Especially Prepared For: Brian And Amy Price . - FMG Suite
Especially Prepared For:Brian and Amy PriceBy: Joel R. Maness
General InformationClient ObjectivesNeed vs. Current Plan123Financial StatementsNet Worth SummaryNet Worth StatementCash Flow SummaryCash Flow45678RetirementRetirement Analysis ResultsRetirement Summary Timeline91011Education GoalsEducation GoalsEducation Goals Existing Plan - Susie121314Survivor NeedsSurvivor Needs - Capital Analysis - Client ASurvivor Needs - Capital Analysis - Client B151617RecommendationsRecommendationsRetirement Summary ComparisonRec'd: Retirement Analysis Results ComparisonRec'd: Retirement Capital Results TimelineRec'd: Retirement Comparison Details181920212224AppendixDisclaimer - Important NoteAll Input Data272829
*DRAFT PRESENTATION*Emerald Financial Services, Inc.January 1, 2017Page 1 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*This Analysis Addresses the Following GoalsEDUCATION GOALSFund Susie's college tuition needsRETIREMENTWould like to determine if retirement is possible when Brian turns 62SURVIVOR NEEDSWould like to determine if your existing life insurance is sufficientEmerald Financial Services, Inc.January 1, 2017Page 2 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Your Needs vs. Your Current PlanYour goal is to be 100% fundedEducationYour Needs (100%)vs. your Strategy %74%Retirement85%Brian's Death88%Amy's Death100%0%20%40%60%80%100%Current PlanThe Need is 100%The above graph illustrates the percentage by which your current financial position meets your goal.Education Goals are 74% funded when needed.Retirement goal is 85% funded.Survivor Needs goal is 88% covered if Brian dies and 100% covered if Amy dies.Emerald Financial Services, Inc.January 1, 2017Page 3 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Emerald Financial Services, Inc.January 1, 2017Page 4 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Net Worth Summary 139,140 400,000 300,000 200,000 100,000 0AssetsLiabilitiesAssetsBank AccountsQualified Retirement AccountsInvestment AccountsReal Estate and ResidencePersonal Property 4,000 18,000 3,000 310,000 40,000LiabilitiesReal Estate LoanProperty Loan 227,075 8,785 375,000 235,860Net WorthEmerald Financial Services, Inc.January 1, 2017Net Worth 139,140Page 5 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*As of 1/1/2017AssetsOwnerBank AccountsChecking AccountSavings AccountTotal Bank AccountsJointJointCurrentExpectedRate of 5004,000Qualified Retirement Accounts401(k) - Brian's 401(k)401(k)Total Qualified Retirement AccountsBrian8.00%18,00018,000Investment AccountsInvestment AccountStock and Growth FundTotal Investment AccountsJoint7.50%3,0003,000Real Estate and ResidenceCondoTotal Real Estate and ResidenceJointPersonal PropertyCarPersonal PropertyTotal Personal 00020,00040,000Total AssetsLiabilities 375,000OwnerAssumed InitialInterest RateCurrentBalanceTotalBalanceReal Estate LoanHome MortgageTotal Real Estate LoanJoint6.00%227,075227,075Property LoanCar LoanTotal Property LoanJoint8,7858,785Total Loans & LiabilitiesNet WorthEmerald Financial Services, Inc.January 1, 20176.50% 235,860 139,140Page 6 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Cash Flow SummaryFor your financialpriorities! 112,200 112,944 120,000 100,000 80,000 60,000 40,000 -744 20,000 0 -20,000INCOME EmploymentDISBURSEMENTS Living Expenses Liability Payments Taxes Insurance SavingsDEFICITAnnual g ExpensesLiability PaymentsTaxesInsuranceSavings/Retirement PlansTotalEmerald Financial Services, Inc.January 1, 2017 112,2000 112,200100%0%100% ( 744)DeficitPage 7 of 38Percentage of Total Income(1%)Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*AnnualAmountIncomeEmployment - BrianEmployment - AmyTotal IncomeDisbursementsLiving ExpensesLiving ExpensesTotal ExpensesLiability PaymentsHome MortgageCar LoanTotal Liability PaymentsMonthlyAveragePercent ofTotal Income 73,80038,400 112,200 6,1503,200 9,35066%34%100% 48,000 48,000 4,000 4,00043%43% 17,2684,692 21,960 1,439391 1,83015%4%20% 36,420 3,03532% 144 144 12 120%0% 4,0201,2001,200 6,420 335100100 5354%1%1%6% 112,944 9,412101%TaxesTotal TaxesInsuranceEmployer Term PolicyTotal InsuranceSavingsBrian's 401(k)Investment AccountSusie's 529 PlanTotal SavingsTotal DisbursementsDeficitEmerald Financial Services, Inc.January 1, 2017( 744)Page 8 of 38( 62)(1%)Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Emerald Financial Services, Inc.January 1, 2017Page 9 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Retirement Analysis ResultsHas the objective