THE RISK BLUEPRINT Rethinking Income I Simplifying Complexity

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1 THE RISK BLUEPRINT Rethinking Income I Simplifying Complexity Prepared For: Mr. & Mrs. Client Presented By: ValMark Advisor

2 Client Information and Plan Summary Client Mr. Client Spouse Mrs. Client Birth Date 2/3/1950 Birth Date 4/17/1952 Effective Tax Rates: Ordinary Income / Capital Gains 20% / 15% State of Residence Inflation Assumption Ohio 3.0% Total Investible Assets $7,100,000 Income Needs In Retirement (After-Tax) $85,000 Income Wants in Retirement (After-Tax) $15,000 Total Income Goal (After-Tax) $100,000 RISK Ranking The following RISK Blueprint has been built to begin to address the highest ranked retirement risks first. MARKET SEQUENCE OF RETURNS: The risk of retiring in the wrong year (i.e. retiring just before the Great Depression). LONGEVITY: The risk I will outlive the assets I have set aside for retirement. HEALTH: The risk I will be forced to deplete a significant portion of my assets in order to pay for long term care. 1 INFLATION: The risk that the cost of goods and services will increase over time. 4 2 LIQUIDITY: The risk my current portfolio provides me limited or no flexibility when unexpected needs arise. 5 3 SURVIVOR: The risk of leaving a financial burden on loved ones. 6 Blueprint Details 1 2 Additional annual spending: $28,000 for life in gifts to trust & $42,000 for 5 years for LTC premiums Securian Core Flex grows at 6% simple for two years and provides a joint withdrawal band of 4.85% at age 65 The assumptions and analysis presented in this RISK Blueprint are based upon information submitted via the RISK questionnaire (attached). Please review for details. 2 of 14

3 Action Plan The action plan below is a summary of what retirement Strategy each underlying Solution is designated to fulfill and identify the current retirement assets (Funding Source) utilized for each. Strategy Asset Detail Income Guarantees Long Term Care Death Benefits Solution $1,500,000 TOPS 2 IRA - Mrs. $500,000 TOPS 3 Roth IRA - Mrs. $4,000,000 Non- Qualified Account - Joint $500,000 Securian CoreFlex - Joint Lincoln MoneyGuard - Mr. Lincoln MoneyGuard - Mrs. $2,000,000 Trust $1,000,000 TOPS 2 IRA $500,000 TOPS 3 Roth IRA $3,000,000 Charles Schwab Account $500,000 Fidelity Account $20,000 Annual Premium (5-Pay) $22,000 Annual Premium (5-Pay) $28,000 Annual Gifting $500, (k) $1,000,000 Fidelity Account Funding Source $600,000 TOPS 1 IRA - Mr. $600,000 TOPS 1 IRA 3 of 14

