Sigfig Wealth Management LLC

FEES AND COMPENSATION
   A. Fees and Compensation
SigFig’s sources of revenue include management fees charged to the Clients and other arrangements addressed
herein relating to Partners and Digital Advice Programs. SigFig currently delivers portfolio-tracking services
without charge to Users. Clients are charged a flat fee or a percentage of the Client’s assets under management.
The management fee is generally no greater than .50% of assets under management. SigFig also may establish
minimum investment amounts for investment advisory services or other program eligibility and reserves the right
to take action up to and including termination of the advisory agreement if those requirements are not met. Clients
should refer to their Investment Advisory Agreement for the applicable fee schedule and other information about
account parameters. As noted, Client fee arrangements vary and SigFig may exercise discretion in determining
fees depending on aspects of the Client relationship and other factors, including but not limited to promotions.

In addition, with respect to the Digital Advice Programs offered through the partnerships with certain Financial
Institutions, SigFig’s sources of revenue include a portion of the management fees charged to Digital Advice
Investors by the Financial Institutions based on assets under management (the “Variable Fee”), as well as digital
platform licensing, and various hosting and maintenance fees paid by the respective Financial Institution to
SigFig. The Variable Fee is negotiated between SigFig and each Financial Institution and generally ranges from
.05%-.10% of assets under management assessed monthly or quarterly. SigFig’s agreement with its Partners may
guarantee SigFig a minimum monthly, quarterly, or annual amount of management fees, such that the Financial
Institution guarantees a minimum level of management fee revenues to SigFig, irrespective of whether the total
management fees billed by the Financial Institution to the Digital Advice Investors or SigFig’s agreed upon share
thereof meets or exceeds that minimum.

Clients and Digital Advice Investors should pay particular attention to Item 5.C. below which describes other
fees, not charged by SigFig or the respective Financial Institutions, that they may incur from third parties.

   B. Fee Deduction
Management fees are deducted automatically from Client accounts by the account custodian and are paid
generally monthly, in arrears in accordance with the Investment Advisory Agreement and prorated to the date of
account opening or termination. Clients consent to such direct or automatic debiting of fees.

In the context of Digital Advice Programs, depending on the nature of the partnership, SigFig may be compensated
directly by the Financial Institution. Management fees are generally automatically deducted from Digital Advice
Investors’ accounts by the account custodian as directed by Financial Institution or SigFig in accordance with the
relevant Investment Advisory Agreement between the Financial Institution and the Digital Advice Investor.
Digital Advice Investors should refer to the relevant Financial Institution’s Brochure for more information
regarding management fees charged in the respective Digital Advice Program.

   C. Other Fees and Expenses
Clients and Digital Advice Investors may incur certain other standard fees and expenses billed by third parties.
Such costs could include brokerage commissions, account opening fees, transaction fees, custodian fees,
investment adviser fees and other related costs and expenses that will be incurred directly by the Client or Digital

Advice Investor.

Clients and Digital Advice Investors should carefully review their Investment Advisory Agreements with SigFig
or the respective Financial Institution for disclosures around fees.

   D. Compensation for the Sale of Securities or Other Investment Products
As noted elsewhere in this Brochure, depending on the nature of the partnership, investment recommendations
made by SigFig and the Financial Institution in the context of the Digital Advice Programs will, in certain cases,
be executed by broker-dealers affiliated with the Financial Institution. As such, when the Digital Advice
Investors’ trade execution is directed to a Partner’s affiliated broker-dealer, Digital Advice Investors may not
obtain rates as low as they might otherwise obtain if a different broker-dealer were to be used. Also, such
arrangements may cause the Partner’s affiliated broker-dealer to earn additional compensation (such as clearing
and custody payments). This practice presents a conflict of interest and gives SigFig or the Financial Institution
an incentive to recommend investment products based on the compensation received, rather than on the Digital
Advice Investor’s needs. Digital Advice Investors are encouraged to review the relevant Financial Institution’s
Brochure for more information.

As outlined further in Items 8 and 12, depending on the nature of the partnership and Digital Advice Program,
SigFig may not have investment authority, discretionary or otherwise, to select or purchase securities for certain
Digital Advice Investors. Additionally, in Digital Advice Programs, brokerage arrangements are generally
decided by the Partner or Financial Institution. Since the Partner, and not SigFig, is generally responsible for
selecting and recommending broker-dealers to introduce or execute transactions, the Digital Advice Investors
may pay higher brokerage commissions or may receive less favorable prices than would be the case if other
broker-dealers were selected to execute transactions.

TYPES OF CLIENTS
SigFig Clients and Digital Advice Investors are generally individual investors who are seeking to optimize their
investment portfolio, reduce their transaction costs, and/or hire an investment adviser. Clients and Digital Advice
Investors are not required to have a certain amount of investment experience, personal wealth or sophistication.
SigFig generally imposes a $2,000 minimum investment on the Clients, which can be reduced or otherwise
modified at SigFig's sole discretion. Digital Advice Programs may also impose minimum investment
requirements. Digital Advice Investors should refer to the relevant Financial Institution’s Brochure for
information regarding investment minimum requirements.

Prior to receiving investment advice from SigFig, prospective Clients are required to open an account on SigFig’s
online platform, among other necessary actions. To register an account, a prospective Client is required to provide
SigFig with certain information, including:

 ● Identifying Information (e.g., email and password);
 ● Information regarding the Client’s existing investment portfolios, if any (either by effectively linking
   any such accounts, so that SigFig can directly obtain Client account holdings or otherwise inputting
   the account information);
 ● Responses to a risk profile questionnaire in order to determine which investment recommendations
   should be provided to the Client;
 ● An agreement to SigFig’s Terms of Service; and
 ● An acknowledgment and agreement to SigFig’s Privacy Policy.

It should be noted that certain of SigFig’s information services are accessible without registering a user account.
Such services do not involve the provision of investment advice.

Similarly, prior to receiving investment advice from the Financial Institution and SigFig, Digital Advice Investors
are required to open a Digital Advice Program account and provide the Financial Institution and SigFig with
certain information, including:

 ● Identifying Information;
 ● Responses to a risk profile questionnaire – designed by SigFig and reviewed and/or approved by the
   Financial Institution or designed by the Financial Institution – in order to determine which investment
   recommendations should be provided to the Digital Advice Investor;
 ● An agreement to the Financial Institution’s Terms of Service; and
 ● An acknowledgment and agreement to the Financial Institution’s and, in certain cases, SigFig’s Privacy
   Policy.