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*Example of Low-Cost, Index-Tracking, Growth Portfolio

(75% Stock) Using Exchange-Traded Funds (ETFs)

Holdings Index Benchmark Weight Fund Fees Per Year
Vanguard US Total Stock Market (VTI) US Total Stock Market 13.7% 0.08%
Vanguard Value (VTV) US Large-Cap Value 13.7% 0.08%
Vanguard Mid-Cap Value (VOE) Mid-Cap Value 4.4% 0.08%
Vanguard Small-Cap Value (VBR) US Small Cap Value 3.8% 0.08%
Vanguard FTSE Developed Markets (VEA) Developed Markets (ex US) 31.9% 0.09%
Vanguard FTSE Emerging Markets (VWO) Emerging Markets  7.2% 0.15%
Vanguard US Total Bond Market (BND) US High-Quality Bonds 8.5% 0.06%
iShares iBoxx $ Investment Grade Corporate Bond (LQD) US Corporate Bonds 4.3% 0.15%
Vanguard Total International Bond (BNDX) International Bonds 8.7% 0.15%
Vanguard Emerging Markets GOV Bond (VWOB) Emerging Market Bonds 3.6% 0.34%
Totals   100% 0.10%