Prepared for: Jamie Smith

This analysis is based on information from your online financial profile, our 360° Overview phone call on March 12, 2014, and any information provided by you during the financial planning process. LearnVest

Planning Services assumes all information you have provided is accurate.

Prepared for: Jamie Smith

Your LearnVest Planning Expert:

Rachel Sanborn, CFP®

Jamie:

As you'll see, there are a lot of action items. But remember that you don't

have to attack everything at once. You'll want to use our Money Center

and iPhone app for money minute check-ins at least a couple times per

week.

We're a team now. It's your job to put things into motion and it is my job to

hold you accountable for staying on track, so let's go!

Action Program: Welcome!

The foundation of it all, your Action Program is the first step towards

making serious progress with your money. To help you succeed, this plan

includes:

Customized

Analysis

The must-know

details

Accountability

Staying on track

means staying in

touch

!

Achieving)a)Net)Zero)Budget3

Focus

!

The Basics

Age

Kids

Annual Household Income

Monthly Take-Home Pay

Credit Score

Assets

Retirement Savings

Emergency Fund & Savings

Invested Assets

Other Assets

Real Estate

Debts

Credit Card Debt

Student Loans

Other Debt

Mortgage Balance

The big picture

Total assets Total debts Net worth

!$37,564

$9,973

$14,572

$14,965

$0

$1,945

$39,510

Your Current Financial Polaroid

Measuring where you are financially is the cornerstone of your Action Program.

31

0

$57,396

$3,522

685

$0

$1,945

$0

$0

$0

Monthly(Net(Income

x

Fixed Essential Costs

$1,547

Rent/Mortgages ...$1,300

Phone ...$100

Personal Finance ...$19

Insurance ...$128

Fixed Lifestyle Costs

$8

Personal Escrow

$100

Travel ...$80

Everything Else

$752

Transportation ...$160

Personal Care ...$100

Restaurants & Bars ...$75

Shopping ...$50

Home ...$27

Entertainment ...$50

Health ...$50

Financial Priorities

$1,065

Buffer

$50

Balance

$0

Your Budget Outline

Fixed costs

Everything else

Essentials Lifestyle

Rent/Mortgages Hulu Plus Groceries

Personal Finance Phone Transportation

Insurance Personal Care

Restaurants & Bars Shopping

Home

Entertainment Health

Watch list

_✪

Your spending weaknesses!

✪

✪

Pocket Guide

"Weekly Flex Spending" is the amount each week that you can spend on your "Everything Else" categories - in any way you want - and still stay on target with your Net Zero spending plan.

Weekly&Flex&Spending:

$201

Basic Security

!

Your%Basic%Security%/

per month*

per month

On your plate

On the horizon

Retirement

Emergency Fund

Loans & Good Debt

Credit Card Debt

Your Priorities Commitment

dedicate each month to your financial goals once you're fully ramped up.

You$ve'been'contributing

$0

By'July'2014,'you'should'be'contributing

$285

to'your'financial'priorities.

Your Financial Calendar

A financial plan wouldn't be complete without a game plan that is easy to stick to. Since we'll be working on your goals month by month, I've created you a custom calendar that outlines target contributions for each month. Love what you see? This will be a part of every step of the program from here on out and will be updated each time we deliver a new piece of your plan to give you a sense of what the next 12 months should look like.

Watch Out For Blue Sections!

This means that something

will change in this month,

such as increasing or

decreasing the amount we

recommend putting towards a

savings or debt payoff goal.

EXAMPLE

Retirement()(John

$1,100

Retirement()(Jane

$35

! Jane - Roth IRA - NEW $35

New(Car

$4,390

Loans

$375

February(2014

Your Financial Calendar: April - June 2014 Your Financial Calendar: July - September 2014

Retirement()(Jamie

$50

 Jamie - Roth 401(k) - NEW $50

Credit(Card(Debt $210  Chase - 19% $210 Loans $570  MOHELA - 7% $259  Car Loan - 3% $311 April&2014 Retirement()(Jamie $50

 Jamie - Roth 401(k) - NEW $50 Credit(Card(Debt

$210

 Chase - 19% $210

Emergency(Fund $135

 Jamie - Ally Bank $135 Loans $570  MOHELA - 7% $259  Car Loan - 3% $311 May$2014 Retirement()(Jamie $50

