Future Capital's fiduciary role varies by product offering:

1. Core Platform: When financial advisors use the Core turnkey solution, Future Capital acts as the fiduciary for held-away 401(k) assets. This broker-dealer friendly option allows advisors to refer clients while Future Capital takes on the fiduciary responsibility.
2. Construct Platform: For hands-on advisors who want complete control, the advisor acts as the fiduciary while Future Capital provides the technology and support. In this model, Future Capital is not serving as a fiduciary.
3. Managed Account Service: For retirement plan advisors, Future Capital provides personalized advice directly to plan participants, acting as a fiduciary in this relationship.

This flexible approach allows Future Capital to support different advisory business models while maintaining appropriate fiduciary relationships based on the specific service offering and regulatory requirements.

Accounts are typically adjusted every quarter. Future Capital may also make adjustments to your account to reflect market conditions or portfolio fund changes and will notify you when these situations occur.

You can access your retirement account at any time through our dashboard, where you can adjust your investment strategy and track how you're performing. You'll be able to see exactly how your money is allocated within the funds that are available to you through your retirement plan.

There are always opportunities for success, but it could take a lot of time and discipline to achieve the same results as dedicated investment professionals. Future Capital has the staff, services, and technology to help you reach your retirement goals by focusing on investing so you don’t have to.

For information about your fees, please see ADV Part 2A.

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Future Capital integrates directly with the financial institution that is the provider of your retirement account. We initiate trades on your behalf to make sure that you’re invested in the optimal funds available to you through your retirement plan.

Future Capital provides retirement account management through different service models to meet your specific needs:

For Individual Investors (Managed Account Service):Access our no-cost Retirement Analysis in under 5 minutes through your employer's plan portal or by clicking "Get Started" on our website. After completing your assessment, you'll receive professional portfolio management tailored to your retirement goals, ongoing investment oversight, and access to our Retirement Planners for personalized guidance.

For Clients of Financial Advisors:Your financial advisor partners with Future Capital to manage your held-away 401(k) assets through one of two approaches:

• Core Platform: Future Capital provides direct management services, including professional research on available fund options, appropriate portfolio construction, and ongoing maintenance.
• Construct Platform: Your advisor maintains discretion over your investment strategy while using Future Capital's specialized technology to implement their recommendations.

Each service model is designed to ensure your retirement assets receive appropriate attention and management while coordinating with your overall financial plan.

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Why Future Capital?

Future Capital brings over 20 years of specialized retirement experience to help you navigate the complexities of 401(k) management. Here's why investors choose our services:

For Individual Investors (Managed Account Service):

• Professional management of your retirement account tailored to your age, risk tolerance, and retirement goals
• Access to experienced Retirement Planners who provide personalized guidance
• Regular portfolio adjustments and rebalancing without you having to monitor market changes
• Comprehensive research and investment strategies typically reserved for high-net-worth individuals
• Clear, straightforward approach to retirement planning that helps you make informed decisions

For Clients of Financial Advisors (Core Platform):

• Specialized 401(k) support complementing your advisor's comprehensive financial planning
• Coordination between your retirement accounts and overall investment strategy
• Professional oversight ensuring your held-away assets receive appropriate attention
• Regular portfolio maintenance aligned with your financial goals

For Construct Platform Clients:Please speak with your financial advisor about how they're using Future Capital's technology to manage your retirement assets.

We believe everyone deserves clear, professional guidance for their retirement planning. Future Capital helps deliver exactly that—whether directly or through your trusted financial advisor.

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