been met?Social SecurityAdditional IncomeRequired DistributionsWithdrawals from AssetsRetirement Income NeedAnnual Income 500,000 400,000 300,000 200,000 100,000 989Brian's AgeAmy's AgeAssuming: Brian's mortality age 90, Amy's mortality age 90Based on the analysis of your retirement needs, expected income sources and available assets, yourobjective will be satisfied until age 81. Out of 25 retirement years, 16 years had no unmet needs.Capitalized Value*Capitalized income objectiveCapitalized applied income sourcesCapitalized applied assetsUnmet NeedAmount 4,610,786 1,223,210 2,715,658 671,918% of Total100%27%59%15%Below are several options to consider which might improve your results. As an alternative, a blend ofsaving more, spending less or earning more may be preferable for your situation:Save 282 more per month (level) in a hypothetical account earning 7.00%Reduce desired future monthly income need from 25,336 to 21,267These results are hypothetical and are not a promise of future performance.*Capitalization treats a series of cash flows as a lump sum, deposited in a hypothetical account with a return of 7.00%.Emerald Financial Services, Inc.January 1, 2017Page 10 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*An Overview of the ResultsAgeYearTotalNeedsRetirement Analysis ResultsAppliedAppliedRMD andIncomeWithdrawalsRetirement Portfolio Results(Shortage)UnmetNeedsRMD andWithdrawalsGrowth andAdditions 2,896,286Beginning Balance65 / 6566 / 6667 / 6768 / 6869 / 6970 / 7071 / 7172 / 7273 / 7374 / 7475 / 7576 / 7677 / 7778 / 7879 / 7980 / 8081 / 8182 / 8283 / 8384 / 8485 / 8586 / 8687 / 8788 / 8889 / 80 ,195436,921450,029463,530Emerald Financial Services, Inc.January 1, 2017 129,184131,768 4,299304,209246,18700000000 )(290,107)(300,027)(310,270)(320,845)(331,762)Page 11 of 38 nce 3,935000000000 an and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Emerald Financial Services, Inc.January 1, 2017Page 12 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Education GoalsTotal Education Need 78,630Your Education Plan Provides 58,195 78,630Susie 58,195 0 20,000 40,000Need 60,000 80,000Education PlanThis graph illustrates the projected capital needed to meet your education objectives and how your projected current savings and investments arehelping meet the objectives.Funding Alternatives1AdditionalAdditionalAdditionalMonthly Level Monthly InflatingSum1SavingsSavings2NameAmount NeededPer Year(Today's )Susie 7,500 6,900 49 39Totals 7,500 6,900 49 391Single-sum investment alternative assumes that existing savings will continue and Funding Alternatives earn an assumed rate of return of 6.00%.The amount shown is for the first year only; this amount must be increased annually by the assumed inflation rate of 3.00%.These results are hypothetical and are not a promise of future performance.2Emerald Financial Services, Inc.January 1, 2017Page 13 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Existing Planfor SusieAmount needed 7,500 per year needed in 15 years for 4 years inflating annually at 6.00%Needed in year 1 of goal, 7,500 inflated by 6.00%Needed in year 2 of goal, 7,500 inflated by 6.00%Needed in year 3 of goal, 7,500 inflated by 6.00%Needed in year 4 of goal, 7,500 inflated by 6.00% 17,97419,05320,19621,408Total amount needed 78,630Capital availableAccountsSusie's 529 PlanTotalCurrentMarketValue 1,000 1,000MonthlySavings 100AssumedRate ofReturn7.50%AmountAppliedTo Goals 58,195 58,195Year 1 17,974Year 2 19,053Year 3 18,737Year 4 2,43117,974017,974 019,053019,053 018,737018,737( 1,458)2,43102,431( 18,977)Distribution Plan:Susie's 529 PlanTotal WithdrawalsLiabilitiesNet for Goal(Shortfall)Emerald Financial Services, Inc.January 1, 2017Page 14 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Emerald Financial Services, Inc.January 1, 2017Page 15 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*4428363240Survivor NeedsCapital AnalysisInIn thethe eventevent ofof Brian'sBrian's DeathDeathDeficitCapital WithdrawalsSocial SecurityOther Income 350,000Annual Income 300,000 250,000 200,000 150,000 100,000 50,000 026 30 34 38 42 46 50 54 58 62 66 70 74 78 82 86Amy's AgeIncome needs:At Amy's age:Annual income desiredIncome available:Annual surplus/(shortage)26 78,36068,483( 9,877)41 123,11259,826( 63,286)Assets available at Brian's deathLife insurance death benefits67 165,30762,752( 102,555) 15,000184,400Total capital availableImmediate Cash needs 199,4000Net capital available for income needs 199,400Additional capital needed today to fund all income shortages and