CASE STUDY

Curt and Connie Conversion

February 3, 2021

Let’s go further together in 2021.

 INTRODUCTION
Introduction

Dear Curt & Connie,

It’s been a pleasure working with you to create your financial analysis. The analysis was built to help you
answer the following questions:

Will you have sufficient funds to last through retirement?

How will it affect your family if you pass away prematurely?
How will it affect your family if you enter a nursing facility or need long term care?

C O N T A C TInformation
Contact INFORMATION

Current residence: 111 Riverside Drive, Rightsway, PA, 19104

Current telephone number: 878-682-5859.
Curt’s email: george@msn.com
Connie’s email: sarah@yahoo.com

d at e s of
Dates ofBirth
b irt h

Curt was born on March 31, 1963 and Connie was born on May 31, 1963.

OT HE R Information
Other INFORMATION

You currently have a will and it was last updated on December 30, 1999.

You currently do not have a trust.

F U T U R EGoals
Future GOALS

We discussed the following future goals during our data gathering appointment:

1. Education
2. Possibly Retire Early

The information provided by these projections and calculators is for illustrative purposes only. Estimates included are based on information supplied
by the client such asestimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, and federal and state
income tax rates. Current federal income taxtables are used in certain calculations. All of these are subject to change and will have an effect on the
long
The range outcome
information providedshown
by theseinprojections
the analysis. Any interest
and calculators is forrates arehypothetical
illustrative purposes only. and are not
Estimates meantare
included tobased
represent any specific
on information investment.
supplied Thomas
by the client such as Gold
Solutions,
estimated LLCSecurity
Social has done the pension
benefits, due-diligence
benefits, to maintainof the
projections cost accuracy of the inflation
of living increases, informationrates, andcalculations, butincome
and federal and state the assumptions do federal
tax rates. Current not encompass
income tax all
tables are used in certain calculations. All of these are subject to change and will have an effect on the long range outcome
situations. Thomas Gold Solutions, LLC does not make any guarantees on the outcome of any recommendations madebased upon the above information.shown in the analysis. Any interest rates are
hypothetical and are not meant to represent any specific investment. Thomas Gold Solutions, LLC has done the due-diligence to maintain the accuracy of the information and
The projections
calculations, but the or other information
assumptions generated
do not encompass by thisThomas
all situations. report Goldregarding the
Solutions, likelihood
LLC does not makeof various investment
any guarantees on theoutcomes
outcome ofare any hypothetical
recommendations innature,
made
do not
based reflect
upon actual
the above investment
information. Theresults, and or
projections are notinformation
other guaranteesgeneratedof futurebyresults.
this report regarding the likelihood of various investment outcomes are hypothetical in
nature, do not reflect actual investment results, and are not guarantees of future results.
2
Current Scenario Projection Date: January 2021 2

Let’s go further together in 2021.

 E M P LOY M E N T &
Employment & SSalary
A L A RYInformation
INFORMATION

Curt is currently employed with Colgate/Palmolive and earns a gross monthly salary of $5,500 and Connie is
currently employed with Target and earns a gross monthly salary of $4,200 .

P R OJ E C T EDRetirement
Projected R E T I R E M E N Date
T DATE

Curt is projected to retire on January 1, 2031 and Connie is projected to retire on January 1, 2031 .

S O C I A LSecurity
Social SE C U R I TInformation
Y INFORMATION

Curt will use a Primary Benefit Strategy and will begin Social Security benefits in the amount of $2,187 per
month at age 68, we are projecting a 1.80% cost of living increase for life.

Connie will use a Primary Benefit Strategy and will begin Social Security benefits in the amount of $1,240 per
month at age 68, we are projecting a 1.80% cost of living increase for life.

