learnvest sample portfolio builder plan

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!

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Prepared'For

Your'LearnVest'Expert

Prepared'On

YOUR FINANCIAL PLAN

August 27, 2012

Sample Planner, CFP ®

Jane Doe

DEAR JANE,

JANE'S FINANCIAL SNAPSHOT

AgeAnnual Household SalaryMonthly Take Home PayMonthly SpendingCredit ScoreNon-Retirement SavingsRetirement SavingsNon-Retirement Invested Assets Other AssetsTotal Debt (Excluding Mortgage)Total Mortgage (If Applicable)Home Value (Zillow Estimate)

TOTAL ASSETS TOTAL LIABILITIES NET WORTH

- =

39$207,000$11,212$4,164800$350,000$231,578$0$0$0N/A$400,000

$981,578 $981,578Note: Your net worth is one measure of your financial health. It changes as you pay down debts, make investments, or take new loans. There's no "right" number, but it should grow each year.

$0

WE'RE SO GLAD YOU'RE HERE!Congratulations on taking a huge step towards Your Richest Life! Your LV Financial Plan willshow you how to take control of your money and give you a complete to-do list to get there.Financial planning may sound intimidating, but it is really just four simple things:

Knowing where you stand with your

money

Choosing the right financial priorities

to work on

Building a way to fund your financial

priorites

Allocating the funding in the very best way for you

1 2 3 4

GROSS SALARY

WHAT YOU TAKE HOME

HITS YOUR ESTIMATEDBANK ACCOUNT TAKE-HOME PAY

ADDITIONAL INCOME

ANNUAL ESTIMATED OTHEROTHER INCOME INCOME PER MONTH

MONTHLY NET INCOME

Estimated Take-Home Pay

+ =

YOUR INCOME$11,377

$207,000ANNUAL GROSS SALARY

$17,250MONTHLY GROSS SALARY

ON AVERAGE,YOU HAVE

This number differs fromyour paycheck, so let's lookat how we got it step bystep. Start with your salary:

TO WORK WITHEACH MONTH

The difference between your monthly gross salary and what hits your bank account each month includes things like taxes, health insurance deductions, and 401(k) contributions. To get an accurate sense of your

actual take-home, we "add back" 401(k) contributions to the amount that hits your bank account.

So, your monthly net income includes your adjusted take-home pay and your other income.

And of course we have to consider any additional income that you make. Here's what we know:

$11,212 $11,377

$11,377

$0 $0

As your financial planner, my estimate is deliberately conservative, knowing that this money may be subject to tax, withholdings, or other irregularities. You may end up banking more than this -- in a few pages, you'll

see exactly where that extra cash should go, if and when it comes in!

$0 $11,377Estimated Other Income Monthly Net Income

ESSENTIALS CHOICESHousing ShoppingUtilities Eating OutGroceries Personal CareTransportation Everything Else

RULE OF THUMB RULE OF THUMB

NO MORE OF YOUR NO MORE OF YOURTHAN NET INCOME THAN NET INCOME

ESSENTIALS + CHOICES = RULE OF THUMB

NO MORE OF YOURTHAN NET INCOME

YOUR SPENDINGWe get it: nobody likes to budget. To make this important process a bit easier, we split spending

into two camps and provide rules of thumb about how much is too much.

50% 30%

80%TOTAL SPENDING

We like these rules of thumb because people typically need to set aside at least 20% of their income to achieve their Financial Priorities. But these guidelines are still pretty general - let's take

a look at what your spending looks like.

ESSENTIALS ARE 10% OF YOUR NET INCOMEHousing $0HOA Fees $0Utilities Bill $300Monthly Groceries $500Gas & Fuel $300Other Transportation $0

TOTAL: $2,560

CHOICES ARE 27% OF YOUR NET INCOMEREGULAR MONTHLY EXPENSES NON-MONTHLY EXPENSESCable/Internet $100 Tuition Payments $0Non-Tuition Education $0 Gifts $0Charitable Giving $0 Travel (Vacation) $5,000Hobbies $0 Non-Monthly Insurance $5,704Childcare $0 Property Taxes $8,000Pets $0 TOTAL: $18,704Shopping/gifts $750 MONTHLY AVG: $1,559Cell Phone $200Entertainment $0Health & Wellness $30Personal Care $50Restaurants & Bars $250Gym Membership $0Monthly Insurance $0Country Club Dues $125

TOTAL: $1,505

TODAY'S SPENDING IS 37% OF YOUR NET INCOMEMonthly Essentials $2,560Monthly Choices $1,505Average Non-Monthly Choices $1,559

TOTAL ESTIMATED SPENDING: $5,624

………………………………………………………….………………….….……………….….…………….………………….….………

How you spend your money is honestly up to you but I'm here to help you understand how much you need to put aside to achieve your most important financial priorities.

………………………………………………………….………………….….……………….….…………….………………….….………………………………………………………………….………………….….……………….….…………….………………….….………………………………………………………………….………………….….……………….….…………….………………….….………………………………………………………………….………………….….……………….….…………….………………….….………………………………………………………………….………………….….……………….….…………….………………….….………

Non-monthly expenses can sometimes feel like a financial curveball. But incorporating a

monthly average into your regular budget can help you plan ahead of time. Set up a separate

savings account for these expenses so that they don't catch you by surprise.

ACHIEVING FINANCIAL SECURITY

Now that we know where you stand, we can talk about your Financial Priorities. LearnVest places three Priorities above the rest: retirement, emergency savings, and staying out of credit

card debt. These define your financial security and make it possible to accomplish other goals down the road. To make

sure you're fully protected, we emphasize hitting certain targets for these goals before moving on to anything else.

WE AGREED YOU'RE PER TO YOUR FINANCIALREADY TO DEDICATE MONTH PRIORITIES

HOW THAT'S GOING TO HAPPEN

WHERE YOUR MONEY GOES TODAY WHAT IT NEEDS TO LOOK LIKE

INCOME $11,377 INCOME $11,377FINANCIAL PRIORITIES $165 FINANCIAL PRIORITIES $5,165SPENDING $4,164 SPENDING $6,212

UNDER BUDGET BY: $7,048 BALANCED BUDGET

BOTTOM LINE

MUST BE REALLOCATED TOWARD FINANCIAL PRIORITIESIN ORDER TO ACHIEVE YOUR GOALS

We're not here to micromanage your lifestyle. I know that making budget changes is both a tough and personal process, so in the appendix I've included a collection of LearnVest's best "smart spending" tips to help you make these changes. If you ever have specific questions about a way that you want to cut your

spending, we can always discuss it on a follow-up call or via email. Believe me, these cuts may be hard at first, but they will be worth it when you make fabulous progress on your Financial Priorities!

