eMoney Advisor launches version 5.2

Annuity Income Analysis Tool One of Five New Stand-Alone Needs Analysis Modules

CONSHOHOCKEN, Pa., March 10, 2008 -- eMoney Advisor, (, a leading provider of comprehensive wealth and goal planning solutions for financial advisors, today announced that it is introducing Version 5.2 of its eMoney Advisor 360Pro suite of financial planning tools. Included with the software is a sophisticated Annuity Income Analysis Tool, which headlines five new stand-alone Needs Analysis Modules.

The Annuity Income Analysis tool was developed in response to the recent explosion of annuity sales, providing an enhanced functionality that allows advisors to stay ahead of the curve in this booming market. As evidenced by a report on December 19, 2007 by the National Association for Variable Annuities (NAVA), the Association for Insured Retirement Solutions, the combined net assets of U.S. variable annuities increased 2.7% to $1.5 trillion at the end of the third quarter, as compared with the end of the second quarter of 2007. In addition, total premium flows, or total sales, for the first nine months of 2007 were $134.4 billion, a 14.9% increase from the prior year's nine-month sales of $117.0 billion.

Income plays a critical role in many of today's retirement plans. Advisors need to demonstrate the effectiveness of a guaranteed income strategy among variable and changing conditions," said Edmond J. Walters, founder and CEO, eMoney Advisor. "This new functionality enables advisors to give clients the kind of clarity that they are seeking."

The stand-alone modular needs analysis tools are:

1. Annuity Income Analysis - The Annuity Income module examines the use of guaranteed annuity income for covering expenses during retirement. The analysis looks at existing guaranteed retirement income, like Social Security and pensions, and compares them to expected retirement expenses. In the case of a shortfall, it determines the amount of assets that would have to be converted to an annuity to cover the desired expenses.

2. Asset Allocation Analysis - The Asset Allocation module presents the client's current assets broken down by asset class and asset type. The module provides a risk tolerance questionnaire, and the answers provided are used to produce a recommended asset allocation for the client.

3. Business Insurance Analysis - The Business Insurance module examines business partners' needs for liquidity through life insurance. It examines several techniques that can be used to ensure the dual purposes of ensuring the business remains intact while providing the value of a partner's ownership interest to their heirs.

4. Asset Protection Analysis - The Asset Protection module examines a client's available insurance, and the impact of unforeseen events. Death and disability are viewed through the resulting loss of income and homeowner's insurance needs are examined. Finally, the need for an umbrella policy to protect the client across multiple policies is analyzed.

5. Financial Statements Analysis - The Financial Statements module examines the client's basic financial condition, including net worth, income, expenses and current cash flow. The module also provides an analysis of the client's available reserves in the event of an emergency.

In addition, Version 5.2 features improved aggregation, year-end savings and account transfer capabilities as well as an enhanced planning center.

"The introduction of Version 5.2 -- with its new Annuity Planning Module and other important features -- represents a significant leap forward for eMoney Advisor," Walters said. "With nods from some of the leading analysts in our industry, we continue to set the gold standard for professional retirement planning software. We take our leadership role seriously, continually seeking to develop new tools and functionality to support financial advisors in their efforts to build their businesses while doing the best job possible for their clients."

The eMoney 360 and 360Pro software allows financial advisors to supply all-inclusive planning for both affluent and high net worth clients. In addition to the Retirement Income Planning Module, the software includes a dynamic interview process, full financial planning capabilities, Modular Needs Analysis now in 11 categories, Mandatory Spending vs. Guaranteed Income Analysis and Asset Allocation. Advisors can provide clients with all of this information online, on paper or directly to their PDAs and phones.

eMoney's suite of tools are used by leading financial services firms around the country, including such well-known names as AIG Advisor Group, Asset Mark Investment Services, Commerce Bank, First Trust Bank, The Guardian Life Insurance Company of America, LPL Financial, MassMutual Financial Group, MetLife, Mercantile Bank, New York Life, National Life Group, Northern Trust, Principal Financial and Securian Financial Services, among others.

Version 5.2 is due to be launched in late March.

About eMoney Advisor

eMoney Advisor, ( based in Conshohocken, Pennsylvania is a wholly-owned subsidiary of Commerce Bancorp (NYSE: CBH). eMoney's suite of tools is an award-winning, web-based wealth-planning tool that offers an aggregated, comprehensive view of a client's financial portfolio, as well as features and functions that enable more complete planning and better servicing of a client's needs. With the suite of tools, advisors can proactively manage their client relationships by identifying strengths and weaknesses in asset allocation, keeping accounts up-to-date and monitoring significant changes in their clients' financial status.

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