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*Edelman Financial Engines does not recommend that its clients invest in crypto assets. Crypto assets are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC) or any other public or private insurer, including against cyber theft or theft by other means. Cryptocurrency activity is not a regulated activity in many States. The value of crypto assets can be extremely volatile and unpredictable, which can result in significant losses in a short time,  including possibly a loss of total value. The price and liquidity of crypto assets has been subject to large fluctuations in the past and may be subject to large fluctuations in the future. Buying and selling crypto assets is inherently risky. The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency, which may result in the potential for permanent and total loss of a value of a particular virtual currency should the market for that virtual currency disappear.