Sample report with_scenarios_and_survivor_needs[1]

Envision Presentation
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Tom DeVol, Registered Representative
Sammons Securities, LLC
62 Harding Street, Newton, MA 02465
617.964.6404

Securities offered through Sammons Securities Company,
Member FINRA/SIPC

Sample Report

This is a Preliminary Report
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Envision Susan & Jim

Table Of Contents
Cover Page 1
The Envision Process 5
Net Worth Statement 6
Net Worth By Type Graph 8
Net Worth By Person Graph 9
Insurance Summary 10
Liabilities Summary 11
Envision Action Plan Review - Client Notes 12
Profile Summary Data 15
Your Goals 19
The Investment Plan Result 20
Investment Plan Result for Your Goals 21
Recommended Investment Plan 23
Achieving Your Goals 25
Sensitivity Analysis 26
Current vs. Strategic Allocation Plan Results 27
Monitoring Your Recommended Investment Plan 28
Target Zone-Long Term 29
Sources of Funding 30
Goal Funding Summary - Recommended Investment Plan 31
Scenario Comparison 32
Survivor Needs Results 34
Introduction to Estate Planning 36
Introduction to Estate Taxes 38
Federal Estate Tax Changes 40
Strategic Allocation Investment Objectives 41
The Strategic Allocations 42
Current vs Strategic Allocation - Asset Class 45

08/20/2010 © 2001-2010 Financeware, Inc. patents pending Page 2 of 115

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Current vs Strategic Allocation - Asset Class with Securities 46
Current vs Strategic Allocation - Asset Class Type 47
Current vs Strategic Allocation - Asset Class Type with Securities 48
Current vs Strategic Allocation - Asset Class Sub Type 49
Current vs Strategic Allocation - Asset Class Sub Type with Securities 51
Current vs Strategic Allocation - Asset Class Detail 53
Current vs Strategic Allocation - Asset Class Detail with Securities 55
Current vs Strategic Efficient Frontier 57
Account Summary 58
Range of Simulation Possible Outcomes 61
Growth Detail Graph 62
Growth Detail Percentile Rankings 63
Total Investment Plan Target Values - Recommended Investment Plan 67
Target Investment Plan Tax Treatment - Recommended Investment Plan 69
Target Taxable Investment Plan Value - Recommended Investment Plan 71
Target Tax Advantaged Investment Plan Values - Recommended Investment Plan 73
Summary of Cash Flows - Recommended Investment Plan 75
Cash Flow Detail - Contributions - Recommended Investment Plan 78
Cash Flow Detail - Income from Other Sources - Recommended Investment Plan 80
Cash Flow Detail - Withdrawals - Recommended Investment Plan 82
Investment Plan Assumptions 85
Disclosures 86
Portfolio Summary 93
Portfolio Summary - Security Detail 94
Portfolio Diversification 95
Portfolio Diversification - Security Detail 100
Realized Gain and Loss 105
Realized Gain and Loss - Security Detail 106
Unrealized Gain and Loss 107


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Unrealized Gain and Loss - Security Detail 108
Initial Investment (Gain/Loss) - Position 110
Initial Investment (Gain/Loss) - Lot 111
Understanding Your Portfolio 112
Market Commentary 114


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The value of the conversation
The Envision process SM

IMPORTANT: The projections or other information Envision generates regarding the likelihood of various investment outcomes are hypothetical in nature, do not
reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.

Envision methodology, selection criteria and key assumptions: Envision's simulation model incorporates assumptions on inflation, financial market returns, and
relationships between these variables based on an analysis of historical data. Using Monte Carlo simulations, Envision simulates thousands of potential outcomes
over a lifetime of investing. The varying historical risk, return and correlation between the assets is based on indexes over several market cycles. Elements of this
report's presentations and simulation results are under license from Financeware Inc. U.S. Patents 7,562,040, 7,650,303 and 7,765,138. Other U.S. and international
patents pending. All Rights Reserved.


