Fact Finder
Fact Finder
Profiles Forecaster
Mapping Your Financial Future Preparing for your financial future involves following a disciplined process that involves identifying your goals and exploring financial strategies. These six steps will help you map your financial future: 1. 2. 3. 4. 5. 6.
Discovery – Identify and prioritize your financial goals Data Gathering – Collect facts and figures based on your current situation Analyze – Input data and run calculations and identify shortfalls Recommend – Propose a financial strategy designed to satisfy your goals Implement – Choose a financial strategy and implement Periodic Review – Review regularly to measure success and make adjustments
The purpose of this questionnaire is to help gather data as part of steps one and two. By taking the time to prepare now, you may be able to lay out a path for your financial future.
What concerns you the most? There are a number of different areas to consider when preparing for your financial future. Start now by identifying your financial goals. Which of the following areas are important to you? Needs in the Event of Death College Funding
Examine the financial impact of death, including immediate cash needs and continuing income needs. Find out the cost of education and alternative funding methods.
Complete these sections 1, 2, 5, 6, 7 1, 3
Retirement
Assess how your current retirement strategy will meet your objective.
Asset Allocation
Examine your current asset allocation strategy in relation to your risk tolerance.
Disability Income
Assess the financial effect of a disability on your income.
1, 8
Long-Term Care
Evaluate the impact that long-term care costs can have on your financial future.
1, 9
Client A Name (please print)
Client B Name (please print)
1, 4, 5, 6, 7 1, 5, 6
(plus the asset allocation questionnaire)
Date
This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved. Advicent Solutions™, and Profiles™ are trademarks of Advicent Solutions.
Fact Finder
Profiles Forecaster
Section 1 - Personal Information Marital Status
Single
Married
Domestic Partner
Client A
Client B
First Name Middle Name Last Name Date of Birth Address City
State
Phone
E-mail
Employment Information
Client A
Zip
Client B
Employer Occupation Phone For Discussion • Describe your current job? • How long have you been working there? • What are your career plans?
Dependent Information Child’s Name
Date of Birth
Child’s Name
Date of Birth
For Discussion • Do any of your dependents have special needs? • Do you plan on having additional children? • Are there others that financially depend on you (e.g., parents, grandchildren)? • Do any of your family members live in this area?
This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
2
Fact Finder
Profiles Forecaster
Section 2 - Survivor Needs The death of a wage earner can have a significant impact on household income. Financial experts recommend that every strategy include an analysis of needs in the event of a death. Survivor Income Needs In the event of death, what income (percent or dollar/mo.) should be provided for your family’s continuing needs?
With children at home
Without children at home
% or $
% or $
What age should Survivor’s Social Security Retirement benefits begin? Provided income for how long?
years or
In the event of death, should your children’s education be funded? (If yes, also complete Section 3.) Current Life Insurance Name of Insured
Insurance Benefit
Insurance Company
Yes No
Annual Premium
$
$
$
$
$
$
$
$
*Insurance types include: Group, Term, Whole Life, Universal Life, and Other
Lifetime
Type*
For Discussion • What do you want your life insurance to do for you? • When did you buy your last policy? From whom? • Does your family have any special interests or health conditions that could affect your insurance planning?
Section 3 - College Funding Many people want to help fund education costs for their children. The sooner you begin to develop a strategy for education savings, the more time your money will have to accumulate. Child’s Name
Average College Cost 2015 – 2016 $19,548 Public College Private College $43,921
Source: Annual Survey of Colleges 2015. Copyright © 2015 The College Board. This material may not be copied, published, rewritten or redistributed without permission.
College Cost Search *
School
Amount Needed per year
OR
Years to Attend
Percent to provide
Yes
$
yrs
%
Yes
$
yrs
%
Yes
$
yrs
%
Yes
$
yrs
%
Yes
$
yrs
%
* Include in college costs: Tuition (in-state); Tuition (Out-of-state); Room only; Room & Board; Books & Supplies
Current Savings Enter any savings already accumulated for your children’s education. Total saved to date
$
Monthly Savings
Average Rate of Return
$
%
For Discussion • Would you like them to go to the college of their choice? • How do you feel about your college funding program? This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
3
Fact Finder
Profiles Forecaster
Section 4 - Retirement Many people underestimate the amount of money they will need in retirement. Begin saving for your retirement income as soon as possible. Client A Client B At what age do you plan to retire? At what age will you begin to collect Social Security? Indicate your retirement need as either a percent of current income or a dollar amount for up to three phases. Percentage of current income (e.g., 80%) Monthly need (in today’s dollars) % Phase 1 starts at $ retirement Phase 2 starts at age
$
Phase 3 starts at age
$
For Discussion • Does your employer offer a retirement plan? • Are you contributing the maximum?
