Transcript One Page Sample Templates

SMI Three Headed™ One Pager Samples
Updated 12/4/2013
10 Huntly Circle, Palm Beach Gardens, FL 33418 |P:561-776-6209 | F:561-828-3905
[email protected] | www.SuddenMoney.com
John’s One Page Overview with PMO
Investment Silos: Daniel and Elaine
#1
#2
#3
Very Modest
Risk
$ 5 million
Long Term
Growth
$5 million
Purpose: Principal preservation, no
income just peace of mind, liquidity
Purpose: Stay ahead of inflation and
taxes, liquidity and support as needed
Purpose: Growth of principal to pass
on to children
Method: Very minimal risk with
CDs, very short term AAA munis, US
Gov’t securities
Method: Diversified bonds, including
non traditional bonds – expect
modest fluctuation in principal
Method: Higher risk reward
investments, hedge funds, high yield
bonds, private equity
Outcome: No loss over the course
of a year, hope
to have enough
Absolutely
interest to keep up with inflation
Outcome: Offset the conservative
nature of #1. Protection from
inflation and taxes
Outcome: Growth wealth for our
estate, take risks now so next
generation will benefit .
Absolutely Safety
$ 8 million
“We never
lost a dime”
“Smart to stay ahead of inflation”
“ We took good care
of ourselves and family”
The Big Question: Do I have enough to retire?
Total Income Investments $1 million
Mutual Fund
Total Growth Investments $226k
390,000
401k 220,000
Annuity
220,000
IRA
CDs
6,000
285,000
Dividend/Interest Income
$15,000
Checking Account
Receives $75,000/yr
Note: this is only 1.5%
Pension/Social Security
$48,400
Note: guaranteed income
IRA
$11,600
Total Estimated Income
$72,000
Expenses: 60,000 year
5,000/mo
Estimated Taxes: 9,000/yr
Paid quarterly 2,250/quarter
Extra income: 5,000
More dividend/interest income is available
4
5
Joyce
Purpose: Make sure there is enough money to retire on in 5 years
Method: Low risk with guarantees
Outcome: Feel confident I can have enough extra money to enjoy trips with my grandchildren. Be free to have
fun. Know I can pay for any illness when I get much older.
Social
Security
2,000/mo
Pension
1,800/mo
Fixed Annuity
Guaranteed 4%
1,000/mo
Joyce
Retire in 5 years
Income Target
3,000/mo basic + 2,000/mo fun
60,000
Plus taxes
CDS 2%
300,000
500/mo
OR
Variable annuity
Stock market risk/reward
Guaranteed 5%
300,000
1,200/mo
IRA CDs 2%
300,000
500/mo
OR
Retirement Income Scenarios
Bob &
Marilyn
Bob’s
Pension
Bob’s Soc.
Sec.
Bob
Bob’s
Pension
Bob’s Soc.
Sec.
Marilyn
55% of
Bob’s
Pension
Bob’s Soc.
Sec.
Marilyn’s
Pension
Marilyn’s
Soc. Sec.
Assets
Assets
Marilyn’s
Pension
Assets
Retirement Income Scenarios
JT’s Next Stage:
Consolidation for
simplicity, control
and more free time.
Trust Accounts
JT’s
500,000
Parent’s 1 million
Transfer 1,500,000
Wrap Account
JT’s Trust $2,050,000
$$ /month
Parents BFA
Cash 150,000
Bonds 400,000
Transfer 550,000
Three IRA
Accounts
45,000
108,000
220,000
Transfer 337,000
Checking account
expenses/spending
Back-up account
Health /emergencies
Consolidated IRA Accounts
$337,000
Possible
Plan
Current
Plan
Proposed
Plan
Retirement
Spending =
$60,800/year
Retirement
Spending =
$68,000/year
Retirement
Spending =
$64,000/year
Probability of
Success =
86%
Probability of
Success =
56%
Probability of
Success =
79%
New Home Check List
Characteristic
What Is Important To Us
10
Elm St
Condo
57
Cloud St
117
Brook St
Comments__________________________________________________
____________________________________________________________
____________________________________________________________
____________________________________________________________
____________________________________________________________
Comments__________________________________________________
____________________________________________________________
____________________________________________________________
____________________________________________________________
____________________________________________________________
VA
Lot
House
House
Social
Security
Age
70~$4,200
Emergency
Savings
$10,000
Emergency
Savings
$10,000
Social
Security
Age 70$3,000
Mike and
Irene
IRA’s
$253,000
Life Insurance
$200,000 Out
$300,000 In
Life
Insurance
$289,000 Out
$180,000 In
IRAs
$245,000
401k
$150,000
401k
$225,000
Mike
Irene
**If you would like this slide in an editable version, please contact the office 561-776-8987
20
The Big Question: Do I have enough to retire?
