Bonds, alternatives and REITs have a way of creating taxable income. We have three proven ways to tax-defer it.

Transcription

1 Bonds, alternatives and REITs have a way of creating taxable income. We have three proven ways to tax-defer it.

2 Welcome to Monument Advisor. A tax-advantaged investing solution with nearly 400 investment options from more than 40 fund families. A flat-fee of just $20/month. 1 And no M&E charge. Monument Advisor delivers what RIAs and fee-based advisors long for: simple, proven tax deferral for assets such as bonds, alternatives, REITs or any other funds that generate ordinary income or short-term capital gains. Strategies to match your style, fill your needs and potentially grow your business. Strategy #1: Create your own portfolio of tax-inefficient funds Using our powerful technology platform and robust fund selection, create model portfolios for your clients. Manage clients in groups rather than individually. Integrate into your existing portfolio technology. Set up automatic fee withdrawals. 2 Strategy #2: Use a Third Party Investment Advisor If you have a TPIA you currently work with, our technology platform will make that a snap. It supports the need for multiple managers (from access to account management) and for automated fee withdrawal. Strategy #3: Choose a JNF Allocation Model or Tactically Managed Models from Envestnet PMC, CAPTRUST, Braver Capital and CMG 3 Jefferson National offers a variety of models from proven managers Envestnet PMC, CAPTRUST, Braver Capital, and CMG. Manage marketplace volatility by accessing any of these models for all or just a portion of your clients portfolios. Please visit Learn more about Monument Advisor: , Option 1. Or visit jeffnat.com. 1 Jefferson National s Monument Advisor has a $20 monthly flat insurance fee. Additional low-cost fund platform fees ranging from.05%.35% will be assessed for investors wishing to purchase shares of low-cost funds. See the prospectus for details. Certain low-cost funds may only be available to you if you retain certain investment advisors. 2 The IRS may charge a 10% tax penalty on any withdrawal made before age 59½. 3 An Investment Advisor must be advising your Contract in order to elect an Asset Allocation Model. In addition to the Asset Allocation Model fee, and the fees of the Investment Portfolios with the selected Models, your Investment Advisor may charge an advisory fee. You must remain invested in the Models for at least 30 days. Model Fees range from.45% 1.50% annually. All investment options available involve risks. Assets are subject to ordinary income tax upon withdrawal. Go to jeffnat.com to review the risk associated with each option. Or, request a prospectus which contains this and other important information. Variable Annuities involve risk, including possible loss of principal. Consider the investment objectives, risks and charges and expenses of the underlying investment portfolios carefully before investing. Prospectuses contain this, and additional informationabout the investment portfolios. Please read all prospectuses carefully before investing. Variable annuities are suitable for long term investing, particularly for retirement. Monument Advisor is issued by Jefferson National Life Insurance Company (Dallas, TX) and distributed by Jefferson National Securities Corporation, FINRA member. Policy series JNL , JNL , JNL JNL C018

