Setup Household

Setup Income

Setup Goals

Assets & Liabilities

Net Worth Summary

Risk Preference

Model Portfolio

Setup Household

Goal Assignment

Household Name
Principal/Owner
Current Age
Expected Retirement Age
Date of retirement
Life Expectancy
Additional Principal
Current Age
Expected Retirement Age
Date of retirement
Life Expectancy
Tax Filling Status
Average Tax Rate for Household

Add Household Member

Economic Assumptions

	Default Value	User Value
Cost of Living Adjustment	2.5%	%
Future Income Discount Rate	Use Goal Discount Rate for the Must Have Amount Use Treasury Yield Curve
Goal Discount Rates
Must Have Amount Goal Discount rate	6.0%	%
Good to Have Amount Goal Discount rate	6.8%	%
Nice to Have Amount Goal Discount rate	7.5%	%

Setup Income

Setup Current Expenses

What is your current earned income and how will it change?

Add

John Doe's Salary is:	$ / yr	At what rate do you expect the salary to increase every year?	%
Jane Doe's Salary is:	$ / yr	At what rate do you expect the salary to increase every year?	%
Salary is:	$ / yr	At what rate do you expect the salary to increase every year?	%

Would you like to specify any other streams of income?

Add

Income Name	Owner	Amount	Start at Age	End at Age	Tax Free?
		$
		$
		$

Would you like the program to estimate your social security benefit?

	Benefit Amount (Monthly)	Benefit Start Age
John Doe	$ 2,280
Jane Doe	$ 1,771

Do you expect to receive income from Pensions?

Add

Pension Name	Owner	Amount	Start at Age	Inflate after start age?
		$
		$

Setup Income - Spending Projections Results

Modify

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026	2027	2028	2029	2030	2031	2032
Housing	$18191	$18737	$19299	$19878	$20474	$21088	$21721	$22373	$23044	$23735	$24447	$25181	$25936	$26714	$27516	$28341	$29191
Food	$5129	$5283	$5441	$5605	$5773	$5946	$6124	$6308	$6497	$6692	$6893	$7100	$7313	$7532	$7758	$7991	$8231
Transportation	$5136	$5290	$5449	$5612	$5781	$5954	$6133	$6317	$6506	$6701	$6902	$7109	$7323	$7542	$7769	$8002	$8242
Health Care	$5146	$5300	$5459	$5623	$5792	$5966	$6145	$6329	$6519	$6714	$6916	$7123	$7337	$7557	$7784	$8017	$8258
Personal Items	$2733	$2815	$2899	$2986	$3076	$3168	$3263	$3361	$3462	$3566	$3673	$3783	$3897	$4014	$4134	$4258	$4386
Entertainment	$2583	$2660	$2740	$2823	$2907	$2994	$3084	$3177	$3272	$3370	$3471	$3575	$3683	$3793	$3907	$4024	$4145
Other	$3807	$3921	$4039	$4160	$4285	$4413	$4546	$4682	$4823	$4967	$5116	$5270	$5428	$5591	$5758	$5931	$6109
Total	$42725	$44007	$45327	$46687	$48087	$49530	$51016	$52546	$54123	$55746	$57419	$59141	$60916	$62743	$64625	$66564	$68561

Retirement Expenses by Year

Setup Goals

Recurring Goals

Goal Name	Type	Must Have Amount	Good To Have Amount	Nice To Have Amount	Frequency	Start Date	End Date
Living Expenses	Retirement	$ 7,500	$ 10,000	$ 12,500	Monthly	July, 2032	July, 2060
Retirement Travel	Retirement	$ 1,000	$ 1,500	$ 2,000	Monthly	July, 2032	July, 2060
College	Education	$ 25,000	$ 40,000	$ 70,000	Annually	Mar, 2022	Mar, 2026
Long Term Care	Retirement	$ 1,000	$ 1,500	$ 2,000	Monthly	July, 2032	July, 2060
Total		$ 34,500	$ 53,000	$ 86,500

One-Time Goals

Goal Name	Type	Must Have Amount	Earliest Date	Good To Have Amount	Target Date	Nice To Have Amount	Latest Date	Frequency
House Renovation	Other	$ 25,000	Mar, 2028	$ 35,000	Mar, 2030	$ 45,000	Mar, 2030	One-Time
Sports Car	Car	$ 50,000	Jun, 2019	$ 75,000	Jun, 2021	$ 100,000	Jun, 2021	One-Time
Vacation Home	Other	-	-	-	Sep, 2042	$ 300,000	Sep, 2042	One-Time
Total		$ 75,000		$ 110,000		$ 445,000

