In this approach, your portfolio is divided among a number of active and passive financial planning strategies. The responsibility for each strategy is assigned to a mutual fund investment manager or exchange traded fund (ETF) who has met our proprietary Best-in-Class selection criteria. We have access to background and performance data from a large collection of commission-free mutual funds on thousands of managers, and we use this data to select the best investment for you. In this process, we place particular emphasis on the achievement of superior risk-adjusted returns over significant periods of time.