Financial Plan ADVICENT · Proposed Plan Current Plan This report displays a comparison of net worth data in all selected plan scenarios over time. These projections show end-of-year

Financial Plan

PREPARED BY:

Christopher Moser(414) 555-5555

PREPARED FOR:John and Jane Smith

May 05, 2014

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Table of Contents

1Cover Page

2Table of Contents

3Financial Snapshot

4Net Worth Summary - Current Plan

5Net Worth Timeline Comparison

6Cash Flow Outlook - Proposed Plan

9Assets at Retirement

10Retirement Goal Coverage

11Retirement Objective Coverage

12What Are My Retirement Goal Options?

13Probability of Goal Success - Current Plan

14Probability of Goal Success - Proposed Plan

15Education Goal Coverage

16What are my Education Goal Options?

17Current Asset Mix

18Asset Allocation Portfolio Comparison - Suggested - Proposed Plan

19Action Plan

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Financial SnapshotJohn and Jane Smith

Your AdvisorChristopher Moser

(414) 555-5555

Net Worth $1,701,652

Cash Flow $22,685

Probability of Success25%Retirement

0%Marquette University (Jack)

Assumptions

9090Life Expectancy

5961Retire At

3.00%3.00%Inflation Rate

JaneJohn

Goal Coverage74%Retirement

37%Marquette University (Jack)

53%Long Term Care - John

61%Long Term Care - Jane

Asset Allocation

12.40%Standard Deviation

7.11%Rate of Return

(%)($)Asset Class

22.16%$308,000Cash

19.44%$270,200Large Cap Growth Equity

18.07%$251,200Large Cap Value Equity

11.64%$161,800Mid Cap Equity

9.59%$133,300International Equity

5.83%$81,000International Bonds

3.96%$55,000Short Term Bonds

3.70%$51,400Emerging Markets Equity

1.79%$24,900Intermediate Term Bonds

1.49%$20,700Long Term Bonds

$1,390,000Total

2.34%$32,500Others

Insurance CoverageBenefit AmountJohn

$450,000Term 20 Life

$200/dayLong-term Care

Jane

$250,000Term 20 Life

$200/dayLong-term Care

Important: The calculations or other information generated by NaviPlan® version 14.1 regarding the likelihood of various investment outcomes arehypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. These calculations are shown for illustrative purposesonly because they utilize return data that may not include fees or operating expenses, and are not available for investment. If included, fees and otheroperating expenses would materially reduce these calculations.

Prepared by Christopher Moser Page 3 of 19

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Net Worth SummaryCurrent Plan

Net WorthLiabilitiesAssets

This report displays a summary of your net worth information as of the date of plan analysis. Net worth represents the total value of your assets (what you own) after subtracting your liabilities (what you owe). This figure allows you to get a good picture of your overall financial situation.

Your net worth for this plan is: $1,701,652

$1,701,652$45,000$786,652$450,000$420,000Total

$83,348$0$83,348$0$0Liabilities

$395,000$45,000$350,000$0$0Lifestyle Assets

$870,000$0$0$450,000$420,000Qualified Assets

$520,000$0$520,000$0$0Non-Qualified Assets

TotalCommunityProperty

JointJaneJohn

Assets

Net Worth Summary as of 3/3/2014



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Net Worth Timeline Comparison

Proposed Plan

Current Plan

This report displays a comparison of net worth data in all selected plan scenarios over time. These projectionsshow end-of-year values beginning with the year of plan analysis and are projected until the death of the lastsurviving client. Use this report to compare the effects of different plan scenarios on net worth.



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Cash Flow OutlookProposed Plan

This report projects detailed cash flow information over the next five years for the selected plan scenario.Cash inflows and outflows are organized by category and then summarized as aggregate totals; this strategyprovides a holistic picture of the projected cash flow situation without sacrificing detailed information. Usethis report to analyze the cash flow situation over the next five years for the selected plan scenario.

57/552016

58/562017

59/572018

55/532014

56/542015

John/JaneAgeYear

Cash Inflows

$102,907

$88,055

$8,000

$10,000

$208,962

$0

$0

$0

$0

$0

$0

$0

$0

$446

$271

$2,786

$364

$27,073

$30,940

$239,902

$105,995

$90,696

$8,000

$10,000

$214,691

$1,695

$14,268

$1,373

$25,446

$42,782

$0

$0

$0

$664

$316

$2,220

$310

$27,573

$31,083

$288,556

$109,174

$93,417

$8,000

$10,000

$220,592

$2,510

$14,797

$1,424

$26,389

$45,120

$0

$0

$0

$895

$324

$1,602

$251

$28,049

$31,122

$296,834

Earned Income

John Salary

Jane Salary

John Bonus

Jane Bonus

Total

Non-Qualified Liquidations

Marquette University Fund

Joint Savings

Joint Checking

Joint Investments

Total

Investment Income

*Accrued Income - Interest

*Accrued Income - Dividends

*Accrued Income - Short Term ...

