Equitable Mobile App vs LTR Plans

Our Equitable Mobile app offers new features and functionality so you can manage your accounts on the go. Convenient access to your accounts: • Support for touch FaceID® and TouchID® • View all your Equitable accounts in one view • Access to up to seven years’ worth of documents where available Manage your accounts and investments in one place: • Review activity and balances • Research and change your investment options • Keep your important information up to date under profile • Schedule and make payments Helping you stay connected: • Find your Financial Professional’s contact information • Chat with customer service during business hours for available products Our Equitable Mobile app is protected by safeguards similar to those we use to protect your privacy and security online. You can visit our usage agreement and online privacy policy to learn more. Download the Equitable Mobile app today to simplify managing your retirement and investment accounts. Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY), Equitable Financial Life Insurance Company of America, an AZ stock company with main administrative headquarters in Jersey City, NJ, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN). GE2887944 (6/20) (Exp.6/22)

Your budget is incomplete. You've probably got the basics covered — monthly expenses and savings for standard long-term needs (retirement, maybe college). If you're really on the ball you've factored quarterly and annual expenses into your savings plan. But have you factored in those expenses that are not going to happen until next year, or the year after, or in seven years? Do you even know what those expenses are and how much you'll need? Every person, especially home-owners, has assets that will eventually need replacing — cars, laptops, phones, roofs, HVAC systems, appliances, water heaters, and more. Does your current budget factor in all these things? Everyone needs a Long Term Replacement (LaTeR) Plan. With a good plan, you can add ONE more line item to your monthly budget to fund all those expenses that are coming your way. Finish your budget! How it works: Create a plan, and enter how much you've already set aside (or can set aside) in savings for your LTR Fund. Record your assets with their expected lifespans and replacement costs. LTR Plans automatically schedules future replacements, adjusts for inflation, and calculates the exact monthly contribution needed to keep your replacement fund healthy — for decades. Key Features: • Add assets to your plan from a list of common choices, or entirely customized • Month-by-month fund projections with interest, contributions, and expenses • Required contribution calculator — know the minimum you need to save • Designate a future replacement as being funded elsewhere to remove it from future calculations • Self-sustaining balance analysis — how much is needed to fully fund the plan without further contributions • Category-specific inflation rates for accurate long-term projections • Multiple plans for different properties or scenarios • Full backup & restore • Multi-platform: iPhone, iPad, or Mac • iCloud sync