Total Income Investments $1 million
Mutual Fund
Total Growth Investments $226k
390,000
401k 220,000
Annuity
220,000
IRA
CDs
6,000
185,000
Dividend/Interest Income
Checking Account
$15,000
Note: this is only 1.5%
Receives $72,000/yr
Pension/Social Security
$48,400
Note: guaranteed income
IRA
$11,600
Total Estimated Income
$72,000
Expenses: 60,000 year
5,000/mo
Estimated Taxes: 7,000/yr
Paid quarterly 1750/quarter
Extra income: $5,000
More dividend/interest income is available
21
22
Copyright © 2012 Susan Bradley All Rights Reserved.
23
Associated Artists
Art Sales
Antiques Show
Dog
Walking
Training
Met
Activities
212 E. 63rd Street
Litigation
Maintenance
Southport
Maintenance
Monitoring
Sale
Philanthropy
Travel &
other Life
Plans
Mr. & Mrs.
ART
Organization
Maintenance
Monitoring
Greenacres
G.P
Money Management
Oversight
Greenacres Family
Bank
W. 70th Street
Maintenance
Monitoring
Sale
Money Management
Personal Assets
Monitoring
Selecting Managers
Bill Paying
3 residences
4 entities
Accounting
Provide Data on
Deductions
Check Accuracy
Manage
Accountant
Maintain
Relationships
Friends &
Family
• Find and approve outside provider
• Monthly reporting
Bill Paying
Art
Catalogue
Sale Of
Residences
Estate Plan
Revision
• Find and approve outside provider
• Implementation must be done in several locales
• Meeting with existing realtors
• Analysis of price/cost of carry
• Appropriate use of Unified Credit this year
• Installment sale of FLP ownership into defective trust
• Art disposition
$1 million Allocation Plan
$350k
$250k
Son’s
Education
Son
$400k
Retirement
$?
Private
Equity
$?
Pay Off
House
10 Huntly Circle, Palm Beach Gardens, FL 33418
P: 561-776-6209 | F: 561-828-3905 | [email protected] | www.SuddenMoney.com
31
Son
10 Huntly Circle, Palm Beach Gardens, FL 33418
P: 561-776-6209 | F: 561-828-3905 | [email protected] | www.SuddenMoney.com
32
Activity
Routine
golf
Social
Challenging
Measureable
3X a week Yes
Maybe
Rather not
Reading
newspaper and
watching CNN
no
No
Frustrating
No
Dinner out with
friends
Activity
Walking the dog
Tennis team
Yes every
night
Routine
Definitely
Yes
Yes
Less and less
No, but comfortable
Social
Sometime
s
Yes
Challenging
No
Yes
Measureable
No, but not doing it
is measurable
Yes
Home Depot
Classes
Yes
Yes
Yes
Yes
Cooking Classes
Yes
Yes
Yes
Yes
Volunteer
tutoring
yes
Yes
Yes
Yes
10 Huntly Circle, Palm Beach Gardens, FL 33418
P: 561-776-6209 | F: 561-828-3905 | [email protected] | www.SuddenMoney.com
33
Reinvention Activity Flow Chart
Activity
Routine
Social
Challenging
Measureable
Tips for Flow
Start before you retire.
Couples can have both joint
and separate charts.
Adjust your attitude towards
improvement-perfection may
lead to frustration.
Try to include all four
components, not just social
and routine.
Keep a flow calendar.
