Smart401k is a registered investment adviser which provides independent investment recommendations for employer sponsored retirement plans. Smart401k is under common ownership with Financial Engines. 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.