1. City, State

2. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 2 A completely new advice process: Specifically designed to: » Avoid unnecessary investment risk While: » Confidently achieving your goals » Without undue sacrifice to your lifestyle

3. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 3 Wealthcare is an easy process that puts everything together: “Stress Test” Goals Acceptable & Ideal Goals Define Major Life Goals Prioritize Goals Recommendation “In Balance” Comfort & Confidence Implement Allocation Monitor Progress New Goals or Priorities

4. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 4 This new process has many benefits compared to traditional services: “Stress Test” Goals Acceptable & Ideal Goals Define Major Life Goals Prioritize Goals Recommendation “In Balance” Comfort & Confidence Implement Allocation Monitor Progress New Goals or Priorities Traditional Financial Services WealthcareBenefit Complicated questionnaires asking for meaningless details Focus on what is important Easier Goals compromised to maximize investment amount Identify aspirationsAchieve goals otherwise ignored Identify maximum risk tolerance… Position you to experience it! Evaluate whether risk is necessary Avoid unnecessary risk Solutions based on sacrifice (additional savings) Solutions based on YOUR priorities Avoid unnecessary lifestyle sacrifice Monitor performance (what happened?) Monitor PROGRESS (will I meet my goals?) Identify problems & opportunities in advance Update annually at best Update on demandMore choices and better decisions Confidence completely unknown Confidence (comfort) calculated, monitored and kept in “balance” Comfort that goals can be achieved

5. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 5 Your Aspirations (Ideal) and Traditional Goals (Acceptable) Traditional advisory services focus on maximizing the size of your investment portfolio by minimizing your spending, maximizing your savings and positioning you in a portfolio with the highest risk you can tolerate. Achieving goals otherwise ignored and minimizing investment risk is what the Wealthcare process is all about. For most people, some goals are more important than others. Your primary financial goals as determined in our goal assessment are outlined above.

6. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 6 “Stress Testing” Uncertain <75% A success percentage below 75% means that there is too high of a chance you may not achieve your goals. Adjustments need to be made to your goals, your allocation or your investments Sacrifice >90% A success percentage above 90% indicates that you are needlessly sacrificing your financial goals. You could take less investment risk, achieve larger or more goals and still maintain confidence in your financial future. Confidence & Comfort (in “balance”) A success percentage between 75% and 90% should give you confidence that your goals will be met. This reading indicates a set of goals that is manageable and avoids unnecessary investment risk. You may find at some future date minor changes may be suggested, but they are likely to be small, easily manageable and exposed well in advance through ongoing monitoring. How does “Stress Testing” Work? Central to the Wealthcare process is the Confidence calculation. This analysis simultaneously evaluates your goals, your investment allocation and your assets to determine how confident you can be that your goals will be met. The Wealthcare process subjects your goals and investment strategy to this sophisticated ‘stress testing’ process which simulates 1000 market environments, both good and bad. Your Confidence or Comfort is the percentage of the 1000 simulations that achieve your goals (success). For example, if you achieved all of your goals or more in 830 of 1000 tests (% successful) your confidence is 83%.

7. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 7 “Stress Test” Results For Your Goals The Level of Success for your goals… Demonstrates how confident you can be considering all of the goals outlined and your investment strategy. The Success % means you achieved all of your goals and more. The < Target % means you achieved all your goals, but fell short of your estate goal. The Failure % means you would have needed to modify your goals at some point during your life. Remember, below 75% means you may be disappointed and above 90% means you are making needless sacrifices to your lifestyle. Comfort Zone Too Much Compromise

8. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 8 Recommendation Your Recommended Goals are custom designed based on your priorities. This recommendation is designed to avoid undue sacrifices to your financial lifestyle and if possible avoid unnecessary investment risk. With these objectives in mind, our recommended goals and investment strategy falls within balance so that you can be confident that any future modifications to your goals will be moderate and manageable through ongoing monitoring.

9. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 9 Monitoring Your Progress

10. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 10 Achieving Your Goals Monitoring Your Progress… As financial markets, financial goals and priorities change, we monitor your progress on an ongoing basis. The Wealthcare process identifies in advance the future portfolio values needed to maintain balance between confidence and undue sacrifice. This monitoring process enables us to track where your current portfolio falls so we can alert you of potential problems, or help you achieve additional goals you may have. Additionally, this dynamic process recognizes that throughout your life, goals and priorities change. In such cases we will design new recommendations for you. 54 55 56 57 58 59 60 61 Age $2,000,000 $675,000 $100,000 Sacrifice Projected Comfort Uncertain Your Portfolio Comfort

11. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 11 Updating Changing Goals As your goals and priorities change… So will your lifetime plan. Please use this form to update us on any changes you would like to make to your goals or inform us of new goals you may have. Your financial advisor can work with you to redesign your recommended goals for changes you may desire. Please tell us about any new goals you may have:_______________________________________________________________ Please tell us about any changes to your goals you would like us to review by entering them in the amendments below: Amendments

12. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 12 Implementing Your Plan

13. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 13 Asset Allocation Your Asset Allocation is a critical component of meeting your lifetime goals. Our recommended asset allocation is designed to balance avoiding unnecessary risk while maintaining confidence in achieving your goals.

14. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 14 Wealthcare Benefits for Albert & Mary Client Retire TWO YEARS EARLIER $5,000 MORE in retirement income $15,000 MORE for travel $15,000 LESS in annual savings 1/3 LESS risk Wealthcare Benefit: Life With Wealthcare Life With Traditional Services Retirement Age6668 Retirement Income$95,000$90,000 College FundingYes Retirement Travel$25,000$10,000 Savings$30,000$45,000 Estate Goal$500,000 Asset AllocationBalancedBalanced Growth Average Return9.94%11.17 Downside Risk-10.93%-15.06 Confidence & Comfort86Unknown Comfort that goals can be met

15. ©Copyright Financeware, Inc. 2002 All rights reserved PAGE 15 Summary- Wealthcare Benefits: Easier Achieve goals otherwise ignored Avoid unnecessary risk Avoid unnecessary lifestyle sacrifice Identify problems & opportunities in advance More choices and better decisions Comfort that goals can be achieved