Hello and welcome to Orion. Features within Redtail Growth make CRM the center of your business. My name is Brian Morgan, I'm the Director of Product here at Orion over Financial Planning. And with me is Kade in his Area Acres, a product manager who I work really closely with on the financial planning side. Of Orion planning and then also to Austin Johnson who's with business development within Orion as well. So the platform that we're using on 24 just before we get started wanted to know that you know you can, you can customize this so you know arrange you know this console to fit your display. You know as we go through this webinar we have folks standing by to answer questions. So please feel free to submit you know those questions to the Q&A. There's also going to be resources available for you that you can, you know, open and take away from this presentation. And if let's say you were late, you missed something, you want to watch something again, you'll be able to do so on the on demand recording. All right. So for this presentation, we're going to cover a handful of things. The client portal that you're going to get access to, Orion planning, a financial planning tool, a couple of behavioral finance tools with. 3D risk, something called 3D risk profile as well as a couple other behavioral finance tools. And then finally the proposal generation. So you know within Orion, we, we do a lot of studies externally and we also tried to read as much studies as possible. And really what we found is the #1 pin point for you for advisors is the lack of integrated technology. So Orion has been on a, you know, a tear of acquisitions over the last. You know, a handful of years or so Orion Planning, formerly known as Advisor was part of that. And really the benefit for you, the Advisors is that when these, these technologies are part of 1 company, we can really spend a lot of our resources to integrate them as well as possible. And it's been really exciting to see, especially on the planning side of things in our client portal to see the growth of that tool and we're really excited. With Redtail joining the family just to continue to enhance that that full end to end integrated experience. So within Orion we have we we have this flywheel that we're I'm going to go through really quickly that has been really the core of our mission to help advisors and and and firms prospect plan invest and achieve. So the CRM that you've been using is definitely a big part of the prospecting process. But part of the integration that you're going to see is now it's going to be really well connected to planning, right. So all that information you have and then CRM will be able to take, you know, a lot of it and bring it into the planning tool just to, you know, help you, you know more efficiently do that financial plan without having to duplicate efforts. You know within our planning tool we have a ton of functionality, you know, goals based, cash flows based and a big part of what Kate's going to show some of the behavioral finance tools that we've been using. And you know once you've done that plan, the next step is really helping clients get invested in that's going to be the proposal side of things that Austin's going to go through later in the presentation. And then once the client, you know they're invested, the achieved section, right, that client portal, you know really all the reporting that Orion can do for those clients. And and part of this will also be you know the client portal that will be we're going to be providing to you now as part of this growth plan. So really excited for for you to see what we have and with that I'm going to turn it over to. To start with the client portal and financial planning, thank you very much, Brian. I appreciate the introduction. As he mentioned, my name is Kate, I'm a product manager with Orion Planning. And just a quick mention that throughout this presentation, any questions, feedback or comments that you have, feel free to drop it into the Q&A section and we will be happy to respond. A lot of the ideas that we end up actioning come from advisors and clients just like you. So thanks in advance. For your questions and engagement, a little background on me. I'm a former advisor and I kind of became a tech person. So on Orion planning, what I do as a product manager is work closely with our development teams to build all this amazing technology that we're looking forward to showing you today. So I'm gonna show you. Some really exciting enhancements to financial planning our our awardwinning client portal and then of course I'm going to kick it to my colleague Austin, who is a Redtail and proposal generation extraordinaire. So without further ado, let's jump into a demonstration. There is a lot of overlap between our financial planning tool, Orion Planning and our client portal, which is awardwinning. And I'll just mention that you're never on an island. We have a ton of great resources for you to leverage. Firstly, we have a financial planning service team that can help you with questions around the client portal and our financial planning tool. They can be reached by e-mail or by chat. In addition, we have a Resource Center if you click this help icon. This Resource Center is regularly updated and it is chock full of useful information, articles, explaining tool logic and how to model different scenarios we also have. A variety of demos and sample