3 FIXED INCOME TAX-INEFFICIENT ASSET CLASS Eaton Vance Floating-Rate Income Bank Loan Guggenheim Floating Rate Bank Loan PIMCO Emerging Markets Bond Emerging Markets Bond Rydex Strength Dollar 2x Strategy Foreign Bond Templeton Global Bond Securities Foreign Bond Access High Yield American Funds High-Income Bond BlackRock High Yield Direxion Dynamic HY Bond Federated High Income Bond II Fidelity High Income Franklin High Income Guggenheim High Yield Invesco High Yield Ivy Funds High Income PIMCO High Yield Pioneer High Yield Power Income Putnam High Yield Vanguard Western Asset Variable Global American Century Inflation Protection Inflation-Protected Bond PIMCO Real Return Inflation-Protected Bond Franklin U.S. Government Intermediate Government Invesco Government Securities Intermediate Government Putnam American Government Income Intermediate Government American Funds Bond Fidelity Investment Grade Bond Guggenheim U.S. Total Return Bond Ivy Funds Bond Janus Aspen Flexible Bond Nationwide Bond Index Oppenheimer Core Bond PIMCO Total Return Pioneer Bond Fund Putnam Income Vanguard Total Bond Market Index Western Asset Variable Strategic Bond Intermediate-Term Bond BlackRock U.S. Government Bond Long Government (>6) PIMCO Long-Term U.S. Government Long Government (>6) ProFunds U.S. Government Plus Long Government (>6) Rydex Gov t Long Bond 1.2X Strategy Long Government (>6) BlackRock Total Return Long-Term Bond American Funds Mortgage Mortgage-Backed Fidelity Strategic Income Franklin Strategic Income Lord Abbett Bond Debenture PIMCO Unconstrained Bond Pioneer Strategic Income Putnam Diversified Income Guggenheim Macro Opportunities Non-Traditional Bond Legg Mason BW Absolute Return Opportunities Non-Traditional Bond Oppenheimer Global Strategic Income Non-Traditional Bond Ivy Funds Limited-Term Bond Neuberger Berman Short Duration Bond FIXED INCOME CONTINUED TAX-INEFFICIENT ASSET CLASS PIMCO Low Duration T. Rowe Price Limited-Term Bond Vanguard Short-Term Investment Grade DFA Short-Term Fixed PIMCO Short-Term American Funds Global Bond Ivy Funds Global Bond PIMCO Foreign Bond Unhedged PIMCO Foreign Bond (US Dollar Hedged) PIMCO Global Advantage Strategy Bond PIMCO Global Bond Unhedged Van Eck Unconstrained Emerging Markets Bond Ultra Short Bond Ultra Short Bond REAL ESTATE TAX-INEFFICIENT ASSET CLASS Fidelity Real Estate ProFunds Real Estate Rydex Real Estate Vanguard REIT Index Virtus Real Estate Securities Franklin Global Real Estate Invesco Global Real Estate Global Real Estate Global Real Estate ALTERNATIVES/NON-TRADITIONAL STRATEGIES TAX-INEFFICIENT ASSET CLASS Credit Suisse Commodity Ret Strat PIMCO CommodityRealReturn Strategy Rydex Commodities Strategy Fidelity Real Estate ProFunds Real Estate Rydex Real Estate Vanguard REIT Index Virtus Real Estate Securities Rydex 1.25X Strategy Rydex Strength Dollar 2x Strategy ProFunds UltraNASDAQ-100 Rydex NASDAQ-100 2x Strategy Rydex Dow 2X Strategy Franklin Global Real Estate Invesco Global Real Estate Rydex Japan 2x Strategy Probabilities Fund Rydex S&P 500 2X Strategy Commodities Broad Basket Commodities Broad Basket Commodities Broad Basket Foreign Bond Global Real Estate Global Real Estate Japan Stock Japan ProFunds U.S. Government Plus Long Government (>6) Rydex Gov t Long Bond 1.2X Strategy Long Government (>6) The Merger Fund VL Direxion Indexed Managed Futures Strategy Guggenheim Global Managed Futures Strategy Mariner Managed Futures Strategy Ivy Funds Global Natural Resources ProFunds Basic Rydex Basic Van Eck Global Hard Assets ProFunds UltraMid-Cap Rydex Mid Cap 1.5X Strategy Goldman Sachs Multi-Strategy Alternatives Long/Short Equity Managed Futures Managed Futures Managed Futures Multialternative