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Net Worth Statement
Investment Assets
Internal/ Joint &
Account Description Taxation Jim Susan Total
External Dependent
Accounts included in the Envision Plan
Jim's PSP Deferred
88888888 External Deferred $1,500,000.00 $0.00 $0.00 $1,500,000.00
Susan's IRA
88888888 External Deferred $0.00 $250,000.00 $0.00 $250,000.00
John's 529 Plan
Tax
88888888 External Advantaged $130,000.00 $0.00 $0.00 $130,000.00
Education
Sara's 529 Plan
Tax
88888888 External Advantaged $120,000.00 $0.00 $0.00 $120,000.00
Education
Joint Account
88888888 External Taxable $250,000.00 $0.00 $0.00 $250,000.00
Sub Total $2,000,000.00 $250,000.00 $0.00 $2,250,000.00
Investment Assets
Internal/ Joint &
Account Description Taxation Jim Susan Total
External Dependent
Accounts not included in the Envision Plan
Sub Total $0.00 $0.00 $0.00 $0.00
Personal Assets
Joint &
Description Type Jim Susan Total
Dependent
Sports Collectibles* Collectibles $0.00 $0.00 $100,000.00 $100,000.00
Home/Real
123 Home* $0.00 $0.00 $500,000.00 $500,000.00
Estate
Sub Total $0.00 $0.00 $600,000.00 $600,000.00


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Business Assets
Joint &
Dependent
Taylor Dental* LLC $350,000.00 $0.00 $0.00 $350,000.00
Sub Total $350,000.00 $0.00 $0.00 $350,000.00

Total Assets $2,350,000.00 $250,000.00 $600,000.00 $3,200,000.00

Liabilities
Joint &
Dependent
123 Home Mortgage* Mortgage $0.00 $0.00 $-200,000.00 $-200,000.00
Total Liabilities $0.00 $0.00 $-200,000.00 $ -200,000.00

Net Worth $2,350,000.00 $250,000.00 $400,000.00 $3,000,000.00
*This information is included for purposes of this Statement and is not included in the analysis of this Envision plan.
This Net Worth statement represents a portfolio of securities and assets and liabilities owned by you based on our records of transactions processed through us or supplemental information supplied by you. This report may not include all accounts in
your household. The above statement does not in any way supersede your statements, policies or trade confirmations, which we consider the only official and accurate records of your accounts or policies. We rely on you to review the accuracy and
completeness of this analysis. This statement may differ from the Firm's profile information on your accounts.


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Net Worth By Type Graph
Net Worth Breakdown by Type

$3,600,000

$3,200,000

$2,800,000

$2,400,000

$2,000,000

$1,600,000

$1,200,000

$800,000

$400,000

$0

($400,000)
Assets Liabilities Net Worth

As s e t s Lia b ilit ie s Ne t W o r t h
( $ 3 ,2 0 0 ,0 0 0 ) ( - $ 2 0 0 ,0 0 0 ) ( $ 3 ,0 0 0 ,0 0 0 )

Personal Assets Mortgage Net Worth
Business Assets
Investment Assets


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Net Worth By Person Graph
Net Worth Breakdown by Person

$3,600,000

$3,200,000

$2,800,000

$2,400,000

$2,000,000

$1,600,000

$1,200,000

$800,000

$400,000

$0

($400,000)
Assets Liabilities Net Worth

As s e t s Lia b ilit ie s Ne t W o r t h
( $ 3 ,2 0 0 ,0 0 0 ) ( - $ 2 0 0 ,0 0 0 ) ( $ 3 ,0 0 0 ,0 0 0 )

Jim Joint & Dependent Total Net Worth
Susan
Joint & Dependent


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Insurance Summary
Death Annual Cash Loan
Description Type Owner Insured Beneficiary
Benefit Premium Value Value
Group Term Group Jim Taylor Jim Taylor Susan Taylor $100,000 $0 $0 $0
Total $100,000 $0 $0 $0


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Liabilities Summary
General Liabilities
Interest Monthly
Description Borrower Type Balance
Rate Payment
Sub Total $0.00
Mortgages
Interest Monthly Year
Description Borrower Loan Type Lender Balance
Rate Payment Closed
Wells Fargo
123 Home Mortgage Joint 30 Yr Fixed 6.78% $-200,000.00 $1,450.00 2002
(Wachovia)
Sub Total $-200,000.00
Total Liabilities $-200,000.00


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Envision Action Plan Review - Client Notes
Current Year Savings
On Target Updated Amount

_______________ Contribute $40,000 to Jim's tax deferred savings - Jim's Qualified Plan

_______________ Contribute $15,000 to Susan's tax deferred savings - Susan's Qualified Plan

_______________ Contribute $20,000 to Joint taxable savings - Taxible Savings

Client Notes ___________________________________________________________________________________________

___________________________________________________________________________________________
Asset Allocation
On Target

As discussed, adjustments should be made to your current investment holdings to bring the allocation in line with
the Conservative Growth portfolio


