Prospectus

Below is a list of investments that may be used in creating your asset allocation. They are all Exchange Traded Funds (ETFs) which represent varying asset classes that may make up your portfolio.

To get detailed information about any of the investments below go to the hyperlink by clicking your mouse on the below underlined symbols.

This will take you to a browser internet link of the prospectus for the represented investments. The prospectus is a document that details the risks, costs, investment strategies, and other financial information about the investment. This is an important document to read and understand before investing.

If you have difficulty viewing any of these prospectuses or would like more information about these investments and their individual significance for the entire portfolio, please don’t hesitate to contact us.

Total Stock Market US – VTI

Large Cap – VOO

Large Cap Value- IWD

Large Cap Growth – IWF

Large Cap Equal Weight – RSP

Large Cap Dividend Appreciation – VIG

Large Cap Low Volatility – USMV

Nasdaq Composite – QQQ

FTSE Social Index Fund – VFTAX

US Information Technology – VGT

US Growth – VUG

FTSE Social Index ETF – ESGV

US Stock High Dividend Yield – VYM

Schwab US Dividend Equity – SCHD

Mid Cap Value – IWS

Mid Cap US – VO

Mid Cap US – MDY

Dow Dividend Select – DVY

Small Cap US – IJR

Small Cap US – VIOO

Small Cap – VB

Small Cap Value – VBR

Small Cap Value – IWN

EAFE – EFA

EAFE Low Volatility – EFAV

International Large Cap (Ex US) – VEU

International Developed Markets – VEA

International Small Cap (X-US) – VSS

Grayscale Bitcoin Trust – GBTC

Emerging Markets – EEM

Emerging Markets – VWO

International Small Cap – SCZ

California Muni Bond – CMF

Treasury Inflation – TIP

Treasury 1-3 year – SHY

Short-term Bond – BSV

Short-term Corporate Bond – VCSH

Vanguard Intermediate Term Treasury – BND

Corporate High Quality Bonds – LQD

Intermediate Term Corporate Bond – VCIT

Tax-Exempt Bond – VTEB

Intermediate Tax-Exempt Bond Fund – VWIUX

Municipal Tax Free Bonds – MUB

International Bonds – BNDX

International Bonds (US Dollar Hedged) – EMB

iShares 0-3 Month Treasury Bonds – SGOV

State Street S&P 500 – SPY

iShares S&P North American Natural Resources – IGE

REIT Index – VNQ

REIT Index International – RWX

Consumer Staples – XLP

Utilities Sector – XLU

Energy Sector – XLE

Bitcoin ETF – IBIT

International High Div Yield –VYMI

Schwab International Dividend – SCHY