4 Age at Year End Social Security - Mr. Social Security - Mrs. Pension - Mrs. 1.00% 1.00% 0.00% Income Accounts Income Accounts are retirement assets whose income stream, as modeled, is not directly impacted by market fluctuations. A total of 39% of after-tax income comes from income accounts over the duration of this plan (see Retirement Income Overview). Securian CoreFlex Gross Income Gross Income Gross Income Gross Income Estimated Taxes on Income Accounts Total After-Tax Income from Income Accounts Total After-Tax Income Goal Percentage of Total After-Tax Income Paid by Income Accounts 66 / 64 $32,000 $0 $0 $0 -$5,440 $26,560 $170, % 67 / 65 $32,320 $0 $0 $0 -$5,494 $26,826 $173, % 68 / 66 $32,643 $18,000 $0 $27,160 -$14,041 $63,762 $176, % 69 / 67 $32,970 $18,180 $0 $27,160 -$14,127 $64,182 $179, % 70 / 68 $33,299 $18,362 $12,000 $27,160 -$16,614 $74,207 $182, % 71 / 69 $33,632 $18,545 $12,000 $27,160 -$16,702 $74,636 $143, % 72 / 70 $33,969 $18,731 $12,000 $27,160 -$16,791 $75,069 $147, % 73 / 71 $34,308 $18,918 $12,000 $27,160 -$16,881 $75,506 $150, % 74 / 72 $34,651 $19,107 $12,000 $27,160 -$16,971 $75,948 $154, % 75 / 73 $34,998 $19,298 $12,000 $27,160 -$17,062 $76,394 $158, % 76 / 74 $35,348 $19,491 $12,000 $27,160 -$17,155 $76,845 $162, % 77 / 75 $35,701 $19,686 $12,000 $27,160 -$17,248 $77,300 $166, % 78 / 76 $36,058 $19,883 $12,000 $27,160 -$17,342 $77,760 $170, % 79 / 77 $36,419 $20,082 $12,000 $27,160 -$17,437 $78,224 $174, % 80 / 78 $36,783 $20,283 $12,000 $27,160 -$17,533 $78,693 $179, % 81 / 79 $37,151 $20,486 $12,000 $27,160 -$17,630 $79,166 $183, % 82 / 80 $37,523 $20,691 $12,000 $27,160 -$17,728 $79,645 $188, % 83 / 81 $37,898 $20,897 $12,000 $27,160 -$17,827 $80,128 $193, % 84 / 82 $38,277 $21,106 $12,000 $27,160 -$17,927 $80,616 $198, % 85 / 83 $38,659 $21,317 $12,000 $27,160 -$18,028 $81,109 $203, % 86 / 84 $39,046 $21,531 $12,000 $27,160 -$18,130 $81,607 $208, % 87 / 85 $39,437 $21,746 $12,000 $27,160 -$18,233 $82,109 $214, % 88 / 86 $39,831 $21,963 $12,000 $27,160 -$18,337 $82,617 $219, % 89 / 87 $40,229 $22,183 $12,000 $27,160 -$18,442 $83,130 $225, % 90 / 88 $40,632 $22,405 $12,000 $27,160 -$18,548 $83,648 $231, % 91 / 89 $41,038 $22,629 $12,000 $27,160 -$18,655 $84,171 $237, % 92 / 90 $41,448 $22,855 $12,000 $27,160 -$18,764 $84,700 $243, % 93 / 91 $41,863 $23,084 $12,000 $27,160 -$18,873 $85,234 $250, % 94 / 92 $42,281 $23,315 $12,000 $27,160 -$18,983 $85,773 $256, % 95 / 93 $42,704 $23,548 $12,000 $27,160 -$19,095 $86,317 $263, % 4 of 14

