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 is the slidedeck used during the 9/21/16 webinar, “How FinTech is Changing Personal Finance” which highlighted 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. The webinar is available on-demand at https://www.brighttalk.com/webcast/9407/193819

1. How FinTech is Changing Personal Finance
Free 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 Dally
CEO of GROUNDFLOOR
Jim Jones
VP of Business Development
IRA Services Trust Company
Sally Outlaw
CEO of Worthy,
Recognized Crowdfunding Author

2. © 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

3. 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/

4. 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.

5. “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

6. “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

7. The Rules Are Changing

8. The Investment Products Are Changing

9. A Growing Dissatisfaction with Conventional Assets

10. 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.

11. The Way Investment Products are Accessed is
Changing

12. Investing Mindsets Are Changing

13. 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."

14. The People Are Demanding Wealth Equality

15. 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

16. They Want A New Financial System

17. My Take on the Recent Industry Turmoil

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

19. The only thing that goes straight up is a rocket

20. Turbulence and uncertainty breed
innovation and new leaders!

21. New Leadership is Emerging
Better 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.

22. New Leadership is Emerging
More 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.

23. IRAeXchange is redefining retail
retirement distribution
New Leadership is Emerging
Retirement 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!

24. How FinTech is Changing Personal Finance
Free 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 Dally
CEO of GROUNDFLOOR
Jim Jones
VP of Business Development
IRA Services Trust Company
Sally Outlaw
CEO of Worthy,
Recognized Crowdfunding Author

40. How FinTech is Changing Personal Finance
Free 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 Dally
CEO of GROUNDFLOOR
Jim Jones
VP of Business Development
IRA Services Trust Company
Sally Outlaw
CEO of Worthy,
Recognized Crowdfunding Author

56. How FinTech is Changing Personal Finance
Free 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 Dally
CEO of GROUNDFLOOR
Jim Jones
VP of Business Development
IRA Services Trust Company
Sally Outlaw
CEO of Worthy,
Recognized Crowdfunding Author

57. Redefining Retail
Retirement Distribution

58. © 2016 IRA Exchange, All Rights Reserved
James A Jones
Vice President Business Development
IRA Services Trust Company
CEO
IRAeXchange.net

59. 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.

60. The Retirement Market
IRA value surpassed corporate 401k’s for the
first time ever in 2015!

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

62. Investor Portfolio Analysis of Asset classes
• American Association of Individual Investors
• *50% Fixed Income – 50% Diversified Stock
• * loss of 16% in a bad year

63. Investor Portfolio Analysis of Asset classes
• American Association of Individual Investors
• *50% Crowd Centric Alternatives – 50% Diversified Stock
• * 11% Annual Growth

64. 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

65. 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…

66. 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

67. Yet, only about 1% of investors are utilizing Self-Directed IRA’s
•Industry is craving:
•Technology Integration
•Education
•Retail distribution solutions

68. 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

69. 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

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

71. 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

72. 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 Dally
CEO of GROUNDFLOOR
Jim Jones
VP of Business Development
IRA Services Trust Company
Sally Outlaw
CEO of Worthy,
Recognized Crowdfunding Author