Retirement Fund


Joint Savings

Joint Checking

Joint Investments

Total

Total Cash Inflows

$97,000

$83,000

$8,000

$10,000

$198,000

$0

$25,250

$9,671

$243,947

$278,868

$503

$1,534

$2,983

$58

$36

$2,203

$379

$24,010

$31,706

$508,574

$99,910

$85,490

$8,000

$10,000

$203,400

$0

$0

$0

$0

$0

$0

$0

$0

$245

$150

$2,689

$354

$25,680

$29,118

$232,518

Cash Outflows



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57/552016

58/562017

59/572018

55/532014

56/542015

John/JaneAgeYear

$60,471

$13,200

$340

$74,011

$0

$0

$24,000

$17,000

$41,000

$2,700

$2,400

$0

$0

$0

$5,100

$0

$321

$193

$1,982

$19,445

$257

$22,197

$4,774

$300

$144

$3,600

$3,600

$12,418

$62,285

$13,200

$0

$75,485

$40,100

$40,100

$25,000

$17,000

$42,000

$2,700

$2,400

$0

$0

$0

$5,100

$0

$464

$218

$1,529

$19,244

$211

$21,666

$4,917

$300

$144

$3,600

$3,600

$12,561

$64,154

$13,200

$0

$77,354

$42,105

$42,105

$25,500

$17,000

$42,500

$2,700

$2,400

$0

$0

$0

$5,100

$0

$626

$223

$1,103

$19,590

$170

$21,712

$5,065

$300

$144

$3,600

$3,600

$12,709

Lifestyle Expenses

Aggregate Expenses

Mortgage

Honda Accord Loan

Total

Education Expenses

Marquette University

Total

Qualified Contributions

John's 401k

Jane's 401k

Total

Non-Qualified Savings

Retirement Fund


Joint Savings

Joint Checking

Joint Investments

Total

Non-Qualified Reinvestments

*Income already represented in...

Retirement Fund


Joint Savings

Joint Investments

Joint Checking

Total

Miscellaneous Expenses

Residence

Group Insurance

Group Insurance

LTC Insurance

LTC Insurance

Total

$57,000

$13,200

$5,427

$75,627

$0

$0

$23,000

$17,000

$40,000

$2,025

$1,800

$25,250

$7,500

$188,875

$225,450

$5,020

$34

$20

$534

$0

$42

$5,649

$4,500

$300

$144

$3,600

$3,600

$12,144

$58,710

$13,200

$5,427

$77,337

$0

$0

$23,500

$17,000

$40,500

$2,700

$2,400

$0

$0

$0

$5,100

$0

$141

$85

$1,524

$14,783

$198

$16,731

$4,635

$300

$144

$3,600

$3,600

$12,279



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57/552016

58/562017

59/572018

55/532014

56/542015

John/JaneAgeYear

$3,030

$12,956

$11,453

$31,198

$58,636

$213,362

$3,113

$13,311

$12,477

$34,560

$63,461

$260,374

$3,199

$13,677

$12,894

$35,847

$65,617

$267,097

Taxes

Medicare Tax

Social Security Tax - Employment

State Income Tax

Federal Income Tax

Total

Total Cash Outflows

$9,356

$12,276

$21,526

$77,705

$120,862

$479,733

$2,949

$12,611

$11,005

$29,937

$56,502

$208,449

$26,540 $28,183 $29,737Surplus/(Deficit) $28,842 $24,069



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Assets at Retirement

$3,383,460$3,833,393$2,302,933$2,728,489Total Assets

-$441,810-$417,678Lifestyle Assets

$2,788,531$2,788,531$1,665,449$1,665,449Qualified Assets

$594,930$603,052$637,484$645,362Non-Qualified Assets

FundingRetirement

TotalFundingRetirement

Total

Proposed PlanCurrent PlanAsset Summary

Current Plan Proposed Plan

This report displays the total assets available to fund the retirement goal-in the year of retirement-for theselected plan scenarios. The assets shown in this report include those specifically designated for theretirement goal as well as other unallocated assets (i.e. Business and Real Estate Assets). Use this report todetermine the total assets available to fund retirement.