Section 5 - Earnings and Assets Enter your annual employment income in this section. Include income received from employers as well as selfemployment income. All other sources of income should be entered in the Other Income/Expenses section. Earnings Client A Client B Annual Employment Income
$
Do you contribute to Social Security?
$ Yes No
Yes No
Assets and Liabilities In this section include your residence, personal property, real estate, and business assets. Do not include any retirement or investment assets, those will be included in Section 6. Personal Residence Rent - Monthly Rent $
Own - Mortgage Balance
Details for Mortgage Name
Credit Cards and Personal Loan
$ $
Market Value
$
$
Mortgage Balance
$
Monthly Payment
Interest Rate
%
total or use details below
Details for Credit Cards and Personal Loans Name Amount
$ $ $ $
$ $ $ $
Monthly Payment
Final Payment Date
Interest Rate
% % % %
Additional Asset and Liabilities Details Type*
Name
*Types include: Personal Property, Real Estate and Business
$ $ $
Market Value
$ $ $
Current Liability
This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
4
Fact Finder
Profiles Forecaster
Section 6 - Savings and Investments Please provide information regarding retirement plans you may have. Include IRAs, Roth IRAs, SEP IRAs, SIMPLE IRAs, 401(k)s (including any employer match), 403(b)s, Profit Sharing Plans, 457 plans, variable annuities, etc. Retirement Funds For this section either enter total amounts or details Total Amount
Total Monthly Savings
$
Average Rate of Return
$
%
Details for Retirement Funds (attach statement or complete section below) Owner
Account Name
Asset Name
Amount
Monthly Savings
Savings Increase
% $
$
%
$
% $
$
%
$
% $
$
%
$
% $
$
%
$
% $
$
%
$
% $
$
%
$
% $
$
%
Total Amount
Total Monthly Savings
Average Rate of Return
$
%
Details for Bank Accounts and Investments (attach statement or complete section below) Owner
Company Match
$
Bank Accounts and Investments For this section either enter total amounts or details $
Rate of Return
Account Name
Asset Name
Amount
Rate of Return
Monthly Savings
Savings Increase
$
% $
%
$
% $
%
$
% $
%
$
% $
%
$
% $
%
$
% $
%
$
% $
%
For Discussion • What is the best investment you’ve made? • What is the worst investment you’ve made? • How do you feel about your investments? • What percentage of your income should be saved? This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
5
Fact Finder
Profiles Forecaster
Section 7 - Other Income and Expenses Other Income
Enter other income sources that you currently receive or expect to receive in the future. Be sure to include alimony, child support, defined benefit pension plans, fixed annuities, part-time income during retirement, expected inheritance, etc. Type 1
Name
Recipient
Present or Annual Amount 2 Future Value Increase
Begin When?
Client A Client B
$
Present Future
%
Client A Client B
$
Present Future
%
Client A Client B
$
Present Future
%
Client A Client B
$
Present Future
%
Client A Client B
$
Present Future
%
Client A Client B
$
Present Future
%
Today Retirement Year _____ Today Retirement Year _____ Today Retirement Year _____ Today Retirement Year _____ Today Retirement Year _____ Today Retirement Year _____
End When?
Retirement Death Year _____ Retirement Death Year _____ Retirement Death Year _____ Retirement Death Year _____ Retirement Death Year _____ Retirement Death Year _____
Income Applies to
Retirement Survivor A Dies Survivor B Dies Retirement Survivor A Dies Survivor B Dies Retirement Survivor A Dies Survivor B Dies Retirement Survivor A Dies Survivor B Dies Retirement Survivor A Dies Survivor B Dies Retirement Survivor A Dies Survivor B Dies
1 Other Income, Social Security or Lump-Sum 2 All amounts are monthly amounts except a Lump Sum, which is a single payment.
