The ESG Portfolios use a screening algorithm to highlight certain desirable ESG characteristics while eliminating companies that have poor ESG characteristics. Companies with high greenhouse gas intensity per unit of sales are eliminated while companies investing heavily in clean energy are highlighted. Additionally, companies with high percentages of women appointed to the board of directors and high percentages of women in the workforce are highlighted as a major part of the investable universe

The ESG - Mid Cap - U.S. Portfolio uses a screening algorithm to highlight certain desirable ESG characteristics while eliminating companies that have poor ESG characteristics.

The ESG - Small Cap - U.S. Portfolio uses a screening algorithm to highlight certain desirable ESG characteristics while eliminating companies that have poor ESG characteristics.

The International Equity ESG ETF Strategy gives investors access to international developed and international emerging markets via a series of ETFs. The ETFs are relatively low cost compared to their respective markets. Additionally, the holdings are designed to eliminate holdings that would violate an ESG mandate.

The Taxable Equity Blend ETF Strategy was created to provide diversified passive exposure to global markets. The portfolio exclusively holds ETFs that have historically high liquidity, low turnover, and low expense ratios.

The Fixed Income National Municipal Bond with Inflation and Rate Hike Protection ETF Strategy invests in a diversified mix of fixed income investments designed with moderate fixed income risk exposure in mind. The portfolio contains municipal bonds from across the United States as well as inflation protected bonds and floating rate bonds. The portfolio is typically reconstituted annually while purchase only transactions are used throughout the year to purchase underweight target positions and keep cash as low as possible in the portfolio.

The Broad US Equity ETF Strategy was designed to give passive low-cost exposure to the broad US equity market.

The Broad US Mid Cap ETF Strategy was designed to give passive low-cost exposure to the US mid cap market.

The Broad US Real Estate ETF Strategy was designed to give passive low-cost exposure to the US real estate market.

The Broad US Small Cap ETF Strategy was designed to give passive low-cost exposure to the US mid cap market.