How FinTech is Changing Personal FinanceFree Educational Webinar - September 21, 2016

Recording available at: https://www.brighttalk.com/webcast/9407/193819

Depressed interest rates and volatile equity markets are driving an unprecedented interest in retail alternative investment products.

Fortunately, through the intersection of technology and regulation, new FinTech archetypes are emerging to satisfy that demand.

This webinar will highlight some of these groundbreaking technologies, tools, apps, rules and investment products that are

transforming the financial services industry and changing the way people invest as well as save for retirement.

This is a MUST-VIEW webinar for investors of all sizes, financial advisors, wealth managers, FinTech platforms, and regulators.

Dara Albright Recognized speaker, writer & influencer on topics relating to market structure,

New Issues, FinTech, P2P & crowdfinance

Brian DallyCEO of GROUNDFLOOR

Jim JonesVP of Business Development IRA Services Trust Company

Sally OutlawCEO of Worthy,

Recognized Crowdfunding Author

© 2016 Dara Albright Media, All Rights Reserved

@ToTheStoics

@DaraAlbrightMedia

www.Linkedin.com/in/DaraAlbright

Speaker, writer and influencer on topics relating to Market Structure, New Issues, Fintech, P2P and Crowdfinance.

About Dara Albright

DaraAlbrightMedia.com

The Evolution of Personal Finance

For decades, the financial services industry has been in a perpetual state of transformation fueled by:• Technological achievement• Legislative Changes• Shifts in monetary & fiscal policy• The economy• Investing Sentiment / Behaviors• Investment product ingenuity

Infographic can be viewed at: https://daraalbrightmedia.com/2015/06/03/the-road-to-crow-centric-retail-alternatives-and-the-future-of-financial-products/

This is a Watershed Era for Personal Finance

• This is by far the most prolific decade for financial innovation

• This decade will be memorialized as the period of when securities regulations finally began catching up to technological achievement.

“FinTech is changing the way we invest, raise capital, borrow, lend, pay for goods and services and save for

retirement. It is reinventing currency, democratizing the flow of capital and giving rise to an entirely new

generation of tech-centric financial leaders” – Dara Albright Media

FinTech is Revolutionizing Personal Finance

“Hundreds of years from now, when economic historians look back on the contributions of FinTech, I believe that they will pinpoint innovations in micro-investing technology as the distinct catalyst which democratized global financial systems and transformed economic landscapes.”

Investing Technology is Advancing

The Rules Are Changing

The Investment Products Are Changing

A Growing Dissatisfaction with Conventional Assets

Investors Want Greater Investing Control

This chart that quantifies the dollar value of 1.15% in management fees over the course of one’s career. This chart supposes that a 25 year old invests $300 per month in a fund that returns 7% per year until he is 65 years old. Over the course of the 40 year period, more than $200,000 – or 25% of his portfolio value –will have gone towards management fees.

The Way Investment Products are Accessed is Changing

Investing Mindsets Are Changing

There is a Growing Distrust of the Financial Establishment

According to a survey released by Harvard University's Institute of Politics, Just 14% of respondents aged 18 to 29 say they trust Wall Street to "do the right thing all or most of the time."

The People Are Demanding Wealth Equality

Retirement Assets of 100 CEOs

Source: Center for Effective Government Institute for Policy Studies

Retirement Assets of 41% of

American Families

They Want the Same Chance to Retire Richer

They Want A New Financial System

My Take on the Recent Industry Turmoil

The Recent Turmoil is Exactly What Progress is Supposed to Look Like!

The only thing that goes straight up is a rocket

Turbulence and uncertainty breed innovation and new leaders!

New Leadership is EmergingBetter fixed-income alternative products are being created

GROUNDFLOOR is the first and only real estate lending marketplace open to non-accredited investors.

GROUNDFLOOR offers unaccredited investors short-term, high-yield returns backed by real estate.

Typical GROUNDFLOOR loans (LROs) have returned 12 percent annually on a six- to 12-month term.

New Leadership is EmergingMore powerful gateways to alternative investment products

Worthy is a ground-breaking peer investment app that will redefine how individuals – especially millennials – save for retirement.

Worthy is ensuring that every consumer becomes a saver.

IRAeXchange is redefining retail retirement distribution

New Leadership is EmergingRetirement vehicles more conducive to today’s investing market are being introduced

IRA Services’ technology is making it simple and affordable to invest in these alternative products with retirement dollars; hence, making tax-deferred micro-alternative investing a reality!

How FinTech is Changing Personal FinanceFree Educational Webinar - September 21, 2016

Depressed interest rates and volatile equity markets are driving an unprecedented interest in retail alternative investment products.

Fortunately, through the intersection of technology and regulation, new FinTech archetypes are emerging to satisfy that demand.

This webinar will highlight some of these groundbreaking technologies, tools, apps, rules and investment products that are

transforming the financial services industry and changing the way people invest as well as save for retirement.

This is a MUST-VIEW webinar for investors of all sizes, financial advisors, wealth managers, FinTech platforms, and regulators.

