Form ADV- 3

Item 1: Introduction

Intelligent 401K, LLC is an investment adviser registered with the Securities and Exchange Commission offering advisory accounts and services. Brokerage and investment advisory services and fees differ, and it is important that you understand the differences. This document gives you a summary of the types of services and fees we offer. For free and simple tools to research firms and financial professionals, please visit also provides educational materials about broker-dealers, investment advisers, and investing.

Item 2: Relationships and Services

Questions to ask us: Given my financial situation, should I choose an investment advisory service? Why or why not? How will you choose investments to recommend to me? What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?

What investment services and advice can you provide me? We primarily offer the following investment advisory services to retail clients: Robo-advisory portfolio management. Robo-advisory portfolio management accounts are not regularly reviewed by us, save for automated allocation revisions. Clients are encouraged to update us of any change in their objectives, risk tolerance, account access credentials, or other pertinent information.

As part of our standard services, we typically monitor client accounts on a daily basis for rebalancing opportunities. We offer clients discretionary and non-discretionary account services. Investments are primarily limited to ETFs for IRAs and to Plan investments for Employer Plans; we do not limit investments to proprietary products. We do not have a minimum account size. Please also see our Form ADV Part 2A (“Brochure”), specifically Items 4 & 7.

Item 3: Fees, Costs, Conflicts, and Standard of Conduct

Questions to ask us: Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me? What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have? How might your conflicts of interest affect me, and how will you address them?

What fees will I pay? We offer several fixed fee subscription pricing plans. The Robo-advisory portfolio management fees will be invoiced and billed directly to the client, payable in advance by credit card or PayPal on a monthly basis. You pay our fees even if you do not have any transactions and the advisory fee paid to us does not vary based on the type of investments selected. Please also see Items 4, 5, 6, 7 & 8 of our Brochure.

Third Party Costs: Some investments (e.g., mutual funds, variable annuities, etc.) impose additional fees (e.g., transactional fees and product- level fees) that reduce the value of your investment over time. You will also pay fees to a custodian that will hold your assets. Additionally, you will typically pay transaction fees when we buy and sell an investment for your account. You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Please see our Brochure for additional details.

What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have? When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice, we provide you. Here are some examples to help you understand what this means. We have a conflict of interest in that our fee varies by pricing plan, which offers different services. Therefore, there is a service incentive to have Clients join the highest priced plan.

How do your financial professionals make money ? Primarily, we and our financial professionals’ benefit from the advisory services provided to you because of the advisory fees received from you. This compensation may vary based on different factors, such as those listed above in this section . Please see Item 10 of our Brochure for additional details.

Item 4: Disciplinary History

Questions to ask us: As a financial professional, do you have any disciplinary history? For what type of conduct?

Do you or your financial professionals have legal or disciplinary history? No. We do not have legal and disciplinary events. Nevertheless, you can visit for a free, simple search tool to research us and our financial professionals.

Item 5: Additional Information

Questions to ask us: Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?

For additional information on our advisory services, see our Brochure available at and any individual brochure supplement your representative provides. If you have any questions, need additional up- to-date information, or want another copy of this Client Relationship Summary, then please contact us at

Exhibit A – Material Changes to Client Relationship Summary

There are no material changes since the prior Client Relationship Summary.