10 Huntly Circle, Palm Beach Gardens, FL 33418
P: 561-776-6209 | F: 561-828-3905 | [email protected] | www.SuddenMoney.com
34
10 Huntly Circle, Palm Beach Gardens, FL 33418
P: 561-776-6209 | F: 561-828-3905 | [email protected] | www.SuddenMoney.com
35
Purpose Statement
Joe & Jane Smith
Transition
Event
Stage
Concerns to
Address:
Goals to
Achieve:
How to Pass on Control
Shannon
Daughter
President
R&R
Family Biz
22%
4th Generation
Private RE
"S" Corp
Daron Trust
Son
Passive
Single
No Kids
How to
Assure R&R
In Family
How to Keep
Shannon
Incentivized
Do/don't
Want an
Ex-wife in Biz
Troubled Marriage
Twin 5 Yr Olds
How to avoid
Big tax
Event
Mom/Dad
Gradually
Retiring
T & E Plan
Being
Considered
How to
Provide
Mom/Dad
Income
How to avoid
Spoiling
twins
How to Pass on Control
How to Pass on Control
Shannon
Daughter
President
R&R
Family Biz
22%
4th Generation
Private RE
"S" Corp
Daron Trust
Son
Passive
Single
No Kids
How to
Assure R&R
In Family
Troubled Marriage
Twin 5 Yr Olds
How to Keep
Shannon
Incentivized
Do/don't
Want an
Ex-wife in Biz
How to avoid
Big tax
Event
Mom/Dad
Gradually
Retiring
T & E Plan
Being
Considered
How to avoid
Spoiling
twins
How to
Provide
Mom/Dad
Income
How to Pass on Control
How to Pass on Control
R&R
Family Biz
4th Generation
Private RE
"S" Corp
27%
22%
Do/don't
Want an
Ex-wife in Biz
51%
How to avoid
Spoiling
twins
Shannon
Daughter
President
Single
No Kids
Daron Trust
Son
Passive
Troubled Marriage
Twin 5 Yr Olds
Mom/Dad
Gradually
Retiring
How to
Provide
Mom/Dad
Income
How to avoid
Big tax
Event
T & E Plan
Being
Considered
Exercise:
How would you illustrate these points as a preparation for a
client discussion.
Notes: This one page should be presented with curiosity and
‘why’ questions. You are looking for strong purpose, Why
does passing on control matter to you?
What difference would it make it you got this right, what
difference would it make if you didn’t.
How to Pass on Control
Robert & Denise’s Money Buckets
NOW
SOON
LATER
Income
Moderate
Growth
(Cash-Checking/Savings)
(GWM Profile 4)
(BMB Business Sale)
$38,278
$431,400
$1,300,000
Purpose: Principal
preservation, little or no
income, peace of mind,
liquidity
Method: no risk with
Savings and Checking.
Outcome: Will not earn
enough interest to keep up
with inflation, provides
emergency funds
“Cash on hand”
Purpose: Stay ahead of
inflation, replenish income
bucket with moderate
growth
Purpose: Long term growth
of principal to replenish
income as needed and
provide for LTC needs
Method: Diversified
stocks & bonds, invested
in mutual funds, expect
moderate fluctuation in
principal
Method: Diversified stocks
& bonds, invested in Mutual
Funds in a global portfolio;
expect short term principal
fluctuation
Outcome: Protection from
inflation, moderate growth
of assets
Outcome: Grow wealth,
replace income provide
legacy for my family
“Keep up with inflation”
“ Take care of my family”
Potential Allocation
WHY is security important
WHY is sharing important
$2 million Investment Assets
#1
Personal Use
$1.5 million
#2
Sharing
$500k
Option 1
Option 2
Option 3
Purpose Statement
Joe & Jane Smith
Vision of
Your Ideal
Future:
Key Values:
:
Purpose Statement
Joe & Jane Smith
Transitions
to Plan For:
Concerns to
Address:
Goals to
Achieve:
Projection Of Future Based On Current Withdrawal Strategy
Trustee Directed
Trust #1
Trust #2
Trust Distribution limited to
$10,500 per month %5
Unavailable to surviving …….
Personal
Schwab Personal
EDT Descendants Trust
15,000 per month
for spending + $50,000 per year
for taxes (personal +
property), professional fees,
and other non-recurring
expenses, etc.
Value of Trust
Portfolio at Age 100
Approx. $875,000
(in 2013 dollars)
10,500 per month
+ $50,000 per year
for taxes (personal +
property), professional fees,
and other non-recurring
expenses, etc.