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Current Conservative Growth

International Equity (64.44%) Large Cap (28.00%)

Long Term Fixed Income (11.11%) Mid Cap (10.00%)

REIT (8.33%) Small Cap (8.00%)

Other (13.33%) International Equity (10.00%)

Cash Equivalent (2.78%) Emerging Market Equity (9.00%)
Short Term Fixed Income (8.00%)
Intermediate Fixed Inc (13.00%)
Long Term Fixed Income (5.00%)
High Yield Fixed Income (2.00%)
REIT (2.00%)
Commodities (3.00%)
Cash Equivalent (2.00%)

Average Return: 8.2% Average Return: 8.3%
Downside Risk: -10.5% Downside Risk: -8.3%

Conservative Growth:
Growth investors do not seek account income and their primary objective is capital appreciation. Conservative Growth investors seek maximum growth consistent with a relatively modest degree of risk. They are willing to accept
lower potential returns in exchange for lower risk. Equities may be a significant percentage of the account.
The Current allocation indicates how an investor's portfolio is allocated based on Wells Fargo Advisors asset classifications and current market value.

Client Notes ___________________________________________________________________________________________

___________________________________________________________________________________________
Survivor Needs
On Target Updated Amount

_______________ Estimated Additional Insurance Needed on Jim: $770,000

Client Notes ___________________________________________________________________________________________

___________________________________________________________________________________________


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Additional Client Notes
__________________________________________________________________________________________________________

__________________________________________________________________________________________________________

__________________________________________________________________________________________________________

__________________________________________________________________________________________________________

__________________________________________________________________________________________________________

"Current Year" is defined as the period of time from now until the owner of the cash flow's next birthday.
This Action Plan Review identifies the current year's savings, asset allocation, withdrawals, goals, and income needs included in your Envision report, and also identifies the preceding year's goals that have been retired.
Please review your actual report for a detailed analysis of additional, future assumptions you have made which may be critical to the success of your plan.
The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return
information, please see the Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio
faces approximately a 5% chance each year of experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future
results.


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Profile Summary Data
Personal Information
Projected Annual Social Security (First Year)
Name Date of Birth Annual Income
Ideal/Accept.
Jim Taylor 01/01/1958 $150,000 $20,838 /$21,364
Susan Taylor 01/01/1958 $60,000 $14,520 /$15,848

Life Goals
Description Ideal Value Acceptable Value
Retirement Age - Jim 55 62
Retirement Age - Susan 55 62
Retirement Spending Need (Annual Increase) $180,000 (2.50%) $120,000 (2.50%)
Estate Goal $2,000,000 $500,000

++
Education Goals
Name Date of Birth Ages Institution Ideal Value Acceptable Value Annual Increase
John 01/01/1993 18 - 21 Brown University $47,740 $47,740 2.50%
Sara 01/01/1996 18 - 21 University of Virginia $17,962 $17,962 2.50%

Other Goals
Annual Amount Start Age End Age Annual Increase
Description Net or Gross Owner
Ideal/Accept. Ideal/Accept. Ideal/Accept. Ideal/Accept.
$400,000 /
Executive RV Net Jim Ret. / Ret. Ret. / Ret. 2.50% / 2.50%
$250,000
$20,000 /
Travel Net Susan 60 / 60 70 / 65 2.50% / 2.50%
$10,000

Other Income
Annual Amount Net or Start Age End Age Annual Increase
Description Owner Tax Status
Ideal/Accept. Gross Ideal/Accept. Ideal/Accept. Ideal/Accept.
Partnership Buyout $75,000 / $75,000 Gross Jim Taxable 62 / 62 66 / 66 2.50% / 2.50%


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Other Income
Annual Amount Net or Start Age End Age Annual Increase
Ideal/Accept. Gross Ideal/Accept. Ideal/Accept. Ideal/Accept.
$100,000 /
Jim's Whole Life Benefit Net Jim Taxable Death / Death Death / Death 0.00% / 0.00%
$100,000

Savings
Annual Amount Start Age End Age Annual Increase
Ideal/Accept. Ideal/Accept. Ideal/Accept. Ideal/Accept.
$40,000 /
Jim's Qualified Plan Jim Deferred 52 / 52 Ret. / Ret. 2.50% / 2.50%
$40,000
$15,000 /
Susan's Qualified Plan Susan Deferred 52 / 52 Ret. / Ret. 2.50% / 2.50%
$15,000
$20,000 /
Taxible Savings Joint Taxable 52 / 52 Ret. / Ret. 0.00% / 0.00%
$30,000

Liabilities
Description Borrower Type Interest Rate Balance Monthly Payment
123 Home Mortgage Joint Mortgage 6.78% $200,000 $1,450
Total Liabilities : $200,000


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Risk & Return*
Income Requirements
+++
Not expecting to need income from the portfolio for several years; investment strategy should emphasize growth.

