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SEM's Cornerstone Portfolios  are a blend of strategic & dynamic models utilizing the numerous Biblically Responsible Funds & ETFs available on our E*Trade Advisor Services platform. Each portfolio is designed to create a more risk-efficient exposure to the specific return & risk objectives relative to a passively managed index or fund available individually at other fund companies. For more information, contact Jeff Hybiak.

 = Current Portfolio Snapshot
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​​SEM's Portfolio Toolkit allows the advisor to illustrate the risk, return, and overall fee the client would be charged. It also can serve as a program change form. Advisors are highly encouraged to use this tool with their clients for every Cornerstone portfolio.

**SEM's Portfolio Toolkit can serve as both a Program Change form & Fee Addendum.**