your personal financial website best practices for using

Best Practices for Using Your PFM Site

YO U R P E R S O N A L F I N A N C I A L W E B S I T E

Your personal financial management (PFM) site offers a real-time, 24/7 view into your complete financial picture. As you are getting set up on your PFM, follow these tips to help you get the most out of this resource.

H O M E S C R E E N

Here you'll see a holistic picture of your financial health at a glance. The tiles on this page offer a snapshot into each section of the site, which you can drill down into for more information.

O RG A N I Z E R

Consolidate all your important financial information in one place. Start by connecting your financial institutions in the "Accounts" section of the Organizer in order to get an updated view into your accounts and investments in real-time. Next, add in your goals and financial priorities and personalize your site by adding photos and important milestones.

G OA L S

Easily add goals, track your progress toward funding those goals, and visualize how your goals impact your long-term financial outlook.

S P E N D I N G

Access the Spending tab to see where your money is going each month, establish a budget to manage your expenses, and make adjustments based on actual spending, saving and investment data.

I N V E S T M E N T S

Monitor your investment performance and asset allocation. Make sure to first connect all your investment accounts so you can get an accurate picture of your finances.

VAU LT Upload your important documents for safe keeping and easy access when you need them. Protected by the highest level of encryption in the industry, private folders provide a secure location to store sensitive files, while shared folders enable you and your advisor to easily share and access important documents for review.

The VaultYO U R P E R S O N A L F I N A N C I A L W E B S I T E

At a moments notice, can you or your family members locate your most important files such as tax returns, wills, passports and birth certificates? With the Vault, you can. The Vault is a secure digital document storage repository. Using the Vault, you and your advisor can exchange confidential documents, collaborate on financial plans, and share personal data easily and securely.

SA F E & S EC U R E

Your Personal Financial Website employs advanced security features and protocols to keep your data safe, private, and secure at every hour of every day, year round. Our comprehensive security measures include password protection, Secure Socket Layer encryption, firewalls, intrusion detection, audits, inspections, and more.

P E AC E O F M I N D

With one, centralized and organized location to store all of your important financial documents and files, you and your family will always know where important documents are in times of need.

ACC E S S A N Y W H E R E , A N Y T I M E

The Vault is accessible from any device so you can review, upload or retrieve your documents from wherever you are.

F I L E S H A R I N G OV E R S I G H T

Upload files into the Shared Documents folder to make them accessible to your advisor or keep files private and visible to only you by adding them to the My Documents folder.

L E G A L D O C U M E N T S

o Wills

o Deeds

o Revocable & Irrevocable Trusts

o Power of Attorney

o Codicils (Supplements made to a Will)

o Living Wills/Health Directives

o Prenuptial Agreements

o Buy/Sell Agreements

o Contracts

B E N E F I T S

o Social Security Info

o Veteran’s Administration Info

o Employment Benefits

I N S U R A N C E P O L I C I E S

o (Life, LTD, Disability, Medical, Car, Property)

B A N K & I N V E S T M E N T S TAT E M E N T S

o Pensions, IRAs, Annuities, etc.

o Investment Accounts

o Stock Options/Certificates

L I A B I L I T I E S

o List of Credit Cards with Contact Information

o Mortgages

o Loans

TA X E S

o Tax Returns

o W-2 Forms

I D E N T I F I C AT I O N

o Birth Certificates

o Drivers Licenses

o Passports

o Social Security Cards

FA M I LY

o Adoption Papers

o Medical Records

o Marriage License

o Pictures

o Audio Files

o Video Clips

P RO P E RT Y

o Titles to Homes, Autos, Boats, etc.

o Warranties

With unlimited secure document storage, you can organize and protect your most important documents. Review the checklist below and start adding to your Vault today!

Protect Your Important Documents

VAU LT C H E C K L I S T

Safe & SecureS E C U R I T Y

Your wealth management system employs advanced security features and protocols to keep your data safe, private, and secure at every hour of every day, year round.

Our comprehensive security measures include password protection, Secure Socket Layer encryption, firewalls, intrusion detection, audits, inspections, and more.

With each measure in place, you can be confident that your important information is safe and secure.

PA S S W O R D P ROT E C T I O N

You have a unique username and password, ensuring that only you can access your information. Submitting incorrect login credentials three consecutive times will automatically lock your account for 10 minutes. This is to block any manual or programmed hacking attempts.

In most cases, we have no access to your username or password. However, if you decide to provide us with this information, we will never share your username and password over the phone or send it to an email address not pre-registered with your account.

H I G H E S T E N C R Y P T I O N

Our system uses a 256-bit Secure Socket Layer to scramble your data, further preventing access to unauthorized users. This is the highest level of encryption currently available today, and twice the standard followed by many financial institutions, including banks.

S E C U R E D DATA

We house your important data at secure, geographically separated data centers. Physical security measures at these facilities includes 24/x7/x365 on-site personnel and closed circuit video surveillance.

These data centers also make use of fire protection, electronic shielding, and database backup procedures to ensure your data is continuously monitored and protected.

RO U T I N E S E C U R I T Y T E S T I N G

Your wealth management system uses third-party security auditors and software, including TraceSecurity, Tenable Security and WhiteHat Security, to identify vulnerabilities within your system and to assist us with remediation efforts.

