Sample ETF Portfolio

Assset Class:  Fixed Income (20%)

5% Short-term US Treasury Bond – SHY

5% Investment-grade US Corp Bond – LQD

5% Total Bond Market – LAG

5% International Treasury Bond – BWX

Asset Class:  Stocks (80%)

10%  S&P 500 index (large cap core) – IVV

20%  S&P 400 index (mid cap core) – IJH

20%  S&P 600 index (small cap core) – IJR

20 % EAFE index (international developed markets, large cap) – EFA

20%  Emerging Market index – VWO

5%  DJ Commodity index – DJP

5%  DJ International Real Estate index – RWX

• Each ETF equal-weighted within major asset class
• Asset-weight deviations of more than 10% will be rebalanced to target allocation

* This is not a recommebdation. Your personal time frame and risk tolerance will be considered for an appropriate strategy