Age-Based Conservative Ages 17-18

Portfolio Overview

The Portfolio seeks growth of current income.

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

U.S. Equities	8%
International Equities	2%
Fixed Income	67%
Money Market	23%

Real AssetsInternational Equity
U.S. EquityFixed Income
Money Market

The Underlying Mutual Funds

Fund	Percent
Money Market
State Street U.S. Government Money Market Fund	23%
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	14%
Touchstone High Yield Fund	3%
Templeton International Bond Fund	3%

Fund	Percent
U.S. Equity
DFA U.S. Large Cap Value Portfolio	2%
Northern Funds Stock Index Fund	3%
T. Rowe Price Instl. Large-Cap Growth Fund	2%
Northern Funds Mid Cap Index Fund	1%
International Equity
Northern Funds International Equity Index Fund	1%
Neuberger Berman International Select Fund	1%

Portfolio Performance¹

at NAV

w/ sales charge

As of October 31, 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	-0.29	-0.67	0.10	n/a	n/a	1.57	1.02	9/28/16

Fee Structure B Performance

Underlying Mutual Fund Performance³

As of 6/30/2018

					Average Annual Total Returns (%)³
Money Market Fund	Expense Ratio	Ticker	QTR	YTD	1 Yr	3 Yrs	5 Yrs	10 Yrs or Life of Fund^†	Inception Date
State Street U.S. Government Money Market Fund* Fact Sheet, Prospectus, Annual Report	0.12	GVMXX	0.42	0.74	1.23	0.60	0.36	0.30	8/2/10
					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	0.78	2.14	2.14	2.08	1.86	2.14	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	-0.37	-2.08	-0.56	2.00	2.43	4.41	12/17/14
American Century Short-Duration Inflation-Protection Bond Fund Fact Sheet, Prospectus, Annual Report	0.37	APISX	0.48	1.21	1.21	1.04	0.58	2.18	9/26/13
Touchstone High Yield Fund Fact Sheet, Prospectus, Annual Report	0.72	THIYX	0.55	-0.57	1.79	3.25	4.03	6.58	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
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	6.76	12.06	29.10	18.03	19.39	14.00	11/30/-1
Northern Funds Mid Cap Index Fund Fact Sheet, Prospectus, Annual Report	0.15	NOMIX	4.23	3.42	13.35	10.71	12.50	10.54	8/2/10
					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	-1.64	-2.56	6.35	4.79	6.31	2.68	8/2/10
Neuberger Berman International Select Fund Fact Sheet, Prospectus, Annual Report	0.90	NILIX	-1.53	-1.61	8.82	5.68	6.96	3.27	8/2/10