[vc_row content_placement=”top” css=”.vc_custom_1502921076505{margin-top: -15px !important;}”][vc_column][vc_text_separator title=”Asset Managers, Disruptors, TAMPs, Technology Providers”][/vc_column][/vc_row][vc_row][vc_column width=”2/3″][vc_row_inner][vc_column_inner width=”1/3″][vc_single_image image=”11341″ img_size=”full” alignment=”center”][/vc_column_inner][vc_column_inner width=”2/3″][vc_column_text]Envestnet, Inc. (NYSE: ENV) is the leading provider of intelligent systems for wealth management and financial wellness. Envestnet’s unified technology enhances advisor productivity and strengthens the wealth management process. Envestnet empowers enterprises and advisors to more fully understand their clients and deliver better outcomes. Institutional-quality research and advanced portfolio solutions are provided through Envestnet | PMC, our Portfolio Management Consultants group. Envestnet | Yodlee is a leading data aggregation and data analytics platform powering dynamic, cloud-based innovation for digital financial services. Envestnet | Tamarac provides leading rebalancing, reporting, and practice management software for advisors. Envestnet | Retirement Solutions provides an integrated platform that combines leading practice management technology, research, data aggregation, and fiduciary managed account solutions.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_text_separator title=”Initiative” title_align=”separator_align_left”][vc_tta_tour controls_size=”md” active_section=”1″][vc_tta_section title=”Asset Managers (ETF Strategists)” tab_id=”1504637864751-d99d6afe-544a”][vc_cta h2=””]

Envestnet ETF Strategist Program & ENVESTAT Research on Flows

As of 12/31/16, Envestnet had 77 ETF strategist firms (with nearly 500 products) on its wealth management platform.

ETF strategist assets are becoming an increasingly larger part of the fund strategist program (FSP) pie, and flows are changing the composition of that pie. Between 2013 and 2016, Envestnet’s ETF strategist asset share grew from 18% to 31% and the share of flows swelled from 15% to an incredible 81% share of total strategist platform assets and flows. [VK1]

Envestnet continues to enhance its ETF strategist research and due diligence and is now providing guidance to advisors on how particular strategist portfolios can be utilized in client portfolios as a:

  • Core Portfolio Solution – globally diversified, risk-based asset allocated portfolios
  • Core Complement – single-strategy, complementary, outcome-based solutions
  • Satellite – specialist strategies for shorter-term or opportunistic investing

The PMC Strategist Research Team analyzes over 125 strategist firms and 1,500 individual portfolios. Vetting is heavily weighted towards qualitative factors such as stability and historical success of the organization. Envestnet|PMC has a broader “Approved” list as well as a more condensed “Select List” that is comprised of the team’s best ideas given certain strategist attributes. Both of these research designations consider firms and portfolios that are active and available on the ENV platform.

Envestnet created the industry’s first approved list of strategist portfolio solutions, and is among the few firms in the industry to have a dedicated team of analysts that conducts due diligence on fund strategist portfolios.[/vc_cta][/vc_tta_section][vc_tta_section title=”Asset Managers (Separate Accounts)” tab_id=”1504637864822-6bc6df1e-1105″][vc_cta h2=””]

Impact Quantitative Portfolios

Envestnet | PMC’s Quantitative Portfolios™ (QPs) product blends the benefits of “beta” investments with the portfolio customization of managed accounts. QPs combine the low-cost and diversified index-based approaches of “passive” products such as exchange-traded funds (ETFs) with the control and customization typically found in “active” products. Portfolios are constructed quantitatively with risk assessment and tax management taken into careful consideration. Their passive management provides cost-efficient exposure to beta, while their active tax management enhances after-tax returns.

Impact Investing QPs are designed to provide investors the ability to implement their values in a separately managed account (SMA) structure. Impact Investing QPs are available in three strategies:

  • A general Sustainability strategy emphasizing overall ESG (environment, social, and governance) characteristics;
  • A Climate Change strategy focusing on companies considered to be climate leaders and those with relatively low carbon intensity; and
  • A Gender Inclusion strategy designed to include companies that demonstrate policies, practices, and programs that help to increase opportunities for women.

QPs seek to provide significant benefits to investors:

  • Low-cost access with pricing competitive to ETF and SMA offerings in themarketplace; e.g., a large-cap core DzFactor Enhanceddz strategy has a 20 basis points management fee, compared with 15 basis points for the DzMarket Seriesdz version of that strategy.
  • Enhanced tax management—Tax-loss harvesting occurs when losses exceed the prescribed minimum threshold, and tax benefits are weighed against risk and trading costs to prevent overtrading. Accounts are managed according to client-specific situations, such as tax transitions, low-basis stock holdings, anticipated cash flows, and security-level restrictions.