5 Asset Accounts are generally market based investments. Income withdrawn from these accounts make up any shortfall between the stated Income Goal and income provided from Income Accounts. A total of 61% of after-tax income comes from asset accounts over the duration of this plan (see Retirement Income Overview). Age at Year End TOPS 1 IRA - Mr. Ordinary Income Account Balance 5.40% Gross Income TOPS 2 IRA - Mrs. Ordinary Income Account Balance 6.00% Gross Income Account Balance Asset Accounts TOPS 3 Roth IRA - Mrs. Tax Exempt Gross Income Non-Qualified Account - Joint Capital Gains 6.45% 6.10% 66 / 64 $600,000 $179,300 $1,500,000 $0 $500,000 $0 $4,000,000 $0 -$35,860 $143,440 $26,560 $170, % 67 / 65 $443,418 $182,718 $1,589,925 $0 $532,250 $0 $4,244,000 $0 -$36,544 $146,174 $26,826 $173, % 68 / 66 $274,778 $140,410 $1,685,241 $0 $566,580 $0 $4,502,884 $0 -$28,082 $112,328 $63,762 $176, % 69 / 67 $141,623 $141,623 $1,786,271 $2,240 $603,125 $0 $4,777,560 $0 -$28,773 $115,091 $64,182 $179, % 70 / 68 $0 $0 $1,890,984 $135,430 $642,026 $0 $5,068,991 $0 -$27,086 $108,344 $74,207 $182, % 71 / 69 $0 $0 $1,860,799 $86,615 $683,437 $0 $5,378,200 $0 -$17,323 $69,292 $74,636 $143, % 72 / 70 $0 $0 $1,880,547 $90,421 $727,518 $0 $5,706,270 $0 -$18,084 $72,337 $75,069 $147, % 73 / 71 $0 $0 $1,897,444 $94,352 $774,443 $0 $6,054,352 $0 -$18,870 $75,481 $75,506 $150, % 74 / 72 $0 $0 $1,911,188 $98,412 $824,395 $0 $6,423,668 $0 -$19,682 $78,729 $75,948 $154, % 75 / 73 $0 $0 $1,921,452 $102,604 $877,568 $0 $6,815,511 $0 -$20,521 $82,083 $76,394 $158, % 76 / 74 $0 $0 $1,927,888 $106,934 $934,172 $0 $7,231,258 $0 -$21,387 $85,547 $76,845 $162, % 77 / 75 $0 $0 $1,930,120 $111,404 $994,426 $0 $7,672,364 $0 -$22,281 $89,124 $77,300 $166, % 78 / 76 $0 $0 $1,927,748 $116,021 $1,058,566 $0 $8,140,378 $0 -$23,204 $92,817 $77,760 $170, % 79 / 77 $0 $0 $1,920,340 $120,787 $1,126,844 $0 $8,636,942 $0 -$24,157 $96,630 $78,224 $174, % 80 / 78 $0 $0 $1,907,437 $125,708 $1,199,525 $0 $9,163,795 $0 -$25,142 $100,566 $78,693 $179, % 81 / 79 $0 $0 $1,888,543 $130,788 $1,276,894 $0 $9,722,787 $0 -$26,158 $104,630 $79,166 $183, % 82 / 80 $0 $0 $1,863,133 $136,032 $1,359,254 $0 $10,315,876 $0 -$27,206 $108,826 $79,645 $188, % 83 / 81 $0 $0 $1,830,640 $141,446 $1,446,926 $0 $10,945,145 $0 -$28,289 $113,157 $80,128 $193, % 84 / 82 $0 $0 $1,790,462 $147,034 $1,540,253 $0 $11,612,799 $0 -$29,407 $117,627 $80,616 $198, % 85 / 83 $0 $0 $1,741,951 $152,802 $1,639,599 $0 $12,321,180 $0 -$30,560 $122,242 $81,109 $203, % 86 / 84 $0 $0 $1,684,418 $158,756 $1,745,353 $0 $13,072,771 $0 -$31,751 $127,004 $81,607 $208, % 87 / 85 $0 $0 $1,617,126 $164,900 $1,857,928 $0 $13,870,211 $0 -$32,980 $131,920 $82,109 $214, % 88 / 86 $0 $0 $1,539,287 $171,241 $1,977,765 $0 $14,716,293 $0 -$34,248 $136,993 $82,617 $219, % 89 / 87 $0 $0 $1,450,060 $177,786 $2,105,331 $0 $15,613,987 $0 -$35,557 $142,228 $83,130 $225, % 90 / 88 $0 $0 $1,348,548 $184,539 $2,241,124 $0 $16,566,440 $0 -$36,908 $147,631 $83,648 $231, % 91 / 89 $0 $0 $1,233,791 $191,508 $2,385,677 $0 $17,576,993 $0 -$38,302 $153,206 $84,171 $237, % 92 / 90 $0 $0 $1,104,768 $198,699 $2,539,553 $0 $18,649,190 $0 -$39,740 $158,959 $84,700 $243, % 93 / 91 $0 $0 $960,388 $206,119 $2,703,354 $0 $19,786,791 $0 -$41,224 $164,895 $85,234 $250, % 94 / 92 $0 $0 $799,487 $213,775 $2,877,721 $0 $20,993,785 $0 -$42,755 $171,020 $85,773 $256, % 95 / 93 $0 $0 $620,825 $221,674 $3,063,334 $0 $22,274,406 $0 -$44,335 $177,339 $86,317 $263, % Account Balance Gross Income Estimated Taxes on Asset Accounts Total After-Tax from Asset Accounts Total After-Tax Income from Income Accounts Gross Total After-Tax Withdrawal Income Goal Percentage from Asset Accounts 5 of 14

6 Retirement Income Projection The chart below projects the stated after-tax retirement income goal and includes a breakdown of income sources. $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 $0 After-Tax Retirement Income After-Tax Income Guarantees After-Tax Asset Account Withdrawals Income Needs Income Wants Gifting to Trust ($28,000) MoneyGuard Premiums ($42,000) 6 of 14