Value of Portfolio at
Age 100:
Approx. $50,000
(in 2013 dollars)
Enjoy today and tomorrow
Make it last and have a good
10 Huntly Circle, Palm Beach Gardens, FL 33418
P: 561-776-6209 | F: 561-828-3905 | [email protected] | www.SuddenMoney.com
time
53
Choices and Changes
Small choices now with
big payoffs later
Absolutes
Possible
10 Huntly Circle, Palm Beach Gardens, FL 33418
P: 561-776-6209 | F: 561-828-3905 | [email protected] | www.SuddenMoney.com
54
10 Huntly Circle, Palm Beach Gardens, FL 33418
P: 561-776-6209 | F: 561-828-3905 | [email protected] | www.SuddenMoney.com
55
Assignment: One Page Overview
The client’s fact pattern:
FRYE
This involves a wealthy couple who have completed life plans. The wife is moving forward with her plan, and the husband is stuck. I created
the first page to try to capture the many things that require his personal action leaving him little time for working on his life plan. We then
did a now, soon, and later exercise, and arrived at an approach as to how to accomplish the tasks while delegating some of them to others.
The main point being illustrated:
We were trying to move from a swirl of to do’s to an organized way to get many of the tasks delegated out to appropriate people to
accomplish them. This was just an overview. Each of the tasks had many steps we needed to complete to move them off his desk.
How you created the overview:
I created the first chart when I brainstormed with the client all that needed to get done. We drew a spider gram on a piece of paper which I
then tried to translate to a Power point document. The second step was to do a now, soon, and later exercise to prioritize how we would
tackle this, and we created together a drawing which I translated to the second Power point document. In drawing, we each had a pen with
different colored ink to add to the list.
Challenges you had either creating or presenting:
This client is someone who has to think and absorb before he acts. We did the drawing, and I would then send him by e-mail the Power point.
We would then meet a second time to go over the tasks to be done, and come up with an execution strategy ie finding the right company to
catalogue art, finding the right bill payer, etc
Your client’s response:
The bills are now being paid by an outside company which has appropriate checks and controls. The Art has been catalogued in a cloud-based
system (1100 + pieces), and our only challenge is keeping that system up-to-date as they buy and sell. We completed a very extensive change
on the estate plan by the end of 2012 (well almost—a couple of documents still need to be signed.) A house and a NYC apartment have been
emptied of contents and sold. The client has did two major trips this year using Italian and Spanish which he is now studying (part of his life
plan.) He and his wife took the Grandkids to Italy, and they hosted the entire family at a resort in Mexico over Christmas and New Years.
Comments from your study group:
Lottery Winner
Age 50
Married but the money is to be kept in her name and control
Home owned by him is about to go into foreclosure
•
•
•
•
50 years old
Lottery winnings 3 million net
Disabled, anxiety and back problems – one Medicare applying for SSDI
Seems to have a heart problems as well
•
•
•
•
Anxious about the money worried she might die
Wants to move her mother from FL to MA to live with her
Living with husband but they are separated
He is not going to get any of the money – he seems to agree but now learning about his legal rights
•
The house they live in belongs to him, she may be on a mortgage note, they house has been foreclosed , they are waiting for the letter
telling them to move out
•
•
•
She has 2 pit bulls, she lives in the house because of them –
She is concerned that someone will cause the dogs to bit them and then sue her because she has money
•
Wants to do legal work required to keep daughters safe and make sure husband is cared for but doe not get the money
Land and
build
Liability
Trailer
Dogs
House
Foreclosure
How Much Is
Possible
Where to live
Cash Flow
Invest for
Income
Now and future
Martha
House for
Elizabeth
Health
Daughters
Health care and
insurance
Legal
documents
Vacation
Mother
Florida or MA
Naming people
trustees
How to best share
the money
Legal
Where To
Live
Dogs
Health
•If legal documents are not done
•One daughter gets money nothing to the other daughter
•Husband gets money based on state law
•Documents can make sure both daughters share the money and are better prepared for it
•Documents can make sure husband doe not get money
• Need to move can happen any day
• Find the trailer and where to put it before the letter comes
• Dogs need a safe place to be while traveling and while living in the trailer
• Decide on a budget for land and building
• Live without worry about maintaining the house or not affording it in the future.
• Liability insurance
• The right home with low possibilities of dog related problems
• Good health insurance coverage to replace Medicare
• long term care insurance
• Health care providers to get and stay healthy
Moving from a dream to reality
• Goals Based Savings
ie vacations,
business dream,
rainy day fund
• Basic business plan
• War chest
• Network of
entrepreneurs
• Dimension start up
costs
• Minority financing
opportunity
Do
Now
Find
Out
Build
Others
• What can make this
business different
and unique? How
can it be
“premium?”