Assets & Liabilities

Assets
Total Assets Value: $1,810,000

Investment Assets
Name	Type	Owner	Holdings	Value	Delete
John's Brokerage	Brokerage	John Doe	View	$ 350,000
Jane's Brokerage	Brokerage	Jane Doe	View	$ 200,000
529 Plan	529 Plan	John Doe	View	$ 50,000
Roth IRA	Roth IRA	John Doe	View	$ 150,000
401 (k)	401 (k)	John Doe	View	$ 150,000
Total Investment Assets				$ 900,000

Other Assets
Name	Type	Owner	Value	Delete
Residence	Real Estate	John Doe	$ 750,000
Personal Property	Personal Property	John Doe	$ 150,000
Other	Other	John Doe	$ 10,000
Total Other Assets			$ 910,000

Liabilities
Total Liabilities Value: $ 920,000


Name	Type	Owner	Value	Delete
Mortgage	Mortgage	John Doe	$ 650,000
Home Equity	Mortgage	John Doe	$ 100,000
Credit Card	Credit Card	John Doe	$ 70,000
Educational	Educational Loan	John Doe	$ 40,000
Personal	Personal Loan	John Doe	$ 30,000
Auto	Auto Loan	John Doe	$ 30,000
Total Liabilities			$ 920,000

Net Worth Summary

	Investment Assets	$ 900,000
	Other Assets +	$ 910,000
	Total Assets	$ 1,810,000
	Total Liabilities -	$ 920,000
	Net Worth	$ 890,000

Description	Total
Investment Assets
Tax-Advantaged Accounts	$ 350,000
Taxable Accounts	$ 550,000
Total Investment Assets	$ 900,000
Other Assets
Real Estate	$ 750,000
Personal Property	$ 150,000
Others	$ 10,000
Total Other Assets	$ 910,000
Liabilities
Mortgage	$ 750,000
Credit Cards	$ 70,000
Educational Loan	$ 40,000
Personal Loan	$ 30,000
Auto Loan	$ 30,000
Total Liabilities	$ 920,000
Net Worth	$ 890,000

Risk Preference Show Results

Determining Risk Profile

Conservative

Moderately Conservative

Moderate

Moderately Aggressive

Aggressive

Risk Tolerance Score
	0 - 10	11	12	13	14	15	16	17	18	19	20	21	22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38	39	40
3-4
5-6
7-9
10-12
14-18
Time Horizon Score

Recommended Model Portfolio

Client View

Must Have

Avg. Annual Return	7.5 %
Best Year	22.8 %
Worst Year	-4.6 %

	Large Cap Equity	15%
	Small Cap Equity	0%
	International Equity	5%
	Fixed Income	50%
	Cash Investments	30%

Good to Have

Avg. Annual Return	9.1 %
Best Year	27.0 %
Worst Year	-12.5 %

	Large Cap Equity	35%
	Small Cap Equity	15%
	International Equity	10%
	Fixed Income	30%
	Cash Investments	10%

Nice To Have

Avg. Annual Return	9.8 %
Best Year	30.9 %
Worst Year	-20.9 %

	Private Equity	45%
	Hedge Fund	20%
	International Equity	15%
	Fixed Income	15%
	Cash Investments	5%

Create Model Portfolio

Model Portfolio Name	Charging Structure	Model Portfolio Type	Model Portfolio Status
Portfolio AV1	Explicit	Advisor	Current
Cat DM Test v1	All	Advisor	Closed
Demo FP - Balanced v1	Explicit	Advisor	Historic
Demo FP - Balanced v2	Explicit	Advisor	Current
Demo FP - Cautious v1	Explicit	Advisor	Historic
Demo FP - Cautious v2	Explicit	Advisor	Historic
Demo FP - Cautious v3	Explicit	Advisor	Historic
Demo FP - Cautious v4	Explicit	Advisor	Historic
Demo FP - Cautious v5	Explicit	Advisor	Historic
Demo FP - Cautious v6	Explicit	Advisor	Historic
Demo FP - Cautious v7	Explicit	Advisor	Current
JH Test 01 Fund v1	All	Advisor	Current
JS MP v1	All	Advisor	Closed

Search & Select

Client View

Model Portfolio Details

Model Portfolio Name

Charging Structure

Model Portfolio Build Method

		Cash	Fixed Interest	Domestic Equities	Developed Markets	Emerging Markets	Property	Other	Total
Target Investment Allocation		%	%	%	%	%	%	%	%
Asset Allocation		%	%	%	%	%	%	%	%
Actual Asset Allocation (Underlying Investments)		1.00%	47.56%	3.60%	27.48%	13.18%	7.17%	0.00%	100.00%
Fidelity Moneybld Income	Alloc: %	2.70%	97.30%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Aberdeen Asia Pacific Equity A Acc	Alloc: %	2.10%	0.00%	0.00%	62.50%	35.40%	0.00%	0.00%	0.00%
Artemis Strategic Bond MR Acc	Alloc: %	0.00%	100.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Architas MA Active Growth R Acc	Alloc: %	0.00%	0.00%	36.04%	56.09%	7.87%	0.00%	0.00%	0.00%
Architas MA Act Res R Acc	Alloc: %	0.00%	71.34%	0.00%	0.00%	0.00%	28.66%	0.00%	0.00%
Total Amount Allocated	100.00%

