ADP

40/60

40% Equity

U.S. Large-Cap Blend
10% Northern Trust S&P 500
U.S. Small-Cap Growth
5%  Northern Trust Extended Market
U.S. Small-Cap Value
5%  American Century Small-Cap Value
International Large-Cap Growth
20%  Northern Trust ACWI

60% Fixed Income

Intermediate-Term Bond
60%  Northern Trust Aggregate Bond Index
 

60/40

60% Equity

U.S. Large-Cap Blend
15% Northern Trust S&P 500
U.S. Small-Cap Growth
7%  Northern Trust Extended Market
U.S. Small-Cap Value
8%  American Century Small-Cap Value
International Large-Cap Growth
30%  Northern Trust ACWI

40% Fixed Income

Intermediate-Term Bond
40%  Northern Trust Aggregate Bond Index

80/20

80% Equity

U.S. Large-Cap Blend
20% Northern Trust S&P 500
U.S. Small-Cap Growth
10%  Northern Trust Extended Market
U.S. Small-Cap Value
10%  American Century Small-Cap Value
International Large-Cap Growth
40%  Northern Trust ACWI

20% Fixed Income

Intermediate-Term Bond
20%  Northern Trust Aggregate Bond Index

The following asset classes are missing from this portfolio:

US Large Cap Value
Int'l Large-Cap Value
Int'l Small-Cap Growth
Int'l Small-Cap Value
Emerging Markets
U.S. REITS
Int'l REITS
Short-Term Bonds
TIPS (inflation protection)

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: