Core Viewpoint - Third Federal has partnered with Clearstead Advisory Solutions to enhance its wealth management services for customers, providing access to investment management, retirement guidance, and financial planning [1][4]. Group 1: Partnership Details - The collaboration aims to align with Third Federal's customer-centric values, offering tailored wealth management solutions to meet the unique needs of individuals and families [2][4]. - Clearstead Advisory Solutions is recognized as a trusted name in financial advisory, addressing the growing demand for asset management support, especially for retirement planning [3][4]. Group 2: Company Background - Third Federal Savings and Loan Association, founded in 1938, focuses on helping individuals achieve home ownership and financial security, with assets totaling $17.46 billion as of September 30, 2025 [6][7]. - Clearstead Advisory Solutions, a division of Clearstead Advisors, LLC, manages approximately $62 billion in assets for private clients and institutions, integrating financial planning with investment management [8][9].

Core Viewpoint - Franklin Resources, Inc. is a global investment management organization with a mission to enhance client outcomes through investment management expertise and technology solutions [1] Group 1: Company Overview - Franklin Resources operates under the brand Franklin Templeton and serves clients in over 150 countries [1] - The company has over 75 years of investment experience and manages over $1.4 trillion in assets as of June 30, 2023 [1] - It employs more than 1,300 investment professionals and has offices in major financial markets worldwide [1] Group 2: Investment Capabilities - The company offers specialized investment management across various asset classes, including fixed income, equity, alternatives, and multi-asset solutions [1] - Franklin Templeton aims to provide extensive capabilities on a global scale through its specialist investment managers [1]

Roadshow booklet Q4 2025 Investor Relations, 11 February 2026 Strong results for Q4 and FY2025, delivering on strategic priorities 1) Excluding incidentals of 84m and restructuring costs of 99m, including HAL costs of 135m. 2) Pending regulatory approval. 3) Additional distribution of 500m deducted from capital 2 • Good finish to the year with a net profit of 410m, resulting in a full-year return on equity of 8.7% • Solid commercial momentum driving profitable growth: − Continued high new mortgage productio ...

Group 1: Envestnet's Cybersecurity Leadership - Envestnet has appointed Rich Friedberg as the Chief Information Security Officer (CISO) to oversee its cybersecurity protocols, bringing over 25 years of experience in cybersecurity within financial services and national security [2] - CEO Chris Todd emphasized that security, including cybersecurity, is foundational to trust and wealth management, highlighting the strategic importance of Friedberg's role [2][3] - Friedberg will report to the Chief Technology Officer and lead the enterprise information security strategy, focusing on cyber risk management and AI-enabled security operations [3] Group 2: Evolve Private Wealth's Growth and Leadership - Brett Cohen, a former Senior Vice President at Morgan Stanley, has joined Evolve Private Wealth as a managing partner, managing approximately $800 million in client assets during his tenure at Morgan Stanley [4] - Evolve Private Wealth, founded in 2022 and fully independent since January 2025, now manages over $2.5 billion in assets and has a team of 22 employees, expanding its national footprint with Cohen's addition [5] - Cohen specializes in wealth management services for business owners and multigenerational families, focusing on investment strategy, tax planning, estate coordination, and strategic business advice [6]

Core Insights - Cerity Partners, a registered investment advisor with $156 billion in assets, is merging with Verus Investments, which manages approximately $1.2 trillion in client assets, pending regulatory approvals [1][2] - The merger aims to integrate wealth management and institutional investment consulting services, with the deal expected to close by the end of Q1 this year [1][3] Company Overview - Verus, based in Seattle, provides consulting and outsourced chief investment officer services to various institutions, including nonprofits and retirement plans, and is employee-owned with less than 5% of the stake held by senior leadership [2] - Cerity is majority-owned by private equity firm Genstar Capital and has been actively acquiring firms in the wealth management sector, having closed deals with RIAs managing a total of $4.6 billion in client assets in 2026 [4] Strategic Implications - The merger will allow Verus to adopt the Cerity name and enhance its capabilities by integrating national RIA research, technology, and data, along with a team of nearly 100 employees to serve institutional clients [3] - The partnership is expected to expand Cerity's leadership in the institutional space and improve its service offerings for clients of varying sizes and complexities [3] Market Positioning - Cerity's focus on retirement plans has grown to about $18 billion in nondiscretionary assets, partly through acquisitions, including a notable deal for Blue Prairie in 2019 [5] - The merger is anticipated to create efficiencies by leveraging Verus' investment consulting team for Cerity's investment research and decisions, potentially enhancing Cerity's capabilities in private market and alternative investments for high-net-worth retail clients [6][7]