 Jamie - Roth 401(k) - NEW $50

Credit(Card(Debt

$210

 Chase - 19% $210

Emergency(Fund

$185

 Jamie - Ally Bank $185

Loans

$570

 MOHELA - 7% $259

 Car Loan - 3% $311

Your Financial Calendar: July - September 2014 Your Financial Calendar: October - December 2014

Retirement()(Jamie

$50

 Jamie - Roth 401(k) - NEW $50

Credit(Card(Debt

$210

 Chase - 19% $210

Emergency(Fund

$235

 Jamie - Ally Bank $235

Loans $570  MOHELA - 7% $259  Car Loan - 3% $311 July%2014 Retirement()(Jamie $50

 Jamie - Roth 401(k) - NEW $50

Credit(Card(Debt

$210

 Chase - 19% $210

Emergency(Fund

$235

 Jamie - Ally Bank $235

Loans $570  MOHELA - 7% $259  Car Loan - 3% $311 August&2014 Retirement()(Jamie $50

 Jamie - Roth 401(k) - NEW $50

Credit(Card(Debt

$210

 Chase - 19% $210

Emergency(Fund

$235

 Jamie - Ally Bank $235

Loans

$570

 MOHELA - 7% $259

 Car Loan - 3% $311

Your Financial Calendar: October - December 2014 Your Financial Calendar: January - March 2015

Retirement()(Jamie

$50

 Jamie - Roth 401(k) - NEW $50

Credit(Card(Debt

$210

 Chase - 19% $210

Emergency(Fund

$235

 Jamie - Ally Bank $235

Loans $570  MOHELA - 7% $259  Car Loan - 3% $311 October(2014 Retirement()(Jamie $50

 Jamie - Roth 401(k) - NEW $50

Credit(Card(Debt

$210

 Chase - 19% $210

Emergency(Fund

$235

 Jamie - Ally Bank $235

Loans $570  MOHELA - 7% $259  Car Loan - 3% $311 November(2014 Retirement()(Jamie $50

 Jamie - Roth 401(k) - NEW $50

Credit(Card(Debt

$825

 Chase - 19% $825

Emergency(Fund

$2,120

 Jamie - Ally Bank $2,120

Loans

$570

 MOHELA - 7% $259

 Car Loan - 3% $311 December'2014

Your Financial Calendar: January - March 2015

Retirement()(Jamie

$50

 Jamie - Roth 401(k) - NEW $50 Credit(Card(Debt

$330

 Chase - 19% $330 Emergency(Fund

$120

 Jamie - Ally Bank $120 Loans $570  MOHELA - 7% $259  Car Loan - 3% $311 January'2015 Retirement()(Jamie $50

 Jamie - Roth 401(k) - NEW $50

Credit(Card(Debt

$330

 Chase - 19% $330

Emergency(Fund

$120

 Jamie - Ally Bank $120

Loans $570  MOHELA - 7% $259  Car Loan - 3% $311 February(2015 Retirement()(Jamie $50

 Jamie - Roth 401(k) - NEW $50 Credit(Card(Debt

$330

 Chase - 19% $330

Emergency(Fund $120

 Jamie - Ally Bank $120 Loans

$570

 MOHELA - 7% $259

 Car Loan - 3% $311

What's my monthly savings

target?

Jamie: $806

Projections are calculated from information provided by you. 1. See footnote in Disclosures.

*This is a projection only and assumes an age-based rate of return, a 3% annual inflation rate, and 23 years for withdrawal.

How much do I need to have

saved by then?

Jamie: $2,100,715

What3Do3I

Need3To3Know?

What3Are3My3

Numbers?

How much time do I have until

retirement?

Jamie: 363years

Retirement

Goal

What's on my side?

Why else should I start today?

Time

Longevity

Starting early makes all the

difference. The longer your

retirement nest egg has to

grow, the better.

On one hand, advances in healthcare mean that we're living longer. On the other hand, that means providing ourselves with income for as many as twenty years or longer after we stop working.

Independence

As Social Security & pension systems shift and make available fewer retirement income resources, we may be largely on our own to fund our retirement.

Taking action today makes all

the difference. The more in

advance the planning, the

better prepared you will be.

Put simply, inflation means higher prices. By the time you retire, prices will likely be higher than they are today, which means a dollar will not go as far tomorrow as it does today. Since each dollar will buy slightly less in the future, the answer is simply to save more dollars!