provide for your survivor'sneeds until Amy's age 90 is 181,157.1These results are hypothetical and are not a promise of future performance.1 Assumes amount is de year*Capitalization treats a series of cash flows as a lump sum, deposited in a hypothetical account with a return of 7.00%Emerald Financial Services, Inc.January 1, 2017Page 20 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*RecommendedRetire Early, Save More & ReallocateCurrent7.48% 085%Average expected portfolio returnEnd of plan retirement portfolio valuePercentage of goal achievedRecommended8.15% 837,505100%CurrentSocial SecurityAdditional IncomeRequired DistributionsWithdrawals from AssetsRetirement Income Need 500,000Annual Income 400,000 300,000 200,000 100,000 062 64 66 68 70 72 74 76 78 80 82 84 86 8862 64 66 68 70 72 74 76 78 80 82 84 86 88RecommendedAnnual Income 500,000 400,000 300,000 200,000 100,000 062 64 66 68 70 72 74 76 78 80 82 84 86 8862 64 66 68 70 72 74 76 78 80 82 84 86 88These results are hypothetical and are not a promise of future performance.Emerald Financial Services, Inc.January 1, 2017Page 21 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*RecommendedRetire Early, Save More & ReallocateAdditions to PortfolioAgeYearTotalContributionsWithdrawals from PortfolioReinvestedSurplusand LumpSum butionsWithdrawalsfor NeedOtherWithdrawalsTotalGrowthBeginning Balance26 / 2627 / 2728 / 2829 / 2930 / 3031 / 3132 / 3233 / 3334 / 3435 / 3536 / 3637 / 3738 / 3839 / 3940 / 4041 / 4142 / 4243 / 4344 / 4445 / 4546 / 4647 / 4748 / 4849 / 4950 / 5051 / 5152 / 5253 / 5354 / 5455 / 5556 / 5657 / 5758 / 5859 / 5960 / 6061 / 6162 / 6263 / 6364 / 6465 / 6566 / 6667 / 6768 / 6869 / 6970 / 7071 / 205420552056205720582059206020612062 5524,53525,2350000000000 0000000000000000000000000000000000000000000000 0000000000000000000000000000000000000000000000 0124,937 59,385TotalPortfolioBalance 25,000 0000000000000000000000000000000000000000000000 38,693237,858236,343234,078230,988226,987 0,8213,253,487Continued.Emerald Financial Services, Inc.January 1, 2017Page 22 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Additions to PortfolioAgeYearTotalContributionsWithdrawals from PortfolioReinvestedSurplusand LumpSum butionsWithdrawalsfor NeedOtherWithdrawalsTotalGrowthBeginning Balance72 / 7273 / 7374 / 7475 / 7576 / 7677 / 7778 / 7879 / 7980 / 8081 / 8182 / 8283 / 8384 / 8485 / 8586 / 8687 / 8788 / 8889 / 7188,615207,751230,274256,928TotalPortfolioBalance 837,505The highlighted row indicates the beginning of retirement.These results are hypothetical and are not a promise of future performance.Emerald Financial Services, Inc.January 1, 2017Page 23 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*RecommendedRetire Early, Save More & ReallocateSUMMARY OF RESULTSIn this report, you will find a comparison between two analyses. The first column, labeled “Current”shows the results of your current analysis. The second column shows a recommendation that includescertain changes to the current plan as well as the results of those changes. In each major section of thisreport (e.g., Retirement Objective, Retirement Portfolio), you will see a table of results for the section,followed by a list of changes made to key elements within that section.In the table below, the results of the entire analysis are summarized so that you can see the overall impactof the changes made in the recommendation on your current plan.Retirement objective satisfied until ageNumber of successful retirement yearsCapitalized value of objective at retirement*Capitalized income sources and assets applied*Percentage of goal achievedEnd of plan retirement portfolio valueAverage expected portfolio returnCurrent Recommended80/80End of Plan16 of 2528 4,610,786 4,452,113 3,938,867 4,452,11385%100% 0 837,5057.48%8.15%*Capitalization treats a series of cash flows as a lump sum, deposited in a hypothetical account with a return of 7.00%Retirement Objective ResultsOne element that can have a dramatic impact on a retirement analysis is a change to the objective.Retiring at a different time or changing the amount of your retirement needs can change all of yourresults, including the amount of income sources (such as Social Security) that have been applied, or theamount of your retirement portfolio that gets used. Below is a summary of the retirement objectiveresults, followed by changes made (if any) to the objective in this recommendation.Age retirement beginsRetirement needs in first year of retirementCapitalized value of objective at retirement*Current