Average
Investment Equity Downside
Return (as Description
Objective % Risk
of 05/2010)
Growth and Income investors seek current income, but also seek income and capital
Conservative growth over time. These investors are willing to forgo a portion of current income in order
Ideal to seek potential future growth. Conservative Growth and Income investors seek the
Growth & 35.0% -4.1% 6.8%
Portfolio maximum growth and income consistent with a relatively modest degree of risk. They
Income
are willing to accept lower potential returns in exchange for lower risk. Equities, generally
dividend paying equities, may be some percentage of the account.
Growth investors do not seek account income and their primary objective is capital
Acceptable Moderate
83.0% -11.0% 9.1% appreciation. Moderate Growth investors seek to balance potential risk of capital loss with
Portfolio Growth
their goal of higher potential growth. Equities may be the primary asset in the account.

Priorities
Reduce Retirement Reduce Size Take More
Goal Retire Later Save More
Spending of Estate Investment Risk
To achieve our early retirement age(s), we
N/A
would be willing to:
To achieve our higher spending target in
X N/A X
retirement, we would prefer to:
In order to achieve our larger estate goal, we
N/A
To reduce the investment risk in our
X X X N/A
portfolio, we would be willing to:
We would like to reduce our current savings
X X N/A
and to achieve this we would prefer to:
To meet our education funding goals, we
To meet our other goals, we would be willing
X X X
to:


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++
All numbers provided for Education Goal calculations are hypothetical in nature and are based on assumptions entered into the calculation. You should check the figures to ensure they are reasonable and you should consult with the institution on
the accuracy of the information before making any investment decisions based on this information.
+++
Although you may have indicated that you have no need for current income from your portfolio, we recognize that you may wish to select a strategic allocation with an income component since it may be more aligned with your risk tolerance.
Generally, income producing portfolios generate a lower investment return but correspondingly have a lower investment risk.
*
The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return information, please see the
Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio faces approximately a 5% chance each year of
experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future results.


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Your Goals
Ideal Acceptable
Retirement Age
Jim 55 62
Susan 55 62
Annual Retirement Spending $180,000 $120,000

Other Goals
Executive RV $400,000 (Age Ret.-Ret.) $250,000 (Age Ret.-Ret.)
Travel $20,000 (Age 60-70) $10,000 (Age 60-65)
Annual Education Goals
John $47,740 (Age 18-21) $47,740 (Age 18-21)
Sara $17,962 (Age 18-21) $17,962 (Age 18-21)
Annual Savings
Jim's Qualified Plan $40,000 (Age 52-Ret.) $40,000 (Age 52-Ret.)
Susan's Qualified Plan $15,000 (Age 52-Ret.) $15,000 (Age 52-Ret.)
Taxible Savings $20,000 (Age 52-Ret.) $30,000 (Age 52-Ret.)

Other Sources of Income (Annual)
Partnership Buyout $75,000 (Age 62-66) $75,000 (Age 62-66)
Jim's Whole Life Benefit $100,000 (Age Death-Death) $100,000 (Age Death-Death)
Annual Social Security
Jim $20,838 (Age 62-Death) $21,364 (Age 62-Death)
Susan $14,520 (Age 62-Death) $15,848 (Age 62-Death)
Susan $6,318 (Age 93-End) $5,516 (Age 93-End)
Estate Goal $2,000,000 $500,000
Strategic Allocation Conservative Growth & Income Moderate Growth
Percent in Equities 35.0% 83.0%
Downside Risk -4.1% -11.0%

The Strategic Allocation has been derived from what you indicated was your Ideal or Acceptable tolerance for Downside Risk. The Disclosures include more detailed information.


