TOOLS TO CONNECT, ORGANIZE AND MANAGE
EWM Digital is an online platform that allows you, as a do-it-yourselfer, to manage your financial wellness and make goals-based decisions for your future.
EWM Digital Planning allows you to dig deeper and try out a range of life scenarios, see the real-time impact of your choices, and assess the risks of what-if events on your ability to achieve your objectives.
With EWM Digital Investing, you’ll benefit from algorithmic rebalancing and a variety of tax-reduction techniques — including lot sorting and asset allocation — to help boost your returns and keep you on track toward achieving your financial goals.
The result? A more powerful way to manage and monitor your investment portfolio and financial picture, and collaborate with your advisor at the right pace.
◆ Early Retirement
◆ Business Succession
◆ Financing a College Education
◆ Funding Parental or Long-Term Care
◆ Coordinating Estate Planning and Multigenerational Wealth Transfer
You have distinct values, ambitions, and priorities for your wealth. And that’s exactly where your EWM Digital Planning and Investing experience starts — with what matters most to you.
Before we design your financial and investment plan, we’ll establish and document your short-and long-term goals. Here’s an overview of the process:
Think about your ideal financial future: What are the big milestones in front of you? Together, we'll take a look at where you stand, outline what you want to achieve, and then strategize how you will get there with specific action steps.
When you give yourself a time frame for achieving your goals, you hold yourself accountable. Is your time frame realistic? Do you need to shift your course? We'll provide answers to your pressing questions and set a clear path toward the finish line with defined results.
EWM Digital Planning not only helps you define your goals; it also monitors your progress and ensures you stay on the right path. Add your goals to the site and designate accounts to fund them. As time goes on, you can continually gauge how far you've come and how far you need to go.
Put your financial plan to the test. We'll run stress-tests against prospective risks and trade-offs and unexpected life events to make sure your strategy is built to last and puts you in the best position to achieve your objectives.
By managing your accounts for a single goal as a single portfolio through the EWM Digital Investing platform, we recommend which assets are held in each account to reduce taxes. EWM Digital Investing’s algorithms are built to use each dividend and deposit to consider the location of the assets and rebalance your account efficiently - reducing unnecessary taxes.
When your advisor’s expertise is backed by the power of forward-thinking technology, you experience ease and efficiency. EWM Digital Planning and Investing come equipped with built-in features that give you an instant and in-depth understanding of where you stand, plus an opportunity to put your plan into action to achieve your goals with options that meet you where you are.
From your personal bank to your retirement fund, aggregate all of your accounts for a seamless, real-time view of your financial picture. Critical data, reports, and recommendations will reflect current market conditions and offer a detailed look at where you stand — and how far you need to go. EWM Digital Planning and Investing have got you covered.
As life gets more complicated, so do your finances. With EWM Digital Planning and Investing, you’ll get a snapshot of your financial progress, plus alerts and reminders about any new developments or factors that could affect your ability to meet your goals and objectives. From your spending patterns to net worth, receive up-to-date information about your financial plan, so you can see if you’re on target and make changes if needed.
Below, you will find some of the more popular questions clients ask us about the EWM Digital platforms. For comprehensive, how-to guides with all of the information you need to start using the EWM Digital tools, please click here.
You can feel confident knowing you’re investing with technology that is completely secure. Your EWM Digital Investing platform follows an information security program that employs practices such as strong encryption techniques, multi-factor authentication, and robust fraud protection mechanisms, to protect your sensitive personal and financial information. We value your privacy and will never share your information with any third party without your permission.
Portfolio rebalancing, when done effectively, can help manage risk and keep you on track to pursue the expected returns you want to reach your goals. Over time, the value of individual ETFs in a diversified portfolio move up and down, drifting away from the target weights that help achieve proper diversification. Over the long term, stocks generally rise faster than bonds, so the stock portion of your portfolio will likely go up relative to the bond portion—except when you rebalance the portfolio to target the original allocation. The difference between the target allocation for your portfolio and the actual weights in your current portfolio (e.g. your actual allocation) is called portfolio drift.
We define portfolio drift as the total deviation of each asset class (put in positive terms) from its target allocation weight, divided by two. A high drift may expose you to more (or less) risk than you intended when you set the target allocation, and much of that risk may be uncompensated—meaning that the portfolio isn’t targeted higher expected returns by taking on the additional risk.
Taking actions to reduce this drift is called rebalancing, which Betterment automatically does for you in several ways, depending on the circumstances, and always with an eye on tax efficiency.
EWM Digital provides a summary of your entire portfolio as well as a more detailed look into your individual accounts. Account details include individual holdings, value, asset types, net change in value over time and transaction history.
Yes — you have the option to create your own budget manually or to create an auto-budget using the last six months of spending data.
EWM Digital comes equipped with advanced security features and protocols to keep your data safe, private and secure at all times. Our comprehensive security measures include password protection, Secure Socket Layer (SSL) encryption, firewalls, intrusion detection, audits, inspections and more.
Yes — you can receive alerts via the web and email about the various different types of activity that may occur in your accounts, including large deposits, withdrawals, low balances, fees and more. You can customize your alerts by navigating to Settings > Alerts.
Asset allocation strategies are designed to place high-tax assets in tax-advantaged accounts and low-tax assets in non-tax-advantaged accounts, all while maintaining a targeted, goals-based asset allocation. This approach helps your money incur fewer taxes than it would otherwise, which means you could have more money in retirement.
Deposits into investing goals generally complete in 1-2 business days. They typically invest on the next market day if the deposit was made before 11PM EST.
Markets are generally open Monday through Friday, 9:30 a.m. to 4:00 p.m., but are closed for certain market holidays. Transactions can also be delayed by bank holidays.
If you have an auto-deposit scheduled on the weekend, it will invest the following Tuesday. This is done to avoid potential overdrafts to your bank account and allow you an additional day to cancel your auto-deposit. You’ll receive an email the day before your auto-deposit is set to transfer from your bank account as a reminder.
We do not guarantee specific execution timelines. We avoid trading on or around market open or close, as markets have historically been more volatile during this time. Pending wait times are imposed by banking and market rules and cannot be sped up by EWM Digital Investing.
After you register for your website, you will receive a confirmation email with your username and a link to access the site via your mobile device. Open this email on your mobile device and click on the link. Next, click the Add to Home Screen button or create a mobile bookmark for quick access.
To collaborate with your EWM advisor in real time, click the Screen Sharing link in the bottom-right footer of your website and provide your advisor with the session code. If your advisor initiates the session, simply enter the code they provide you.
Your Vault is a secure and simple way to store, organize and access important documents relevant to your financial plan, including legal documents, medical records, insurance policies, tax information and more. In addition, your advisor may recommend specific documents to upload.
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