Recommended65/6562/62 304,035 278,235 4,610,786 4,452,113*Capitalization treats a series of cash flows as a lump sum, deposited in a hypothetical account with a return of 7.00%Retirement AgeChange to Brian's retirement ageChange to Amy's retirement ageChange to beginning of Phase 1 of retirementChange to beginning of Phase 2 of retirementChange to beginning of Phase 3 of 262/6272/7282/82Continued.Emerald Financial Services, Inc.January 1, 2017Page 24 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Retirement Income Sources ResultsIn this analysis, income sources, such as Social Security or annuity income, are used to meet retirementneeds before withdrawals are made from your portfolio. Below is a summary of the retirement incomeresults, followed by changes made (if any) to the income sources in this recommendation.Income sources in first year of retirementCapitalized value of objective at retirement*Capitalized value of applied income sources*Percentage of goal achieved by applied incomeCurrent Recommended 81,923 65,863 4,610,786 4,452,113 1,223,210 1,040,38727%23%*Capitalization treats a series of cash flows as a lump sum, deposited in a hypothetical account with a return of 7.00%IncomeChange age to begin system-calculated Social Security benefits forBrianChange age to begin system-calculated Social Security benefits forAmyCurrent65Recommended626362Retirement Portfolio ResultsIn any year where your income sources are insufficient to meet your retirement needs, the analysiswithdraws from your retirement portfolio. The success of your portfolio to meet these remaining needs isdependent on several factors, including the overall portfolio growth rate and the amount contributed tothe portfolio. The table below summarizes how well your portfolio kept up with your retirement needs inboth the “Current” analysis and the “Recommended.” If changes were made to your portfolio activity inthe recommended analysis, they will be listed below the results.Retirement portfolio todayPre-retirement additionsPre-retirement withdrawalsPre-retirement growthRetirement portfolio at retirementAdditions during retirementWithdrawals during retirementGrowth during retirementPortfolio balance at end of planAverage expected portfolio returnCapitalized value of objective at retirement*Capitalized value of applied income sources*Capitalized value of applied asset withdrawals*Percentage of goal achieved after income and assets appliedCurrent Recommended 25,000 25,000 481,939 583,671 0 0 2,389,347 2,756,626 2,896,286 3,365,297 0 0 4,517,217 7,851,607 1,620,930 5,323,814 0 837,5057.48%8.15% 4,610,786 4,452,113 1,223,210 1,040,387 2,715,658 3,411,72785%100%*Capitalization treats a series of cash flows as a lump sum, deposited in a hypothetical account with a return of 7.00%Portfolio ReallocationChange the rate of return for available assets[1] todayRate of return for available d Financial Services, Inc.January 1, 2017Page 25 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Rate of return for total retirement portfolioChange the future rate of return for available assets[1]Year to change returnRate of return for available assetsRate of return for total retirement es: [1] Available assets are those that can be reallocated and exclude certain fixed assets, such as bank accounts and fixedannuities.Tax-deferred ContributionsChange to Brian's 401(k) pre-tax client contribution amountChange to Brian's 401(k) employer contribution amountEmerald Financial Services, Inc.January 1, 2017Page 26 of 38Current 335 167Recommended 475 237Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*Emerald Financial Services, Inc.January 1, 2017Page 27 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*This document has been prepared to help you make important decisions regarding your financial future. Beforereviewing the data, alternatives, and options presented in this financial plan, please note the inherent limitationsassociated with this information: The content of this report is based on information provided by you. Certainassumptions have been made about future investment performance, inflation rates, retirement benefits, and othervariables, which are only estimates, with no assurance as to their attainability or ultimate outcome. Certainfinancial information contained in this plan, including the Net Worth summary and the Income and Expensessummary, was created only to assist you and your adviser in developing your financial plan. Accordingly, it shouldnot be relied on for purposes of obtaining credit or for any purpose