For the disciplined, long-term investor we offer four exceptionally-diversified, non-speculative portfolios with advisor fees among the lowest in the industry. Each Via Four portfolio is designed to achieve sustained superior performance with reduced investment risk. Individual portfolios are weighted according to risk level, and each is composed of the following asset classes: U. S. Large, Mid Cap, and Small Companies, International Large and Small Companies, Emerging Markets, U. S. and International Real Estate Investment Trusts, Cash, and U.S. Fixed Income (current allocations available upon request). Generally speaking, the longer your horizon the more aggressive you can afford to be. This means investing proportionately more in equities (companies), relatively less in fixed income.