7 Retirement Income Overview The table below details the data represented in the Retirement Income Projection and estimates the resulting year end Investible Net Worth, after the stated income is withdrawn. Age at Year End After-Tax Retirement Income After-Tax Income Guarantees After-Tax Asset Account Withdrawals Total After-Tax Income Total Investible Worth 66 / 64 $26,560 $0 $143,440 $170,000 $7,100, / 65 $26,826 $0 $146,174 $173,000 $7,330, / 66 $42,034 $21,728 $112,328 $176,090 $7,571, / 67 $42,454 $21,728 $115,091 $179,273 $7,845, / 68 $52,479 $21,728 $108,344 $182,551 $8,133, / 69 $52,908 $21,728 $69,292 $143,927 $8,448, / 70 $53,341 $21,728 $72,337 $147,405 $8,835, / 71 $53,778 $21,728 $75,481 $150,987 $9,241, / 72 $54,220 $21,728 $78,729 $154,677 $9,668, / 73 $54,666 $21,728 $82,083 $158,477 $10,117, / 74 $55,117 $21,728 $85,547 $162,392 $10,589, / 75 $55,572 $21,728 $89,124 $166,423 $11,086, / 76 $56,032 $21,728 $92,817 $170,576 $11,608, / 77 $56,496 $21,728 $96,630 $174,853 $12,158, / 78 $56,965 $21,728 $100,566 $179,259 $12,737, / 79 $57,438 $21,728 $104,630 $183,797 $13,347, / 80 $57,917 $21,728 $108,826 $188,471 $13,989, / 81 $58,400 $21,728 $113,157 $193,285 $14,664, / 82 $58,888 $21,728 $117,627 $198,243 $15,376, / 83 $59,381 $21,728 $122,242 $203,351 $16,126, / 84 $59,879 $21,728 $127,004 $208,611 $16,916, / 85 $60,381 $21,728 $131,920 $214,029 $17,748, / 86 $60,889 $21,728 $136,993 $219,610 $18,626, / 87 $61,402 $21,728 $142,228 $225,359 $19,551, / 88 $61,920 $21,728 $147,631 $231,279 $20,526, / 89 $62,443 $21,728 $153,206 $237,378 $21,555, / 90 $62,972 $21,728 $158,959 $243,659 $22,639, / 91 $63,506 $21,728 $164,895 $250,129 $23,783, / 92 $64,045 $21,728 $171,020 $256,793 $24,990, / 93 $64,589 $21,728 $177,339 $263,657 $26,264,132 Total Income $1,653,495 $608,384 $3,545,662 $5,807,542 Percentage 28.5% 10.5% 61% 7 of 14

8 Net Worth Detail The table below represents the projected Net Worth using end of year values. The chart further details the portion signified by each account. Age at Year End Investible Net Worth Real Assets* Total Estate Estimated Estate Tax Exemption** $30,000, / 64 $7,100,000 $1,500,000 $8,600,000 $10,900, / 65 $7,330,093 $1,515,000 $8,845,093 $11,118, / 66 $7,571,323 $1,530,150 $9,101,473 $11,340, / 67 $7,845,475 $1,545,452 $9,390,926 $11,567, / 68 $8,133,750 $1,560,906 $9,694,656 $11,798, / 69 $8,448,826 $1,576,515 $10,025,341 $12,034, / 70 $8,835,147 $1,592,280 $10,427,428 $12,275, / 71 $9,241,245 $1,608,203 $10,849,448 $12,520, / 72 $9,668,211 $1,624,285 $11,292,496 $12,771, / 73 $10,117,200 $1,640,528 $11,757,728 $13,026, / 74 $10,589,435 $1,656,933 $12,246,368 $13,287, / 75 $11,086,209 $1,673,503 $12,759,711 $13,552, / 76 $11,608,892 $1,690,238 $13,299,130 $13,823, / 77 $12,158,935 $1,707,140 $13,866,075 $14,100, / 78 $12,737,874 $1,724,211 $14,462,085 $14,382, / 79 $13,347,333 $1,741,453 $15,088,787 $14,669, / 80 $13,989,036 $1,758,868 $15,747,904 $14,963, / 81 $14,664,806 $1,776,457 $16,441,262 $15,262, / 82 $15,376,573 $1,794,221 $17,170,794 $15,567, / 83 $16,126,385 $1,812,163 $17,938,549 $15,879, / 84 $16,916,408 $1,830,285 $18,746,693 $16,196, / 85 $17,748,939 $1,848,588 $19,597,527 $16,520, / 86 $18,626,410 $1,867,074 $20,493,484 $16,851, / 87 $19,551,398 $1,885,745 $21,437,143 $17,188, / 88 $20,526,636 $1,904,602 $22,431,238 $17,531, / 89 $21,555,016 $1,923,648 $23,478,664 $17,882, / 90 $22,639,606 $1,942,884 $24,582,491 $18,240, / 91 $23,783,657 $1,962,313 $25,745,971 $18,605, / 92 $24,990,615 $1,981,936 $26,972,552 $18,977, / 93 $26,264,132 $2,001,756 $28,265,888 $19,356,707 *1% Growth **Assuming 2% Growth $25,000,000 $20,000,000 $15,000,000 $10,000,000 $5,000,000 $0 Real Assets TOPS 2 IRA - Mrs. Non-Qualified Account - Joint Estimated Estate Tax Exemption** TOPS 1 IRA - Mr. TOPS 3 Roth IRA - Mrs. Securian CoreFlex 8 of 14

