SigFig FAQs

A friendly SigFig team member is here for you:

- Live Chat on the SigFig site(Monday-Friday, 6AM-3PMPT)

- Phoneat 1-855-9-SIGFIG (Monday-Friday, 6AM-3PMPT)

- Email at [email protected]

- Or Schedule an appointment with our FinancialConsultant here (Monday-Friday, 6AM-6PMPT)

Absolutely!A friendly SigFig team member is here for you by:

- Live Chat on the SigFig site(Monday-Friday, 6AM-3PMPT)

- Phoneat 1-855-9-SIGFIG (Monday-Friday, 6AM-3PMPT)

- Email at [email protected]

- Or Schedule an appointment with our FinancialConsultant here (Monday-Friday, 6AM-6PMPT)

Our goal is simple to provide you with a low-cost, well-balanced portfolio operating at the risk level you choose. Typically, everyday investors are often paying too much in fees and own a portfolio that's not well-diversified (translation: taking on far too much or too little risk). To provide you with an efficient portfolio geared towards long-term growth, we will often need to replace your current holdings with low-cost, well-diversified funds. We take the information you give us and use our algorithm to match you to the right portfolio for you. Want more detail? Read our white paper covering SigFig's methodology.

Questions? Email us at [email protected], call our direct line at 1-855-9-SIGFIG option 1 to have a complimentary chat with our financialconsultant, or schedule your appointment by clicking here.

Just the cost of the ETFs plus SigFig's management fee is 0.25% of the assets under management over $10,000. We won't charge you for commissions, transactions, or trade fees that most other advisors charge when rebalancing accounts.

Questions? Email us at [email protected], call our direct line at 1-855-9-SIGFIG option 1 to have a complimentary chat with our financialconsultant, or schedule your appointment by clicking here.

Our primary goal is to build a properly diversified portfolio for you at the lowest cost using funds with a 0.15% expense ratio on average.

To do this, we identified six key asset classes that have the biggest impact on investment returns and let us diversify your portfolio on two levels: security-level diversification by investing in asset class ETFs and market diversification by providing exposure to many different markets across asset classes.

We invest you in commission-free index-based ETFs from Vanguard, iShares, and Schwab. These widely-held, seasoned ETFs are broadly diversified within each asset class we focus on: US-based stocks, US-based bonds, developed (non-US) and emerging market stocks, real estate, and short-term US Treasury securities. You can learn more about ETFs and how we invest here.

While our fund lineup will change periodically, these are our current fund lineups at each brokerage we support:

Fidelity: TIP (Treasury Inflation Protected Security), AGG (US Bonds), SHY (Short Term Treasuries), EMB (Emerging Market Debt), MUB (US Municipal Bonds), ITOT (US Equity), IEFA (Developed Market Equity), IEMG (Emerging Market Equity), and FREL (Real Estate)

TD Ameritrade: TIP (Treasury Inflation Protected Security), AGG (US Bonds), SHY (Short Term Treasuries), PCY (Emerging Market Debt), MUB (US Municipal Bonds), VTI (US Equity), VEA (Developed Market Equity), VWO (Emerging Market Equity), and VNQ (Real Estate)

Schwab: SCHP (Treasury Inflation Protected Security), SCHZ (US Bonds), SCHO (Short Term Treasuries), PCY (Emerging Market Debt), TFI (US Municipal Bonds), SCHB (US Equity). SCHF (Developed Market Equity), SCHE (Emerging Market Equity), and SCHH (Real Estate)

Questions? Email us at [email protected], call our direct line at 1-855-9-SIGFIG option 1 to have a complimentary chat with our financialconsultant, or schedule your appointment by clicking here.

To DELETE a holding from a manual portfolio:

1. Log into your SigFig account and click on the Holdings tab in the top center of your screen.

2. Click on the downward arrow (1) to the right of the portfolio you want to edit and select "Edit Portfolio" (2) from the dropdown.

3.Place a checkmark in the "Delete" column next to every holding you would like to remove.

4. Press SAVE when you have all of the proper holdings selected.

5. Finally, confirm that you would like to delete this holdings. Please note that we cannot restore any holdings once they are removed.

A Syncedportfolio is a type of portfolio that will link our site directly to your brokerage. It will not sign you up for any sort of management, but it will display your up to date data directly on our site. For example, if you were to trade 200 shares of your favorite stock, you will see the change appear on our website as well as on the brokerage website.

Step 1:

Setting up a linked portfolio is easy. Just sign into SigFig and go to your "Holdings" tab at the top of the screen.

here

Step 2:

From here, you can select the brokerage you would like to add. You can either select from one of the brokerages available, or search from the full list using the search bar in the center of the screen.

(If you cannot find your brokerage on our list, then you may need to create the portfolio manually while we work on getting your brokerage added. Simply follow the instructions here on how to create a manual portfolio.)

Step 3:

Enter in the requested brokerage information and press "Sync Brokerage Account". Please note that some brokerages may require information that is different from the normal user ID and password you use on the site. Make sure you enter in the correct information or the account may not link.

Step 4:

You will be taken back to the main page and our system will begin pulling the data to your account.

Once the account is added, the page should refresh and you will see your synced account on the "Holdings" page.

If you run into any problems, check out how to trouble shoot or talk to us here at SigFig. You can either live chat with us directly on the Asset Manager or Report Card tabs, or you can call us at 855-9SIGFIG.

Don't worry. Were committed to keeping SigFig Portfolio Tracker free for our users. Our portfolio tracker system is built to help investors keep track of their investments they may hold at additional brokerages. There are no extra bells or whistles hidden behind a fee structure and we do not intend to make money from the portfolio tracker.