Dara Albright Recognized speaker, writer & influencer on topics relating to market structure,

New Issues, FinTech, P2P & crowdfinance

Brian DallyCEO of GROUNDFLOOR

Jim JonesVP of Business Development IRA Services Trust Company

Sally OutlawCEO of Worthy,

Recognized Crowdfunding Author

How FinTech is Changing Personal FinanceFree Educational Webinar - September 21, 2016

Depressed interest rates and volatile equity markets are driving an unprecedented interest in retail alternative investment products.

Fortunately, through the intersection of technology and regulation, new FinTech archetypes are emerging to satisfy that demand.

This webinar will highlight some of these groundbreaking technologies, tools, apps, rules and investment products that are

transforming the financial services industry and changing the way people invest as well as save for retirement.

This is a MUST-VIEW webinar for investors of all sizes, financial advisors, wealth managers, FinTech platforms, and regulators.

Dara Albright Recognized speaker, writer & influencer on topics relating to market structure,

New Issues, FinTech, P2P & crowdfinance

Brian DallyCEO of GROUNDFLOOR

Jim JonesVP of Business Development IRA Services Trust Company

Sally OutlawCEO of Worthy,

Recognized Crowdfunding Author

How FinTech is Changing Personal FinanceFree Educational Webinar - September 21, 2016

Depressed interest rates and volatile equity markets are driving an unprecedented interest in retail alternative investment products.

Fortunately, through the intersection of technology and regulation, new FinTech archetypes are emerging to satisfy that demand.

This webinar will highlight some of these groundbreaking technologies, tools, apps, rules and investment products that are

transforming the financial services industry and changing the way people invest as well as save for retirement.

This is a MUST-VIEW webinar for investors of all sizes, financial advisors, wealth managers, FinTech platforms, and regulators.

Dara Albright Recognized speaker, writer & influencer on topics relating to market structure,

New Issues, FinTech, P2P & crowdfinance

Brian DallyCEO of GROUNDFLOOR

Jim JonesVP of Business Development IRA Services Trust Company

Sally OutlawCEO of Worthy,

Recognized Crowdfunding Author

Redefining Retail Retirement Distribution

© 2016 IRA Exchange, All Rights Reserved

James A Jones

Vice President Business DevelopmentIRA Services Trust Company

CEOIRAeXchange.net

The New IRA and 401(k) Market

$7.6 trillion in IRAs$450 billion annually in IRA rollovers from retiring 401k’s

Total IRAs savings Total 401(k) savings Total savings in retirement accounts

$6.8 trillion in 401(k)s

Combined $14 trillion in retirement accounts.

The Retirement Market

IRA value surpassed corporate 401k’s for the first time ever in 2015!

For every $1 in a personal checking and savings account, there is over $12 in an individuals retirement savings account

Investor Portfolio Analysis of Asset classes

• American Association of Individual Investors

• *50% Fixed Income – 50% Diversified Stock

• * loss of 16% in a bad year

Investor Portfolio Analysis of Asset classes

• American Association of Individual Investors

• *50% Crowd Centric Alternatives – 50% Diversified Stock

• * 11% Annual Growth

Performance of Tax-Deferred Compounded Growth v. Taxable Growth

• Same Calculation - $100,000 –11% at 50% Real Estate Debt-based (or MPL) – 50% Diversified Stock

Beyond Stocks, bonds and mutual funds

Investors are looking to participate in:

• Peer-to-peer lending• Equity crowdfunding• Real estate investments• Precious Metals• Private Equity• And more…

The typical self-directed IRA investor has changed

• The rise of P2P and Crowd investing has already begun transforming the demographic of the archetypical Self-Directed IRA investor

• The self-directed IRA investor is no longer the house flipper, coin collector or high-net worth venture investor

• Today, anyone and everyone is a potential Self-Directed IRA investor• A traditional IRA holder looking to reallocate a portion of his existing portfolio

to alternatives

• A millennial looking to start a retirement plan

Yet, only about 1% of investors are utilizing Self-Directed IRA’s

• Industry is craving:

• Technology Integration

• Education

•Retail distribution solutions

A “landing page” is not FinTech

Today’s self-directed micro-investor requires a low-cost, high speed retirement investing solution that 40-year old legacy systems are simply incapable of providing

The IRA Services Cloud Platform (ISCP™) Solution

• White-labeled solution: “Your website” IRA

• Cloud-based API: Your Client NEVER leaves your site

• One Account: Yours!

• Lowest Pricing in Industry: 25 bps or $100 Flat

• Scalable: 250,000 accounts per hour

• Facilitates both taxable & non-taxable accounts: • Both retirement and non-retirement account holding

• Both private securities and publicly traded

A simple and secure way to transact alternative assets using a 401(k) or IRA account.

Enhancing Distribution through Education

• Education: e-books, articles, webinars, podcasts, regional investor conferences

• Ecosystem where Advisors, Investors and Investment Sponsors come together via television events, Retirement Radio, customized video and podcasts

How FinTech is Changing Personal Finance

Thanks for tuning in!

Dara Albright Recognized speaker, writer & influencer on topics relating to market structure,

New Issues, FinTech, P2P & crowdfinance

Brian DallyCEO of GROUNDFLOOR

Jim JonesVP of Business Development IRA Services Trust Company

Sally OutlawCEO of Worthy,

Recognized Crowdfunding Author