Core Insights - Equitable Holdings, Inc. reported a revenue of $3.74 billion for the quarter ended December 2025, reflecting a decrease of 5.4% year-over-year and a surprise of -7.2% compared to the Zacks Consensus Estimate of $4.03 billion. The EPS was $1.76, up from $1.57 in the same quarter last year, resulting in a positive surprise of +0.64% over the consensus estimate of $1.75 [1][3]. Financial Performance Metrics - Retirement net flows were reported at $1.26 billion, below the average estimate of $1.48 billion from two analysts [4]. - Total asset value in the Retirement segment at the end of the period was $163.86 billion, compared to the average estimate of $177.11 billion from two analysts [4]. - Wealth Management advisory net new assets reached $2.15 billion, exceeding the average estimate of $1.89 billion from two analysts [4]. - Total Wealth Management ending assets were $122.01 billion, slightly below the average estimate of $122.15 billion [4]. - Retirement segment revenues were $1.67 billion, slightly above the average estimate of $1.66 billion from three analysts, representing a year-over-year increase of +70.4% [4]. - Revenue from Retirement investment management, service fees, and other income was $186 million, slightly above the average estimate of $185.87 million, with a year-over-year increase of +97.9% [4]. - Policy charges, fee income, and premiums in the Retirement segment generated $435 million, significantly lower than the average estimate of $810.18 million [4]. - Retirement net derivative losses were reported at -$9 million, worse than the average estimate of -$2.03 million, but showed a year-over-year change of +80% [4]. - Net investment income in the Retirement segment was $1.16 billion, matching the average estimate and reflecting a year-over-year increase of +74.3% [4]. - Policy charges, fee income, and premiums in the Retirement segment were $328 million, exceeding the average estimate of $312.96 million, with a year-over-year increase of +47.1% [4]. - Corporate and Other segment revenues were $557 million, significantly below the average estimate of $845.64 million, but represented a year-over-year increase of +148.7% [4]. - Wealth Management segment revenues were $548 million, surpassing the average estimate of $523.73 million, with a year-over-year increase of +13.9% [4].

Core Viewpoint - Morgan Stanley's diverse business model has led to solid performance, with RBC Capital raising its price target to $207 from $185 while maintaining a Sector Perform rating [1][3]. Group 1: Financial Performance - Morgan Stanley achieved a return on tangible common equity (ROTCE) exceeding 20% [3]. - The Wealth Management segment reported a record pre-tax margin of 31.0%, highlighting its strong performance [3]. Group 2: Business Strategy and Future Outlook - The company plans to leverage operating efficiencies with a projected tax rate of 22-23% in 2026 [4]. - Continued investments in technology and client competencies are anticipated, focusing on artificial intelligence and digital assets [4]. - Morgan Stanley operates as a global financial services company, offering investment banking, securities, wealth management, and investment management services [4].

Core Viewpoint - Hampton Financial Corporation has successfully closed the issuance of shares to settle debt obligations, which is expected to strengthen its balance sheet and reduce operational funding costs, positively impacting 2026 results [1] Group 1: Financial Actions - The company issued 10,528,141 subordinate voting shares to debenture holders to settle obligations under debentures totaling $4 million and a quarterly interest payment of approximately $5.2 million [1] - The shares are subject to a hold period of four months and one day, expiring on May 30, 2026 [1] Group 2: Company Overview - Hampton Financial Corporation is a private equity firm focused on building shareholder value through long-term strategic investments [2] - The company operates through its subsidiary, Hampton Securities Limited, which provides a range of services including family office, wealth management, institutional services, and capital markets activities [3] Group 3: Business Operations - Hampton Securities Limited is a full-service investment dealer regulated by CIRO and registered in multiple Canadian provinces [3] - The company offers investment banking services, including capital raising, mergers and acquisitions advisory, and assistance with listings on recognized securities exchanges [3] - Through its subsidiary, Oxygen Working Capital, the company provides factoring and commercial financing services across Canada [4]

4Q 2025 Investor Presentation January 29, 2026 Safe Harbor The information contained in this investor presentation may contain statements that are not historical in nature but rather are based on management's beliefs, assumptions, expectations, estimates and projections about the future. These statements can sometimes be identified by Arrow's use of forward-looking words such as "may," "will," "anticipate," "estimate," "expect," or "intend." These statements may be "forward- looking statements" within the m ...

Investor Presentation December 2025 FORWARD-LOOKING STATEMENTS Special Note Concerning Forward-Looking Statements. This document contains, and future oral and written statements of the Company and its management may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to the financial condition, results of operations, plans, objectives, future performance and business of the Company. Forward-looking statements, which may be based upon be ...