91论坛

Frequently asked questions

To learn more about 91论坛 Engines and how we can help you meet your goals, review some of our most frequently asked questions.

About Us

91论坛 Engines was founded with a core mission 鈥 to give everyone the opportunity to move their financial life forward. For more than 35 years, we鈥檝e offered the tools and expertise to help make that possible. Our founders set the tone 鈥 Nobel Prize-winning economist Dr. William F. Sharpe gave individual investors access to sophisticated investment modeling tools that were previously available only to institutional investors, and Ric Edelman established his advisory firm with the belief that everyone should have a trusted financial advocate. Our advisors carry that mission forward every day with every client.

No matter where your financial journey starts with us 鈥 from your first paycheck into and through retirement 鈥 we bring to bear an expert team, patent-awarded investment technology and a full array of services designed to help you transition from one milestone to the next. And our firm is award-winning, but awards are simply the result of our passion for helping our clients. As a fiduciary, when it comes to investment advice, we鈥檙e dedicated to applying that passion with personal and objective wealth planning and investment management services that put our clients and their best interests first, always. When you put your trust in us, you鈥檝e chosen the firm named by 叠补谤谤辞苍鈥檚* 鈥 awarded each September (2018-2023) by 叠补谤谤辞苍鈥檚, based on data within a 12-month period 鈥 as the nation鈥檚 top independent Registered Investment Advisor for the sixth consecutive year.

* The 叠补谤谤辞苍鈥檚 2023 Top 100 RIA Firms list, an eight-year annual ranking of independent advisory firms, is qualitative and quantitative, including assets managed by the firms, technology spending, staff diversity, succession planning and other metrics. Firms elect to participate but do not pay to be included in the ranking. Investor experience and returns are not considered. The 2018 ranking refers to 91论坛 Services, LLC, which combined its advisory business in its entirety with Financial Engines Advisors L.L.C. (FEA) in November 2018. For the same survey, FEA received a precombination ranking of 12th.

Bringing your financial vision to life 鈥 that鈥檚 what drives our team of leaders. Led by our chief executive officer, Jay Shah, our leadership team is composed of some of the brightest minds in the industry, with deep experience in financial services and fintech.

We have financial advisors in 145+ locations nationwide who are ready to partner with you to help support the future you desire. Explore our locations to find one that may suit you and your wealth planning needs.

Serving 1.3 million clients, 690+ plan sponsors and more than 10 million plan participants, we鈥檙e one of America鈥檚 top independent wealth planning and workplace investment advisory firms, with more than $270 billion in assets under management.

* Data as of Dec. 31, 2023

Working with Us

A relationship with a wealth planner is an important one 鈥 especially as your finances get more complex. Your individual advisor provides value far beyond what shows up on a financial statement. They understand your overall goals, and they know what keeps you up at night. They can look at the facets of your financial life to help you understand what鈥檚 happening in the short term 鈥 and help guide you so you can be positioned for the long term.

We work with clients in all stages of life. You鈥檙e an individual with financial goals that are your own. And the further you go in life, the more complex your financial life becomes. That鈥檚 why you need a trusted partner who can help you throughout your journey. At 91论坛 Engines, we give your life鈥檚 work the individual attention it deserves. Whether you鈥檙e making a plan for your personal financial goals or strengthening your legacy, be certain you鈥檙e tapping into the knowledge that comes with a specialized planning team.

Becoming an 91论坛 Engines client is a straightforward process. The first step is to schedule an initial consultation with a financial advisor in your area. After this meeting, if you and your advisor mutually agree that it makes sense for you to become an EFE client, the advisor will start the process with you. This involves scheduling a second meeting to review your financial goals and how to plan for them and authorizing 91论坛 Engines to manage your portfolio. Your advisor will be with you every step of the way as you embark on your new journey. Connect with a planner to get started.

To help maximize your wealth, your financial life 鈥 investment strategy, taxes, insurance, retirement and estate planning 鈥 must be wired together in a holistic approach. Your dedicated financial advisor can coordinate with a team of experts to connect those different pieces into a cohesive view so you can unlock new ways to help build, grow, protect and preserve your wealth.

Certain services provided on an educational and guidance basis only.