Expenses
Enter the living expenses to be listed in the cash flow reports. If monthly savings and liabilities have been included in Sections 5 and 6, then do not include those expenses here. Expense Name
Monthly Amount
Annual Amount
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
For Discussion • Do you have a cash flow strategy? • What changes could be made to your current budget? This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
6
Fact Finder
Profiles Forecaster
Section 8 - Disability Income Disability Income Needs
Client A
Annual Employment Income
Client B
$
$
Income Replacement Objective
% of above
% of above
Current Long-Term Disability Insurance Client A
Monthly Benefit Disability Insurance Details Name of Insured
Insurance Company
Client B
$
$ Monthly Benefit
totals or use details below
Group or Personal
Annual Premium
$
$
$
$
$
$
$
$
Waiting Period 1
Benefit Period 2
1 Waiting Period options: 1 month, 2 months, 3 months, 6 months or 12 months. 2 Benefit Period options 3 months, 6 months, 1 year, 2 years, 3 years, 4 years, 5 years, to age 65, or Lifetime.
For Discussion • What does your current disability plan provide? • How do you feel about your current plan?
Section 9 - Long-Term Care Long-term care expenses can have a tremendous impact on a family’s financial security. Having sufficient insurance coverage can help assure there is enough money for adequate care. Estimated monthly long-term care costs (in today’s dollars):
$
Existing Long-Term Care Coverage Name of Insured
Insurance Company
Daily Benefit
Annual Premium
$
$
$
$
$
$
$
$
Elimination Period (Days)
Benefit Period (Years)
For Discussion • Has anyone in your family experienced a long-term care need? • Do you need to replace your income if you are unable to work? • Will you be caring for elderly parents in the future? This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
7
Fact Finder
Profiles Forecaster
Who Could Benefit from an Analysis? Name
Employer
Address City
State
E-mail
Home #
Name
Zip Work #
Employer
Address City
State
E-mail
Home #
Name
Zip Work #
Employer
Address City
State
E-mail
Home #
Zip Work #
Notes
Declaration I declare that I have reviewed the information collected in this data sheet and that it is correct to the best of my knowledge.
Client A Printed Name
Signature
Date
Client B Printed Name
Signature
Date
This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
8
Profiles Forecaster
Mapping Your Financial Future Preparing for your financial future involves following a disciplined process that involves identifying your goals and exploring financial strategies. These six steps will help you map your financial future: 1. 2. 3. 4. 5. 6.
Discovery – Identify and prioritize your financial goals Data Gathering – Collect facts and figures based on your current situation Analyze – Input data and run calculations and identify shortfalls Recommend – Propose a financial strategy designed to satisfy your goals Implement – Choose a financial strategy and implement Periodic Review – Review regularly to measure success and make adjustments
The purpose of this questionnaire is to help gather data as part of steps one and two. By taking the time to prepare now, you may be able to lay out a path for your financial future.
What concerns you the most? There are a number of different areas to consider when preparing for your financial future. Start now by identifying your financial goals. Which of the following areas are important to you? Needs in the Event of Death College Funding
Examine the financial impact of death, including immediate cash needs and continuing income needs. Find out the cost of education and alternative funding methods.
Complete these sections 1, 2, 5, 6, 7 1, 3
Retirement
Assess how your current retirement strategy will meet your objective.
Asset Allocation
Examine your current asset allocation strategy in relation to your risk tolerance.
Disability Income
Assess the financial effect of a disability on your income.
1, 8
Long-Term Care
Evaluate the impact that long-term care costs can have on your financial future.
1, 9
Client A Name (please print)
Client B Name (please print)
1, 4, 5, 6, 7 1, 5, 6
(plus the asset allocation questionnaire)
Date
This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved. Advicent Solutions™, and Profiles™ are trademarks of Advicent Solutions.
Fact Finder
Profiles Forecaster
Section 1 - Personal Information Marital Status
Single
Married
Domestic Partner
Client A
Client B
First Name Middle Name Last Name Date of Birth Address City
State
Phone
Employment Information
Client A
Zip
Client B
Employer Occupation Phone For Discussion • Describe your current job? • How long have you been working there? • What are your career plans?
Dependent Information Child’s Name
Date of Birth
Child’s Name
Date of Birth
For Discussion • Do any of your dependents have special needs? • Do you plan on having additional children? • Are there others that financially depend on you (e.g., parents, grandchildren)? • Do any of your family members live in this area?
