A Custom Fit, A Flexible Use
Harmony brings together the choice of seven distinct portfolios or the option to customize your portfolios from several pools of investments.

The Wilshire Way
Wilshire Associates, a leading global investment services firm, oversee the entire Harmony program, ensuring independent portfolio makeup and ongoing active due diligence to keep the integrity of the program intact.

We Lead, Where Others Follow
Partnering with the best, Harmony's platform of portfolio managers are industry recognized leaders in pension-style and institutional money management from around the world.

The Process Starts With You
You and your advisor begin the process with the first and second steps, choosing from seven distinct portfolios or customizing your own portfolio from several pools of investments.

Wilshire® and AGF take care of steps three, four and five, based on what you provide in steps one and two.

Completing the process at step six, you and your advisor meet to make sure your portfolio remains consistent with your financial goals, taking advantage of Harmony's flexibility to adapt to your changing needs.

® Wilshire is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California.