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1320 | 0.5000 | 0 | EA – 6 Sector allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to preserve capital during adverse market conditions. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. EA-6 Sector improves upon a momentum investing approach by evaluating the general market conditions prior to investing or re-allocating a client’s account. During unfavorable market conditions the strategy will allocate one hundred percent of an investor’s portfolio to fixed income in an effort to preserve capital. During favorable market conditions the strategy identifies and ranks an assortment of available equity and bond funds based on recent performance using a proprietary momentum based algorithm. Client accounts are then re-allocated into the six top-ranked mutual funds in accordance with the investor’s risk tolerance. Our research has shown that that the program will be invested in the top-ranked funds approximately 75% of the time and invested entirely in fixed income approximately 25% of the time. | | 0.2020 | 1.1761 |
| ModelxChange | Q3 Asset Management | Q3 Tactical Growth | 02/28/2026 12:00:00 AM | 6.9653 | 25.1603 | | | 6.9653 | 20.8100 | | | | | | | | | | 12493 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12493 | 0.0000 | 0 | Tactical Growth combines multiple management approaches into one strategically diverse portfolio. The strategy combines a portfolio of global equities, alternative assets, and bonds designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty with a tactical portfolio that is reviewed daily and seeks high probability trading opportunities. While the strategy focuses on mean-reversion based set-ups and trend-following, breakout trades may also be utilized. | | | 1.2900 |
| ModelxChange | Q3 Asset Management | Q3 Tactical Unconstrained Growth | | | | | | | | | | | | | | | | | 8608 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8608 | 0.8500 | 0 | Tactical Unconstrained Growth is an absolute return program that seeks a positive rate of return over the course of a calendar year regardless of market conditions. TUG is a long/neutral strategy that rotates between Nasdaq 100, Government bond funds and money markets. Signals are generated on a daily basis and are may be short-term in nature. The strategy focuses on trend-following trades, by analyzing several trend measurements of various durations. TUG is an absolute return program that seeks a positive rate of return over the course of a calendar year regardless of market conditions. The strategy may be positioned heavily in money market funds for periods of time, waiting for high probability opportunities. | | | 2.5900 |
| ModelxChange | Q3 Asset Management | Q3 Voyage 2020 Managed Portfolio | 02/28/2026 12:00:00 AM | 5.2461 | 16.9256 | 9.6879 | 4.9885 | 5.2461 | 11.6809 | 1.0287 | 12.1436 | -7.9043 | 8.4210 | 6.8 | 7.4 | 0.69 | 0.23 | | 2356 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2356 | 0.5000 | 0 | The Voyage 2020 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage 2020 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.6722 |
| ModelxChange | Q3 Asset Management | Q3 Voyage 2030 Managed Portfolio | 02/28/2026 12:00:00 AM | 6.9224 | 19.5448 | 11.6088 | 6.1880 | 6.9224 | 13.0450 | 1.6651 | 13.9078 | -8.3292 | 12.8329 | 8.28 | 9.15 | 0.79 | 0.32 | | 2355 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2355 | 0.5000 | 0 | The Voyage 2030 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage 2030 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic & market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.6886 |
| ModelxChange | Q3 Asset Management | Q3 Voyage 2040 Managed Portfolio | 02/28/2026 12:00:00 AM | 8.9874 | 23.6566 | 14.1222 | 7.7435 | 8.9874 | 14.4880 | 2.2079 | 17.1610 | -9.4775 | 18.8212 | 10.46 | 11.8 | 0.86 | 0.4 | | 2354 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2354 | 0.5000 | 0 | The Voyage 2040 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage 2040 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic & market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.7028 |
| ModelxChange | Q3 Asset Management | Q3 Voyage 2050 Managed Portfolio | 02/28/2026 12:00:00 AM | 10.1253 | 25.7065 | 15.4628 | 8.5097 | 10.1253 | 15.0323 | 2.9187 | 18.5072 | -9.6818 | 21.4217 | 11.47 | 13.01 | 0.9 | 0.43 | | 2353 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2353 | 0.5000 | 0 | The Voyage 2050 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage 2050 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic & market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.7123 |
| ModelxChange | Q3 Asset Management | Q3 Voyage 2060 Managed Portfolio | 02/28/2026 12:00:00 AM | 10.4118 | 26.1800 | 15.6639 | 8.5146 | 10.4118 | 15.1126 | 2.7828 | 18.9235 | -10.1513 | 22.2169 | 11.88 | 13.49 | 0.89 | 0.42 | | 2352 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2352 | 0.5000 | 0 | The Voyage 2060 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage 2060 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.7158 |
| ModelxChange | Q3 Asset Management | Q3 Voyage 2070 Managed Portfolio | 02/28/2026 12:00:00 AM | 10.6230 | 26.6984 | 16.3735 | 9.4396 | 10.6230 | 15.4092 | 3.5021 | 20.5985 | -10.0540 | 25.6481 | 11.99 | 13.67 | 0.93 | 0.48 | | 7737 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL7737 | 0.5000 | 0 | The Voyage 2070 Managed Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage 2070 Managed Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic & market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.7179 |
| ModelxChange | Q3 Asset Management | Q3 Voyage Cash Balance Strategy | 02/28/2026 12:00:00 AM | 5.4907 | 12.7711 | 8.3245 | 4.4367 | 5.4907 | 8.2453 | 3.0820 | 9.0570 | -6.0591 | 7.2700 | 5.6 | 6.33 | 0.6 | 0.17 | | 2854 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2854 | 0.5000 | 0 | The Voyage Cash Balance Strategy allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage Cash Balance Strategy represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic & market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.6529 |
| ModelxChange | Q3 Asset Management | Q3 Voyage Conservative | | | | | | | | | | | | | | | | | 2661 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2661 | 0.8500 | 0 | Voyage Conservative allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage Conservative model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The
equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 1.0386 |
| ModelxChange | Q3 Asset Management | Q3 Voyage Growth | | | | | | | | | | | | | | | | | 2662 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2662 | 0.8500 | 0 | Voyage Growth allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage Growth model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 1.0658 |
| ModelxChange | Q3 Asset Management | Q3 Voyage Moderate | | | | | | | | | | | | | | | | | 2663 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2663 | 0.8500 | 0 | Voyage Moderate allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage Moderate model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 1.0522 |
| ModelxChange | Q3 Asset Management | Q3 Voyage Retirement Conservative | 02/28/2026 12:00:00 AM | 6.9315 | 20.0574 | 11.7637 | 6.4169 | 6.9315 | 13.5257 | 1.4798 | 14.0878 | -8.0496 | 13.2431 | 8.3 | 9.16 | 0.81 | 0.35 | | 2431 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2431 | 0.5000 | 0 | Voyage Retirement Conservative allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage Retirement Conservative model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.6886 |
| ModelxChange | Q3 Asset Management | Q3 Voyage Retirement Growth | 02/28/2026 12:00:00 AM | 10.7421 | 26.9153 | 16.1928 | 9.0298 | 10.7421 | 15.4013 | 3.2442 | 19.2793 | -9.7718 | 23.0499 | 12.16 | 13.67 | 0.91 | 0.45 | | 2433 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2433 | 0.5000 | 0 | Voyage Retirement Growth allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage Retirement Growth model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.7179 |
| ModelxChange | Q3 Asset Management | Q3 Voyage Retirement Income Managed Portfolio | | | | | | | | | | | | | | | | | 2852 | Target-Date 2015 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2852 | 0.5000 | 0 | Voyage Retirement Portfolio allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage Retirement Portfolio model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic & market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.6722 |
| ModelxChange | Q3 Asset Management | Q3 Voyage Retirement Moderate | 02/28/2026 12:00:00 AM | 9.0733 | 24.0221 | 14.2542 | 8.0159 | 9.0733 | 14.7941 | 2.1969 | 17.1007 | -9.6003 | 20.1216 | 10.52 | 11.82 | 0.87 | 0.42 | | 2432 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2432 | 0.5000 | 0 | Voyage Retirement Moderate allows an investor to participate in rising equity markets, and just as importantly, maintain the ability to weather adverse market conditions through the use of defensive positions and asset diversification. The program attempts to provide the investor with superior returns and reduced volatility relative to a passively managed benchmark. The Voyage Retirement Moderate model represents a strategically allocated portfolio of global equities, alternative assets, and bonds. The strategy is designed to actively adjust to the strongest performers in each category and may apply defensive techniques during periods of market uncertainty. Drawing from years of academic and market research, each asset category utilizes the concept of momentum investing to analyze and rank an assortment of ETFs based on recent performance. The program invests in the highest ranked securities under the premise that they will continue to be strong performers for the next period. The equity category also includes cash as an investment option, so during periods of weakness a portion of that portfolio may be allocated to cash in an effort to minimize losses. | | | 0.7032 |
| ModelxChange | R.T. Jones Capital Equities | Gateway Global Defensive Equity | 02/28/2026 12:00:00 AM | 1.9473 | 7.0330 | 12.4143 | 6.8096 | 1.9473 | 5.6056 | 16.7989 | 12.0331 | -15.5361 | 22.1125 | 7.35 | 8.51 | 0.98 | 0.41 | | 4862 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4862 | 0.2500 | 0 | A tactical approach to investing in the global equity market. Seeks long term growth while managing volatility and drawdown through asset allocation and a long / flat trading overlay. | | | 0.5355 |
| ModelxChange | Research Manager | CIT 2 AGG | | | | | | | | | | | | | | | | | 8806 | Diversified Emerging Mkts | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8806 | 0.0000 | 0 | modcon1 | | | 0.0200 |
| ModelxChange | Research Manager | CIT 2 CON | | | | | | | | | | | | | | | | | 8856 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8856 | 0.0000 | 0 | CIT 2 CON | | | 0.0000 |
| ModelxChange | Research Manager | CIT Agressive | | | | | | | | | | | | | | | | | 8805 | Communications | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8805 | 0.0000 | 0 | Conservative C1 | | | 0.0200 |
| ModelxChange | Research Manager | CIT MOD | | | | | | | | | | | | | | | | | 8854 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8854 | 0.0000 | 0 | CIT MOD | | | 0.0000 |
| ModelxChange | Research Manager | CIT Mod Agg | | | | | | | | | | | | | | | | | 8853 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8853 | 0.0000 | 0 | CIT Mod Agg | | | 0.0000 |
| ModelxChange | Research Manager | CIT MOD CON | | | | | | | | | | | | | | | | | 8807 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8807 | 0.0000 | 0 | con c2 | | | 0.0000 |
| ModelxChange | Research Manager | CIT MOD CON | | | | | | | | | | | | | | | | | 8857 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8857 | 0.0000 | 0 | CIT MOD CON | | | 0.0000 |
| ModelxChange | Research Manager | HappYness CIT I Conservative | | | | | | | | | | | | | | | | | 8855 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8855 | 0.0000 | 0 | CON | | | 0.0000 |
| ModelxChange | Research Manager | Model Con | | | | | | | | | | | | | | | | | 8858 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8858 | 0.0000 | 0 | Model Con | | | 0.0000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Max Draw -10 | | | | | | | | | | | | | | | | | 9185 | Moderate Allocation | | 0.4000 | 0 | The Cy platform uses quantitative research and advanced mathematics to optimize manager selection and portfolio construction. Cy works to identify managers and strategies which have demonstrated superior risk and return outcomes over multiple market cycles. Cy then uses proprietary technology to optimize portfolios investing in those strategies in an attempt to provide less loss and more return than traditional portfolio construction approaches. The Cy platform proposes portfolios based upon either the client’s risk tolerance or their return target. Risk tolerance is defined on the platform using the concept of worst drawdown, worst calendar year, or worst four quarters. | | | 0.4000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Max Draw -15 | | | | | | | | | | | | | | | | | 9186 | Moderate Allocation | | 0.4000 | 0 | The Cy platform uses quantitative research and advanced mathematics to optimize manager selection and portfolio construction. Cy works to identify managers and strategies which have demonstrated superior risk and return outcomes over multiple market cycles. Cy then uses proprietary technology to optimize portfolios investing in those strategies in an attempt to provide less loss and more return than traditional portfolio construction approaches. The Cy platform proposes portfolios based upon either the client’s risk tolerance or their return target. Risk tolerance is defined on the platform using the concept of worst drawdown, worst calendar year, or worst four quarters. | | | 0.4000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Max Draw -20 | | | | | | | | | | | | | | | | | 9187 | Moderate Allocation | | 0.4000 | 0 | The Cy platform uses quantitative research and advanced mathematics to optimize manager selection and portfolio construction. Cy works to identify managers and strategies which have demonstrated superior risk and return outcomes over multiple market cycles. Cy then uses proprietary technology to optimize portfolios investing in those strategies in an attempt to provide less loss and more return than traditional portfolio construction approaches. The Cy platform proposes portfolios based upon either the client’s risk tolerance or their return target. Risk tolerance is defined on the platform using the concept of worst drawdown, worst calendar year, or worst four quarters. | | | 0.4000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Max Draw -30 | | | | | | | | | | | | | | | | | 9188 | Moderate Allocation | | 0.4000 | 0 | The Cy platform uses quantitative research and advanced mathematics to optimize manager selection and portfolio construction. Cy works to identify managers and strategies which have demonstrated superior risk and return outcomes over multiple market cycles. Cy then uses proprietary technology to optimize portfolios investing in those strategies in an attempt to provide less loss and more return than traditional portfolio construction approaches. The Cy platform proposes portfolios based upon either the client’s risk tolerance or their return target. Risk tolerance is defined on the platform using the concept of worst drawdown, worst calendar year, or worst four quarters. | | | 0.4000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Max Draw -40 | | | | | | | | | | | | | | | | | 9189 | Moderate Allocation | | 0.4000 | 0 | The Cy platform uses quantitative research and advanced mathematics to optimize manager selection and portfolio construction. Cy works to identify managers and strategies which have demonstrated superior risk and return outcomes over multiple market cycles. Cy then uses proprietary technology to optimize portfolios investing in those strategies in an attempt to provide less loss and more return than traditional portfolio construction approaches. The Cy platform proposes portfolios based upon either the client’s risk tolerance or their return target. Risk tolerance is defined on the platform using the concept of worst drawdown, worst calendar year, or worst four quarters. | | | 0.4000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Max Draw -5 | | | | | | | | | | | | | | | | | 9184 | Moderate Allocation | | 0.4000 | 0 | The Cy platform uses quantitative research and advanced mathematics to optimize manager selection and portfolio construction. Cy works to identify managers and strategies which have demonstrated superior risk and return outcomes over multiple market cycles. Cy then uses proprietary technology to optimize portfolios investing in those strategies in an attempt to provide less loss and more return than traditional portfolio construction approaches. The Cy platform proposes portfolios based upon either the client’s risk tolerance or their return target. Risk tolerance is defined on the platform using the concept of worst drawdown, worst calendar year, or worst four quarters. | | | 0.4000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Return Target 10 | | | | | | | | | | | | | | | | | 9192 | Moderate Allocation | | 0.4000 | 0 | The Cy platform uses quantitative research and advanced mathematics to optimize manager selection and portfolio construction. Cy works to identify managers and strategies which have demonstrated superior risk and return outcomes over multiple market cycles. Cy then uses proprietary technology to optimize portfolios investing in those strategies in an attempt to provide less loss and more return than traditional portfolio construction approaches. The Cy platform proposes portfolios based upon either the client’s risk tolerance or their return target. Risk tolerance is defined on the platform using the concept of worst drawdown, worst calendar year, or worst four quarters. | | | 0.4000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Return Target 12 | | | | | | | | | | | | | | | | | 9193 | Moderate Allocation | | 0.4000 | 0 | The Cy platform uses quantitative research and advanced mathematics to optimize manager selection and portfolio construction. Cy works to identify managers and strategies which have demonstrated superior risk and return outcomes over multiple market cycles. Cy then uses proprietary technology to optimize portfolios investing in those strategies in an attempt to provide less loss and more return than traditional portfolio construction approaches. The Cy platform proposes portfolios based upon either the client’s risk tolerance or their return target. Risk tolerance is defined on the platform using the concept of worst drawdown, worst calendar year, or worst four quarters. | | | 0.4000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Return Target 6 | | | | | | | | | | | | | | | | | 9190 | Moderate Allocation | | 0.4000 | 0 | The Cy platform uses quantitative research and advanced mathematics to optimize manager selection and portfolio construction. Cy works to identify managers and strategies which have demonstrated superior risk and return outcomes over multiple market cycles. Cy then uses proprietary technology to optimize portfolios investing in those strategies in an attempt to provide less loss and more return than traditional portfolio construction approaches. The Cy platform proposes portfolios based upon either the client’s risk tolerance or their return target. Risk tolerance is defined on the platform using the concept of worst drawdown, worst calendar year, or worst four quarters. | | | 0.4000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Return Target 8 | | | | | | | | | | | | | | | | | 9191 | Moderate Allocation | | 0.4000 | 0 | The Cy platform uses quantitative research and advanced mathematics to optimize manager selection and portfolio construction. Cy works to identify managers and strategies which have demonstrated superior risk and return outcomes over multiple market cycles. Cy then uses proprietary technology to optimize portfolios investing in those strategies in an attempt to provide less loss and more return than traditional portfolio construction approaches. The Cy platform proposes portfolios based upon either the client’s risk tolerance or their return target. Risk tolerance is defined on the platform using the concept of worst drawdown, worst calendar year, or worst four quarters. | | | 0.4000 |