SigFig supports this tracker with the help our Managed account system. With a managed account, we help our users invest their funds in a diversified suite of ETFs and manage the account for them. Even for this, our fee is below the industry average. Our management fee is only0.25% of the assets under management, after the first $10,000. If you are interested in something like this, you can find out more details here.

We support individual, joint and all IRA types.

Have an old 401(k)? We can help roll it over into an IRA. It's easy for us to manage your existing accounts, just set up an appointment to speak with one of our Finical Advisor who would love to help you through this process. Link: http://www.meetme.so/sigfigsupport

We are working tosupportactive401(k), 529 plans and corporate accounts,so stay tuned!

Adding funds to your account is easy and can be done directly from your app. To do so, start by tapping "Deposit" at the bottom of the screen.

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From here, select if you would like this to be a "One Time", "Weekly" or "Monthly" deposit. If you have already linked a bank account, you should be able to select it from the list. If you have not linked an account, the app will walk you through the steps to get it added into the system and linked to your account.

When you are done, just press the large Add Funds button at the bottom and the process will start. If it is the first time you have used this account, you may see some paperwork appearing in your inbox so our Operations Team can properly set up the transfer for you. So keep an eye out!

If you ever have any issues, please feel free to contact us at

If you ever need to make a withdrawal from one of your Managed Accounts, you can do so directly from the app itself. To start, just go to the Managed tab on your app.

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Here, you will see your Accounts. Tap the account you wish to "Withdraw" from.

From here, tap the 3 dots in the upper right-hand corner and select "withdrawal" from the pop-up at the bottom of the screen.

The window that appears will help you set up your withdrawal. You can select if you would like this to be a "Recurring" withdrawal or just a "One-Time" withdrawal. Follow the steps and fill in all of the fields to get your withdrawal set up with SigFig. If you don't already have a bank account linked, it will ask you to do it here.

When you are done, just press the red "Withdraw" at the very bottom of the page to finalize the withdrawal. This will set up a liquidation of the requested funds in your SigFig account and the transfer to your bank account. Once liquidated, there is a 3 business day, brokerage required waiting period that the funds are required to settle in the account. This means the funds should land in your bank account in about 4 - 5 business days once the withdrawal is requested.

If you ever run into any problems, please feel free to contact us at

To monitor your investments in all of your different brokerage accounts, you can start by creatinga manual account. To do so, tapon the "Settings" tab on the bottom of your screen.

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From here, tapon the "Accounts" tab of your app.

From here, you can tap the + sign in the lower right to add in a portfolio.

Tapping the + sign will bring up a list of brokerages for you to select.To create a manual portfolio, go to search glass and type "Manual" and tap on "Add A Portfolio Manually"

After you press "Add A Portfolio Manually", just follow the steps below. Enter a portfolio name, enter in any cash in the account, then press the "Add New Holdings" to start entering in tickers, shares, and the total cost.

When you are done, just press Save in the upper rightand the portfolio will be added to your list. If you ever run into any trouble along the way, please always feel free to send us an email at with any questions you may have.

To monitor your investments in all of your different brokerage accounts, you can start by linking an account. To do so, tapon the "Settings" tab on the topof your screen.

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From here, tapon the "Accounts" tab from your app.

From here, you can tap the + sign in the bottom right to add in a portfolio.

Tapping the + sign will bring up a list of brokerages for you to select. If you do not see your brokerage, try searching for it. If your brokerage is not supported yet, we apologize as we constantly working to add more brokerages as we grow. Feel free to let us know what you are looking for at [email protected].

Once you have selected your portfolio, just follow the instructions and enter in the proper credentials. This will link your portfolio so it will update whenever there is a change on the brokerage side.

If you have any issues, please feel free to let us know at

Manual portfolios are what you can use to create watchlists for holdings you do not own yet, but want to keep an eye on. They can also be used to be a stand in for brokerages that we cannot link with yet.

The difference between a manual portfolio and a synced portfolio is that the manual portfolio will not automatically update its number of shares and its cost basis when trades are made on your brokerage account. The value will still follow the market and will show you how they are performing, but you will need to adjust them as trades are made to properly match.

Step 1:

Setting up a Manualportfolio is easy. Just sign into SigFig and go to your "Holdings" tab at the top of the screen.

Step 2:

From here, select "Create A Manual Portfolio" by using the button beneath the brokerages.

Step 3:

This will open up the manual portfolio screen where you can fully create a manual portfolio.

1. You will need to enter a name for your portfolio to proceed. You can name it anything you like. Bills Portfolio, IRA, Stocks to Watch, etc.

2. Press this button to add any additional cash that is uninvested in the portfolio. If you only have stocks and no cash, you can skip this step.

3. Press"+Add Holding" to add in a stock. It will create a new blank bar where you can enter in the name or ticker symbol of the stock, then you can select it from the list that appears.

Once you click the name of the company, you will be able to enter in the Shares and theAvg Cost Per Share.

4. Once you have entered in all of your stocks and their info, you can press "Create Portfolio". This will add the portfolio to your "Holdings" tab.

If you press "Create Portfolio" and nothing happens, check over your entries. The system will highlight any problems in red. Special characters like letters or commas in the fields can occasionally cause issues and will need to be deleted. Check the entries in red and see if you can save after correcting them.

We like our ETFs (exchange-traded funds) because they're commission-free, way more flexible and generally less expensive than mutual funds. If you want to learn more about ETFs, read up on our methodology or shoot an email to our team at [email protected]. Want even more on ETFs? Get helpful information here.

If you wish to remove a portfolio (either Manual or Synced), you can do so directly from your App. To start, go to your "settings" tab on the bottom right-hand side of your screen.

here

Once you are on the Settings page, you will select the Accounts tab.

Once you are on the Accounts Portfolio Screen, just tap on the 3 dots next to the portfolio you would wish to delete.

