The results generated by the eMoney interactive analysis tool are hypothetical and based on the information provided by you. The Monte Carlo simulation that may be part of this presentation seeks to approximate actual investment market volatility by adding random investment returns. The result of introducing random investment volatility to the analysis produces a range of values that demonstrates how changing investment markets may impact your future plans. The Monte Carlo simulation uses randomly selected return and volatility data of market indexes and applies cash flow and tax calculations based on the facts and assumptions you have provided to produce a trial run. The market indexes are assigned to investment accounts and portfolios to represent component asset classes. In each trial run, a rate of return is generated for each asset class using the mean and standard deviation of the market index in the randomly chosen year. Up to 1000 trial runs are calculated resulting in a range of values that is further analyzed to produce a statistical probability for your planning strategies. The Worst-Case scenario represents the worst 80% of all projections and the Likely Case scenario represents the middle 60% of all projections. Carefully consider the high, low, and average values in terms of how comfortable you would be with those results. Keep in mind it is impossible to predict future investment results and this analysis should be monitored over time. IMPORTANT: The projections or other information generated 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. Other investment not considered might have characteristics similar or superior to those analyzed in this report.