Case Study: Finding Income in a Low Interest Rate Environment Stuart: Good afternoon, and thank you all for attending. Presented By: Dana Rhodes NFP Advisor Services Group ACR#88576

The hypothetical case studies are for illustrative purposes only and should not be deemed a representation of past or future results. These examples do not represent any specific product, nor do they reflect sales charges or other expenses that may be required for some investments. No representation is made as to the accurateness of the analysis. This submission is approved on this condition.

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Case Study #1 Client Profile Sex: Male Age: 58 Spouse’s Age: 55 Risk Tolerance: Moderately Conservative Net Worth: $1.5 million Annual Salary: $150,000 Liquid Assets: $1.25 million After market volatility, the client moved his entire portfolio to cash. He would like to retire in 10 years so he’s concerned with growing his nest egg conservatively and generating a sustainable income in 10 years at retirement.

Case Study #2 Client Profile Sex: Male Age: 55 Spouse’s Age: 54 Risk Tolerance: Moderate Net Worth: $2 million Annual Salary: $200,000 joint ($125,000 single) Liquid Assets: $1 million The client’s wife is recovering from a debilitating car accident that has left her in need of in-home care. He and his wife were not planning to retire for another 10+ years, but they now find themselves in a situation requiring more monthly income on one salary instead of two.

Case Study #3 Client Profile Sex: Female Age: 45 Marital Status: recently widowed Children: 18 and 20 years old Risk Tolerance: Moderate Net Worth: $2 million Annual Salary: non-working Liquid Assets: $2 million life insurance proceeds from husband The client’s husband recently passed away. She has not been employed since before her children were born. Her oldest child is in college and the youngest just started college this fall. She inherited a $2MM life insurance death benefit, but is now concerned with maintaining her lifestyle, funding her children’s education and having a sustainable lifetime income.

Case Study #4 Client Profile Sex: Male Age: 70 Spouse’s Age: 57 Risk Tolerance: Conservative Net Worth: $2.5 million Annual Salary: retired Liquid Assets: $600,000 qualified | $400,000 nonqualified The client needs to take RMDs and generate enough income to live comfortably off of his qualified assets since he doesn’t have a pension. He also wants to leave a legacy for his wife. Unfortunately, he’s uninsurable so life insurance is not an option for him.

Questions

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