9 Estate Planning Estate planning details are used to identify opportunities to improve the Total Net Estate that may ultimately pass on to beneficiaries. Age at Year End Total Estate Life Insurance Within Estate Estimated Estate Tax Exemption Estimated Estate Tax* Net Death Benefit to Offset Estate Taxes Total Net Estate Effect on Total Estate Estate Adjustment 66 / 64 $8,600,000 $0 $10,900,000 $0 $2,000,000 $10,600,000 $2,000, % 67 / 65 $8,845,093 $0 $11,118,000 $0 $2,000,000 $10,845,093 $2,000, % 68 / 66 $9,101,473 $0 $11,340,360 $0 $2,000,000 $11,101,473 $2,000, % 69 / 67 $9,390,926 $0 $11,567,167 $0 $2,000,000 $11,390,926 $2,000, % 70 / 68 $9,694,656 $0 $11,798,511 $0 $2,000,000 $11,694,656 $2,000, % 71 / 69 $10,025,341 $0 $12,034,481 $0 $2,000,000 $12,025,341 $2,000, % 72 / 70 $10,427,428 $0 $12,275,170 $0 $2,000,000 $12,427,428 $2,000, % 73 / 71 $10,849,448 $0 $12,520,674 $0 $2,000,000 $12,849,448 $2,000, % 74 / 72 $11,292,496 $0 $12,771,087 $0 $2,000,000 $13,292,496 $2,000, % 75 / 73 $11,757,728 $0 $13,026,509 $0 $2,000,000 $13,757,728 $2,000, % 76 / 74 $12,246,368 $0 $13,287,039 $0 $2,000,000 $14,246,368 $2,000, % 77 / 75 $12,759,711 $0 $13,552,780 $0 $2,000,000 $14,759,711 $2,000, % 78 / 76 $13,299,130 $0 $13,823,836 $0 $2,000,000 $15,299,130 $2,000, % 79 / 77 $13,866,075 $0 $14,100,312 $0 $2,000,000 $15,866,075 $2,000, % 80 / 78 $14,462,085 $0 $14,382,319 ($31,907) $2,000,000 $16,430,178 $1,968, % 81 / 79 $15,088,787 $0 $14,669,965 ($167,529) $2,000,000 $16,921,258 $1,832, % 82 / 80 $15,747,904 $0 $14,963,364 ($313,816) $2,000,000 $17,434,088 $1,686, % 83 / 81 $16,441,262 $0 $15,262,631 ($471,452) $2,000,000 $17,969,810 $1,528, % 84 / 82 $17,170,794 $0 $15,567,884 ($641,164) $2,000,000 $18,529,630 $1,358, % 85 / 83 $17,938,549 $0 $15,879,242 ($823,723) $2,000,000 $19,114,826 $1,176, % 86 / 84 $18,746,693 $0 $16,196,827 ($1,019,947) $2,000,000 $19,726,747 $980, % 87 / 85 $19,597,527 $0 $16,520,763 ($1,230,706) $2,000,000 $20,366,821 $769, % 88 / 86 $20,493,484 $0 $16,851,178 ($1,456,922) $2,000,000 $21,036,562 $543, % 89 / 87 $21,437,143 $0 $17,188,202 ($1,699,576) $2,000,000 $21,737,567 $300, % 90 / 88 $22,431,238 $0 $17,531,966 ($1,959,709) $2,000,000 $22,471,529 $40, % 91 / 89 $23,478,664 $0 $17,882,605 ($2,238,423) $2,000,000 $23,240,240 ($238,423) -1.0% 92 / 90 $24,582,491 $0 $18,240,257 ($2,536,893) $2,000,000 $24,045,597 ($536,893) -2.2% 93 / 91 $25,745,971 $0 $18,605,063 ($2,856,363) $2,000,000 $24,889,608 ($856,363) -3.3% 94 / 92 $26,972,552 $0 $18,977,164 ($3,198,155) $2,000,000 $25,774,397 ($1,198,155) -4.4% 95 / 93 $28,265,888 $0 $19,356,707 ($3,563,672) $2,000,000 $26,702,216 ($1,563,672) -5.5% * Estate Tax assumed to be 40% 9 of 14