We believe it鈥檚 critical to match every client鈥檚 investment risk to their financial goals, personal circumstances and risk tolerance. To accurately model investment risk, we use a proprietary, patent-awarded methodology that encompasses economic factors, asset class historical risks and correlations, and fund- and stock-level risks. Models are also used in creating our investment portfolios at various risk levels to suit different client needs.

At 91论坛 Engines, our advice is personal. We start by assessing your financial goals. Then, using our proprietary analysis and advanced investment engines, your financial advisor will help select a personal portfolio that is uniquely aligned with your goals and risk tolerance. This isn鈥檛 a one-time event, though; it鈥檚 the beginning of an ongoing relationship that will continue as you move through each stage of life and your situation and circumstances change.

The firm鈥檚 Investment Committee has overall responsibility for the oversight of advisory and investment management services, including the application of proprietary investment methodology that generates advice recommendations and portfolio management. The committee meets regularly to review and approve methodology and parameter updates, investment policies, new service and client communications designs, and ongoing monitoring of portfolio allocations. The committee is comprised exclusively of 91论坛 Engines employees with a broad range of experience and expertise. Most members of the committee have long tenure with 91论坛 Engines, and the majority have been integrally involved in the development of the advisory platform for many years. For specific information about the membership on the Investment Committee, please see the firm鈥檚 Form ADV Part 2B.

Neil Gilfedder, executive vice president of Investment Management and chief investment officer, oversees the team that manages investments for more than 1.3 million clients* at 91论坛 Engines while helping them navigate the financial market cycles. Neil directs the investment management operations and evolution of our proprietary investment methodology, built upon the principles of the firm鈥檚 co-founder and Nobel laureate William F. Sharpe. Our advice is powered by a sophisticated investment management approach that has been awarded 12 U.S. patents.

* Client data as of Sept. 30, 2023

To determine the right investment portfolio for you, we鈥檒l ask you to complete a client questionnaire that helps us understand your financial goals, tolerance for risk, time horizon and more. From there, we鈥檒l use our market insights and patent-awarded investment methodology to build a portfolio designed with the most appropriate asset allocation mix for your financial goals in mind 鈥 and we鈥檒l continue to make adjustments and provide guidance on other planning considerations, such as taxes, as your goals evolve.

Fees are based on a percentage of your total investable assets. This percentage changes based on how much wealth is being managed by your advisor. To get a better understanding of what kind of fee structure would apply to your account, connect with a planner. You鈥檒l start by answering a few questions designed to help your advisor prepare an initial meeting with you. Review this form to learn more about our fees and other helpful questions.

It's OK if you're currently working with an advisor. Many people work with different advisors or firms throughout their lives in order to find one that is the right fit for them. We suggest connecting with a planner so you can discuss what your needs are. The advisor/client relationship is based on an intimate understanding of your goals and the services and expertise required to help meet those goals.

When you schedule an initial meeting, we encourage you to answer a few questions. The more information you provide, the more productive that first meeting will be. We understand that not everyone is comfortable entering detailed financial information into a questionnaire. That's why we enable you to share high-level information in our connect to a planner form to simply start the planning process.

Yes, we have full virtual meeting capabilities and are happy to accommodate a client鈥檚 personal meeting preference, whether that is in person in one of our 145+ office locations* nationwide or virtually from the comfort of your own home.

* Data as of Dec. 31, 2022

Your account must reside with one of our custodian partners, which include Charles Schwab, Fidelity and Axos (previously E*TRADE). If your assets are elsewhere, once you choose a custodian among our partners, we鈥檒l help you with the asset transfer, enabling us to manage your assets for you. Rest assured, 91论坛 Engines does not hold your funds directly; we simply require your permission to manage your assets at the custodian on your behalf.听听

At 91论坛 Engines, our integrated financial planning is truly personal, designed to help elevate your wealth plan today and take it to the next level. Your accounts are maintained at the custodian in your name. 91论坛 Engines is authorized to manage the account on your behalf, and you always have access to your money. 91论坛 Engines does require that you allow us to make all day-to-day investment decisions in the accounts we manage 鈥 that鈥檚 why you hired us!

