2011-05-10 19:46:47.295 UTC db728980c0a8017301e82a708b88b724 false db728981c0a80173013a50418f8fd951 db72898bc0a8017300c433cb8d828696 2018-05-09 05:00:00.0 UTC Base Plan 2018 db728982c0a80173016add0e49f77a78 true jtreehorn1 2011-05-10 19:46:47.296 UTC true true false db7289a1c0a8017300d0fbe721bb5d7b db7289a1c0a80173004a19e260f87f0b db7289a3c0a8017300e9635a29f5a504 db7289a4c0a801730079bca48c55317b db7289a5c0a80173004fdf56fff4159a true false 0.025 true 0.03 0.025 true 0.035 0.035 90 UK_MID_&_SMALL_CAP_STOCKS 0.0402 PROPERTY 0.2236 INVESTMENT_GRADE_BONDS 0.1448 FOREIGN_DEVELOPED_MARKETS 0.0614 CASH 0.3448 SUB_INVESTMENT_GRADE_BONDS 0.1717 EMERGING_MARKETS 0.0135 true false false false 0.05 0.012 0.015 0.005 0.015 0.005 0.015 0.015 TAXABLE TAX_DEFERRED TAX_FREE PRIMARY SPOUSE TAXABLE TAX_DEFERRED TAX_FREE PRIMARY SPOUSE 0.0 0.5 0.5 false 0.2 0.0 0.15 0.0 90 65 false CASH 0.012 0.016 0.0 0.012 INVESTMENT_GRADE_BONDS 0.04 0.0712 0.0 SUB_INVESTMENT_GRADE_BONDS 0.059 0.093 1.0 UK_LARGE_CAP_STOCKS 0.076 0.1404 1.0 UK_MID_&_SMALL_CAP_STOCKS 0.103 0.169 1.0 EU_STOCKS 0.0779 0.1687 1.0 FOREIGN_DEVELOPED_MARKETS 0.0836 0.1397 1.0 EMERGING_MARKETS 0.117 0.213 1.0 PROPERTY 0.0496 0.117 1.0 CASH CASH 1.0 CASH INVESTMENT_GRADE_BONDS -0.06 CASH SUB_INVESTMENT_GRADE_BONDS -0.06 CASH UK_LARGE_CAP_STOCKS 0.1 CASH UK_MID_&_SMALL_CAP_STOCKS 0.16 CASH EU_STOCKS 0.1 CASH FOREIGN_DEVELOPED_MARKETS 0.0 CASH EMERGING_MARKETS -0.05 CASH PROPERTY -0.36 INVESTMENT_GRADE_BONDS INVESTMENT_GRADE_BONDS 1.0 INVESTMENT_GRADE_BONDS SUB_INVESTMENT_GRADE_BONDS 0.4 INVESTMENT_GRADE_BONDS UK_LARGE_CAP_STOCKS 0.45 INVESTMENT_GRADE_BONDS UK_MID_&_SMALL_CAP_STOCKS 0.28 EU_STOCKS INVESTMENT_GRADE_BONDS 0.34 FOREIGN_DEVELOPED_MARKETS INVESTMENT_GRADE_BONDS 0.27 EMERGING_MARKETS INVESTMENT_GRADE_BONDS 0.36 INVESTMENT_GRADE_BONDS PROPERTY -0.32 SUB_INVESTMENT_GRADE_BONDS SUB_INVESTMENT_GRADE_BONDS 1.0 SUB_INVESTMENT_GRADE_BONDS UK_LARGE_CAP_STOCKS 0.46 SUB_INVESTMENT_GRADE_BONDS UK_MID_&_SMALL_CAP_STOCKS 0.12 EU_STOCKS SUB_INVESTMENT_GRADE_BONDS 0.5 FOREIGN_DEVELOPED_MARKETS SUB_INVESTMENT_GRADE_BONDS 0.68 EMERGING_MARKETS SUB_INVESTMENT_GRADE_BONDS 0.65 PROPERTY SUB_INVESTMENT_GRADE_BONDS -0.41 UK_LARGE_CAP_STOCKS UK_LARGE_CAP_STOCKS 1.0 UK_LARGE_CAP_STOCKS UK_MID_&_SMALL_CAP_STOCKS 0.59 EU_STOCKS UK_LARGE_CAP_STOCKS 0.93 FOREIGN_DEVELOPED_MARKETS UK_LARGE_CAP_STOCKS 0.67 EMERGING_MARKETS UK_LARGE_CAP_STOCKS 0.62 PROPERTY UK_LARGE_CAP_STOCKS -0.21 UK_MID_&_SMALL_CAP_STOCKS UK_MID_&_SMALL_CAP_STOCKS 1.0 EU_STOCKS UK_MID_&_SMALL_CAP_STOCKS 0.64 FOREIGN_DEVELOPED_MARKETS UK_MID_&_SMALL_CAP_STOCKS 0.45 EMERGING_MARKETS UK_MID_&_SMALL_CAP_STOCKS 0.42 PROPERTY UK_MID_&_SMALL_CAP_STOCKS 0.06 EU_STOCKS EU_STOCKS 1.0 EU_STOCKS FOREIGN_DEVELOPED_MARKETS 0.69 EMERGING_MARKETS EU_STOCKS 0.66 EU_STOCKS PROPERTY -0.22 FOREIGN_DEVELOPED_MARKETS FOREIGN_DEVELOPED_MARKETS 1.0 EMERGING_MARKETS FOREIGN_DEVELOPED_MARKETS 0.59 FOREIGN_DEVELOPED_MARKETS PROPERTY -0.34 EMERGING_MARKETS EMERGING_MARKETS 1.0 EMERGING_MARKETS PROPERTY -0.27 PROPERTY PROPERTY 1.0 CASH INVESTMENT_GRADE_BONDS SUB_INVESTMENT_GRADE_BONDS UK_LARGE_CAP_STOCKS UK_MID_&_SMALL_CAP_STOCKS EU_STOCKS FOREIGN_DEVELOPED_MARKETS EMERGING_MARKETS PROPERTY false GEOMETRIC false default-UK-RSMR RSMR Market Assumptions true 2017-06-15 08:00:00.0 UTC RSMR Group ORGANIZATION false false false 1.0E8 0.04 0.03 0.03 TAX INSURANCE_PREMIUM ASSET_PURCHASE INVESTMENT_PURCHASE