4 ALTERNATIVES/NON-TRADITIONAL STRATEGIES CONTINUED TAX-INEFFICIENT ASSET CLASS Guggenheim Multi-Hedge Strategies Oppenheimer Diversified Alternatives Van Eck Multi-Manager Alternatives Virtus Multi-Sector Fixed Income ProFunds Rydex ProFunds UltraBull Rydex Nova ProFunds UltraSmall-Cap Rydex Russell X Strategy Rydex Russell X Strategy ALPS/Alerian Energy Infrastructure Tortoise MLP & Pipeline Fund Gold Bullion Strategy Van Eck Global Gold Fund ProFunds Rising Rates Opportunity Rydex Inverse Gov Long Bond Strategy ProFunds Bear ProFunds Short Emerging Markets ProFunds Short International ProFunds Short Mid-Cap ProFunds Short NASDAQ-100 ProFunds Short Small-Cap ProFunds UltraShort NASDAQ-100 Rydex Inverse Dow 2X Strategy Rydex Inverse Mid-Cap Strategy Rydex Inverse NASDAQ-100 Strategy Rydex Inverse Russell 2000 Strategy Rydex Inverse S&P 500 Strategy ProFunds Falling US Dollar Rydex Weakening Dollar 2X Strategy Multialternative Multialternative Multialternative LEVERAGED TAX-INEFFICIENT ASSET CLASS Rydex 1.25X Strategy Rydex Strength Dollar 2X Strategy Rydex S&P 500 2X Strategy ProFunds UltraNASDAQ-100 Rydex NASDAQ-100 2x Strategy Rydex Dow 2X Strategy Rydex Japan 2x Strategy Specialty Energy Specialty Energy Specialty Gold Specialty Gold Trading Inverse Debt Trading Inverse Debt Trading Miscellaneous Trading Miscellaneous Foreign Bond Giant Core Japan Stock Japan ProFunds U.S. Government Plus Long Government (>6) Rydex Gov t Long Bond 1.2X Strategy Long Government (>6) ProFunds UltraMid-Cap Rydex Mid Cap 1.5X Strategy ProFunds UltraBull Rydex Nova ProFunds UltraSmall-Cap Rydex Russell X Strategy Rydex Russell X Strategy MANAGED VOLATILITY/MANAGED RISK FUNDS American Funds Managed Risk Asset Allocation TOPS Managed Risk Growth ETF (Class 1) MANAGED VOLATILITY/MANAGED RISK FUNDS CONTINUED TOPS Managed Risk Growth ETF (Class 2) Federated Managed Volatility II Putnam Absolute Return 500 SEI Conservative Strategy SEI Defensive Strategy TOPS Managed Risk Balanced ETF (Class 1) TOPS Managed Risk Balanced ETF (Class 2) Fidelity Target Volatility Legg Mason Dynamic Multi-Strategy American Funds Managed Risk International Guggenheim World Equity Income Fund AllianceBernstein VPS Dynamic Asset Allocation Innealta Capital Country Rotation Invesco Balanced - Risk Allocation Lazard Retirement Series Multi-Asset Targeted Volatility American Funds Managed Risk Blue Chip Income and Growth American Funds Managed Risk Growth Virtus Premium AlphaSector Federated Managed Tail Risk II Innealta Capital Sector Rotation JNF SSgA Retirement Income Portfolio (Class 1) (Class 2) Goldman Sachs Global Markets Navigator PIMCO Global Diversified Allocation American Funds Managed Risk Growth-Income Foreign Large Blend Foreign Large Blend Growth World Allocation World Allocation World Stock TRADING/INVERSE/EQUITY/DEBT/DOLLAR TAX-INEFFICIENT ASSET CLASS ProFunds Rising Rates Opportunity Rydex Inverse Govt Long Bond Strategy ProFunds Bear ProFunds Short Emerging Markets ProFunds Short International ProFunds Short Mid-Cap ProFunds Short NASDAQ-100 ProFunds Short Small-Cap ProFunds UltraShort NASDAQ-100 Rydex Inverse Dow 2X Strategy Rydex Inverse Mid-Cap Strategy Rydex Inverse NASDAQ-100 Strategy Rydex Inverse Russell 2000 Strategy Rydex Inverse S&P 500 Strategy ProFunds Falling US Dollar Rydex Weakening Dollar 2X Strategy SECTOR ProFunds Telecommunications Rydex Telecommunications ProFunds Consumer Services Rydex Leisure Rydex Retailing ProFunds Consumer Goods Trading Inverse Debt Trading Inverse Debt Trading Miscellaneous Trading Miscellaneous Communications Communications Consumer Cyclical Consumer Cyclical Consumer Cyclical Consumer Defensive