YOUR KEY STATS

!

Changes in your day-to-day spending will make sure that you don't spend more than you earn and that youbuild the funding required to achieve your financial priorities in a timeframe that makes sense for you.

$5,000

$5,165

$5,165PER MONTH

ORDER NAME GOAL ACHIEVED

1

2

3 !4 DOWN PAYMENT

5 TAKE TIME OFF WORK

6 TRIP TO AFRICA OR GREECE!

7 BROKERAGE INVESTING

Feb '15

5 Yrs +

YOUR PRIORITIES

Your Priority Goals

5 Yrs +

Done!

Done!

MAKING IT HAPPEN WITH:

RETIREMENT

CREDIT CARD DEBT

EMERGENCY SAVINGS

Oct '14

Dec '13

Next up is the game plan for the next year, which shows you exactly how much money to allocate each month to everything you are working on. The key ingredient to making this

financial plan a success is sticking with the game plan!

☐!

☐ Retirement Savings $250 ☐ Retirement Savings $250 ☐ Retirement Savings $250☐ Down Payment $3,922 ☐ Down Payment $3,922 ☐ Down Payment $3,922☐ Take Time Off Work $980 ☐ Take Time Off Work $980 ☐ Take Time Off Work $980




August 2012 September 2012 October 2012

YOUR FINANCIAL CALENDAR: YEAR 1

May 2013 June 2013 July 2013

November 2012 December 2012 January 2013

February 2013 March 2013 April 2013

This calendar lays a path to your goals based on your expected income. If more cash comes your way (like a bonus or tax refund), keep 10% and do something fun! Then, put the rest to Down Payment and see some satisfying progress.

TODAY YOU HAVE 4% COMPLETE

IN 6 MONTHS YOU'LL HAVE 4% COMPLETE

IN 1 YEAR YOU'LL HAVE 4% COMPLETE

IN 5 YEARS YOU'LL HAVE 7% COMPLETE*Projections based on LearnVest's suggested contributions

3. INDEPENDENCE Unlike older generations, who could count on Social Security and large pensions, we're largely on our own to fund our retirement.

HOW TO STRATEGIZE: WHAT'S YOUR REPLACEMENT RATIO?Your precise savings goal should depend on your replacement ratio: the part of today's income you'll need after you stop working. This number adjusts for inflation and reflects the fact that your daily post-retirement

costs are likely to be slightly less than they are today (except healthcare).

WHY RETIREMENT IS YOUR #1 PRIORITY

1. INFLATIONPut simply, inflation means higher prices. By the time you retire, prices will likely be higher than they are today, which means a single dollar will not go as far tomorrow as it does today. Since each dollar will buy slightly less in the future, the answer is simply to save more dollars!

2. HEALTHCARE On one hand, advances in healthcare mean that we're living longer. On the other hand, that means caring for ourselves in old age is more expensive.

YOUR RETIREMENTPRIORITY #1: RETIREMENT SAVINGS

$231,578 You are likely to spend 20-30 years in retirement. That's nearly as many

years as you will spend working, so you can

imagine that your nest egg needs to look less like a hummingbird's and more

like a dinosaur's.

$239,676

$250,761

$426,804

MY CURRENT PATH

I SAVE MY POST-RETIREMENT INCOME IS* WHICH IS

PER MONTH PER YEAR (IN TODAY'S DOLLARS) OF MY CURRENT SALARY

LV RECOMMENDS

I SHOULD SAVE MY POST-RETIREMENT INCOME IS* WHICH IS

PER MONTH PER YEAR (IN TODAY'S DOLLARS) OF MY CURRENT SALARY

WHERE SHOULD THE MONEY GO?

Put it in the right account.The 401(k) plan is great for people with high incomes because of the tax savings and you should slowly aim to max it out. Consult a tax advisor to select an appropriate company sponsored plan, like a SEP IRA or solo 401(k) that affords your husband a much larger tax-advantaged savings

option than an non-deductible IRA.

Bottom line: It never hurts to save more - a lot could change between now and retirementCash infusions like a bonus or a tax return should go to retirement - it's the best dollar you can spend.

*Based on standard inflation assumptions and a rate of return customized to your age and time horizon.

I know this number looks big, so I've built a plan that gets you to this monthly savings goal over time. Because retirement is so critical (and the payoff of starting early is very real), your plan is designed to get you to a bare minimum of a 60% replacement ratio before being funding any other goals. But even after

you've reached the 60% replacement ratio, it's critical that you continue to keep retirement as a top priority. Here's an example of how powerful a little extra funding can be.

$250 $68,606 33%

$2,197 $144,900 70%

AM I ON TRACK?

!YOU HAVE ZERO CREDIT

CARD DEBTLet's keep it that way. Congratulations on already having this piece of

your financial security locked in! Continuing to avoid credit card debt will

save you not only a ton in interest payments, but also the anxiety of an

ever-growing balance. Put your spending to work and be sure your card

is offering cash back or reward points like hotel or airline miles.

TODAY YOU HAVE $350,000 100% COMPLETE

IN 6 MONTHS YOU'LL HAVE $350,000 100% COMPLETE

IN 1 YEAR YOU'LL HAVE $350,000 100% COMPLETE

IN 5 YEARS YOU'LL HAVE $350,000 100% COMPLETE

PLUS INTEREST

CAR REPAIR $245ROOT CANAL $4,000

AS YOUR GOALFOR FINANCIAL SECURITY

YOUR EMERGENCY SAVINGS

Emergencies come in all shapes and sizes, whether it's fixing your car or losing your job. A

cash cushion protects you from having to take out credit card debt

when life throws you a curveball.

Protect yourself from the unexpected.Emergency savings provides you security, freedom and flexibility when the unexpected happens. In other words, not saving can make emergencies substantially more expensive since you'd likely

have to say "charge it" when you don't have cash reserves to provide a safety net.

WE RECOMMEND YOU SAVE AT LEAST 6 MONTHS OF NET INCOME, WHICH MEANS:

$30,000

ORIGINAL COST

$300$1,200

FOR A TOTAL OF

$545$5,200

12345 Bereavement-related expenses (like traveling to a family funeral)

YOUR EMERGENCY FUND IS FULLY FUNDED

Bring on the rainy day. It's fantastic that you have an emergency fund - keyword being emergency. You should really only raid it in the cases of:

þ

Job lossMedical or dental emergencyBreak down in your primary form of transportationEmergency home expenses (think leaky roof, flooded basement)

ACHIEVING YOUR OTHER FINANCIAL GOALS

While your financial security always comes first, at LearnVest we know

you are also aiming for other financial accomplishments beyond

retirement, emergency savings and staying out of credit card debt. No

two financial plans are ever the same, so let's take a look at the goals

that are most important to you.

AVERAGE COST OF HOME IN YOUR AREA

$700,000

TODAY YOU HAVE 79% COMPLETE

IN 6 MONTHS YOU'LL HAVE 84% COMPLETE

IN 1 YEAR YOU'LL HAVE 88% COMPLETE

IN 2 YEARS YOU'LL HAVE 100% COMPLETE

TODAY

$0

Your ContributionsIN 6 MONTHS

$3,932

Assuming you put the equity from the sale of your current home into a new home and then save a $105,000 over the course of the next two years, you'll be ready to upgrade

to a larger home with little or no financing! You could fund the difference from your savings if you prefer to remain mortgage free, you could take out a small mortgage

which has tax benefits, or a combination of both!

RECOMMENDED DOWN PAYMENT

$500,000

$423,591

$446,355

MINIMUM NEEDED FOR UNEXPECTED COSTS

$505,000

IN 1 YEAR IN 5 YEARS

Done!$3,794

PRIORITY #4

BUY A HOUSE

Your Progress

$400,000

OVERALL SAVINGS GOAL

$5,000 $505,000

TODAY

$0

PRIORITY #5

TAKE TIME OFF WORKOVERALL GOAL:

Your Contributions

You'll Start Saving In:

$15,000

You'll Save For: You'll Be Done Saving In:

Dec '1316 MonthsSep '12

$983 $948 Done!

Once you get closer to having a baby, review your insurance coverage and compare other company sponsored plans to get an idea of how much you'll have to contribute for

hospital & delivery expenses. Understand your maternity leave - will part or all of the time off be paid? How long can you take? Take a look at this LV article on Family & Medical

Leave Act: http://www.learnvest.com/2010/07/maternity-leave-how-does-it-work/

IN 6 MONTHS IN 1 YEAR IN 5 YEARS

TODAY

$0 $2,968 Done! Done!

Taking a big trip to Africa or Greece will be an incredible adventure, and will be something you can afford to start saving for in 2014 after you've funded your other priority goals.

Based on the savings calendar, if you begin saving in October 2014 and you keep up with the suggested amounts, you'll have the funds needed by January 2015.

Nov '14 4 Months Feb '15

Your ContributionsIN 2 YEARS IN 3 YEARS IN 5 YEARS

You'll Start Saving In: You'll Save For: You'll Be Done Saving In:

PRIORITY #6

TRIP TO AFRICA OR GREECE!OVERALL GOAL: $10,000

INVESTMENT ANALYSISUp next is your custom investment analysis which shows you exactly

how to configure your portfolio for each investment goal you have. You'll

also get a preview of the LearnVest Investment Philosphy before we get

started so that you are comfortable with the different terms and

references that lie ahead.

5 SIMPLE CONCEPTS Investing doesn't have to be intimidating. Here are the 5 concepts you need to know:

2 3 4 5BALANCE RISK WITH PEACE OF

MIND

CREATE A MELTING POT OF

INVESTMENTS

WATCH THEFEES

SET IT AND (SOMEWHAT)

FORGET IT

1 KNOW YOUR TIMELINE

2 BALANCE RISK WITH PEACE OF MIND

LEARNVEST'S INVESTING PHILOSOPHY

1KNOW YOUR

TIMELINE

Investing money is the savviest way to grow your wealth over the long term, after you have built up your emergency savings (which never gets invested).

How much risk you can take on will depend on how long you have before you’ll need your money back. Time can help balance out the ups and downs of the stock market, so we’ll be looking at the investment timeline for each one of your financial goals to help determine how much risk you should (or shouldn't) take on in a certain account.

There are a lot of emotions that go along with investing and you need to be able to tune out the noise, and sleep at night. The first step to investing is to determine for yourself how much risk you are willing to take on.

The risk with investing is that you could lose money – the reward is that the dollar you invest today could be worth a lot more in the future.

When you’re investing for the long run, time is your best ally.

3 CREATE A MELTING POT OF INVESTMENTS

4 WATCH THE FEES

5 SET IT AND (SOMEWHAT) FORGET IT

Your investment mix should be a melting pot, which means never having all of your money in one type of company, industry or even just one single investment. We can’t control all of the risk inthe market, but we can spread it around in your portfolio by diversifying what you invest in.

Investments come in a variety of shapes and sizes. In the end, when you diversify, you are minimizing your risk and setting yourself up for long-term growth.

Some investment expenses are unavoidable, but the fewer unnecessary fees you pay, the more money you'll have for yourself.

The bottom line is that the less you have to pay for your investments, the more you stand to gain via investing in the long run.

There are a lot of low cost solutions including index funds and ETFs – both of which give you plenty of options for diversification, without a high price tag.

The key to investing isn’t crunching tons of numbers. It’s about being smart and sticking with your long-term strategies.

Historically, over the long term, the stock market has tended to go up, but it will have days, months and even years where it will go down. The key to dealing with the inevitable swings in the stock market is to keep a cool head and think about the long term.

You can’t control the headlines on the news, but you can control how you react. The tendency to stay calm instead of panicking translates to better returns over time. So, plan to check in just a few times a year and stick with the rebalancing schedule set in the upcoming pages of your plan.

BIG COMPANIES

SMALL & MEDIUM COMPANIES

FOREIGN COMPANIES

ALTERNATIVES

BONDS

CASH / CASH EQUIVALENTS

TO SUM UP:

"Cash" in an investment portfolio means money that either is or can quickly be converted into cash, like a money market account. Having part of your portfolio in cash helps protect what you have, especially as you reach your goal's target date.

"Asset classes" represent the major categories of investments, which expose your portfolio to different levels of risk and potential reward. Here's a brief introduction to the largest ones.

DEFINING ASSET CLASSES

Stocks of big American companies are known for their stability. You’ll hear them called large cap stocks, which refers to the fact that their "capitalization" (the total value of their shares in the market) is high - usually $10 billion or more.

Stocks of smaller and mid-size American companies. Newer and smaller companies aren’t as poweful as the big guys, so despite higher possible returns, they do carry extra risk. They typically have $2 - $10 billion dollars worth of shares in the market.

Stocks of non-US companies in developed countries (think Germany) and emerging economies (like South Korea). These investments can be risky, but because they are not necessarily tied to what happens in the US, they add to the diversity of your mix.

Investments in things like energy, natural resources, real estate or commodities like gold or oil. Because they often move opposite the normal market indexes, these can add a layer of defense and more diversity to your portfolio.

Bbonds act like loans to companies or governments, and the investor is paid back a certain amount of interest. In general, that dependability means less risk, but also slower growth than other investment types.

Your Current Allocation

BIGGER COMPANIES ALTERNATIVES OTHER

SMALL & MED. COMPANIES BONDS

FOREIGN COMPANIES CASH & CASH EQUIVALENTS

Recommended Allocation

RecommendationBIG COMPANIES ! BOOST BY 25% OF YOUR PORTFOLIO

SMALL & MEDIUM COMPANIES ! BOOST BY 6% OF YOUR PORTFOLIO

FOREIGN COMPANIES ! BOOST BY 2% OF YOUR PORTFOLIO

ALTERNATIVES ! BOOST BY 12% OF YOUR PORTFOLIO

BONDS ! REDUCE BY 27% OF YOUR PORTFOLIO

CASH & CASH EQUIVALENTS ! REDUCE BY 10% OF YOUR PORTFOLIO

OTHER ! REDUCE BY 7% OF YOUR PORTFOLIO

YOUR RETIREMENT

You’re not investing in enough high-reward assets to meet your goal. Lower-risk investments aren’t likely to earn you as much money over time and taking some calculated risks in a

diversified portfolio is a necessary part of building long-term wealth. Remember, time helps mediate the risk you take on, and you have 25+ years until retirement.

TOTAL ASSETS TODAY TARGET END DATE INVESTMENT STRATEGY REVIEW & REBALANCE:

$231,578 December 2040 Pretty Aggressive Annually

32% 20% 16% 12% 20%

7% 14% 14% 47% 10% 7%

! REBALANCING YOUR ASSETS

! VETTING A BROKERAGE FIRM

! BUYING INVESTMENTS LIKE A PRO

TAKING ACTION

Investing is about putting money away and watching it grow - but where you put it makes a big difference. Now that you know what your portfolio mix for each goal should look like, here are three important steps to help you put things into motion:

u

u

u

STEP BY STEP

þ

þIn your Roth IRA, you are using an actively managed investment vehicle. There is a 2% management fee being charged, which you will want to consider carefully since those expenses eat away at your returns. Is this manager reviewing the rest of your portfolio when rebalancing the assets in this account? If not, you may not be getting

a holistic analysis and could be taking on more risk than planned.

þYour 403(b) at ABC Company is where the bulk of your assets are today. You'll want to end up with no more than 20% in bonds in this account. This is also the

account where you have options in the Alternative category, so XYZ Natural Resources fund will be a supplement to add into your mix. Don't forget to change

future investments after you rebalance.

In John Doe's 401(k) at ABC Company you have access to three different index funds that would fit in your portfolio based on your suggested allocation and you

don't have any transaction fees. Rebalance your existing portfolio to include XYZ Index Fund, DEF Index Fund and LMN Index Fund. Also change John's future

investment election so that these indexes are in play.

REBALANCING YOUR ASSETSNow you actually have to put these reccomendations into motion, so first:

Get your online account access info: You'll need to be able to log into your accounts so gather up the passwords.

Pull up a list of your investment options: Every account has access to different investments - know what you've got to work with.

Look at transaction costs first: Making an investment change in a 401(k) won't have a fee, but your brokerage accounts, 529s and IRAs might.

Plan to set aside an hour of time when you can focus so that you can work through your suggested portfolio changes. Remember that your suggested portfolio is designed to be holistic. Since you have more than one account you will need to make adjustements in more than one place and here is how I would suggest you proceed:

WHEN YOU COMPARE BROKERAGE FIRMS, CONSIDER:

!!!!!

The pool of investments available - are ETFs and Indexes offered

If a direct deposit or auto transfer can be set up (investing should be easy)

ACCOUNT VETTING PROCESSThere are two types of brokerage firms: discount and full-service. Since we’re gaming for the lowest cost option, don’t be turned off by the term “discount".

To get started looking for your first account, or a new home for an existing account, take a look at Betterment, Vanguard, Scottrade, Charles Schwab, Fidelity, and E*Trade. Each offer an easy-to-use web platform, and a wide range of services, including access to low-cost options like EFTS and Index funds. Just remember, you’re going to be with this brokerage firm for a while (you’re investing for the long term) so do your research carefully.

The minimum to open an account and buy your first investment

Whether there are maintenance fees or annual fees

How much is charged for each trade or transaction

!

!

!

WHEN YOU RESEARCH SPECIFIC FUNDS, CONSIDER:

"""""

The minimum amount needed to buy a particular investment

How well this fund has performed over time relative to it's benchmark

Load Fees or comissions that may be tacked onto the price of the fund when you buy or sell - go for the No Load options

Now, on to deciding what to actually buy. You'll run into three common fund types:

BUYING INVESTMENTS LIKE A PRO

The asset class - remember you want to make a melting pot

The size of the expense ratio - the higher this is, the lower your net return

Your brokerage account might offer some research tools, but the best data can be found at www.morningstar.com. One of the reasons we like Morningstar is that it provides independent investment research, so that there’s no hidden agenda to try to sell you certain funds. There is a star rating system, an easy-to-use risk and return analysis, a clear expense breakdown and historical performance data.

Index and Exchange-Traded Funds ("ETFs"): These are going to be your lowest-cost options and they make it a snap for you to build a diversified portfolio.

Target Date Funds: These put your asset allocation on autopilot, and adjust the allocation to become less risky over time, as you approach your target date.

Managed Mutual Funds: Here you're paying for a person (or, more often, a whole bunch of people) to try to "beat the market." Translation: Much higher expenses!

GET YOUR ESTATE DOCS IN A ROW

Go ahead and just get it over with! Everyone needs these

important estate planning documents and certain types of

insurance policies at different times in their life to be sure that

their money is secure, so let's take a look at what you'll need

today and down the road.

SAFE DEPOSIT BOX

BENEFICIARY FORMWHAT IS IT?

GET YOUR DOCS IN A ROW

Make sure you review things on an annual basis to be sure that nothing needs changing. If you are getting married, divorced, having kids or recently widowed, you likely need to make some adjustments.

RULE OF THUMB

WHAT IS IT?

This financial plan would not be complete if we didn't talk about important (and easy) ways to protect yourfamily and your wealth. You can get these documents in place pretty easily. Does your company offer pre-paidlegal services? If so, that is one option to get started. If you like the less expensive DIY option, tryLegalZoom.com. Otherwise, plan to meet with an Estate Attorney in your area to get help setting things up.

DO I NEED THIS?

A safe deposit box is a secure place to store important documents, including all of the reccomended estate planning tools that will be suggested as a part of this financial plan.

Items you might store in a safe deposit box include copies of birth or marriage certificates, executed copies of your estate planning documents (your will, trust documents, life insurance policies), a list of bank accounts and investment accounts with account numbers, non-replaceable valuables, rare coins, property deeds and paper stock or bond certificates.

You can share access to the box with a trusted person in your life, which is usually either a spouse or the person designated as your Power of Attorney.

If you have important documents and family

heirlooms to keep safe, this might be something to consider so investigate the options with

your brick and mortar bank (online banks do not have

these available).

MAYBEDO I NEED THIS?

A Beneficiary Form is really important because it is considered a willsubstitute, which means that even if you don't have a will set up, money canstill be transferred directly to the person you designate. In fact, you bypassthe probate process entirely, which is important. YESWhen do you fill one out? Your 401(k) or retirement plan at work, your lifeinsurance policies, any IRA accounts, annuity accounts and 529 CollegeSavings accounts all have beneficiary forms.

You always need to complete these forms, even if you also

have a will and/or a trust. Don't make any assumptions that you already filled one out - go back and ask for a copy of the form for each account and review it

carefully.

Typically, if you are married you will list your spouse as your beneficiary. Ifyou want to someone other than your spouse, keep in mind that you may berequired to get spousal consent for this!

TOD/POD INSTRUCTION

LIVING WILL

POWER OF ATTORNEY

WHAT IS IT?

You will typically set up POD instructions for any bank accounts (think yoursavings and emergency fund) and TOD for any brokerage accounts where abeneficary form is not used.These instructions are an easy and free way to keep your estate plancurrent, even before a Will or a Trust is needed. Please note that not allstates have adopted the TOD law so you will need to check with yourbrokerage firm for more details.

It is always ideal to have instructions on file to TOD or

POD so that you can avoid the probate process. This

represents a potential cost savings to your estate and it streamlines the transfer of

money to heirs.

WHAT IS IT?

MAYBEYou and your husband may

want to consider naming each other POA if you think you may need to have someone act on

your behalf for financial decisions.

If you are married, typically you will name your spouse as your power ofattorney. Otherwise you will need to carefully consider what person in yourlife you most trust to execute decisions on your behalf.

DO I NEED THIS?Transfer on Death (TOD) and Payable on Death (POD) are both ways inwhich you can easily transfer assets to a beneficiary without having thismoney pass through probate. Your beneficiary does not have any financialcontrol over the money while you are alive, and you can change the TODand POD instructions at any time.

YES

A living will lets you share your medical choices with your loved ones. While it is not pleasant to think about, a living will is ultimately a source of guidance for your family and friends in the event that something were to happen to you. If you don't have one, the hospital gets to decide who will be in control of your decisions, so this is not something to be taken lightly.

http://lztrk.com/?a=4191&c=13&p=r&s1=Click below to view a Living Will on Legalzoom.com

Click below to view a Power of Attorney on Legalzoom.comhttp//lztrk.com/?a=4191&c=27&p=r&s1=

DO I NEED THIS?A general power of attorney is a document that gives the right for someoneelse (like a partner or a parent) to make decisions on your behalf in case youpass away or become incapacitated.

You can set up a power of attorney for legal affairs only, and you can also setup a power of attorney for health care in order to have a trusted personavailable to make decisions if you are incapacitated.

WHAT IS IT? DO I NEED THIS?

YESYou absolutely want to have this so you are in control of your healthcare decisions

should anything unexpected happen!

A living will includes decisions about what sort of treatment you would want ifyou were incapacitated, and it assigns your health care proxy - the personresponsible for carrying out your living will on your behalf. You can choosesomeone you're close to or an unbiased advisor.

LAST WILL & TESTAMENTWHAT IS IT?

TRUST DOCUMENTS

TERM LIFE INSURANCE

Click below to view Trust Documents on Legalzoom.comhttp://lztrk.com/?a=4191&c=19&p=r&s1=

DO I NEED ANY?Term life insurance gives you coverage for a pre-determined amount of time(people often get term insurance until their children are grown). A good ruleof thumb is to cover 7-10x your annual salary. YESThe earlier you get life insurance, the less expensive it is, as cost rises withage. Before committing to life insurance, shop around and compare rates.

You and your husband both already have Life Insurance

Policies with $1 million dollars of coverage. When you have children, you'll want to make sure you have coverage of at least 10 times your incomes.

This is the least expensive type of life insurance, and the most commonlyused since the cost is so low relative to the value and protection it provides.You can quickly check rates at www.quickquote.com before you call aninsurance broker.

WHAT IS IT? DO I NEED ONE?

DO I NEED ONE?

Did you now that if you die intestate (without a will), then the state you live inwill use the probate process to determine what will happen with your assets? YES

A living trust outlines exactly how your wealth and assets will be transferredupon your death. Unlike a will, any assets in a trust are not subject toprobate and no court system can intervene into the decisions you havemade. YESIt is extremely valuable in estate planning because you control every singleaspect of how your wealth is transferred to heirs. You can also use a trust tohelp avoid or lessen estate taxes, which you cannot do with a will.

You already have a trust agreement in place which is

terrific!

Click below to view a Last Will & Testament on Legalzoom.comhttp://lztrk.com/?a=4191&c=13&p=r&s1=

Think about special provisions that make sense for your situation. Shouldmy kids inherit any money before a certain age? If my spouse re-marries,should their kids be able to inherit anything?

WHAT IS IT?

Even when you have a will, your estate will go through probate, however thisdocument is used to guide the court in making decisions for you and willgreatly improve the chances that your specific wishes are carried out.

Make sure you review and update your wills regularly.

Once you have kids, you'll need to update it and you'll want to

have a plan for guardianship as well.