other than developing your financial plan.Projections of future events are based on interpretations of existing laws, as well as assumptions that are describedin the accompanying text. Furthermore, even if the steps in this document are followed, there may be materialdifferences between projected and actual results because laws are updated, events and circumstances frequently donot occur as expected, and the overall economic environment changes. In the preparation and presentation of thisplan, your adviser is acting as investment adviser. After this plan is presented, your adviser will cease to act in aninvestment advisory capacity. Your adviser is FINRA registered through which he can offer investment andinsurance products.YOU ARE UNDER NO OBLIGATION TO FOLLOW, IN WHOLE OR IN PART ANY OF THEALTERNATIVES PRESENTED IN THIS PLAN OR TO PURCHASE INVESTMENT, INSURANCE OROTHER FINANCIAL PRODUCTS OR SERVICES THROUGH YOUR ADVISER.Your adviser is not responsible for reviewing your situation on an ongoing basis or updating these alternativesunless you sign a separate contract regarding those continuing services. Your adviser does not guarantee results inany way. The financial planning strategies presented in this document are intended only as a guide. Illustrations ofinsurance alternatives are presented only as guidelines and represent our general understanding of the informationavailable to us. Any analyses of legal or accounting issues relating to your situation are for discussion purposesonly and not intended to be a substitute for professional advice in these areas. Calculations illustrating income taxconcepts and deductions, and investment gains and losses are for illustrative purposes only and are based uponhypothetical situations. Consult with an attorney or accountant who specializes in these areas to counsel you onspecific topics related to your financial situation. Financial planning strategies are presented based upon facts asstated above and on laws and regulations that are subject to change.Securities offered through Securities America, Inc., member FINRA/SIPC. Advisory services offered throughSecurities America Advisors, Inc. Securities America, Emerald Financial Services, Inc. and Profiles Professionalare separate entities. They are independently owned and operated.Securities America did not assist in the preparation of this material and while it is believed to be from a reliablesource, its accuracy and completeness are not guaranteed. Health and other non-variable insurance products are notoffered through Securities America.Emerald Financial Services, Inc.January 1, 2017Page 28 of 38Brian and Amy PricePresented by: Joel R. Maness
*DRAFT PRESENTATION*For: Brian and Amy PricePlan Date: 1/1/2017Case SetupExpress Input ModeAnalysis Objectives included in the plan:RetirementEducation GoalsSurvivor NeedsPersonal Assessments included in the plan:Risk ToleranceFinancial StatementsAssumptionsPlan DateCase Review DateClient Marital StatusLong-term inflation rateSocial Security increase rate1/1/20171/1/2018Married3.00%2.00%Personal DataBrian PriceBorn 2/18/1990 (Age 26)Sex: MSocial Security Benefits: Earnings BasedCitizenship: U.S. CitizenAmy PriceBorn 1/11/1990 (Age 26)Sex: FSocial Security Benefits: Earnings BasedCitizenship: U.S. CitizenHome Information9658 Midway LaneApt.# 3BLos Angeles, CA 92138-0054Phone: (213) 555-1414; Fax: (213) 555-1415E-mail address: baprice@aol.comContinued.Emerald Financial Services, Inc.January 1, 2017Page 29 of 38Brian and Amy PricePresented by: Joel R. Maness
Brian's occupation*DRAFT PRESENTATION*Phone number:E-mail address:Amy's occupationPhone number:E-mail address:Advisor(s)Financial AdvisorProfiles Sales DemoDependentsSusie (Age 3)Born 11/27/2013Dependent of Brian & AmySocial Security until age 18Risk Tolerance ProfileQuestion1) Inflation vs. Short-term risk:Responsed. Maximize my portfolio value2) Return vs. Probability of losing money 100,000i
Assets Owner Rate of Return Value Value Bank Accounts Checking Account Joint 0.25% 1,500 Savings Account Joint 2.00% 2,500 Total Bank Accounts 4,000 Qualified Retirement Accounts 401(k) - Brian's 401(k) Brian 401(k) 8.00% 18,000 Total Qualified Retirement Accounts 18,000 Investment Accounts I
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This presentation and SAP's strategy and possible future developments are subject to change and may be changed by SAP at any time for any reason without notice. This document is 7 provided without a warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a .
