April, 2007 Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Test Drive

Why A Retirement Test Drive? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: To answer the difficult questions 2.Before making changes, wouldn’t you want to know how your present plans work? 3.Specific answers often require specific details A personalized, Scenario driven, “What-if…?” Presentation system Retirement Test Drive

Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: A Natural Extension of PlanLab Products

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Uses all data from Detailed Planning Different death assumptions for each client Shows life expectancy at individual’s retirement Illustrates mortality risks – dying right after retirement or out living resources Illustrates health risks – effects of a LTC expense (nursing home stay) Automatically illustrate “downsizing” MCS – probability of running out of money probability of success with desired “restrictions”

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Not just results – but “intelligent” solutions suggested Restricted assets value at time of shortfall Savings needed – between now and shortfall – from now to retirement – % of income to retirement Home equity at shortfall – consider downsizing Qualified plan distributions Restrictions on assets?

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Adverse Risk Page

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Adverse Risk Page Designed for Quick, Easy Comparisons Differences between the current situation and the proposed scenario are shown on one page – automatically

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Adverse Risk Page Designed for Quick, Easy Comparisons Comparison graphs on one page with identical scales – clients easily see the differences

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Adverse Risk Page Designed for Quick, Easy Comparisons Comparison graphs on one page with identical scales – clients easily see the differences – all graphs are available for comparisons

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Adverse Risk Page Designed for Quick, Easy Comparisons Comparison graphs on one page with identical scales – clients easily see the differences – all graphs are available for comparisons

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Adverse Risk Page Designed for Quick, Easy Comparisons Comparison ledgers are also on one page – clients easily see the differences – red values indicate that a shortfall has occurred

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Adverse Risk Page Designed for Quick, Easy Comparisons Focus Graphs “Focus Graphs” allow you to specify the expense or income item to receive the main focus – this allows emphasis on the item being focused on for the client. Loan Payments

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Adverse Risk Page Designed for Quick, Easy Comparisons Focus Graphs “Focus Graphs” allow you to specify the expense or income item to receive the main focus – this allows emphasis on the item being focused on for the client. Social Security

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Adverse Risk Page Designed for Quick, Easy Comparisons Focus Graphs Probability of Success Running out of money means Net Worth = 0 Success means maintaining desired lifestyle – staying within your restrictions

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Success Graph Adverse Risk Page Designed for Quick, Easy Comparisons Focus Graphs Probability of Success Print Options – 4 Quick Templates (just the pages needed) Based on How Clients Think + Control for ALL Pages How people like to acquire their knowledge How people make decisions Preferences for graphics Preferences for numbers

Retirement Test Drive Target Audience Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Clients Status:Single Married Net Worth: Middle Market Mass Affluent Age: Retirement Age (50’s, 60’s 70’s) Because it shows the effects of accumulations – it can be for all ages Personality: Users choose templates to match how they want to present to their clients Tailored to the Client Tailored for Advisor’s Style and Comfort Leverage all Wealth Suite, Financial Suite, Business Suite, and Retirement Suite Clients

Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Advisors Advice Areas:Retirement Distribution Planning Flexible – Focus on Area of Emphasis Experience:0 – 5 Years: Basic Needs Analysis 5 – 10 Years: Free Financial Review Specialists:Fee Based Planning Style: Users’ Preference Templates or Customed Straight to the Point – Overview page Story Teller – Details pages Retirement Test Drive Target Audience

What Makes Retirement Test Drive the Same? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Navigation 2.Data Entry 3.Calculations 4.Presentation Flow NO ADDITIONAL TRAINING NEEDED

Retirement Test Drive Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: The only Retirement Program that will answer all of your clients questions with the support, graphics, details, and recommendations to enhance your solutions and motivate your clients to action!

Retirement Test Drive is part of the Retirement Suite So How Do I Buy Retirement Test Drive? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Retirement Test DriveRetirement NumberRetirement Road Map

Retirement Test Drive Coming Soon Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Available: June, 2007