Search Criteria

Search Type

Name

Code

Fund Manager

Asset Class

Risk Rating

Search Result

Type	Code	Investment Name	QTD Return (Gross)	QTD Return (Net)	Allocation (%)
Investment Fund	X324	Architas MA Act Res	4.51	4.21	0.00
Investment Fund	V245	Architas MA Active Dynamic R	2.12	1.89	10.00
Investment Fund	D578	Architas MA Active Growth acc	1.36	1.16	0.00
Investment Fund	VC11	Architas MA Active Growth inc	3.21	2.89	20.00
Investment Fund	K245	Architas MA Act Active Interim acc	4.55	4.12	25.00
Investment Fund	QT24	Architas MA Act Moderate Interim acc	2.75	2.45	0.00
Investment Fund	X454	Architas MA Dynamic R	1.56	1.32	10.00
Investment Fund	V548	Architas MA Principal Protection	3.74	3.55	0.00
Investment Fund	D543	Aberden Asia Pacific Equity Growth	1.36	1.15	35.00

Performance

Back

Cumulative Performance of 5 Years

Rank

Item	Type	Code	1 Month		6 Months		1 Year		3 Years		5 Years
Item	Type	Code	%	Rank	%	Rank	%	Rank	%	Rank	%	Rank	%	Rank	%
Axa Framlington UK Sel Oppo Zi Acc	Managed Fund	11VZ	+2.0	-	+2.4	-	+1.4	-	0.0	-	0.0	-
JPM New Europe C Acc	Managed Fund		-15.4	584	-23.4	572	-28.7	575	0.0	-	0.0	-
JPM US Equity Income C Acc	Managed Fund		+12.2	28	+18.2	59	+22.3	65	+68.8	125	0.0	-
Invesco Perp Corporate Bd Z Acc	Managed Fund	GUVQ	+1.3	-	+1.7	-	+5.8	-	0.0	-	0.0	-

Question :	Add Options

Enter Bank Account

Request to add Other Bank Account:
Please Enter valid Username. Please Enter valid Password.
Bank Name	:
Bank Website's URL	:
Bank's Login URL	:
User Name	:
Password	:
		What is your mother's maiden name?

		What was your School name?



		Your credentials are encrypted using 128/256 SSL Bank-Level-Security encryption

Security Name	Symbol	Security Type	Price	Quantity	Market Value	Cost Basis	QTD Returns	% Assets
American Century Balanced	ABINX	MF	11.5	1015	11,665.46	16,770.00	-6.53	1.02%
American Century Real Est	REACX	MF	7.8	600	4,680.00	21,000.00	-32.85	0.41%
American Century Ultra In	TWUIX	MF	14.17	103	1,454.00	3,061.17	-3.93	0.13%
AT&T, Inc.	T	ST	25.2	300	7,560.00	5,874.00	-10.25	0.66%
ATTLEBORO Corporation	049843XJ9	FI	105.22	5110	5,37,538.36	5,00,000.00	2.54	46.91%
Chevron Corporation	CVX	ST	67.24	585	39,335.40	40,049.10	-8.25	3.43%
Fidelity MA Municipal	FDMXX	FM	1	94,748.86	94,748.86	-94,748.86	0.03	8.27%
Fidelity U.S. Treasury	FDLXX	FM	1	500	500	500.00	0.03	0.04%
General Electric Company	GE	ST	10.11	5000	50,550.00	1,72,250.00	-35.67	4.41%
Goodrich Corporation	GR	ST	37.89	1600	60,624.00	92,555.00	3.11	5.29%
Nike, Inc. B	NKE	ST	46.89	1600	75,024.00	1,60,755.00	-7.48	6.55%
Nuveen All-American	FLAAX	MF	9.3	500	4,650.00	4,405.00	7.13	0.41%
PowerShares Water Resources	PHO	ETF	11.93	13700	1,63,441.00	2,50,710.00	-16.87	14.26%
Procter & Gamble Company	PG	ST	47.09	2000	94,180.00	1,24,620.00	-23.3	8.22%
Total					11,45,951.08	12,97,800.41	-9.85%	100.00%

