Age-Based Conservative Ages 13-14

Portfolio Overview

The Portfolio seeks growth of current income and low to moderate growth of capital.

The Portfolio invests in a targeted mix of stock and bond mutual funds that represent various asset classes and sectors.

U.S. Equities	19%
International Equities	9%
Real Assets Equities	2%
Fixed Income	70%

Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund	Percent
Fixed Income
PIMCO Short-Term Fund	22%
Northern Funds Bond Index Fund	13%
MainStay Total Return Bond Fund	12%
American Century Short Duration Inflation Protection Bond Fund	13%
Touchstone High Yield Fund	5%
Templeton International Bond Fund	5%
Real Assets
Voya Global Real Estate Fund	1%
Credit Suisse Commodity Return Strategy Fund	1%

Fund	Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio	4%
Northern Funds Stock Index Fund	7%
T. Rowe Price Instl. Large-Cap Growth Fund	4%
Northern Funds Mid Cap Index Fund	2%
Northern Funds Small Cap Value Fund	1%
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund	1%
International Equity
Northern Funds International Equity Index Fund	4%
Neuberger Berman International Select Fund	4%
Lazard Emerging Markets Equity Portfolio	1%

Portfolio Performance¹

at NAV

w/ sales charge

As of June 29, 2018

			Average Annual Total Returns at NAV (%)¹
Fee Structure	YTD	3 Mo	1 Yr	3 Yrs	5 Yrs	Lifetime	Exp. Ratio²	Inception Date
A	-0.09	0.37	3.54	n/a	n/a	4.61	1.14	9/28/16
C	-0.19	0.37	3.36	n/a	n/a	4.38	1.39	9/28/16
F	0.09	0.46	3.82	n/a	n/a	4.88	0.89	9/28/16

Fee Structure B Performance

Underlying Mutual Fund Performance³

As of 03/31/18

					Average Annual Total Returns (%)³
Fixed Income Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
PIMCO Short-Term Fund Fact Sheet, Prospectus, Annual Report	0.47	PTSHX	0.26	2.11	2.11	2.01	1.61	2.16	8/2/10
Northern Funds Bond Index Fund Fact Sheet, Prospectus, Annual Report	0.16	NOBOX	-1.52	-1.52	1.13	1.05	1.67	3.37	8/2/10
MainStay Total Return Bond Fund Fact Sheet, Prospectus, Annual Report	0.60	MTMIX	-1.71	-1.71	1.65	1.53	1.94	4.33	12/17/14
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.37	APISX	0.20	0.05	0.05	0.98	-0.18	2.08	9/26/13
Touchstone High Yield Fund Fact Sheet, Prospectus, Annual Report	0.72	THIYX	-1.11	-1.11	3.53	3.16	3.51	6.78	10/10/12
Templeton International Bond Fund Fact Sheet, Prospectus, Annual Report	0.76	FIBZX	n/a	1.33	-0.78	1.94	0.37	4.30	10/10/12
					Average Annual Total Returns (%)³
Real Estate Fund	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Voya Global Real Estate 529 Portfolio Fact Sheet, Prospectus, Annual Report	0.99	IGLIX	n/a	n/a	10.43	n/a	5.24	3.35	10/10/12
					Average Annual Total Returns (%)³
Domestic Equity Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
DFA U.S. Large Cap Value Portfolio Fact Sheet, Prospectus, Annual Report	0.27	DFLVX	n/a	12.21	12.21	10.13	12.65	9.34	11/30/12
Northern Funds Stock Index Fund Fact Sheet, Prospectus, Annual Report	0.10	NOSIX	-0.79	-0.79	13.87	10.68	13.19	9.33	8/2/10
T. Rowe Price Large-Cap Growth Fund Fact Sheet, Prospectus, Annual Report	0.56	TRLGX	4.96	n/a	30.67	15.79	18.87	13.49	8/2/10
Northern Funds Mid Cap Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOMIX	-0.78	-0.78	10.80	8.80	11.80	10.66	8/2/10
Northern Funds Small Cap Value Fund Fact Sheet, Prospectus, Annual Report	1.01	NOSGX	-2.95	-2.95	3.76	7.18	10.38	9.33	8/2/10
T. Rowe Price QM U.S. Small-Cap Growth Equity Fund Fact Sheet, Prospectus, Annual Report	0.66	TQAIX	2.06	n/a	16.94	9.75	14.17	13.00	9/28/16
					Average Annual Total Returns (%)³
International Equity Funds	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Northern Funds International Equity Index Fund Fact Sheet, Prospectus, Annual Report	0.25	NOINX	-0.93	-0.93	15.06	5.67	6.44	2.60	8/2/10
Neuberger Berman International Select Fund Fact Sheet, Prospectus, Annual Report	0.90	NILIX	-0.08	-0.08	18.32	6.22	6.86	3.66	8/2/10
Lazard Emerging Markets Equity Portfolio Fact Sheet, Prospectus, Annual Report	1.10	LZEMX	2.05	2.05	18.33	8.62	3.86	3.47	8/2/10
					Average Annual Total Returns (%)³
Commodities Fund	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
Credit Suisse Commodity Return Strategy Fund Fact Sheet, Prospectus, Annual Report	0.80	CRSOX	-0.60	-0.60	2.96	-3.18	-8.30	-7.54	10/10/12