plans for you to review, so I will jump over to a specific client. And I almost forgot, we also have a mobile application that is a huge advantage and a big convenience for clients, so keep that in mind as well. You can configure the landing page that you would like your clients to interact with upon login events. And in the Client access menu, if you Scroll down to the client portal landing page, you can select any of these pages from from the drop down. In addition, you can choose the access that your clients would have via these dashboard access toggles. You can also onboard clients with a variety of different financial planning workflows which are conveniently located in the same model. So client overview is going to contain financial planning goals and their statuses. They also have a net worth statement and if clients have linked outside accounts like credit cards, you would see a tally of transactions here. Under personal finances there is a summary view which shows market value returns year to date. And you know, significant transactions, contributions, changes in market value, etcetera, you can track performance against a variety of benchmarks and within a specified time period within the Positions tab, you can view positions on a more granular level everywhere from account to asset class to model. We also have an R&D dashboard and another access point for. The risk profile, Lastly, I'll mention the document vault. This is a secure way for your clients to share documents with you and and vice versa as well. This would be a great place for your clients to upload you know estate planning documents, tax documents, brokerage statements, insurance policies etcetera. Diving into financial planning, our tool is a hybrid between a goals based. Planning platform in a cash flow based platform. Now when I say goals based, there are a variety of different goals represented in this sample client scenario. Everything from retirement to emergency fund insurance, debt management, even estate planning and some customized customized purchases are reflected here. You can also add you know different goals to to the financial plan here conveniently. However, we also perform, you know, cash flow analysis starting from year one and lasting through the end of the plan. So you don't have to wait for retirement to be able to view, you know, detailed cash flows. Diving into one of our goals, I'll choose retirement because it's, you know, very, very popular, very common. Most people have to do some planning for retirement. We get a funding status and a nice mountain chart that shows the difference between you know, the current plan and the proposed plan and that that should demonstrate the value of of advice and and changes. We can take a look at retirement income in any given year and scroll through year by year to see the detailed incomes and any kind of shortfall. We also have a Monte Carlo analysis so you can gather Intel about a probability of success in retirement. We have an assumptions tab that allows you to quickly take inventory and make sure that all of the assumptions that are informing the results of the plan are accurate and sensible. In our What Ifs menu we have a variety of different What Ifs that help you model different scenarios. So everything from changing retirement ages, life expectancies, expenses, the impact of additional savings on. On the retirement plan, you can allocate all excess cash flow to a plan. You can make custom distributions by dragging and dropping any of the accounts from the default distribution method to to whichever method suits your preference. You can make changes to asset allocation pre and post retirement. Social Security you can, you know either take benefits early or you know model the impact of delayed benefits. You can maximize for assets at the end of the plan or maximize for Social Security benefits which is convenient. That is a advisor led. What if and the same is true of Roth conversions and and stress test. In terms of a Roth conversion, we can model Roth conversions on a recurring basis as a lump sum or even up to a certain tax bracket. So once you've added a Roth conversion, you can see the details on the chart here. And of course all of this information would be reflected on our cash flow report as well. Moving on to our profile, all of the information that you would expect to be able to enter here is going to be available on the left hand side of the menu. So that's of course income. That would include employment, business, real estate, Social Security, and other income Expenses. You can add expenses on a detailed basis or as an aggregate, and whichever view you choose, that's what the plan will use. In this Goals input tab, you can add and subtract goals here. For accounts, you can add accounts, you can choose their Asset bucketing assignment and that will make a lot more sense. In just a moment here when we start talking about behavioral finance, all of the account types that you might expect including, you know, employer sponsored account types, you know, checking savings, credit cards, lines of credit, annuities, etcetera, those are all available here. In the account details you can choose a, you know, custom distribution strategy and the same is true for contributions. You can make changes to asset allocation here as well and you can even add beneficiaries for other assets. That would include real