| ModelxChange | RPN- WBI Investments | Cy 401k Test | | | | | | | | | | | | | | | | | 8986 | Moderate Allocation | | 0.4000 | 0 | description | | | 0.4000 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2020 Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13991 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13991 | 0.0200 | 0 | The 2020 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date | | 0.0075 | 0.3255 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2020 Conservative | 02/28/2026 12:00:00 AM | 2.3553 | | | | 2.3553 | | | | | | | | | | | 14013 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14013 | 0.0200 | 0 | The 2020 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | 0.0105 | 0.3123 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2020 Moderate | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14002 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14002 | 0.0200 | 0 | The 2020 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | 0.0090 | 0.3175 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2025 Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13992 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13992 | 0.0200 | 0 | The 2025 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date | | 0.0060 | 0.3313 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2025 Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14014 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14014 | 0.0200 | 0 | The 2025 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | 0.0105 | 0.3133 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2025 Moderate | 02/28/2026 12:00:00 AM | 2.7076 | | | | 2.7076 | | | | | | | | | | | 14003 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14003 | 0.0200 | 0 | The 2025 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | 0.0090 | 0.3255 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2030 Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13993 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13993 | 0.0200 | 0 | The 2030 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date | | | 0.3521 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2030 Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14015 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14015 | 0.0200 | 0 | The 2030 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | 0.0090 | 0.3390 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2030 Moderate | 02/28/2026 12:00:00 AM | 3.1900 | | | | 3.1900 | | | | | | | | | | | 14004 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14004 | 0.0200 | 0 | The 2030 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | 0.0060 | 0.3472 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2035 Aggressive | 02/28/2026 12:00:00 AM | 4.3075 | | | | 4.3075 | | | | | | | | | | | 13994 | Target-Date 2035 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13994 | 0.0200 | 0 | The 2035 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date | | | 0.3855 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2035 Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14016 | Target-Date 2035 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14016 | 0.0200 | 0 | The 2035 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | 0.0060 | 0.3735 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2035 Moderate | 02/28/2026 12:00:00 AM | 3.8640 | | | | 3.8640 | | | | | | | | | | | 14005 | Target-Date 2035 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14005 | 0.0200 | 0 | The 2035 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | | 0.3764 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2040 Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13995 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13995 | 0.0200 | 0 | The 2040 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date | | | 0.4100 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2040 Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14017 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14017 | 0.0200 | 0 | The 2040 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | | 0.3961 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2040 Moderate | 02/28/2026 12:00:00 AM | 4.4807 | | | | 4.4807 | | | | | | | | | | | 14006 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14006 | 0.0200 | 0 | The 2040 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | | 0.3993 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2045 Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13996 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13996 | 0.0200 | 0 | The 2045 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date | | | 0.4132 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2045 Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14018 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14018 | 0.0200 | 0 | The 2045 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | | 0.4145 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2045 Moderate | 02/28/2026 12:00:00 AM | 5.0523 | | | | 5.0523 | | | | | | | | | | | 14007 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14007 | 0.0200 | 0 | The 2045 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | | 0.4175 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2050 Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13997 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13997 | 0.0200 | 0 | The 2050 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date | | | 0.4231 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2050 Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14019 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14019 | 0.0200 | 0 | The 2050 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | | 0.4084 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2050 Moderate | 02/28/2026 12:00:00 AM | 5.1992 | | | | 5.1992 | | | | | | | | | | | 14008 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14008 | 0.0200 | 0 | The 2050 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | | 0.4148 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2055 Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13998 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13998 | 0.0200 | 0 | The 2055 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date | | | 0.4094 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2055 Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14020 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14020 | 0.0200 | 0 | The 2055 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | | 0.4209 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2055 Moderate | 02/28/2026 12:00:00 AM | 5.3682 | | | | 5.3682 | | | | | | | | | | | 14009 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14009 | 0.0200 | 0 | The 2055 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | | 0.4165 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2060 Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13999 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13999 | 0.0200 | 0 | The 2060 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date | | | 0.4094 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2060 Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14021 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14021 | 0.0200 | 0 | The 2060 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | | 0.4112 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2060 Moderate | 02/28/2026 12:00:00 AM | 5.4251 | | | | 5.4251 | | | | | | | | | | | 14010 | Target-Date 2060 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14010 | 0.0200 | 0 | The 2060 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | | 0.4132 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2065 Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14000 | Target-Date 2065+ | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14000 | 0.0200 | 0 | The 2065 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date | | | 0.4131 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2065 Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14022 | Target-Date 2065+ | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14022 | 0.0200 | 0 | The 2065 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | | 0.4112 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath 2065 Moderate | 02/28/2026 12:00:00 AM | 5.4814 | | | | 5.4814 | | | | | | | | | | | 14011 | Target-Date 2065+ | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14011 | 0.0200 | 0 | The 2065 model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | | 0.4149 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath Income Aggressive | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 13990 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13990 | 0.0200 | 0 | The Retirement Income model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of an aggressive risk tolerance and who plan to retire on or around the target date. | | 0.0090 | 0.3186 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath Income Conservative | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 14012 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14012 | 0.0200 | 0 | The Retirement Income model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a conservative risk tolerance and who plan to retire on or around the target date | | 0.0120 | 0.2975 |
| ModelxChange | SageView Advisory Group, LLC ("SageView") | Empath YourPath Income Moderate | 02/28/2026 12:00:00 AM | 2.2149 | | | | 2.2149 | | | | | | | | | | | 14001 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14001 | 0.0200 | 0 | The Retirement Income model is an asset allocation portfolio designed to adjust over time in a manner that, based on the target retirement date, is generally appropriate for an investor at each stage of their journey towards and throughout retirement. The portfolio maintains broad diversification while becoming increasingly more conservative as the retirement date approaches. Participants who are of a moderate risk tolerance and who plan to retire on or around the target date | | 0.0105 | 0.3133 |
| ModelxChange | Sherman Portfolios, LLC | CALENDAR Effects | | | | | | | | | | | | | | | | | 12300 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12300 | 0.8000 | 0 | The Calendar Effects Model is a shorter-term Model whose goal is to be invested only during those short periods of time during the calendar year that have historically shown a high probability of profit. The Calendar Effects Model is a shorter-term model whose goal is to be invested only during those short periods of time during the calendar year that have been shown historically to have a high probability of profit. There are about 14 of these short duration periods per year, totaling just 75 market days of exposure per year. The Calendar Effects Model has been a particularly good performer in Bear Markets. | | | 0.9833 |
| ModelxChange | Sherman Portfolios, LLC | Sherman Energy & Equities | 02/28/2026 12:00:00 AM | 24.3440 | | | | 24.3440 | | -0.3372 | -1.8199 | 62.8821 | 52.1320 | | | | | | 12293 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12293 | 0.8000 | 0 | The Sherman Energy & Equities Model is a longer-term low-activity Model whose goal is to identify and invest in uptrends in Energy, while managing the risk of investing in this highly volatile sector. The Sherman Energy & Equities s ia longer-term low-activity Model whose goal is to identify and invest in longer-term uptrends in Energy, while managing the risk of investing in this highly volatile market by identifying and avoiding its longer-term downtrends. Trends are identified by the proprietary Energy Trend Strength Indicator. When Energy is in a downtrend, funds are invested in the Sector Rotation II model, a shorter-term, higher-active Model designed to provide exposure to stock market sectors while limiting downside risk. | | | 0.8800 |
| ModelxChange | Sherman Portfolios, LLC | Sherman Gold & Equities | 02/28/2026 12:00:00 AM | 21.4814 | | | | 21.4814 | | 25.6864 | 21.3727 | -9.0893 | -1.8784 | | | | | | 12301 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12301 | 0.8000 | 0 | The Sherman Gold & Equities is a longer-term low-activity Model whose goal is to identify and invest in uptrends in Gold, while managing the risk of investing in this highly volatile commodity. The Sherman Gold & Equities is a longer-term low-activity Model whose goal is to identify and invest in longer-term uptrends in Gold, while managing the risk of investing in this highly volatile commodity by identifying and avoiding its longer-term downtrends. Trends are identified by the proprietary Gold Trend Strength Indicator. When gold is in a downtrend, funds are invested productively in the Sector Rotation II model, a shorter-term, higher-active Model designed to provide exposure to stock market sectors while limiting downside risk. | | | 1.2000 |
| ModelxChange | Sherman Portfolios, LLC | Sherman Sector Growth (SR2) | 02/28/2026 12:00:00 AM | 9.0691 | 14.1598 | 20.7528 | 14.5701 | 9.0691 | 7.4612 | 18.0549 | 31.2887 | -6.4656 | 17.1147 | 11.93 | 12.19 | 1.25 | 0.9 | | 12296 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12296 | 0.8000 | 0 | The Sherman Sector Growth Model is a shorter-term, higher-activity Model designed to provide exposure to stock market sectors while limiting downside risk. The Sherman Sector Growth Model is a shorter-term, higher-activity Model designed to provide exposure to stock market sectors while limiting downside risk. Risk management is implemented by utilizing the longer-term Bull/Bear indicator in conjunction with the multi-timeframe BOSS indicator. When both are positive, the Sector Rotation II Model is invested in the four top-ranked sectors. When either of the indicators is negative, the Model is invested in the Calendar Effects strategy, which reduces time-weighted market exposure by approximately 75%. | | | 1.1800 |
| ModelxChange | Sherman Portfolios, LLC | Sherman SHIELD Aggressive Growth | 02/28/2026 12:00:00 AM | 11.4785 | | | | 11.4785 | | | | | | | | | | | 13851 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13851 | 0.8000 | 0 | Designed for 401K’s and small account the Sherman Shield models seek to use up to four strategy segments to capitalize on market opportunity trends (as determined by Sherman Portfolios, LLC’s proprietary algorithms) in US Equities, Energy, Gold, and US Bonds and mitigate market drawdowns by:
ADVANCING with US Equity, Energy, Gold, and/or Corporate Bond ETFs when a positive opportunity trend is signaled,
PROTECTING by shifting segments whose opportunity trend is negative to a US Government Bond ETF when the US Government Bond trend is positive or to a Money Market when the US Government Bond Trend is negative. A tactical portfolio that algorithmically ADVANCES with corporate securities—allocating up to 100% to equity and or liquid alternative ETFs. It PROTECTS with government securities when one or more of the four ADVANCE segments turn negative, shifting up to 100% into a longer-term U.S. Treasury bond ETF or, a cash equivalent fund such as a money market if Bonds are signaled to be negative as well. | | | 1.1840 |
| ModelxChange | Sherman Portfolios, LLC | Sherman SHIELD Conservative | 02/28/2026 12:00:00 AM | 4.5534 | | | | 4.5534 | | | | | | | | | | | 13848 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13848 | 0.8000 | 0 | Designed for 401K’s and small account the Sherman Shield models seek to use up to four strategy segments to capitalize on market opportunity trends (as determined by Sherman Portfolios, LLC’s (SPL) proprietary algorithms) in US Equities, Energy, Gold, and US Bonds and mitigate market drawdowns by:
ADVANCING with US Equity, Energy, Gold, and/or Corporate Bond ETFs when a positive opportunity trend is signaled,
PROTECTING by shifting segments whose opportunity trend is negative to a US Government Bond ETF when the US Government Bond trend is positive or to a Money
Market when the US Government Bond Trend is negative. A tactical portfolio that algorithmically ADVANCES with corporate securities—allocating up to 30% to equity and or liquid alternative ETFs and 70% to corporate/high-yield bond ETFs when signals indicate favorable risk/reward. It PROTECTS with government securities when one or more of the four ADVANCE segments turn negative, shifting up to 100% into a longer- term U.S. Treasury bond ETF or, a cash equivalent fund such as a money market if Bonds are signaled to be negative as well. | | | 1.1365 |
| ModelxChange | Sherman Portfolios, LLC | Sherman SHIELD Growth | 02/28/2026 12:00:00 AM | 10.0355 | | | | 10.0355 | | | | | | | | | | | 13850 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13850 | 0.8000 | 0 | Designed for 401K’s and small account the Sherman Shield models seek to use up to four strategy segments to capitalize on market opportunity trends (as determined by Sherman Portfolios, LLC’s proprietary algorithms) in US Equities, Energy, Gold, and US Bonds and mitigate market drawdowns by:
ADVANCING with US Equity, Energy, Gold, and/or Corporate Bond ETFs when a positive opportunity trend is signaled,
PROTECTING by shifting segments whose opportunity trend is negative to a US Government Bond ETF when the US Government Bond trend is positive or to a Money Market when the US Government Bond Trend is negative. | | | 1.1743 |
| ModelxChange | Sherman Portfolios, LLC | Sherman SHIELD Moderate | 02/28/2026 12:00:00 AM | 8.5285 | | | | 8.5285 | | | | | | | | | | | 13849 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL13849 | 0.8000 | 0 | Designed for 401K’s and small account the Sherman Shield models seek to use up to four strategy segments to capitalize on market opportunity trends (as determined by Sherman Portfolios, LLC’s proprietary algorithms) in US Equities, Energy, Gold, and US Bonds and mitigate market drawdowns by:
ADVANCING with US Equity, Energy, Gold, and/or Corporate Bond ETFs when a positive opportunity trend is signaled,
PROTECTING by shifting segments whose opportunity trend is negative to a US Government Bond ETF when the US Government Bond trend is positive or to a Money Market when the US Government Bond Trend is negative. A tactical portfolio that algorithmically ADVANCES with corporate securities—allocating up to 65% to equity and or liquid alternative ETFs and 35% to corporate/high-yield bond ETFs when signals indicate favorable risk/reward. It PROTECTS with government securities when one or more of the four ADVANCE segments turn negative, shifting up to 100% into a longer-term U.S. Treasury bond ETF or, a cash equivalent fund such as a money market if Bonds are signaled to be negative as well. | | | 1.1613 |
| ModelxChange | Sherman Portfolios, LLC | Sherman Tactical Growth (DV+Cal+SP) | 02/28/2026 12:00:00 AM | 4.7801 | 12.4391 | 16.1916 | 10.2922 | 4.7801 | 6.5566 | 17.1876 | 23.6831 | -6.4743 | 20.3875 | 11.4 | 11.01 | 0.96 | 0.63 | | 12303 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12303 | 0.8000 | 0 | Seeks to be fully invested in equities during Bull Markets, and only exposed to the relatively few days with the highest probability of profit during Bear Markets. The Sherman Tactical Growth Model uses the Delta-V Model strategy during Bull Markets and the Calendar Effects Model during Bear Markets. Bull and Bear Markets are determined by the Bull-Bear Indicator. The goal of this Model is to be fully invested in equities during Bull Markets, and only exposed to the relatively few days with the highest probability of profit during Bear Markets. When the optional BOSS Balance of Strength Signal is enabled, additional shorter-term risk management is applied during Bull Market periods. BOSS does not impact Bear Market periods. | | | 1.0900 |
| ModelxChange | Sherman Portfolios, LLC | Star Min/Max 0/100 | | | | | | | | | | | | | | | | | 12299 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12299 | 0.8000 | 0 | The Simple Trend And Rank ("STAR") Min/Max Model is a low-activity Model designed for risk-managed outperformace over the long term. It provides a very effective way to deal with typical "investor risk profile" considerations, and is a great choice for 401k and other retirement accounts. Acting only on quarterly intervals, it fits easily into restricted 401k and VA situations. The 0/100 variant of the STAR Min/Max model uses 0% equities exposure during STAR "Min" periods, and 100% equities exposure during STAR "Max" periods. Allocations not made to equities are made to fixed income. The model seeks to be maximally invested in Equities when Equities are trending upwards, and minimally invested in Equities when Equities are trending downwards.The STAR Min/Max Model combines relative-strength rankings, current Market trends, and predetermined minimum and maximum Equities exposure. | | | 1.0900 |
| ModelxChange | Sherman Portfolios, LLC | Star Min/Max 10/30 | 02/28/2026 12:00:00 AM | 2.5957 | 9.5147 | 8.5596 | 5.0885 | 2.5957 | 8.4876 | 8.2688 | 8.0299 | -5.0483 | 5.3004 | 4.9 | 4.79 | 0.72 | 0.34 | | 12297 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12297 | 0.8000 | 0 | The Simple Trend And Rank ("STAR") Min/Max Model is a low-activity Model designed for risk-managed outperformace over the long term. It provides a very effective way to deal with typical "investor risk profile" considerations, and is a great choice for 401k and other retirement accounts. Acting only on quarterly intervals, it fits easily into restricted 401k and VA situations. The 10/30 variant of the STAR Min/Max model shown here uses 10% equities exposure during STAR "Min" periods, and 30% equities exposure during STAR "Max" periods. Allocations not made to equities are made to fixed income. The model seeks to be maximally invested in Equities when Equities are trending upwards, and minimally invested in Equities when Equities are trending downwards.The STAR Min/Max Model combines relative-strength rankings, current Market trends, and predetermined minimum and maximum Equities exposure.
| | | 0.9080 |
| ModelxChange | Sherman Portfolios, LLC | Star Min/Max 20/60 | 02/28/2026 12:00:00 AM | 3.4864 | 13.1953 | 11.7418 | 7.0699 | 3.4864 | 10.0076 | 11.9266 | 12.8527 | -10.6443 | 15.9535 | 7.93 | 8.39 | 0.84 | 0.44 | | 12306 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12306 | 0.8000 | 0 | The Simple Trend And Rank ("STAR") Min/Max Model is a low-activity Model designed for risk-managed outperformace over the long term. It provides a very effective way to deal with typical "investor risk profile" considerations, and is a great choice for 401k and other retirement accounts. Acting only on quarterly intervals, it fits easily into restricted 401k and VA situations. The 20/60 variant of the STAR Min/Max model uses 20% equities exposure during STAR "Min" periods, and 60% equities exposure during STAR "Max" periods. Allocations not made to equities are made to fixed income. The model seeks to be maximally invested in Equities when Equities are trending upwards, and minimally invested in Equities when Equities are trending downwards.The STAR Min/Max Model combines relative-strength rankings, current Market trends, and predetermined minimum and maximum Equities exposure.
| | | 0.9860 |
| ModelxChange | Sherman Portfolios, LLC | Star Min/Max 30/90 | 02/28/2026 12:00:00 AM | 4.4329 | 17.2010 | 15.0784 | 9.0033 | 4.4329 | 11.8059 | 16.1242 | 17.3167 | -16.1190 | 27.1018 | 11.2 | 12.22 | 0.89 | 0.48 | | 12302 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12302 | 0.8000 | 0 | The Simple Trend And Rank ("STAR") Min/Max Model is a low-activity Model designed for risk-managed outperformace over the long term. It provides a very effective way to deal with typical "investor risk profile" considerations, and is a great choice for 401k and other retirement accounts. Acting only on quarterly intervals, it fits easily into restricted 401k and VA situations. The 30/90 variant of the STAR Min/Max model uses 30% equities exposure during STAR "Min" periods, and 90% equities exposure during STAR "Max" periods. Allocations not made to equities are made to fixed income. The model seeks to be maximally invested in Equities when Equities are trending upwards, and minimally invested in Equities when Equities are trending downwards.The STAR Min/Max Model combines relative-strength rankings, current Market trends, and predetermined minimum and maximum Equities exposure.
