Will my investments only include individual stocks?

Mostly yes, but there are a few exceptions.

Let us explain…

Our U.S. Large Cap Aggressive Growth, U.S. Small and Mid-Cap, U.S. Large Cap Core, and U.S. Large Cap Dividend, invest exclusively—to the extent possible—in individual stocks. Some of our strategies include ETFs, which are utilized inside of the following strategies:

Fixed Income, using a laddered corporate bond strategy
International, to give you exposure to certain geographic regions
Hedged Equity, to access idiosyncratic risk/return exposures and maintain a higher resilience to diverse market conditions

Additionally, our index-based portfolios use ETFs to ensure broad exposure to multiple asset classes, which provide diversification within each strategy and for your overall portfolio.