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The Investment Plan Result
Below Target Target Zone Above Target

<50 75 90 100

What is the Investment Plan Result? • Below Target
Central to the Envision process is the Investment Plan Result calculation. An Investment Plan Result below 75 means that your investment plan
With Envision, we simultaneously evaluate your goals, your strategic asset would not have achieved your goals in a large number of the historical
allocation and your assets to determine the likelihood that your investment simulations. You may wish to consider adjustments to your goals, your
plan would have achieved your goals. The Envision process subjects your allocation and/or your investments.
investment plan to a sophisticated stress testing process that simulates 1,000 • Target Zone
market environments, both good and bad. Your Investment Plan Result is
the percentage of the 1,000 simulations in which your goals were met for An Investment Plan Result between 75 and 90 means that in many of the
your Ideal, Acceptable, and Recommended Investment Plan. Remember, historical simulations your investment plan would have achieved your
the simulations do not represent actual investment performance and goals. You might be required to make changes to your Recommended
are only intended to provide you with an opportunity to evaluate your Investment Plan in order to stay within your Target Zone, but those
Recommended Investment Plan, including your asset allocation. The changes are likely to be minor.
Disclosures include more detailed information regarding the simulation • Above Target
process. An Investment Plan Result above 90 means that in a significantly
large number of historical simulations your investment plan would have
achieved or exceeded your goals. You may wish to consider a less risky
allocation, or an adjustment to your goals.


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Investment Plan Result For Your Goals


<50 75 90 100

<=50 99

Ideal Acceptable
Retirement Age
Jim 55 62
Susan 55 62
Annual Retirement Spending $180,000 $120,000
Other Goals
Executive RV $400,000 (Age Ret.-Ret.) $250,000 (Age Ret.-Ret.)
Travel $20,000 (Age 60-70) $10,000 (Age 60-65)
John $47,740 (Age 18-21) $47,740 (Age 18-21)
Sara $17,962 (Age 18-21) $17,962 (Age 18-21)
Annual Savings
Jim's Qualified Plan $40,000 (Age 52-Ret.) $40,000 (Age 52-Ret.)
Susan's Qualified Plan $15,000 (Age 52-Ret.) $15,000 (Age 52-Ret.)
Taxible Savings $20,000 (Age 52-Ret.) $30,000 (Age 52-Ret.)

Partnership Buyout $75,000 (Age 62-66) $75,000 (Age 62-66)
Jim's Whole Life Benefit $100,000 (Age Death-Death) $100,000 (Age Death-Death)
Jim $20,838 (Age 62-Death) $21,364 (Age 62-Death)
Susan $14,520 (Age 62-Death) $15,848 (Age 62-Death)
Susan $6,318 (Age 93-End) $5,516 (Age 93-End)
Estate Goal $2,000,000 $500,000


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<50 75 90 100

<=50 99

Ideal Acceptable
Percent in Equities 35.0% 83.0%
Downside Risk -4.1% -11.0%
Investment Plan Result 0 99


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Recommended Investment Plan

<50 75 90 100

<=50 99
82

Ideal Recommended Acceptable
Retirement Age
Jim 55 60 62
Susan 55 60 62
Annual Retirement Spending $180,000 $145,000 $120,000
Other Goals
Executive RV $400,000 (Age Ret.-Ret.) $250,000 (Age Ret.-Ret.) $250,000 (Age Ret.-Ret.)
Travel $20,000 (Age 60-70) $15,000 (Age 60-70) $10,000 (Age 60-65)
John $47,740 (Age 18-21) $47,740 (Age 18-21) $47,740 (Age 18-21)
Sara $17,962 (Age 18-21) $17,962 (Age 18-21) $17,962 (Age 18-21)

Annual Savings
Jim's Qualified Plan $40,000 (Age 52-Ret.) $40,000 (Age 52-Ret.) $40,000 (Age 52-Ret.)
Susan's Qualified Plan $15,000 (Age 52-Ret.) $15,000 (Age 52-Ret.) $15,000 (Age 52-Ret.)
Taxible Savings $20,000 (Age 52-Ret.) $20,000 (Age 52-Ret.) $30,000 (Age 52-Ret.)

