We use a rigorous and mathematical methodology to achieve efficient diversification, using portfolio optimization software from Ibbotson Associates.

We include a variety of asset classes in our portfolios:

• Large, mid, and small cap U.S. equities
• International and emerging market equities
• Real estate investment trusts
• Gold
• Fixed income

We build broad and global diversification around our core portfolio of large cap stocks and investment grade bonds using Exchange Traded Funds (ETFs). By diversifying into a variety of market segments and asset classes, we can improve the risk-reward ratio of portfolios and achieve superior returns for a given level of risk.