10 Survivorship Needs Analysis The table below quantifies how much income is dependent on Mr.'s life, at age 82 (Life Expectancy). The graph below shows the lump sum Mrs. would need to replace income lost at Mr.'s hypothetical passing at each age. Assuming Mrs. outlives Mr. (Capital need on Mr.'s life) Source Income While Both Spouses Effect on Income at Death of are Alive (age 82) Mr. Resulting Survivor Income Income Adjustment (%) Social Security - Mr. $37,523 -$37,523 $ % Social Security - Mrs. $20,691 $16,832 $37, % Pension - Mrs. $12,000 $0 $12, % Securian CoreFlex $27,160 $0 $27, % Total $97,373 -$20,691 $76, % Example: If Mr. passes away at age 82, Mrs. would need $216,960 to replace the -$20,691 in lost guaranteed income, assuming a 5.0% rate of return $350,000 The chart above shows the lump sum required to replace $300, % of expected income for the surviving spouse, assuming a 5.0% rate of return $250,000 $200,000 $150,000 $100,000 $50,000 $ The chart above shows the lump sum required to replace 100% of expected income for the surviving spouse, assuming a 5.0% rate of return 10 of 14

11 Survivorship Needs Analysis The table below quantifies how much income is dependent on Mrs.'s life, at age 85 (Life Expectancy). The graph below shows the lump sum Mr. would need to replace income lost due to Mrs.'s hypothetical passing at each age. Assuming Mr. outlives Mrs. (Capital need on Mrs.'s life) Source Income While Both Spouses Effect on Income at Death of are Alive (age 85) Mrs. Resulting Survivor Income Income Adjustment (%) Social Security - Mr. $39,437 $0 $39, % Social Security - Mrs. $21,746 -$21,746 $ % Pension - Mrs. $12,000 -$6,000 $6, % Securian CoreFlex $27,160 $0 $27, % Total $100,343 -$27,746 $72, % Example: If Mrs. passes away at age 85, Mr. would need $210,215 to replace the -$27,746 in lost guaranteed income, assuming a 5.0% rate of return $450,000 $400,000 $350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 The chart above shows the lump sum required to replace 100% of expected income for the surviving spouse, assuming a 5.0% rate of return $ The chart above shows the lump sum required to replace 100% of expected income for the surviving spouse, assuming a 5.0% rate of return 11 of 14

12 Long Term Care Summary The graph below compares the long term care insurance protection of Mr. and Mrs. to the increasing costs of home health care, assisted living facilities, and nursing homes in Ohio. The current long term care costs listed below are projected to inflate at 3% annually. Owner Solution Premium Frequency Annual Benefit COLA* Death Benefit Mr. Lincoln MoneyGuard $20,000 5-Pay $45,000 3% Compound $150,000 Mrs. Lincoln MoneyGuard $22,000 5-Pay $45,000 3% Compound $150,000 Inflation Home Health Care Assisted Living Nursing Home 3.00% $45,188 $43,200 $82,129 $250, $200, $150, $100, $50, $0.00 Total LTC Coverage - Mr. Total LTC Coverage - Mrs. Home Health Care Assisted Living Nursing Home *COLA = Cost Of Living Adjustment 12 of 14