Partnership Buyout $75,000 (Age 62-66) $75,000 (Age 62-66) $75,000 (Age 62-66)
Jim's Whole Life Benefit $100,000 (Age Death-Death) $100,000 (Age Death-Death) $100,000 (Age Death-Death)

Jim $20,838 (Age 62-Death) $21,316 (Age 62-Death) $21,364 (Age 62-Death)
Susan $14,520 (Age 62-Death) $15,555 (Age 62-Death) $15,848 (Age 62-Death)
Susan $6,318 (Age 93-End) $5,760 (Age 93-End) $5,516 (Age 93-End)

Estate Goal $2,000,000 $1,000,000 $500,000


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<50 75 90 100

<=50 99
82

Ideal Recommended Acceptable

Conservative
Growth (Age Now-End)
Percent in Equities 35.0% 67.0% 83.0%
Downside Risk -4.1% -8.3% -11.0%

Investment Plan Result 0 82 99

Conservative Growth
Growth investors do not seek account income and their primary objective is capital appreciation. Conservative Growth investors seek maximum growth consistent with a relatively modest degree of risk. They are willing to accept lower potential
returns in exchange for lower risk. Equities may be a significant percentage of the account. Please refer to the Disclosures for more detailed information.
This information is not used to update your client account profile information. Please contact your Financial Advisor if any changes are needed to update your client profile.
Your Recommended Investment Plan Result was calculated assuming that you will modify your strategic asset allocations, if applicable, throughout the life of the plan. The recommended strategic asset allocation reflected on this page illustrates the
strategic allocation you plan to implement now. Future allocations are illustrated on the Age Based Asset Allocation page.


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Achieving Your Goals
Retirement Age
Jim 60
Susan 60
$3,680,000
Annual Retirement Spending $145,000
$3,470,000
Other Goals
$3,260,000
Executive RV $250,000 (Age Ret.-Ret.)

Investments
Travel $15,000 (Age 60-70) $3,050,000
$2,840,000
John - Brown University $47,740 (Age 18-21) $2,630,000
Sara - University of Virginia $17,962 (Age 18-21) $2,420,000

Annual Savings $2,210,000
Jim's Qualified Plan $40,000 (Age 52-Ret.) $2,000,000
Susan's Qualified Plan $15,000 (Age 52-Ret.)
$1,790,000
Taxible Savings $20,000 (Age 52-Ret.) 53 54 55 56 57 58

Other Sources of Age (Susan Taylor)
Income (Annual)
Partnership Buyout $75,000 (Age 62-66)
Above Target (90th Percentile)
Jim's Whole Life Benefit $100,000 (Age Death-Death)
Below Target (75th Percentile)
Social Security Investment As Of Date
Jim $21,316 (Age 62-Death)
Susan $15,555 (Age 62-Death)
Susan $5,760 (Age 93-End) The Target Zone may help you evaluate your Recommended Investment Plan.
It does not represent a projection of future portfolio values. The Target Zone
Estate Goal $1,000,000 graph is shown in Actual dollars.
Conservative The Target Zone and Plan Result is reflective of the strategic recommended
Strategic Allocation
Growth (Age Now-End) asset allocation. If your current portfolio is not consistent with the
Percent in Equities 67.0% recommended allocation, then your probability of success may be significantly
Downside Risk -8.3% different than the Plan Result displayed.
Investment Plan Result 82
This information is not used to update your client account profile information. Please contact your Financial Advisor if any changes are needed to update your client profile.


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Sensitivity Analysis
Results shown in Actual dollars

42%
$3,680,000
32%
$3,470,000

16% 34%
$3,260,000

$3,050,000
Investments

$2,840,000 48%

$2,630,000
72%
$2,420,000 24%

$2,210,000 20%

$2,000,000 12%

$1,790,000
53 54 55 56 57 58

Age (Susan Taylor)

Above Target (90th Percentile) Below Target (75th Percentile) Investment As Of Date

At 1 year At 3 years At 5 years
Probability of being above the Target Zone 16 % 32 % 42 %
Investment Value greater than $2,752,667 $3,205,180 $3,650,180
Probability of being below the Target Zone 12 % 20 % 24 %
Investment Value less than $2,255,125 $2,597,239 $3,045,109
Probability of being out of the Target Zone 28 % 52 % 66 %

Probability of being in the Target Zone 72 % 48 % 34 %

Envision allows you to track the value of your portfolio over time as it relates to the Target Zone. As markets change, and as your personal goals and objectives change, you may see your portfolio value move out of the Target Zone. This Sensitivity
Analysis shows the probability of being both below and above the Target Zone over a one, three and five year period.
If your portfolio value happens to move out of the Target Zone, this is an opportunity to discuss what changes may have occurred in the market, or what has changed in your life based on the recommendations in the plan. As part of the Envision
review process, you and your Financial Advisor may want to make adjustments to move you back into the Target Zone and give you reasonable confidence in achieving your goals.