Question :	Add Options

1. What is your current age?	Weight Score
Less than 45 45 to 55 56 to 65 66 to 75 Older than 75
2. Household to begin withdrawing money from my investments in?	Weight Score
Less than 1 year 1 to 2 years 3 to 4 years 5 to 7 years 8 to 10 years 11 years or more
3. Once I begin withdrawing funds from my investments, I Household to spend all of the funds in?	Weight Score
Less than 2 years 2 to 5 years 6 to 10 years 11 years or more
4. When making a long-term investment, I Household to keep the money invested for?	Weight Score
1 to 2 years 3 to 4 years 5 to 8 years 9 to 10 years 11 years or more

1. I would describe my knowledge of investments as?	Weight Score
None Limited Good Extensive
2. When I invest my money, I am?	Weight Score
Most concerned about my investment losing value Equally concerned about my investment losing or gaining value Most concerned about my investment gaining value
3. From Sep 2008 through Nov 2008, stocks lost more than 31% of their value. If I owned a stock investment that lost about 31% of its value in three months, I would?	Weight Score
Sell all of the remaining investment Sell some of the remaining investment Hold on to the investment and sell nothing Buy more of the investment
4. Generally, I prefer an investment with little or no ups or downs in value, and I am willing to accept the lower returns these investments may make.	Weight Score
Strongly disagree Disagree Somewhat agree Agree Strongly agree
5. When the market goes down, I tend to sell some of my riskier investments and put the money in safer investments.	Weight Score
Strongly disagree Disagree Somewhat agree Agree Strongly agree
6. From Sep 2008 through Oct 2008, bonds lost nearly 4% of their value. If I owned a bond investment that lost almost 4% of its value in two months, I would ?	Weight Score
Sell all of the remaining investment Sell some of the remaining investment Hold on to the investment and sell nothing Buy more of the investment
7. My current and future income sources (such as Salary, Social Security, Pension) are . . .?	Weight Score
Sell all of the remaining investment Sell some of the remaining investment Hold on to the investment and sell nothing Buy more of the investment
8. When it comes to investing in stock or bond mutual funds (or individual stocks or bonds), I would describe myself as . . .?	Weight Score
Very inexperienced Somewhat inexperienced Somewhat experienced Experienced Very experienced

Account Type
Account Name
Account Owner
Account Value	$
Cost Basis	$
Cost Basis Value as of
Annual Contributions After-Tax:	$
Start Age
End Age
Inflation Rate (%)
Historical Annual ROR

Asset Category
Asset Name
Account Owner
Asset Value	$
Cost Basis	$
Acquisition Date

Liability Type
Liability Name
Liability Owner
Initial Amount	$
Remaining Liability	$
Annual Interest Rate
Payment Frequency
Payment Amount	$
Start Date
End Date

Setup Household

Goal Assignment

Economic Assumptions

Setup Income

What is your current earned income and how will it change?

Would you like to specify any other streams of income?

Would you like the program to estimate your social security benefit?

Do you expect to receive income from Pensions?

Setup Income - Spending Projections

What is your current age?

At what age do you plan to retire?

Setup Income - Spending Projections Results

Retirement Expenses by Year

Setup Goals

Recurring Goals

One-Time Goals

Assets & Liabilities

Assets
Total Assets Value: $1,810,000

Liabilities
Total Liabilities Value: $ 920,000

Net Worth Summary

Risk Profile Questionnaire

Time Horizon

Risk Tolerance

Risk Preference Show Results

Determining Risk Profile

Recommended Model Portfolio

Must Have

Good to Have

Nice To Have

Filters

Search Result

Search & Select

Model Portfolio Details

Model Portfolio Build Method

Search Criteria

Search Result

Performance

Cumulative Performance of 5 Years

Rank

Setup Household

Goal Assignment

Economic Assumptions

Setup Income

What is your current earned income and how will it change?

Would you like to specify any other streams of income?

Would you like the program to estimate your social security benefit?

Do you expect to receive income from Pensions?

Setup Income - Spending Projections

What is your current age?

At what age do you plan to retire?

Setup Income - Spending Projections Results

Retirement Expenses by Year

Setup Goals

Recurring Goals

One-Time Goals

Assets & Liabilities

Assets Total Assets Value: $1,810,000

Liabilities Total Liabilities Value: $ 920,000

Net Worth Summary

Risk Profile Questionnaire

Time Horizon

Risk Tolerance

Risk Preference Show Results

Determining Risk Profile

Recommended Model Portfolio

Must Have

Good to Have

Nice To Have

Filters

Search Result

Search & Select

Model Portfolio Details

Model Portfolio Build Method

Search Criteria

Search Result

Performance

Cumulative Performance of 5 Years

Rank

Assets
Total Assets Value: $1,810,000

Liabilities
Total Liabilities Value: $ 920,000