SECURED_DEBT_PAYMENT UNSECURED_DEBT_PAYMENT SEQ_01 LONG_TERM_CARE EDUCATION_EXPENSE SEQ_02 ANNUITIZATION_PURCHASE SEQ_03 SEQ_04 LEGACY 25 true false false true false true true true true false false 3 60 -0.29 0.01 0.25 0.88 0.13 0.72 0.06 TAX Taxes SEQ_01 Basics INSURANCE_PREMIUM Basics SECURED_DEBT_PAYMENT Basics UNSECURED_DEBT_PAYMENT Basics LONG_TERM_CARE Basics EDUCATION_EXPENSE College SEQ_02 Leisure SEQ_03 Luxury SEQ_04 Milestones ASSET_PURCHASE Milestones INVESTMENT_PURCHASE Milestones false false false 0.86 0.14 false 1.0 0.25 ONE_TIME UNLIMITED NONE_SELECTED 1.5 0.0 0.0 ATTEMPT_TO_OPTIMIZE true 1 1.01 BY_VALUE defaultPriceIndex 0.01 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_VALUE 0.0 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_PROPERTY defaultPriceIndex 0.0 BY_VALUE 0.02 BY_VALUE 0.04 BY_VALUE 0.0 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_VALUE 0.0 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_VALUE 0.0 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_VALUE 0.0 BY_VALUE 0.0 BY_DEFAULT 0.04 BY_VALUE 0.0 BY_VALUE 0.0 BY_VALUE 0.0 BY_VALUE 0.0 BY_VALUE 0.0 BY_VALUE 0.0 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 BY_DEFAULT 0.04 false db728988c0a8017301411104e0ec9386 true false db72898ec0a801730020fa9672d8ea0f 0.2 0.15 true false Start 2018 PLAN_START true false John Campbell 2018 7 11 1978 MALE PRIMARY 0 db728995c0a8017300e33fd4bead0d4a db72899bc0a8017301d418d750411433 e09ee01dc0a8017300432a1356026d67 e4ca3350c0a8019200cf68864d4d1fe6 e4cba87ac0a80192004b824dae6c9586 e4cbe4aec0a80192008b59f66b2826a7 e5788d0bc0a801730188594743571e11 04908acac0a80173018d0a235e7e73fd 04912b6cc0a8017301a750988a0293c4 d34ca955c0a801660117958ea76d5896 9c589b4bc0a801bd013b94247b3fa3e9 db728991c0a801730103ddfd81f2ec49 true false John's Cash 0.012 0.0 SCHEDULED_WITHDRAWALS DEFAULT_CASH true false Mortality 90 MORTALITY AGE_RELATIVE db728996c0a80173017380fcf79ef6bf true false Julia Campbell 10 6 1980 FEMALE SPOUSE 0 db728999c0a80173005514f9de0ca074 db72899cc0a8017301ab05a30947cf56 db728997c0a801730019232f3036d958 true false Julia's Cash 0.012 0.0 SCHEDULED_WITHDRAWALS DEFAULT_CASH true false Mortality 90 MORTALITY AGE_RELATIVE true false Retirement 60 RETIREMENT retirement AGE_RELATIVE true false Retirement 60 RETIREMENT retirement AGE_RELATIVE db72899dc0a8017300ff1e85397b5055 true false Alex Campbell 4 2 2000 MALE CHILD 0 d2b33000c0a80164001adc5a267e6dad d2b33000c0a801640178a826101bad1f d349b460c0a80166006729fca53034d2 d349b460c0a8016600f58173f765f08e db72899ec0a80173012cebd25104628a true false Alex's Cash 0.012 0.0 WITHDRAWAL_LIMITS DEFAULT_CASH db72899fc0a80173002e4344d5e7ac43 true false Martina Campbell 8 15 2003 MALE CHILD 0 d2b2eefbc0a8016400f6b8035fb41e96 d2b36958c0a801640070f6f0c4e70e72 d2b36958c0a8016400640df88171bef4 d34e07bcc0a80166014ec8a2be7c728f d34e07bdc0a801660156273acd2f48e3 d3514232c0a801660038e1492e13c299 a280d91b7f0000010136b88ab642ee04 a280d91b7f00000101d7dd06501aae8a a281e2ac7f00000101adc4c9051665e3 db72899fc0a80173014231c3ffc82dc6 true false Martina's Cash 0.04 DEFAULT_CASH true false Pre-Retirement -9758605 true false Retirement 1 -16738048 true false true false 1 db7289a6c0a8017301cfb15194c5db7e true false 2 db7289a7c0a8017300827b51060a04ec true false Retirement MULTI LAST true false Mortality MULTI LAST e0a11031c0a80173007179a3cb87ab26 true false 5044 false 67 e0a171c9c0a801730148b5752a589275 true false 