estate, business, pension, miscellaneous and even like a non qualified deferred compensation plan here. From an insurance perspective we have options to model life, disability, Longterm care and HealthEquity Compensation allows us to model RSU's, ISO's and even non qualified stock options. From a taxes perspective, we we will automatically take all taxable income through the brackets on the federal and state levels. But you can also enter a an effective tax rate if that's more convenient and you can model the impact of moving States and retirement and adding local, local taxes as well. Diving into reports, I mentioned that we had a full cash flow report starting from the year, year one and lasting all the way through the end of the plan. We also have a balance sheet. This is where you can come and track earnings contributions, distributions and taxes throughout the life of the plan. Our advanced reporting, I mentioned, I mentioned, I mentioned this, this is you know one of the one of the capabilities that our cash flow engine allows us to to feature and for advisors and clients to enjoy. We also have an action steps report. So for every goal that is in the plan, if there's an action step related to that goal, you can view it here. You can add a customized report as well. You can assign it to the advisor or the the client. You can choose a date, and when that goal is completed, you can either delete it or you can just mark it off as having been completed. So this is a great resource you know to start your meetings or to send out. To your clients to revisit, you know, the winds that you've had over the years. Now that we've covered our client portal and Orion planning at a high level, it's time to dive into one of my favorite topics and some of the most fun projects I've ever been a part of at Orion, our behavioral finance tools. There were three main tools that I will discuss today. One of them is it's called B 520. The second one we affectionately refer to as PLD, but is an acronym for Protect Live Dream. And the third would be our three-dimensional risk profile or a 3D risk profile. I would be remiss however not to dive into some of the why behind why we're so excited about these tools and why we think they're so powerful. So the behavioral finance side of financial planning i.e., the human side. Is, we believe kind of the next frontier. There's so much value to extract there. So I'm very excited to introduce these tools to you and some of their applications in your financial planning process. Let's talk for a moment about financial outcomes. Now, of course, we probably already know as advisors that our jobs are valuable, that we add value to people's lives that were important and that we affect. Decisions that ultimately affect people's levels of happiness and fulfillment and their ability to achieve and actualize their goals in life, that's a really, you know, powerful and privileged position. The slide that you see in front of you now is really elucidating the value of financial advice. The longer clients stick with advisors, stick with a strategy, stick with the financial plan. The better their financial outcomes are, and that's great. It's great that the data actually support that intuition. Let's talk now about the kinds of value that we can add. Now, this is not, you know, a black and white issue. There's a lot of different ways that we can add value, some of which are easier to measure. But Merrill Lynch did a pretty elegant study comparing some of what we'll call old school behaviors. Against some new school behaviors, now old school behaviors, you know, that's things like asset allocation, tax management, product allocation, rebalancing. The new school would be things like client assessment, behavioral coaching, goal optimization and guidance around savings and withdrawal. What's interesting here is that number one, you'll see a positive basis point value attributable to all of these activities, but notice that the most valuable item. In the old school category, which would be tax management that comes in right around 60 basis points is less valuable than the least valuable behavior. And these are advisor behaviors on the right hand side of the screen being client assessment. So the idea here is that #1, The upshot is everything is additive and again that's another thing you know that it's it's probably heartening to match your intuition. Up with with the actual data that's supported here. But what might be slightly surprising is just how important it is to to really lean into and embrace the sort of new school, if you want to call it that, or behavioral approach. And this is where you know, behavioral finance can be so important. So what's in a name, right? So what, what is the value? How does this actually shake out in real life when we talk about goals based? Investing those clients who had a goals based financial plan or financial strategy or investment strategy in times of difficulty, geopolitical uncertainty, you know, market volatility or downturn, 75% of those people again that had a goals based investment strategy made no changes at all. And 20% of those folks decided to increase the size of their immediate needs. So they said that you know I need some more short term cash, but they left their longer term assets fully invested. Now that's kind of the advisor's dream. On the other hand, folks who you know had a traditional investment portfolio which either was not tethered to any any kind of deeper why or just you know was never, never discussed. There was no goal, there was no, there was no big motivation or purpose behind the strategy. 