The Evolution of Smart Investing
Typical Wall Street
• Prediction/bets
• React to events
• Media influence
• Social element
“We
Index Investing
• Spread the risk
• Accept market returns
• Reduced cost
continue to make more money when snoring than when active”
The TAAG Way
• Establish goals
• Focus on what you can control
• Portfolio structure drives
performance
Warren Buffet
“We
continue to make more money when snoring than when active”
Warren Buffet
Assignment: One Page Overview
By Date: February 6, 2013
The client’s fact pattern:
Lin is a young woman in her 20’s. She is an engineering graduate from Georgetown, and she presently is a business strategist for a large
Financial Institution. She is somewhat challenged by her job, but she has dreams of being an entrepreneur. She would like to start a small
business, and one idea she has is to start a premium ice cream/bakery business. Her goal would be to make this business the best of it’s kind
in the area. She would like to move this from an idea to implementation.
The main point being illustrated:
I would like to illustrate on one page some of the preparation work that Lin needs to start in order to have a 5-year plan to start this business.
There is money to be saved, and yet there is more investigative work that needs to be done in a thoughtful way in order to ensure her
business will be a success.
How you created the overview:
I have brainstormed ideas about what it might take to start this business. I have not yet shared this with Lin, so these may not reflect all that
needs to be done.
Challenges you had either creating or presenting:
Since I have not shared this overview, I may have missed something which we can add at our next meeting.
Your client’s response: TBA
Comments from your study group: work on the titles and wording
Total Settlement Amount
3,500,000.00
Net Cash Settlement
1,722,000.00
Bucket #1
(Past Expenses)
**See Settlement
Breakdown
Bucket # 2
(Immediate Expenses)
Bucket # 3
(Emergency Funds &
Liquid Investments)
Car
$30,000.00
House
$400,000.00
Emergency Fund
$62,000.00
Liquid Investments
$230,000.00
Bucket #4
(Annuity)
$1,000,000.00
$3,283.00 per month for
entire lifetime of Jenny;
guaranteed 30 years
Cash Flow Planning 2013/2014
Client Name
Cash Needs
Each Year
• Annual Living
Expense $128,400
• Gifting to Kids
$100,000
• SEP Contribution
$13,000
Available Cash
• Checking $50,000
• Fidelity Joint Cash
$26,500
• Fidelity Joint
Bonds $34,000
• Patti S.S. $24,000
• Jim Net Self
Employ $26,000
• TOTAL $241,400
2013 Gross
Income
• Options 1/13
$53,000
• Addt’l Options
$88,000
• Patti S.S. $24,000
• Jim Gross Self
Employ $40,000
• IRA Distribution
$80,900
• TOTAL $160,500
• TOTAL $285,900
2014 Gross
Income
• Options $120,000
• Patti S.S. $24,000
• Jim Gross Self
Employ $20,000
• TOTAL $164,000
Income Flow
Trust
Shares
P&G
3000
Cost Basis
Tax if Sold*
$32,304
*capital gain rate of 20%
Value
$181,980
$20,460
IRA
P&G
Cash/Pre-Mix
TOTAL
Shares
10441.96
Value
$631,589
$741,952
$1,373,541
Income Flow
New Home Check List
Characteristic
What Is Important To Us
10
Elm
124
Condo
57
Cloud
117
Brook
Comments__________________________________________________
____________________________________________________________
____________________________________________________________
____________________________________________________________
____________________________________________________________
Comments__________________________________________________
____________________________________________________________
____________________________________________________________
____________________________________________________________
____________________________________________________________
Possible Allocation of $13 million
Visual review of discussions with two advisors from different firms.
The progression from Low to High risk is based on how advisors would place the investments
in order of lower to increasing risk.
Low
High
US T Bills
MMKT/US Gov
UBS Muni
Bonds
Tax Free
1 mil
2.9 mil
8%
Safe and
Available
23%
Guaranteed
interest and
Low risk to
principal
Multi Manager Multi Manager
Shorter
Longer
Bonds
Bonds
Hedge funds
Och Ziff
York Credit
Hedge fund
Third Point
2 mil
1 mill
($500k each)
500k
8%
4%
Growth with
low volatility
Growth with
low volatility
15%
3.9 mil
30%
Higher interest
Growth of principal
BKL
Rock
MLP
Discr.
