Strategy. Principal Investment Strategies. The Conservative Wealth Builder Fund is designed to assist investors general savings goals. Because the time horizon for such expenses can vary, Conservative Wealth Builder Fund pursues an asset allocation strategy that is designed to balance growth and downside market protection through different market environments. The Conservative Wealth Builder Fund invests in a portfolio of fixed income securities, equity securities, commodities and cash and cash equivalents. The Conservative Wealth Builder Fund will gain exposure to such equity securities, fixed income securities and commodities indirectly by investing in both actively and passively managed mutual funds and exchange-traded funds (collectively, the underlying funds). Equity securities include common stock, preferred stock, or securities convertible into common stock and may be … Show more… Principal Investment Strategies. The Conservative Wealth Builder Fund is designed to assist investors general savings goals. Because the time horizon for such expenses can vary, Conservative Wealth Builder Fund pursues an asset allocation strategy that is designed to balance growth and downside market protection through different market environments. The Conservative Wealth Builder Fund invests in a portfolio of fixed income securities, equity securities, commodities and cash and cash equivalents. The Conservative Wealth Builder Fund will gain exposure to such equity securities, fixed income securities and commodities indirectly by investing in both actively and passively managed mutual funds and exchange-traded funds (collectively, the underlying funds). Equity securities include common stock, preferred stock, or securities convertible into common stock and may be of issuers of any capitalization. Fixed income securities include debt securities of varying maturities, debt securities paying a fixed or fluctuating rate of interest, and fixed income or debt securities of any kind, including, by way of example, securities issued or guaranteed by the U.S. Government or its agencies or instrumentalities, by municipalities, by foreign governments or international agencies or supranational entities, or by domestic or foreign private issuers, including corporate loans, debt securities convertible into equity securities and inflation-indexed bonds. In addition to underlying funds, the Conservative Wealth Builder Fund may only invest directly in U.S. large and mid-cap equity securities, U.S. investment grade corporate and municipal bonds, U.S. Treasuries and Treasury inflation-protected securities (TIPS). When selecting underlying funds for investment by the Conservative Wealth Builder Fund, the Adviser will consider a variety of factors including, but not limited to, performance, costs and whether an underlying fund discloses that it pursues environmental, social or governance (ESG) objectives or strategies in its prospectus. Under normal market conditions, the Conservative Wealth Builder Fund will invest its assets within the following ranges: 70-95% of its assets in fixed income and cash and cash equivalents, 0-25% of its assets in equities, and 0-35% of its assets in a combination of underlying funds providing exposure to commodities and high yield debt securities. The Adviser will allocate the Conservative Wealth Builder Funds assets among fixed income securities (including domestic, international and emerging markets, U.S. inflation-protected debt, and U.S. long-term treasuries) and equity securities (including domestic, international, and emerging markets equities) to manage the Funds risk across asset classes over time. The Conservative Wealth Builder Fund seeks to emphasize exposure to fixed income, in order to avoid excessive volatility of returns. The Adviser may also invest indirectly through underlying funds up to 30% of the Conservative Wealth Builder Funds assets in foreign securities and up to 10% of the Funds assets in emerging market securities. The Conservative Wealth Builder Fund is managed in a tax sensitive manner and the Adviser will attempt to minimize capital gains where possible in an effort to minimize shareholders tax liability. Show less