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MB WEALTHMANAGEMENT GROUPHelping You Plan with PurposeFinancial Plan Meeting:Sample Client

• Review key components of Financial Plan• Discuss potential options and modeled scenarios• QuestionsMeeting Goals:Financial Plan ReviewKey Objectives:

The Retirement ProcessStay on track towards your long-term goals

LongevityExpenses and inflationSources of incomeTiming of withdrawalsStrategic asset allocation RETIREMENT BASICS:KEY CONSIDERATIONS FOR YOUR PLAN

Income Sources | Lifestyle Choices | Tax PlanningPlan AheadRetire ConfidentlyOur Process

Sample Client Financial PlanKey Details & Observations

• Base scenario assumes 0% of leftover funds is saved (every dollar is spent)• Includes Social Security (0% growth rate)• Expected Annual Rate of Return for Investments: 4.5%• Expected Annual Growth Rate for Real Estate: 3%• Assumed inflation: 2.63%• Assumed education inflation rate: 5.5%• No significant increase in income or expenses until retirement besides inflation• Current Annual Living Expenses: $80,000 • Current Liability Expenses: $20,000• Current Annual Property Taxes: $25,000• Married filing Jointly tax treatmentYour Financial PlanKey Assumptions

Your Financial Overview:$917,916 (+$198k)NET WORTH:POSSIBLE FUNDS REMAINING:2052/2053ESTIMATED YEAR OF RETIREMENT:PROBABILITY OF “SUCCESS”:$7,234,08999%

Your Net Worth:Spouse 1 Spouse 2Spouse 1Spouse 1Spouse 2Spouse 2Spouse 1Spouse 2JointJoint

Your Net Worth (page 2):JointSpouse 1 Spouse 2Child 1Child 2Child 3JointJointJoint

Sample Client EDUCATION FUNDING OVERVIEW:Projected Funding (by child):Child 1’s Funding path for a 4-year Degree from Private UniversityChild 1 – (Private University)

Sample Client EDUCATION FUNDING OVERVIEW:Projected Funding (by child):Child 2 – (Private University)Child 2’s Funding path for a 4-year Degree from Private University

Sample Client EDUCATION FUNDING OVERVIEW:Projected Funding (by child):Child 3 – (Private University)Child 3’s Funding path for a 4-year Degree from Private University

Sample Client EDUCATION FUNDING OVERVIEW:Projected Shortfall (by child):Shortfall by SchoolPrivate UniversityPublicIn StatePublicOut of StateChild #1$ (325,774)$ 37,215 $ (86,331)Child #2$ (456,182) $ (16,525) $ (185,715)Child #3$ (561,472) $ (59,978) $ (254,472)*assumes annual contribution of $7k/each 529

-Models all assumptions outlined at the start of this deck-Models all three children going to Private UniversityBase Case

Spouse #1 increases salary to $200k/annually• Funds go directly to 529 accounts ($9k/each)• Monte Carlo: 99% successScenario #1

Spouse #2 gets $50k bonus in 2025 • $50k gets allocated to Joint Brokerage Acct• Monte Carlo: 99% successScenario #2

KEY FINANCIAL CONSIDERATIONSContinuing to save/fund 529 accounts01Investing excess cash savings for retirement02Explore expense plans for retirement years03

Thank you!

Contact The MB Group36 South Franklin Street, Chagrin Falls, OH 44022MAIN OFFICE ADDRESS440.589.4902PHONE NUMBERHello@MBWealthManagementGroup.comEMAIL ADDRESSwww.MBWealthManagementGroup.comWEBSITE