Preferences:

> No Social Security to be included in the plan

> No RSU or Stock options to be included in the analysis
> No Commission to be included in the plan
> Inflation 3%
> Retirement age 65
> Life expectancy 95
> Retirement Medical expenses to be included by medical tip sheet (Medium cost)
3% cola.
> Emergency Fund 3 times of monthly lifestyle expense
> First year investment income and previously accrued interest income to be zero
> Education expense = 30,000 annually 5% cola
> HLV for all clients
> Survivor income goal 70%
> Disability income goal 100%
> LTC additional medical as per the state expense chart, begin age 80 for 4 year
s
To send initial recommendation as per the analysis in the first draft.