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Retirement Goal Coverage

--2039Year of First Shortfall

$5,628,896$981,938Net Worth at Plan End

$3,833,393$2,722,107Net Worth at Retirement

Plan Overview

7.34%7.34%Retirement Rate of Return

8.77%7.34%Pre-Retirement Rate of Return

$0$0Additional Lump Sum Savings

$225$0Additional Monthly Savings

$4,003$4,003Current Monthly Savings

$1,207,500$1,320,000Assets Funding Retirement

$142,899$154,3661st Year Retirement Needs*

3.00%3.00%Inflation Rate

9090JaneLife Expectancy -

6359JaneRetirement Age -

9090JohnLife Expectancy -

6561JohnRetirement Age -

Proposed PlanCurrent PlanAssumptions

STRONGPARTIAL

INSUFFICIENT

Current - 74%

Proposed - 100%

RETIREMENT GOAL COVERAGEThis report shows progress towards theretirement goal. That is, your ability tocover expenses, pay taxes, and maintaindiscretionary spending during yourretirement. The chart to the rightcompares your current situation to therecommended plan.

The table below contains a comparisonof assumptions, needs, and other goalsin both the current situation and in allother situations.

* = Today's Dollars



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Retirement Objective Coverage

This report compares retirement income needs to retirement incomes and assets. Under the current plan, 74% of your retirement income needs are met, under the proposed plan 100% of these needs are met.

Current Plan

Proposed Plan



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What Are My Retirement Goal Options?

STRONGPARTIAL

INSUFFICIENT

Current - 74%

Proposed - 100%

This report displays a list of possibleoptions for each plan scenario that—ifundertaken—will help to achieve theretirement goal. The figures presented inthis report are based on the assumptionsentered in the plan. Since marketfluctuations play a significant role inplanning for a successful goal, you mayneed to adjust your plan assumptions toaddress these fluctuations. Use thisreport to analyze possible methods tofully achieve the retirement goal.

RETIREMENT GOAL COVERAGE

Goal Coverage is 100%Proposed Plan

Jane retires in 2/2024 at age 63

John retires in 6/2024 at age 65

Save $418,895Increase your monthly savings by $7,143

Alter annual spending by82% ($118,080)

Current Plan

Retire InSave a Lump SumSave MonthlyAlter Spending



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Probability of Goal SuccessCurrent Plan

GOAL SUCCESS: ALL GOALSUnderstanding the potential success or failure of your financial goals is an important step in reaching those goals. You must first determine the current likelihood of reaching your goals in order to know what actions, if any, are needed. The results below are based on 500 trials. For more details on the Monte Carlo projections for each goal, see the report within the relevant goal section.

Probability of Success



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Probability of Goal SuccessProposed Plan

GOAL SUCCESS: ALL GOALSUnderstanding the potential success or failure of your financial goals is an important step in reaching those goals. You must first determine the current likelihood of reaching your goals in order to know what actions, if any, are needed. The results below are based on 500 trials. For more details on the Monte Carlo projections for each goal, see the report within the relevant goal section.

Probability of Success



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Education Goal CoverageMarquette University (Jack)

STRONGPARTIAL

INSUFFICIENT

Current - 37%

Proposed - 100%

EDUCATION GOAL COVERAGEThis report reflects how successful youreducation goal is projected to be underthe current plan and how successful youmay be given other scenarios.

This education goal is for Jack, and it begins at age 18. There are many strategies that can help achieve this education goal. Understanding where you are today is just the starting point for achieving this goal.

$40,100$40,100Projected Abilities at Goal Date

4/1/20144/1/2014Lump Sum Savings Date

$0$0Additional Lump Sum Savings

4/1/20144/1/2014AMS Start Date

0.00%0.00%AMS Index Rate

$200$0Additional Monthly Savings (AMS)

$0$0Current Monthly Savings

Never2018Year of First Shortfall

5.69%1.66%Capital Return Rate

$175,000$62,500Capital Available Today

Resources

$172,837$172,837Estimated Total Cost

100%100%Expense % Coverage

44Duration of Goal

20172017Start Year of Education

5.00%5.00%Annual Cost Index Rate

$34,640$34,640Estimated Cost per Year (Today's $)

Proposed PlanCurrent PlanCosts



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What Are My Education Goal Options?Marquette University (Jack)

Goal Coverage is 100%Proposed Plan

Save $103,694Increase your monthly savings by $1,554

Alter annual spending by 36% ($12,745)

Current Plan

Save a Lump SumSave MonthlyAlter Spending

EDUCATION GOAL COVERAGEThe following options will help you toachieve 100% success for your educationgoal. Reducing expenses, saving moreeach month, and saving a lump sumamount today are all strategies that canhelp you reach your education goals. Youcan use any of these options alone; or,you can use a combination of several toreach 100% goal coverage.