| | | 1.0640 |
| ModelxChange | Shore Point Advisors, LLC | Shore Point Global Factor - Aggressive | | | | | | | | | | | | | | | | | 12550 | Aggressive Allocation | | 0.5100 | 0 | This portfolio strategy emphasizes the potential for outsized long-term capital appreciation; an expected high level of principal risk and price fluctuation is expected and acceptable. It is a globally diversified portfolio (including emerging markets) with a tilt towards equity factors (characteristics) that, historically, have offered better returns than the overall market. The targeted allocation is 90% in equity growth-oriented assets and 10% in fixed income assets. This strategy is geared towards investors with a high risk tolerance and a long-term time horizon and is comprised of exchange traded funds (ETFs) and mutual funds. As in all investing, principal is subject to loss. | | | 0.5100 |
| ModelxChange | Shore Point Advisors, LLC | Shore Point Global Factor - Balanced | | | | | | | | | | | | | | | | | 12552 | Conservative Allocation | | 0.5100 | 0 | This portfolio strategy emphasizes the potential for modest long-term capital appreciation; an expected reduced level of principal risk and price fluctuation is expected and acceptable. It is a globally diversified portfolio (including emerging markets) with a tilt towards equity "factors" (or characteristics) that, historically, have offered better returns than the overall market. The targeted allocation is 60% in equity growth-oriented assets and 40% in globally diversified fixed income assets. This strategy is geared towards investors with a reduced risk tolerance and a medium-term time horizon and is comprised of exchange traded funds (ETFs) and mutual funds. As in all investing, principal is subject to loss. | | | 0.5100 |
| ModelxChange | Shore Point Advisors, LLC | Shore Point Global Factor - Moderate | | | | | | | | | | | | | | | | | 12551 | Moderate Allocation | | 0.5100 | 0 | This portfolio strategy emphasizes the potential for long-term capital appreciation; an expected moderate level of principal risk and price fluctuation is expected and acceptable. It is a globally diversified portfolio (including emerging markets) with a tilt towards equity factors (characteristics) that, historically, have offered better returns than the overall market. The targeted allocation is 75% in equity growth-oriented assets and 25% in fixed income assets. This strategy is geared towards investors with a moderate risk tolerance and a medium to long-term time horizon and is comprised of exchange traded funds (ETFs) and mutual funds. As in all investing, principal is subject to loss. | | | 0.5100 |
| ModelxChange | Shore Point Advisors, LLC | Shore Point Reduced Volatility Portfolio | | | | | | | | | | | | | | | | | 12549 | Conservative Allocation | | 0.5100 | 0 | This portfolio strategy emphasizes reduced risk while incorporating the opportunity for modest long-term capital appreciation. The targeted allocation of the strategy is 50% in "minimum volatility" global equity growth-oriented assets (including emerging markets), 25% in US core-plus fixed income and 25% in historically low volatility, market-neutral income oriented strategies. This strategy is geared towards retirees and those nearing retirement and is comprised of exchange traded funds (ETFs) and mutual funds. As in all investing, principal is subject to loss. | | | 0.5100 |
| ModelxChange | Silverhawk Financial Group | Silverhawk Private Wealth Aggressive | | | | | | | | | | | | | | | | | 2900 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2900 | 0.1000 | 0 | The Silverhawk Private Wealth Aggressive portfolio seeks an asset allocation suitable for participants with high willingness to take on risk, and generally more than 20 years to retirement. The Fund uses both active and passive management across a broad range of asset classes that include Equity, Fixed Income, Real Estate, and inflation protected securities across both domestic and global markets. The portfolio includes an actively managed portion of the portfolio with the objective to add value through tactical asset allocation based on shorter-term market and economic outlooks.
The Silverhawk Private Wealth Lifestyle Portfolios are largely based on five key factors:
Investor Risk Tolerance is a function of their ability and willingness to take risk. In general, longer time horizons increase ability to take risk. People who tend to avoid risky activities both in investing and in their lifestyle generally have a lower willingness to take risk.
Capital Market Expectations are expected return, risk measured as standard deviation, and correlations among asset classes. These are the key inputs into an asset allocation model to determine the optimal weights of each asset class based on modern portfolio theory.
Strategic Asset Allocation (SAA) combines long term capital market expectations with the individual’s constraints to identify the optimal asset class weighting for the portfolio. The SAA is based on long-run historical relationships between asset classes including equity, fixed income, alternative investments, and inflation protected securities.
Tactical Asset Allocation (TAA) seeks to exploit temporary deviations in the long run capital market relationships between asset classes. Put another way, the TAA seeks to over-weight asset classes expected to outperform in the short term, and under-weight asset classes expected to underperform in the short term. It is active management that attempts to add value.
Core plus Satellite (CS) combines the SAA and TAA. The strategy allocates a larger portion of the portfolio into the SAA to gain exposure to a low cost, passive indexing strategy to meet the constraints and long-term goals of the investor, but also allows the advisor to add value through actively managing a smaller portion of the portfolio.
Silverhawk Lifestyle funds combine the investor’s risk tolerance with our capital market expectations to produce an optimal set of asset class weights. The actively managed satellites equate to 40% of the total portfolio, with 80% of that allocated into equity, and 20% into fixed income.
| | | 0.2855 |
| ModelxChange | Silverhawk Financial Group | Silverhawk Private Wealth Balanced | | | | | | | | | | | | | | | | | 2901 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2901 | 0.1000 | 0 | The Silverhawk Private Wealth Balanced portfolio seeks to provide a higher-growth asset mix with the satellite portfolios tilted more toward capital preservation. The Fund uses both active and passive management across a broad range of asset classes that include Equity, Fixed Income, Real Estate, and inflation protected securities across both domestic and global markets. The portfolio includes an actively managed portion of the portfolio with the objective to add value through tactical asset allocation based on shorter-term market and economic outlooks. The Silverhawk Private Wealth Lifestyle Portfolios are largely based on five key factors:
Investor Risk Tolerance is a function of their ability and willingness to take risk. In general, longer time horizons increase ability to take risk. People who tend to avoid risky activities both in investing and in their lifestyle generally have a lower willingness to take risk.
Capital Market Expectations are expected return, risk measured as standard deviation, and correlations among asset classes. These are the key inputs into an asset allocation model to determine the optimal weights of each asset class based on modern portfolio theory.
Strategic Asset Allocation (SAA) combines long term capital market expectations with the individual’s constraints to identify the optimal asset class weighting for the portfolio. The SAA is based on long-run historical relationships between asset classes including equity, fixed income, alternative investments, and inflation protected securities.
Tactical Asset Allocation (TAA) seeks to exploit temporary deviations in the long run capital market relationships between asset classes. Put another way, the TAA seeks to over-weight asset classes expected to outperform in the short term, and under-weight asset classes expected to underperform in the short term. It is active management that attempts to add value.
Core plus Satellite (CS) combines the SAA and TAA. The strategy allocates a larger portion of the portfolio into the SAA to gain exposure to a low cost, passive indexing strategy to meet the constraints and long-term goals of the investor, but also allows the advisor to add value through actively managing a smaller portion of the portfolio.
Silverhawk Lifestyle funds combine the investor’s risk tolerance with our capital market expectations to produce an optimal set of asset class weights. The actively managed satellites equate to 40% of the total portfolio, with 60% of that allocated into equity, and 40% into fixed income.
| | | 0.2652 |
| ModelxChange | Silverhawk Financial Group | Silverhawk Private Wealth Conservative | | | | | | | | | | | | | | | | | 2902 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2902 | 0.1000 | 0 | The Silverhawk Private Wealth Conservative portfolio seeks to preserve capital, provide income, and maintain the real value of the portfolio through retirement. The Fund uses passive management across a broad range of asset classes that include Equity, Fixed Income, Real Estate, and inflation protected securities across both domestic and global markets. The Fund is completely allocated into a retirement portfolio tilted more toward low risk Fixed Income securities, while retaining some exposure to broad US Equity markets. The Silverhawk Private Wealth Lifestyle Portfolios are largely based on five key factors:
Investor Risk Tolerance is a function of their ability and willingness to take risk. In general, longer time horizons increase ability to take risk. People who tend to avoid risky activities both in investing and in their lifestyle generally have a lower willingness to take risk.
Capital Market Expectations are expected return, risk measured as standard deviation, and correlations among asset classes. These are the key inputs into an asset allocation model to determine the optimal weights of each asset class based on modern portfolio theory.
Strategic Asset Allocation (SAA) combines long term capital market expectations with the individual’s constraints to identify the optimal asset class weighting for the portfolio. The SAA is based on long-run historical relationships between asset classes including equity, fixed income, alternative investments, and inflation protected securities.
Tactical Asset Allocation (TAA) seeks to exploit temporary deviations in the long run capital market relationships between asset classes. Put another way, the TAA seeks to over-weight asset classes expected to outperform in the short term, and under-weight asset classes expected to underperform in the short term. It is active management that attempts to add value.
Core plus Satellite (CS) combines the SAA and TAA. The strategy allocates a larger portion of the portfolio into the SAA to gain exposure to a low cost, passive indexing strategy to meet the constraints and long-term goals of the investor, but also allows the advisor to add value through actively managing a smaller portion of the portfolio.
Silverhawk Lifestyle funds combine the investor’s risk tolerance with our capital market expectations to produce an optimal set of asset class weights. The actively managed satellites equate to 40% of the total portfolio, with 40% of that allocated into equity, and 60% into fixed income.
| | | 0.2556 |
| ModelxChange | Silverhawk Financial Group | Silverhawk Private Wealth Target 2020 | | | | | | | | | | | | | | | | | 2897 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2897 | 0.1000 | 0 | The Silverhawk Private Wealth Target 2020 portfolio seeks to preserve capital, provide income, and maintain the real value of the portfolio through retirement. The Fund uses passive management across a broad range of asset classes that include Equity, Fixed Income, Real Estate, and inflation protected securities across both domestic and global markets. The Fund is completely allocated into a retirement portfolio tilted more toward low risk Fixed Income securities, while retaining some exposure to broad US Equity markets. The Silverhawk Target Date Portfolios are largely based on five key factors:
Investor Risk Tolerance is a function of their ability and willingness to take risk. In general, longer time horizons increase ability to take risk. People who tend to avoid risky activities both in investing and in their lifestyle generally have a lower willingness to take risk.
Capital Market Expectations are expected return, risk measured as standard deviation, and correlations among asset classes. These are the key inputs into an asset allocation model to determine the optimal weights of each asset class based on modern portfolio theory.
Strategic Asset Allocation (SAA) combines long term capital market expectations with the individual’s constraints to identify the optimal asset class weighting for the portfolio. The SAA is based on long-run historical relationships between asset classes including equity, fixed income, alternative investments, and inflation protected securities.
Tactical Asset Allocation (TAA) seeks to exploit temporary deviations in the long run capital market relationships between asset classes. Put another way, the TAA seeks to over-weight asset classes expected to outperform in the short term, and under-weight asset classes expected to underperform in the short term. It is active management that attempts to add value.
Core plus Satellite (CS) combines the SAA and TAA. The strategy allocates a larger portion of the portfolio into the SAA to gain exposure to a low cost, passive indexing strategy to meet the constraints and long-term goals of the investor, but also allows the advisor to add value through actively managing a smaller portion of the portfolio.
| | | 0.2553 |
| ModelxChange | Silverhawk Financial Group | Silverhawk Private Wealth Target 2030 | | | | | | | | | | | | | | | | | 2896 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2896 | 0.1000 | 0 | The Silverhawk Private Wealth Target 2030 portfolio seeks to provide the Participant’s portfolio with income-producing assets, while reducing the market risk in the portfolio each year toward retirement. The Fund uses mainly passive management, with a small section actively managed across a broad range of asset classes that include Equity, Fixed Income, Real Estate, and inflation protected securities across both domestic and global markets. The glide path is set up to transition the Participants portfolio from a pre-retirement allocation with a balanced mix of Equity and Fixed Income, into a more passively managed, income-oriented portfolio as they near retirement. The Silverhawk Target Date Portfolios are largely based on five key factors:
Investor Risk Tolerance is a function of their ability and willingness to take risk. In general, longer time horizons increase ability to take risk. People who tend to avoid risky activities both in investing and in their lifestyle generally have a lower willingness to take risk.
Capital Market Expectations are expected return, risk measured as standard deviation, and correlations among asset classes. These are the key inputs into an asset allocation model to determine the optimal weights of each asset class based on modern portfolio theory.
Strategic Asset Allocation (SAA) combines long term capital market expectations with the individual’s constraints to identify the optimal asset class weighting for the portfolio. The SAA is based on long-run historical relationships between asset classes including equity, fixed income, alternative investments, and inflation protected securities.
Tactical Asset Allocation (TAA) seeks to exploit temporary deviations in the long run capital market relationships between asset classes. Put another way, the TAA seeks to over-weight asset classes expected to outperform in the short term, and under-weight asset classes expected to underperform in the short term. It is active management that attempts to add value.
Core plus Satellite (CS) combines the SAA and TAA. The strategy allocates a larger portion of the portfolio into the SAA to gain exposure to a low cost, passive indexing strategy to meet the constraints and long-term goals of the investor, but also allows the advisor to add value through actively managing a smaller portion of the portfolio.
| | | 0.2655 |
| ModelxChange | Silverhawk Financial Group | Silverhawk Private Wealth Target 2040 | | | | | | | | | | | | | | | | | 2895 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2895 | 0.1000 | 0 | The Silverhawk Private Wealth Target 2040 portfolio seeks to provide a higher-growth asset mix that is transitioning the Participant’s wealth more toward capital preservation each year. The Fund uses both active and passive management across a broad range of asset classes that include Equity, Fixed Income, Real Estate, and inflation protected securities across both domestic and global markets. The glide path is set up to provide Participants exposure to a more actively managed, growth-oriented portfolio during the middle stage of their career to a more passively managed, lower risk and income oriented portfolio as they near retirement. The Silverhawk Target Date Portfolios are largely based on five key factors:
Investor Risk Tolerance is a function of their ability and willingness to take risk. In general, longer time horizons increase ability to take risk. People who tend to avoid risky activities both in investing and in their lifestyle generally have a lower willingness to take risk.
Capital Market Expectations are expected return, risk measured as standard deviation, and correlations among asset classes. These are the key inputs into an asset allocation model to determine the optimal weights of each asset class based on modern portfolio theory.
Strategic Asset Allocation (SAA) combines long term capital market expectations with the individual’s constraints to identify the optimal asset class weighting for the portfolio. The SAA is based on long-run historical relationships between asset classes including equity, fixed income, alternative investments, and inflation protected securities.
Tactical Asset Allocation (TAA) seeks to exploit temporary deviations in the long run capital market relationships between asset classes. Put another way, the TAA seeks to over-weight asset classes expected to outperform in the short term, and under-weight asset classes expected to underperform in the short term. It is active management that attempts to add value.
Core plus Satellite (CS) combines the SAA and TAA. The strategy allocates a larger portion of the portfolio into the SAA to gain exposure to a low cost, passive indexing strategy to meet the constraints and long-term goals of the investor, but also allows the advisor to add value through actively managing a smaller portion of the portfolio.
| | | 0.2762 |
| ModelxChange | Silverhawk Financial Group | Silverhawk Private Wealth Target 2050 | 02/28/2026 12:00:00 AM | 3.6534 | 17.6180 | 14.8999 | 8.5217 | 3.6534 | 15.5277 | 13.7627 | 16.3558 | -16.4582 | 18.0430 | 10.13 | 12.32 | 0.95 | 0.44 | | 2894 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2894 | 0.1000 | 0 | The Silverhawk Private Wealth Target 2050 portfolio seeks to provide long-term growth from the early stage of the participant's career into the later stages of their career life cycle. The Fund uses both active and passive management across a broad range of asset classes that include Equity, Fixed Income, Real Estate, and inflation protected securities across both domestic and global markets. The glide path is set up to provide Participants exposure to a more actively managed, growth-oriented portfolio at the early part of their career to a more passively managed, lower risk and income oriented portfolio as they near retirement. The Silverhawk Target Date Portfolios are largely based on five key factors:
Investor Risk Tolerance is a function of their ability and willingness to take risk. In general, longer time horizons increase ability to take risk. People who tend to avoid risky activities both in investing and in their lifestyle generally have a lower willingness to take risk.
Capital Market Expectations are expected return, risk measured as standard deviation, and correlations among asset classes. These are the key inputs into an asset allocation model to determine the optimal weights of each asset class based on modern portfolio theory.
Strategic Asset Allocation (SAA) combines long term capital market expectations with the individual’s constraints to identify the optimal asset class weighting for the portfolio. The SAA is based on long-run historical relationships between asset classes including equity, fixed income, alternative investments, and inflation protected securities.
Tactical Asset Allocation (TAA) seeks to exploit temporary deviations in the long run capital market relationships between asset classes. Put another way, the TAA seeks to over-weight asset classes expected to outperform in the short term, and under-weight asset classes expected to underperform in the short term. It is active management that attempts to add value.
Core plus Satellite (CS) combines the SAA and TAA. The strategy allocates a larger portion of the portfolio into the SAA to gain exposure to a low cost, passive indexing strategy to meet the constraints and long-term goals of the investor, but also allows the advisor to add value through actively managing a smaller portion of the portfolio.
| | | 0.2853 |
| ModelxChange | Silverhawk Financial Group | Silverhawk Private Wealth Target 2060 | 02/28/2026 12:00:00 AM | 3.6049 | 17.6755 | 15.3406 | 8.8442 | 3.6049 | 15.6393 | 13.5306 | 17.7384 | -16.1894 | 17.2696 | 9.64 | 12.12 | 1.04 | 0.47 | | 2893 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2893 | 0.1000 | 0 | The Silverhawk Private Wealth Target 2060 portfolio seeks to provide long-term growth from the early stage of the participant's career into the later stages of their career life cycle. The Fund uses both active and passive management across a broad range of asset classes that include Equity, Fixed Income, Real Estate, and inflation protected securities across both domestic and global markets. The glide path is set up to provide Participants exposure to a more actively managed, growth-oriented portfolio at the early part of their career to a more passively managed, lower risk and income oriented portfolio near retirement. The Silverhawk Target Date Portfolios are largely based on five key factors:
Investor Risk Tolerance is a function of their ability and willingness to take risk. In general, longer time horizons increase ability to take risk. People who tend to avoid risky activities both in investing and in their lifestyle generally have a lower willingness to take risk.
Capital Market Expectations are expected return, risk measured as standard deviation, and correlations among asset classes. These are the key inputs into an asset allocation model to determine the optimal weights of each asset class based on modern portfolio theory.
Strategic Asset Allocation (SAA) combines long term capital market expectations with the individual’s constraints to identify the optimal asset class weighting for the portfolio. The SAA is based on long-run historical relationships between asset classes including equity, fixed income, alternative investments, and inflation protected securities.
Tactical Asset Allocation (TAA) seeks to exploit temporary deviations in the long run capital market relationships between asset classes. Put another way, the TAA seeks to over-weight asset classes expected to outperform in the short term, and under-weight asset classes expected to underperform in the short term. It is active management that attempts to add value.
