Retirement Plan Report - The Portfolio Analysis Tool has Arrived

Sample Client 1’s Retirement Plan Prepared by Sample Advisor 1 Sample Financial Services Inc. New York, New York Prepared for Sample Client 1 7/15/2011 by Sample Advisor 1 Page 1 of 26 Table of Contents Basics of Retirement Planning .......................................................................................................... 2 Your Retirement Plan at a Glance ..................................................................................................... 3 Your Financial Assumptions .............................................................................................................. 4 Scenario Analysis #1 .......................................................................................................................... 5 Scenario Analysis Assumptions #1 .................................................................................................... 6 Scenario Analysis #2 .......................................................................................................................... 7 Scenario Analysis Assumptions #2 .................................................................................................... 8 Your Portfolio Summary .................................................................................................................... 9 Your Portfolio Analytics ................................................................................................................... 10 Your Selected Investment Style ....................................................................................................... 11 Your Current Positions..................................................................................................................... 12 Cash ......................................................................................................................................... 12 Bonds ...................................................................................................................................... 12 Equity ...................................................................................................................................... 12 Mutual Funds .......................................................................................................................... 13 ETFs ......................................................................................................................................... 13 Your Projected Retirement Lifestyle ................................................................................................ 14 Your Projected

Retirement Savings ................................................................................................. 15 Your Projected Retirement Income ................................................................................................. 17 Your Projected Financial Capital ...................................................................................................... 19 Tax Strategies .................................................................................................................................. 21 Life Insurance Planning ................................................................................................................... 22 Disability Insurance Planning .......................................................................................................... 23 Estate Planning ................................................................................................................................ 24 Your Next Steps ............................................................................................................................... 25 Disclosure ........................................................................................................................................ 26 Prepared for Sample Client 1 7/15/2011 by Sample Advisor 1 Page 2 of 26 Basics of Retirement Planning Building a solid Retirement Plan is considerably helped the more involved an individual becomes with the construction of their retirement plan. Understanding various financial products and managing investment risk in their portfolio will help to ensure that they can live comfortably in retirement. It is of vital importance to also understand that asset allocation is a key retirement planning strategy. Asset allocation spreads investment risk over a variety of products, such as stocks, bonds and real estate. A strong component of retirement preparation is also the understanding of how state and federal tax laws affect retirees, and having a better understanding of how to schedule withdrawals from Social Security and 401(k) retirement accounts. For example, investors who delay withdrawals could stand to receive higher monthly payments from Social Security over the long term. Retirement planning requires the wise investment of savings in order to live comfortably during retirement. There are some additional key issues that must be discussed when creating your retirement plan to ensure that you achieve the best possible retirement. One of the most important variables in planning your retirement is the Investment Return which you assume for its projections. It may pay off to be more conservative in your estimates of investment returns, as being conservative makes the Retirement Plan that much more secure and provides the possibility of money being left over for your dependents. Length of Retirement One critical variable to your Retirement Plan is your length of retirement; the longer you live the more money you will need in your retirement years. Thanks to healthier lifestyles and breakthroughs in medical technology, life expectancy for Americans has increased significantly during the past half-century. While it's good news that you can expect to live longer in retirement and have a better quality of life, it also means your investment portfolio may need to last for 30 years or more. The 2009 average life expectancy for the United States was 78.7 years according to the World Bank. As this number is growing all the time, ensure that...

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