Eight portfolios. One clear journey.
Every portfolio uses a Dual-Engine approach — a core of index ETFs paired with a momentum overlay — matched to your Retirement Ratio target and risk tolerance.
Engine 1 — The Foundation
Low-cost, diversified index exposure. 60–80% of the equity allocation.
Engine 2 — The Enhancer
Rules-based momentum overlay that tilts toward strength. 20–40% of equity allocation.
Growth Portfolios
Higher equity allocation, long time horizon.
Summit
100/0 Stock/Bond
Maximum growth. 100% equities with dual-engine momentum approach.
60% Index Core
40% Momentum
Ridge
80/20 Stock/Bond
Aggressive growth with a small fixed income buffer.
44% Index Core
36% Momentum
20% Fixed Income
Classic balance with a momentum edge.
Mountainside
70/30 Stock/Bond
Growth-oriented with meaningful downside protection.
42% Index Core
28% Momentum
30% Fixed Income
Hilltop
60/40 Stock/Bond
Balanced approach — classic 60/40 with a momentum edge.
36% Index Core
24% Momentum
40% Fixed Income
Balanced Portfolios
Income Portfolios
Fixed income anchored, equity enhancer.
Valley
50/50 Stock/Bond
Equal growth and income. Lower volatility, steady income.
30% Index Core
20% Momentum
50% Fixed Income
Meadow
40/60 Stock/Bond
Income-oriented with moderate growth exposure.
24% Index Core
16% Momentum
60% Fixed Income
Preservation Portfolios
Minimal equity, capital preservation focus.
Haven
30/70 Stock/Bond
Conservative income focus with limited equity exposure.
18% Index Core
12% Momentum
70% Fixed Income
Basecamp
0/100 Stock/Bond
100% fixed income via individual bond ladders.
100% Fixed Income
Staggered maturities for predictable cash flow
Reduced interest rate risk vs. bond funds
Built specifically for your timeline
*Individual portfolios will differ on overall allocation based on market changes, rebalancing, and individual portfolio needs. All portfolios are subject to market risk and there is no guarantee any portfolio will meet its stated investment objective.