The information provided by these projections and calculators is for illustrative purposes only. Estimates included are based on information supplied
by the client such asestimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, and federal and state
income tax rates. Current federal income taxtables are used in certain calculations. All of these are subject to change and will have an effect on the
long
The range outcome
information providedshown
by theseinprojections
the analysis. Any interest
and calculators is forrates arehypothetical
illustrative purposes only. and are not
Estimates meantare
included tobased
represent any specific
on information investment.
supplied Thomas
by the client such as Gold
Solutions,
estimated LLCSecurity
Social has done the pension
benefits, due-diligence
benefits, to maintainof the
projections cost accuracy of the inflation
of living increases, informationrates, andcalculations, butincome
and federal and state the assumptions do federal
tax rates. Current not encompass
income tax all
tables are used in certain calculations. All of these are subject to change and will have an effect on the long range outcome
situations. Thomas Gold Solutions, LLC does not make any guarantees on the outcome of any recommendations madebased upon the above information.shown in the analysis. Any interest rates are
hypothetical and are not meant to represent any specific investment. Thomas Gold Solutions, LLC has done the due-diligence to maintain the accuracy of the information and
The projections
calculations, but the or other information
assumptions generated
do not encompass by thisThomas
all situations. report Goldregarding the
Solutions, likelihood
LLC does not makeof various investment
any guarantees on theoutcomes
outcome ofare any hypothetical
recommendations innature,
made
do not
based reflect
upon actual
the above investment
information. Theresults, and or
projections are notinformation
other guaranteesgeneratedof futurebyresults.
this report regarding the likelihood of various investment outcomes are hypothetical in
nature, do not reflect actual investment results, and are not guarantees of future results.
3
Current Scenario Projection Date: January 2021 3

Let’s go further together in 2021.

 R E T I R E M E N T Asset
Retirement A SSE TInformation
INFORMATION

Below is the total value of all accounts that you have set aside for retirement along with any contributions you
are making to help build these accounts.

Monthly
MONTHLY
# OWNER
Owner COMPANY
Company TAX
TaxCLASSIFICATION
Classification INVESTMENT
Investment VEHICLE
Vehicle RISK
Risk TYPE
Type VALUE
Value CONTRIBUTIONS
Contributions
1 Curt Bank of America 1099 Interest Checking At Risk $65,000 $0
2 Connie TD Bank 1099 Interest Checking At Risk $75,009 $0
3 Curt Vanguard Traditional IRA Mutual Fund Low Risk $70,000 $0
4 Curt American Funds 401(k) Mutual Fund At Risk $247,044 $0
5 Connie Vanguard Mutual Funds Non-Qualified Mutual Fund At Risk $128,527 $0

The current value of your retirement assets is $585,580 and your monthly contributions including employer
matches, total $0.

A C C O U N TClassifications
Account C L A SS I F I C A T I O N S

1099 Interest Assets

1099 INTEREST ASSETS
1099 Interest Assets have interest earned taxed annually. If this interest earned is reinvested or left in the
account, the basis is adjusted higher.

Non-Qualified
NON-QUALIFIED
Non-Qualified Assets are initially created with after tax funds called basis, are not taxed while held and only
the amount above the basis is taxed on withdrawal.

Qualified
QUALIFIED
Qualified Assets provide an initial tax deduction and funds are tax deferred until withdrawal, where each
dollar withdrawn is fully taxable.

Tax Free Assets

TAX FREE ASSETS
Tax Free Assets are created with after tax funds, are not taxed while held or on withdrawal as long as certain
requirements are met.