This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
2
Fact Finder
Profiles Forecaster
Section 2 - Survivor Needs The death of a wage earner can have a significant impact on household income. Financial experts recommend that every strategy include an analysis of needs in the event of a death. Survivor Income Needs In the event of death, what income (percent or dollar/mo.) should be provided for your family’s continuing needs?
With children at home
Without children at home
% or $
% or $
What age should Survivor’s Social Security Retirement benefits begin? Provided income for how long?
years or
In the event of death, should your children’s education be funded? (If yes, also complete Section 3.) Current Life Insurance Name of Insured
Insurance Benefit
Insurance Company
Yes No
Annual Premium
$
$
$
$
$
$
$
$
*Insurance types include: Group, Term, Whole Life, Universal Life, and Other
Lifetime
Type*
For Discussion • What do you want your life insurance to do for you? • When did you buy your last policy? From whom? • Does your family have any special interests or health conditions that could affect your insurance planning?
Section 3 - College Funding Many people want to help fund education costs for their children. The sooner you begin to develop a strategy for education savings, the more time your money will have to accumulate. Child’s Name
Average College Cost 2015 – 2016 $19,548 Public College Private College $43,921
Source: Annual Survey of Colleges 2015. Copyright © 2015 The College Board. This material may not be copied, published, rewritten or redistributed without permission.
College Cost Search *
School
Amount Needed per year
OR
Years to Attend
Percent to provide
Yes
$
yrs
%
Yes
$
yrs
%
Yes
$
yrs
%
Yes
$
yrs
%
Yes
$
yrs
%
* Include in college costs: Tuition (in-state); Tuition (Out-of-state); Room only; Room & Board; Books & Supplies
Current Savings Enter any savings already accumulated for your children’s education. Total saved to date
$
Monthly Savings
Average Rate of Return
$
%
For Discussion • Would you like them to go to the college of their choice? • How do you feel about your college funding program? This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
3
Fact Finder
Profiles Forecaster
Section 4 - Retirement Many people underestimate the amount of money they will need in retirement. Begin saving for your retirement income as soon as possible. Client A Client B At what age do you plan to retire? At what age will you begin to collect Social Security? Indicate your retirement need as either a percent of current income or a dollar amount for up to three phases. Percentage of current income (e.g., 80%) Monthly need (in today’s dollars) % Phase 1 starts at $ retirement Phase 2 starts at age
$
Phase 3 starts at age
$
For Discussion • Does your employer offer a retirement plan? • Are you contributing the maximum?
Section 5 - Earnings and Assets Enter your annual employment income in this section. Include income received from employers as well as selfemployment income. All other sources of income should be entered in the Other Income/Expenses section. Earnings Client A Client B Annual Employment Income
$
Do you contribute to Social Security?
$ Yes No
Yes No
Assets and Liabilities In this section include your residence, personal property, real estate, and business assets. Do not include any retirement or investment assets, those will be included in Section 6. Personal Residence Rent - Monthly Rent $
Own - Mortgage Balance
Details for Mortgage Name
Credit Cards and Personal Loan
$ $
Market Value
$
$
Mortgage Balance
$
Monthly Payment
Interest Rate
%
total or use details below
Details for Credit Cards and Personal Loans Name Amount
$ $ $ $
$ $ $ $
Monthly Payment
Final Payment Date
Interest Rate
% % % %
Additional Asset and Liabilities Details Type*
Name
*Types include: Personal Property, Real Estate and Business
$ $ $
Market Value
$ $ $
Current Liability
This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
4
Fact Finder
Profiles Forecaster
Section 6 - Savings and Investments Please provide information regarding retirement plans you may have. Include IRAs, Roth IRAs, SEP IRAs, SIMPLE IRAs, 401(k)s (including any employer match), 403(b)s, Profit Sharing Plans, 457 plans, variable annuities, etc. Retirement Funds For this section either enter total amounts or details Total Amount
Total Monthly Savings
$
Average Rate of Return
$
%
Details for Retirement Funds (attach statement or complete section below) Owner
Account Name
Asset Name
Amount
Monthly Savings
Savings Increase
% $
$
%
$
% $
$
%
$
% $
$
%
$
% $
$
%
$
% $
$
%
$
% $
$
%
$
% $
$
%
Total Amount
Total Monthly Savings
Average Rate of Return
$
%
Details for Bank Accounts and Investments (attach statement or complete section below) Owner
Company Match
$
Bank Accounts and Investments For this section either enter total amounts or details $
Rate of Return
Account Name
Asset Name
Amount
Rate of Return
Monthly Savings
Savings Increase
$
% $
%
$
% $
%
$
% $
%
$
% $
%
$
% $
%
$
% $
%
$
% $
%
For Discussion • What is the best investment you’ve made? • What is the worst investment you’ve made? • How do you feel about your investments? • What percentage of your income should be saved? This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
5
Fact Finder
Profiles Forecaster
Section 7 - Other Income and Expenses Other Income
Enter other income sources that you currently receive or expect to receive in the future. Be sure to include alimony, child support, defined benefit pension plans, fixed annuities, part-time income during retirement, expected inheritance, etc. Type 1
Name
Recipient
Present or Annual Amount 2 Future Value Increase
Begin When?
