2008R2 Enhancements Presented by Trip Higginbotham

2008R2 Enhancements Summary of Voted Enhancements EnhancementDesktopWeb Ability to Add Client Data across Multiple Scenarios Detailed Analysis Tools – ETA, WDA, RTD, FNA, WS XX Ability to Add Multiple Favorites in the ETA Print Options Estate Tax Analysis XX Illustrate Withdrawals from Proposed Annuities in RRM Retirement Road Map XX Change Look and Feel of FNA to be More like Life Goals Financial Needs Analysis X Addition of Proposed Life Insurance to Annuity Strategies Annuity Strategies XX Addition of “Print on Behalf of another User” Function for BC and KP Business Continuation, Key Person X Change “BV” to “Business Value Details” on button in BC and KP Business Continuation, Key Person X

2008R2 Enhancements Additional “Free” Enhancements EnhancementDesktopWeb “Downsizing” as a Planning Recommendation Detailed Analysis Tools – ETA, WDA, RTD, FNA, WS XX 5% Owner Prompt on the Retirement Distribution Transaction Detailed Analysis Tools – ETA, WDA, RTD, FNA, WS XX Long-Term Care as a Trigger for Start and Stop Events Detailed Analysis Tools – ETA, WDA, RTD, FNA, WS XX “Save Favorites” for Additional Tools WDA, RTD, FNA XX

Add Client Data across Scenarios Three Options 1.This scenario ONLY 2.Existing scenarios 3.Current Situation and ALL scenarios Applies to the following data types: Assets Liabilities Existing and Proposed Trusts Retirement Plans, Existing Proposed Insurance policies (life, disability and long-term care) Goals Living Expenses Transactions *Some data entry could not be accommodated. 2008R2 Enhancements

To Create the Favorite: 1.Go to Print Options 2.Click “Save As Favorite” 3.Enter Name and Description 4.Click “Save Favorite” 2008R2 Enhancements Multiple Favorites in ETA Print Options

2008R2 Enhancements Multiple Favorites in ETA Print Options To Print Using a Favorite: 1.Select from list on right side of Report Package screen *Click Trash Can icon to delete Saved Favorite

Withdrawal Options 1.Percent of Annual Balance 2.Flat Amount w/ Inflation 3.Annuitant’s Start Age 4.Option to Switch to Settlement Option 5.ROR for Annuity 2008R2 Enhancements Proposed Annuity Withdrawals in RRM

Consistent with Life Goals 1.Page Header Fonts & Style 2.Bullet-point Objectives & Assumptions 3.Shadow Boxes Rework Flow of Presentation 1.Re-title Retirement Pages 2008R2 Enhancements Update FNA Look & Feel

Consistent with Life Goals 1.Page Header Fonts & Style 2.Bullet-point Objectives & Assumptions 3.Shadow Boxes Rework Flow of Presentation 1.Re-title Retirement Pages 2.Survivor Needs – Survivor Income Needs vs. Immediate Needs 2008R2 Enhancements Update FNA Look & Feel

Consistent with Life Goals 1.Page Header Fonts & Style 2.Bullet-point Objectives & Assumptions 3.Shadow Boxes Rework Flow of Presentation 1.Re-title Retirement Pages 2.Survivor Needs – Survivor Income Needs vs. Immediate Needs 3.Disability – Add % of Net Worth Lost at Retirement 2008R2 Enhancements Update FNA Look & Feel

Consistent with Life Goals 1.Page Header Fonts & Style 2.Bullet-point Objectives & Assumptions Rework Flow of Presentation 1.Re-title Retirement Pages 2.Survivor Needs – Survivor Income Needs vs. Immediate Needs 3.Disability – Add % of Net Worth Lost at Retirement 4.LTC for Client & Spouse 2008R2 Enhancements Update FNA Look & Feel

Same Concept as Stretch IRA 1.Use Life Insurance to Pay Estate and IRD Taxes 2.Annuity Stays in Tact to Continue Growing Tax- Deferred 2008R2 Enhancements Proposed Life Insurance in AS

Same As Detailed Analysis 1.Advisor Name appears on the Cover Page 2.Home Office User is Added as a Team Member 3.Journal Records both Home Office and Advisor 2008R2 Enhancements “Print on Behalf of” for BC and KP

Renamed “Business Value Details” 1.Can be Removed if Needed 2008R2 Enhancements Rename “BV” Button for BC and KP

“Downsizing” as a Planning Recommendation Access home equity during retirement by selling the primary residence and purchasing a residence of lesser value. 5% Owner Prompt on the Retirement Distribution Transaction Allows user to elect for RMD’s to be deferred (and contributions to continue) after the required beginning date (70½). Long-Term Care as a Trigger for Start and Stop Events Especially important in RTD, WS, FNA where advisors can illustrate the effects of a long- term care event. “Save Favorites” for Additional Tools Implemented in WDA, RTD, FNA. 2008R2 Enhancements Additional “Free” Enhancements