The information provided by these projections and calculators is for illustrative purposes only. Estimates included are based on information supplied
by the client such asestimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, and federal and state
income tax rates. Current federal income taxtables are used in certain calculations. All of these are subject to change and will have an effect on the
long
The range outcome
information providedshown
by theseinprojections
the analysis. Any interest
and calculators is forrates arehypothetical
illustrative purposes only. and are not
Estimates meantare
included tobased
represent any specific
on information investment.
supplied Thomas
by the client such as Gold
Solutions,
estimated LLCSecurity
Social has done the pension
benefits, due-diligence
benefits, to maintainof the
projections cost accuracy of the inflation
of living increases, informationrates, andcalculations, butincome
and federal and state the assumptions do federal
tax rates. Current not encompass
income tax all
tables are used in certain calculations. All of these are subject to change and will have an effect on the long range outcome
situations. Thomas Gold Solutions, LLC does not make any guarantees on the outcome of any recommendations madebased upon the above information.shown in the analysis. Any interest rates are
hypothetical and are not meant to represent any specific investment. Thomas Gold Solutions, LLC has done the due-diligence to maintain the accuracy of the information and
The projections
calculations, but the or other information
assumptions generated
do not encompass by thisThomas
all situations. report Goldregarding the
Solutions, likelihood
LLC does not makeof various investment
any guarantees on theoutcomes
outcome ofare any hypothetical
recommendations innature,
made
do not
based reflect
upon actual
the above investment
information. Theresults, and or
projections are notinformation
other guaranteesgeneratedof futurebyresults.
this report regarding the likelihood of various investment outcomes are hypothetical in
nature, do not reflect actual investment results, and are not guarantees of future results.
4
Current Scenario Projection Date: January 2021 4

Let’s go further together in 2021.

 A DD I T I O N A LAsset
Additional A SSE T INFORMATION
Information

Assets listed in this section along with their corresponding values will be used to calculate your net worth. It is
important to note that these assets are not projected to be used to draw down when you need income in
retirement. They are strictly used to calculate your current net worth.

# OWNER
Owner DESCRIPTION
Description DETAIL
Detail AMOUNT
Amount
1 Curt Asset Strategies Inc. Gold & Silver $100,000
2 Joint 425 Elm Street Personal Residence $425,000

The current value of your additional assets is $525,000

I N C O M E Benefit
Income BE N E F I T Annuities
A N N U I T I ESAsset
A SSE Information
T INFORMATION

An Income Benefit Annuity option is available through the use of a rider on an annuity which is an add-on to
the basic contract. The income benefit rider can be added to a variable annuity or a fixed indexed annuity if
the base contract allows. The rider can help a client pre-determine the amount of a benefit at a future point in
time. Once the rider is triggered, income can be guaranteed for the remainder of the annuitant's life. Below is
a list of your Income Benefit Annuities.

Tax
TAX Investment
INVESTMENT Payout
PAYOUT Annuity Account
ANNUITY ACCOUNT Benefit
BENEFIT Start
START End
END
# OWNER
Owner COMPANY
Company CLASSIFICATION VEHICLE MODE VALUE AMOUNT DATE DATE
Classification Vehicle Mode Value Amount Date Date
1 Curt Jackson Nat… Non-Qualified Income Benefit Monthly $117,179 $800 01/2030 Life

The current value of your income benefit annuities is $117,179.

The information provided by these projections and calculators is for illustrative purposes only. Estimates included are based on information supplied
by the client such asestimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, and federal and state
income tax rates. Current federal income taxtables are used in certain calculations. All of these are subject to change and will have an effect on the
long
The range outcome
information providedshown
by theseinprojections
the analysis. Any interest
and calculators is forrates arehypothetical
illustrative purposes only. and are not
Estimates meantare
included tobased
represent any specific
on information investment.
supplied Thomas
by the client such as Gold
Solutions,
estimated LLCSecurity
Social has done the pension
benefits, due-diligence
benefits, to maintainof the
projections cost accuracy of the inflation
of living increases, informationrates, andcalculations, butincome
and federal and state the assumptions do federal
tax rates. Current not encompass
income tax all
tables are used in certain calculations. All of these are subject to change and will have an effect on the long range outcome
situations. Thomas Gold Solutions, LLC does not make any guarantees on the outcome of any recommendations madebased upon the above information.shown in the analysis. Any interest rates are
hypothetical and are not meant to represent any specific investment. Thomas Gold Solutions, LLC has done the due-diligence to maintain the accuracy of the information and
The projections
calculations, but the or other information
assumptions generated
do not encompass by thisThomas
all situations. report Goldregarding the
Solutions, likelihood
LLC does not makeof various investment
any guarantees on theoutcomes
outcome ofare any hypothetical
recommendations innature,
made
do not
based reflect
upon actual
the above investment
information. Theresults, and or
projections are notinformation
other guaranteesgeneratedof futurebyresults.
this report regarding the likelihood of various investment outcomes are hypothetical in
nature, do not reflect actual investment results, and are not guarantees of future results.
5
Current Scenario Projection Date: January 2021 5

