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Putting it all Together













                                   Our goal is to design the most efficient menu through the



                                        assessment and implementation of the factors below:

















                                                                                                                                                            Institutional


                          Plan-Specific                                       Plan                                Behavioral                                    Money                                 Investment
                                                                                                                                                                                                           Policy
                        Demographics                                    Objectives                                 Research                               Management                                   Statement


                                                                                                                                                             Approach







































                                            For plan sponsor use only. Not for further distribution.                                                                                                                    69
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