For advisor or investment professional use only

Austin, TXMay 1-2, 2019

A Look at Envestnet MoneyGuide

For advisor or investment professional use only

MoneyGuide Update 1

Logix Update 2

Future of financial planning 3

Table of Contents

2

For advisor or investment professional use only

• Insurance.• Identity protection.

PROTECTING CAPITAL

• Credit balances, mortgages, loans for education, real estate and business.

MANAGING CREDIT

• Have sufficient long-term investment assets.• Hard assets (real estate, etc.).

INVESTING

• Spend patterns relative to income (where and when).

• Short-term savings.

BUDGETING• Developing plans for short and long-term goals.

PLANNINGPLANNING

BUDGETING

INVESTINGMANAGINGCREDIT

PROTECTINGCAPITAL

Envestnet Financial Wellness Ecosystem

3

For advisor or investment professional use only4

MoneyGuide

Everyone needs and deserves a quality financial plan

5 For advisor or investment professional use only

Goal Based Cash FlowFlexible

Envestnet MoneyGuide

Deliver a financial planning suite that can be tailored to the needs of our client firms, their advisors, and their clients, and is deeply woven into Envestnet’s financial wellness ecosystemto support comprehensive , actionable advice.

For advisor or investment professional use only

Strategy

• Build a tight and seamless integration

• Offer the best of both goals based and cash flow planning

• Connect planning advice with tools to act on advice

6

For advisor or investment professional use only

Advisor Integration

• Existing integration‒ Launch client in MoneyGuide from Envestnet‒ Push accounts into MoneyGuide

• Near term improvements‒ Proposal integration

• Roadmap‒ Two way account sync‒ Household portfolio and risk management

7

For advisor or investment professional use only

Client to client launch

8

For advisor or investment professional use only

Client to client launch

COMING SOON! No need to map account type and owners

9

For advisor or investment professional use only

Proposal Integration – Target 2019

10

For advisor or investment professional use only

Client Portal

• Existing integration‒ Grant access to the plan with your client‒ Includes discovery, conversations, play zone, etc.‒ Controlled from MoneyGuide

• Recent improvements‒ Plan meter on dashboard‒ Load financial plans to document vault

• Roadmap‒ Client initiated planning

11

For advisor or investment professional use only

Share Discovery and Plans

12

For advisor or investment professional use only

Share Discovery and Plans

13

For advisor or investment professional use only

Share Discovery and Plans

14

For advisor or investment professional use only

Share Discovery and Plans

15

For advisor or investment professional use only16

Logix

For advisor or investment professional use only

Logix

17

For advisor or investment professional use only

Recent enhancements

• Recommend indexed and variable annuities and implement through the insurance exchange

• Lump sum pension rollover vs annual pension

• Client alerts to complete digital fact finder

18

For advisor or investment professional use only19

Future of Financial Planning

For advisor or investment professional use only

Human + Machine = Better Outcomes

• How do advisors deliver sophisticated advice with less effort for the client?‒ start simple, use analytics to guide the advisor and client‒ build trust over time‒ proactive touchpoints and advice

20

For advisor or investment professional use only

Human + Machine = Better OutcomesStart simple, build trust

• MoneyGuide Blocks‒ Low commitment, easy to digest modules‒ Incrementally build a complete profile‒ Building blocks to better comprehension and a deeper engagement

21

For advisor or investment professional use only

Human + Machine = Better OutcomesStart simple, build trust

22

For advisor or investment professional use only23

For advisor or investment professional use only24

For advisor or investment professional use only

Human + Machine = Better OutcomesMake the complex simple

• MoneyGuide and Apprise Labs‒ Estate planning and comprehensive cash flow planning that tells a story‒ Real time, tailored content

25

For advisor or investment professional use only

Human + Machine = Better OutcomesMake the complex simple

26

For advisor or investment professional use only

Human + Machine = Better OutcomesMake the complex simple

27

For advisor or investment professional use only

Human + Machine = Better OutcomesMake the complex simple

28

For advisor or investment professional use only

Human + Machine = Better OutcomesMake the complex simple

29

For advisor or investment professional use only

Actionable Advice

• Spending• Credit• Investments• Protection

30

For advisor or investment professional use only

401k$750,000

IRA$200,000

Joint$50,000

Retirement Travel

College

Target: Moderate (60/40)

Household Portfolio

For advisor or investment professional use only

Household Portfolio

32

401k$750,000

IRA$200,000

Joint$50,000

Current

60/40

30/70

Equity

40/60

Proposed

Equity

30/70

Equity

48/52

Target

60/40

For advisor or investment professional use only

Household Portfolio

33

Define•Household target portfolio

Construct

•Real world constraints•Asset Location Optimization

Open

•Open accounts with different risk targets•acknowledge constraints and account targets in context of HH

portfolio

Monitor

•Monitor and manage account specific risk•Monitor household risk

Review

For advisor or investment professional use only

For more information

Please visit the Envestnet Planning kiosk in the Exhibit Hall to chat with Envestnet experts about our financial planning solutions.

Upcoming Envestnet Technology sessions:• The Evolution of Envestnet’s Trading Features @

10:30 AM• Apprise Labs: The Next Generation

Presentation Experience @ 1:15 PM• Open ENV Integrations and Updates @ 1:15 PM

34

Connect with us using the Advisor Summit mobile app and

on social media using the #ENVSummit hashtag!

For advisor or investment professional use only

Questions?

3535

For advisor or investment professional use only

Austin, TXMay 1-2, 2019

For advisor or investment professional use only

Thank You

For advisor or investment professional use only

Disclosure

The information, analysis, and opinions expressed herein are for general and educational purposes only. The services andmaterials described herein are provided on an “as is” and “as available” basis, with all faults. Any illustrations herein do notrepresent client information or actual investments. Envestnet disclaims all warranties, express or implied, including, withoutlimitation, warranties of merchantability or fitness for a particular purpose, title, non-infringement or compatibility. Envestnetmakes no representation or warranties that access to and use of the internet while utilizing the services as described hereinwill be uninterrupted or error-free, or free of viruses, unauthorized code or other harmful components. Envestnet reserves theright to add to, change, or eliminate any of the services and/or service levels listed herein without prior notice.

Nothing contained in this presentation is intended to constitute legal, tax, accounting, securities, or investment advice, nor anopinion regarding the appropriateness of any investment, nor a solicitation of any type. All investments carry a certain risk,and there is no assurance that an investment will provide positive performance over any period of time. Investment decisionsshould always be made based on the investor's specific financial needs and objectives, goals, time horizon and risk tolerance.

This presentation refers to information products or services that may be in development and not yet available. Accordingly,nothing in this presentation should be construed as a representation or legal agreement by Envestnet to make availablespecific products or services (including, without limitation, concepts, systems or techniques.)

FOR INVESTMENT PROFESSIONAL USE ONLY. NOT FOR DISTRIBUTION TO THE GENERAL PUBLIC.

37