You would be given a selection of choices, one of which being "Delete Portfolio". Select this option and follow the prompts to remove the portfolio. This will work with both Manual and Synced portfolios.

If you are looking to cancel a Managed account, please see the article for instructions.

SigFig Managed accounts can be set up completely from the app itself! The process only takes a few minutes.

To do so, start on your Overview tab and select the Managed tab that you can found in the top right-hand corner of your overview screen.

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If this is your first Managed account, you can schedule an appointment with one of our FinancialAdvisors by select Schedule Now link on the app or you can use the "Build My Investment Plan" in the bottom right corner.

If you schedule an appointment with one of our Finical Advisors they will be able to walk you through the process. If you select "Build MyInvestmentPlan" thent will walk you through the steps of setting a risk profile and gather some necessary information from you so we can generate paperwork that can be signed directly on the app.Follow the flow from here and answer all of the questions to the best of your ability.

Once you have completed theBuild MyInvestmentPlan section the app will provide the portfolio we recommend for you based on the answers to the previous question. At the bottom of the page select "Funds This Portfolio."

The next screen will provide two options fund with Bank Account or InvestmentAccount. If you are unsure you can select Fund Later, however, keep in mind the accountwon'tbe able to begin management until the account is over our minimum balance of $2,000.

From the Fund You Account section, it will walk you through the paperwork details where you will answer all necessaryinformation needed to open an account with SigFig.

If you run into any problems along the way, please feel free to email us at

You can now hide portfolios from your grand total, charts, and widgets if you decide you no longer wish to see this portfolio as part of your total holdings.

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To do so, all you need to do is go to your Settings page and then Select the Accounts Tab.

Here, you will see all of your portfolios with a bluecheckmark to left of each name. If you tap this checkmark it will remove the checkmark, which means the portfolio is now hidden. Any portfolios without a checkmark will be hidden until the checkmark is added back in by simply tapping the portfolio again.

If you return to the holdings page and the portfolio is still being shown, try refreshing the app completely and it should have disappeared.

If you have any questions, please feel free to let us know at

To monitor your investments in all of your different brokerage accounts, you can start by linking an account. To do so, tapon the "Settings" tab atthe bottom right-hand corner of your screen.

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From here, go into the "Accounts" tab in the middle of your screen.

From here, you can tap the + sign in the upper right to add in a portfolio.

Tapping the + sign will bring up a list of brokerages for you to select. If you do not see your brokerage, try searching for it. If your brokerage is not supported yet, we apologize as we constantly working to add more brokerages as we grow. Feel free to let us know what you are looking for at [email protected].

Once you have selected your portfolio, just follow the instructions and enter in the proper credentials. This will link your portfolio so it will update whenever there is a change on the brokerage side.

If you have any issues, please feel free to let us know at

If your iPhone supports Apple Touch ID, you can activate this to give added protection to your SigFig app. To do this start with going to the"Settings" tab on your app

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From the "Settings" tab, click on the "Profile" tab of your app.

From the "Profile" tab, scroll down the tab until you see the "Security" section and turn your Security Pin on.

To enable Touch ID, just make sure that this switch is turned ON and your Touch ID is active on your apple device.

When both of these are active, you will be prompted to use your Touch ID when opening your SigFig app.

Let us know if you have issues getting this set up at

Thanks!

Your SigFig iPhone app now comes with a widget so you can see how your portfolios are performing at a glance.

To enable the Widget, all you need to do is log into the app and tapyour Settings tab in the lowerright-hand corner. From here, go to the "Profile" option and look for Enable Portfolio total at the very bottom of the "profile" tab.

When you tap on this, you will activate the app and be given instructions on how to set up the widget to appear on your screen when you swipe down.

If you already have a Manual Portfolio, you are able to edit and add holdings to this account directly from your app.

To do so, tapon the "Settings" tab on the bottom right-hand corner of your screen.

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From here, go into the "Accounts" tab of your app.

When you are on the list of your Accounts, tap the 3 dots on the far right-hand side of the portfolio you would like to edit.

After clicking the 3 dots, at the bottom of the page select "Edit Account."

To edit any holding, simply tap the Shares or Total Cost to replace the number. To remove the holding, press the red - sign to remove the entire holding.

And finally, to add new holdings press the + Add New Holdings button.

When everything is completed, press the SAVE button at the bottom of the screen to save your changes.

And then you are done! If you ever run into any other issues, please feel free to email support at

Great question. First off, let's talk about cost. The average expense ratio on our funds is 0.15%, well below industry average.

While our fund lineup will change periodically, here are our current fund lineups at each supported brokerage with the respective asset class in parentheses:

Fidelity: TIP (Treasury Inflation Protected Security), AGG (US Bonds), SHY (Short Term Treasuries), EMB (Emerging Market Debt), MUB (US Municipal Bonds), ITOT (US Equity), IEFA (Developed Market Equity), IEMG (Emerging Market Equity), and FREL (Real Estate)

TDAmeritrade: IPE (Treasury Inflation Protected Security), SPAB (US Bonds), SPTS (Short Term Treasuries), EMB (Emerging Market Debt), MUB (US Municipal Bonds), SPTM (US Equity), SPDW (Developed Market Equity), SPEM (Emerging Market Equity), and USRT (Real Estate)

Schwab: SCHP (Treasury Inflation Protected Security), SCHZ (US Bonds), SCHO (Short Term Treasuries), PCY (Emerging Market Debt), TFI (US Municipal Bonds), SCHB (US Equity). SCHF (Developed Market Equity), SCHE (Emerging Market Equity), and SCHH (Real Estate)

There are a few culprits when password resets don't work. The biggest offender is usually an extra space before your actual password begins.

