11According to a study by Financial Engines® (http://corp.financialengines.com/employer/ FinancialEngines-2014-Help-Report.pdf), Help participants, on average, experienced median annual returns over 3% (332 basis points) higher than Non-Help participants, net of fees, over the period of 2006-2012. Additional retirement savings is a hypothetical calculation based on a beginning salary of $40,000, with an annual salary increase of 2.5%, and a 10% annual retirement contribution of the annual salary. The calculation assumes a 7.5 percent annual return and a 4.5 percent annual return. The hypothetical calculation is for illustrative purposes only. Actual results may vary based on changes to assumptions and investment performance.
Smart401k is a registered investment adviser which provides independent investment recommendations for employer sponsored retirement plans. Smart401k is under common ownership with Financial Engines, and each advisor provides different types of investment advisory services. Financial Engines is a nationwide system of registered investment advisers, which include affiliated companies and independently owned and operated franchises. Individual Stores are SEC or state registered investment advisers. Each Store can offer investment advisory services to prospective and existing clients in the state where the Store is located, while a number of Stores may also offer advisory services in nearby or other states. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Financial Engines and Smart401k are separate but affiliated companies. They are not responsible for each other’s services or policies. Each entity is its own separate entity that provides services for its client independent from the other. Prospects or clients may directly retain the services of Financial Engines.
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