5 SECTOR CONTINUED Rydex Consumer Products Consumer Defensive ProFunds Oil and Gas Domestic Energy ProFunds Banks ProFunds Financials Rydex Banking Rydex Financial Services Invesco Global ProFunds Biotechnology ProFunds ProFunds Pharmaceuticals Rydex Biotechnology Rydex T. Rowe Price Health Sciences ProFunds Industrials Industrials Rydex Transportation Industrials Ivy Funds Global Natural Resources ProFunds Basic Rydex Basic Van Eck Global Hard Assets Rydex Energy Services Natural Res Domestic Energy ProFunds Rydex ALPS/Alerian Energy Infrastructure Specialty Energy Gold Bullion Fund Specialty Gold Van Eck Global Gold Specialty Gold Columbia - Seligman Global Invesco Ivy Funds Science and Janus Aspen Global ProFunds Internet ProFunds Semiconductor ProFunds Rydex Electronics Rydex Internet Rydex ProFunds Utilities Utilities Rydex Utilities Utilities BENCHMARKED TO INDEX ProFunds Telecommunications Communications ProFunds Consumer Services Consumer Cyclical ProFunds Consumer Goods Consumer Defensive ProFunds Emerging Markets ProFunds Oil and Gas Domestic Energy ProFunds Banks ProFunds Financials ProFunds Real Estate Vanguard REIT Index ProFunds 30 Rydex 1.25X Strategy Nationwide International Index Foreign Large Blend ProFunds International Foreign Large Blend ProFunds NASDAQ-100 ProFunds UltraNASDAQ-100 Rydex NASDAQ 100 2x Strategy BENCHMARKED TO INDEX CONTINUED Rydex NASDAQ 100 Strategy ProFunds Large-Cap Value Rydex Dow 2X Strategy ProFunds Biotechnology ProFunds ProFunds Pharmaceuticals ProFunds Industrials Nationwide Bond Index Vanguard Total Bond Market Index ProFunds Japan Rydex Japan 2x Strategy ProFunds Large-Cap Growth ProFunds Large-Cap Value Rydex S&P 500 Pure Growth Rydex S&P 500 2X Strategy Vanguard Total Stock Market Index ProFunds Basic Rydex S&P SmallCap 600 Pure Value Nationwide Mid Cap Index ProFunds Mid-Cap ProFunds UltraMid-Cap Rydex Mid Cap 1.5X Strategy ProFunds Mid-Cap Growth Rydex S&P 500 Pure Value Vanguard Mid-Cap Index ProFunds Asia 30 ProFunds Dreyfus Stock Index Nationwide S&P 500 Index ProFunds Bull ProFunds UltraBull Rydex Nova Vanguard Equity Index Dreyfus Small Cap Stock Index Nationwide Small Cap Index ProFunds Small Cap Rydex Russell X Strategy Rydex Russell X Strategy ProFunds Small-Cap Growth Rydex S&P SmallCap 600 Pure Growth ProFunds Small-Cap Value Rydex S&P MidCap 400 Pure Value ALPS/Alerian Energy Infrastructure ProFunds Internet ProFunds Semiconductor ProFunds ProFunds Utilities Industrials Japan Japan Growth Micro Cap Growth Mid Relative Value Pacific/Asia ex Japan Growth Growth Value Small Deep Value Specialty Energy Utilities

6 ULTRA LOW COST ALLOCATION Nationwide International Index Foreign Large Blend Guggenheim CLS AdvisorOne Select Allocation DFA International Value DFA International Small Vanguard Equity Income Vanguard Nationwide Bond Index Vanguard Total Bond Market Index DFA US Large Value Vanguard Diversified Value Vanguard Growth Vanguard Total Stock Market Index Vanguard Capital Growth Nationwide Mid Cap Index Vanguard Mid-Cap Index DFA Global Vanguard Balanced Dreyfus Stock Index Nationwide S&P 500 Index Vanguard Equity Index DFA Short-Term Fixed Vanguard Short-Term Investment Grade Nationwide Small Cap Index DFA US Targeted Value Foreign Large Value Foreign Small/Mid Blend Mid Relative Value Small Deep Value Ibbotson Agr Growth ETF Allocation Ibbotson Growth ETF Allocation SEI Market Plus Strategy TOPS Growth ETF (Class 1) TOPS Managed Risk Growth ETF (Class 1) TOPS Managed Risk Growth ETF (Class 2) Federated Managed Volatility II Franklin Income Guggenheim CLS AdvisorOne Clermont Ibbotson Conservat. ETF Allocation Ibbotson Incm&Grth ETF Allocation Putnam Absolute Return 500 SEI Defensive Strategy Timothy Plan Conservative Growth TOPS Balanced ETF (Class 1) TOPS Managed Risk Balanced ETF (Class 1) TOPS Managed Risk Balanced ETF (Class 2) Fidelity Target Volatility Legg Mason Dynamic Multi-Strategy SEI Balanced Strategy SEI Market Growth Strategy