Let’s go further together in 2021.

 C U R R E N TRisk
Current R I S KLevel
L E V E vs.
L VSSuitable
. S U I T A B Risk
L E R ILevel
SK LEVEL

We’ve analyzed your current portfolio and asset allocation and concluded the following:

Your current portfolio is structured with 26.63% of your funds invested in low risk assets, 73.37% in at risk
assets and 0.00% in emergency funds.

After our discussion and/or you providing us answers to our risk assessment, we've determined that your
desired portfolio should be structured with 25.00% of your funds invested in low risk assets, 75.00% of your
funds invested in at risk assets, and 0.00% of your funds positioned as emergency funds.

P O R T F O L IRisk
Portfolio O RIS K A N A LYS I S
Analysis

Current Allocation
CURRENT ALLOCATION Desired ALLOCATION
DESIRED Allocation

Portfolio Total Portfolio Total

$702,759 $702,759

Low Risk 26.63% Low Risk 25.00%

At Risk 73.37% At Risk 75.00%

Emergency Funds 0.00% Emergency Funds 0.00%

Of the $702,759 currently in retirement assets and income benefit annuities, 25.00% or $175,690 should be
invested in low risk assets, and 75.00% or $527,069 should be invested in at risk assets, where you may lose
principal and 0.00% or $0 should be positioned as emergency funds.

The information provided by these projections and calculators is for illustrative purposes only. Estimates included are based on information supplied
by the client such asestimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, and federal and state
income tax rates. Current federal income taxtables are used in certain calculations. All of these are subject to change and will have an effect on the
long
The range outcome
information providedshown
by theseinprojections
the analysis. Any interest
and calculators is forrates arehypothetical
illustrative purposes only. and are not
Estimates meantare
included tobased
represent any specific
on information investment.
supplied Thomas
by the client such as Gold
Solutions,
estimated LLCSecurity
Social has done the pension
benefits, due-diligence
benefits, to maintainof the
projections cost accuracy of the inflation
of living increases, informationrates, andcalculations, butincome
and federal and state the assumptions do federal
tax rates. Current not encompass
income tax all
tables are used in certain calculations. All of these are subject to change and will have an effect on the long range outcome
situations. Thomas Gold Solutions, LLC does not make any guarantees on the outcome of any recommendations madebased upon the above information.shown in the analysis. Any interest rates are
hypothetical and are not meant to represent any specific investment. Thomas Gold Solutions, LLC has done the due-diligence to maintain the accuracy of the information and
The projections
calculations, but the or other information
assumptions generated
do not encompass by thisThomas
all situations. report Goldregarding the
Solutions, likelihood
LLC does not makeof various investment
any guarantees on theoutcomes
outcome ofare any hypothetical
recommendations innature,
made
do not
based reflect
upon actual
the above investment
information. Theresults, and or
projections are notinformation
other guaranteesgeneratedof futurebyresults.
this report regarding the likelihood of various investment outcomes are hypothetical in
nature, do not reflect actual investment results, and are not guarantees of future results.
6
Current Scenario Projection Date: January 2021 6

Let’s go further together in 2021.

