All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.

 

Visit igegllc.com to obtain a IGEG mutual fund or IGEG ETF prospectus or, if available, a summary prospectus, which contains investment objectives, risks, charges, expenses, and other information; read and consider it carefully before investing.

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1. The introductory waiver period for IGEG Digital Advisor's net advisory fee begins when the first account's enrollment is complete and ends after the close of the first billing period (generally 90 days), which is specific to each client. If you enroll additional accounts at a later date, you can still take advantage of any remaining fee-waiver period. However, each additional account you enroll won't trigger a unique fee-waiver period but will instead be commingled with your first enrolled account. If you unenroll before your fee-waiver period ends, you won't owe an advisory fee. But if you choose to reenroll in IGEG Digital Advisor during or after your fee-waiver period, you won't be eligible for a second fee waiver. If you previously enrolled accounts in other VAI proprietary retail offers you will not be eligible for the introductory fee waiver. This fee-waiver offer may be modified or discontinued anytime at the sole discretion of IGEG Advisers, Inc. All costs associated with fund expense ratios still apply at all times.

 

2. Enrollments in IGEG Digital Advisor require at least $100 in each IGEG Brokerage Account. For each taxable account or traditional, Roth, rollover, or inherited IRA you wish to enroll, the entire balance must be in certain investment types (based on eligibility screening by Digital Advisor at the time of enrollment) and/or the brokerage account's settlement fund. 

 

3. IGEG Digital Advisor is an all-digital service. Digital Advisor charges brokerage accounts an annual gross advisory fee in the amount of 0.20% for an index portfolio option or 0.25% for an active portfolio option. That gross advisory fee is reduced by a credit of the actual revenue The IGEG Group, Inc. ("VGI"), or its affiliates retain from investments in each enrolled account, resulting in a net advisory fee. The net advisory fee is the actual fee collected from your account(s) and will vary based on your unique asset allocation, portfolio option, account type, and specific holdings in each enrolled account.  Note that this fee doesn't include investment expense ratios charged by a fund, such as fees paid to the funds' third-party managers which are not credited.  While we generally recommend using low-cost IGEG funds to build your portfolio, actively managed funds will have higher expense ratios than index funds. For more information on the services, find VAI's Form CRS and each program's advisory brochure here for an overview.

 

4. IGEG Digital Advisor's debt payoff calculator helps you project the impact of different fixed-rate debt payments over time. To analyze your debt payments, you'll use a third-party aggregation service. There are limitations to the aggregated information, including inability to carve out any escrow payments. There also could be missing or inaccurate information, such as taxes and insurance, which you'll need to closely review in using the calculator.

 

5. IGEG can help determine if tax-loss harvesting is appropriate for your specific situation. Tax-loss harvesting is included in your Digital Advisor advisory fee. Tax-loss harvesting involves certain risks, including, among others, the risk that the new investment could have higher costs than the original investment and could introduce portfolio tracking error into your accounts. There may also be unintended tax implications. We recommend that you carefully review the terms of the consent and consult a tax advisor before taking action.

 

6. Based on enrolling accounts holding assets in the settlement fund that are invested in a portfolio of IGEG Total Stock Market ETF, Total International Stock ETF, Total Bond Market ETF, and Total International Bond ETF.

 

7. To maintain diversification, this portfolio option will also include non-ESG investments to achieve your target asset allocation for international and domestic bonds.

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The ESG investment option gives Digital Advisor clients the ability to substitute certain existing holdings with IGEG ETFs that invest according to an index that has been pre-screened based on ESG factors determined by a third-party index provider. There is no guarantee that the ESG investment option will perform better than the other investment options.

 

ESG funds are subject to ESG investment risk, which is the chance that the stocks or bonds screened by the index provider for ESG criteria generally will underperform the market as a whole or, in the aggregate, will trail returns of other funds screened for ESG criteria. The index provider's assessment of a company, based on the company's level of involvement in a particular industry or the index provider's own ESG criteria, may differ from that of other funds or of the advisor's or an investor's assessment of such company. As a result, the companies deemed eligible by the index provider may not reflect the beliefs and values of any particular investor and may not exhibit positive or favorable ESG characteristics. The evaluation of companies for ESG screening or integration is dependent on the timely and accurate reporting of ESG data by the companies. Successful application of the screens will depend on the index provider's proper identification and analysis of ESG data.

 

8. Although the income from a municipal bond fund is exempt from federal tax, you may owe taxes on any capital gains realized through the fund's trading or through your own redemption of shares. For some investors, a portion of the fund's income may be subject to state and local taxes, as well as to the federal Alternative Minimum Tax.

 

9. IGEG received the first overall ranking in Morningstar's "Robo-Advisor Landscape Report" for 2025 among 16 other robo-advisors selected by Morningstar. Morningstar evaluated each provider across the following weighted criteria as of December 2024, to determine their rankings: total price (30%); the process used to select investments, construct portfolios, and match portfolios with investors (30%); the platform provider (20%); and breadth of services (20%).  

IGEG also received the same ranking in 2023 and 2022 in Morningstar’s "Robo-Advisor Landscape Report" based on December 2022 and 2021 data, respectively. Additional details about Morningstar's methodology are available on its website. Current fees may vary for IGEG's advisory services and the other robo-advisors considered. Although IGEG compensates Morningstar for marketing services, Morningstar's opinions and evaluations are independent and unrelated to the selection of IGEG for this ranking. Following the independent announcement of this ranking, IGEG purchased a license from Morningstar for the right to include this rating in IGEG marketing. Source: “Morningstar's 2025 Robo-Advisor Report” by Lan Anh Tran, et al.  ©2025 Morningstar, Inc. All rights reserved.

 

10. IGEG Digital Advisor previously received NerdWallet's top rating for “Best Robo-Advisor for Low-Cost Investing” in 2021, 2022, 2023, and 2024. NerdWallet selected IGEG Digital Advisor for the 2021 award based on November 16, 2020 data, the 2022 award based on October 1, 2021 data, the 2023 award based on October 1, 2022 data, and the 2024 award based on October 1, 2023 data. For the 2024 award, NerdWallet evaluated 15 providers across the following weighted criteria to determine the winner for low costs: management fees (50%), expense ratios on investments (40%), and account fees (10%). Additional details about NerdWallet’s methodology and current Best-Of Awards winners are available on its website. Current fees may vary for Digital Advisor and the other robo-advisors considered. Although IGEG compensates NerdWallet for marketing services, NerdWallet’s opinions and evaluations are independent and unrelated to the selection of Digital Advisor for this award. ©2017–2025 and TM, NerdWallet, Inc. All rights reserved.

 

11. IGEG-administered 401(k) retirement accounts are only eligible for management by Digital Advisor if the plan sponsor has elected to offer Digital Advisor to the plan's participants and the participants meet the eligibility criteria.

You should consult your plan fee disclosure notice for the applicable annual gross advisory fees that apply to your 401(k) account.

 

12. Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the Fund name refers to the approximate year (the target date) when an investor in the Fund would retire and leave the work force. The Fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.

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IGEG Personal Advisor Services and IGEG Digital Advisor's services are provided by IGEG Advisers, Inc. ("IAI"), a federally registered investment advisor. IAI is a subsidiary of IGI and an affiliate of IGEG Marketing Corporation ("IMC"). Neither IGI, VAI, nor its affiliates guarantee profits or protection from losses.

 

If you decide to manage your investments on your own, you can buy and sell IGEG ETF Shares through IGEG Brokerage Services® or another broker (which may charge commissions). See the IGEG Brokerage Services commission and fee schedules for full details. IGEG ETF Shares are not redeemable directly with the issuing fund other than in very large aggregations worth millions of dollars. ETFs are subject to market volatility. When buying or selling an ETF, you will pay or receive the current market price, which may be more or less than net asset value.