50% of those folks chose to fully liquidate their portfolios or at least made significant changes to their allocations and and reducing their you know sort of their their long term assets. So I'm I'm sure we've experienced you know personalities that would would match both of these descriptions and both of these outcomes. This statistic is always very surprising for me as a as a financial planner and as a former advisor that 64% of financial planning clients don't feel that they have anyone to talk to about their money and that includes their advisor. Now you would think if you've gone through the trouble of, you know, having a financial planning conversation with your clients, presenting the financial planning results, talking about you know some of the implications of the plan. That it would follow that that person would feel that they could then talk to you about their money. And indeed, that's not the truth, the truth. So there's some mismatch between how clients are perceiving interactions and how advisors are perceiving those interactions. So this is helpful to keep in mind additionally, when we think about when we think about what clients most covet and want in an advisor. 91% reported that they want an advisor who gets them, followed by 71% of clients said that the most coveted quality or the most important quality to them would be an advisor with whom they share values. So this is all helpful context or pretext to what I'm about to show you and how we believe our behavioral finance tools can start to chip away. It's at the negative side of of the implications of some of these statistics. But maybe on a a more positive note can really help advisors deepen their relationships with their, with their clients and kind of transform their approach as we move into the future. Let's talk about risk. I think we're all familiar with a traditional risk tolerance questionnaire which is you know a great tool and and I would say sometimes limited or even limiting. Risk tolerance is great at capturing exactly what the name suggests which is tolerance. But we believe, you know, risk deserves a much thicker story to be told and and that's where our 3D risk profile comes in. So our 3D risk profile is a slightly extended assessment that seeks to measure not only tolerance but also wants to capture capacity and composure. So capacity would be the ability to take risk. Based on goals and a timeline and composure, which is you know, a much more behavioral element is the composure in times of volatility and change. So think of it as the experience that someone has in the process of taking risk. So we'll start here. First, we gather a risk capacity score and I won't patronize you by reading you all the questions. I I really just want to make sure that you can get, you know, a vague impression of of the experience and the look and feel and the process. We can confirm our risk capacity score and we'll move on to tolerance. I presume that most people watching this have gone through a very similar risk tolerance questionnaire. We can choose our comfort based on a couple of different scenarios that get presented. After tolerance, we move on to composure. Now really take note of, you know, sort of the tone and how some of these questions are pitched the the the information that we're trying to tease out. So we're talking about stress and worry and calmness under pressure, our sense of control, how easily bothered we are. Emotions. So we have a Risk Composure score and I'll just pause quickly here to mention you know that a lot of advisors use this Composure score as a way to proactively check in with their clients. So we we know that folks tend to think about, you know, making rash decisions during times of uncertainty and. Some folks have decided part of our advisor community has decided that this is this is a good indicator to create a call list or to a check in list. So when things are turbulent, you have a sense of your clients and prospects who would really appreciate a call or check in because we know that they're maybe less composed than some of their. You know, some of their counterparts who have nerves of steel perhaps. So I just want to point out, you know, that's one of the applications of this, of this metric. So I can go ahead and generate a score. You can see these three different scores broken out here on the bottom. And then we get an aggregate 3D risk profile. I'll go ahead and submit that. And because I've already created models, I can go ahead and tether my risk profile to, you know, a moderately aggressive strategy. This is just, you know, for the sake of for example. So I'll go ahead and confirm that while we are here, I just want to point out how I got here. Within Orion planning, you can come to the profile and then Risk profile item here on the left. Now if you come into the application settings by clicking the hamburger menu on the right and then settings, you can just easily confirm under the My Settings tab which risk assessment you're going to use. So there's a little drop down here under Risk Questionnaire. The the 3D risk profile is available. Also the the Orion Questionnaire which is a you know a seven question risk tolerance questionnaire which you're welcome to use as well. Additionally, if