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A recent study found that getting retirement investment Help could result in 79% more wealth at retirement.*

This study focused on defined contribution plan participant behavior over a seven-year period.

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* Help in Defined Contribution Plans: 2006 through 2012 published May 2014 (the “Help Study”). The study is available on financialengines.com or you can contact us for a free paper copy. The study was a collaborative effort between Aon Hewitt and Financial Engines and focused on the use of target date funds, online advice, and managed accounts (collectively referred to as “Help”). Within the Help group, online advice and professional management were provided by Financial Engines. The statement that Help could result in 79% more wealth at retirement is based on a hypothetical example that considers a participant using Help and one not using Help. If both invest $10,000 starting at age 45 and receive the median returns for each age segment shown in the study, by age 65, the Help Participant’s portfolio could be 79% larger than the Non-Help Participant’s portfolio ($58,700 for the Help Participant vs. $32,800 for the Non-Help Participant). This report looked at how participant behavior affected portfolio risk and returns over the seven year period between January 1, 2006, and December 31, 2012, which includes one of the most volatile periods in stock market history. The joint study findings do not reflect performance of accounts only managed by Financial Engines and do not constitute investment advice or the recommendation of any particular security, strategy or investment product. The study did not consider taxable investment accounts or individual retirement accounts (IRAs). The investment advisory fees considered in the Help Study may vary significantly from the investment advisory fees you may pay, which, in turn, could result in less wealth in retirement than noted above. In addition, the Help Study considered a universe of fund investments available to direct contribution plan participants that is very different from the universe of funds that may be available to you. These differences may include higher fund fees and expenses, lower risk-adjusted returns, higher investment risk and a greater number of taxable events associated with account rebalancing, which also could result in less wealth in retirement than noted above. Financial Engines does not guarantee results and your actual results may vary.

Important Information

*This is a partial listing of Financial Engines’ customers as of December 31, 2017. These companies have consented to disclosure of their relationships with Financial Engines. This does not constitute an endorsement or approval of the advisory service provided. Third-party marks appearing on this site are the property of their respective owners.

*Investment News, RIA Data Center, 2018

*Methodology: InvestmentNews qualified 2,172 firms headquartered in the United States based on data reported on Form ADV to the Securities and Exchange Commission as of May 1, 2018. To qualify, firms must have met the following criteria: (1) latest ADV filing date is either on or after January 1, 2017, (2) total AUM is at least $100M, (3) does not have employees who are registered representatives of a broker-dealer, (4) provided investment advisory services to clients during its most recently completed fiscal year, (5) no more than 50% of amount of regulatory assets under management is attributable to pooled investment vehicles (other than investment companies), (6) no more than 25% of amount of regulatory assets under management is attributable to pension and profit-sharing plans (but not the plan participants), (7) no more than 25% of amount of regulatory assets under management is attributable to corporations or other businesses, (8) does not receive commissions, (9) provides financial planning services, (10) is not actively engaged in business as a broker-dealer (registered or unregistered), (11) is not actively engaged in business as a registered representative of a broker-dealer, (12) has neither a related person who is a broker-dealer/municipal securities dealer/government securities broker or dealer (registered or unregistered) not one who is an insurance company or agency.

All information provided through the Education Center is for education purposes only and does not constitute investment, legal, or tax advice, an offer to buy or sell any security or insurance product or an endorsement of any third party or such third party's views. Whenever there are hyperlinks to third-party content, this information is intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals, or points of view outside Financial Engines. All examples are hypothetical and for illustrative purposes only. Please contact one of our investment advisors for more complete information based on your personal circumstances and to obtain personalized individual investment advice.

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