Security is one of the pillars upon which eMoney Advisor was built, and we are proud
of the system we have implemented to protect the security and integrity of your
data throughout every component of the eMoney Advisor service.
Your data is secured through a combination of technology, system design and architecture
and strict policies and procedures. The below material explains some of the
measures used to protect your data.
Firewalls – All eMoney Advisor equipment and applications are secured behind
firewalls. Firewalls are security devices that create a barrier between the wide-open
Internet and the equipment and applications used by eMoney Advisor. Firewalls limit
ways that can inflict harm on data, equipment or applications. All traffic detected
to and from eMoney’s system must pass through these firewalls, including access from
the eMoney Advisor intranet. The firewalls are also used to separate databases containing
your data from eMoney's web and application servers.
Intrusion Detection - The entire production network is monitored and policed
for intrusion attempts 24 hours a day, 7 days a week. Any detected intrusion attempts
are analyzed to determine the identity of the intruders and the extent of the intrusion.
Password Protection and Data Security - Every user's password and account data
are stored and transmitted in an encrypted format at all times across multiple, distributed
database systems, all securely housed at a state of the art third party hosting service
that provides enhanced physical security, fire protection and electronic shielding. No
one but the user has access to such user’s password.
Audits and Inspections - The eMoney Advisor security infrastructure is regularly
audited and inspected to ensure the security tools utilized are up to date.
SSL - All information is transmitted through Secure Socket Layer (SSL), which
creates an encrypted connection between a user's browser and the eMoney Advisor web
servers. This prevents information from being stolen while it is being transmitted over the Internet.
For additional information concerning eMoney Advisor and Client Security,
The results generated by the eMoney interactive analysis tool are hypothetical and based on the information provided by you. The Monte Carlo simulation that may be part of this presentation seeks to approximate actual investment market volatility by adding random investment returns. The result of introducing random investment volatility to the analysis produces a range of values that demonstrates how changing investment markets may impact your future plans. The Monte Carlo simulation uses randomly selected return and volatility data of market indexes and applies cash flow and tax calculations based on the facts and assumptions you have provided to produce a trial run. The market indexes are assigned to investment accounts and portfolios to represent component asset classes. In each trial run, a rate of return is generated for each asset class using the mean and standard deviation of the market index in the randomly chosen year. Up to 1000 trial runs are calculated resulting in a range of values that is further analyzed to produce a statistical probability for your planning strategies. The Worst-Case scenario represents the worst 80% of all projections and the Likely Case scenario represents the middle 60% of all projections. Carefully consider the high, low, and average values in terms of how comfortable you would be with those results. Keep in mind it is impossible to predict future investment results and this analysis should be monitored over time. IMPORTANT: The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. Other investment not considered might have characteristics similar or superior to those analyzed in this report.