A will is also used to assign legal guardianship to your minor children, so ifyou have a family this document is especially important.

DISABILITY INSURANCE

HOME INSURANCE

UMBRELLA POLICY

It used to be that only the very wealthy needed umbrella insurance, but moreand more lawsuits happen nowadays. Did you know that you can be suedfrom a car accident and that your wages can be garnished to pay damagesfor the rest of your life if you are not well insured?

Since your networth is over $350,000 and you're

accumulating assets rather quickly, you should consider an

umbrella insurance policy to provide an added layer of

protection.

The more money or assets that you have, the more of a target you becomefor lawsuits, and the more you have to protect. Consider umbrella insuranceonce you have more than $200,000 in assets.

WHAT IS IT? DO I NEED ANY?Umbrella insurance is extra liability insurance that you purchase in additionto your regular insurance policies. As its implies, umbrella insurance sits "ontop of" your car and homeowners insurance policies like an umbrella, toprovide added financial protection in the event that other policies cannotcover the loss.

YES

Homeowner's and renter's insurance are both inexpensive ways to protectyour property and you should always have the applicable form of coverage inplace! YESThe policies can protect you if your personal property is damaged or stolen.They also afford you some liability protection in case anything happens inyour home. Think slip and fall accidents, dog bites, etc.

Be sure to review your homeowner's policy annually to

ensure that the level of coverage still make sense. Remember that how much coverage you have will vary based on the type of

policy in place, the riders you elect, and the state that you live in.

WHAT IS IT? DO I NEED ANY?Disability insurance is hugely important, as it will protect you if you becomedisabled and can no longer work. There are short- and long-term policiesavailable. The most important thing to look out for is "own-occupation"coverage, which grants you insurance money if you are too disabled toperform your own job (not just any job!)

YESA scary statistic shows that if you're under age 35, you have a one in threechance of becoming disabled for at least six months during the course ofyour career. Being stranded without any income during this time would domajor damage to your financial foundation.

If you do not have a policy at work, you should shop for a

long term policy that covers you for at least two years in "own

occupation". You may want to consider short-term disability if

you have unpaid leave.

If your employer offers disability insurance, take it! Getting this type ofinsurance through an employer is the most cost effective way to do it.Otherwise, it is important to secure a long term disability policy on your own.

WHAT IS IT? DO I NEED ANY?

! 5-YEAR CALENDAR

! IMMEDIATE TO-DO'S

YOUR GAME PLANThis Financial Plan would not be complete without a clear game plan for the next five years. I've mapped out exactly how much you need to put towards your financial security and your other financal goals month by month, year by year. I also want to

leave you with easy to implement action items that tie back to everything we have been working on to build your financial well-

being.

Good Grooming: Overall Financial Health☐

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Priority #1: Retirement Savings�

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Priority #2: Credit Cards�

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Sit down and take the LearnVest Roadmap to Retiring in Style - this short and interactive course is a great way to understand how retirement really works and why it is such an essential aspect of your savings today. Log in to the LV website and head to My Plan and then Take a Course for easy access.

Find out if Dell offers a Roth 401(k) which would allow you to withdraw contributions and earnings at retirement tax free! With over 30 years to grow your money this could be a significant tax benefit.

Since you travel often and you pay off your credit card balance in full each month, make sure you are using an airline credit card that is amassing miles to help you travel for free from time to offset future travel expenses. Compare options at www.creditcards.com or chaseblueprint.com.

Don’t throw out or cancel your oldest credit card. The further back your credit history goes, the better your score. So, if you still have your oldest credit card and it’s not currently your main card, keep it active by buying something small on it every so often and paying that off immediately, in full.

Since your husband is self-employed, it is important to meet with a tax advisor on a regularly basis. It might make sense to either make estimated quarterly payments or you can consider having a larger amount withheld from your paycheck if you updated your form W-4 to protect you from having to make a large payment at year end.

YOUR TO-DO'SKeep checking your credit score from time to time so you can track your progress, and watch out for any fraudulent activity with your credit. Credit Karma lets you do a check free of charge with no impact to your score and you can get a full free credit report annually from www.annualcreditreport.com.Learning to avoid spending triggers can be a challenge, but one of the best things I can recommend is to prioritize the degree of satisfaction you get from spending money on a particular thing or activity (like eating out, yoga classes, travel) and then put those things first. Rather than spending on the little things here and there that add up, spend on what you savor the most and "trim the fat" in other areas!Since you plan to use a portion of your savings to buy a new house, consider a laddered CD portfolio instead of investing. Spread out your CD contacts so you have smaller sums in each one, with maturity dates that vary so you never have all of your money tied up, subject to a penalty to withdraw, and so you can maximize interest rate increases that may come available. Compare at www.bankrate.com/cd.aspxLaunch into investing (for goals that are more than five years in the future) by taking the LV Building Your Portfolio and Buying Investments like a Pro courses. Check out LV 's The Market newsletter here: http://www.learnvest.com/how-lv-works/newsletters/. Next up, check your retirement accounts to make sure your portfolio matches your age, timeframe and your risk tolerance.

Priority #3: Emergency Savings�

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Priority #4: Down Payment�

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Priority #5: Take Time Off Work�

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Priority #6: Trip to Africa or Greece!�

� Take a look at the LV Knowledge Center before you plan your next international trip to as a reminder of all the little things that often get overlooked from travel insurance, reviewing your cell phone plan, and credit card exchange rate fees: http://www.learnvest.com/knowledge-center/i-want-to-plan-a-trip/

Open a high yield savings account that offers sub accounts that way you can split up all of your savings into different buckets so you always know how much is saved for various things like emergencies, quarterly estimated taxes, irregular expenses, new house, baby fund/taking time off. Make one sub account just for travel so you always know what you can (and can't!) afford when opportunities come up.Speaking of savings, head over to HR and change your direct deposit so that your monthly savings goes straight from your paycheck into your separate bank account. That way you never even see the money mingled with your checking balance and there is never any worry that you will save only "if something is leftover."