Learn It

Target3Nest3Egg:

$2,100,715

*These are projections for illustrative purposes only and do not represent the return of any specific security. Plan to re-visit these numbers at least once a year to make sure you're on track.

1. See footnote in Disclosures

Funding Jamie's Retirement Salary

what you save today, plus a snapshot of the target nest egg amount we are working towards.

Total3Projected3Nest3Egg:

$533,492

SavingsP PensionP Social3SecurityP Rental3IncomeP Other3IncomeP SavingsP PensionP Social3SecurityP Rental3IncomeP Other3IncomeP GapP

TodayUs3Monthly3Savings

Plus employer match adds

Projected3Retirement3Salary

Projected3Replacement3Ratio

(in today's dollars) of today's income

New3Monthly3Savings3Target

Plus employer match adds

Target3Retirement3Salary

Target3Replacement3Ratio

(in today's dollars) of today's income

Target3Retirement3Age

$806

$274

$48,787

85%

67

We Recommend

Jamie's Stats

This is your action plan for retirement savings contributions. Your monthly target is the amount you'd need to be saving to be on track and it is what we are working towards together.

Current Path

$0

$274

Jamie3W3Roth3401(k)3W3

NEW NEW $0 Open3and3Fund

Your Retirement Account Overview

have recommended if there is any action to take on that specific account based on my analysis.

When it comes to saving for retirement, time is your biggest ally. It's incredibly

important to do whatever you can, as early as you can. To get on track to replace

85% of your income and maintain a similar standard of living at retirement, you would

need to contribute about $800 a month. I know this number may seem overwhelming,

so we'll ramp up your monthly savings goal over time. I'll have you start small by

saving $50 a month into your 401(k) at Intel. Then over time, you will slowly increase

contributions following your Financial Calendar. Incremental increases will have a

huge impact on your future without having a huge impact on your budget today. Your

employer offers a Roth 401(k) which could be a great option! The benefit of a pre-tax

traditional 401(k) is that it reduces your taxable income today, whereas the Roth

allows you to lock in today's historically low income tax rates and never pay income

taxes again on the funds.

Jamie&s(Retirement(Analysis

After going through your retirement planning projections, here is what I want to share

with you today regarding my analysis of your situation.

What%Do%I

Need%To%Know?

What%Are%My%

Numbers?

How$expensive$is$my$debt?

Without%a%new%gameplan,%

you>ll%pay%$8,663%in%

interest*

When's$my$debt5free$date?

With%this%new%gameplan,%

you%could%be%out%of%credit%

card%debt%by%January%2017

Projections based on information provided in your financial profile and your 360° Overview Call. *Assumes minimum payments on each card beginning the date of this plan.

Credit Cards

Goal

Why$is$credit$card$debt$the$worst$kind$of$debt?

Am$I$alone?

Learn It

Interest on a credit card accumulates on a daily basis, which means that the amount you owe can quickly spiral out of control even if you make the minimum payment.

Interest rates on credit cards are usually much higher than other types of debt which makes the daily accumulation that much more expensive and dangerous.

Source: Statistics from the U.S. Census, the Federal Reserve’s Aggregate Revolving Consumer Debt Survey, and the Survey of Consumer Finances (February 2013)

Do%not%add%to%the%balance.

No spending on any of these cards until they are at $0.

For%the%next

maximize%your%payments%on

while%paying%minimums%on%your%other%debt

Move$on$to$other$goals$once$credit$cards$are$paid$off!

Your Game Plan

This is the custom action plan I've created for you to help you shed your credit card debt.

Total%Interest%Saved%By%Game%Plan*:

$5,200

Debt%Free%By:

January%2017

33%months

*This is the amount saved vs. paying just the minimums on your cards. Consult your financial calendar for your exact monthly payment amounts per card.

1

!

2

!

Planner's Analysis

Now that we've gone through the game plan for how we're going to work on getting

you out of debt, I want to share some specific analysis with you about your cards.

JamieCs$Credit$Card$Analysis

Even though you have good intentions to pay more than the minimums on your credit

card, your spending is negating any progress. In order to start making progress, you

need to put your card on ice (literally!) and go on a debit-card-only diet. Use the debit

card on a new separate checking account for variable expenses to help you stay on

budget. Remember to switch over any recurring bills from your credit card to the

checking account you've designated for all of your fixed expenses.You should be able

to get the Chase card paid off within the next 3 years, saving you more than $5,000 in

0"Months

3"Months

What"Do"I

Need"To"Know?

