We differentiate our investment advisory service by utilizing the Endowment Investment Philosophy®. This approach adds a third bucket of asset classes, which we refer to as "Risk Managed" or Liquid Alternatives to globally-diversified stock-bond portfolios to create a more robust asset allocated portfolio. The Endowment Investment Philosophy® has historically been pursued by major university endowments like Yale and Harvard. Our research indicates this approach offers potential to improve portfolio returns with lower overall portfolio volatility over 2-dimensional portfolios that would otherwise contain solely stocks and bonds. Risk managed or alternative asset classes may include hedge strategies, private equity and real assets, such as commodities, real estate, timber, and precious metals. We use liquid alternatives, in the form of ETFs, to represent these various asset classes within our 3-dimensional portfolios. The holdings within our 3-dimensional portfolios are derived from the underlying components of the Endowment Index®. Each of these ETFs represents an asset class often found in university endowments.