Existing-home prices have over-corrected and are now selling for less than the cost of construction in most of the U.S. As you debate whether to build your next home since your husband is a home builder, or buy an existing one, here is a helpful article to help you: http://money.usnews.com/money/personal-finance/articles/2012/04/23/build-or-buy-a-housing-market-dilemma

Everything you need to know about your taxes and being a homeowner from buying, selling, or just living happily in your home: http://www.learnvest.com/knowledge-center/your-taxes-if-youre-a-homeowner

Think about how raising a family changes your financial priorities. Are you ready to trade off spending in certain areas? Here are two great LearnVest articles to help you re-prioritize once you're starting a family: http://www.learnvest.com/2010/06/how-much-money-does-a-baby-cost-are-you-ready-for-a-baby/http://www.learnvest.com/2012/01/the-makings-of-an-updated-smart-family-budget/Practice living off one salary before the big birth day, and sign up for childcare flex spending accounts if your employer offers them, in order to take advantage of the tax benefits. Read more about child care and figuring out your work (or no work) plan at http://www.learnvest.com/2011/06/budgeting-for-a-baby.

Keep your travel savings in a separate account than your emergency savings or other savings targeted to other goals. That way you never steal from your other priorities as you get ready for trips.

JANE,

To a Richer Life,

Brandie Farnam, CFP ®!!

You have a lot of exciting and challenging goals ahead of you. I know fromexperience that starting fresh with a financial plan means putting some seriousthought and hard work into your finances. This document contains a number ofresources to help you put your plan into motion. After reviewing the paymentcalendar and to-do list for your Financial Priorities, make sure to take a look atthe section about getting your estate documents in order, as well as Learnvest'sSmart Spending Tips. Most importantly, I am here to help and support you. Ifyou have questions along the way, check in with me anytime!

It will be really fun to track your progress, so keep an eye on your LearnVestMoney Center. I suggest checking on your account daily for the first 30 days,and then weekly, so you can review your budget, organize your transactionsinto custom folders, and access a real-time snapshot of all the progress you aremaking.

Remember, a financial plan is based on your situation and goals today, so asyour life changes, you should expect to revisit your goals and to-do's. There areplenty of tasks to be working on until then, and I am confident that the steps inthis plan are going to help ensure a solid foundation for your financial future. Ireally enjoyed building this plan for you and I look forward to talking again soonon our next planning call!

NOW GET GOING!

P L A N N I N G S E R V I C E S

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Check the prices and compare between brands before buying the products. Bulk quantities are often, but not always, cheaper.

APPENDIX: LV'S SMART SPENDING TIPSGROCERIES

Do a thorough fridge and cabinet search to see what items you need: milk, yogurt, bread, cereal, fruit, and meat. Write down an item when it's running out, and keep the list on the refrigerator.

Plan out your meals for the week and write down the ingredients you'll need. When creating the grocery list, try to group items together based on where they are in the supermarket to save time.

Stick to the grocery list and mark it off as you go down each aisle one at a time. Keep an eye out for discount sales and try to avoid impulse foods like convenience food.

Grocery shop with coupons, a set menu and list and avoid stocking the pantry for things you are not cooking this week.

Put oranges, grapefruit and lemons on your grocery shopping list. All citrus fruits contain fiber, which helps you feel full longer and eat less! That's also why it's better to eat the fruit itself rather than just drink fruit juice.

EATING OUT

Drink healthy and order water. Not only is water one of the best tools for weight loss and glowing skin, it's free of charge at restaurants.

Want a meal for 50% off? Sign up on Scoutmob.com to get deals to local food and drink venues. Deals offered on Scoutmob are free but you only pay when you redeem it at the venue.

Avoid the appetizers. Or, even consider eating one as your meal. Sometimes you can make a whole meal just from those cheap eats. Many restaurants offer discount apps for Happy Hour.

Always wanted to try that upscale eatery? Join the Restaurant Week mailing list and enjoy a prix fixe meal at a discounted price. This is a great way to try a fancy new place on th cheap.

Eat local. Support your local Mom and Pops. Prices are often cheaper than chain restaurants. But, an even better reason is that everybody REALLY does know your name.

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AROUND THE HOUSE

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When you cook dinner make sure you pack yourself a lunch for the next day. Try to bring your lunch 4 days a week and only eat lunch out once a week.

Instead of going out to a restaurant, invite friends over and have a cookout or a potluck meal. The cost will be low AND you get to enjoy good company.

Eating out is a luxury so make it one! Save this for special occasions and social gatherings and eat up those groceries.

Skip the late afternoon coffee shop break and instead pack some snacks to keep at your desk. If you are itching for a real break, go for a 10 minute walk and grab an apple instead. Get a to-go cup and brew coffee before work.

Plan, plan, plan. Not having healthy options on hand (or in mind) makes it too easy to resort to fast food, especially when your family is clamoring for something to eat.

Grow your own herbs. Tasty fresh herbs liven up everything you cook, and pre-potted plants are cheap. So if you can keep a plant alive and love to cook, you can’t beat the convenience and the flavor.

It pays to be generic. Most generic drugs and brand name drugs share the same active ingredients. So the results should be the same and you just saved yourself a few extra bucks!

Give up expensive habits, like cigarettes and alcohol. Not only will it take a toll on your life, but those habits will quickly reduce your wallet size. Adopt healthier habits so you can make fewer doctor visits.

Switch to energy-efficient fluorescent light bulbs. You should see your electric bill trim down. And not to mention, you're also helping the environment.

Use billshrink.com to save money on cable, internet and your cell phone. Most people over pay for these services.

DIY. Always look for ways to do something yourself if you can. Don’t call a plumber for a simple clogged drain. Learn how to mend your own clothes. Make your own gifts instead of buying them.

Stop buying bottled water. Less plastic means fewer chemicals and a smaller stake in the Great Pacific Garbage Patch. Reusable bottles are a bonus for your health, the environment and your wallet.

Save money and keep harsh chemicals out of your kitchen by making your own dishwasher detergent. It's an easy way to save precious pennies in your monthly home budget.

ENTERTAINMENT

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BEAUTY

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Swap out traditional cable for Hulu or Netflix, which are only about $8 a month and both offer on demand TV & movies.

The best things in life are free. Visit your local library and sign up for a library card. It's simple and free access to books, CDs, DVDs, magazines, and online resources.

If you do keep cable call your provider and ask for a loyalty discount. Or change providers to get new client discounts.

Find free forms of entertainment in your area! Summer is a great time to go to free outdoor concerts, art fairs, and hiking in the great outdoors.

Cancel unread magazine or newspaper subscriptions. Stop auto-renewals and try to get a refund for the unused portion of your subscription.

Borrow ebooks. If your library is one of 18,000 branches linked up with OverDrive (search.overdrive.com), you can check out titles virtually using your library card number.

When it is time to restock on shampoo and other personal care products, go store brand for a change. Tip bottles upside-down to eek out every drop you paid for before tossing it.