What"Are"My"

Numbers?

If you quit your job today, how

long could you last on savings? or

-$0

If you quit your job today, how long should you be able to last

on savings?

or

-$10,600

Based on information from your online financial profile, our 360° Overview phone call on March 12, 2014, and any information provided by you during the financial planning process.

Emergency Fund

Goal

Why$should$I$care$at$all?

Why$3$months?

Having an Emergency Fund provides you with security, protection, freedom and flexibility when the unexpected happens. It protects you from having to fall back on credit cards or other types of debt in case of emergency. It also gives you freedom when making big financial decisions like pursuing a career change, or move to a new city.

The Action Program philosophy for your Emergency Fund target is that you should be able to replace at least 3 months of net income for the highest income earner in your household. After looking closely at your financial situation, I think this amount gives you an ideal amount of freedom and financial protection.

The$number$of$months$recommended$for$your$Emergency$Fund$is$determined$by$a$variety$of$factors$including$whether$or$not$you$have$a$non9financial$ safety$net,$children,$or$disability$insurance,$your$preferences$and$other$factors$you$may$discuss$with$your$expert.

Target:

Today

!you!have!

Complete

In!

6"Months

!you0ll!have

Complete

In!

1"Year

!you0ll!have

Complete

1.$See$footnote$in$Disclosures.

$10,600

Funding Your Target

Creating an Emergency Fund is no easy task. This shows where you are projected to be based on what you save today, plus a snapshot of the target amount we are working towards.

Consult"your"Financial"Calendar"for"your"personalized"monthJbyJ

month"savings"strategy.

$0

$1,025

$3,975

0%

10%

38%

Now that we've talked about some of the key aspects of your Emergency Fund, I want

to share with you a few more thoughts on this goal.

Saving for the future is an essential part of building a solid foundation. It's important to

balance building up your emergency savings simultaneously with tackling your credit

card debt - otherwise, you may be forced to continue to rely on credit in the event of

unexpected expense. Start by contributing $100 a month and gradually increase your

Emergency Fund contribution based on the Financial Calendar attached. Since you

DO have a non-financial safety net, you should aim to set aside 3 months of net pay.

Be sure to celebrate mini milestones along the way - $500, $1,000, $2,500 until you

hit $10,600! You'll also want to use a portion of any bonuses over the next couple

years to boost your Emergency Fund. If you follow this plan as laid out, you should

have about $1,000 saved within 6 months and almost $4,000 saved in the next year!

Planner's Analysis

!

Build

!

Moving'Beyond'Basic'Security3

What%Do%I

Need%To%Know?

What%Are%My%

Numbers?

off faster?

Yes

When will all of my loans be paid

off?

March%2019

Your Loans

Goal

Are$there$a$lot$of$people$in$my$boat?

Yup.

Learn It

*Indicates%a%subsidized%student%loan

Priority

Loan

Balance

Payment%Starts

Your Loans Rack & Stack

Staying organized with your loans is key. Here is an inventory of what we're working with right now.

1

MOHELA$8$7%

$14,572

Already$started

2

Car$Loan$8$3%

$14,965

Already$started

3

n/a

n/a

n/a

4

n/a

n/a

n/a

5

n/a

n/a

n/a

6

n/a

n/a

n/a

7

n/a

n/a

n/a

8

n/a

n/a

n/a

Always%pay%all%your%minimums.

And make it automated.

Starting%in%{Month}

September$2018

accelerate%your%payments%towards

while%paying%minimums%on%the%rest

Then%run%that%same%play%on%your

remaining%loans,%in%this%order:

Note: Consult your Financial Calendar for exact recommendations on accelerated payments

Your Game Plan

This is the custom action plan I've created for you to help you pay off your loans and debts.

Other%Debts%Paid%Off%By:

March%2019

1

!

2

!

3

!

Decide%whether%you%want%to%optimize%in%these%ways:

Optimizing Your Student Loans

Should$I$consolidate$

my$loans?

No

Based on the type of student loans that you have, consolidation may not be an option today. Keeping loans separated also allows you to work on paying off the highest interest rate loan first, when applicable.