 P R OJ E C T EDRates
Projected R A T ES
ofOReturn
F RETURN

Below are the projected rates of return on your retirement assets that we agreed on in our data gathering
appointment:

A portfolio average rate of return, or growth rate of 2.98% is projected on your retirement funds which may
change, from today up until the first day of retirement. A portfolio average rate of return, or growth rate of
3.11% is projected on your retirement funds which may change, from the first day of retirement throughout
the rest of the analysis.

Minimum Retirement
MINIMUM RE T I R E M E N T FFunds
U N DS

During our appointment we discussed and decided on an amount that you would always like on reserve in
your retirement funds. Your desired minimum retirement fund balance, not including income benefit
annuities, is $100,000.

The information provided by these projections and calculators is for illustrative purposes only. Estimates included are based on information supplied
by the client such asestimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, and federal and state
income tax rates. Current federal income taxtables are used in certain calculations. All of these are subject to change and will have an effect on the
long
The range outcome
information providedshown
by theseinprojections
the analysis. Any interest
and calculators is forrates arehypothetical
illustrative purposes only. and are not
Estimates meantare
included tobased
represent any specific
on information investment.
supplied Thomas
by the client such as Gold
Solutions,
estimated LLCSecurity
Social has done the pension
benefits, due-diligence
benefits, to maintainof the
projections cost accuracy of the inflation
of living increases, informationrates, andcalculations, butincome
and federal and state the assumptions do federal
tax rates. Current not encompass
income tax all
tables are used in certain calculations. All of these are subject to change and will have an effect on the long range outcome
situations. Thomas Gold Solutions, LLC does not make any guarantees on the outcome of any recommendations madebased upon the above information.shown in the analysis. Any interest rates are
hypothetical and are not meant to represent any specific investment. Thomas Gold Solutions, LLC has done the due-diligence to maintain the accuracy of the information and
The projections
calculations, but the or other information
assumptions generated
do not encompass by thisThomas
all situations. report Goldregarding the
Solutions, likelihood
LLC does not makeof various investment
any guarantees on theoutcomes
outcome ofare any hypothetical
recommendations innature,
made
do not
based reflect
upon actual
the above investment
information. Theresults, and or
projections are notinformation
other guaranteesgeneratedof futurebyresults.
this report regarding the likelihood of various investment outcomes are hypothetical in
nature, do not reflect actual investment results, and are not guarantees of future results.
7
Current Scenario Projection Date: January 2021 7

Let’s go further together in 2021.

 M O N T H LY Expenses
Monthly E X P E N SES

Your current monthly expenses are $5,600. We are assuming a weighted average inflation rate of 1.89%.

INFLATION
Inflation

Keeping pace with inflation may help you continue your current lifestyle throughout your retirement years.

Your current monthly expenses are projected to increase by a weighted average inflation rate of 1.89%,
compounded monthly.

Your estimated monthly expenses on January 1, 2031 at retirement, including inflation and expense
adjustments, are projected to be $5,065.

L I A B I L I T I ES
Liabilities

Liabilities listed in this section along with their corresponding values will be used to calculate your current net
worth.

# OWNER
Owner COMPANY
Company DESCRIPTION
Description AMOUNT
Amount
1 Joint Citibank Mortgage $133,559

F U T U R ECash
Future C A SHInflows
I N F LOWor
S O R O U T F LOWS
Outflows

Listed below are any projected monthly cash inflows or outflows affecting your retirement funds:

OWNER
Owner REASON
Reason ADJUSTMENT
Adjustment AMOUNT
Amount START DATE
Start Date END
End DATE
Date
Joint Grandchild's Education Annual Outflow $15,000 9/2032 9/2035
Joint Family Vacation Annual Outflow $13,500 11/2026 11/2026

