Investors should carefully consider the investment objectives, risks, charges and  expenses of the TOPS® ETF Portfolios. This and other important information about the portfolios are contained in the prospectus, which can be obtained by calling 1-855-572-5945. The prospectus should be read carefully before investing. The TOPS® ETF Portfolios are managed by ValMark Advisers, Inc. and distributed by Northern Lights Distributors, LLC, member FINRA/SIPC. Northern Lights Distributors, LLC is not affiliated with ValMark Advisers, Inc. or Milliman, Inc.

	Prospectus	Prospectus 1 & 2	Prospectus 3 & 4	Summary Prospectus Class 1 & 2	Summary Prospectus Class 3 & 4	Summary Prospectus Investor Class	SAI	Semi-Annual Report	Annual Report
Aggressive Growth ETF Portfolio
Balanced ETF Portfolio
Growth ETF Portfolio
Conservative ETF Portfolio
Moderate Growth ETF Portfolio
Managed Risk Balanced ETF Portfolio
Managed Risk Growth ETF Portfolio
Managed Risk Flex ETF Portfolio
Managed Risk Moderate Growth ETF Portfolio
TOPS Target Range