Interactive Financial Planning by Empyrion Wealth Management

Your Interactive Planning and Investing Experience

Picture a world in which you had the power to choose your own financial future. What if you could secure your wealth against unexpected events before they actually happened? What if you could see the impact of your financial decisions in real time, in one central place? You no longer have to ask “what-if” — because with EWM Digital Planning and EWM Digital Investing, you can.

EWM Digital Interactive Financial Planning Software by Empyrion Wealth Management

TOOLS TO CONNECT, ORGANIZE AND MANAGE

Your Entire Financial Life

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.

Think about your future: What’s on your bucket list? What does life look like for you and your family? EWM Digital Planning allows you to 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, which may include:

◆     Early Retirement

◆     Business Succession

◆     Financing a College Education

◆     Funding Parental or Long-Term Care

◆     Coordinating Estate Planning and Multigenerational Wealth Transfer

Where is your money going every month? Are you saving enough to meet your goals? How much is enough, anyway? EWM Digital Planning helps you monitor — and better manage — your daily cash flow, uncover your spending patterns, and make improvements so you can stay on track with your long-term financial plan and savings goals. You’ll benefit from:

◆ A complete snapshot of your daily transactions across all of your financial institutions.

◆ Customizable spending categories that allow you to get a realistic picture of your expenses.

◆ A budget-builder based on your spending history and cash flow patterns, allowing you to plan for future purchases.

 

Grounded in disciplined investment techniques, the EWM Digital Investing platform is designed to optimize take-home returns for each level of risk. 

To accomplish this, our core portfolio strategy invests in low-cost, exchange-traded funds (ETFs), employing methods that tilt toward value and smaller capitalization stocks. Sophisticated technology is incorporated into every aspect of our investment process. It’s technology, too, that allows our team to manage portfolios efficiently, using cash flows intelligently to reduce unnecessary transactions while keeping investments balanced appropriately.

EWM Digital Investing helps us put you front and center. It starts by helping to make it easy for you to stay on track for each goal you identify. The platform’s intuitive interface allows you to aggregate all of your investment accounts — so that you can see everything in one place. With our flexible mobile experience, you can keep on top of your investments no matter where you are.

Simplified Investing

MONITOR YOUR PROGRESS

Investing is now easier than ever before and (dare we say it) kind of fun.
With your EWM Digital Investing platform, you’ll:

See all of your investment goals in one place

Always know how your investments are performing

GAIN ACCESS TO INDUSTRY-LEADING FUNDS

We are proud to use mutual funds managed by Dimensional Fund Advisors.
Highly regarded family of funds

More than three decades of history in the industry

$580 billion in assets under management

A DATA-DRIVEN APPROACH, SIMPLIFIED

Technology enables us to screen and select investments in a rigorous and efficient manner.
Crunching millions of data points to identify the most appropriate investments for our strategy ensures your money remains as fully invested as possible and that dividends are automatically reinvested

Tax Efficient

With your EWM Digital Investing platform, you can reduce the impact of taxes on your wealth through various techniques, including tax lot sorting and asset allocation.
Taxes can take a significant bite out of investment returns. With your EWM Digital Investing platform, you can reduce the impact of taxes on your wealth through various techniques, including tax lot sorting and asset allocation.

Asset Types and holdings

How to reach your destination


Use EWM Digital Investing to review the asset types and holdings that make up your investment accounts, so you always know how they are allocated.

Account Aggregation and Review

On a monthly basis, EWM Digital Investing records your investment account balances
This allows you to easily track if their value has gone up or down over specific periods of time. Your account holdings update with market conditions throughout the day, allowing you to keep a pulse on the current value of your investments.

Plan, Test, Invest

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:

First, Prioritize

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.

What's the Timing?

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.

Are You on Track?

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.

Make Data-Driven Decisions

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.

Ready to Invest

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.

Keep It Simple

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.

You've Got This

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.

It Takes 5 Steps

How to Get Started

Step 1
Determine Your Service Level:

Get What You Need, When You Need it.
Step 2
Receive your Invitation Link.

Register For Your Services.
Step 3
Connect and aggregate your core financial accounts.
Step 4
Upload important documents and make the portal your own.
Step 5
Watch your financial picture come to life.

Available integration of EWM Digital Investing And EWM Digital Planning.

Pricing

EWM
DIGITAL

$ 79/month for a minimum of
12 months after
$250 initial payment
  • Secure Personal Financial Website
  • DIY Goals-Based Financial Planning
  • Connect and Organize Financial Accounts
  • Online and Mobile Dashboard
  • Automate Budgeting and Monitor Spending
  • Project Your Balance Sheet & Net Worth
  • Manage and Analyze Cash Flow
  • Track and Evaluate Investments
  • Analyze Savings & Withdrawals
  • Secure Document Vault
  • Digital Quarterly Market Updates

EWM Digital
Planning

$ 3750/year 1* includes 12 months
access to EWM Digital platform**
  • All the benefits of EWM Digital, plus:
  • Your Personalized Financial and Retirement Plan — Recommendations, Action Plan and Guidance
  • Analyze Your Pre-Retirement Readiness
  • Tax Analysis & Planning
  • Investment Analysis and Planning
  • College and Education Expenses Analysis
  • Estate Planning, Trust and Survivorship Needs
  • Insurance Gap Analysis
  • Stock Options/Grants Analysis & Planning
  • Annual Review Meeting with an EWM Advisor
  • Collaborate and Share Reports with Your Professional Team — CPA, Lawyer, Estate Planner, Insurance Agent
  • Email Support
  • *50% of fees collected at sign-up. Balance due at delivery of financial plan. Covers up to 20 hours provided by a CERTIFIED FINANCIAL PLANNER™ professional. See service agreement for more details. **12-month EWM Digital portal access begins at sign-up. After 12-months of service, continued EWM Digital Planning service available with an annual fee paid monthly at $99 per mo.

EWM Digital
Investing

$ Fee-only fees are based on
investable assets
  • .89% of assets under management for investments <$1M
  • Access to Dimensional Fund Advisors (DFA) mutual fund investment strategies
  • Available to investors with assets under management up to $1M
  • Modern, intuitive technology to enhance your investment experience
  • Goals-based platform that allows you to see all your financial goals in one place and stay on track for each goal you identify
  • See your entire portfolio with the ability to aggregate accounts
  • Robust use of automated techniques that can help boost your investment returns
  • Automated tax-loss harvesting program
  • Paperless process makes sign up easy

FAQs

What Else Would You Like to Know?

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.

 

 

ARE YOU READY?

Let's Make a Plan

Contact us to schedule your
EWM Digital session.

Make a Customized Financial Plan Online with Empyrion Wealth Management
Empyrion Wealth Management (“Empyrion”) is an investment advisor registered with the U.S. Securities and Exchange Commission under the Investment Advisers Act of 1940. Information pertaining to Empyrion’s advisory operations, services and fees is set forth in Empyrion’s current Form ADV Part 2A brochure, copies of which are available upon request at no cost or at www.adviserinfo.sec.gov. The views expressed by the author are the author’s alone and do not necessarily represent the views of Empyrion. The information contained in any third-party resource cited herein is not owned or controlled by Empyrion, and Empyrion does not guarantee the accuracy or reliability of any information that may be found in such resources. Links to any third-party resource are provided as a courtesy for reference only and are not intended to be, and do not act as, an endorsement by Empyrion of the third party or any of its content. The standard information provided in this blog is for general purposes only and should not be construed as, or used as a substitute for, financial, investment or other professional advice. If you have questions regarding your financial situation, you should consult your financial planner or investment advisor.

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