13 Disclosures *Assumptions : 1 Assumes a 1% COLA on Social Security 2 Assumes a 3% annual inflation 3 See below for Asset Management returns 4 Average Blended Tax Rate assumed for this plan is 20% Ordinary Income & 15% Capital Gains 5 Investible net worth on the income summary is based on the estimated account values of the underlying investments at the end of each year 6 Total after tax income is derived from summing up all income generated in that year less the estimated taxes 7 Projections are done on the lesser of a 40-year basis or age 95 and may not represent the full length of retirement or life expectancy Title Securian CoreFlex TOPS 1 IRA TOPS 2 IRA TOPS 3 Roth IRA Non-Qualified Account Portfolio Allocation (Stocks/Bonds) 60/40 40/60 57/43 70/30 60/40 Assumed Growth Rate 4.10% 5.40% 6.00% 6.45% 6.10% 13 of 14

14 Disclosures Information Provided by You Information that you provided about your assets, financial goals, and personal situation are key assumptions for the calculations and projections in this report. Please review the questionnaire to verify the accuracy of these assumptions. If any of the assumptions are incorrect, you should notify your financial advisor. Even small changes in assumptions can have a substantial impact on the results shown in this report. The information provided by you should be reviewed periodically and updated when either the information or your circumstances change. Needs & Wants Needs are the goals that you consider necessary for your lifestyle, and are the goals that you must fulfill. Wants are the goals that you would really like to fulfill, but could live without. Since you can specify ideal and acceptable amounts for all your financial goals, there can be many possible combinations of funding levels among your Needs and Wants. Report Is a Snapshot and Does Not Provide Legal, Tax, or Accounting Advice This report provides a snapshot of your current financial position and can help you to focus on your financial resources and goals, and to create a plan of action. Because the results are calculated over many years, small changes can create large differences in future results. You should use this report to help you focus on the factors that are most important to you. This report does not provide legal, tax, or accounting advice. Before making decisions with legal, tax, or accounting ramifications, you should consult appropriate professionals for advice that is specific to your situation. Projections and Returns The projections or other information generated by The RISK Process regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. The actual returns of a specific product or accounts may be more or less than the returns used in The RISK Process. Financial forecasts, rates of return, risk, inflation, and other assumptions may be used as the basis for illustrations. They should not be considered a guarantee of future performance or a guarantee of achieving overall financial objectives. Past performance is not a guarantee or a predictor of future results of either the indices or any particular investment. No report has the ability to accurately predict the future. As investment returns, inflation, taxes, and other economic conditions vary from The RISK Process assumptions, your actual results will vary (perhaps significantly) from those presented in this report. Risks Inherent in Investing Investing in fixed income securities involves interest rate risk, credit risk, and inflation risk. Interest rate risk is the possibility that bond prices will decrease because of an interest rate increase. When interest rates rise, bond prices and the values of fixed income securities fall. When interest rates fall, bond prices and the values of fixed income securities rise. Credit risk is the risk that a company will not be able to pay its debts, including the interest on its bonds. Inflation risk is the possibility that the interest paid on an investment in bonds will be lower than the inflation rate, decreasing purchasing power. Investing in stock securities involves volatility risk, market risk, business risk, and industry risk. The prices of most stocks fluctuate. Volatility risk is the chance that the value of a stock will fall. Market risk is chance that the prices of all stocks will fall due to conditions in the economic environment. Business risk is the chance that a specific company s stock will fall because of issues affecting it. Industry risk is the chance that a set of factors particular to an industry group will adversely affect stock prices within the industry. Accompanying Documents This material must be preceded or accompanied by a prospectus for each investment product being recommended. Prospectuses are available from your financial professional. The prospectus contains information about the product s features, risks, charges and expenses. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, living and death benefits are also described in the prospectuses. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits. Estimated fees on accounts are estimates only and should not be considered nor relied upon as a guarantee. For actual fee schedules of solutions proposed in this report, please reference prospectuses and any other disclosure provided to you. Current Long Term Care Costs Information sourced from based on client's state. Guarantees are based on the claims-paying ability of the issuing company. All returns are shown net of fees and loads. Returns are based on a spread between asset allocation and inflation. Unless otherwise stated, the client(s) for whom this Blueprint is created are assumed to be living for all projections. Securities offered through ValMark Securities, Inc. member FINRA, SIPC Advisory Services offered through affiliation with ValMark Advisers, Inc., a SEC Registered Investment Advisor 130 Springside Drive, Akron, OH Phone: of 14