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