[/vc_cta][/vc_tta_section][vc_tta_section title=”Asset Managers (Product Enhancement Thought Leadership)” tab_id=”1504637940146-3d0a6238-ce8c”][vc_cta h2=””]I am promo text. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.[/vc_cta][/vc_tta_section][vc_tta_section title=”Disruptors (Technology)” tab_id=”1504637975241-47ce16fa-2464″][vc_cta h2=””]

Holistic Wealth Management & Data Analytics

For more than 15 years, Envestnet has been working towards its goal of building a holistic wealth management platform where advisors have at their fingertips all the information and analytics they would need to help better advise their clients, construct portfolios, and benchmark their practice.

With the recent acquisition of Wheelhouse Analytics, Envestnet has greatly enhanced the analytics capabilities available through its wealth management platform. Envestnet Analytics now provides enterprises and advisors with online dashboards and reporting tools which deliver segmentation analytics, trend analysis, and benchmarking capabilities to help advisors make decisions that strengthen client relationships and improve business performance.

Advisors also have access to analytics to benchmark their practice to the industry. Fee benchmarking analytics compare client fees across attributes such as product types, account sizes, and registration types. Advisors can use these comparisons to help determine whether the fees they are charging their clients are reasonable relative to the services being provided and relative to what other advisors charge.

These secure, cloud-based capabilities are available via desktop and mobile devices.

Envestnet has leapfrogged the marketplace in terms of helping give the advisor community the most complete picture of their customers’ financial situation in a way that no other offering can. These insights are in part due to the inclusion of Yodlee’s held away data and the ability to incorporate “off-platform” data.

The capabilities that advisors have at their disposal enable them to deliver actionable intelligence that can drive growth and better client outcomes.[/vc_cta][/vc_tta_section][vc_tta_section title=”TAMPs” tab_id=”1504637997680-d07f1d7f-f2c4″][vc_cta h2=””]

Envestnet’s UMP (with the addition of Wheelhouse Analytics)

Envestnet is by far the largest TAMP in the US with: (data as of 12/31/16)

  • $1 trillion in platform assets, including $347 billion in AUM/A
  • Market share of 61% (per Money Management Institute)
  • More than 54,000 advisors using Envestnet’s wealth management platform
  • Over 6 million investor accounts
  • Access to more than 17,000 investment vehicles
  • A fund strategist network with 141 asset managers providing diverse portfolio construction strategies

The integration of wealth management platform with investment management, fiduciary services, and analytics makes Envestnet a powerful force in the market. Clients have all the tools they need at their fingertips to do 21st century wealth management. Envestnet’s technology frees up advisors todo the things that really add value and can produce better outcomes for the end client.

Advisors can have a holistic view of their clients once all their financial information is assembled into one place. This is made possible through Envestnet|Yodlee, which aggregates data from more than 15,000 financial institutions.

Envestnet’s 2016 acquisition of Wheelhouse Analytics brings online dashboards and reporting tools to Envestnet’s clients, which are capable of drilling down into greater levels of detail. The dashboards deliver segmentation analytics, trend analyses, and benchmarking tools that can be harnessed to make decisions that strengthen client relationships and improve business performance. Advisors also have access to trend analyses and analytics to benchmark their practices to the industry with the aim of improving business performance. These capabilities are available via tablet and mobile devices.[/vc_cta][/vc_tta_section][vc_tta_section title=”Technology Providers (Account Aggregation)” tab_id=”1504638009833-4c174436-f6c2″][vc_cta h2=””]

Envestnet & Yodlee’s Data Aggregation Solutions

Data aggregation is key to holistic wealth management because it’s the way advisors can help clients understand their total financial picture and then customize an investment plan for them. Together advisor and client can view all the client’s assets and liabilities, analyze cash flow, and discuss their goals. This then leads to the creation of a financial plan, which is rooted ina complete financial picture plus the client’s goals.

This is all possible with the tools provided by Envestnet|Yodlee. With access to 15,000+ data sources, it’s easy for advisors to aggregate client data from a whole host of financial firms, which gives them a full 360-degree view of their financial situation. To ensure customers have access to the most accurate data, each day investors’ financial information is enriched with reconciliation ready data for use in portfolio accounting systems. This data then flows seamlessly into goals- based planning tools, account opening, and household performance reporting.

Personal financial management fin apps provide added depth to the financial picture; e.g., Budgets, Net Worth, and Cash Flow Analysis.

