Services Group of America

40/60

40% Equity

U.S. Large-Cap Blend
10% Russell 1000 Index
U.S. Small-Cap Growth
10%  Russell Small Cap Index
International Large-Cap Blend
16%  Russell International
Emerging Markets
4%  Russell Energing Markets

60% Fixed Income

Intermediate Bond
48% Russell Fixed Income
TIPs
12%  State Street Inflation Protected

60/40

60% Equity

U.S. Large-Cap Blend
15% Russell 1000 Index
U.S. Small-Cap Growth
15%  Russell Small Cap Index
International Large-Cap Blend
24%  Russell International
Emerging Markets
6%  Russell Energing Markets

40% Fixed Income

Intermediate Bond
32% Russell Fixed Income
TIPs
8%  State Street Inflation Protected

80/20

80% Equity

U.S. Large-Cap Blend
20% Russell 1000 Index
U.S. Small-Cap Growth
20%  Russell Small Cap Index
International Large-Cap Blend
32%  Russell International
Emerging Markets
8%  Russell Energing Markets

20% Fixed Income

Intermediate Bond
16% Russell Fixed Income
TIPs
4%  State Street Inflation Protected

The following asset classes are missing from this portfolio:

U.S. Small-Cap Value
Int'l Large-Cap Value
Int'l Small Cap Value
U.S. REITS
International REITS
Short-Term Bond

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: