Here are some frequently asked questions (FAQs):

1. Question: How do I get started? Answer: Once you have registered, you login and answer the questions on the Estimate Retirement Savings page. When you say how many years you will be investing, the page calculates the possible improvements in your return if you respond to our alerts.
2. What happens next? Answer: When you receive an alert that our model indicates a change in market conditions, contact your broker or investment advisor concerning possible allocation changes.
3. What if I do not have a broker or advisor? Answer: If you are managing your account independently, you, not a broker, make the allocation adjustments.
4. Are results guaranteed? Answer: No specific result is guaranteed, because users and brokers can differ in when and how they take action. The predicted results show how alerts help you do better than would be predicted when the market is moving up, and lose less than would be predicted when the market is moving down.
5. Question: How can advisors and brokers provide SmarterAllocations to their clients? Answer: Register as a Broker/Advisor. The charge for Broker/Advisors is $99.95/month (3 month minimum, first month free) for your end-user subscription. You also receive up to 10 end-user subscriptions for your clients. Additional client subscriptions can be purchased for $10/month.