TFO Wealth Partners builds evidence based globally diversified portfolios consisting of over 10,000 companies in 41 countries worldwide. TFO Wealth Partners helps to take the guesswork out of building and rebalancing your retirement savings portfolio. Each portfolio consists of 4‐6 institutional mutual funds managed by Dimensional Fund Advisers (DFA) and Vanguard providing exposure to 21‐25 asset classes. *Access your account online to view updated performance of available funds TFO Wealth Partners Managed Portfolios Target Date Asset Allocation Funds Fund Name Ticker/ID Vanguard Target Retirement Income Inv VTINX Vanguard Target Retirement 2020 Inv VTWNX Vanguard Target Retirement 2025 Inv VTTVX Vanguard Target Retirement 2030 Inv VTHRX Vanguard Target Retirement 2035 Inv VTTHX Vanguard Target Retirement 2040 Inv VFORX Vanguard Target Retirement 2045 Inv VTIVX Vanguard Target Retirement 2050 Inv VFIFX Vanguard Target Retirement 2055 Inv VFFVX Vanguard Target Retirement 2060 Inv VTTSX Vanguard Target Retirement 2065 Inv VLXVX Vanguard Target Retirement 2070 Inv VSVNX CONSERVATIVE This portfolio seeks to minimize volatility through a majority allocation to fixed income securities. In addition, the portfolio seeks modest long-term capital appreciation through a minor allocation to equities. Because of the exposure to equities, the portfolio will experience some short-term principal volatility. This portfolio is appropriate for investors with time horizons of three to five years. TFO Wealth Partners 20/80 AGGRESSIVE This portfolio is suited for investors with longer time horizons who can withstand a high degree of principal volatility. Investors in this portfolio should have a time horizon of ten years or longer. TFO Wealth Partners 100% Equity MODERATELY AGGRESSIVE This portfolio is allocated primarily to equities with a secondary allocation to fixed income securities. Because of its high commitment to equities, the portfolio will experience a higher degree of volatility. As a result, it is appropriate for investors with time horizons of seven to ten years. TFO Wealth Partners 80/20 MODERATE This portfolio seeks to reduce volatility associated with equity investing through a substantial allocation to fixed-income securities. Because of the percentage invested in equities, the portfolio will experience moderate short- and mid- term principal volatility. As a result, it is appropriate for investors with time horizons of five to seven years. TFO Wealth Partners 60/40 MODERATELY CONSERVATIVE This portfolio seeks to reduce volatility through a majority allocation to fixed- income securities. In addition, the portfolio seeks a moderate long-term capital appreciation through a substantial secondary allocation to equities. Because of the percentage invested in equities, the portfolio will experience moderate short- and mid- term volatility. As a result, the portfolio is appropriate for investors with time horizons of five to seven years. TFO Wealth Partners 40/60 CONSERVATIVE This portfolio seeks to minimize volatility through a majority allocation to fixed income securities. In addition, the portfolio seeks modest long-term capital appreciation through a minor allocation to equities. Because of the exposure to equities, the portfolio will experience some short-term principal volatility. This portfolio is appropriate for investors with time horizons of three to five years. TFO Wealth Partners 20/80 DFA US Core Equity 2 66.5% DFA International Core 21.4% DFA Emerging Markets Core 7.1% Vanguard Real Estate Index 5.0% Vanguard Core Bond 0.0% Vanguard Total Bond Market Index 0.0% 100% Average Portfolio Expense Ratio* 0.21% 53.20% 17.15% 5.65% 4.00% 4.00% 16.00% 66.50% 21.40% 7.10% 5.00% 39.90% 12.85% 4.25% 3.00% 8.00% 32.00% 22.8% 11.4% 3.8% 2.0% 12.0% 48.0% 11.4% 5.7% 1.9% 1.0% 16.0% 64.0% DFA US Core Equity 2 53.2% DFA International Core 17.15% DFA Emerging Markets Core 5.65% Vanguard Real Estate Index 4.0% Vanguard Core Bond 16.0% Vanguard Total Bond Market Index 4.0% 100% Average Portfolio Expense Ratio* 0.19% DFA US Core Equity 2 39.9% DFA International Core 12.85% DFA Emerging Markets Core 4.25% Vanguard Real Estate Index 3.0% Vanguard Core Bond 32.0% Vanguard Total Bond Market Index 8.0% 100% Average Portfolio Expense Ratio* 0.16% DFA US Core Equity 2 26.6% DFA International Core 8.55% DFA Emerging Markets Core 2.85% Vanguard Real Estate Index 2.0% Vanguard Core Bond 48.0% Vanguard Total Bond Market Index 12.0% 100% Average Portfolio Expense Ratio* 0.14% DFA US Core Equity 2 13.3% DFA International Core 4.3% DFA Emerging Markets Core 1.4% Vanguard Real Estate Index 1.0% Vanguard Core Bond 64.0% Vanguard Total Bond Market Index 16.0% 100% Average Portfolio Expense Ratio* 0.11%