5044 true false 70 e582f996c0a8017300eb91011ea9de3f true false Christie + Kiel-Group Personal Pension 245000 0.08 PERCENT true GPP true true 0.1 e582f989c0a8017301dc95c06f925be0 true e61b655fc0a8017300e55b8b18efa8b6 e5a3f16fc0a80173000c94ebc514fbc1 09fb74d7c0a801650106572fe162d3b9 true false Christie + Kiel 145000 COMPANY_OWNER true false UNLIMITED NONE_SELECTED true WITHDRAWAL_LIMITS LINKED false d964226fc0a801ac00fa0f9d4f55e09c e5c8f8d8c0a80173013fed2aeb475b47 true false Nurse-Group Personal Pension 45000 0.08 PERCENT true 0.015 GPP true true 0.08 e5c8f8cac0a801730158dda68a453129 true e603158ec0a8017300da6066357f91d0 e5f4415cc0a80173002f3536bda59bf8 09fba9b3c0a8016500a86a4606d934be true false Nurse 60000 true true false UNLIMITED NONE_SELECTED true WITHDRAWAL_LIMITS LINKED false d96446c0c0a801ac013a32abb1011487 true false LIMIT_TO_TFC UNLIMITED true false LIMIT_TO_TFC UNLIMITED fa257695c0a8017301822cd24807fac9 true false Cash ISA 15000 3500 DOLLAR 0.012 0.0 WITHDRAWAL_LIMITS ISA fa60a249c0a8017301e02436def041a3 true false Stock Market ISA 35000 6000 DOLLAR 1000 UNLIMITED 1000 FIXED true WITHDRAWAL_LIMITS true STOCK_ISA fa60a250c0a8017300696ecefba29cbc true false false facd7133c0a8017300678e712535a916 true false d34cfd35c0a8016600abc1050568747f Home 525000 true 510000 ff6767c2c0a801730195648f3e3f7399 PRIMARY_RESIDENCE true false Home Mortgage 430000 36000 0.045 18 ff855285c0a801730114ca44325e18cf true false Home Mortgage - payment 36000 ffb84fbdc0a80173007096f3efde2409 true false General Living Expenses 45600 true ffe6ac83c0a8017301955fe1277a5df4 true false Holidays 10000 e7ea7dd2c0a80bb4006797ae0b1de30f true false 7fede0dbc0a8016e01952a7d1e7917a0 true false 8 8 v2.0 UK true 2013-06-26 10:03:39.903 UTC 952 953 954 955 956 957 958 959 10328 10402 10434 10439 10441 10448 10452 10466 7fede09cc0a8016e01798641722df7dd true false 25 25 v2.0 UK true 2013-06-26 10:03:39.903 UTC 927 928 929 930 931 932 933 934 935 936 937 938 939 940 941 942 943 944 945 946 947 948 949 950 951 10113 10118 10122 10127 10132 10136 10140 10144 10150 10155 10158 10161 10167 10172 10176 10183 10187 10191 10196 10206 10213 10217 10221 10225 10297 71 6 71 6 Your Risk Tolerance Score enables you to compare yourself to a representative sample of the adult population. Your score is 71. This is a very high score, higher than 98% of all scores. classpath://com/gossamer/voyant/client/forms/planWizard/finametrica/curve6.gif 7ff08ed4c0a8016e004ecff5a72baddd true false 8 8 v2.0 UK true 2013-06-26 10:06:13.610 UTC 952 953 954 955 956 957 958 959 10329 10405 10434 10439 10441 10448 10452 10466 7ff08ec4c0a8016e014f972f3ced19ce true false 25 25 v2.0 UK true 2013-06-26 10:06:13.610 UTC 927 928 929 930 931 932 933 934 935 936 937 938 939 940 941 942 943 944 945 946 947 948 949 950 951 10111 10117 10121 10126 10131 10135 10139 10143 10148 10154 10158 10162 10166 10170 10176 10180 10186 10190 10194 10202 10211 10215 10221 10224 10277 47 4 47 4 Your Risk Tolerance Score enables you to compare yourself to a representative sample of the adult population. Your score is 47. This is a slightly-lower-than-average score, lower than 60% of all scores. classpath://com/gossamer/voyant/client/forms/planWizard/finametrica/curve4.gif true false false true false false d285d367c0a8016400b09a8296bee860 true false Stock Portfolio 45000 true WITHDRAWAL_LIMITS 0.01 false UNWRAPPED d285d377c0a80164006ffd5f708e7bea true false false