SOFI Wealth LLC

Item 5: Fees and Compensation
SoFi Wealth Robo Investing Service

Wrap Fee

This automated asset management service is offered as a "Wrap Program," which means that expenses,
including SoFi Wealth's advisory fee, as well as brokerage commissions, management fees, and
administrative costs, are “wrapped” into a single charge -- the "wrap fee".

Clients are charged an annual asset-based fee (the "wrap fee") at the rate of 0.25% based on the value
of each account enrolled in the program.

This fee is non-negotiable. It is payable monthly, in arrears, and is generally billed and collected on the
first trading day of the following month. The fee amount is calculated by multiplying the daily fee amount
(the annual fee divided by the number of days in the year) times the average daily invested balance of
your account times the number of days for which services were provided in the month. The wrap fee is
not charged on the cash allocation, which is generally 1% of the portfolio. Clients are required to agree to
authorize SoFi Wealth to deduct the wrap fee from their client accounts. The amount charged to each
client each month is shown on the client's monthly account statements issued by the custodian and is
also reported in the client's account online.

The wrap fee is subject to change from time to time, upon notice to you. Your continued use of the
service will constitute your agreement to any change in the fee. Upon your request, and at no charge,

you may contact SoFi Wealth at (855) 525-7634 to request information about the wrap fee charged to
your account and how it is calculated.

Additional Fees And Expenses

The wrap fee does not cover:

   ●​ transfer taxes
   ●​ exchange fees, alternative trading system fees, required SEC fees or similar fees charged by
      third parties, including issuers
   ●​ brokerage account fees for services provided by Apex Clearing such as IRA administration,
      maintaining inactive accounts, transferring funds or securities to another firm via ACAT, wires,
      sending paper statements/confirmations, etc.; these fees will change from time to time and can
      be found at the following website: www.sofi.com/invest/fee-schedule
   ●​ fees, expenses and charges charged by mutual funds and ETFs or by the managers or sponsors
      of funds, including internal fees, expenses and charges of the funds used in the portfolios and
      themes
   ●​ any other charges imposed by law or otherwise agreed to relating to your account.

SoFi Wealth's model portfolios use ETFs and mutual funds, each of which has internal fees and
expenses that are specified in the individual fund's Prospectus or offering materials. The fees and
expenses are paid by the funds and are borne by all fund shareholders owning the same share class.
These fees and expenses can include, but are not limited to, mutual fund servicing fees, sub-accounting
fees, management fees, custody fees, portfolio transaction execution costs, administration fees,
distribution fees, and shareholder servicing fees. Fees and expenses charged by these funds or
institutions are deducted from each fund’s net asset value and, as such, are an indirect expense of the
client. Actively managed funds generally charge higher fees than passive, non-managed “index” funds.
All fees and expenses that are charged directly or indirectly to the client will reduce the client’s
investment return. Clients should review each funds' Prospectus to understand the total amount of fees
paid. Mutual fund and ETF expenses change from time to time at the sole discretion of the issuer. SoFi
Wealth does not receive a share of these third party fees.

A single, all-inclusive fee for brokerage, custodial, and recordkeeping services may cost more or less
than purchasing these services separately. The primary factor affecting the comprehensive fee is the
provision by SoFi Wealth of individualized investment advice and portfolio management services tailored
to the needs of each individual.

SoFi Wealth personnel do not receive compensation based on recommendations to a client to participate
in this wrap program.

Revenue To SoFi Affiliates

SoFi Wealth's broker-dealer affiliate, SoFi Securities LLC (“SoFi Securities”), earns revenue in two main
ways when clients invest with SoFi Wealth. One way is payment for order flow (PFOF), which is the
practice of wholesale market makers paying brokers for routing their clients’ orders to the market maker
for execution. By acquiring order flow in this way, market makers are able to trade profitably against
client orders, while clients potentially benefit from reduced trading costs. SoFi Securities also earns
revenue through Apex Clearing by lending clients’ ETF shares held in brokerage accounts to
short-sellers in an activity commonly called “Share Lending.”

SoFi Wealth’s Robo Investing clients are also clients of SoFi Securities and will purchase securities
through SoFi Securities. This represents a conflict of interest more fully described in Item 10 of this
Brochure.

Social Finance, LLC sponsors several ETFs, some of which have historically been used in the Robo
Investing program. Investments in these SoFi ETFs from the Robo Investing portfolios make them more
commercially viable, which generates marketing benefits and, eventually, revenue for SoFi. For these
reasons, SoFi Wealth has a financial incentive to hold SoFi-sponsored ETFs in its portfolios instead of
potentially more-favorable alternatives. SoFi-branded ETFs include the SoFi Select 500 ETF, SoFi Social
50 ETF, SoFi Enhanced Yield ETF, and SoFi Agentic AI ETF. SoFi-branded ETFs are distributed by
Foreside Fund Services, LLC. Not all SoFi-branded ETFs are included in the model portfolios. Neither
SoFi Wealth nor its affiliates are affiliated persons of the Funds, the Adviser, the Sub-Adviser, the
distributor, or any of their affiliates. The Fund’s investment adviser is permitted to waive its Management
...

Item 7: Types of Clients
SoFi Wealth’s clients are individual investors, including individuals and high net-worth individuals. There
is no minimum account size, but clients should be aware that there is a $50 threshold for investment of
cash.