Core plus Satellite (CS) combines the SAA and TAA. The strategy allocates a larger portion of the portfolio into the SAA to gain exposure to a low cost, passive indexing strategy to meet the constraints and long-term goals of the investor, but also allows the advisor to add value through actively managing a smaller portion of the portfolio.
| | | 0.2705 |
| ModelxChange | SkyOak Capital, Inc | SkyOak Capital's Firebird Aggressive Growth Allocation | | | | | | | | | | | | | | | | | 8973 | Tactical Allocation | | 0.0000 | 0 | Seeks to achieve maximum capital appreciation | | | 0.0000 |
| ModelxChange | SkyOak Capital, Inc | SkyOak Capital's Firebird Conservative Allocation | | | | | | | | | | | | | | | | | 8969 | Tactical Allocation | | 0.0000 | 0 | Seeks current income, with the potential for capital appreciation. | | | 0.0000 |
| ModelxChange | SkyOak Capital, Inc | SkyOak Capital's Firebird ESG Allocation | | | | | | | | | | | | | | | | | 8974 | Tactical Allocation | | 0.0000 | 0 | Seeks to achieve capital appreciation, investing in companies with a positive Economic, Social and Governence directive. | | | 0.0000 |
| ModelxChange | SkyOak Capital, Inc | SkyOak Capital's Firebird Moderate Allocation | | | | | | | | | | | | | | | | | 8971 | Tactical Allocation | | 0.0000 | 0 | Seeks Capital appreciation first, with an underlying asset mix of equities and bonds | | | 0.0000 |
| ModelxChange | SkyOak Capital, Inc | SkyOak Capital's Firebird Moderate Conservative Allocation | | | | | | | | | | | | | | | | | 8970 | Tactical Allocation | | 0.0000 | 0 | Seeks a blanace between capital appreciation and capital preservation | | | 0.0000 |
| ModelxChange | SkyOak Capital, Inc | SkyOak Capital's Firebird Moderate Growth Allocation | | | | | | | | | | | | | | | | | 8972 | Tactical Allocation | | 0.0000 | 0 | Seeks to maximize the long-term potential for capital appreciation | | | 0.0000 |
| ModelxChange | Stadion Money Management | Stadion Risk Based Balanced | | | | | | | | | | | | | | | | | 808 | Moderate Allocation | | 0.5500 | 0 | The Fund’s objective is to achieve a balance between long-term capital appreciation and capital preservation. The Fund strives to capture roughly 60% of the market’s up moves while avoiding at least 40% of the market’s down moves relative to the S & P 500® over a full market cycle.
The investment objective of the Stadion Risk Based Balanced Fund is to seek long-term capital appreciation while maintaining an equal emphasis on capital preservation. . The Fund invests primarily in exchange traded funds. The Fund consists of an equity allocation, a fixed income allocation and an actively managed flex position. The flex allocation will generally invest in equity markets or market sectors when the Advisor’s model suggests that those markets or market sectors have become or are becoming low risk and offer opportunities for growth. Likewise, the flex allocation generally will move out of these markets or market sectors when the model suggests these markets or market segments have or are becoming more risky. The Fund is actively managed and periodically weighted toward market sectors in an attempt to achieve the stated objective. Since the Fund’s assets can and will be allocated to cash or cash equivalent positions as a defensive measure to preserve capital, the Fund will generally tend to underperform as compared to the S & P 500 Index during periods of prolonged rising market prices, but generally outperform the S & P 500 Index during periods of prolonged declining market prices.
| | | 0.5500 |
| ModelxChange | Stadion Money Management | Stadion Risk Based Capital Preservation | | | | | | | | | | | | | | | | | 810 | Moderately Conservative Allocation | | 0.5500 | 0 | The Fund’s objective is to achieve a balance between long-term capital appreciation and capital preservation. The Fund strives to capture roughly
50% of the market’s up moves while avoiding at least 80% of the market’s down moves relative to the S & P 500® over a full market cycle.
The investment objective of the Stadion Risk Based Capital Preservation Fund is to maintain emphasis on capital preservation while seeking selective opportunities for long term capital appreciation. The Fund invests primarily in exchange traded funds. The Fund consists of an equity allocation, a fixed income allocation and an actively managed flex position. The flex allocation will generally invest in equity markets or market sectors when the Advisor’s model suggests that those markets or market sectors have become or are becoming low risk and offer opportunities for growth. Likewise, the flex allocation generally will move out of these markets or market sectors when the model suggests these markets or market segments have or are becoming more risky. The Fund is actively managed and periodically weighted toward market sectors in an attempt to achieve the stated objective. Since the Fund’s assets can and will be allocated to cash or cash equivalent positions as a defensive measure to preserve capital, the Fund will generally tend to underperform as compared to the S & P 500 Index during periods of prolonged rising market prices, but generally outperform the S & P 500 Index during periods of prolonged declining market prices. | | | 0.5500 |
| ModelxChange | Stadion Money Management | Stadion Risk Based Conservative | | | | | | | | | | | | | | | | | 809 | Moderately Conservative Allocation | | 0.5500 | 0 | The Fund’s objective is to achieve a balance between long-term capital appreciation and capital preservation. The Fund strives to capture roughly
50% of the market’s up moves while avoiding at least 60% of the market’s down moves relative to the S & P 500® over a full market cycle.
The investment objective of the Stadion Risk Based Conservative Fund is to maintain emphasis on capital preservation while seeking selective opportunities for long-term capital appreciation. The Fund invests primarily in exchange traded funds. The Fund consists of an equity allocation, a fixed income allocation and an actively managed flex position. The flex allocation will generally invest in equity markets or market sectors when the Advisor’s model suggests that those markets or market sectors have become or are becoming low risk and offer opportunities for growth. Likewise, the flex allocation generally will move out of these markets or market sectors when the model suggests these markets or market segments have or are becoming more risky. The Fund is actively managed and periodically weighted toward market sectors in an attempt to achieve the stated objective. Since the Fund’s assets can and will be allocated to cash or cash equivalent positions as a defensive measure to preserve capital, the Fund will generally tend to underperform as compared to the S & P 500 Index during periods of prolonged rising market prices, but generally outperform the S & P 500 Index during periods of prolonged declining market prices. | | | 0.5500 |
| ModelxChange | Stadion Money Management | Stadion Risk Based Growth | | | | | | | | | | | | | | | | | 806 | Moderately Aggressive Allocation | | 0.5500 | 0 | The Fund’s objective is to achieve a balance between long-term capital appreciation and capital preservation. The Fund strives to capture roughly 70%
of the market’s up moves while avoiding at least 20% of the market’s down moves relative to the S & P 500® over a full market cycle
The investment objective of the Stadion Risk Based Growth Fund is to seek long-term capital appreciation while maintaining a secondary emphasis on capital preservation. The Fund invests primarily in exchange traded funds. The Fund consists of an equity allocation, a fixed income allocation and an actively managed flex position. The flex allocation will generally invest in equity markets or market sectors when the Advisor’s model suggests that those markets or market sectors have become or are becoming low risk and offer opportunities for growth. Likewise, the flex allocation generally will move out of these markets or market sectors when the model suggests these markets or market segments have or are becoming more risky. The Fund is actively managed and periodically weighted toward market sectors in an attempt to achieve the stated objective. Since the Fund’s assets can and will be allocated to cash or cash equivalent positions as a defensive measure to preserve capital, the Fund will generally tend to underperform as compared to the S & P 500 Index during periods of prolonged rising market prices, but generally outperform the S & P 500 Index during periods of prolonged declining market prices.
| | | 0.5500 |
| ModelxChange | Stadion Money Management | Stadion Risk Based Moderate | | | | | | | | | | | | | | | | | 807 | Moderate Allocation | | 0.5500 | 0 | The Fund’s objective is to achieve a balance between long-term capital appreciation and capital preservation. The Fund strives to capture roughly 60%
of the market’s up moves while avoiding at least 25% of the market’s down moves relative to the S & P 500® over a full market cycle.
The investment objective of the Stadion Risk Based Moderate Fund is to seek long-term capital appreciation while maintaining a secondary emphasis on capital preservation. The Fund invests primarily in exchange traded funds. The Fund consists of an equity allocation, a fixed income allocation and an actively managed flex position. The flex allocation will generally invest in equity markets or market sectors when the Advisor’s model suggests that those markets or market sectors have become or are becoming low risk and offer opportunities for growth. Likewise, the flex allocation generally will move out of these markets or market sectors when the model suggests these markets or market segments have or are becoming more risky. The Fund is actively managed and periodically weighted toward market sectors in an attempt to achieve the stated objective. Since the Fund’s assets can and will be allocated to cash or cash equivalent positions as a defensive measure to preserve capital, the Fund will generally tend to underperform as compared to the S & P 500 Index during periods of prolonged rising market prices, but generally outperform the S & P 500 Index during periods of prolonged declining market prices. | | | 0.5500 |
| ModelxChange | Stadion Money Management | Stadion Target Date 2010 | | | | | | | | | | | | | | | | | 804 | Target-Date 2015 | | 0.5500 | 0 | The Stadion Target Date Fund Series is designed to change the investment allocation as retirement nears. Depending on the proximity to its target date, each fund will seek to achieve the following objectives to varying degrees: growth, income and preservation of capital. The Stadion Target Date Funds are made up of an equity portion, fixed income portion and a flex portion that are actively managed. As the retirement date nears, the equity allocation decreases, while the fixed income allocation increases automatically. Initially, the flex portion will be managed with an emphasis on aggressive market exposure resulting in the greatest amount of market risk for the potential of greater returns. Overtime, this portion will be managed with an increasingly conservative emphasis on market exposure.
The Funds invest primarily in exchange-traded funds (“ETFs”) and cash positions. Generally the target date funds will be actively managed and periodically weighted toward market sector positions selected by the Advisor when the Advisor believes its asset allocation model indicates that the applicable market or sector is likely to appreciate. Likewise, the Funds will be weighted toward cash or cash equivalent positions when the Advisor believes the cash asset class offers the best performance potential in weak market environments. The target date funds may invest in any type of ETF, including index-based ETFs, sector-based ETFs, inverse ETFs, and fixed-income ETFs. The Funds may hold ETFs with portfolios comprised of domestic or foreign stocks or bonds or any combination thereof.
| | | 0.5500 |
| ModelxChange | Stadion Money Management | Stadion Target Date 2020 | | | | | | | | | | | | | | | | | 803 | Target-Date 2025 | | 0.5500 | 0 | The Stadion Target Date Fund Series is designed to change the investment allocation as retirement nears. Depending on the proximity to its target date, each fund will seek to achieve the following objectives to varying degrees: growth, income and preservation of capital.
The Stadion Target Date Funds are made up of an equity portion, fixed income portion and a flex portion that are actively managed. As the retirement date nears, the equity allocation decreases, while the fixed income allocation increases automatically. Initially, the flex portion will be managed with an emphasis on aggressive market exposure resulting in the greatest amount of market risk for the potential of greater returns. Overtime, this portion will be managed with an increasingly conservative emphasis on market exposure.
The Funds invest primarily in exchange-traded funds (“ETFs”) and cash positions. Generally the target date funds will be actively managed and periodically weighted toward market sector positions selected by the Advisor when the Advisor believes its asset allocation model indicates that the applicable market or sector is likely to appreciate. Likewise, the Funds will be weighted toward cash or cash equivalent positions when the Advisor believes the cash asset class offers the best performance potential in weak market environments. The target date funds may invest in any type of ETF, including index-based ETFs, sector-based ETFs, inverse ETFs, and fixed-income ETFs. The Funds may hold ETFs with portfolios comprised of domestic or foreign stocks or bonds or any combination thereof.
| | | 0.5500 |
| ModelxChange | Stadion Money Management | Stadion Target Date 2030 | | | | | | | | | | | | | | | | | 802 | Target-Date 2035 | | 0.5500 | 0 | The Stadion Target Date Fund Series is designed to change the investment allocation as retirement nears. Depending on the proximity to its target date, each fund will seek to achieve the following objectives to varying degrees: growth, income and preservation of capital. The Stadion Target Date Funds are made up of an equity portion, fixed income portion and a flex portion that are actively managed. As the retirement date nears, the equity allocation decreases, while the fixed income allocation increases automatically. Initially, the flex portion will be managed with an emphasis on aggressive market exposure resulting in the greatest amount of market risk for the potential of greater returns. Overtime, this portion will be managed with an increasingly conservative emphasis on market exposure.
The Funds invest primarily in exchange-traded funds (“ETFs”) and cash positions. Generally the target date funds will be actively managed and periodically weighted toward market sector positions selected by the Advisor when the Advisor believes its asset allocation model indicates that the applicable market or sector is likely to appreciate. Likewise, the Funds will be weighted toward cash or cash equivalent positions when the Advisor believes the cash asset class offers the best performance potential in weak market environments. The target date funds may invest in any type of ETF, including index-based ETFs, sector-based ETFs, inverse ETFs, and fixed-income ETFs. The Funds may hold ETFs with portfolios comprised of domestic or foreign stocks or bonds or any combination thereof.
| | | 0.5500 |
| ModelxChange | Stadion Money Management | Stadion Target Date 2040 | | | | | | | | | | | | | | | | | 801 | Target-Date 2045 | | 0.5500 | 0 | The Stadion Target Date Fund Series is designed to change the investment allocation as retirement nears. Depending on the proximity to its target date, each fund will seek to achieve the following objectives to varying degrees: growth, income and preservation of capital.
The Stadion Target Date Funds are made up of an equity portion, fixed income portion and a flex portion that are actively managed. As the retirement date nears, the equity allocation decreases, while the fixed income allocation increases automatically. Initially, the flex portion will be managed with an emphasis on aggressive market exposure resulting in the greatest amount of market risk for the potential of greater returns. Overtime, this portion will be managed with an increasingly conservative emphasis on market exposure.
The Funds invest primarily in exchange-traded funds (“ETFs”) and cash positions. Generally the target date funds will be actively managed and periodically weighted toward market sector positions selected by the Advisor when the Advisor believes its asset allocation model indicates that the applicable market or sector is likely to appreciate. Likewise, the Funds will be weighted toward cash or cash equivalent positions when the Advisor believes the cash asset class offers the best performance potential in weak market environments. The target date funds may invest in any type of ETF, including index-based ETFs, sector-based ETFs, inverse ETFs, and fixed-income ETFs. The Funds may hold ETFs with portfolios comprised of domestic or foreign stocks or bonds or any combination thereof.
| | | 0.5500 |
| ModelxChange | Stadion Money Management | Stadion Target Date 2050 | | | | | | | | | | | | | | | | | 800 | Target-Date 2055 | | 0.5500 | 0 | The Stadion Target Date Fund Series is designed to change the investment allocation as retirement nears. Depending on the proximity to its target date, each fund will seek to achieve the following objectives to varying degrees: growth, income and preservation of capital. The Stadion Target Date Funds are made up of an equity portion, fixed income portion and a flex portion that are actively managed. As the retirement date nears, the equity allocation decreases, while the fixed income allocation increases automatically. Initially, the flex portion will be managed with an emphasis on aggressive market exposure resulting in the greatest amount of market risk for the potential of greater returns. Overtime, this portion will be managed with an increasingly conservative emphasis on market exposure.
The Funds invest primarily in exchange-traded funds (“ETFs”) and cash positions. Generally the target date funds will be actively managed and periodically weighted toward market sector positions selected by the Advisor when the Advisor believes its asset allocation model indicates that the applicable market or sector is likely to appreciate. Likewise, the Funds will be weighted toward cash or cash equivalent positions when the Advisor believes the cash asset class offers the best performance potential in weak market environments. The target date funds may invest in any type of ETF, including index-based ETFs, sector-based ETFs, inverse ETFs, and fixed-income ETFs. The Funds may hold ETFs with portfolios comprised of domestic or foreign stocks or bonds or any combination thereof.
| | | 0.5500 |
| ModelxChange | Stadion Money Management | Stadion Target Date Income | | | | | | | | | | | | | | | | | 805 | Target-Date 2000-2010 | | 0.5500 | 0 | The Stadion Target Date Fund Series is designed to change the investment allocation as retirement nears. Depending on the proximity to its target date, each fund will seek to achieve the following objectives to varying degrees: growth, income and preservation of capital.
The Stadion Target Date Funds are made up of an equity portion, fixed income portion and a flex portion that are actively managed. As the retirement date nears, the equity allocation decreases, while the fixed income allocation increases automatically. Initially, the flex portion will be managed with an emphasis on aggressive market exposure resulting in the greatest amount of market risk for the potential of greater returns. Overtime, this portion will be managed with an increasingly conservative emphasis on market exposure.
The Funds invest primarily in exchange-traded funds (“ETFs”) and cash positions. Generally the target date funds will be actively managed and periodically weighted toward market sector positions selected by the Advisor when the Advisor believes its asset allocation model indicates that the applicable market or sector is likely to appreciate. Likewise, the Funds will be weighted toward cash or cash equivalent positions when the Advisor believes the cash asset class offers the best performance potential in weak market environments. The target date funds may invest in any type of ETF, including index-based ETFs, sector-based ETFs, inverse ETFs, and fixed-income ETFs. The Funds may hold ETFs with portfolios comprised of domestic or foreign stocks or bonds or any combination thereof.
| | | 0.5500 |
| ModelxChange | Statheros Financial Solutions, Inc. | Statheros 0/100 Global Allocation (Preservation) | 02/28/2026 12:00:00 AM | 1.0554 | 5.2181 | 4.7132 | 0.5726 | 1.0554 | 5.7551 | 2.7159 | 5.1113 | -10.9413 | -1.2516 | 3.73 | 4.77 | -0.04 | -0.59 | | 4068 | Multisector Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4068 | 0.1000 | 0 | The objective of this asset allocation model is to seek capital preservation and total returns consisting of current income. This model is intended to be used by investors in tax-exempt accounts for whom minimizing taxes and capital gains is not a primary objective.
This model invests 100% of its investments in cash equivalents and fixed income funds with no allocation to equity funds. Fixed income funds include a global mix with ultra-short, short- and intermediate-term maturities. Due to varying market conditions, it is expected that these investments may not maintain their balance to the underlying securities.
| | | 0.2924 |
| ModelxChange | Statheros Financial Solutions, Inc. | Statheros 100/0 All Equity ESG | 02/28/2026 12:00:00 AM | 4.2459 | 23.1035 | | | 4.2459 | | | | | | | | | | | 12682 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12682 | 0.1000 | 0 | The objective of this global asset allocation model is to seek total returns consisting primarily of capital appreciation. This model is intended to be used by investors in tax-exempt accounts for whom minimizing taxes and capital gains is not a primary objective. This model allocates to equity funds including domestic, international, and emerging market securities that are screened for certain environmental, social and corporate governance criteria as determined by the underlying fund managers. There is no allocation to fixed income securities. | | | 0.2574 |
| ModelxChange | Statheros Financial Solutions, Inc. | Statheros 100/0 Global Allocation (All Equity) | 02/28/2026 12:00:00 AM | 6.9477 | 23.7064 | 18.3199 | 10.6467 | 6.9477 | 17.9152 | 13.9377 | 20.3183 | -17.7829 | 20.4969 | 11.7 | 14.89 | 1.09 | 0.52 | | 4073 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4073 | 0.1000 | 0 | The objective of this global asset allocation model is to seek total returns consisting primarily of capital appreciation. This model is intended to be used by investors in tax-exempt accounts for whom minimizing taxes and capital gains is not a primary objective.
