Currence vs Invst Freedom Embark

Currence lets you spend and save smarter. Ensure you are in total control of your financial picture and put structure to your cash flow and achieve Financial Freedom Faster™. Our proprietary “Reservoir” account captures income before it gets spent. Plus, insights into your financial health give you the opportunity to create new passive income streams that can grow your wealth faster. Currence helps you maximize your savings and wealth 1. Get connected cash flow: Achieve better visibility and insights to your cash flow health when you connect all your accounts, plus competitive interest rates for faster returns than a traditional savings account. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. 2. Gain complete control: Streamline cash flow management alongside a financial professional or unlock effective money management on your own. 3. Grow effortless savings: Cultivate and integrate new income streams as savings increase, amplifying opportunities to invest in the future over time. Save first and spend later. Accumulate wealth. Step 1: If you have a financial advisor, they can invite you to the Currence platform so you both have full visibility of your savings and spending. Currence makes this easy as your income will flow through a central account we call a Reservoir. Step 2: Once you connect your bank account to the Currence app, watch your Reservoir organize your income and your spending, making it easy to save. Step 3: This then creates the opportunity for you to increase wealth accumulation with smarter spending and saving choices. Flip Your Flow® with Currence to easily control your net cash flow and save more. Financial Professionals recommend Currence because it creates transparency with clients. Gain even more confidence in recommendations from your advisor with shared cash flow visibility. Currence is how Smart Money Flows®. Download the app today and visit us at livecurrence.com to join the movement. Disclosure: Currence, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions. There is no guarantee of accumulation and free cash flow. Non-deposit investment accounts linked to Currence are not FDIC insured and FDIC insurance does not protect you against Currence’s insolvency or bankruptcy.

Transform Your Financial Future with Personalized Wealth Management Invst is your comprehensive personal wealth management platform designed to help you live the life you want by making money work for you. Whether you're just starting your financial journey or looking to optimize your existing strategy, our app provides the tools, guidance, and expertise you need to build lasting wealth. WHAT MAKES INVST UNIQUE • Personalized Financial Life Scorecard - Get a complete assessment of your financial health across Protection, Assets, Liabilities, and Cash Flow • AI-Powered Recommendations - Receive tailored advice based on your unique financial situation and goals • Expert Advisor Network - Connect with certified financial advisors when you need professional guidance • Interactive Onboarding Journey - Complete questionnaires that adapt to your responses for maximum personalization • Real-Time Progress Tracking - Monitor your financial improvement with dynamic scorecards and actionable tasks KEY FEATURES Financial Health Assessment: Comprehensive 20-question Financial Life Scorecard Instant scoring across four critical financial categories Personalized improvement recommendations Track progress over time Smart Wealth Building Tools: Real-time net worth calculation Cash flow analysis and budgeting tools Investment portfolio tracking and optimization Protection planning for insurance and estate needs Personalized Action Plans: Custom task lists based on your scorecard results Step-by-step guidance for financial improvements Priority-based recommendations for maximum impact Progress tracking with completion rewards Professional Support: Connect with certified financial advisors Schedule consultations and planning sessions Receive professional financial plans and deliverables Access to wealth management expertise Phase 1 - Peace of Mind & Harmony: Discover your WHY and financial motivations Identify WHO you want to become financially Set up your financial GAMEBOARD Phase 2 - Value & Wealth: Learn the 15 essential financial RULES Master wealth-building EXECUTION strategies ACCELERATE your path to financial freedom PRIVACY & SECURITY Your financial data is protected with: Bank-level 256-bit encryption Secure cloud storage Privacy-first data handling No selling of personal information Compliance with financial industry standards EDUCATIONAL RESOURCES Curated financial news and insights Educational content library Market updates and analysis Financial planning guides and tools FOR EVERYONE Perfect for: Young professionals starting their financial journey Families planning for the future Pre-retirees optimizing their strategy Anyone seeking financial clarity and direction START YOUR JOURNEY TODAY Download FinAdvice and take the first step toward financial freedom. Complete your Financial Life Scorecard in just 10 minutes and discover your personalized path to wealth. "A Personal Wealth Management Building Program Designed FOR YOU, BY YOU So You Can Live A Wealthy, Work-Optional Life Before & Beyond Retirement"