you'd like to use a different assessment for a different client that that is different than just the the the firm default, you can come here to client settings and. You can choose on a client by client basis which risk profile you would like to use for that particular client. Let's talk BeFi20-BeFi20 of course was created by Doctor Daniel Crosby and its original intent was to address potential financial conflict between couples. Now it's use case is much wider. And we believe that this is appropriate for really any two people who find themselves in some kind of financial relationship to each other. That could be business partners, that could be friends, that could be parents and adult children, that could be of course, romantic partners, and it could just be individuals who are curious about uncovering some insights about the relationship to and disposition around money. So the question we see and are attempting to answer throughout this assessment is what does money mean to you? And it's true that each of the financial personas that you will see will bear a slightly different signature depending on the responses. Now, I don't want to patronize you again and you know, read you these questions word for word, but just so that you can get, you know, a fairly vague impression at least of how some of these questions are posed. And what we might be aiming at in terms of insights. So this is the result of an individual's BeFi20 assessment. There they get a a financial persona and of which there are 10. Each of them have a different description. So there's a qualitative description here around, you know, what are some of the signatures of this particular financial push, excuse me, financial persona? And then we get the five different categories, communication, worry, purpose, use and importance. And we get a description, but also we get an indicator of where the the person who took the assessment, you know where they ended up across these different Spectra. So in this case, with respect to communication, this user is just slightly left of center in terms of their hesitancy versus comfort. And that would be a useful thing to know, both for both for them and for you. As you you know, as you organize next steps and you know just start to form some expectations of each other in the scope of your engagement, I'll Scroll down to the bottom and show you just a couple of things. Number one, you can always retake the Assessment #2. There are two different ways to share and compare this first. Compare option is explicitly for the purpose of generating a comparison, and I will show you exactly what a comparison between two people looks like in just a moment. Just keep in mind the second option. It really just allows a person to share this out with someone who they think might benefit from, you know, going through this assessment themselves. But it would not generate a comparison. So to generate a comparison you just enter you know, someone's name here and their e-mail address. And click send, you know the the invitee would receive an an e-mail and a link. They would click the link. They would go through a short registration process and go through the assessment themselves. Now at the completion of the second person's assessment, a comparison report would be generated. So this client has, you know, quite a few comparisons and this is their landing page where they can manage their comparisons. They can, you know, remove any comparisons or remove any kind of, you know, pending comparisons. So I'll exit that management mode, but I will just click on one of the reports. This is, this is the result of two people having both gone through the assessment. What's different about this report is that you get a similarity score and I'll just take a moment here to highlight the fact that. Although these two in this example you know these two individuals are highly similar, that is not necessarily a good thing. Nor is it a bad thing if if these two individuals were were quite dissimilar. It's really more about the insights and the action steps, how people organize themselves around their their values, their money values. So different descriptions these these descriptions now are based more around. Two individuals rather than in the context of a comparison rather than just one. And of course we have some tips and insights. So here we can see what they need from you with respect to communication. They need conversation around money framed in terms of shared values and concerns. And because they're similar, they have the same needs for each other. In addition, we have some start talking and start acting tips and of course the share and compare options. Are also available on the comparison report. You can toggle between an individual's report and any comparison report that's been generated. This is also available as a PDF and and many advisors have made good use of that feature. So that is is BeFi20. It's such a fun project. We are, you know, really excited about the great feedback that we've heard. We cannot wait. To hear your feedback about the tool and hear some of the stories about how you've been able to to work these conversations into your financial planning process, let's talk about Protect Live Dream. Protective. Dream turns on the idea of mental accounting, which is the tendency or the propensity to treat equally fungible dollars differently based on the way that we're mentally or