AllianceBernstein VPS Dynamic Asset Allocation BlackRock DFA Global Bond Innealta Capital Country Rotation Invesco Balanced Risk Allocation ETF FUNDS Guggenheim CLS AdvisorOne Select Ibbotson Agr Growth ETF Allocation Ibbotson Growth ETF Allocation TOPS Growth ETF (Class 1) TOPS Managed Risk Growth ETF (Class 1) TOPS Managed Risk Growth ETF (Class 2) Guggenheim CLS AdvisorOne Clermont Ibbotson Conservat. ETF Allocation Ibbotson Incm&Grth ETF Allocation TOPS Balanced ETF (Class 1) TOPS Conservative ETF (Class 1) TOPS Conservative ETF (Class 2) Ivy Funds Asset Strategy Lazard Retirement Global Dynamic Multi Asset PIMCO Global Diversified Allocation Portfolio Goldman Sachs Global Markets Navigator PIMCO All Asset All Authority PIMCO Global Multi-Asset Managed Allocation 7Twelve Balanced Portfolio American Century Balanced American Funds Asset Allocation American Funds Managed Risk Asset Allocation Calvert SRI Balanced Changing Parameters Portfolio DFA Global Federated Managed Tail Risk II Fidelity Balanced Global Global Global TOPS Managed Risk Balanced ETF (Class 1) Ibbotson Balanced ETF Allocation TOPS Managed Risk Balanced ETF (Class 2) Innealta Capital Sector Rotation Innealta Capital Country Rotation Guggenheim CLS AdvisorOne Amerigo TOPS Aggressive Growth ETF (Class 1) Virtus Premium AlphaSector Ibbotson Balanced ETF Allocation Innealta Capital Sector Rotation (Class 1) (Class 2) TOPS Moderate Growth ETF (Class 1) Invesco Equity and Income Ivy Funds Balanced Janus Aspen Balanced JNF Chicago Equity Partners Balanced JNF SSgA Retirement Income Portfolio SEI Moderate Strategy (Class 1) (Class 2) TOPS Moderate Growth ETF (Class 1) Vanguard Balanced

7 US EQUITY American Funds Blue Chip Income & Growth American Funds Managed Risk Blue Chip Income & Growth ClearBridge Var Large Cap Growth ProFunds NASDAQ-100 ProFunds UltraNASDAQ-100 Rydex NASDAQ-100 2x Strategy Rydex NASDAQ-100 Strategy American Century Large Company Value Eaton Vance Large-Cap Value Invesco Comstock Pioneer Disciplined Value Rydex Dow 2X Strategy Vanguard Equity Income American Funds Growth-Income Dreyfus Socially Responsible Growth Fidelity Growth & Income Guggenheim CLS AdvisorOne Amerigo Invesco Core Equity Lord Abbett Classic Stock Oppenheimer Main Street Probabilities Fund TOPS Aggressive Growth ETF (Class 1) Vice Fund Alger Large Cap Growth American Funds Growth Guggenheim Large Cap Concentrated Growth Janus Aspen Janus Fund ProFunds Large-Cap Growth AllianceBern. Growth and Income ClearBridge Var Equity Income Builder Fidelity Value Franklin Mutual Shares Invesco Growth and Income American Century Income & Growth American Century Value BlackRock Equity Dividend BlackRock Large Cap Value Columbia - Select Large-Cap Value DFA US Large Value Fidelity Equity-Income Invesco Value Opportunities Invesco Diversified Dividend Ivy Funds Value Pioneer Equity Income ProFunds Large-Cap Value Putnam Equity Income Giant Core Giant Core Growth Growth Growth Growth Growth Value Value Value Value Value T. Rowe Price Equity Income Vanguard Diversified Value American Funds Managed Risk Growth Large Growth American Century Ultra BlackRock Capital Appreciation Fidelity Growth Fidelity Growth Opportunities Janus Aspen Forty Rydex S&P 500 Pure Growth US EQUITY CONTINUED T. Rowe Price Blue Chip Growth Vanguard Growth BlackRock Large Cap Core ClearBridge All Cap Value Lazard Retirement US Strategic Equity Lord Abbett Calibrated Dividend Growth Lord Abbett Growth and Income Neuberger Berman Large Cap Value Pioneer Fund Rydex S&P 500 2X Strategy Vanguard Total Stock Market Index Virtus Premium AlphaSector Alger Capital Appreciation BlackRock Large Cap Growth ClearBridge Var Aggressive