It might look like this:

" ResettingMyPasswordShouldBeEasy" <--- Incorrect, leading spaces

"ResettingMyPasswordShouldBeEasy" <--- Correct!

If that's not the case, you may have requested a password twice, invalidating the first password emailed to you by our system. If this is the case or something else, just email [email protected] and we will help out however we can.

At each of our custodians, we start with a primary set of ETFs (the same set of ETFs in our regular portfolios) and utilize a set of secondary ETFs with similar, but not identical risk profiles.

Below is a table of our primary and secondary ETFs.

PRIMARY

SECONDARY

Broker

ETF

ETF

US Bonds

TD Ameritrade

SPAB

SCHZ

Fidelity

AGG

SCHZ

Schwab

SCHZ

AGG

Short Term Treasuries

TD Ameritrade

SPTS

SCHO

Fidelity

SHY

SCHO

Schwab

SCHO

SHY

Emerging Market Debt

TD Ameritrade

EMB

PCY

Fidelity

EMB

PCY

Schwab

PCY

EMB

US Municipal Bonds

TD Ameritrade

MUB

TFI

Fidelity

MUB

TFI

Schwab

TFI

MUB

US Equity

TD Ameritrade

SPTM

IWB

Fidelity

ITOT

IWB

Schwab

SCHB

SCHX

Developed Market Equity

TD Ameritrade

SPDW

IEFA

Fidelity

IEFA

VEA

Schwab

SCHF

IEFA

Emerging Market Equity

TD Ameritrade

SPEM

IEMG

Fidelity

IEMG

VWO

Schwab

SCHE

IEMG

Real Estate

TD Ameritrade

USRT

IYR

Fidelity

FREL

IYR

Schwab

SCHH

VNQ

TIPS

TD Ameritrade

IPE

Fidelity

TIP

Schwab

SCHP

TIP

Our investment philosophy is to reduce risk while using low cost funds from some of the most well-respected companies in the industry, including Vanguard and iShares. We believe in creating broadly diversified portfolios, specifically in stocks and bonds, that give you exposure to investments in the US and internationally.

Check out our investment methodology !

Questions? Reach our excellent Customer Support team by:

- Live Chat on the SigFig site

- Phoneat 1-855-9-SIGFIG

- Email at [email protected]

Great question. First off, let's talk cost. The average expense ratio on our funds is 0.15%, well below industry average.

While our fund lineup will change periodically, here are our current fund lineups at each supported brokerage with the respective asset class in parantheses:

Fidelity: TIP (Treasury Inflation Protected Security), AGG (US Bonds), SHY (Short Term Treasuries), EMB (Emerging Market Debt), MUB (US Municipal Bonds), ITOT (US Equity), IEFA (Developed Market Equity), IEMG (Emerging Market Equity), and FREL (Real Estate)

TD Ameritrade: IPE (Treasury Inflation Protected Security), SPAB (US Bonds), SPTS (Short Term Treasuries), EMB (Emerging Market Debt), MUB (US Municipal Bonds), SPTM (US Equity), SPDW (Developed Market Equity), SPEM (Emerging Market Equity), and USRT (Real Estate)

Schwab: SCHP (Treasury Inflation Protected Security), SCHZ (US Bonds), SCHO (Short Term Treasuries), PCY (Emerging Market Debt), TFI (US Municipal Bonds), SCHB (US Equity). SCHF (Developed Market Equity), SCHE (Emerging Market Equity), and SCHH (Real Estate)

I am afraid thatfor now there's no way to change your SigFig username. However, you can create a new SigFig account using the same email address.

And if you really want to get rid of your old username, email [email protected] and request the username of your choice to be deleted.

If you do not have a SigFig Managed account yet,then you can go to theGuidance Pageat the top of your screen. The allocations for your optimal portfolio will be displayed on this page.

If you already have a SigFig Managed account,you can just follow the steps below.

1. Log into your SigFig account.

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2. Click on Managed tab at the top of your screen.

3. This will display all of your managed accounts. Click on the portfolio you want to edit and it will expand to show you more data. To edit the risk profile, press "Edit Allocation" on the left hand side of the screen.

4. One the account has expanded, you will see the full Risk Slider Bar and the Proposed Allocations below it. This will give you a full breakdown on the account.

If you wish to look at more allocations, feel free to slide the bar up and down to see how the allocations would change. These changes will not be locked in until you press the "Set Allocation" button at the bottom.

If you would ever like to retake the risk questionnaire, feel free to click on the "Retake Questionnaire" button right above the slider bar.

4. Click Set Allocation at the very bottom of the page and you're done!

The system will automatically pick up the changes in your risk level and rebalance your account within one business day. (Note: The way commission-free ETFs are set up, funds can only be sold once within a 30 day period to avoid trade/transaction fees. Rebalances will not happen more than one every 30 days, unless you ask us otherwise.)

Questions? Reach our excellent Customer Supportteam by:

- Live Chat on the SigFig site

- Phoneat 1-855-9-SIGFIG

- Email at

Changing the risk level on a managed portfolio is easy. Just follow these steps:

1. Log into your SigFig account.

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2. Click on Managed tab at the top of your screen.

3. This will display all of your managed accounts. First, click on the portfolio you want to edit the allocation on. This will open the account and display more data. To edit the risk profile, press "Edit Allocation" on the left hand side of the screen.

4. One the account has expanded, you will see the full Risk Slider Bar and the Proposed Allocations below it. This will give you a full breakdown on the account.

If you wish to look at more allocations, feel free to slide the bar up and down to see how the allocations would change. These changes will not be locked in until you press the "Set Allocation" button at the bottom.

If you would ever like to retake the risk questionnaire, feel free to click on the "Retake Questionnaire" button right above the slider bar.