d288bf90c0a8016401c98d56978c5c6f true false Cash on Deposit 125000 0.012 0.0 WITHDRAWAL_LIMITS d34d3f77c0a8016601fb4c6fc61e7481 true false 2 true false Porsche Caymen 55 car AGE_RELATIVE 9c584b46c0a801bd006e30ff808284be true false Porsche Caymen 75000 true false Martina's Wedding 27 wedding AGE_RELATIVE a281fc537f000001011235e1dd0aa029 true false Matina's Wedding 20000 true false false true false false false 0 a288c0f77f0000010079ada7f5ada9ba false 2014-05-10 00:00:00.0 UTC Option 3 - Spend Less (Save All Surplus) true READ_ONLY jtreehorn1 2014-09-23 12:42:24.375 UTC true false false true true false false true false false 3 60 -0.29 0.01 0.25 0.88 0.13 0.72 false false false false false false false false false false false false false false false false false false false false false false false false false false 0 false false false false false false 0 false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false 0 false false 0 false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false UK false 0 a28c70197f00000100a9e9012eebd1a8 false Option 2 - Retire Later, Work to 65 true READ_ONLY jtreehorn1 2014-09-23 12:46:25.817 UTC true false false true true false false false false false false false false false false false false false false false false false false false false false false false false false false false false 0 false false false false 65 false false 0 false false false false 62 false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false 0 false false 0 false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false UK false 0 a291a28d7f00000101028fabc1f6d46f false Option 1 - Get Full Employer Pension Match, Save More true READ_ONLY jtreehorn1 2014-09-23 12:52:06.413 UTC true false false true false false false false false false false false false false false false 0.1 false false false false false false false false false false 15000 MAX_CONTRIBUTION 1.0 false false false false false false 0 false false false false false false 0 false false false false false false false false false false false false 60000 false false false false false false false false false false false false false false false false 0 false false 0 false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false d96f5a28c0a801ac0157d2df28919c2f true false New ISA for Julia MAX_CONTRIBUTION true WITHDRAWAL_LIMITS d96f5a2dc0a801ac01bc8d00833522ec 1.0 true false false UK false 0 67d971b0c0a8015400b1536afd4221f3 a291a28d7f00000101028fabc1f6d46f false Option 1.1 - Full Employer Pension Match, Save More, Take Tax Free Cash at Retirement, Drawdown true READ_ONLY jtreehorn1 2017-02-22 22:03:08.79 UTC true false false true false false false false false false false false false false false false 0.1 false false false false false false false false false false 15000 MAX_CONTRIBUTION 1.0 false false d96d7168c0a801ac01ab142f6ab047e5 false false false false 0 false false PERCENTAGE false false false false 0 false false PERCENTAGE false false false false false false false false false false false false false false false false false false false false false false false false false false 0 false false 0 false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true false true d970125ec0a801ac0018b1b05996a59f true false New ISA for Julia MAX_CONTRIBUTION true WITHDRAWAL_LIMITS d9701262c0a801ac0001662b3684c3b3 1.0 true false false UK false 0 4.5.29 (r31493) d97472aec0a801ac004620c9be06fa55 1519771742894 UK 51