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Current vs Strategic Allocation - Plan Results
Current Allocation Plan Result: 77 Strategic Allocation Plan Result: 82

Current Conservative Growth

International Equity (64.44%) Large Cap (28.00%)

Long Term Fixed Income (11.11%) Mid Cap (10.00%)

REIT (8.33%) Small Cap (8.00%)

Other (13.33%) International Equity (10.00%)

Cash Equivalent (2.78%) Emerging Market Equity (9.00%)
Short Term Fixed Income (8.00%)
Intermediate Fixed Inc (13.00%)
Long Term Fixed Income (5.00%)
High Yield Fixed Income (2.00%)
REIT (2.00%)
Commodities (3.00%)
Cash Equivalent (2.00%)

Average Return: 8.2% Average Return: 8.3%
Downside Risk: -10.5% Downside Risk: -8.3%

Important Information: This page illustrates how your plan result may differ if you do not adopt the recommended strategic allocation. The current allocation plan
result assumes that your current allocation will remain unchanged over the duration of the plan. The strategic allocation plan result assumes that you implement the
recommended allocation and any future age-based allocations if they were included in the plan. There is no assurance that the recommended portfolio's objectives
will be obtained.
Current Allocation indicates how an investor's portfolio is allocated based on Wells Fargo Advisors asset classifications and current market value
Strategic Allocation illustrates how much of an investor's portfolio should be allocated to the various asset classes based on the recommended investment plan.
The information shown is based on asset class data through 05/2010. Risk and return figures are derived from both historical observation and standard investment industry statistical calculations. For risk and return information, please see the
Capital Market Assumptions table in the disclosure section of this report. Downside risk represents the potential loss the allocation could experience in a severe market downturn. The portfolio faces approximately a 5% chance each year of
experiencing a loss this large or larger. They are for illustrative purposes and are not designed to predict actual performance. Past performance is not a guarantee of future results.
Totals may not equal calculated amounts due to rounding differences.
The Disclosures include definitions of the terms on this page and other detailed information.


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Monitoring Your Recommended Investment Plan
Recommended 08/20/2010

Jim's Retirement Age 60

Susan's Retirement Age 60

Annual Retirement Spending $145,000

Estate Size $1,000,000
Conservative
Strategic Allocation
Growth
+ $75,000
Current Year Savings
Other Income - Jim's Whole Life
$100,000
Benefit - Jim
Other Income - Partnership Buyout -
$75,000
Jim
Investment Value $2,250,000

Other Goal - Executive RV - Jim $250,000

Other Goal - Travel - Susan $15,000
Education Goals - Brown University -
$47,740
John Taylor
Education Goals - University of
$17,962
Virginia - Sara Taylor
Investment Plan Result 82

* Cash flows are inflated once per year on the anniversary of the investment plan’s creation date. The inflating of cash flows is necessary to keep goals, savings, other income, etc. up to date with their specified inflation rates.
+ This total does not include savings cash flows that start in the future. If future savings cash flows exist, they are included in the Envision analysis.

The table above indicates your Recommended Investment Plan and how changes to your goals and Investment Value have affected the Investment Plan Result over time. Investment Value includes assets currently held in accounts with our firm as
well as assets held at other firms. Values of assets held at other firms are based on information provided by you, and may not reflect current market value.
The Recommended Investment Plan assumes you implement the Strategic or Custom Allocation and includes expectations about savings and spending patterns that you provided. Please be sure to inform us of any changes to your goals, savings
and spending patterns and changes in the market value of assets held at other firms.
Your Recommended Investment Plan Result was calculated based on all of the information contained within your recommended plan as of the date in the column header.


SM

Target Zone-Long Term

$6,140,000

$5,680,000

$5,220,000

$4,760,000
Investments

$4,300,000

$3,840,000

$3,380,000

$2,920,000

$2,460,000

$2,000,000

$1,540,000
53 59 65 71 77 83 89 95 101

Age (Susan Taylor)

Above Target (90th Percentile) Below Target (75th Percentile) Investment As Of Date

The Target Zone and Plan Result is reflective of the strategic recommended asset allocation. If your current portfolio is not consistent with the recommended allocation,
then your probability of success may be significantly different than the Plan Result displayed.

Monitoring Your Progress...
Investment markets, your financial goals, and your priorities can change over time. The Envision process recognizes that throughout your life things will change. The
monitoring process enables us to track your Investment Value so that, upon your request, we can monitor and review your progress towards your goals. Please be
sure to inform us of updates to your situation, including changes to your goals and priorities, so that we can work with you to monitor and modify your Recommended
Investment Plan.