STRONGPARTIAL

INSUFFICIENT

Current - 37%

Proposed - 100%



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Rate of Return - 7.11% Standard Deviation - 12.40%

Current Asset Mix

This report displays the current asset mix-the asset mix in use as of the plan analysis date. This report showsdetailed asset information including standard deviation and rate of return for each asset class. Use this reportto demonstrate the current asset mix.

%Market ValueAsset Class

19.44%$270,200Large Cap Growth Equity

18.07%$251,200Large Cap Value Equity

11.64%$161,800Mid Cap Equity

1.37%$19,000Small Cap Equity

9.59%$133,300International Equity

3.70%$51,400Emerging Markets Equity

1.49%$20,700Long Term Bonds

1.79%$24,900Intermediate Term Bonds

3.96%$55,000Short Term Bonds

0.97%$13,500High Yield Bonds

5.83%$81,000International Bonds

22.16%$308,000Cash

$1,390,000Total

© 2013 Ibbotson Associates, Inc. All Rights Reserved. Ibbotson is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Ibbotson developsproprietary asset allocation tools that are used for educational purposes only. Ibbotson has granted to Advicent Solutions, LP a license to use these asset allocationtools. Morningstar and Ibbotson are not affiliated with Advicent Solutions.



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Asset Allocation Portfolio Comparison - SuggestedProposed Plan

This report compares your current asset mix to your suggested asset mix for your entire portfolio.

Standard Deviation - 11.93%

Rate of Return - 7.34%

Standard Deviation - 12.40%

Rate of Return - 7.11%

Current Asset Mix Suggested Asset MixInvestor Profile: Current - Rebalanced Investor Profile: Moderate

Change%Market Value%Market ValueAsset Class

SuggestedCurrent

-8.44%11.00%$152,90019.44%$270,200Large Cap Growth Equity

-4.07%14.00%$194,60018.07%$251,200Large Cap Value Equity

-2.64%9.00%$125,10011.64%$161,800Mid Cap Equity

4.63%6.00%$83,4001.37%$19,000Small Cap Equity

3.00%3.00%$41,7000.00%$0US REITs

4.41%14.00%$194,6009.59%$133,300International Equity

-0.70%3.00%$41,7003.70%$51,400Emerging Markets Equity

2.51%4.00%$55,6001.49%$20,700Long Term Bonds

11.21%13.00%$180,7001.79%$24,900Intermediate Term Bonds

5.04%9.00%$125,1003.96%$55,000Short Term Bonds

4.03%5.00%$69,5000.97%$13,500High Yield Bonds

0.17%6.00%$83,4005.83%$81,000International Bonds

-19.16%3.00%$41,70022.16%$308,000Cash

$1,390,000$1,390,000Total

© 2013 Ibbotson Associates, Inc. All Rights Reserved. Ibbotson is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Ibbotson developsproprietary asset allocation tools that are used for educational purposes only. Ibbotson has granted to Advicent Solutions, LP a license to use these asset allocationtools. Morningstar and Ibbotson are not affiliated with Advicent Solutions.

*Note: Modifications have been made to the suggested asset mix. As a result, the implemented asset mix will be used.



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For: John and JaneAction Plan

CompletedDue DateActions

Asset Allocation

Retirement:· Defer retirement for John & Jane by 4 years · Reduce travel expenses by 30% in retirement years · Save an additional $225 per month towards

retirement · Reallocate overall portfolio to Moderate Aggressive

during pre-retirement years · Reallocate overall portfolio to Moderate during

retirement years Education:

· Cover 100% of Marquette tuition · Save an additional $200 per month towards tuition · Change goal funding of Joint Investment account

reserving 25% for tuition and the remainder for retirement



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Documents

Financial Plan ADVICENT · Proposed Plan Current Plan This report displays a comparison of net worth data in all selected plan scenarios over time. These projections show end-of-year