These capabilities deliver actionable intelligence that can drive growth and better client outcomes. The integration of Envestnet | Yodlee’s platform with Envestnet’s wealth management platform represents a quantum leap in the ability to deliver better financial insights and deepen the level of client engagement.

Envestnet provides advisors with the breadth of investment products and tools they need to deliver holistic, goals-based wealth management to clients while simultaneously fostering advisor practice growth.[/vc_cta][/vc_tta_section][vc_tta_section title=”Technology Providers (Financial Planning)” tab_id=”1504638043082-39271e8c-152b”][vc_cta h2=””]

Advice Logix and Advanced Logix

Envestnet introduced two new financial planning offerings to its platform this year: Advice Logix and Advanced Logix. What makes this offering distinctive is that it offers advisors a single workflow in one tool without any outside integrations, which allows them to create a plan, assess client’s risk, create and execute an investment proposal without ever leaving the Envestnet ecosystem.

Advice Logix is a simple tool that adds just a few questions about client goals to the familiar investment proposal flow and then delivers goals-based analysis within the investment proposal for the client. Advisors are able to compare fees and document the rationale of investment selections they recommend, enabling them to comply with higher fiduciary standards. Ongoing reporting to clients is thus focused on a client’s goals, not just the market.

Advanced Logix is a hybrid goals-based and cashflow-based simple planning module that includes more planning capabilities than Advice Logix while still being pretty easy to use inside the Envestnet platform. It is designed for planners that focus primarily on retirement, education, and insurance planning. Similar to Advice Logix, it seamlessly connects to the goals-based investment proposal, providing a single workflow from financial plan to proposal. An insurance proposal functionality is also being introduced with the new release.

Unique Annuities Modeling capabilities
The latest version of Advanced Logix (released 5/12/17) provides more realistic modeling of variable annuities. The tool incorporates a step-up functionality into a Monte Carlo simulation to better illustrate how an annuity would behave in different market conditions.[/vc_cta][/vc_tta_section][vc_tta_section title=”Technology Providers (New Applications Innovation)” tab_id=”1504638068439-e23ab78c-16e3″][vc_cta h2=””]

Envestnet® | Yodlee® Risk Insight Suite

Financial institutions are looking for new technologies and data sources that can paint a more detailed financial picture of their customers and potential customers so that they can better assess the individual’s ability topay for a new loan or support a new retirement funding strategy. Institutions are turning to the Envestnet® | Yodlee® for this capability.

The Envestnet® | Yodlee® Risk Insight Suite is a packaged solution that incorporates data elements that are not available through the credit bureaus such as income data, cash flow data, bill payment history, account receivables, account payables, payroll, and outside investments to provide a more complete picture of a consumer’s risk profile.

This big data solution enables financial institutions to glean critical business income and spending insights through data-driven analytics so they can better evaluate a borrower’s credit risk and financial performance.

Financial account information such as account ownership, deposits, transaction details, and balances can help financial institutions assess affordability for the borrower or investor, increase conversions, loan approvals, and profitability while potentially reducing the possibility of loan risk and defaults.

The Envestnet | Yodlee Financial Data Platform and its data network connect financial data from over 15,000 global sources. More than 71%of this data comes from direct data feeds with leading financial institutions.

With millions of users, billions of transactions, and over 42 million API calls per day, Envestnet | Yodlee’s data network provides the credit and reporting data needed to help mitigate risk and improve overall loan portfolio performance.[/vc_cta][/vc_tta_section][vc_tta_section title=”Technology Providers (Portfolio Management)” tab_id=”1504638092549-d8562a11-d576″][vc_cta h2=””]

Goals Based Portfolio Management and Reporting

Envestnet empowers advisors to construct client portfolios that are grounded in goals-based and cash-flow financial planning and then provides the performance monitoring and reporting tied to established goals. This is done through:

Envestnet | Logix: provides goals-based financial planning capabilities and the ability to monitor against a mandate.

  • These tools capture dollars that are allocated towards specific goals and projects whether the goals will be achieved.
  • The Finance Fit app shows clients how they can adjust spending on a daily and weekly basis to stay on track to achieve their goal.
  • The app runs probability simulations illustrating the client ’ s short- and long-term financial goals and the probability of success for each goal.