SM

Sources of Funding
Age 60 (Jim) Spending Needs at Age 60 Sources of Funding
Investment Portfolio Need* Retirement Spending $ 176,668 None Specified
(100.00%)
Executive RV $ 304,601 Total $0
Travel $ 18,276
Investment Portfolio Need* = $ 499,545
Total $ 499,545

Social Security - Jim (12.04%) Retirement Spending $ 226,151 Social Security - Jim $ 30,046
Social Security - Susan (8.79%)
Travel $ 23,395 Social Security - Susan $ 21,926
Investment Portfolio Need* (79.17%)
Total $ 249,546 Total $ 51,972


Social Security - Jim (13.29%) Retirement Spending $ 289,492 Social Security - Jim $ 38,462
Social Security - Susan (9.70%)
Total $ 289,492 Social Security - Susan $ 28,068
Investment Portfolio Need* (77.01%)
Total $ 66,530


*The Investment Portfolio Need is the net amount required from the investment portfolio after all other income sources have been applied to the spending need. It does not represent income provided by
the investment portfolio nor should it be assumed that the spending need can be met with portfolio withdrawals.
The sources of funding cash flows are hypothetical in nature and should be used only as a guideline. This report may display spending needs and the corresponding sources of funding for up to five
different years as determined by your financial advisor. The other income sources are based upon assumptions that you have provided. To determine how much the investment portfolio must provide in
order to meet spending needs, first, all available other income sources are matched against the spending need. If, all other income sources are not sufficient to meet the spending need, then the analysis
assumes the remainder will be made up with the investment portfolio. This analysis does not consider Required Minimum Distributions or the potential need for leverage to be used.


SM

Goal Funding Summary - Recommended Investment Plan

Social Security Estimated Taxable Portfolio Income Net Goal Funding Need
Other Income Portfolio Withdrawal

$450,000

$400,000

$350,000

$300,000
Income Need

$250,000

$200,000

$150,000

$100,000

$50,000

$0
60

61

62

63

64

65

66

67

68

69

70

71

72

73

74

75

76

77

78

79

80

81

82

83

84

85

86

87

88

89

90

91

92

93

94

95
Age ( Jim )

Goal Funding Summary reflects any Social Security and Other Income during retirement as well as estimated portfolio yield based off of the previous year's estimated taxable ending value. Estimated
Portfolio Taxable Income is based on current yield assumptions and there is no assurance that they will be obtained. In addition, the portfolio withdrawals necessary to meet your Goal Funding Needs for
your Recommended Investment Plan are reflected. This is based upon information you provided. Because this information is likely to change over time, your actual cash flow experience will differ. You
should periodically review this information with your Financial Advisor and discuss any changes to your goals and personal situation in order to keep your Recommended Investment Plan up-to-date.


SM

Scenario Comparison


<50 75 90 100

74 81

Scenario #1 - Gift to Scenario #2 - No LTC Scenario #3 - With LTC
Northwestern University Coverage Coverage
Retirement Age
Jim 60 60 60
Susan 60 60 60
Annual Retirement Spending $145,000 $145,000 $145,000
Other Goals
4yr Stay in Nursing
N/A $71,900 (Age 70 - 73) N/A
Home
Gift to NW University $100,000 (Age 60 - 60) N/A N/A
LTC Premium N/A N/A $4,000 (Age 52 - Death)
Executive RV $250,000 (Age Ret. - Ret.) $250,000 (Age Ret. - Ret.) $250,000 (Age Ret. - Ret.)
Travel $15,000 (Age 60 - 70) $15,000 (Age 60 - 70) $15,000 (Age 60 - 70)
John - Brown University $47,740 (Age 18-21) $47,740 (Age 18-21) $47,740 (Age 18-21)
Sara - University of
$17,962 (Age 18-21) $17,962 (Age 18-21) $17,962 (Age 18-21)
Virginia
Annual Savings
Jim's Qualified Plan $40,000 (Age 52 - Ret.) $40,000 (Age 52 - Ret.) $40,000 (Age 52 - Ret.)
Susan's Qualified Plan $15,000 (Age 52 - Ret.) $15,000 (Age 52 - Ret.) $15,000 (Age 52 - Ret.)
Taxible Savings $20,000 (Age 52 - Ret.) $20,000 (Age 52 - Ret.) $20,000 (Age 52 - Ret.)


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