The information provided by these projections and calculators is for illustrative purposes only. Estimates included are based on information supplied
by the client such asestimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, and federal and state
income tax rates. Current federal income taxtables are used in certain calculations. All of these are subject to change and will have an effect on the
long
The range outcome
information providedshown
by theseinprojections
the analysis. Any interest
and calculators is forrates arehypothetical
illustrative purposes only. and are not
Estimates meantare
included tobased
represent any specific
on information investment.
supplied Thomas
by the client such as Gold
Solutions,
estimated LLCSecurity
Social has done the pension
benefits, due-diligence
benefits, to maintainof the
projections cost accuracy of the inflation
of living increases, informationrates, andcalculations, butincome
and federal and state the assumptions do federal
tax rates. Current not encompass
income tax all
tables are used in certain calculations. All of these are subject to change and will have an effect on the long range outcome
situations. Thomas Gold Solutions, LLC does not make any guarantees on the outcome of any recommendations madebased upon the above information.shown in the analysis. Any interest rates are
hypothetical and are not meant to represent any specific investment. Thomas Gold Solutions, LLC has done the due-diligence to maintain the accuracy of the information and
The projections
calculations, but the or other information
assumptions generated
do not encompass by thisThomas
all situations. report Goldregarding the
Solutions, likelihood
LLC does not makeof various investment
any guarantees on theoutcomes
outcome ofare any hypothetical
recommendations innature,
made
do not
based reflect
upon actual
the above investment
information. Theresults, and or
projections are notinformation
other guaranteesgeneratedof futurebyresults.
this report regarding the likelihood of various investment outcomes are hypothetical in
nature, do not reflect actual investment results, and are not guarantees of future results.
8
Current Scenario Projection Date: January 2021 8

Let’s go further together in 2021.

 How to i d e ntify amount s for R ot h C onv e r s ion

Q U I C K V I E W - F EDE R A L T A X A B L E I N C O M E B R A C K E T S

The information provided by these projections and calculators is for illustrative purposes only. Estimates included are based on information supplied
by the client such asestimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, and federal and state
income tax rates. Current federal income taxtables are used in certain calculations. All of these are subject to change and will have an effect on the
long range outcome shown in the analysis. Any interest rates arehypothetical and are not meant to represent any specific investment. Thomas Gold
Solutions, LLC has done the due-diligence to maintain the accuracy of the information andcalculations, but the assumptions do not encompass all
situations. Thomas Gold Solutions, LLC does not make any guarantees on the outcome of any recommendations madebased upon the above information.
The projections or other information generated by this report regarding the likelihood of various investment outcomes are hypothetical innature,
do not reflect actual investment results, and are not guarantees of future results.
9

Let’s go further together in 2021.

 L I F E T I M E Analysis
Lifetime A N A LYS I SProjections
P R OJ E C T I O N S

YOUR CURRENT
Your LIFETIME
Current ANALYSIS
Lifetime Analysis
Based on the information gathered, your retirement funds are projected to last through 2064.

1. After gathering the facts.

2. Projected Tax $408,029.

YEAR
Year CURT AGE
Curt Age CONNIE
Connie AGE
Age RETIREMENT
Retirement FUNDS
Funds
2061 98 98 $265,796
2062 99 99 $182,456
2063 100 100 $90,918
2064 101 101 $0

RECOMMENDATIONS
RecommendationsTO
to BALANCE YOURLifetime
Balance Your LIFETIMEAnalysis
ANALYSIS
If you incorporate the following suggestions, your retirement funds are projected to last through 2064.

1. With Roth Conversion 5 years $50,000/year.

2. Projected Tax $236,730.
3. All Roth 2049, Age 86.

YEAR
Year CURT AGE
Curt Age CONNIE
Connie AGE
Age RETIREMENT
Retirement FUNDS
Funds
2061 98 98 $410,731
2062 99 99 $358,895
2063 100 100 $301,834
2064 101 101 $239,227