2 - FAC TO R AU T H E N T I C AT I O N

Your wealth management system employs 2-Factor Authentication (2FA), a complete fraud detection platform that uses a dynamic risk- and rules-based approach to identify high-risk behaviors and initiate an additional layer of security. With 2FA, you are sent a verification code to your mobile phone, which you are required to input along with your username and password in order to access your personal financial website. This additional layer of protection safeguards your sensitive financial data and strengthens the security of your account by requiring two methods of verifying your identity.

NON-TRANSACTIONAL Unlike online banking, trading or shopping websites, your money cannot be moved, withdrawn or accessed on our system.

Answers in the Palm of Your Hand


With mobile access to your website, your complete financial picture is in the palm of your hand, whenever you want, from wherever you are.

Your Personal Financial Mobile Website can be accessed on iPhone, Android, and other popular smart phones.

See All Your Accounts on One Page

View Your Updated Investments

Track Your Progress Towards Your Goals

Access Important Documents

Here’s How to Get Started


1. Once you've completed the self-registration process for your Personal Financial Website, you will receive a Website Registration Confirmation email.

2. Using your smart phone, access your email and click on the URL provided. Before logging on, add or save the link to your smart phone’s Home Screen.

3. The first time you log on, enter the same Username and Password you use to access your full Personal Financial Website. After this initial logon, you’ll be prompted to register your device and create a 4 digit PIN for easier access in the future.

Website Registration Confirmation

SIGN IN

Trusted Advisor(610) 684-1100

[email protected]

JOHN DOE:

Congratulations, you are now registered andcan access your finanical website

Your Username is:jdoe1234

Your Website is:https://yourwebsite.com

Make sure to bookmark this address for easy access to your websitegoing forward. You will need the Username and Password you created

to sign into your website.

Do you want to set apasscode?You can set a passcode of 4 or more digits foreasy sign in from this device.

No Thanks Save

Passcode

Stay Aware with AlertsYOUR PERSONAL FINANCIAL WEBSITE

Your Personal Financial Website allows you to create a custom set of alerts that notify you of important dates, reminders, and account and investment changes.

W H E R E V E R YO U G OWhether via email or on the home screen of your Mobile Personal Financial Website, alerts help you stay in-the-know, wherever you go.

M O N I T O R S E C U R I T YAlerts for high credit balance, large expenses, and budget exceeded allow you to respond quickly to unusual account activity.

AV O I D F E E SSave money by being alerted to low cash balances and unexpected bank fees.

A LWAY S R E M E M B E RBe reminded of upcoming events like birthdays and anniversaries. Also be alerted to important financial dates like social security benefits, required minimum distributions, and tax filing dates.

S E T U P YO U R A L E R T S N O W !

1. Log on to your Personal Financial Website.

2. Click on Manage in the bell icon on the navigation bar, or click onSettings in the top right corner of your Home Page.

3. Your email address is already added for you to receive email alerts.You can add additional Email Recipients too.

4. Turn on the Alerts you prefer and set the criteria for each.

Your Guide to Data Aggregation


W H AT I S DATA AG G R E G AT I O N ?

Data aggregation is the process of gathering digital information – like your checking account, 401(k), and investment account balances – from a variety of separate sources, to combine the data into a unified set. Your Personal Financial Website uses Connections to aggregate your financial account information, allowing us

to build a financial plan with all your information in mind.

W H AT I S S C R E E N S C R A P I N G ?

Screen scraping is a common method used in the data aggregation process, and refers to the collection and transfer of data from one application to another. In your Personal Financial Website, it requires you to submit your log-in credentials, which allows the site to “scrape” or copy financial data.

W H AT I S T H E R I S K O F S C R E E N S C R A P I N G ?

Screen scraping relies on you sharing your log-in credentials with your Personal Financial Website, which copies your data from your financial institution. While our technology company is held to stricter security standards than most, keeping your log-in credentials private is the

safest way to protect your information.

W H AT I S A N A P I ?

An API – or Application Program Interface – specifies how software components should interact with one another, which helps technology developers build more secure connections. APIs allow end-users to complete actions without having to go back and forth between two websites.

W H Y A R E A P I s M O R E S E C U R E

T H A N S C R E E N S C R A P I N G ?

APIs offer a more secure way to collect and copy data because they do not require access to log-in credentials, which means no transactions can be made. Think of APIs as offering

“view only” access to account data.

W H AT A R E OT H E R B E N E F I T S O F U S I N G A P I s

OV E R S C R E E N S C R A P I N G ?

With traditional screen scraping methods, a client’s access to their data may be disrupted by changes to their password, or changes an institution makes to its website, which may require screen scraping logic to be adjusted. By aggregating data through APIs, clients have more reliable access to their data as they are not

impacted by institution changes like these.

W H AT C H A N G E S W I L L B E M A D E TO M Y

P E R S O N A L F I N A N C I A L W E B S I T E ?

While nothing is immediately changing, there will likely be minor action required in the future. For example, if you hold Fidelity accounts, you will eventually need to grant your Personal Financial Website access to your Fidelity account data through Fidelity Access™ — Fidelity’s new method of sharing client data. We expect other institutions to announce similar methods in the future, so we’ll be sure to keep you up-to-date on any action items.