Clean out your beauty closet and make a note of what items you actually use. Organize them into different sections of what you use everyday vs. what you hardly ever use, to know what you need to keep buying.

Instead of spending a ton on spa and salon treatments, consider a DIY facial or hair coloring. If you opt for the spa or salon, use the makeup and toiletires you already have and go longer between appointments.

When possible, purchase pump bottles or squeeze tubes instead of lids or tops that open up. When something does come in a pot or jar, put the lid back on right away to keep it from drying out or getting dirt in it.

Less is more -- you only need a small amount of shampoo and conditioner. Also, don't lather on too much soap -- it will just dry out your skin.

Get gorgeous for free! Swing by one of Benefit's Brow Bars on your birthday to receive a complimentary brow wax - just present an ID with your birth date on it. Visit benefitcosmetics.com to find a location near you.

FITNESS

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Host a fitness class. Find a YouTube video and invite friends over to break a sweat in the comfort of your living room. Search for the activity type (i.e. zumba) and choose one that is led by a certified fitness professional or personal trainer.

Check your local library for fitness DVDs. You can check one out for at least a week- this gives you theopportunity to try many different routines to stave off workout boredom.

Instead of joining a gym to swim, run or bike, find an outdoor alternative such as going to the YMCA to swim laps, running in the great outdoors or buying a used bike on Craigslist.

Do a trial membership. Many gyms offer a trial period in which you can enjoy the benefits of membershipwithout the fees. Anytime Fitness offers a 7-day pass that anyone can print and redeem.

Don't skimp on your running shoes--you'll pay later in visits to the doctor! Visit a store in person to find the pair that fits best. After that, go online to a place like Running Warehouse to replace them at a good price.

Get fit while being cheap. Check cheaper retailers like Target, Walmart, and Kohls for more affordable workoutgear.

Many local running and athletic apparel stores offer walking and running groups, or classes led by certifiedcoaches and trainers. This is a great way to get expert exercise advice and find new workout buddies!

Check out gasbuddy.com for the best deal on fuel in your area. Also, shop for lower car insurance to save even more.

Save on gas. Planning a road trip or renting a car while on vacation? Ask your hotel if it offers a gas rebate to guests. You could get a $25 to $50 gas card at check-in or have fuel expenses deducted from your bill.

Buying or selling a used car? Find out what it's worth using the Kelley Blue Book (kbb.com) and maximize your sale or trade.

Do your research. As you enter a car dealership, come armed with pages of pricing, reviews, research and car buying advice from Edumunds.com. Be an empowered, engaged and educated automotive consumer.

Drive more efficiently -- unload the trunk to lighten the weight of the car or drive more smoothly instead of accelerating quickly and braking.

Carpool. Save on gas costs by carpooling with your work colleagues. You can also save your energy by alternating drivers each day.

YOUR CLOSET

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Why buy brand new when you can swap and spend nothing! Plan a seasonal clothes swap with friends and refresh your closet on the cheap.

Shop with cash only! Leave your credit cards at home and buy only what you can afford with the cash in your pocket.

Think in color palettes. Keep your current wardrobe in mind when you shop for clothes and don’t buy anything that won't go with at least two or three other items that you own, even if it's a hot trend.

Hit the discount chains. There are stylish bargains to be had at stores like T.J. Maxx and Target. Shop Target.com for the latest from their designer partners. Also, check out resale sites like Craigslist and Ebay.

Shop out of season. Shop for spring and summer items in the fall, and buy your fall and winter looks when spring rolls around.

Never hit the mall when new clothes hit the racks. If you pay attention to the fashion week previews, you can shop the trends on a bargain and choose looks that will be around for more than one season.

Shop at consignment stores. Make money on clothes you don't want while shopping for new looks at consignment stores.

Learn to sew. Start by mastering basics like replacing buttons and hemming pants. These few and simple alterations can save you lots of money!

Treat with TLC. Caring for your clothes will help them last longer. Use gentle fabrics, avoid the dryer when possible and hang and fold clothes properly. Always read the clothing care tags!

Use your smartphone to find clothing coupons before you check out: Coupon Closet, Coupon Sherpa, Shooger.

Buy basics from generic brands. Your basics don't need a designer label. Buy T-shirts, tank tops and lounge wear from cheaper stores. Simple cuts and solid colors don't require a high-end designer.

Grab a friend and get half off. Take advantage of buy-one-get-one-half-off sales. If you and your friend are both craving a new pair of jeans, hit the special deals together!

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Don't let gift cards go to waste — you can swap it for someone else's unwanted card on sites like cardavenue.com.

It's always a smart idea to go cashless and use a debit card for everything. Also be sure to manually log cash transactions on the Money Center when you do use the green stuff, so hang onto those receipts.

Do sign up for your favorite store’s mailing list. The store will likely send you all kinds of coupons to use in the future.

Look for coupons in the newspapers. Each week in your Sunday paper, clip out coupons from large department stores.

Offer to pay in cash. Small businesses especially appreciate this, and are often more willing to give you a discount - particuarly in places like markets and other casual settings.

Befriend the salesperson -- even if you are not buying something at that time, the salesperson will be more inclined to let you know when a sale is coming up.

Go shopping during sales or major holidays. You can even learn about sales by asking sales assistants. They know when a sale is approaching and which items, specifically, will be on sale.

Start tracking your spending and close your budget gap. I bet you will be surprised to see how your money was really spent!

Switch to a cashless diet! Keep cash withdrawals to a minimum so you can track where your money is going with your debit card.

Stop using a credit card and switch to a debit card for all your expenses and then use the LV Money Center to track all your spending.

Log in to your online bank account and opt into daily balance alerts, low balance alerts, and any other alerts you might find useful in order to avoid bank fees.

Download your bank's mobile app on your smartphone to track your spending on the go.

A low-tech solution to track spending is to carry around a notebook and log your expenses or hold onto your receipts and add them up at the end of the week.

DISCLOSURES

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Office number: 866-931-4099

Information in this Financial Plan is for educational purposes only. Calculationsare all estimates based on information that you provided. The suggestions hereare neither appropriate for the purposes of making a decision to carry out atransaction or trade nor do they provide any form of personal financial advice(investment, tax, or legal), or make any recommendations regarding particularfinancial instruments, investments, or products. LearnVest is not a broker or taxadvisor. The Services are intended only to assist you in your household andfinancial organization. Please let us know if you have any questions.

www.learnvest.com

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