Financial Engines Advisors LLC

Item 5: Fees and Compensation

 As is discussed above, Edelman Financial Engines offers clients a range of services intended to provide them
 with options that will help them meet their varying circumstances and needs. The fees for these services vary.
 For individual clients, fees for advisory services are generally based upon: (1) whether services are accessed
 through the workplace or directly; (2) the scope of services and associated costs authorized by the applicable
 plan fiduciary for workplace-accessed services; (3) the level of service chosen by the client both when obtaining
 services through the workplace or directly, and/or; (4) whether services were first accessed before November
 1, 2018. Fees for individuals may also be subject to negotiation in certain situations or have negotiated a flat
 fee. For clients who are not individuals, services and fees are generally negotiated and subject to agreement.
 The advisory services offered by the Firm may be available elsewhere at a lower cost to the client.

 Wealth planning clients of legacy Financial Engines as of November 1, 2018, as well as those who have

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 negotiated separate fee arrangements with the Firm, generally continue to pay the same fees that they were
 paying at that time or as memorialized in their client records. Clients of legacy Edelman Financial Services as of
 that date, as well as all clients who began working with the Firm after that date, generally pay according to the
 fee schedule outlined below. Certain other clients, including clients who used to hold accounts at firms
 acquired by the Firm, pay fees pursuant to the arrangements they entered into with those legacy firms as
 outlined in their client agreements. In all cases, the fee paid, which may be subject to negotiation, will be
 memorialized in the client records. Any changes to fees paid will be disclosed to clients, as relevant, per the
 terms of the client agreements which govern their relationship with Edelman Financial Engines.

    I.   Fees for Discretionary Advisory Services Offered through the Workplace

 Services offered through the workplace are generally defined by contracts entered into between the Firm and a
 plan, plan sponsor or plan provider. As a result, clients who interact with the Firm through the workplace will
 generally continue to see their services and fees be defined by the agreements between the Firm and those
 entities.

 Professional Management Fees

 Workplace clients enrolled in Professional Management (which may include, as applicable, management of
 Workplace IRAs) pay advisory fees as a percentage of the managed assets in their applicable accounts (up to
 0.60% for Professional Management and up to 0.75% for IRA management, generally declining for account
 balances greater than $100,000). Professional Management fees are calculated based on month-end balances,
 and clients generally pay their fees quarterly in arrears. Fees are deducted directly from client accounts. The
 Firm generally does not bill clients and does not in any circumstance deduct fees from clients’ take-home pay.
 Alternatively, the plan sponsor may pay such fees in whole or in part for plan participants. The Professional
 Management fee schedule is subject to change, and the Firm may offer certain clients discounted fees or
 promotional pricing. Fee schedules may vary depending on the method of enrollment used for Professional
 Management. Fees reduce account returns and may impact the ability to achieve retirement goals. Higher
 fees relative to account size can have a compounding effect on long-term outcomes.

 Personal Advisor Fees

 Workplace clients who enroll in Personal Advisor pay a fee generally up to 1.35% on assets under management,
 although fees may be less per negotiated arrangements with certain employers. Such fees apply to both
 Workplace and any outside accounts. A $225 minimum quarterly fee may apply for Personal Advisor. Personal
 Advisor clients pay quarterly in arrears. Fees are deducted from each account managed through Personal
 Advisor. The Firm does not bill active Personal Advisor clients and does not in any circumstance deduct the fees
 from clients’ take-home pay.

   II.   Fees for Sub-Advisory Services

 In addition to offering services directly in the workplace, the Firm also offers sub-advisory services to clients or
 potential clients of certain financial institutions by arrangements with those financial institutions. The Firm
 receives sub-advisory fees from the financial institutions that are generally based upon the investment advisory
 fees charged by that financial institution. The amount of the fee is subject to negotiation between the Firm and
 the financial institution and is typically calculated based on the number of clients or potential clients eligible to

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 receive services, the amount of assets in accounts of clients receiving services, flat annual or other periodic fees
 or on another basis. The Firm and its supervised persons do not sell investments and do not receive
 commissions or compensation for the investment decisions the Firm makes about the specific investment
 alternatives available within a plan.

  III.   Fees for Wealth Planning and TAMP Clients

 Wealth planning clients in the Wrap Fee Program, generally pay fees pursuant to the fee schedule below.
 Legacy Financial Engines clients, as well as clients who initiated relationship with firms acquired by the Firm,
 have rates as negotiated with those firms and as outlined in their client agreements. Unless a separate
 agreement to the contrary is negotiated and outlined in a written agreement, no clients who receive
 investment management through the Firm will pay a fee more than the 1.75% annual fee outlined below. As is
 noted above, a minimum fee applies to certain Personal Advisor clients.

           Client Fee Schedule
           Assets                                   Annual Fee
...

Item 7: Types of Clients

 Edelman Financial Engines generally provides investment advice to individual investors, participants in
 employer-sponsored defined contribution plans, trusts, estates, pension, retirement and profit-sharing plans,
 charitable organizations, foundations, associations, high net worth individuals, institutions, small to mid-sized
 businesses including corporations, and other business entities.

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 There are certain requirements for opening or maintaining accounts at Edelman Financial Engines, including (in
 certain cases), minimum account sizes or a minimum fee. For workplace clients: 1) defined contribution plan
 participants may be required to maintain an account balance of $5.00 prior to initiation of transactions in, and
 ongoing servicing of, a workplace plan account; and 2) for the Workplace IRA service, clients may be required to
 have an account balance of $10,000, although this minimum may be waived.

 For Wrap Fee Program clients who have executed a legacy EFS client agreement: 1) the household minimum
 account size is $5,000 ($3,000 for legacy EFS employees of the Firm), although this minimum may be reduced or
 waived at our discretion; and 2) for institutional clients, the minimum account size is $500,000, although this
 may be waived or reduced at our discretion.

 Wealth planning clients wishing to open an account may be subject to a minimum account size, which is
 determined based on specific models created by the firm. That minimum account size may be reduced,
 increased, or waived, in whole or in part, at our discretion. Where a minimum is not met, we make available
 certain educational tools and guidance at no charge.

 A minimum fee of $225 quarterly may apply to Personal Advisor clients. This minimum fee will still be applied if
 the fees for aggregated assets do not result in a fee greater than $225 quarterly.