The information provided by these projections and calculators is for illustrative purposes only. Estimates included are based on information supplied
by the client such asestimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, and federal and state
income tax rates. Current federal income taxtables are used in certain calculations. All of these are subject to change and will have an effect on the
long
The range outcome
information providedshown
by theseinprojections
the analysis. Any interest
and calculators is forrates arehypothetical
illustrative purposes only. and are not
Estimates meantare
included tobased
represent any specific
on information investment.
supplied Thomas
by the client such as Gold
Solutions,
estimated LLCSecurity
Social has done the pension
benefits, due-diligence
benefits, to maintainof the
projections cost accuracy of the inflation
of living increases, informationrates, andcalculations, butincome
and federal and state the assumptions do federal
tax rates. Current not encompass
income tax all
tables are used in certain calculations. All of these are subject to change and will have an effect on the long range outcome
situations. Thomas Gold Solutions, LLC does not make any guarantees on the outcome of any recommendations madebased upon the above information.shown in the analysis. Any interest rates are
hypothetical and are not meant to represent any specific investment. Thomas Gold Solutions, LLC has done the due-diligence to maintain the accuracy of the information and
The projections
calculations, but the or other information
assumptions generated
do not encompass by thisThomas
all situations. report Goldregarding the
Solutions, likelihood
LLC does not makeof various investment
any guarantees on theoutcomes
outcome ofare any hypothetical
recommendations innature,
made
do not
based reflect
upon actual
the above investment
information. Theresults, and or
projections are notinformation
other guaranteesgeneratedof futurebyresults.
this report regarding the likelihood of various investment outcomes are hypothetical in
nature, do not reflect actual investment results, and are not guarantees of future results.
10
Current Scenario Projection Date: January 2021 9

Let’s go further together in 2021.

 S I G N A T U R ES
Signatures

I hereby attest that the information gathered to create this analysis has been provided by me and to the best
of my knowledge is accurate. I further understand that the information provided has been used with your
retirement software to create my retirement analysis. I understand fixed-only licensed insurance agents may
not suggest the sale of an insurance product based upon the sale or liquidation of securities products. Proper
registered registrations are required for such recommendations and sales. The financial professional providing
the analysis does not provide tax or legal advice. Prior to making any financial decisions I should obtain tax or
legal advice from a qualified professional.

Client: ____________________________________________________ Date: _____________________

Client: ____________________________________________________ Date: _____________________

Advisor: __________________________________________________ Date: _____________________

The information provided by these projections and calculators is for illustrative purposes only. Estimates included are based on information supplied
by the client such asestimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, and federal and state
income tax rates. Current federal income taxtables are used in certain calculations. All of these are subject to change and will have an effect on the
long
The range outcome
information providedshown
by theseinprojections
the analysis. Any interest
and calculators is forrates arehypothetical
illustrative purposes only. and are not
Estimates meantare
included tobased
represent any specific
on information investment.
supplied Thomas
by the client such as Gold
Solutions,
estimated LLCSecurity
Social has done the pension
benefits, due-diligence
benefits, to maintainof the
projections cost accuracy of the inflation
of living increases, informationrates, andcalculations, butincome
and federal and state the assumptions do federal
tax rates. Current not encompass
income tax all
tables are used in certain calculations. All of these are subject to change and will have an effect on the long range outcome
situations. Thomas Gold Solutions, LLC does not make any guarantees on the outcome of any recommendations madebased upon the above information.shown in the analysis. Any interest rates are
hypothetical and are not meant to represent any specific investment. Thomas Gold Solutions, LLC has done the due-diligence to maintain the accuracy of the information and
The projections
calculations, but the or other information
assumptions generated
do not encompass by thisThomas
all situations. report Goldregarding the
Solutions, likelihood
LLC does not makeof various investment
any guarantees on theoutcomes
outcome ofare any hypothetical
recommendations innature,
made
do not
based reflect
upon actual
the above investment
information. Theresults, and or
projections are notinformation
other guaranteesgeneratedof futurebyresults.
this report regarding the likelihood of various investment outcomes are hypothetical in
nature, do not reflect actual investment results, and are not guarantees of future results.
11
Current Scenario Projection Date: January 2021 10

Let’s go further together in 2021.