The document discusses how the financial planning industry is evolving. It notes that demand for financial planning services from clients is increasing, with nearly half of advisors' clients receiving comprehensive ongoing planning by 2017, up from around a third in 2013. Providing financial planning is beneficial for advisors, leading to higher assets under management and compensation. However, there is still a gap in financial literacy and planning, especially among younger generations. The document profiles several financial planning firms that are targeting different markets and implementing different business models and technology solutions. It suggests that in the future, comprehensive ongoing planning will become more common, digital planning tools will replace paper plans, and an integrated technology stack will be important for advisors to improve efficiency and differentiation.

1. REDISCOVERING YOUR VALUE
Through Financial Planning
Jessica Liberi
Head of Product, eMoney Advisor

2. The Pressures of a Changing Industry
2
Push to Planning
Technology
“disruptions”
Evolving investor
expectations
Changing fee
structures
Increased
Regulations

3. 3
In 2013, advisors offered
comprehensive ongoing
planning advice to 32.9%
of their clients.
More than half (55%) of
investor households value
an advisor who takes the
time to understand their
needs, goals, and risk
tolerance.
of advisors agree that
client demand for
planning is increasing.
55% 64%
The Rise of Financial Planning
By 2017, that number
has risen to nearly half
(49.6%)
32.9%
2013
49.6%
2017

4. The Pull to PLANNING
financial planning specialists consider stronger client
relationships a major benefit of financial planning.
4
Clients with a formal financial plan were
seven times happier than those without.
Advisors who provide financial planning services to their
clients were found to have 40% higher AUM and 14
percent higher compensation.
93%
40%
7X

5.  Solid Web Presence
5
 Systematized Process, Personal Experience
 Emotional Value Proposition
 Full Spectrum Planning
 Integrated Tech Stack

6. The Financial Planning Gap
6
Only 20% of teachers
feel competent to teach
financial literacy.
75% of clients said
their children have
never even met their
financial advisor.
Millennial advisors
provide planning advice
to 82.5% of their clients.
Only 17 states require
some sort of financial
literacy course.
82% of millennials
seek financial advice.
55.7% are interested in
viewing and updating their
financial plan online.
72% of parents say
they are reluctant to
talk to their children
about money.
17 20% 82%
55.7% 82.5% 72%
75%

7. B RUNCH AND B UDGET
Serving The Next
Generation
7
Established:
Model: RIA
Target Market: Young Professionals
AUM: X Million
Employees: 3
Founder: Pamela Capalad
TECH STACK

8. S I M O N E T F I N A N C I A L
Providing an Enhanced
Service Model
8
Established: 2013
AUM: $2.5 million
Planning Fee: $3,500 - $5,500
Employees: 1
Founder: Bill Simonet
TECH STACK

9. HERO N WEALT H
Reimagining a
Business Model
9
Established: 2002
Model: RIA
Target Market:
AUM: 300 Million
Employees: 6
Founder: David Edwards
TECH STACK

10. 10
Tech stack:
eMoney
CRM
Custodian
Reporting
Established: 2002
Model: RIA
Target Market:
AUM: 300 Million
Employees: 6
Founder: David Edwards

11. When asked what are the challenges to Financial
Planning:
• 73% say planning is too time consuming for
certain clients
• 72% say a new plan is long and tedious
• 63% say their technology is not integrated
• 67% say delivering a plan is not a challenge
• 53% say clients are willing to pay for a plan
11

12. Established in 1966
Operates 21 full-
service locations
Manages $6 billion in
assets
12

13. 13
Tech stack:
eMoney
CRM
Custodian
Reporting
Established: 2002
Model: RIA
Target Market:
AUM: 300 Million
Employees: 6
Founder: David Edwards

14. 14
• Needs based planning conversations will give way to more
comprehensive, ongoing planning
• Paper plans will continue to lose out to digital interfaces
• Collaborative, digital tools will become essential
• Differentiation will be difficult and contentious
• A full spectrum of planning capabilities will be a must
• An integrated tech stack will improve margins

15. The eMoney Advantage
Wealth Management Tools to Support the Entire Customer Journey
15
Prospecting and Marketing
Efficient tools to help your
advisors build their businesses
and retain existing clients
Gathering and Migrating Data
APIs to enable seamless data
migration and fully integrated
account aggregation for an easy
onboarding experience
Client Needs Assessment
APIs to enable seamless data
migration and fully integrated
account aggregation for an easy
onboarding experience
Client-Led and Basic Planning
APIs to enable seamless data
migration and fully integrated
account aggregation for an easy
onboarding experience
Compliance and Oversight
APIs to enable seamless data
migration and fully integrated
account aggregation for an easy
onboarding experience
Advanced Planning
APIs to enable seamless data
migration and fully integrated
account aggregation for an easy
onboarding experience
Account Opening
APIs to enable seamless data
migration and fully integrated
account aggregation for an easy
onboarding experience

16. 16

17. 17
Simple Planning For Your Core Clients
An intuitive, goal-centric, financial planning workflow that gives you the ability to
deliver holistic plans to your core client base, quickly and at scale.
STREAMLINE THE CONVERSATION
A straightforward, guided planning workflow – from data
gathering to plan output – that results in efficient and
effective client conversations
FOCUS ON GOALS
Goal-centric conversations that result in a holistic plan
that includes a net worth review, insurance, asset
allocation, and more.
INTERACTIVE & ENGAGING
Collaborate with your clients, building plans together,
making real-time adjustments to reflect their needs, and
reviewing the output interactively.
SIMPLE, SCALABLE PLANNING
Deliver high-level financial planning capabilities across
our client base with easy-to-create, easy-to-understand
plans.
SEAMLESS PLANNING ACROSS THE CLIENT LIFECYCLE
Built on the same engine that powers our Advanced
Planning tool, Core planning clients can easily be
transitioned to more comprehensive tools as their financial
situations evolve

18. 18
Summary Slide?