ACCOUNTABLE PORTFOLIOS

Customized to your purpose and preferences

Models illustrated with individual bond ladders. Actual portfolios can and will vary based on a variety of factors such as:

  • Individual bonds vs bond funds
  • Taxable vs Tax-Free fixed income
  • Socially conscious investing
  • Sustainability investing 
  • Size of account

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Weighted Average Expense Ratio .09%

Weighted Average Expense Ratio .09%

INCOME TARGET PORTFOLIO

  • 70% Fixed Income 
  • 18% US Equity 
  •   6% International Equity[ii] 
  •   3% Emerging Equity[ii]
  •   3% Global REITs[iii]

 

 

THE INCOME PORTFOLIO IS INTENDED TO HELP MANAGE RISK AND REDUCE THE POSSIBILITY OF LOSS. IT MAY ALSO BE APPROPRIATE FOR INVESTMENTS OVER A SHORT PERIOD OF TIME.

 

Weighted Average Expense Ratio .14%

Balanced TARGET PORTFOLIO

  • 50% Fixed Income
  • 30% US Equity 
  • 10% International Equity 
  •   5% Emerging Equity
  •   5% Global REITs

 

 

THE Balanced PORTFOLIO IS INTENDED TO SEEK THE POTENTIAL FOR GROWTH. IT IS APPROPRIATE FOR THOSE MODERATELY TOLERANT OF RISK AND PLAN TO INVEST FOR A MEDIUM/LONG PERIOD OF TIME.

 

Weighted Average Expense Ratio .18%

Growth & Income Target Portfolio

  • 40% Fixed Income
  • 36% US Equity 
  • 12% International Equity 
  •   6% Emerging Equity
  •   6% Global REITs

 

 

The Growth & Income Portfolio is intended to seek the potential for growth. It is appropriate for those moderately tolerant of risk and plan to invest for a medium/long period of time.

 

Weighted Average Expense Ratio .21%

Growth Target Portfolio

  • 30% Fixed Income
  • 42% US Equity 
  • 14% International Equity 
  •   7% Emerging Equity
  •   7% Global REITs

 

 

The Growth Portfolio is intended to seek potential investment growth. It is appropriate for those with a tolerance for market fluctuations and risk and that are planning to invest over a long period of time.

 

Weighted Average Expense Ratio .24%

Aggressive GROWTH TARGET PORTFOLIO

  • 48% US Equity 
  • 20% Fixed Income
  • 16% International Equity 
  •   8% Emerging Equity
  •   8% Global REITs

 

 

THE AGGRESSIVE GROWTH PORTFOLIO IS INTENDED FOR POTENTIALLY SUBSTANTIAL INVESTMENT GROWTH. IT IS APPROPRIATE FOR THOSE WITH A TOLERANCE FOR LARGE MARKET FLUCTUATIONS AND INCREASED RISK OF LOSS AND THAT ARE PLANNING TO INVEST OVER A LONG PERIOD OF TIME.

 

 

Weighted Average Expense Ratio .29%

Weighted Average Expense Ratio .29%

ALL EQUITY TARGET PORTFOLIO

  • 60% US Equity
  • 20% International Equity 
  • 10% Emerging Equity 
  • 10% Global REITs

 

 

THE All Equity PORTFOLIO IS INTENDED FOR POTENTIALLY SUBSTANTIAL INVESTMENT GROWTH. IT IS APPROPRIATE FOR THOSE WITH A TOLERANCE FOR LARGE MARKET FLUCTUATIONS AND INCREASED RISK OF LOSS AND THAT ARE PLANNING TO INVEST OVER A LONG PERIOD OF TIME. It is most commonly paired with fixed income investments being held away from atx portfolio advisors.

[i]Investing internationally carries additional risks such as differences in financial reporting, currency exchange risk, as well as economic and political risk unique to the specific country. This may result in greater share price volatility. Shares, when sold, may be worth more or less than their original cost.

[ii]Investments in emerging markets may be more volatile and less liquid than investing in developed markets and may involve exposure to economic structures that are generally less diverse and mature and to political systems which have less stability than those of more developed countries.

[iii]A REIT is a security that sells like a stock on the major exchanges and invests in real estate directly, either through properties or mortgages. REITs receive special tax considerations and typically offer investors high yields, as well as a highly liquid method of investing in real estate.  There are risks associated with these types of investments and include but are not limited to the following:  Potential inability to convert the asset to cash if circumstances change.  Potential inability to effect changes to portfolio allocations.  Potential difficulty determining true value of the asset and/or portfolio.  Typically no secondary market exists for the security listed above.  Potential difficulty discerning between routine interest payments and principal repayment.  Potential loss of value prior to first liquidity event.  Potential penalties when accessing principal between liquidity events.  Redemption price of a REIT may be worth more or less than the original price paid.  Value of the shares in the trust will fluctuate with the portfolio of underlying real estate.  Involves risks such as refinancing in the real estate industry, interest rates, availability of mortgage funds, operating expenses, cost of insurance, lease terminations, potential economic and regulatory changes.  This is neither an offer to sell nor a solicitation or an offer to buy the securities described herein.  The offering is made only by the Prospectus.