Stock
250k
1 mil
250k
8%
2%
2%
Growth
Growth
Growth
Note: 1. This is just a visual for discussion, not recommendations, not an expert opinion.
2. Cash left in Wells Fargo or Chase is for required liquidity, possible real estate purchase, or personal investment opportunity. 78
79
FOUR MONEY CHOICES
Step One
SPENDING
SAVING
INVESTING
SHARING
What do you
spend money
on?
Why do you save?
What do expect
from your
investments?
Should you share
your money?
Why?
Should you
keep track of all
spending?
How much should
you save?
How much risk is
OK for your
401(k)?
Who would you
give money too?
Why? How much?
Should you have
separate spending
money from your
spouse/partner?
What difference
does it make to
have money
saved?
How should you
keep track of your
investments?
What does sharing
mean to you?
Do you expect to
have enough
money to buy
what you want?
Do you expect to
make your savings
goals ?
Where to you
expect to get the
best return on your
investments?
Do you expect to
know how your
sharing makes a
difference?
FOUR MONEY CHOICES
Step Three
FOUR MONEY
CHOICES
SAVE
SHARE
SPEND
INVEST
HOW MUCH
WHY
HOW
Estate Planning Conversation Graphic
SMOOTH TRANSITIONS
Life
Disability
Legacy
My Plan is Created
My Plan Works
My Plan Is Settled
Confidence
Peace of Mind
Helpers In Place
Family Prepared
Wealth Reception™
WELL BEING
The Protect Your Future Process
Orientation
Design
• Highlights
• Bullets
“We
• Highlights
• bullet
continue to make more money when snoring than when active”
Delivery
Empowered Legacy
• Highlights
• bullet
• Highlights
• bullet
Warren Buffet
“We
continue to make more money when snoring than when active”
Warren Buffet
Transition from Widow to Independent Woman©
"People gain so much hope when they know they are not experiencing something alone.”
--Joyce Rupp
Grief--numb
Growth--journey
Grace--transformation
Financial Triage
General Planning
Advanced Planning
NEEDS TO BE HEARD
AND UNDERSTOOD
COGNITIVE FUNCTIONS
NORMALIZED
NEW LIFE EVOLVES
“Financial Steps” done
Estate and charitable
planning
Highly vulnerable time
NO big decisions
Focus only on immediate
needs, such as cash flow
Investments & taxes
Pre or post-retirement
issues
Special family issues
Your Story, Your Values,
Your Legacy™
House decisions
breathe
balance
fulfillment
Feel Financially Secure
Kathleen M. Rehl, Ph.D., CFP®
©
Kathleen M. Rehl, Ph.D., CFP®
How to insert Charts From Excel into PowerPoint
Hi Natalie-On Friday, we talked about one pagers and I mentioned that I had a way to insert excel
charts right into a PPoint slide which is a lot more effective than trying to build a chart in PP
itself. Here are the steps, at least as they work on my desktop-1. Completely format the excel chart to be copied while it is in Excel. All color, fonts,
underlines etc. need to be in final form
2. Highlight the part of the chart to be copied
3. Select the Copy command
4. move cursor to the open PPoint slide and click in the general area that you want to place
the chart
5. Click on Edit; on the drop down, select Paste Special
6. This will open another window box with some weird options; pick the one that says
Picture (Windows Metafile) and OK
7. The chart will open up in PPoiint with all the boundaries visible so you can move or
enlarge it--just like a Word Art
8. If you want to update or modify the chart, simply delete from the PPoint slide and start
over from #1 above. You cannot modify once it is in the PPoint slide itself.
If Susan is ok, perhaps you can distribute this or post it. Hope that helps anyone who is
trying to do this!!
10 Huntly Circle, Palm Beach Gardens, FL 33418
P: 561-776-6209 | F: 561-828-3905 | [email protected] | www.SuddenMoney.com
90
Income Flow
Trust
Shares
P&G
3000
Cost Basis
Tax if Sold*
$32,304
*capital gain rate of 20%
Value
$181,980
$20,460
IRA
P&G
Cash/Pre-Mix
TOTAL
Shares
10441.96
Value
$631,589
$741,952
$1,373,541
Purpose Statement
Joe & Jane Smith
Vision of
Your Ideal
Future:
Key Values:
:
Purpose Statement
Joe & Jane Smith
Transitions
to Plan For:
Concerns to
Address:
Goals to
Achieve:
**If you would like this slide in an editable version, please contact the office 561-776-8987