This model allocates its assets into equity funds only with no allocation to fixed income funds. Equity funds include domestic, international, emerging market, and real estate securities. Due to varying market conditions, it is expected that these investments may not maintain their balance to the underlying securities allocation.
| | | 0.2980 |
| ModelxChange | Statheros Financial Solutions, Inc. | Statheros 20/80 Global Allocations (Conservative) | 02/28/2026 12:00:00 AM | 2.3762 | 9.1275 | 7.4841 | 2.7345 | 2.3762 | 8.5963 | 4.8010 | 7.9191 | -12.1381 | 3.1703 | 4.95 | 6.3 | 0.51 | -0.09 | | 4069 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4069 | 0.1000 | 0 | The objective of this global model allocation is to seek total returns consisting of current income and some capital appreciation. This model is intended to be used by investors in tax-exempt accounts for whom minimizing taxes and capital gains is not a primary objective.
Generally, this model invests 20% of its investments in equity funds and 80% in fixed income funds. Fixed income funds include a global mix with short- to intermediate-term maturities. Equity funds include domestic, international, emerging markets, and real estate securities. Due to varying market conditions, it is expected that these investments may not maintain their balance to the underlying securities.
| | | 0.3133 |
| ModelxChange | Statheros Financial Solutions, Inc. | Statheros 25/75 Conservative ESG | | | | | | | | | | | | | | | | | 12684 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12684 | 0.1000 | 0 | The objective of this global model allocation is to seek total returns consisting of current income and some capital appreciation. This model is intended to be used by investors in tax-exempt accounts for whom minimizing taxes and capital gains is not a primary objective. Generally, this model invests 25% of its investments in equity funds and 75% in fixed income funds. Fixed income funds include a global mix with short- to intermediate-term maturities and equity funds include domestic, international, and emerging markets securities. Funds are screened for certain environmental, social and corporate governance criteria as determined by the underlying fund managers. | | | 0.2575 |
| ModelxChange | Statheros Financial Solutions, Inc. | Statheros 40/60 Global Allocation (Moderate) | 02/28/2026 12:00:00 AM | 3.5541 | 12.6573 | 9.9892 | 4.7040 | 3.5541 | 10.7704 | 6.9041 | 10.7982 | -13.4710 | 7.4385 | 6.65 | 8.43 | 0.75 | 0.18 | | 4070 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4070 | 0.1000 | 0 | The objective of this global model allocation is to seek total returns consisting of capital appreciation and current income. This model is intended to be used by investors in tax-exempt accounts for whom minimizing taxes and capital gains is not a primary objective.
Generally, this model invests 40% of its investments in equity funds and 60% in fixed income funds. Fixed income funds include a global mix with short- to intermediate-term maturities. Equity funds include domestic, international, emerging markets, and real estate securities. Due to varying market conditions, it is expected that these investments may not maintain their balance to the underlying securities.
| | | 0.3130 |
| ModelxChange | Statheros Financial Solutions, Inc. | Statheros 60/40 Balanced ESG | 02/28/2026 12:00:00 AM | 2.8594 | 15.4447 | | | 2.8594 | | | | | | | | | | | 12683 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12683 | 0.1000 | 0 | The objective of this global model allocation is to seek total returns consisting of capital appreciation and current income. This model is intended to be used by investors in tax-exempt accounts for whom minimizing taxes and capital gains is not a primary objective. Generally, this model invests 60% of its investments in equity funds and 40% in fixed income funds that are screened for certain environmental, social and corporate governance criteria as determined by the underlying fund managers. Equity funds include domestic, international, and emerging markets securities. Fixed income funds include a global mix with short- to intermediate-term maturities. | | | 0.2520 |
| ModelxChange | Statheros Financial Solutions, Inc. | Statheros 60/40 Global Allocation (Balanced) | 02/28/2026 12:00:00 AM | 4.6089 | 16.3233 | 12.6507 | 6.6630 | 4.6089 | 13.3182 | 9.0753 | 13.6768 | -14.8275 | 11.6527 | 8.19 | 10.51 | 0.91 | 0.34 | | 4071 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4071 | 0.1000 | 0 | The objective of this global model allocation is to seek total returns consisting of capital appreciation and current income. This model is intended to be used by investors in tax-exempt accounts for whom minimizing taxes and capital gains is not a primary objective.
Generally, this model invests 60% of its investments in equity funds and 40% in fixed income funds. Equity funds include domestic, international, emerging markets, and real estate securities. Fixed income funds include a global mix with short- to intermediate-term maturities. Due to varying market conditions, it is expected that these investments may not maintain their balance to the underlying securities.
| | | 0.3013 |
| ModelxChange | Statheros Financial Solutions, Inc. | Statheros 80/20 Global Allocation (Aggressive) | 02/28/2026 12:00:00 AM | 5.8940 | 20.2297 | 15.1820 | 8.4877 | 5.8940 | 15.7114 | 10.9783 | 16.4177 | -16.2297 | 15.7505 | 10.05 | 12.82 | 0.98 | 0.43 | | 4072 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4072 | 0.1000 | 0 | The objective of this global model allocation is to seek total returns consisting of capital appreciation and current income. This model is intended to be used by investors in tax-exempt accounts for whom minimizing taxes and capital gains is not a primary objective.
Generally, this model invests 80% of its investments in equity funds and 20% in fixed income funds. Equity funds include domestic, international, emerging markets, and real estate securities. Fixed income funds include a global mix with intermediate-term maturities. Due to varying market conditions, it is expected that these investments may not maintain their balance to the underlying securities.
| | | 0.2902 |
| ModelxChange | Symmetry Partners | Symmetry Evolution 2020 Portfolio | | | | | | | | | | | | | | | | | 2056 | Target-Date 2020 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2056 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Evolution Portfolios are invested in the Symmetry Structured Qualified (Non-Tax-Managed) Model allocations. The current allocation for the Evolution 2020 is Symmetry Structured 30/70. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums | | | 0.3890 |
| ModelxChange | Symmetry Partners | Symmetry Evolution 2025 Portfolio | 02/28/2026 12:00:00 AM | 3.1461 | 12.1585 | 9.2252 | 4.6909 | 3.1461 | 10.8522 | 6.1016 | 9.2935 | -9.9420 | 6.7532 | 4.88 | 6.54 | 0.85 | 0.2 | | 2057 | Target-Date 2025 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2057 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Evolution Portfolios are invested in the Symmetry Structured Qualified (Non-Tax-Managed) Model allocations. The current allocation for the Evolution 2025 is Symmetry Structured 40/60. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums | | | 0.3890 |
| ModelxChange | Symmetry Partners | Symmetry Evolution 2030 Portfolio | 02/28/2026 12:00:00 AM | 3.9046 | 15.1001 | 10.7603 | 5.7435 | 3.9046 | 13.1130 | 6.8849 | 10.6016 | -11.4731 | 9.5794 | 5.93 | 8.01 | 0.95 | 0.3 | | 2058 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2058 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Evolution 2030 Portfolio is targeted for individuals born from 1960 to 1964 or anticipating retirement around 2030. The Evolution models are dynamically rebalanced every five years into a more conservative positioning until 2030. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.4536 |
| ModelxChange | Symmetry Partners | Symmetry Evolution 2035 Portfolio | 02/28/2026 12:00:00 AM | 4.1102 | 15.6186 | 11.6987 | 6.1985 | 4.1102 | 13.5337 | 7.6884 | 12.7230 | -14.3197 | 12.2710 | 7.81 | 10.09 | 0.85 | 0.3 | | 2059 | Target-Date 2035 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2059 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Evolution 2035 Portfolio is targeted at individuals born from 1965 to 1969 or anticipating retirement around 2035. The Evolution models are dynamically rebalanced every five years into a more conservative positioning until 2035. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.4680 |
| ModelxChange | Symmetry Partners | Symmetry Evolution 2040 Portfolio | 02/28/2026 12:00:00 AM | 4.9558 | 18.6245 | 13.2524 | 7.4376 | 4.9558 | 15.5288 | 8.8953 | 13.5427 | -13.5228 | 13.5330 | 7.86 | 10.35 | 1.02 | 0.41 | | 2060 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2060 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Evolution 2040 Portfolio is targeted for individuals born from 1970 to 1974 or anticipating retirement around 2040. The Evolution models are dynamically rebalanced every five years into a more conservative positioning until 2040. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.4807 |
| ModelxChange | Symmetry Partners | Symmetry Evolution 2045 Portfolio | 02/28/2026 12:00:00 AM | 5.3831 | 20.6166 | 14.6565 | 8.5609 | 5.3831 | 17.0243 | 10.0621 | 15.0927 | -13.3787 | 15.4273 | 8.79 | 11.34 | 1.06 | 0.48 | | 2061 | Target-Date 2045 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2061 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Evolution 2045 Portfolio is targeted for individuals born from 1975 to 1979 or anticipating retirement around 2045. The Evolution models are dynamically rebalanced every five years into a more conservative positioning until 2045. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.4965 |
| ModelxChange | Symmetry Partners | Symmetry Evolution 2050 Portfolio | 02/28/2026 12:00:00 AM | 6.2351 | 23.3860 | 16.0882 | 9.5958 | 6.2351 | 18.8823 | 10.9269 | 16.0561 | -14.0883 | 17.7986 | 9.48 | 12.57 | 1.12 | 0.52 | | 2062 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2062 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Evolution 2050 Portfolio is targeted for individuals born from 1980 to 1984 or anticipating retirement around 2050. The Evolution models are dynamically rebalanced every five years into a more conservative positioning until 2050. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.5087 |
| ModelxChange | Symmetry Partners | Symmetry Evolution 2055 Portfolio | 02/28/2026 12:00:00 AM | 6.5177 | 25.2802 | 17.2863 | 10.4993 | 6.5177 | 20.5180 | 11.8473 | 17.2029 | -14.1212 | 19.4506 | 10.39 | 13.39 | 1.13 | 0.56 | | 2063 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2063 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Evolution 2055 Portfolio is targeted for individuals born from 1985 to 1989 or anticipating retirement around 2055. The Evolution models are dynamically rebalanced every five years into a more conservative positioning until 2055. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.5234 |
| ModelxChange | Symmetry Partners | Symmetry Evolution 2060 Portfolio | 02/28/2026 12:00:00 AM | 6.7806 | 27.1525 | 18.5868 | 11.6699 | 6.7806 | 22.0235 | 13.1411 | 18.4967 | -14.0661 | 21.7956 | 11.28 | 14.47 | 1.15 | 0.6 | | 2064 | Target-Date 2055 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2064 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Evolution 2060 Portfolio is targeted for individuals born from 1990 to 1994 or anticipating retirement around 2060. The Evolution models are dynamically rebalanced every five years into a more conservative positioning until 2060. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.5344 |
| ModelxChange | Symmetry Partners | Symmetry Evolution 2065 Portfolio | | | | | | | | | | | | | | | | | 14663 | Target-Date 2065+ | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL14663 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Evolution 2065 Portfolio is targeted for individuals born in 1995 or later or anticipating retirement around 2065. The Evolution models are dynamically rebalanced every five years into a more conservative positioning until 2065. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight.
| | | 0.5455 |
| ModelxChange | Symmetry Partners | Symmetry Evolution Retirement Income Portfolio | 02/28/2026 12:00:00 AM | 3.2776 | 12.4438 | 9.1292 | 4.4624 | 3.2776 | 11.0002 | 5.8998 | 8.7707 | -10.2526 | 6.2471 | 4.77 | 6.34 | 0.85 | 0.17 | | 2055 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2055 | 0.2500 | 0 | The Evolution Portfolios are representative of target date or target maturity portfolios. The most appropriate Evolution Portfolio can be selected based upon either the investor's current age or years until retirement. Furthest maturity dates from the present date represent the highest exposure to stocks and are designed for investors with a very long investment time horizon. Allocation to bonds increase with a decrease in the allocation to stocks for Evolution Portfolios as the present date approaches the maturity date. The Retirement Income model is targeted at individuals over 65 years old, or who are approaching or in retirement. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.4536 |
| ModelxChange | Symmetry Partners | Symmetry Retire Aggressive Growth Portfolio | 02/28/2026 12:00:00 AM | 6.8519 | 27.3387 | 18.6279 | 11.6356 | 6.8519 | 22.2163 | 12.9626 | 18.5225 | -14.2664 | 21.7809 | 11.29 | 14.49 | 1.15 | 0.59 | | 2034 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2034 | 0.2500 | 0 | Symmetry Retire Aggressive Growth Portfolio might be the right solution for investors who are seeking a complete turnkey investment solution that offers international diversification but with a home country bias. The Aggressive Growth portfolio is engineered to provide full exposure to the global equity market with a slightly elevated expected return due to increased factor exposure. Typical investors in this portfolio are seeking long-term growth, have a minimum investment time horizon of 10 years and are willing to accept significant price volatility. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight.
| | | 0.5455 |
| ModelxChange | Symmetry Partners | Symmetry Retire Balanced Growth Portfolio | 02/28/2026 12:00:00 AM | 4.9941 | 18.3498 | 13.2791 | 7.3308 | 4.9941 | 15.1785 | 9.0538 | 13.7901 | -13.6162 | 12.7786 | 8.03 | 10.42 | 1 | 0.4 | | 1969 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1969 | 0.2500 | 0 | Symmetry Retire Balanced Growth Portfolio might be the right solution for investors who are seeking a complete turnkey investment solution that offers international diversification but with a home country bias. The Balanced Growth portfolio is engineered to provide moderate exposure to the global equity market with a slightly elevated expected return due to increased factor exposure. Typical investors in this portfolio are seeking moderate growth of principal, have a minimum investment time horizon of six years and are willing to accept moderate price volatility. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.4965 |
| ModelxChange | Symmetry Partners | Symmetry Retire Conservative Growth Portfolio | 02/28/2026 12:00:00 AM | 2.6422 | 9.9034 | 7.6179 | 3.4358 | 2.6422 | 9.0210 | 4.9188 | 7.3502 | -8.9282 | 3.6960 | 4 | 5.12 | 0.66 | 0.01 | | 2031 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2031 | 0.2500 | 0 | Symmetry Retire Conservative Growth Portfolio might be the right solution for investors who are seeking a complete turnkey investment solution that offers international diversification but with a home country bias. The Conservative Growth portfolio is engineered to provide limited exposure to the global equity market with a slightly elevated expected return due to increased factor exposure. Typical investors in this portfolio have a low appetite for loss, have a minimum investment time horizon of five years and are unwilling to accept much price volatility. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a lower than market duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.4404 |
| ModelxChange | Symmetry Partners | Symmetry Retire Growth Portfolio | 02/28/2026 12:00:00 AM | 6.1142 | 23.0782 | 15.9391 | 9.4586 | 6.1142 | 18.6264 | 10.9131 | 16.0467 | -13.9342 | 17.1214 | 9.61 | 12.34 | 1.09 | 0.51 | | 2033 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2033 | 0.2500 | 0 | Symmetry Retire Growth Portfolio might be the right solution for investors who are seeking a complete turnkey investment solution that offers international diversification but with a home country bias. The Growth portfolio is engineered to provide significant exposure to the global equity market with a slightly elevated expected return due to increased factor exposure. Typical investors in this portfolio are seeking long-term growth, have a minimum investment time horizon of eight years and are willing to accept significant price volatility. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.5234 |
| ModelxChange | Symmetry Partners | Symmetry Retire Moderate Growth Portfolio | 02/28/2026 12:00:00 AM | 3.9705 | 14.5521 | 10.6080 | 6.3250 | 3.9705 | 12.4830 | 7.0754 | 10.4716 | -10.8948 | 11.8966 | 5.87 | 8.03 | 0.93 | 0.37 | | 2032 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2032 | 0.2500 | 0 | Symmetry Retire Moderate Growth Portfolio might be the right solution for investors who are seeking a complete turnkey investment solution that offers international diversification but with a home country bias. Moderate Growth portfolio is engineered to provide moderate exposure to the global equity market with a slightly elevated expected return due to increased factor exposure. Typical investors in this portfolio are seeking conservative growth of principal, have a minimum investment time horizon of five years and are willing to accept limited price volatility. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a lower than market duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.4680 |
| ModelxChange | Symmetry Partners | Symmetry Structured 0/100 Portfolio | | | | | | | | | | | | | | | | | 2030 | Short-Term Bond | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2030 | 0.2500 | 0 | Symmetry’s Structured 0/100 Portfolio might be the right solution for investors who are seeking a bond portfolio with low exposure to duration and credit risk. The 0/100 portfolio is engineered to mitigate equity market risk. Typical investors in this portfolio have a low appetite for loss, have a minimum investment time horizon of three years and are risk-averse. The portfolio provides access to domestic investment grade bonds with the majority of the assets invested in the 1-5 year segment of the market. The global bond fund invests in high quality U.S. and currency-hedged international obligations while utilizing a variable maturity approach to identify the optimal country and maturity for the highest expected returns within its buy range. The strategy uses the current yield curve as the best estimate for the future curve instead of interest rate forecasting. | | | 0.3380 |
| ModelxChange | Symmetry Partners | Symmetry Structured 10/90 Portfolio | | | | | | | | | | | | | | | | | 2196 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2196 | 0.2500 | 0 | Symmetry’s Structured Portfolio might be the right solution for investors who are seeking a complete turnkey investment solution that offers international diversification but with a home country bias. The 10/90 portfolio is engineered to provide very limited exposure to the global equity market with a slightly elevated expected return due to increased factor exposure. Typical investors in this portfolio have a low appetite for loss, have a minimum investment time horizon of four years and are unwilling to accept much price volatility. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a lower than market duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.3457 |
| ModelxChange | Symmetry Partners | Symmetry Structured 30/70 Portfolio | 02/28/2026 12:00:00 AM | 3.0029 | 11.7738 | 8.9842 | 4.5331 | 3.0029 | 10.6266 | 6.0505 | 8.8109 | -9.7605 | 6.4981 | 4.73 | 6.25 | 0.83 | 0.18 | | 2197 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2197 | 0.2500 | 0 | Symmetry’s Structured Portfolio might be the right solution for investors who are seeking a complete turnkey investment solution that offers international diversification but with a home country bias. The 30/70 portfolio is engineered to provide limited exposure to the global equity market with a slightly elevated expected return due to increased factor exposure. Typical investors in this portfolio are seeking conservative growth of principal, have a minimum investment time horizon of five years and are willing to accept limited price volatility. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a lower than market duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.3890 |
| ModelxChange | Symmetry Partners | Symmetry Structured 50/50 Portfolio | 02/28/2026 12:00:00 AM | 4.3091 | 16.1562 | 11.6180 | 6.4374 | 4.3091 | 13.7639 | 7.6275 | 11.6505 | -11.3247 | 10.6258 | 6.66 | 8.61 | 0.97 | 0.37 | | 2198 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2198 | 0.2500 | 0 | Symmetry’s Structured Portfolio might be the right solution for investors who are seeking a complete turnkey investment solution that offers international diversification but with a home country bias. The 50/50 portfolio is engineered to provide moderate exposure to the global equity market with a slightly elevated expected return due to increased factor exposure. Typical investors in this portfolio are seeking conservative growth of principal, have a minimum investment time horizon of five years and are willing to accept moderate price volatility. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a lower than market duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.4314 |
| ModelxChange | Symmetry Partners | Symmetry Structured 70/30 Portfolio | 02/28/2026 12:00:00 AM | 6.0079 | 21.5037 | 14.8988 | 8.5892 | 6.0079 | 17.1615 | 10.0694 | 14.9293 | -13.6909 | 15.0904 | 8.89 | 11.33 | 1.07 | 0.48 | | 2199 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2199 | 0.2500 | 0 | Symmetry’s Structured Portfolio might be the right solution for investors who are seeking a complete turnkey investment solution that offers international diversification but with a home country bias. The 70/30 portfolio is engineered to provide significant exposure to the global equity market with a slightly elevated expected return due to increased factor exposure. Typical investors in this portfolio are seeking moderate growth of principal, have a minimum investment time horizon of seven years and are willing to accept moderate price volatility. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.4821 |
| ModelxChange | Symmetry Partners | Symmetry Structured 90/10 Portfolio | 02/28/2026 12:00:00 AM | 6.9428 | 25.6672 | 17.3661 | 10.4561 | 6.9428 | 20.3826 | 11.7543 | 17.2222 | -14.1176 | 18.9767 | 10.44 | 13.39 | 1.13 | 0.55 | | 2200 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2200 | 0.2500 | 0 | Symmetry’s Structured Portfolio might be the right solution for investors who are seeking a complete turnkey investment solution that offers international diversification but with a home country bias. The 90/10 portfolio is engineered to provide significant exposure to the global equity market with a slightly elevated expected return due to increased factor exposure. Typical investors in this portfolio are seeking long-term growth, have a minimum investment time horizon of nine years and are willing to accept significant price volatility. The portfolio attempts to capture some of the value, small cap, profitability and momentum equity premiums. It also overweights U.S. stocks and real estate investment trusts relative to market cap weight. The fixed income allocation is comprised of domestic and global investment grade bonds and targets a market-like duration. It seeks to capture some of the maturity and credit fixed income premiums. | | | 0.5215 |
| ModelxChange | Tactive Advisors, LLC. | Tactive Aggressive Growth | 02/28/2026 12:00:00 AM | 2.0484 | 13.0183 | 16.0402 | 8.6651 | 2.0484 | 12.2346 | 15.3712 | 19.2740 | -11.5352 | 11.7541 | 9.27 | 10.28 | 1.14 | 0.52 | | 12392 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12392 | 0.4500 | 0 | The Risk-Managed Aggressive Growth Portfolio is designed with a primary focus on achieving long-term capital appreciation. This portfolio allocates the majority of assets to higher-risk asset classes, with a smaller portion invested in lower-risk assets. It is designed for investors who are comfortable with significant risk, including the possibility of negative returns over an extended period of one to two years or longer. This portfolio is suited for those with a long-term investment horizon and no immediate liquidity needs. It’s important to note that there is no guarantee this objective will be met. To achieve stability and diversification, we utilize the Black-Litterman asset allocation methodology, combined with active risk management, to determine the optimal asset allocation at various risk levels. The systematic inclusion of a broad spectrum of alternative asset classes is a key differentiator. Each asset class is assigned an investable benchmark index, which plays a dual role:
-It is a critical part of the asset allocation process (pre-investment).
