I read the article and immediately wanted to find out the actual holdings they allocate in their stock-based and bond-based portfolios. However, I couldn't find

I read the article and immediately wanted to find out the actual holdings they allocate in their stock-based and bond-based portfolios. However, I couldn't find any information on the actual holdings, which is information that I consider to be pretty important. Do they just buy broad market index based ETFs? Would I be exposed to domestic, international, and emerging markets? The experience is "dumbed down" to make it dead simple, but I feel that it's missing certain power-user features that would help convince people more in touch with their finances to make the switch to their solution. 0.9% is also a pretty high expense ratio. I'm guessing it's to offset redemption trades, fees, and what not. In comparison, passively managed Vanguard-style mutual funds/ETFs that also invest in broad indexes have expense ratios that are an order of magnitude lower.