4. Click Set Allocation at the very bottom of the page and you're done!

The system will automatically pick up the changes in your risk level and rebalance your account within one business day. (Note: The way commission-free ETFs are set up, funds can only be sold once within a 30 day period to avoid trade/transaction fees. Rebalances will not happen more than one every 30 days, unless you ask us otherwise.)

Questions? Reach our excellent Customer Supportteam by:

- Live Chat on the SigFig site

- Phoneat 1-855-9-SIGFIG

- Email at

If you are looking to see the allocations for how exactly you will be invested, there are two places you can check.

If you do not have a SigFig Managed account yet,then you can go to theGuidance Pageat the top of your screen. The allocations for your optimal portfolio will be displayed on this page.

If you already have a SigFig Managed account,you can just follow the steps below.

1. Log into your SigFig account.

[email protected]

2. Click on Managed tab at the top of your screen.

3. This will display all of your managed accounts. First, click on the portfolio whose allocation you want to edit, this will display more details. To edit the risk profile, press "Edit Allocation" on the left hand side of the screen.

4. One the account has expanded, you will see the full Risk Slider Bar and the Proposed Allocations below it. This will give you a full breakdown on the account.

If you wish to look at more allocations, feel free to slide the bar up and down to see how the allocations would change. These changes will not be locked in until you press the "Set Allocation" button at the bottom.

We identified six key asset classes through which we cover a substantial portion of the investable world. These asset classes hold the biggest impact on returns and allow us to diversify your portfolio on two levels: investing in an asset class ETF provides security-level diversification, while investing across asset classes provides exposure to many different markets. We keep costs down by focusing on commission-free index-based ETFs from Vanguard, iShares, and Schwab. These widely-held, seasoned ETFs are broadly diversified within each asset class we focus on: US-based stocks, US-based bonds, developed and emerging market stocks, real estate, and short-term US Treasury securities. Learn more about ETFs and how we invest here.

Questions? Reach our excellent Customer Success team by:

- Live Chat on the SigFig site

- Phoneat 1-855-9-SIGFIG

- Email at

* Market conditions are what they are, this is an estimate and your actual asset allocation will be determined on the day trades are made.

Protecting and securing user data has been the absolute number one priority in building this product. We went through an exhaustive third-party security audit to validate the security of our platform, which was designed and built by the same people that built Amazon.com's technology for securing credit card numbers. At every step along the way, from transmitting data over a secure connection, to encrypting user credentials from the moment they are entered, we've designed our architecture with security at the forefront. The result is bank level security, with 256 bit SSL encryption for all data.

You can read more about SigFig Security here.

Easily link your checking or savings account for withdrawals and deposits.

Here's how:

1. Log into your SigFig account and then click on the Managedtab on the left.

2. Click Withdrawon the right hand side of your managed account. You will need to press the small gear to the right hand side of "Add Funds".

3. Enter the amount you'd like to withdraw, click Make Withdrawal and you're done! At this point, our trading team will begin liquidating the amount you have requested. Once liquidated, there is a brokerage required twobusiness day waiting period before any funds can be moved. So expect to see your funds land in your bank account 3-4 business days after you request the withdrawal.

(Note:The amount available is subject to change based on market prices. If you have any questions about this or your balance, absolutely email us at [email protected].)

If you need to link new bank account from the original one you have added, you can add more through the "Settings" screen. All you need to do is click on your username in the upper right and click on "Settings"

Next, just click on Bank information on the far right.

After this, just follow the instructions to link a new bank account. This will let you deposit or withdraw from a different account.

Unfortunately deleting a username is an irreversible act. For security reasons we will not be able to restore your account and the username cannot be used again. However, you can use the same email address to create a new username from the login page.

We support individual, joint and trust accounts along with all IRA types.

Have an old 401(k)? We can help roll it over into an IRA. It's easy for us to manage your existing accounts, just log into SigFig and click the Managed tab at the top of the pageto get started.

We working tosupportactive401(k), 529 plans and corporate accounts,so stay tuned!

Don't worry. It is easy to delete your synced account and doing so will remove all of your data from SigFig's system.

First,Log into your SigFig account and click your username in the upper right hand corner of the screen and select "Settings" from the drop down.

Below your synced account, you will see a button marked "Delete"

Click on this and confirm to complete delete the Synced account.

Don't worry. We have a support team on staff to help you with any problems you might have. If you ever see any problems on the site, always let us know as we are constantly looking to improve our services.

You can reach our support team at [email protected] or at our phone line 855-9SIGFIG. Our hours are 6AM - 6PMPST.

We Respect Your Privacy

Before you dig through the legalese, we'd like to make one thing very clear: We will never rent or sell your personal information. Without trust, we won't have any users, and without users...well, we're out of a job.

Looking for something specific but don't want to dig through the legalese? E-mail us at [email protected].

Nvest, Inc. and its affiliates and subsidiaries, including SigFig Wealth Management, LLC ("we" or "us"), are committed to protecting and respecting your privacy. This privacy policy ("Privacy Policy") sets out our policies and procedures for collecting, using, maintaining, protecting and disclosing information provided to us by you when you access or browse Wikinvest.com ("Wikinvest"), SigFig.com ("SigFig"), other Nvest, Inc. owned and/or operated websites, and our portfolio services on our partner sites (the "Partner Portfolio Trackers") (collectively, the "Sites").

This Privacy Policy applies to information we collect:

On our Sites.

In e-mail, text and other electronic messages between you and us that are related to the services that we is providing you.

Through our mobile and desktop applications, which provide dedicated non-browser-based interaction between you and our Sites.

Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. This Privacy Policy governs your use of our services and by accessing or using our Sites you agree to this Privacy Policy and you consent to the collection, transfer, processing, storage, disclosure and other uses described in this Privacy Policy. If you do not agree with our policies and practices, your choice is to not use our Sites. For purposes of compliance with the Gramm-Leach-Bliley Act (the "GLB Act"), this Privacy Policy shall serve as both your initial and annual "privacy notice" as defined under the GLB Act.

If you have any questions or concerns regarding this statement, you should contact us at [email protected]

Information Collected by Us

We collect user-submitted account information by which you may be personally identified, such as name, email address, and profile photo and by which you may be contacted online or offline with notifications related to the use of the services offered by the Sites ("personal information"). We maintain information you submit in your profile on the Sites, and we also collect user-submitted content about companies and investing and other information. We collect information from you when you send us feedback as well. Some information collected is not explicitly submitted by the user. Examples of such information include (but are not limited to): browser-type related information, IP address, requested URL, referring URL, and timestamp. See "Use of Cookies and IP Address" below. If you choose to use our portfolio tracker service, we also collect your brokerage account login credentials provided by you and information about your holdings in those accounts for the purpose of providing the services.

Additional Information Collected for Operations for the Paid Service

We may collect additional information provided by users in conjunction with the our services in order to rebalance user accounts in line with brokerage firm security requirements including:

Social Security numbers and financial account numbers

Account balances and transaction information

Income and employment information

We may collect other information from you during your use of the paid service. For example, if you sync your financial institution to the paid service, your financial institution may provide us with information about you and your account to facilitate our ability to provide our services to you and to reduce the amount of data you need to enter. The information we collect may include but is not limited to your name, age, salary, financial account information including financial institution, contributions, investment holdings and preferences, and contact information.

We keep records of our advisory service, which may include but are not limited to records of the advice that we provide to you, your use of our services, and your communications to us about our services.

Blogs, Forums, and Wikis

If you use a blog, forum, wiki, or other publicly published content product on our Sites, you should be aware that any personal information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these forums.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To present our Sites and its contents to you.

To provide you with information, products or services that you request from us.

To fulfill any other purpose for which you provide it.

To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

To notify you about changes to our Sites or any products or services we offer or provide through our Sites.

To display for you information, such as your full name, profile photo and any personal information you have included in your profile, primarily in conjunction with any content you have contributed.

To respond to your feedback or inquiries.

In any other way we may describe when you provide the information.

For any other purposes with your consent.

In addition, part of the Wikinvest service is a real time feed that displays user activity. For example, if you post an article, a streaming notice may be posted about that activity or the activity of other users. This is part of the Wikinvest service available at www.wikinvest.com and Wikinvest users may not opt-out of this functionality.

Your full name and email address may also be used when you send an email notification to another user on Wikinvest. We may also use your email address to send you communications from us or messages that we send you on behalf of other users, but you may opt out of receiving emails by changing your email preferences in your profile settings.

We never share your personal information with our advertisers. Our ad targeting is done entirely anonymously. If advertisers select demographic targeting for their ads, we automatically match those ads to the appropriate audience. Advertisers only receive anonymous data reports.

How We Use Information Collected Through the Paid Service

Your personal, investment and forecast information is maintained by us in order to provide you with customized investment services and to fulfill our legal and regulatory requirements. By having more information about you, we are able to customize our services to your particular investment preferences. We may use your brokerage account information in order to rebalance your accounts and keep your accounts in line with the investment preferences that you specified when signing up for the paid service. Data that does not include personal information may be used for research purposes. For instance, we may compile data, excluding personal information, for purposes of demographic analysis and research.

Service-related Announcements

We will send you service-related announcements on the rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

Updating/Accessing Personal Information

If your personal information changes, or if you no longer desire our service, you may correct, update, or delete/remove it by selecting Delete Account on your profile page or by emailing our Customer Support team at [email protected]. We will respond to your request within 30 days. Please note that even if we close your account, we may retain and use your information as necessary to comply with our legal obligations, resolve disputes and enforce our agreements. Please also note that there might be latency in deleting information from our servers and backed-up versions might exist after deletion.

Use of Cookies and IP Addresses

As you navigate through and interact with our Sites, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, including browser-type related information, IP address, requested URL, referring URL, timestamp data, and other information help us diagnose problems with our servers, administer the Sites, and otherwise provide the highest possible level of service to you. In addition, we use this non-personal information to perform statistical analyses of user behavior and characteristics in order to measure interest in and use of the various areas of the site.

Like most websites, the Sites require cookies to function properly. Cookies are small text files that reside on a user's computer and identify you as a unique user. We use cookies to refine our services and simplify the user experience. For example, the use of cookies allows registered users to enter our Sites without explicitly typing in their email address and password every time, and it allows us to personalize your experience on the Sites by, e.g., suggesting articles you may be interested in. For these reasons we tie personal information such as your email address to our cookies. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to deny or accept the cookie feature; however, you should note that cookies might be necessary to provide you certain features (e.g., customized delivery of information) available on the Sites.

We use a tracking utility company that uses cookies and Web beacons on our Sites. We have no access to or control over these third party tracking utilities. We also use cookies in conjunction with Google Analytics Demographics and Interest Reporting in order to better understand our visitors. Google Analytics collects information such as how often users visit our Sites, what pages they visit when they do so, and what other sites they used prior to coming to our Sites. We use the information we get from Google Analytics only to maintain and improve our Sites. Google Analytics does not collect your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personal information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit our Sites, the cookie cannot be used by anyone but Google. Googles ability to use and share information collected by Google Analytics about your visits to our Sites are restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Visitors can choose to opt out using Ads Settings, Ad Settings for mobile apps, or any other available means including Google Analytics' opt out tool.

Advertising and Partner Sites

We use third-party advertising companies to serve ads when you visit the Sites. These advertising companies may use certain information (not including your name, address, email address, or telephone number) about your visits to the Sites, partner sites and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your options regarding the use of this information by these advertising companies, click here.