emotionally framing them. Now this is, you know, no value judgments at all. This is not a good or a bad thing. And if it were a bad thing, then we would all be guilty of it. So this is just something that we know people are doing and what we're trying to do is identify any gaps between, you know, reasonable decisions and and and rational decisions. Now that that distinction between rational and reasonable is not mine. That's Morgan Housel's. He wrote a book called The Psychology of Money, which is fantastic. But Protect Live Dream is is a is a way for advisors and clients to come together and speak the same language. Think of this like it is a behavioral balance sheet. Now we have, you know, a traditional balance sheet which is a wall of numbers and shows a lot of different data. And this is different, right? This, this is, this is a way to really show and highlight the purpose behind the money. Now something we're really passionate about at Orion is making our technology personalized and customizable and Protect the Dream is no different. So I'm just going to show you what that looks like really quickly. I'm going to click this edit asset bucketing icon and that brings me to a template for, you know, for this specific client for Kurt. So if Kurt has, let's say he's got charitable inclinations and so instead of. Protect Live Dream. We're going to name it Protect Live Dream and Charity. There we go. I'm going to add a fourth bucket and call it charity. I'm going to just copy and paste some text here just so you can get a sense of what it would look like. And then if I Scroll down, I can drag and drop. Accounts and assets from one bucket to the next. And I can do this at the level of the account or the asset, right? Like I could drag and drop our primary residence if I wanted to. But also if you have linked accounts that have individual positions, we can select just individual positions and move them from bucket to bucket. So at every level we're able to you know show assets in in the bucket where we want them to to reside. If I like those changes I will go ahead and hit save and you can see when I return back to the the the landing page my changes have been applied and saved. Another couple of pieces of functionality here we have a what ifs menu, so if you have access to the financial planning. Tool, you can model some changes to the profile. In this case, I have modeled a real estate sale in the year of 2035 with some resulting proceeds. I'll go ahead and apply that to the plan. And right now we are looking at present values that are pulled, you know, directly from the balance sheet or from linked accounts. But I can flip also to the year where this the transaction would occur and now I'm looking at future values and I can come down here and check that. The real estate transaction has been reflected so that which used to be a real estate investment. Now the proceeds have been deposited into an investment account. You can also come here to profile and accounts and you can make changes to the accounts in terms of where they reside by default right here at the Asset bucketing tab. So you can either exclude it from asset bucketing, you can see which which bucket it would live in by default. And and move it around here as well as I mentioned with the other tools, this is also available as a PDF and the way that I navigated to to PLD was at the goals results and then we have a a dedicated protective dream tile. We also have dedicated workflows in our data workflow menu, so for the the 3D risk profile BeFi20 and and protective dream as well. Thank you for sticking with us thus far. Almost done. But before we wrap up, I'm going to kick it over to my colleague and Redtail and proposal generation extraordinaire Austin. And Austin is going to wrap things up. Thanks, Kate. One of the pieces that I'm most excited about in our new Redtail plans offering is the proposal generation tool. And I'm really excited because it truly is a proposal that has it all. What we have in this new proposal generation tool is the next evolution of integration. We're bringing together the best of technology at Orion with the best of technology at Redtail and giving you a streamlined way to present an investment strategy to your prospect or client. We're going to pull in elements from Orion Planning, Orion, risk our Orion Communities platform, and bundle them all together in a concise and easy way to present your recommendation to your Prospector client. With that said, let's go ahead and take a look. The proposal generation tool begins on the Contact record with the new Redtail plans. You'll notice a new tab here called Proposals. Here you can go ahead and view any existing proposals that you have for a client or prospect, choose to edit them or begin with a new one by clicking on the New Proposals button. When we click on the New Proposals button, Redtail is going to gather contact data and add it to the proposal. So here we can see items like Kurt's first name, last name and e-mail. But on the back end, we're also going to be pulling data like date of birth, tax ID number, mailing address, phone number. And that's all going to be prefilled into our new account application. And step #2, this is where we're going to pull together data from our Orion planning tool, specifically any goals that Kurt has gone through and completed within Orion planning. Here we can see that Kurt has already gone through