1. Will You Outlive Your Retirement Income?

2. Everyone is Living Longer 1340 BC 1400 AD 1800 AD 1900 AD 2000 AD 2040 AD Source: “The Exponent of Life Expectancy” by Nick Murray, Financial Advisor, March 2007.

3. Probability of a 65-year-old living to various ages Source: Annuity 2000 Mortality Tables. © 2009 Morningstar, Inc. All rights reserved. 3/1/2009 0 25 50 75 100% 65 years old707580859095100105 Male Female At least one spouse 7886 8591 96 81 88 93

4. The Year Was 1973 US completes withdrawal from Vietnam OPEC hikes oil prices #1 Song – “You’re So Vain” by Carly Simon #TV Show – All in the Family 1 st Class Stamp - 8¢ Average Gas Price - 35¢/gallon

5. 19732013 Stamps$1.00$5.75 Gas$1.00$8.46 Fixed Income$1.00$7.96 100% Simulated Equity (Stock) Portfolio $1.00$101.14 Stamp and gas price sources - www.1970sflashback.com/1973/economy.asp, www.akdart.com/postrate.html and www.bls.gov/ro3/apmw.htm. 100% Simulated Equity (Stock) Portfolio performance is derived from both historical and simulated data and does not guarantee future results. Information from sources deemed reliable and current, but its accuracy cannot be guaranteed. See Sources and Descriptions of Data at the end of this booklet. Inflation Affects Your Wealth

6. IMPORTANT: Data generated by Morningstar regarding the likelihood of various investment outcomes using the Ibbotson Wealth Forecasting Engine are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary over time and with each simulation. This is for illustrative purposes only and not indicative of any investment. An investment cannot be made directly in an index. © 2013 Morningstar, Inc. 3/1/2013 86% 32% 3% 0% 97% 70% 25% 4% 0% 96% 79% 51% 26% 11% 93% 80% 61% 42% 26% 90% 77% 63% 49% 36% 4% 5% 6% 7% 8% 100% Bonds 75% B 25% S 50% B 50% S 25% B 75% S 100% Stocks Various withdrawal rates and portfolio allocations over a 25-year retirement Less likelyMore likely Annual Withdrawal Rate Probability of Meeting Your Retirement Income Needs

7. Congratulations! You’re on Your Way to a Comfortable Retirement!

8. Any questions….. Thanks for listening!