In addition, if you use the Partner Portfolio Trackers, we may also share certain information about you with our partners, such as "top ticker" data and watchlist holdings, which allow the partners to personalize your experience on the site or their mobile apps. We may also share aggregate data with partners (without any of your personal information) to aid in monitoring the effectiveness of our product. Such data could include engagement and retention rates with our services, periodic usage metrics reports.

Unless we have your express permission, we will not share any personal information about you with any advertising companies or with the providers of the advertised goods and services, and these companies will not collect such information on our behalf. If you choose to use these separate goods and services, disclose information to the providers, or grant them permission to collection information about you, then their use of your information is governed by their privacy policies.

Recommendations of Certain Third Parties

We may from time to time recommend third-party broker-dealers and investment advisors to you. If you indicate your interest in learning more about a recommended broker-dealer or investment advisor, we will request your consent to collect information from you, including personal information, for communication to them. The communication of such information to the third- party broker-dealer or investment advisor will be subject to their privacy policy.

Disclosure/Transfer of Information

Some of the information you provide on our Sites is publicly exposed in an aggregated and/or anonymized manner unless otherwise noted. However, except as set forth in this Privacy Policy, we do not sell, rent, share, trade or give away any of your personal information. We do not share your personal information for a third parties' promotional use. We may disclose personal information that we collect or you provide as described in this Privacy Policy:

To our subsidiaries and affiliates.

To contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.

We will disclose information about individual users to governmental or judicial authorities or law enforcement agencies, or to other individuals or entities, in response to subpoenas, court orders, or other legal processes. Further, we may share information in order to investigate, prevent, or take action regarding illegal activities or suspected fraud, or to enforce or apply the terms and conditions of this Privacy Policy.

To fulfill the purpose for which you provide it.

For any other purpose disclosed by us when you provide the information.

With your consent.

To enforce or apply our Terms of Use.

If we believe disclosure is necessary or appropriate to protect our rights, property, or safety or the rights, property or safety of our customers or others.

We reserve the right to transfer your personal information in the event of a transfer of ownership of Nvest, Inc. or SigFig Wealth Management, LLC, such as a restructuring, an acquisition by or merger with another company. In such an event, we will notify you before information about you is transferred and becomes subject to a different privacy policy.

We will notify you when information about you may be provided to third parties in ways other than explained above, and you will have the option to prevent such information sharing.

Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. Our security measures include industry standard technology and equipment to help protect your personal information.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Sites, you are responsible for keeping this password confidential. We ask you to not share your password with anyone.

Unfortunately, the transmission of information via the Internet is not completely secure. Although we take appropriate measures to safeguard against unauthorized disclosures of information, we cannot guarantee the security of your personal information transmitted to our Sites. Any transmission of personal information is at your own risk.

You hereby acknowledge that we are not responsible for any intercepted information sent via the Internet or the circumvention of any privacy settings or security measures contained on our Sites, and you hereby release us from any and all claims arising out of or related to such interceptions of information or circumventions of our Sites.

Customer Preferences and Opt-out Choices

We may also use your information to contact you about our services that may be of interest to you. If you do not want us to use your information in this way, please provide notice to us through one of the following ways:

Adjust your user preferences in your account profile; or

To opt-out of receiving promotional or marketing communications from us at a specific address, you may:

Use the unsubscribe instructions sent by us.

Or Contact us by mail at:

SigFig225 Valencia St.San Francisco, CA 94103

Note: It may take up to 10 business days to process your request post receipt of the request.

Controlling Your Personal Information

You can review and change your personal information by logging into our Sites and visiting your account profile page.

You may also send us an e-mail at [email protected] to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Please note, you should be aware that when you voluntarily disclose personal information (e.g., user name, e-mail address) via reviews, messages, forums, and/or postings on Wikivest, that information, along with any substantive information disclosed in your communication, can be collected and correlated and used by third parties and may result in unsolicited messages from other posters or third parties. Such activities are beyond our control. Please do not post any personal information on Wikivest that you expect to keep private.

As a registered user of the Sites, you can modify your personal information at any time by accessing the user settings area of Wikinvest or SigFig, as applicable.

Respecting Children's Privacy

Our Sites are not directed to children, and we do not knowingly solicit information from any child under the age of 13. If you are under the age of 13, do not use or provide any information on our Sites or on or through any of its features or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If a parent or guardian becomes aware that his or her child has provided us with personal information without his or her consent, he or she should contact us at [email protected]. Should a child whom we know to be under 13 send personal information to us, we will delete it as soon as possible.

Your California Privacy Rights

Section 1798.83 of the California Civil Code permits users of our Sites that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To request a copy of the information disclosure provided by us pursuant to Section 1798.83 of the California Civil Code, please contact [email protected].

Links

Our Sites may contain links to third party websites to which we have no affiliation. The links are provided on our Sites solely for your convenience and may assist you in locating other useful information on the Internet. Unless you expressly authorize us to do so, we will not share your personal information with such third party websites. These third party websites are not under our control. In using such third party websites please be aware that each third party website is subject to its own privacy policies and is not covered by our Privacy Policy. We make no representation or warranty regarding the accuracy of the information contained on such third party websites, and we disclaims all responsibility relating to or resulting from your use of such third party websites.

Frames and Partner Sites

Our Sites utilize framing techniques to allow users to access content from our Sites, when the user is actually on a third party website. We do this so that you will have a more seamless experience on the third party site. Regardless of our framing techniques, the third party and its website will remain visible and fully accessible, and will be governed by the privacy policy of the third party site, which will appear on those pages.