-It serves as a benchmark for monitoring portfolio and sub-portfolio performance (post-investment). | | | 1.0913 |
| ModelxChange | Tactive Advisors, LLC. | Tactive Conservative | 02/28/2026 12:00:00 AM | 2.8259 | 10.6212 | 9.0664 | 5.2552 | 2.8259 | 9.3841 | 8.3223 | 7.0871 | -5.9884 | 6.7563 | 4.37 | 5.62 | 0.91 | 0.32 | | 12388 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12388 | 0.4500 | 0 | Strategy Overview
The Risk-Managed Conservative Portfolio is designed with the focus on preserving capital while achieving long-term capital appreciation. This portfolio predominantly invests in low-risk asset classes, with only a small allocation to higher-risk investments. It is tailored for investors with a low risk tolerance who prefer minimal potential for negative returns beyond a one-year time frame. Portfolio Construction
To achieve stability and diversification, we utilize the Black-Litterman asset allocation methodology, combined with active risk management, to determine the optimal asset allocation at various risk levels. The systematic inclusion of a broad spectrum of alternative asset classes is a key differentiator. Each asset class is assigned an investable benchmark index, which plays a dual role:
-It is a critical part of the asset allocation process (pre-investment).
-It serves as a benchmark for monitoring portfolio and sub-portfolio performance (post-investment). | | | 0.8692 |
| ModelxChange | Tactive Advisors, LLC. | Tactive Growth | 02/28/2026 12:00:00 AM | 2.6279 | 11.9789 | 10.6925 | 5.7258 | 2.6279 | 11.4203 | 12.4699 | 5.7941 | -10.0824 | 10.5354 | 8.84 | 9.18 | 0.65 | 0.27 | | 12391 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12391 | 0.4500 | 0 | The Risk-Managed Growth Portfolio is focused on achieving long-term capital appreciation. This portfolio allocates the majority of assets to higher-risk asset classes, with a smaller portion invested in lower-risk assets. It is designed for investors who are comfortable with signi?cant risk, including the possibility of negative returns over an extended period of one to two years or longer. This portfolio is suited for those with a long-term investment horizon and no immediate liquidity needs. It’s important to note that there is no guarantee this objective will be met. To achieve stability and diversification, we utilize the Black-Litterman asset allocation methodology, combined with active risk management, to determine the optimal asset allocation at various risk levels. The systematic inclusion of a broad spectrum of alternative asset classes is a key differentiator. Each asset class is assigned an investable benchmark index, which plays a dual role:
-It is a critical part of the asset allocation process (pre-investment).
-It serves as a benchmark for monitoring portfolio and sub-portfolio performance (post-investment). | | | 1.0030 |
| ModelxChange | Tactive Advisors, LLC. | Tactive Moderate | 02/28/2026 12:00:00 AM | 2.8568 | 10.9416 | 9.7715 | 5.0660 | 2.8568 | 10.0774 | 9.3414 | 7.5069 | -8.7359 | 7.4650 | 6.11 | 7.15 | 0.77 | 0.24 | | 12389 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12389 | 0.4500 | 0 | Strategy Overview
The Risk-Managed Moderate Portfolio is focused on achieving long-term capital growth with a balanced approach. This portfolio primarily allocates assets to higher-risk classes, with a significant portion also invested in lower-risk assets. It is suited for investors willing to accept a moderate level of risk in pursuit of growth. The investment horizon should be moderate to long term, with minimal liquidity needs. It’s important to note that there is no guarantee this objective will be met. Portfolio Construction
To achieve stability and diversification, we utilize the Black-Litterman asset allocation methodology, combined with active risk management, to determine the optimal asset allocation at various risk levels. The systematic inclusion of a broad spectrum of alternative asset classes is a key differentiator. Each asset class is assigned an investable benchmark index, which plays a dual role:
-It is a critical part of the asset allocation process (pre-investment).
-It serves as a benchmark for monitoring portfolio and sub-portfolio performance (post-investment). | | | 0.8526 |
| ModelxChange | Tactive Advisors, LLC. | Tactive Moderate Growth | 02/28/2026 12:00:00 AM | 2.8350 | 11.2221 | | | 2.8350 | 10.3227 | 12.0352 | | -8.2273 | 8.5353 | | | | | | 12390 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12390 | 0.4500 | 0 | The Risk-Managed Moderate Growth Portfolio is focused on achieving capital appreciation with a focus on long-term growth. This portfolio allocates a majority of assets to higher-risk classes, while maintaining a minority allocation to lower-risk investments. It is designed for investors willing to accept a moderately aggressive level of risk. The investment horizon should be long-term, with minimal to no immediate liquidity needs. It’s important to note that there is no guarantee this objective will be met. To achieve stability and diversification, we utilize the Black-Litterman asset allocation methodology, combined with active risk management, to determine the optimal asset allocation at various risk levels. The systematic inclusion of a broad spectrum of alternative asset classes is a key differentiator. Each asset class is assigned an investable benchmark index, which plays a dual role:
-It is a critical part of the asset allocation process (pre-investment).
-It serves as a benchmark for monitoring portfolio and sub-portfolio performance (post-investment). | | | 0.9334 |
| ModelxChange | Tandem Wealth Advisors | Tandem Conservative Portfolio | 02/28/2026 12:00:00 AM | 2.3698 | 8.5409 | 7.4252 | 2.2963 | 2.3698 | 8.1066 | 5.2227 | 7.6442 | -14.3107 | 4.4517 | 5.53 | 7.51 | 0.46 | -0.12 | | 942 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL942 | 0.5000 | 0 | The Tandem Conservative Portfolio seeks to protect principal by investing in lower-risk securities with less fluctuation such as fixed income and money market securities. A smaller portion of the portfolio is invested in equities to help offset inflation. With a balance of 20% of assets in equities and 80% of assets in fixed income and money market securities, this portfolio is suitable for investors who:
• Have a shorter-term timeframe or conservative level of risk
• Seek stable returns with some capital appreciation
• Seek principal preservation and less loss over the investment period The Tandem ETF Portfolios® use an allocation strategy to build a diversified core portfolio to capture market returns at a low cost. The first objective is to provide investors with broad market exposure and risk control. This is the foundation or core of the portfolio, which focuses on the long term. A smaller portion of the portfolio is used to take advantage of short-term opportunities to generate additional return beyond the core.
The investment strategy is total return, consisting of both capital appreciation and income. Portfolios are monitored to determine when rebalancing between asset classes is required. The portfolios hold a necessary amount of positions for broad diversification and low turnover. In addition, portfolios contain appropriate percentages of US and non-US (international) holdings for both diversification and dividends.
In most cases, bonds are concentrated in rated A or better fixed income positions to contribute stable income returns with minimal volatility. The investment objective of the portfolio is to match or outperform a comparable benchmark such as the Morningstar Conservative Target Risk Composite over rolling three-year and five-year periods, and to do so with low volatility and less risk. | | 0.0113 | 0.6980 |
| ModelxChange | Tandem Wealth Advisors | Tandem Moderate Aggressive Portfolio | 02/28/2026 12:00:00 AM | 5.0183 | 16.2101 | 14.1013 | 6.4965 | 5.0183 | 12.3806 | 11.5141 | 16.0461 | -17.1994 | 11.0694 | 9.84 | 12.2 | 0.91 | 0.29 | | 939 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL939 | 0.5000 | 0 | The Tandem Moderate Aggressive Portfolio favors investors with the capacity to ride out volatility and variations in return to obtain long-term growth of capital. This allocation involves more risk, but not as much as a portfolio invested only in equities. With a balance of 80% of assets in equities and 20% of assets in fixed income and money market securities, this portfolio is suitable for investors who:
• Have a long-term timeframe or a moderate aggressive level of risk
• Seek capital appreciation with a bias towards growth
• Seek long-term growth with ability to withstand market fluctuations The Tandem ETF Portfolios® use an allocation strategy to build a diversified core portfolio to capture market returns at a low cost. The first objective is to provide investors with broad market exposure and risk control. This is the foundation or core of the portfolio, which focuses on the long term. A smaller portion of the portfolio is used to take advantage of short-term opportunities to generate additional return beyond the core.
The investment strategy is total return, consisting of both capital appreciation and income. Portfolios are monitored to determine when rebalancing between asset classes is required. The portfolios hold a necessary amount of positions for broad diversification and low turnover. In addition, portfolios contain appropriate percentages of US and non-US (international) holdings for both diversification and dividends.
In most cases, bonds are concentrated in rated A or better fixed income positions to contribute stable income returns with minimal volatility. The investment objective of the portfolio is to match or outperform a comparable benchmark such as the Morningstar Moderate Aggressive Target Risk Composite over rolling three-year and five-year periods, and to do so with low volatility and less risk. | | | 0.7400 |
| ModelxChange | Tandem Wealth Advisors | Tandem Moderate Conservative Portfolio | 02/28/2026 12:00:00 AM | 3.2514 | 11.0190 | 9.4492 | 3.7458 | 3.2514 | 9.5104 | 6.9321 | 10.1942 | -14.4560 | 6.2134 | 6.87 | 8.71 | 0.65 | 0.07 | | 941 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL941 | 0.5000 | 0 | The Tandem Moderate Conservative Portfolio seeks to protect a larger portfolio of the portfolio’s value, but willing to take some risk with equity exposure to provide protection against inflation. While still holding a portion of its assets in equities, the higher percentage in fixed income will dampen short-term volatility, forgoing higher long-term returns in favor of overall stability. With a balance of 40% of assets in equities and 60% of assets in fixed income and money market securities, this portfolio is suitable for investors who:
• Have a short-to-intermediate timeframe or a moderate conservative level of risk
• Seek stable returns with capital appreciation
• Seek some opportunity to increase the value of investments The Tandem ETF Portfolios® use an allocation strategy to build a diversified core portfolio to capture market returns at a low cost. The first objective is to provide investors with broad market exposure and risk control. This is the foundation or core of the portfolio, which focuses on the long term. A smaller portion of the portfolio is used to take advantage of short-term opportunities to generate additional return beyond the core.
The investment strategy is total return, consisting of both capital appreciation and income. Portfolios are monitored to determine when rebalancing between asset classes is required. The portfolios hold a necessary amount of positions for broad diversification and low turnover. In addition, portfolios contain appropriate percentages of US and non-US (international) holdings for both diversification and dividends.
In most cases, bonds are concentrated in rated A or better fixed income positions to contribute stable income returns with minimal volatility. The investment objective of the portfolio is to match or outperform a comparable benchmark such as the Morningstar Moderate Conservative Target Risk Composite over rolling three-year and five-year periods, and to do so with low volatility and less risk. | | 0.0081 | 0.7133 |
| ModelxChange | Tandem Wealth Advisors | Tandem Moderate Portfolio | 02/28/2026 12:00:00 AM | 4.1493 | 13.7384 | 11.7765 | 5.2761 | 4.1493 | 11.0832 | 9.0305 | 13.1727 | -15.8557 | 9.7836 | 8.33 | 10.42 | 0.81 | 0.21 | | 940 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL940 | 0.5000 | 0 | The Tandem Moderate Portfolio balances risk and return to provide both capital appreciation and interest income for long-term gains. This balanced portfolio is likely to entail fluctuations in value over short-term periods, but with less volatility than the overall equity market over long-term periods. With a balance of 60% of assets in equities and 40% of assets in fixed income and money market securities, this portfolio is suitable for investors who:
• Have an intermediate term timeframe or a moderate level of risk
• Seek capital appreciation with stable returns
• Seek opportunity to increase the value of investments to keep pace with inflation The Tandem ETF Portfolios® use an allocation strategy to build a diversified core portfolio to capture market returns at a low cost. The first objective is to provide investors with broad market exposure and risk control. This is the foundation or core of the portfolio, which focuses on the long term. A smaller portion of the portfolio is used to take advantage of short-term opportunities to generate additional return beyond the core.
The investment strategy is total return, consisting of both capital appreciation and income. Portfolios are monitored to determine when rebalancing between asset classes is required. The portfolios hold a necessary amount of positions for broad diversification and low turnover. In addition, portfolios contain appropriate percentages of US and non-US (international) holdings for both diversification and dividends.
