In order to achieve diversification both among asset classes and managers, Lutheran Legacy Foundation invests through mutual funds and ETFs. Diversification also includes active and passive management. The investment allocation policy is set by Lutheran Legacy Foundation’s board of directors and is available online at www.lutheranlegacyfoundation.org. Marks Group Wealth Management ( www.marksgroup.com ) utilizes its access to mutual fund and ETF research to select and purchase the funds for each category. The assets are held at LPL.