the workflows for retirement and for his son Tommy's education. If we wanted to add any additional goals, we can click on the Add Goal button here, choose the goal and answer a series of questions about that goal. And step #3. We're going to aggregate Kurt's personal finances now. These can come from two places, one being Orion planning. The other being the accounts tab here in Redtail. So if you have any portfolio aggregation tools like Orion or a custodial connection or even a connection with your broker dealer, that information here can be pulled into the personal finances section, which we can all be part of the proposal that we're going to generate. In step #4, we are going to do a quick risk questionnaire to assess the client risk. Now this is a little bit different than the 3D risk profile. But I wanted to give you options as far as what are the different risk questionnaires that are available to you. This one is just a little bit shorter and it just asked 7 basic questions about risk in order to properly allocate your client's portfolio in their proposal. So the first question is what is their primary investment objective? Kurt is interested in maintenance. Approximately how many years do you expect to continue to invest your assets in the stock market? Kurt's fairly young, He's got a lot of large time horizon. Next, we're going to give them a look at 5 different portfolios, which was which of these would represent the biggest tradeoff for them. So let's say that Kurt was comfortable with something in the middle. We'll pick Portfolio C Then we'll ask them to rate their comfortable, how comfortable they are with risk on a scale from 1:00 to 10:00. How long are they prepared to wait for an account to return to its original value after a down market? How secure are they about their future income? And finally, how able are they to handle financial emergencies? And so based off of those questions, the Orion risk is going to generate a risk profile. In this case, we've calculated a risk score of 70 for current. Now, if you have another risk tolerance questionnaire that you like to use or a different risk methodology. We know that you can also superimpose a risk score here by clicking on this top check box and choosing the risk score that you would like to use. Additionally, some advisors like to e-mail out this questionnaire to the client before the meeting, so that way they can have that data already populated when they go to generate the proposal. Next up, we're going to go to step #5, where we're actually going to go ahead and propose the accounts. I'll start by clicking on the add additional account here. And the first thing that we're going to do is we're going to choose the custodian in which we want to open the account at. This list here can be curated to just the custodians that you utilize based off of whatever custodian you choose. That is going to determine what account types are available. You'll go ahead and choose the investable amount. And then you can go ahead and assign this account to a goal back in step #2. So for example, if we're going to use this individual account for Tommy's education, I can go ahead and indicate that and in the proposal, it will tell my client or prospect that this account is for this particular goal. Before we set our allocations, you'll also need to go ahead and choose your fee structure. Again, this list can be curated by clicking on Add Additional Fees. Choose just the fees that you choose to charge. And then pick the fees from the drop down. Now that we have the custodian account type, goal, investable amount and total fees, now we can go ahead and set the allocation. When we set the allocation, we can go ahead and click add models here to choose a model from our. Model marketplace called Orion Communities. Additionally, you can also load in your own models if you have models that you wish to add. Today I'm gonna use some of our models from our model marketplace And so here Orion has gathered some of the top investment strategists in the world and given you access to their model portfolios as well as the fact sheets associated with them. We can also filter these models by risk score. So for example, I know that Kurt is a 65 score. So I'm going to go ahead and look for models within the growth risk horizon. And so now I can go ahead and make my selections. I'm actually going to choose two today. I'm going to do a blended model of both this ETF 5050 and this ETF 6040, add the models. And then I could go ahead and set my allocation for percentages. So I'll do 50% to 6040 and 50% into 5050. And by combining those two, I write on my perfect risk score of 65. If you are out of tolerance for the portfolio risk score, Orion and Redtail will notify you letting you know that this portfolio that you're proposing is not within their risk tolerance. Additionally, if I want to learn more about what these two models look like together, I can download a blended fact sheet here as well. Next we can do a little bit of analysis. We pull in some data from our Orion Risk Intelligence tool. Things like Beta yield, Expected Total Return, Annual return, and Volatility. Additionally, you can click on Compare to existing proposed accounts here. And you can take one of Kurt's existing accounts from step #3 and compare it to the account that you're proposing today. So you can look at things like asset categories, asset classes, sector