In most cases, bonds are concentrated in rated A or better fixed income positions to contribute stable income returns with minimal volatility. The investment objective of the portfolio is to match or outperform a comparable benchmark such as the Morningstar Moderate Target Risk Composite over rolling three-year and five-year periods, and to do so with low volatility and less risk. | | 0.0050 | 0.7285 |
| ModelxChange | Toews Corporation | Toews All Equity | | | | | | | | | | | | | | | | | 3162 | Aggressive Allocation | | 0.0000 | 0 | Our primary objective is to participate in market gains, but to avoid significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit markets during the preliminary phase of the decline, before large losses are realized. When markets are rising, assets are fully invested and we attempt to track the market indices. During significant long-term declines, Toews attempts to mimic the return of money market or fixed income instruments and avoid the majority of losses. | | | 0.0000 |
| ModelxChange | Toews Corporation | Toews Balanced | | | | | | | | | | | | | | | | | 3163 | Moderate Allocation | | 0.0000 | 0 | Our primary objective is to participate in market gains, but to avoid significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit markets during the preliminary phase of the decline, before large losses are realized. When markets are rising, assets are fully invested and we attempt to track the market indices. During significant long-term declines, Toews attempts to mimic the return of money market or fixed income instruments and avoid the majority of losses. | | | 0.0000 |
| ModelxChange | Toews Corporation | Toews Balanced Growth | | | | | | | | | | | | | | | | | 3164 | Moderately Aggressive Allocation | | 0.0000 | 0 | Our primary objective is to participate in market gains, but to avoid significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit markets during the preliminary phase of the decline, before large losses are realized. When markets are rising, assets are fully invested and we attempt to track the market indices. During significant long-term declines, Toews attempts to mimic the return of money market or fixed income instruments and avoid the majority of losses. | | | 0.0000 |
| ModelxChange | Toews Corporation | Toews Balanced Income | | | | | | | | | | | | | | | | | 3165 | Moderately Conservative Allocation | | 0.0000 | 0 | Our primary objective is to participate in market gains, but to avoid significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit markets during the preliminary phase of the decline, before large losses are realized. When markets are rising, assets are fully invested and we attempt to track the market indices. During significant long-term declines, Toews attempts to mimic the return of money market or fixed income instruments and avoid the majority of losses. | | | 0.0000 |
| ModelxChange | Toews Corporation | Toews Capital Preservation | | | | | | | | | | | | | | | | | 3166 | Conservative Allocation | | 0.0000 | 0 | Our primary objective is to participate in market gains, but to avoid significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit markets during the preliminary phase of the decline, before large losses are realized. When markets are rising, assets are fully invested and we attempt to track the market indices. During significant long-term declines, Toews attempts to mimic the return of money market or fixed income instruments and avoid the majority of losses. | | | 0.0000 |
| ModelxChange | Toews Corporation | Toews Conservative Income | | | | | | | | | | | | | | | | | 3172 | Multisector Bond | | 0.0000 | 0 | Our primary objective is to participate in market gains, but to avoid significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit markets during the preliminary phase of the decline, before large losses are realized. When markets are rising, assets are fully invested and we attempt to track the market indices. During significant long-term declines, Toews attempts to mimic the return of money market or fixed income instruments and avoid the majority of losses. | | | 0.0000 |
| ModelxChange | Toews Corporation | Toews Defensive Alpha - Balanced | | | | | | | | | | | | | | | | | 3168 | Moderate Allocation | | 0.0000 | 0 | Our primary objective is to participate in market gains, but to reduce significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit into defensive stocks during the preliminary phase of the decline, before large losses are realized. When markets are rising, assets are fully invested and we attempt to track the market indices to achieve strong upcapture. During significant long-term declines, Toews attempts to lower drawdowns, with diminished whipsaw risk. | | | 0.0000 |
| ModelxChange | Toews Corporation | Toews Defensive Alpha - Equity | | | | | | | | | | | | | | | | | 3169 | Aggressive Allocation | | 0.0000 | 0 | Our primary objective is to participate in market gains, but to reduce significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit into defensive stocks during the preliminary phase of the decline, before large losses are realized. When markets are rising, assets are fully invested and we attempt to track the market indices to achieve strong upcapture. During significant long-term declines, Toews attempts to lower drawdowns, with diminished whipsaw risk. | | | 0.0000 |
| ModelxChange | Toews Corporation | Toews Growth | | | | | | | | | | | | | | | | | 3167 | Moderately Aggressive Allocation | | 0.0000 | 0 | Our primary objective is to participate in market gains, but to avoid significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit markets during the preliminary phase of the decline, before large losses are realized. When markets are rising, assets are fully invested and we attempt to track the market indices. During significant long-term declines, Toews attempts to mimic the return of money market or fixed income instruments and avoid the majority of losses. | | | 0.0000 |
| ModelxChange | Toews Corporation | Toews High Income | | | | | | | | | | | | | | | | | 3170 | High Yield Bond | | 0.0000 | 0 | Our primary objective is to add yield and participate in gains, but avoid significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit High Yield Bonds during the preliminary phase of the decline, before large losses are realized. When High Yield Bonds are rising, assets are fully invested in low cost High Yield funds and we attempt to track the Index. During significant long- term declines, Toews attempts to mimic the return of money markets and avoid the majority of losses. | | | 0.0000 |
| ModelxChange | Toews Corporation | Toews Moderate Income | | | | | | | | | | | | | | | | | 3171 | Multisector Bond | | 0.0000 | 0 | Our primary objective is to participate in market gains, but to avoid significant losses. Our research shows that virtually all market declines of significance are preceded by periods of negative, more moderate price decreases. Our strategy attempts to exit markets during the preliminary phase of the decline, before large losses are realized. When markets are rising, assets are fully invested and we attempt to track the market indices. During significant long-term declines, Toews attempts to mimic the return of money market or fixed income instruments and avoid the majority of losses. | | | 0.0000 |
| ModelxChange | Trademark Capital Management Inc. | Cash Balance Investment Solution | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 1694 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1694 | 0.5500 | 0 | To achieve the 30-year treasury crediting rating with an equal focus on capital preservation. The portfolio is strategically allocated 30% to diversified equity funds and 70% to diversified fixed income funds. We then measure risk based on a proprietary quantitative model. As risk increases, we tactically adjust both our fixed income and equity portions of the portfolio to allow for less exposure during destructive market conditions. | | | 0.7091 |
| ModelxChange | Trademark Capital Management Inc. | Tactical Risk Strategy | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 2124 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2124 | 0.5500 | 0 | Trademark's Tactical Risk Strategy is our flagship, tactical unconstrained, portfolio that seeks to participate in equity markets during lower-risk, constructive market environments and staunchly protect our investors’ capital in down markets. We utilize exchange traded funds (ETFs) to create and tactically adjust a diversified and balanced portfolio according to current market conditions. | | | 0.8005 |
| ModelxChange | Trademark Capital Management Inc. | Trademark Risk Avoider | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8229 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8229 | 0.3500 | 0 | A Risk Avoider Investor is focused on safety of capital. They are willing to accept minimal risks, and thereby, receive minimum returns. | | | 0.4448 |
| ModelxChange | Trademark Capital Management Inc. | Trademark Risk Embracer | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8225 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8225 | 0.3500 | 0 | A Risk Embracer Investor accepts substantial risks in order to maximize potential returns over the long term. Understands that they could lose a significant part of capital. | | | 0.5075 |
| ModelxChange | Trademark Capital Management Inc. | Trademark Risk Manager | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8227 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8227 | 0.3500 | 0 | A Risk Manager Investor seeks modest long-term capital appreciation. Preserving capital is a secondary goal. | | | 0.4672 |
| ModelxChange | Trademark Capital Management Inc. | Trademark Risk Mitigator | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8228 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8228 | 0.3500 | 0 | A Risk Mitigator Investor accepts a minimal amount of risk in exchange for some potential returns over the medium to long term. | | | 0.4320 |
| ModelxChange | Trademark Capital Management Inc. | Trademark Risk Taker | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 8226 | Tactical Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL8226 | 0.3500 | 0 | A Risk Taker Investor accepts high risk in an effort to maximize potential returns over the medium to long term. | | | 0.5175 |
| ModelxChange | Trademark Capital Management Inc. | Trademark Tactical Risk 2020 | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 2043 | | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2043 | 0.4500 | 0 | The Trademark Tactical Risk Series seeks capital appreciation through age-appropriate asset allocations while maintaining an emphasis on downside risk management through a tactical risk overlay. The landing allocation for the funds is 40% equity and 60% fixed income. The Trademark glidepath design adjusts the broadly diversi?ed asset mix on a quarterly basis, gradually moving toward a more conservative allocation up to and through retirement to life expectancy. This approach takes into account investor behavior assumptions both before and after the target retirement date, which are used to create the slope of the glidepath.
The Trademark Tactical Risk Overlay can reduce exposure to the equity glidepath during periods of elevated market risk. While the level of the Tactical Risk Overlay is lower for younger investors, the predetermined maximum levels of protections increase up to and through retirement.
At age 65, the target retirement date, the maximum equity exposure is 50%. At age 70, the glidepath landing point, the allocation is 40% equity and 60% fixed income. The tactical overlay can reduce equity exposure to 5%. | | | 0.6095 |
| ModelxChange | Trademark Capital Management Inc. | Trademark Tactical Risk 2030 | 02/28/2026 12:00:00 AM | 1.1988 | 6.1476 | 8.1933 | 3.6135 | 1.1988 | 6.1881 | 8.5091 | 10.1041 | -14.3448 | 7.9216 | 2.62 | 6.52 | 1.19 | 0.04 | | 2044 | Target-Date 2030 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2044 | 0.4500 | 0 | The Trademark Tactical Risk Series seeks capital appreciation through age-appropriate asset allocations while maintaining an emphasis on downside risk management through a tactical risk overlay. The landing allocation for the funds is 40% equity and 60% fixed income. The Trademark glidepath design adjusts the broadly diversi?ed asset mix on a quarterly basis, gradually moving toward a more conservative allocation up to and through retirement to life expectancy. This approach takes into account investor behavior assumptions both before and after the target retirement date, which are used to create the slope of the glidepath.
The Trademark Tactical Risk Overlay can reduce exposure to the equity glidepath during periods of elevated market risk. While the level of the Tactical Risk Overlay is lower for younger investors, the predetermined maximum levels of protections increase up to and through retirement.
At age 65, the target retirement date, the maximum equity exposure is 50%. At age 70, the glidepath landing point, the allocation is 40% equity and 60% fixed income. The tactical overlay can reduce equity exposure to 5% | | | 0.5850 |
| ModelxChange | Trademark Capital Management Inc. | Trademark Tactical Risk 2040 | | | | | | | | | | | | | | | | | 2045 | Target-Date 2040 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2045 | 0.4500 | 0 | The Trademark Tactical Risk Series seeks capital appreciation through age-appropriate asset allocations while maintaining an emphasis on downside risk management through a tactical risk overlay. The landing allocation for the funds is 40% equity and 60% fixed income. The Trademark glidepath design adjusts the broadly diversi?ed asset mix on a quarterly basis, gradually moving toward a more conservative allocation up to and through retirement to life expectancy. This approach takes into account investor behavior assumptions both before and after the target retirement date, which are used to create the slope of the glidepath.
The Trademark Tactical Risk Overlay can reduce exposure to the equity glidepath during periods of elevated market risk. While the level of the Tactical Risk Overlay is lower for younger investors, the predetermined maximum levels of protections increase up to and through retirement.
At age 65, the target retirement date, the maximum equity exposure is 50%. At age 70, the glidepath landing point, the allocation is 40% equity and 60% fixed income. The tactical overlay can reduce equity exposure to 5%. | | | 0.5840 |
| ModelxChange | Trademark Capital Management Inc. | Trademark Tactical Risk 2050 | | | | | | | | | | | | | | | | | 2046 | Target-Date 2050 | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2046 | 0.4500 | 0 | The Trademark Tactical Risk Series seeks capital appreciation through age-appropriate asset allocations while maintaining an emphasis on downside risk management through a tactical risk overlay. The landing allocation for the funds is 40% equity and 60% fixed income. The Trademark glidepath design adjusts the broadly diversi?ed asset mix on a quarterly basis, gradually moving toward a more conservative allocation up to and through retirement to life expectancy. This approach takes into account investor behavior assumptions both before and after the target retirement date, which are used to create the slope of the glidepath.
The Trademark Tactical Risk Overlay can reduce exposure to the equity glidepath during periods of elevated market risk. While the level of the Tactical Risk Overlay is lower for younger investors, the predetermined maximum levels of protections increase up to and through retirement.
At age 65, the target retirement date, the maximum equity exposure is 50%. At age 70, the glidepath landing point, the allocation is 40% equity and 60% fixed income. The tactical overlay can reduce equity exposure to 5%. | | | 0.5932 |
| ModelxChange | Trademark Capital Management Inc. | Trademark Tactical Risk Retirement | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 2042 | Target-Date Retirement | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL2042 | 0.4500 | 0 | The Trademark Tactical Risk Series seeks capital appreciation through age-appropriate asset allocations while maintaining an emphasis on downside risk management through a tactical risk overlay. The landing allocation for the funds is 40% equity and 60% fixed income. The Trademark glidepath design adjusts the broadly diversi?ed asset mix on a quarterly basis, gradually moving toward a more conservative allocation up to and through retirement to life expectancy. This approach takes into account investor behavior assumptions both before and after the target retirement date, which are used to create the slope of the glidepath.
The Trademark Tactical Risk Overlay can reduce exposure to the equity glidepath during periods of elevated market risk. While the level of the Tactical Risk Overlay is lower for younger investors, the predetermined maximum levels of protections increase up to and through retirement.
At age 65, the target retirement date, the maximum equity exposure is 50%. At age 70, the glidepath landing point, the allocation is 40% equity and 60% fixed income. The tactical overlay can reduce equity exposure to 5%.
| | | 0.6095 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Exchange Traded Product Aggressive Growth | 02/28/2026 12:00:00 AM | 4.5167 | 20.3299 | 16.6051 | 9.8407 | 4.5167 | 17.7885 | 12.9596 | 18.6875 | -15.5153 | 18.3957 | 10.52 | 13.33 | 1.06 | 0.51 | | 1292 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1292 | 0.0000 | 0 | Emphasis is entirely on future capital appreciation. Substantial principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio is predominately invested in equities. | | | 0.0697 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Exchange Traded Product Capital Preservation | | | | | | | | | | | | | | | | | 1288 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1288 | 0.0000 | 0 | Emphasis is on generating a stable level of current income. Future capital appreciation is a secondary objective. Modest annual principal fluctuation is expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio is predmoniately invested in fixed income.
| | | 0.2452 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Exchange Traded Product Conservative | 02/28/2026 12:00:00 AM | 2.5985 | 10.5769 | 9.4714 | 4.2463 | 2.5985 | 10.5850 | 6.3314 | 10.8937 | -12.7157 | 5.5392 | 6.86 | 7.95 | 0.66 | 0.13 | | 1289 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1289 | 0.0000 | 0 | Emphasis on generating current income. Future capital appreciation is a secondary objective. Some principal fluctuation is expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio is tilted toward fixed income and away from equities. | | | 0.1965 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Exchange Traded Product Conservative 20/80 | 02/28/2026 12:00:00 AM | 2.4432 | 9.2026 | 8.1344 | 3.2005 | 2.4432 | 9.5528 | 4.5370 | 9.4756 | -12.2933 | 3.3477 | 6.5 | 7.28 | 0.5 | -0.01 | | 4147 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4147 | 0.0000 | 0 | Emphasis on generating current income. Future capital appreciation is a secondary objective. Some principal fluctuation is expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | | 0.2208 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Exchange Traded Product Growth | 02/28/2026 12:00:00 AM | 3.9858 | 16.4698 | 13.8554 | 7.7961 | 3.9858 | 14.6814 | 10.3638 | 15.8945 | -14.5177 | 14.0514 | 9.23 | 11.41 | 0.94 | 0.41 | | 1291 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1291 | 0.0000 | 0 | Primary emphasis is on future capital appreciation. Income is a secondary objective. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio is tilted toward equities and away from fixed income. | | | 0.1141 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Exchange Traded Product Growth 100/0 | 02/28/2026 12:00:00 AM | 4.8855 | 21.4259 | 17.9162 | 10.9765 | 4.8855 | 18.4137 | 14.4736 | 20.5078 | -16.1590 | 21.4764 | 11.37 | 14.5 | 1.09 | 0.55 | | 4151 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4151 | 0.0000 | 0 | Primary emphasis is on future capital appreciation. Income is a secondary objective. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | | 0.0475 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Exchange Traded Product Growth 80/20 | 02/28/2026 12:00:00 AM | 4.3034 | 18.3022 | 15.2838 | 8.9252 | 4.3034 | 16.2963 | 11.6848 | 17.3408 | -15.0617 | 16.5916 | 9.94 | 12.46 | 1 | 0.47 | | 4150 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4150 | 0.0000 | 0 | Primary emphasis is on future capital appreciation. Income is a secondary objective. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | | 0.0919 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Exchange Traded Product Moderate | 02/28/2026 12:00:00 AM | 3.4392 | 13.8253 | 11.5985 | 5.9646 | 3.4392 | 12.9561 | 7.8825 | 13.1365 | -13.5119 | 9.6135 | 7.99 | 9.58 | 0.82 | 0.29 | | 1290 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1290 | 0.0000 | 0 | Emphasis on both current income and future capital appreciation. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | | 0.1585 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Exchange Traded Product Moderate 40/60 | 02/28/2026 12:00:00 AM | 3.1996 | 12.2217 | 10.3507 | 4.9866 | 3.1996 | 11.7131 | 6.5651 | 11.8507 | -13.0296 | 7.2761 | 7.5 | 8.81 | 0.71 | 0.2 | | 4148 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4148 | 0.0000 | 0 | Emphasis on both current income and future capital appreciation. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | | 0.1807 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Exchange Traded Product Moderate 60/40 | 02/28/2026 12:00:00 AM | 3.7632 | 15.3049 | 12.8646 | 7.0077 | 3.7632 | 14.0207 | 9.1437 | 14.6683 | -13.8643 | 11.9398 | 8.62 | 10.57 | 0.89 | 0.37 | | 4149 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4149 | 0.0000 | 0 | Emphasis on both current income and future capital appreciation. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | | 0.1363 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Fund Based Aggressive Growth | 02/28/2026 12:00:00 AM | 3.8756 | 15.9836 | 15.7217 | 8.7344 | 3.8756 | 14.8951 | 13.7418 | 18.6343 | -17.3554 | 17.1729 | 10.25 | 13.13 | 1.01 | 0.44 | | 1307 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1307 | 0.0000 | 0 | Emphasis is entirely on future capital appreciation. Substantial principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio is predominately invested in equities. | | 0.0072 | 0.5649 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Fund Based Capital Preservation | | | | | | | | | | | | | | | | | 1294 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1294 | 0.0000 | 0 | Emphasis is on generating a stable level of current income. Future capital appreciation is a secondary objective. Modest annual principal fluctuation is expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio is predmoniately invested in fixed income.
| | 0.0439 | 0.4417 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Fund Based Conservative | 02/28/2026 12:00:00 AM | 2.8835 | 9.1580 | 8.7519 | 3.4948 | 2.8835 | 9.4913 | 5.1505 | 10.7811 | -13.8661 | 5.1240 | 7.26 | 8.37 | 0.53 | 0.04 | | 1295 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1295 | 0.0000 | 0 | Emphasis on generating current income. Future capital appreciation is a secondary objective. Some principal fluctuation is expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio is tilted toward fixed income and away from equities. | | 0.0347 | 0.4725 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Fund Based Conservative 20/80 | | | | | | | | | | | | | | | | | 4152 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4152 | 0.0000 | 0 | Emphasis on generating current income. Future capital appreciation is a secondary objective. Some principal fluctuation is expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | 0.0393 | 0.4571 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Fund Based Growth | 02/28/2026 12:00:00 AM | 3.6382 | 13.7064 | 13.4659 | 7.0141 | 3.6382 | 12.9705 | 10.9392 | 16.1342 | -16.0650 | 12.9186 | 9.17 | 11.4 | 0.9 | 0.35 | | 1306 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1306 | 0.0000 | 0 | Primary emphasis is on future capital appreciation. Income is a secondary objective. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio is tilted toward equities and away from fixed income. | | 0.0164 | 0.5341 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Fund Based Growth 100/0 | 02/28/2026 12:00:00 AM | 3.8528 | 17.0684 | 17.1054 | 9.7311 | 3.8528 | 15.9547 | 15.4437 | 20.4031 | -17.7885 | 19.1271 | 10.96 | 14.17 | 1.06 | 0.48 | | 4156 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4156 | 0.0000 | 0 | Primary emphasis is on future capital appreciation. Income is a secondary objective. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | | 0.5803 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Fund Based Growth 80/20 | 02/28/2026 12:00:00 AM | 3.5642 | 14.7808 | 14.6457 | 7.7928 | 3.5642 | 14.1717 | 12.2982 | 17.5924 | -17.0755 | 14.7845 | 9.74 | 12.36 | 0.96 | 0.39 | | 4155 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4155 | 0.0000 | 0 | Primary emphasis is on future capital appreciation. Income is a secondary objective. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | 0.0118 | 0.5495 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Fund Based Moderate | 02/28/2026 12:00:00 AM | 3.2198 | 11.5117 | 11.1438 | 5.2837 | 3.2198 | 11.3553 | 8.0527 | 13.4658 | -14.9742 | 9.0438 | 8.12 | 9.78 | 0.75 | 0.22 | | 1293 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1293 | 0.0000 | 0 | Emphasis on both current income and future capital appreciation. Principal risk and fluctuation are expected and acceptable.