Should$I$change$my$

repayment$plan?

No

Right now, the repayment plan you are using works well for the financial plan we are working on together.

Should$I$start$

repaying$early?

No

Stick with your current time frame for paying off the loan(s), which works for you given the rest of your financial plan.

Should$I$apply$for$

income8based$

repayment$(IBR)?

No

Converting to an IBR plan is not ideal since it dramatically increases the amount of interest you will pay as well as your timeline to be debt free. It will take longer to repay your loan(s) on an IBR plan.

Should$I$apply$for$

public$service$loan$

forgiveness?

No

Since you don't qualify for the Public Service Loan Forgiveness (PSLF) program based on your type of loan, this won't be an option for you.

These%may%not%include%all%options%available%to%you%for%your%student%loans.%Be%sure%to%discuss%any%other%options%with%your%expert.

Managing your loan debt is a critical aspect of your financial plan. After analyzing your

situation, here are a few things I want to make sure we cover.

While you balance other goals, continue to pay the minimum on your student

loan and auto loan. You are fortunate that the balance and interest rates on

your loans are manageable, which frees you up to focus on your basic financial

security of building emergency savings, having zero credit card debt and

creating a robust retirement savings. The good news is that once you pay off

your credit card debt and have your emergency savings set aside, you'll be

able to start paying down these loans more quickly. In fact, you'll be on track to

have both loans paid off within about 5 years - just think of how amazing you'll

feel once that weight is off your shoulders!

Planner's Analysis

Jamie:

To#a#Richer#Life,

Rachel Sanborn, CFP®

!!

NOW#GET#GOING!

You have a lot of exciting and challenging goals ahead of you. I know from experience that starting fresh with a financial plan means putting some serious thought and hard work into your finances. This document contains a number of resources to help you put your plan into motion. Make sure to thoroughly review the Financial Calendar and Analysis for each Action Program step, and check in online to let me know how you're doing. Most importantly, I am here to help and support you. If you have questions along the way, check in with me anytime!

It will be really fun to track your progress, so keep an eye on your LearnVest Money Center. I suggest checking on your account daily for the first 30 days, and then weekly, so you can review your budget, organize your transactions into custom folders, and access a real-time snapshot of all the progress you are making.

Remember, a financial plan is based on your situation and goals today, so as your life changes, you should expect to revisit your goals and Financial Calendar. There are plenty of tasks to be working on until then, and I am confident that the steps in this plan are going to help ensure a solid foundation for your financial future. I really enjoyed building this plan for you and I look forward to talking again soon on our next planning call!

P L A N N I N G S E R V I C E S

Office number: 866-413-7883

www.learnvest.com

Disclosures

Information in this Financial Plan is for educational purposes only. Calculations are all

estimates based on information from the financial profile you completed at learnvest.com and any information provided by you during the financial planning process. LVPS assumes all information you have provided is accurate. The suggestions here are neither appropriate for the purposes of making a decision to carry out a transaction or trade, nor do they provide any tax or legal advice or making any recommendations regarding particular financial instruments, investments, or products. LVPS is not a broker or tax advisor. LVPS is a Registered

Investment Adviser. MATERIALS ARE FOR EXISTING CLIENT USE ONLY.

Recommendations made by LVPS are for you, the paid client, and this information is based upon information supplied to LVPS by you, the paid client.

1. Recommendations and forward projections are based on your existing income and expenses provided by you and following all recommendations in your Focus step or in other communication with your LVPS expert. If anything in your finances changes (income or expenses), projections may no longer be applicable. You should discuss any changes in your financial situation with your LVPS expert as soon as possible. The statements related to the future business and financial performance, and future events or developments involving your portfolio or investments may constitute forward-looking statements. These statements may be identified by words such as "expects," "looks forward to," "anticipates," "intends," "plans," "believes," "seeks," "estimates," "will," "project" or words of similar meaning. Such statements are based on the current expectations and certain assumptions of financial markets and historical performance of those markets, and are, therefore, subject to certain risks and uncertainties. A variety of factors, many of which are beyond LearnVest Planning's control, affect investment operations, performance, business strategy and results and could cause the actual results, performance or achievements of your investment accounts to be materially different from any future results, performance or achievements that may be expressed or implied by such forward-looking statements or anticipated on the basis of historical trends.