Growth Fidelity Contrafund Guggenheim Long Short Equity Neuberger Berman Soc. Responsive Putnam Voyager Vanguard Capital Growth Royce Micro-Cap Micro Cap Rydex S&P SmallCap 600 Pure Value Micro Cap Alger Mid Cap Growth Mid-Cap Growth Federated Kaufmann II Mid-Cap Growth Invesco Mid Cap Core Equity Nationwide Mid Cap Index ProFunds Mid-Cap ProFunds UltraMid-Cap Rydex Mid Cap 1.5X Strategy Guggenheim Mid Cap Growth Growth Ivy Funds Mid Cap Growth Growth Janus Aspen Enterprise Growth ProFunds Mid-Cap Growth Growth Rydex S&P MidCap 400 Pure Growth Growth Wells Fargo Adv Discovery Growth Janus Aspen Perkins Mid Cap Value Value Neuberger Berman Mid Cap Intrinsic Value Value American Century Mid Cap Value Pioneer Mid Cap Value ProFunds Mid-Cap Value Rydex S&P 500 Pure Value Neuberger Berman Mid-Cap Growth Mid High Growth JNF Chicago Equity Partners Equity Mid Relative Value Vanguard Mid-Cap Index Mid Relative Value Fidelity Mid Cap Mid Valuation Sensitive Growth Wells Fargo Adv Opportunity Mid Valuation Sensitive Growth Dreyfus Stock Index Nationwide S&P 500 Index ProFunds Bull ProFunds UltraBull Rydex Nova Vanguard Equity Index Dreyfus Small Cap Stock Index Lazard Retirement US Small-Mid Cap Equity Nationwide Small Cap Index ProFunds Small Cap

8 US EQUITY CONTINUED SOCIALLY/MORALLY RESPONSIBLE ProFunds UltraSmall-Cap Rydex Russell X Strategy Timothy Plan Strategic Growth Rydex Russell X Strategy Timothy Plan Conservative Growth ProFunds Small-Cap Growth Growth Dreyfus Socially Responsible Growth Rydex S&P SmallCap 600 Pure Growth Growth Neuberger Berman Soc. Responsive Vanguard Small Company Growth Growth ProFunds Small-Cap Value DFA US Targeted Value Rydex S&P MidCap 400 Pure Value ClearBridge Small Cap Growth Neuberger Berman Small-Cap Growth Value Small Deep Value Small Deep Value Small High Growth Small High Growth MONEY MARKET ProFunds Money Market Invesco Money Market Money Market Tax-Free Money Market Taxable Columbia Select Smaller-Cap Value Fidelity Disciplined Small Cap Guggenheim Small Cap Value Royce Small-Cap Wells Fargo Adv Small Cap Value AllianceBern. Small/Mid Cap Value SMID Value INTERNATIONAL EQUITY Lazard Retirement Emerg. Mkts Equity Pioneer Emerging Markets ProFunds Emerging Markets Van Eck Emerging Markets ProFunds 30 Rydex 1.25X Strategy American Funds International American Funds Managed Risk International Virtus International Fidelity Overseas Guggenheim World Equity Income Janus Aspen Overseas Lazard Retirement Int l Equity Nationwide International Index ProFunds International Vanguard International AllianceBern. International Growth American Century International Fidelity Intl Capital Appreciation Invesco International Growth Oppenheimer International Growth AllianceBern. International Value DFA International Value Dreyfus International Value Lord Abbett International Opportunities DFA International Small First Eagle Overseas Var Fund ProFunds Japan Rydex Japan 2x Strategy American Funds Managed Risk Growth Income ProFunds Asia 30 Janus Aspen Global/Research Oppenheimer Global AllianceBern. Global Thematic Growth Third Avenue Value Foreign Giant Foreign Giant Foreign Giant Foreign Foreign Foreign Foreign Foreign Foreign Foreign Foreign Large Value Foreign Large Value Foreign Large Value Foreign Small/ Foreign Small/Mid Value Foreign Small/Mid Value Japan Japan Pacific/Asia ex-japan World World World Large Growth World Large Value LEGEND Fixed Income Real Estate, Alternatives, Leveraged Trading Inverse Equity Debt Dollar Protected/ Managed Volatility/Managed Risk Funds Sector Index Funds, Ultra Low Cost, ETF Funds Allocation, Target Funds US Equity, International Equity Socially/Morally Responsible Money Market