MoneyAvatar

A virtual financial expert that eliminates
the stress of your money life.

You’ll save hundreds of dollars a year.
$33.3
Billion
Avoid Overdraft Fees
Amount U.S. Banks in overdraft
fees during 2016. That’s an
average of $264 per household.
$7
Billion
Eliminate Late Payment Fees
Amount Americans pay annually
for late credit card payments.
That’s $56 per household.
$41
Prevent Interest Rate Increases
The increase in the monthly car
payment for a borrower who
made a payment 30 days late.*
It never forgets so you’ll never forget.
MoneyAvatar automatically provides alerts and reminders for
monthly bills, ACH withdrawals, annual subscription renewals, and more.
*Hypothetical $20,000, five-year auto loan for a consumer who started with a FICO score of 680.

You’ll love getting multiple functionalities from one service
Banking
& Bill Pay
Student
Loans
Manage
Cash
Flow
Tax Prep
Broker
Credit
Cards
IRA
401(k)
403(b)
HSA
Mortgage
Plan, Organize, and Manage Your Money Life in One Place.
You don’t need separate apps for banking services, budgeting, insurance, automated savings, ID protection,
retirement plan, tax preparation, and other financial activities—including those shown above. MoneyAvatar is
your single solution for all things money, as it integrates them for an easy-to-use, consolidated solution.

Setup an unlimited number of goals and desires
Small Goals
Personal gifts
Minor purchases
Subscriptions
Weekend trip
Large Goals
Pay off debt
New car
Down payment
European vacation
Kid’s education
Retirement
Drag and drop prioritization.
MoneyAvatar allows you to establish an unlimited number of goals, regardless of size.
Each goal can be assigned to specific financial accounts/assets (digital envelopes).

The desktop view of your financial plan dashboard.

How would it feel to be in control
of your money life?
Greg and Melissa are now saving hundreds
of dollars a year that were going to late fees
and overdraft charges.
We have hope.
“Our financial dysfunction cost
us a lot of money. MoneyAvatar
eliminated late fees and
overdraft charges. Now, we are
saving money each month
instead of paying those
unnecessary penalties.”
How would it feel to be in control of
your money? Imagine a life where
you:
• Make payments on time.
• Know that money is there to cover
every purchase.
• Have savings for emergencies.
MoneyAvatar puts you in control by
providing a centralized and
integrated view of your:
• Assets and liabilities.
• Income and expenses.
• Money-related documents.
• Real-time, dynamic financial plan.

Obtain visibility into your money life.
Leslie is saddled with student debt. Her
peace of mind comes from knowing she is
doing all that she can with what she has.
I am doing my best.
“I was spending too much on
items that I didn’t need.
MoneyAvatar is helping me make
better financial decisions.
Knowing that I am making real
progress provides me with
financial peace of mind.“
You’ll have visibility into your
money—and your money life—so
that you can:
• Anticipate bills.
• Make informed decisions in
advance.
• View simulations of the choices
you make.
MoneyAvatar will provide you with
the information and guidance that
will allow you to do the best that
you can with your money.

What are your goals and desires?
What are your goals and desires?
Len and Carol have been disciplined savers.
Yet, they are not sure if they have enough to
pay for everything on their list.
We have goals and desires.
“We have desires to travel
internationally. However, we
don’t want to come up short
during retirement. MoneyAvatar
allows us to plan with
confidence. Each of our goals is
attached to a funding source.”
• International Travel
• Own a vacation home
• Helping the grandkids with
college costs
• Buy a Harley-Davidson
As couples approach retirement,
they often wonder if they can do it
all. MoneyAvatar helps people
identify which goals and desires can
be funded, and when they’ll have
the cash to proceed.

Invest with Confidence. Many
members of the financial media
and other ‘experts’ keep harping
about fees as if cost was the only
criteria for making an investment.
Your information is encrypted. Use
MoneyAvatar with the confidence that all
of your data and information is safe.
MoneyAvatar Gets to Know You
MoneyAvatar’s intelligent agents will
study your transaction history to:
• Observe your behaviors.
• Learn your preferences.
• Determine your tolerance for risk.
Its learning allows MoneyAvatar to
make personalized recommendations.
While one-size-fits-all suggestions
to invest in an S&P 500 index fund
might reduce investment costs, it
may leave some exposed to more
risk than necessary.
Proprietary algorithms found in
CrunchMyPortfolio allow
MoneyAvatar to recommend an
optimal asset allocation (using lowcost
ETFs) to minimize risk for each
individual or couple.
MoneyAvatar will provide you with
a very efficient, cost-effective, lowvolatility
portfolio recommendation
based on your goals and objectives.

MoneyAvatar delivers the
• Right Information,
• At the Right Time,
• On the Right Device (phone, tablet, laptop,
desktop, or smart speaker system)…
…to enable you to make money decisions and
take actions every day to help you achieve
your goals and dreams.
MoneyAvatar works on all devices.
Wherever you go, your money
guardian angel is with you 24x7.
MoneyAvatar
By WealthPhase, Inc.
www.wealthphase.com
For the first time, you and your family won't
be alone...You will have MoneyAvatar! Your
personalized assistant that is always with you
to answer questions, provide guidance, show
you opportunities to grow your wealth, avoid
costs, and protect your future.
In terms of your money life, MoneyAvatar is
your best friend and guardian. It helps you
make, save, and use money with the
confidence that you didn’t have before.