Investments are: • Not FDIC/NCUSIF insured • May lose value
Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.
The following report is a diagnostic tool intended to review your current financial situation and
suggest potential planning ideas and concepts that may be of benefit. The purpose of the report
is to illustrate how accepted financial and estate planning principles may improve your current situation.
This report is based upon information and assumptions provided by you (the client). This report provides
broad and general guidelines on the advantages of certain financial planning concepts and does not
constitute a recommendation of any particular technique. The consolidated report is provided for
informational purposes as a courtesy to you. We recommend that you review your plan annually, unless
changes in your personal or financial circumstances require more frequent review. All reports should
be reviewed in conjunction with your fact summary and this Disclaimer page.
The term "plan" or "planning," when used within this report, does not imply that a recommendation has
been made to implement one or more financial plans or make a particular investment. Nor does the plan
or report provide legal, accounting, financial, tax or other advice. Rather, the report and the
illustrations therein provide a summary of certain potential financial strategies. The reports provide
projections based on various assumptions and are therefore hypothetical in nature and not guarantees of
investment returns. You should consult your tax and/or legal advisors before implementing any transactions
and/or strategies concerning your finances.
Additionally, this report may not reflect all holdings or transactions, their costs, or proceeds received
by you. It may contain information on assets that are not held at the broker/dealer with whom your financial
representative is registered. As such, those assets will not be included on the broker/dealer’s books and records.
Prices that may be indicated in this report are obtained from sources we consider reliable but are not guaranteed.
Past performance is no guarantee of future performance and it is important to realize that actual results may differ
from the projections contained in this report. The presentation of investment returns set forth in this report does
not reflect the deduction of any commissions. Projected valuations and/or rates of return may not take into account
surrender charges on products you might own. They will reflect any fees or product charges when entered by the advisor/
representative. Deduction of such charges will result in a lower rate of return.
It is important to compare the information on this report with the statements you receive from the custodian(s) for your
account(s). Please note that there may be minor variations due to calculation methodologies. If you have any questions,
please contact your financial representative. Also, your account(s) may not be covered by FDIC or SIPC. FDIC and SIPC coverages
apply only to certain assets and may be subject to limitations. Questions about coverage that may apply should be directed to
the asset provider or sponsor.
The information contained in this report is not written or intended as financial, tax or legal advice. The information
provided herein may not be relied on for purposes of avoiding any federal tax penalties. You are encouraged to seek financial,
tax and legal advice from your professional advisors.
Monte Carlo Analysis is a mathematical process used to implement complex statistical methods that chart the probability of
certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible
economic scenarios that could affect the performance of your investments.
The Monte Carlo simulation uses at most 1000 scenarios to determine the probability of outcomes resulting from the asset
allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of
these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing
history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.
Tools such as the Monte Carlo simulation will yield different results depending on the variables inputted, and the
assumptions underlying the calculation. For those reports that perform a Monte Carlo analysis, the term 'Monte Carlo'
will be included in the report title. The assumptions with respect to the simulation include the assumed rates of return
and standard deviations of the portfolio model associated with each asset. The assumptions with respect to the simulation
include the assumed rates of return and standard deviations of the portfolio model associated with each asset. The assumed
rates of return are based on the historical rates of returns and standard deviations, for certain periods of time, for the
benchmark indexes comprising the asset classes in the model portfolio. Since the market data used to generate these rates
of return change over time your results will vary with each use over time.
The outcomes presented using the Monte Carlo simulation represent only a few of the many possible outcomes. Since past
performance and market conditions may not be repeated in the future, your investment goals may not be fulfilled by
following advice that is based on the projections.
This summary report was prepared by your financial professional for informational purposes only. This document is not
a statement or a guarantee of account or future values. Any inaccuracies within this document may impact the recommendation
provided to you. This report should not be relied upon for tax purposes. The information included in this summary has been
obtained electronically from various sources that regularly provide such data and/or directly from the client. The data is
believed to be reliable, but no representation is made as to its accuracy or completeness. Values may be subject to market
value adjustments and other factors. For further verification and information, please refer to the account statements provided
by your account custodians and product sponsors. This report does not replace your official account statements. You should
retain and review your official account statements to verify the accuracy of the information included in this report.
Please notify your Financial Professional promptly in writing of any concerns regarding the accuracy of the information contained in this report.
IMPORTANT: The projections or other information generated by eMoney Advisor regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.
I/We have received and read this Disclaimer page and understand its contents and, therefore, the
limitations of the report. Furthermore, I understand that none of the calculations and presentations
of investment returns are guaranteed.