This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | 0.0255 | 0.5033 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Fund Based Moderate 40/60 | 02/28/2026 12:00:00 AM | 3.0311 | 10.4128 | 10.0748 | 4.4474 | 3.0311 | 10.6345 | 6.5192 | 12.4380 | -14.4476 | 6.9363 | 7.73 | 9.16 | 0.66 | 0.14 | | 4153 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4153 | 0.0000 | 0 | Emphasis on both current income and future capital appreciation. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | 0.0301 | 0.4878 |
| ModelxChange | Vicus Capital, Inc. | Vicus Capital: Retirement Plan - Fund Based Moderate 60/40 | 02/28/2026 12:00:00 AM | 3.3084 | 12.6634 | 12.3582 | 6.1511 | 3.3084 | 12.4338 | 9.4626 | 14.9203 | -15.6578 | 10.8474 | 8.65 | 10.68 | 0.84 | 0.29 | | 4154 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL4154 | 0.0000 | 0 | Emphasis on both current income and future capital appreciation. Principal risk and fluctuation are expected and acceptable. This strategy uses a combination of strategic and tactical asset allocation approaches in seeking to optimize risk-adjusted returns. Strategic asset allocations are established based on an evaluation of the historical long-term risk and return relationships of various asset classes and what is considered to be realistic and reasonable expectations going forward. Additionally, asset classes are over- or under-weighted based on factors, including but not limited to, the stage of the current market cycle, long-term trends, secular factors and over-and under-valuation of various asset classes. The portfolio strikes a balance between fixed income and equities. | | 0.0210 | 0.5187 |
| ModelxChange | WealthPath Investment Advisors | WealthPath Smart Risk Aggressive MxC | 02/28/2026 12:00:00 AM | 9.1778 | 23.8331 | 18.3566 | 9.4477 | 9.1778 | 14.6610 | 14.7910 | 18.6794 | -16.8039 | 18.3352 | 13.27 | 15.39 | 0.98 | 0.44 | | 665 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL665 | 0.2500 | 0 | The Aggressive Growth model aims to outperform the broad US equity market over the long term. It is appropriate for investors with a long-term investment horizon who want to grow their assets and can can accept significant fluctuation in annual returns in exchange for long-term growth potential. The Aggressive Growth model invests up to 100% in US equities. The equity portion of the model is managed using a proprietary quantitative methodology that identifies the strongest sector (growth or value) in each of the 3 US equity size categories (large/mid/small cap). There will always be some allocation in each equity size category, though those allocations will change based on market conditions. The model invests predominantly using low-cost, diversified, index mutual funds and ETFs. The managers may, in rare cases, move up to 20% of the model's equity allocation into more conservative investments, if market valuations or other risk metrics warrant such a move. | | | 0.2924 |
| ModelxChange | WealthPath Investment Advisors | WealthPath Smart Risk Balanced MxC | 02/28/2026 12:00:00 AM | 5.8589 | 16.1798 | 12.6008 | 5.7454 | 5.8589 | 11.1826 | 9.3769 | 12.7112 | -14.4402 | 10.2332 | 8.23 | 10.16 | 0.9 | 0.26 | | 663 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL663 | 0.2500 | 0 | The Moderate Growth model aims to offer a balance of asset growth and reduced risk or current income compared to a portfolio heavy in equities. It is appropriate for investors with a medium to long-term investment horizon who want to grow their assets and can can accept some fluctuation in annual returns in exchange for growth potential without taking the risk of full exposure the the stock market. The Moderate Growth model invests around 60% in US equities, 30% in bonds, and 10% in money market holdings. The equity portion of the model is managed using a proprietary quantitative methodology that identifies the strongest sector (growth or value) in each of the 3 US equity size categories (large/mid/small cap). There will always be some allocation in each equity size category, though those allocations will change based on market conditions. The model invests predominantly using low-cost, diversified, index mutual funds and ETFs. The managers may, in rare cases, move up to 20% of the model's equity allocation into more conservative investments, if market valuations or other risk metrics warrant such a move. | | | 0.2994 |
| ModelxChange | WealthPath Investment Advisors | WealthPath Smart Risk Conservative MxC | 02/28/2026 12:00:00 AM | 3.3303 | 10.1966 | 8.4034 | 3.3997 | 3.3303 | 7.9802 | 6.0801 | 8.4647 | -10.0253 | 3.8326 | 4.61 | 5.93 | 0.73 | 0.01 | | 661 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL661 | 0.2500 | 0 | The Conservative Income model is appropriate for investors with a shorter-term investment horizon or a very low risk tolerance who can accept limited growth potential to focus more on investment stability and the long-term safety of their assets. The Conservative Income model invests around 30% in US equities, 40% in bonds, and 30% in money market holdings. The equity portion of the model is managed using a proprietary quantitative methodology that identifies the strongest sector (growth or value) in each of the 3 US equity size categories (large/mid/small cap). There will always be some allocation in each equity size category, though those allocations will change based on market conditions. The model invests predominantly using low-cost, diversified, index mutual funds and ETFs. The managers may, in rare cases, move up to 20% of the model's equity allocation into more conservative investments, if market valuations or other risk metrics warrant such a move. | | | 0.3198 |
| ModelxChange | WealthPath Investment Advisors | WealthPath Smart Risk Growth MxC | 02/28/2026 12:00:00 AM | 7.4968 | 20.0077 | 15.7190 | 7.6619 | 7.4968 | 13.0088 | 12.4484 | 15.9786 | -16.0316 | 14.3185 | 10.75 | 12.84 | 0.97 | 0.37 | | 664 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL664 | 0.2500 | 0 | The Growth model aims to perform close to the broad US equity market over the long term, but with slightly reduced risk. It is appropriate for investors with a long-term investment horizon who want to grow their assets and can can accept some fluctuation in annual returns in exchange for long-term growth potential. The Growth model invests around 80% in US equities and 20% in bonds. The equity portion of the model is managed using a proprietary quantitative methodology that identifies the strongest sector (growth or value) in each of the 3 US equity size categories (large/mid/small cap). There will always be some allocation in each equity size category, though those allocations will change based on market conditions. The model invests predominantly using low-cost, diversified, index mutual funds and ETFs. The managers may, in rare cases, move up to 20% of the model's equity allocation into more conservative investments, if market valuations or other risk metrics warrant such a move. | | | 0.2900 |
| ModelxChange | WealthPath Investment Advisors | WealthPath Smart Risk Moderate MxC | 02/28/2026 12:00:00 AM | | | | | | | | | | | | | | | | 662 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL662 | 0.2500 | 0 | The Income model is appropriate for investors with a medium-term investment horizon or a lower risk tolerance who can accept more limited growth potential to focus on current income or the long-term safety of their assets. The Income model invests around 40% in US equities, 50% in bonds, and 10% in money market holdings. The equity portion of the model is managed using a proprietary quantitative methodology that identifies the strongest sector (growth or value) in each of the 3 US equity size categories (large/mid/small cap). There will always be some allocation in each equity size category, though those allocations will change based on market conditions. The model invests predominantly using low-cost, diversified, index mutual funds and ETFs. The managers may, in rare cases, move up to 20% of the model's equity allocation into more conservative investments, if market valuations or other risk metrics warrant such a move. | | | 0.2970 |
| ModelxChange | WealthPlan Investment Management, LLC | WealthPlan Group Aggressive Growth | 02/28/2026 12:00:00 AM | 5.5876 | 24.3290 | | | 5.5876 | 20.6731 | | | | | | | | | | 12274 | Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12274 | 0.0000 | 0 | Seeks to provide long-term growth with emphasis on maximizing total return. Aggressive Growth - Appropriate for long-term investors who can tolerate market volatility. Invests primarily in domestic and international aggressive growth mutual funds. | | | 0.3021 |
| ModelxChange | WealthPlan Investment Management, LLC | WealthPlan Group Conservative | 02/28/2026 12:00:00 AM | 3.0186 | 13.4746 | | | 3.0186 | 12.5310 | | | | | | | | | | 12286 | Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12286 | 0.0000 | 0 | A conservatively managed portfolio for value to be protected during periods of market distress. Tactical All Conservative:
Slow and steady is the best way to describe this approach to investing. | | 0.0100 | 0.5063 |
| ModelxChange | WealthPlan Investment Management, LLC | WealthPlan Group Moderate Growth | 02/28/2026 12:00:00 AM | 4.5712 | 19.7787 | | | 4.5712 | 17.2602 | | | | | | | | | | 12284 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12284 | 0.0000 | 0 | Seeks to provide long-term growth with emphasis on maximizing total return. Moderate Aggressive Growth- Appropriate for long-term investors who can tolerate market volatility. Invests primarily in domestic and international aggressive growth mutual funds. | | | 0.3213 |
| ModelxChange | WealthPlan Investment Management, LLC | WealthPlan Group Tactical All Weather | 02/28/2026 12:00:00 AM | 3.6766 | 17.4483 | | | 3.6766 | 15.8716 | | | | | | | | | | 12285 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL12285 | 0.0000 | 0 | For someone who understands investing and is willing to take some risk to help their money grow, but also want a balance between building and protecting their money. Tactical All Weather- Would like the equity market exposure to be tactically managed so the portfolio values may be better protected in periods of severe market distress. | | 0.0075 | 0.4389 |
| ModelxChange | Wela Strategies | Wela All Growth | 02/28/2026 12:00:00 AM | 5.0744 | 19.5929 | 17.3055 | 10.7925 | 5.0744 | 17.3828 | 14.5235 | 18.4412 | -16.3746 | 24.6771 | 10.57 | 13.71 | 1.12 | 0.56 | | 1401 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1401 | 0.3000 | 0 | The portfolio has a complete allocation to the equity markets, which is diversified among domestic and international exposure along with different sector and market cap exposures. The All Growth composite includes all portfolios that are solely focused on capital appreciation. The portfolio has a complete allocation to the equity markets, which is diversified among domestic and international exposure along with different sector and market cap exposures. The strategic management of the portfolio looks to take advantage of macro and momentum based factors to position the composite to best take advantage of the current environment.
The composite invests solely into ETFs. The composite is geared towards individuals with a high tolerance for risk, as the composite has the ability to be volatile. | | | 0.3614 |
| ModelxChange | Wela Strategies | Wela Conservative Yield | | | | | | | | | | | | | | | | | 1407 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1407 | 0.3000 | 0 | The Conservative Yield model, comprised of 20% equity exposure and 80% income exposure, includes portfolios that have a strong desire to earn income via a diversified income portfolio approach. Growth exposure is gained via broad value based investments that gain exposure to both domestic and international markets. The Conservative Yield composite includes portfolios that have a strong desire to earn income via a diversified income portfolio approach. Growth exposure is gained via broad value based investments that gain exposure to both domestic and international markets. The fixed income allocation utilizes strategic shifts based on the macro and momentum environment within the fixed income markets to determine exposures to different types of bonds.
The composite utilizes only ETFs. There is risk involved in the composite, but the portfolios that comprise the composite are ones with minimal ability and/or willingness to take on risk. | | | 0.3818 |
| ModelxChange | Wela Strategies | Wela Own Your Age (OYA) 20 | 02/28/2026 12:00:00 AM | 4.5051 | 17.0715 | 15.0999 | 9.0407 | 4.5051 | 15.3604 | 12.3994 | 16.0556 | -15.4267 | 19.8559 | 9.31 | 11.98 | 1.05 | 0.49 | | 1402 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1402 | 0.3000 | 0 | The OYA 20 model is comprised of 80% growth exposure and 20% income exposure. Within the equity allocation the composite gains exposure to both domestic and international markets, along with strategically shifting among domestic sectors and market caps. Within the fixed income allocation we look to make broader decisions between the domestic and international bond space. The OYA 20 composite includes all portfolios that are looking for a diversified approach to capital appreciation. The composite focuses on making strategic shifts within allocations based on macro and momentum based factors. Within the equity allocation the composite gains exposure to both domestic and international markets, along with strategically shifting among domestic sectors and market caps. Within the fixed income allocation we look to make broader decisions between the domestic and international bond space.
The composite utilizes only ETFs. The composite is one that is geared towards an investor with a high risk tolerance, as the composite has the ability to be volatile. | | | 0.3566 |
| ModelxChange | Wela Strategies | Wela Own Your Age (OYA) 30 | 02/28/2026 12:00:00 AM | 4.2151 | 15.5356 | 13.7489 | 8.0079 | 4.2151 | 14.1504 | 10.8892 | 14.7309 | -14.9418 | 17.3732 | 8.64 | 11.05 | 0.98 | 0.44 | | 1403 | Moderately Aggressive Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1403 | 0.3000 | 0 | The OYA 30 model is comprised of 70% growth exposure and 30% income exposure. Within the equity allocation the composite gains exposure to both domestic and international markets, along with strategically shifting among domestic sectors and market caps. Within the fixed income allocation we look to make broader decisions between the domestic and international bond space. The OYA 30 composite includes all portfolios that are looking for capital appreciation, but want to gain more exposure to the fixed income decisions of the Wela Investment Committee. The strategy continues to get exposure to both domestic and international markets, along with implementing our sector rotation strategy, but gaining 30% exposure to the fixed income allocation. The portfolios in this composite implement the strategic macro and momentum based decisions within both the equity and fixed income space.
The composite invests solely into ETFs. This is a composite for portfolios that have a longer time horizon, but don’t want to take the risk associated with an all equity portfolio. | | | 0.3546 |
| ModelxChange | Wela Strategies | Wela Own Your Age (OYA) 40 | 02/28/2026 12:00:00 AM | 3.0853 | 14.6768 | 13.0419 | 7.0861 | 3.0853 | 14.0475 | 10.2478 | 14.4088 | -15.5153 | 14.4862 | 8.28 | 10.63 | 0.95 | 0.37 | | 1404 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1404 | 0.3000 | 0 | The OYA 40 model, comprised of 60% growth and 40% income, includes all portfolios that are geared towards capital appreciation, but want more concise exposure to the equity space and greater fixed income exposure. The OYA 40 composite includes all portfolios that are geared towards capital appreciation, but want more concise exposure to the equity space and greater fixed income exposure. The allocation to growth is more general in its exposure to domestic and international investments, while the fixed income allocation is diversified amongst different areas of the bond market. The Wela Investment Committee makes decisions, along with the general domestic vs. international, as to what sectors of the space should be over or underweighted given the views of the current macro environment.
The composite invests solely in ETFs. Despite having a more diverse exposure to the fixed income space, this composite remains volatile at times. | | | 0.3695 |
| ModelxChange | Wela Strategies | Wela Own Your Age (OYA) 50 | 02/28/2026 12:00:00 AM | 2.8883 | 13.1836 | 11.5357 | 5.8546 | 2.8883 | 12.7879 | 8.2805 | 12.9341 | -15.3464 | 11.9298 | 7.71 | 9.84 | 0.84 | 0.27 | | 1399 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1399 | 0.3000 | 0 | The composite looks to gain equal exposure to both the equity and fixed income allocation. The OYA 50 composite includes all portfolios that are geared towards a more balanced investment strategy. The composite looks to gain equal exposure to both the equity and fixed income allocation. Strategic decisions are made in regards to domestic vs. international in both the equity and fixed income allocations; along with broader decisions in the fixed income space relative to the type of bond exposure we desire.
The composite utilizes only ETFs. The composite is one that is geared towards an investor who is able to take on some risk, because both allocations of the portfolio provide possible volatility. | | | 0.3749 |
| ModelxChange | Wela Strategies | Wela Own Your Age (OYA) 60 | 02/28/2026 12:00:00 AM | 2.6642 | 11.6485 | 10.2792 | 4.9500 | 2.6642 | 11.5624 | 6.9379 | 11.5167 | -14.1238 | 9.0772 | 7.22 | 9.07 | 0.73 | 0.19 | | 1405 | Moderate Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1405 | 0.3000 | 0 | The OYA 60 model, comprised of 40% equity exposure and 60% income exposure, is geared towards investors that desire a greater fixed income allocation, but don’t want to completely eliminate the opportunity for capital appreciation. The OYA 60 composite includes all portfolios that desire a greater fixed income allocation, but don’t want to completely eliminate the opportunity for capital appreciation. The OYA 60 composite maintains a diverse allocation to the equity space with both domestic and international exposures along with strategic over and under weightings to the different market cap spaces. Within the fixed income allocation the strategic shifts are determined between the sectors of the fixed income space that seem most appealing given both macro and momentum based information.
The composite invests solely in ETFs. This portfolio is geared towards the investor with a mild risk tolerance, but a strong desire for fixed income exposure. | | | 0.3803 |
| ModelxChange | Wela Strategies | Wela Own Your Age (OYA) 70 | 02/28/2026 12:00:00 AM | 3.2867 | 10.2677 | 8.3922 | 4.8490 | 3.2867 | 9.2327 | 5.3021 | 7.8767 | -7.1656 | 5.6225 | 6 | 6.5 | 0.57 | 0.23 | | 1406 | Moderately Conservative Allocation | https://secure.macg.com/MATC_ToolkitFactSheet.aspx?TPA=44DE4969-613E-4B62-A005-04FAEAC06224&Model=MDL1406 | 0.3000 | 0 | The OYA 70 model, comprised of 30% equity exposure and 70% income exposure, includes all portfolios that are looking to generate income as a primary goal and capital appreciation as a secondary goal. The OYA 70 composite includes all portfolios that are looking to generate income as a primary goal and capital appreciation as a secondary goal. The OYA 70 portfolio limits its exposure to the equity markets and tries to capture growth exposure by broad domestic and international value investments solely. Within the fixed income allocation the composite gets exposure to both treasury investments along with specialty fixed income investments.
The composite invests solely in ETFs. This portfolio is geared towards a more conservative investor, who wants to limit exposure to growth investments. | | | 0.3893 |