How it Works 

1. Blending various percentages of no-load mutual funds from one (or more) no-load fund providers, Advisor develops four (or more) model portfolios. 
[Hypothetical Examples of Four Custom Portolios]:

[Your Custom Portfolio: Growth] 

T Rowe Price Growth = 35% 
Vanguard Growth = 65%  

[Your Custom Portfolio: Balanced]

Fidelity Balanced = 40% 
Vanguard Balanced = 45%
Oppenheimer Balanced = 15% 

[Your Custom Portfolio: Bond]

Pimco = 25% 
Vanguard Stable = 25%
Vanguard Index Bond = 50% 

[Your Custom Portfolio: World]

MFS World = 10% 
Vanguard Overseas =65%
Fidelity World = 25%

2. Plan Participant select one of the four custom portfolios developed by Advisor 

3. The standard Participant Investment Selection feature of 401(k) Easy Online is suppressed, so that Participants cannot make investment changes or see the actual names of the mutual funds the Advisor is using to construct the custom portfolios.


4. The Advisor's assistant manually sets up investments on behalf of the Participant in correlation with Advisor's custom portfolio guidelines, and each Participant's  portfolio selection. Advisor's assistant manually updates investment selections as needed, to conform to changes in portfolio percentages and/or no-load fund selections.


5. Participant's online statement reports the custom portfolio name created by the Advisor, and lists the true market value of the Participant's holdings.