Envestnet’s Vantage Reporting: provides client performance reporting, including reporting against established goals. Recent enhancements include:

  • Ability to track performance of all underlying accounts within one model and report on the sum of those accounts
  • Sleeve level reporting and performance by style within UMA sleeves.
  • Point-to-point performance functionality and daily performance numbers at the sleeve level
  • Aggregated performance by manager report (combines SMA accounts with sleeves of the same manager)
  • Consolidated reports that include a client’s entire holdings.
  • Ability to customize reports and create custom benchmarks
  • Analysis of data by client, groups of clients, or an advisor ’ s complete book of business.
  • Yodlee FastLink offers daily account reconciliation an d reporting automatically with streamlined account opening.
  • Through Yodlee, data automatically fed into advisor ’ s desktop giving back time to advisor and avoiding manual transcription errors. It allows for holistic reporting.

[/vc_cta][/vc_tta_section][vc_tta_section title=”Technology Providers (Thought Leadership)” tab_id=”1504638116285-bd677b9d-127a”][vc_cta h2=””]

The Power of Data

With over $1 trillion in platform assets and more than 54,000 advisors using Envestnet’s wealth management platform, Envestnet has created its own ecosystem for market intelligence. Our thought leadership is shaped by analysis of the data residing in the platform, and Envestnet is now sharing these insights with clients and with the industry selectively through several different mechanisms, notably:

  • ENVESTAT: a monthly metric that delivers insights and trends about investor behavior and advisory practices based on data and feedback from Envestnet’s advisor universe. For example, a recent ENVESTAT compared 3-year performance and standard deviations for advisor-managed portfolios and fund strategist portfolios. The findings were especially important to enterprises with significant advisor-managed program assets.
  • ENV Analytics: tools that provide segmentation analytics, trend analyses, and benchmarking capabilities to help advisors make better decisions that strengthen client relationships and improve business performance.

– Advisors can benchmark their practice to the industry.
– Fee benchmarking analytics help determine whether the fees advisors are charging clients are reasonable relative to the services being provided and relative to what other advisors charge.

  • Envestnet|PMC Research: White papers and analyses that help advisors with portfolio construction and practice management. One of the most noteworthy analyses was based on calculating the sources of advisor created value, which Envestnet|PMC termed Capital Sigma. Envestnet|PMC identified five pillars of value and demonstrated that successfully implementing these sources of value can produce around 300 basis points of value add annually. This led to a white paper and book called “The Essential Advisor.”

[/vc_cta][/vc_tta_section][vc_tta_section title=”Technology Providers (Wealth Reporting / Personal Finance Managers)” tab_id=”1504638138465-de293fc7-1c56″][vc_cta h2=””]

Goals Based Reporting via Envestnet Logix

Envestnet Logix provides goals-based financial planning and reporting capabilities as well as the ability to monitor against a mandate. Financial plans can be created using either a goals-based or cash flow approach. The tools capture dollars that are allocated towards specific goals and project whether those goals will be achieved. Advisors then use reporting tools to show clients their progress towards achieving their goals.

Envestnet Logix’s comprehensive goals-based offering was created based on advisor input as to how they’d like to communicate reporting with clients around a financial plan.

Utilizing the Envestnet Logix slider-based dynamic plan, advisors can walkthrough on-the-fly what-if scenarios and then present the financial plan to the client on screen or through a customizable printed report.

Advisors can also provide clients with a complete view of their portfolio allocation utilizing analytics and various portfolio stat sheets powered by the Morningstar data.

A secure Client Portal enables clients to monitor their financial goals through mobile and web access. Clients can log into view their financial dashboard with up-to-date information about their investment accounts, credit cards, and insurance policies.

Share files utilizing a secure, military grade 256-bit encrypted vault eliminate the need for email encryption tools.

These cutting-edge tools not only provide clients with 24/7 access to their financial plan, but also will help increase client retention and referrals.

Envestnet Logix can collaborate with firms’ marketing departments to develop a marketing strategy and a rollout plan for an advice-centric approach to planning and reporting.[/vc_cta][/vc_tta_section][/vc_tta_tour][vc_text_separator title=”Category Finalists” title_align=”separator_align_left”][vc_row_inner][vc_column_inner width=”1/2″][vc_column_text]Asset Managers: ETF Strategists

Asset Managers: Separate Accounts

Asset Managers: Product Enhancement Thought Leadership

[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/2″][vc_column_text]Disruptors: Technology


[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text]Technology Providers: Account Aggregation

Technology Providers: Financial Planning

Technology Providers: New Applications Innovation

Technology Providers: Portfolio Management

Technology Providers: Thought Leadership

Technology Providers: Wealth Reporting / Personal Finance Managers

[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=”1/3″][vc_text_separator title=”Key Business Leader” title_align=”separator_align_left”][vc_row_inner][vc_column_inner width=”1/2″][vc_column_text]Oleg Tishkevich
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