AT&T

40/60

40% Equity

U.S. Large-Cap Blend
5% Indexed Stock Fund
U.S. Large-Cap Value
5%  DFA U.S. Large Cap Value
U.S. Small-Cap Value
10%  DFA U.S. Small Cap Value
International Large-Cap Value
20% DFA International Value

60% Fixed Income

Intermediate-Term Bond
45% Bond Fund
Short-Term Bonds
15% Interest Income Fund

60/40

60% Equity

U.S. Large-Cap Blend
7% Indexed Stock Fund
U.S. Large-Cap Value
8%  DFA U.S. Large Cap Value
U.S. Small-Cap Value
15%  DFA U.S. Small Cap Value
International Large-Cap Value
30% DFA International Value

40% Fixed Income

Intermediate-Term Bond
30% Bond Fund
Short-Term Bonds
10% Interest Income Fund

80/20

80% Equity

U.S. Large-Cap Blend
10% Indexed Stock Fund
U.S. Large-Cap Value
10%  DFA U.S. Large Cap Value
U.S. Small-Cap Value
20%  DFA U.S. Small Cap Value
International Large-Cap Value
30% DFA International Value

20% Fixed Income

Intermediate-Term Bond
15% Bond Fund
Short-Term Bonds
5% Interest Income Fund

The following asset classes are missing from this portfolio:
Int'l Small-Cap Growth
Int'l Small-Cap Value
merging Markets
U.S. REITS
Int'l REITS

You should try to invest in as many of these asset classes as possible through IRA or individual taxable accounts to arrive at a portfolio that comes close to the chart below: