Ally Invest Advisors Inc

Item 5 – Fees and Compensation
You are responsible for paying any service fees assessed by Broker or Custodian, such as individual
retirement account termination fees and account transfer fees, none of which are included in our
advisory fee. A list of those fees is available at www.ally.com/invest/ or by contacting Broker. See Item

Item 7 – Types of Clients
stocks, foreign securities, or worthless securities, liquidation will often result in one or more of the
following: delays in execution, receipt of only nominal value, and additional fees. Please note: if the fees
associated with liquidating these securities result in a negative balance, we may terminate services as
described more fully in the Termination of Services section of Item 4 and the Account Minimum section
of Item 7.
The net cash generated from liquidations of deposited securities will be invested in the appropriate
model portfolio, assuming the investment minimums are met. We do not provide tax advice. You are
responsible for seeking the advice of a tax professional prior to depositing securities that are not part of
the model portfolio into your account. Liquidation of securities deposited may be subject to capital gains.
You are responsible for all taxes as well as any early surrender/sales loads for mutual funds transferred
to the account and subsequently liquidated for investment. No commissions will be charged on the sale
of the securities, but your prior broker-dealer may charge you fees for the transfer of your securities.

    1. Robo Portfolios and Invest Simply
Liquidations will be effected after the opening and acceptance of your account and after the eligible
securities are received in good order (certain securities may require additional paperwork) at then-
prevailing market prices.

    2. Personal Advice
If you fund your account with ETFs transferred in from elsewhere, you will work with the Financial
Advisor to review the securities to address your specific needs, and the Financial Advisor will take into
account considerations such as concentrated positions and capital gains tax management when
liquidating the securities as part of the investment proposal process. Any ETFs that are not a component
of the recommended model portfolio will be reviewed for compatibility with the portfolio based on an
established list of acceptable substitutes. Clients who commit to investing assets of $1,000,000 or more
(at a household level) with Personal Advice may request bespoke research in order to determine whether
a deposited ETF that is neither a component of the recommended portfolio nor on the established list
of acceptable substitutes is compatible with the recommended portfolio and can therefore be retained.

    3. Guided Advice
If you fund your account with ETFs transferred in from elsewhere, you will work with the Financial
Advisor to review the securities to address your specific needs and the Financial Advisor will take into
account considerations such as concentrated positions and capital gains tax management when
liquidating the securities as part of the investment proposal process. Any ETFs that are not a component
of the recommended model portfolio will be reviewed for compatibility with the portfolio based on an
established list of acceptable substitutes.

                                                                               Form ADV Part 2A – 04012026 V44