Conversely, the Partner Portfolio Trackers appear on our partners' websites but are actually offered or hosted by us. The Partner Portfolio Trackers will be clearly marked with our name, and your use of them will be governed by this Privacy Policy.

Modifications to the Privacy Policy

This Privacy Policy may change from time to time. If we make a change to this Privacy Policy that we believe materially reduces your rights, we will provide you with prominent notice on our Sites home page. By continuing to use our services after those changes have become effective, you agree to be bound by the revised Privacy Policy. The date this Privacy Policy was last revised is identified at the top of the Page. You are responsible for periodically visiting our Sites and this Privacy Policy to check for any changes.

Contact

If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy or security concern, please send an e-mail to [email protected].

SigFig225 Valencia St.San Francisco, CA 94103Phone: 1-(855)-9-SIGFIG

"Banklevel" security means SigFig adheres to the same security encryption standards as your bank. They routinely run security audits to ensure we meet these standards at all times. On top of internal audits, VeriSign one of the internets leading online security firms validates SigFigs security.

SigFig also physically protects the servers your information is stored on. To access SigFigs servers, you would first have to bypass roundtheclock guards, then bypass doors with electronic lock systems. The servers themselves are locked behind protective cases and are monitored 24/7 by surveillance cameras. If someone were able to get past all that security and break into a server, they would then have to crack several layers of authentication and military grade 256-bit encryption to access any data.

User data is stored on servers with 24/7 on-site security, the credentials are encrypted, and the database has restricted access. All your login credentials are transmitted by a secure https connection, and we are regularly tested for security by McAfee Hacker-safe.

Please send an email to [email protected] if you have any additional questions or concerns about our security.

We do not nor will we ever sell your personal information. Earning and maintaining your trust is our highest priority and theres no quicker way to lose that trust than by selling your information.

In order to add your Capital One Investing account, you must first create an access code. The details should be included when you try to link your account.

[email protected]

For further instructions, try the steps below.

Log into your Capital One Investing account athttps://www.capitaloneinvesting.com/

Select the "Accounts" tab

Select Profile & Settings" from within the "Overview" drop-down menu.

Select "Create Access Code" under "Personal Finance Access Code" in the right-hand column.

You can then use your username and thisaccess codeto securely import your account with us. Please let us know if you have any questions at

I am afraid that currently you will only be able to see Options in synced brokerage accounts.

We list tickers and prices of the options you own on all synced brokerage accounts. However, you won't seegains, losses or price changes for your options due to a lack of intra-day pricing data. All data will appear only when it is pulled from the brokerage nightly.

We currently don't offer the functionality of tracking options inportfolios you created manually.

Easily manage your email settings on the SigFig site.

1. Log into your SigFig account.

2.Click on your Username in the upper right and select "Settings" from the drop down.

3. Select "Notifications"

4. Flip the switchesfor emails you would like to receive, click Close and you're done!

We will be able to completely delete your full account and information held inside upon request. We will be able to do this from our side if you email us at [email protected] with the request, from the email address that used to set up the account.

Please remember, that once we delete an account we will be unable to restore it. The action is irreversible for security reasons.

Don't worry. We have a support team on staff to help you with any problems you might have. If you ever see any problems on the site, always let us know as we are constantly looking to improve our services.

You can reach our support team at [email protected] or at our phone line 855-9SIGFIG. Our hours are 6AM - 6PMPST.

1. Log into your SigFig account.

2.Click on the Holdings tab to view your portfolios.

3. Selectthe downward arrow to the right of the portfolio (1) and then press Edit Portfolio in the drop down (2).

4. Click "Edit" next to the holding you would like to add a transaction to.

5. Click +Add Transactions to add a new line in the transaction screen (1).

6. Enter in the date the shares were purchased/sold and the shares/cost basis information. If you are showing a sale, enter in the shares as a negative number. In the example below, we are showing a sale of 30 shares.

7. Select "Save Updates" and you're done!

With a SigFig Managed Account, you get:

1. An efficient, well-balanced portfolio using low-cost, commission-free ETFs from Vanguard, iShares and/or Schwab.

2. Daily monitoring and automatic rebalancing if something knocks your portfolio off track. We also automatically balance if you add or withdraw funds in your account.

3. An excellent Customer Supportteam. Reach us by:

- Live Chat on the SigFig site

- Phoneat 1-855-9-SIGFIG

- Email at [email protected]

- An on site financialconsultant for your more in depth investment questions. Free appointments can be set up here

If you already have a Manual Portfolio, you are able to edit and add holdings to this account directly from your app.

To do so, tapon the "Holdings" tab on the topof your screen.

[email protected]

From here, go into the "Edit Portfolios" section of your app. You can do this by tapping the small icon in the upper right.

When you are on the list, tap the portfolio you would like to edit and select "Edit Portfolio" on the screen that appears.

To edit any holding, simply tap the Shares or Total Cost to replace the number. To remove the holding, press the trash iconto remove the entire holding.

And finally, to add new holdings press thelarge red + sign.

When everything is completed, press the SAVE button at the top rightof the screen to save your changes.

And then you are done! If you ever run into any other issues, please feel free to email support at

You can now hide portfolios from your grand total, charts, and widgets if you decide you no longer wish to see this portfolio as part of your total holdings.

To start, tab on the Holdings page in the upper right of the Overview page.

[email protected]

Once you see all of your portfolios, tap the icon to edit your portfolios in the top left of the screen.

Here, you will see all of your portfolios with a red checkmark to left of each name. If you tap this checkmark it will remove the checkmark, which means the portfolio is now hidden. Any portfolios without a checkmark will be hidden until the checkmark is added back in by simply tapping the portfolio again.

If you portfolio does not automatically disappear from your holdings screen, try refreshing your app completely. This should make it be removed from your view.

If you run into any issues, please let us know at