This document discusses the rise of financial planning and how advisors can better serve clients through a planning approach. Some key points: - Financial planning has increased significantly in recent years, with nearly half of advisors providing planning services in 2017 compared to just over 30% in 2013. - Clients value advisors who understand their needs and goals through financial planning. Those with a formal plan are much happier, and advisors see higher assets and compensation through planning services. - However, many advisors still face challenges in scaling planning services and creating plans efficiently to serve younger, next generation clients. Technology can help streamline the process. - The future of financial planning involves more ongoing, comprehensive conversations centered

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

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

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
Source: Cerulli Associates: The Next Generation of Planning

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
Source: Cerulli Associates: The Next Generation of Planning; Fidelity 2016 eAdvisor Study (Link)

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

6. Maximize Your Investment in eMoney
6
Increase your
firm's
productivity
Help your
advisors succeed
Take advantage
of the latest
product
enhancements
Fully integrate
eMoney into
your practice

7. The Financial Planning Gap
7
Millennial advisors
provide planning advice
to 82.5% of their clients.
82% of millennials
seek financial advice.
82% 82.5%
75% of clients said
their children have
never even met their
financial advisor.
72% of parents say
they are reluctant to
talk to their children
about money.
72% 75%
Source: Schwab MoneyWise Young Adults & Money Survey (Link)
Only 20% of teachers
feel competent to teach
financial literacy.
Only 17 states require
some sort of financial
literacy course.
17 20%

8. Scaling Planning Services to a
Younger Market
How are you going to
serve the next
generation of clients
and how will you
effectively scale your
business to do so?
8
73%of advisors consider the
time it takes to create a
plan a major challenge.
36%of advisors charge a
separate financial
planning fee
53%
feel that clients are
willing to pay for a plan
and find that service
valuable
???
Source: Cerulli Associates: The Next Generation of Planning

9. B RUNCH AND B UDGET
Serving The Next
Generation
9
Established: 2014
Model: RIA
Target Market: Young Professionals
AUM: X Million
Employees: 3
Founder: Pamela Capalad
AT A GLANCE
L O C A T I O N
Brooklyn, NY
V A L U E P R O P O S I T I O N
What would you do tomorrow
if you knew how to handle your
money today?
F E E S
Hourly or Income-Based
Subscription Fee

10. High Tech, High Touch
10
76%of Mass Affluent consumers stated
they would pay a premium for
experiences they feel are valuable.
Source: Synchrony Financial: The Affluent Shopper (Link)

11. S I M O N E T F I N A N C I A L
Providing an Enhanced
Service Model
11
Established: 2013
AUM: $2.5 million
Planning Fee: $3,500 - $5,500
Employees: 1
Founder: Bill Simonet
AT A GLANCE
L O C A T I O N
Kyle, TX
V A L U E P R O P O S I T I O N
Your plan. Your future. Our help.
F E E S
Retainer Fees for Financial Planning
and/or Asset Management Fees

12. 12
The Challenges (and Opportunities)
of Planning
What are the
challenges to
financial
planning?
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
Source: Cerulli Associates: The Next Generation of Planning (Link)

13. HERO N WEALT H
Reimagining a
Business Model
13
Established: 2002
Model: RIA
Target Market:
AUM: 300 Million
Employees: 6
Founder: David Edwards
AT A GLANCE
L O C A T I O N
New York, NY
V A L U E P R O P O S I T I O N
Do you know what your financial
future holds?
F E E S
Financial Planning Subscription Fees
and/or Asset Management Fees

14. 14
The Future of Financial Planning
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
Interactive tools and gamified
workflows to help, easily uncover
a complete picture of each
client’s needs.
Client-Led and Basic Planning
Scalable solutions to serve the
next generation of investors and
create an efficient service model
Compliance and Oversight
Drive decisions with advanced
analytics and streamline
compliance with automated
oversight tools
Advanced Planning
A range of collaborative planning
tools to help clients to
understand the financial impact
of their decisions
Account Opening
Put plans into action
through integrations with leading
custodian platforms.

16. 16
Full Spectrum Planning

17. 17
Simple Planning for your Core Clients
Simple,
Scalable
Planning
Streamline
the
Conversation
Focus
on
Goals
Interactive
&
Engaging
Seamless
planning
across the
client
lifecycle

18. eMoney Comprehensive
Product Offerings
PLANNING
Full Spectrum Planning to address
any stage of the Client Life Cycle
BUSINESS
DEVELOPMENT TOOLS
Robust Tools to Help an Advisor or
Firm Attract and Retain Clients as well
as to Expand Their Book of Business
BUSINESS MANAGEMENT
TOOLS
Tools to Support an Advisor or Firm address
Critical Business Needs
ACCESS
Unlock the Power of the Platform to
create seamless integrations and
custom solutions
PLATFORM
A single integrated wealth management platform on which to build long-term,
interactive client relationships