The firm’s 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��̳ Engines employees with a broad range of experience and expertise. Most members of the committee have long tenure with 91��̳ 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’s 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��̳ 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’s 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