Your account must reside with one of our custodian partners, which include Charles Schwab, Fidelity and Axos (previously E*TRADE). If your assets are elsewhere, once you choose a custodian among our partners, we鈥檒l help you with the asset transfer, enabling us to manage your assets for you. Rest assured, 91论坛 Engines does not hold your funds directly; we simply require your permission to manage your assets at the custodian on your behalf.听听

We encourage clients to take the time to meet with us at whatever financial stage in life they are in. We can help clients build a sound financial plan from the time they are early investors all the way through retirement and wealth transition. The right time to meet with a financial advisor is now.

About Our Planners

A fiduciary is an individual who acts in the best interests of a particular person or beneficiary. In the world of financial services, that means fiduciary advisors must only act in the best interests of their clients.

Yes, 91论坛 Engines and our financial advisors act as a fiduciary when it comes to investment advice and investment management. This means we only make decisions based on the best interests of our clients. Not simply because it鈥檚 a legal requirement, but because it鈥檚 the right thing to do. Fiduciaries must act with a higher standard of care and we take this obligation seriously.

A financial advisor can help you focus on the future and gain control of your personal finances. 91论坛 Engines financial advisors know how to help optimize your portfolio for today 鈥 and adapt it for tomorrow. Our advisors will guide you every step of the way as you embark on your new journey.

While not all of our advisors are able to take on new clients at this time, if you have a preference to work with a particular advisor, we will do everything that we can to accommodate your request.

Every financial advisor at 91论坛 Engines is listed on our website with their credentials and work experience. You may use Find a Financial Planner to connect with an advisor near you.

You may also view the for financial advisors.

At 91论坛 Engines, we have more than 145 offices nationwide* 鈥 we recommend that you work with an advisor that is in your area. For those who do not live close to an 91论坛 Engines office or are otherwise unable to meet in person, we have the option of having a virtual relationship. Don鈥檛 see a location near you? Our National Advisor Center can help.

* Data as of Dec. 31, 2022

We have more than 360 financial advisors* here at 91论坛 Engines and our goal is to provide the very best service and experience possible to our clients. On our website, we have each of our advisors and their profiles available to the public. If you would prefer to meet with another advisor who was not assigned to you, please just let us know and we will do everything that we can to accommodate you.

* Data as of Dec. 31, 2023

Your wealth planning team is led by your advisor, who will get to know you 鈥 your specific goals, your concerns and what you want to accomplish. Together, you鈥檒l clarify what wealth means to you and explore how much further you鈥檇 like your wealth to take you. Your advisor has access to a team of experts in everything from investments and tax planning strategies to estate planning and insurance guidance who can build a personalized plan that takes into account your entire financial life and helps you reach your goals.

Our Services

To help maximize your wealth, we believe in taking an integrated approach to wealth management. Your financial life 鈥 investments, taxes, insurance, retirement and estate planning 鈥 must be wired together. Your dedicated financial advisor can coordinate with a team of experts to connect those different pieces into a cohesive view so you can unlock new ways to help build, grow, protect and preserve your wealth.

To get answers to some of your other services questions, see our Retirement Planning FAQ and Tax Planning FAQ. Coming soon: Financial Planning FAQ, Investment Management FAQ, Insurance Guidance FAQ and Estate Planning FAQ.

Certain services provided on an educational and guidance basis only.

To help maximize your wealth, we believe in taking an integrated approach to wealth management. Your financial life 鈥 investments, taxes, insurance, retirement and estate planning 鈥 must be wired together. Your dedicated financial advisor can coordinate with a team of experts to connect those different pieces into a cohesive view so you can unlock new ways to help build, grow, protect and preserve your wealth.

To get answers to some of your other services questions, see our Retirement Planning FAQ and Tax Planning FAQ. Coming soon: Financial Planning FAQ, Investment Management FAQ, Insurance Guidance FAQ and Estate Planning FAQ.

Certain services provided on an educational and guidance basis only.

Someone from our team will call you to schedule an appointment. When you meet with your financial advisor, you鈥檒l talk about your goals, which will help form the foundation of any personal financial plan. We encourage you to make a list of your needs and wishes, so your advisor can help you plot a course and stay on track. You deserve to move your financial life forward, and hiring a financial advisor 鈥 one who always acts in your best interests with investment advice 鈥 is the first step.

We鈥檙e here to help. Please contact us so we can help get your questions answered.