allocation, and geographic allocations, making sure that the proposal that you're generating is properly diversified. Once you've analysis and made your recommendations, you go ahead and click save here. And now we're ready to go ahead and begin with the proposal. So in step number six, I'll go ahead and choose my proposal output. You can create different templates if you want. For the purpose of today's demo, I'm going to use all of the fragments so that way you can see what a completed report would look like. And so here I'll go ahead and Click to Add all of them. Notice that you can obviously curate, you can move. Fragments around You can remove fragments if you want. Additionally, some fragments are locked. So for example, our disclosures here, we wouldn't want to give a proposal out without any disclosures. And so those of course will be locked as part of the proposal tool. And so now that we have our proposal output selected, we can either choose to e-mail it directly to the client or download it in a PDF form. Since I'll be meeting with the client in person, I'm going to go ahead and choose the download now option. Keep in mind it will take about a minute or so for that proposal to generate. All right, looks like our proposal is ready. First thing I draw your attention to is notice that this proposal here is branded to your forum and your logo. It also is curated to your client. Begin the proposal with a short welcome. Then we have some information about Kurt's goals. More details about those goals, a copy of the risk and reward questionnaire that we went ahead and filled out, some commentary about market cycles, a look at our different risk scenarios. So one of the really cool perks of Orion risk is that we are big on scenario analysis, what we call stress testing. And so here we can go ahead and look at what would Kurt's portfolio perform like. Had the SMP dropped 10% or if the SMP was up 10%, a deeper look at Kurt's risk profile. And then here is a blended fact sheet of the investment recommendations that I'm making. So this is again pulling from those models that we selected and giving me detail about risk and return performance over time allocation. And at the end, we have a blended fact sheet as well. All wrapped up with, of course, our disclosures. Once you've presented your proposal and gotten a thumbs up from your client, you can then go ahead and flow right into the new account opening process in step number 7-8 and nine. In step #7, we're going to add in some additional details about the owner of the account. So here, notice that a lot of this information has already been populated by Redtail. There are just a couple more pieces that we'll need to go ahead and add. And the more information that we add here is less information that we have to add on the new account application. I'll go ahead and enter in a sample driver's license here, information about employment, and go ahead and save the details. And step #8, we can go ahead and enter in information about how we're going to fund the account, so under the Setup account menu here. We can choose to add in information like banking for a direct transfer. We can initiate an ACAP or a non ACAP transfer, or even set up a systematic withdrawal in order to fund the account that we'll be opening up for Kurt. In this case, I'll go ahead and add in the bank information. Go ahead and save that information. Finally, at step #9 we can go ahead and arrive at the summary which goes ahead and just again takes a look at the proposal that we're recommending. And best of all, we can go ahead and hit the go to button here, choose review paperwork and Redtail is going to populate the new account application with the information that we've already entered into the proposal. So. As we wait for that to load here, you can see that information from the proposal is being generated and added into the new account application. So information like mailing address, e-mail address, city, it's all populated here. Now of course there are some pieces of information that we'll go ahead and have to enter in ourselves, but what's great about this is it's straight through processing. So we can either print out this application here and use it for filling it out. Physically or this will soon be integrated into the esign process at the custodian. So if you have a DocuSign process or another E signature platform that is specific to your custodian, we can actually integrate in that for straight through processing. So there you have it, a new proposal and new account opening application process all from within one screen in Redtail CRM. Brian, back to you. All right. Well, thank you, Austin. So yeah, look as a reminder any questions that you have of definitely feel free to add those to the chat. We have folks standing by, we'll stick around for a little while to answer some more questions. If we miss something we'll we'll we'll definitely get back to you by e-mail if you have any questions. You know we have a couple resources at the bottom of this slide, you know phone number that you can call, a couple e-mail addresses. So whether it be questions for Redtail or maybe even the financial planning school client portal that we show, we have those. Emails for support. Definitely feel free to reach out to us, but you know, ultimately much want to thank you for your time and you know, we really look forward to working with you in the future. _1726710234882