Client A Client B
$
Present Future
%
Client A Client B
$
Present Future
%
Client A Client B
$
Present Future
%
Client A Client B
$
Present Future
%
Client A Client B
$
Present Future
%
Client A Client B
$
Present Future
%
Today Retirement Year _____ Today Retirement Year _____ Today Retirement Year _____ Today Retirement Year _____ Today Retirement Year _____ Today Retirement Year _____
End When?
Retirement Death Year _____ Retirement Death Year _____ Retirement Death Year _____ Retirement Death Year _____ Retirement Death Year _____ Retirement Death Year _____
Income Applies to
Retirement Survivor A Dies Survivor B Dies Retirement Survivor A Dies Survivor B Dies Retirement Survivor A Dies Survivor B Dies Retirement Survivor A Dies Survivor B Dies Retirement Survivor A Dies Survivor B Dies Retirement Survivor A Dies Survivor B Dies
1 Other Income, Social Security or Lump-Sum 2 All amounts are monthly amounts except a Lump Sum, which is a single payment.
Expenses
Enter the living expenses to be listed in the cash flow reports. If monthly savings and liabilities have been included in Sections 5 and 6, then do not include those expenses here. Expense Name
Monthly Amount
Annual Amount
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
For Discussion • Do you have a cash flow strategy? • What changes could be made to your current budget? This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
6
Fact Finder
Profiles Forecaster
Section 8 - Disability Income Disability Income Needs
Client A
Annual Employment Income
Client B
$
$
Income Replacement Objective
% of above
% of above
Current Long-Term Disability Insurance Client A
Monthly Benefit Disability Insurance Details Name of Insured
Insurance Company
Client B
$
$ Monthly Benefit
totals or use details below
Group or Personal
Annual Premium
$
$
$
$
$
$
$
$
Waiting Period 1
Benefit Period 2
1 Waiting Period options: 1 month, 2 months, 3 months, 6 months or 12 months. 2 Benefit Period options 3 months, 6 months, 1 year, 2 years, 3 years, 4 years, 5 years, to age 65, or Lifetime.
For Discussion • What does your current disability plan provide? • How do you feel about your current plan?
Section 9 - Long-Term Care Long-term care expenses can have a tremendous impact on a family’s financial security. Having sufficient insurance coverage can help assure there is enough money for adequate care. Estimated monthly long-term care costs (in today’s dollars):
$
Existing Long-Term Care Coverage Name of Insured
Insurance Company
Daily Benefit
Annual Premium
$
$
$
$
$
$
$
$
Elimination Period (Days)
Benefit Period (Years)
For Discussion • Has anyone in your family experienced a long-term care need? • Do you need to replace your income if you are unable to work? • Will you be caring for elderly parents in the future? This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
7
Fact Finder
Profiles Forecaster
Who Could Benefit from an Analysis? Name
Employer
Address City
State
Home #
Name
Zip Work #
Employer
Address City
State
Home #
Name
Zip Work #
Employer
Address City
State
Home #
Zip Work #
Notes
Declaration I declare that I have reviewed the information collected in this data sheet and that it is correct to the best of my knowledge.
Client A Printed Name
Signature
Date
Client B Printed Name
Signature
Date
This form may be printed by licensed users of Profiles Forecaster software for personal and client use. Reproduction for redistribution purposes is not permitted without the prior approval of Advicent Solutions, Inc. © Copyright 2016 Advicent Solutions LP and its affiliated companies (Advicent Solutions). All rights reserved.
8
