Important Notice

The reports contained herein, and any subsequent revisions and updates, are provided for discussion purposes only between Blue Trust, Inc. ("Blue Trust") employees and clients.

Financial statements, illustrations and graphs are based upon financial data provided to Blue Trust with the client’s assistance and authorization. Client financial goals are provided by the client and there can be no guarantee that current or future financial and economic conditions will allow for the client goals to be realized. The client is responsible to furnish complete and accurate information to assist in the preparation of these reports and to update Blue Trust with any material changes. If incomplete or discrepant information, or account statements with differing effective dates, are provided by any source, some values may be estimated or excluded in preparing these reports.

This report is not a compilation, review or audit and we express no form of assurance as to accuracy or attainability of projections. It may be incomplete, assume future outcomes, contain estimates, or depart in other ways from generally accepted accounting principles. Its use should be limited to those persons for whom it was prepared and it should not be used to obtain credit or for purposes other than developing a financial plan.

Many portions of this financial plan are projections of possible future values based on a large number of unpredictable variables including economic, financial and market factors. Since these assumptions may, or may not, accurately represent future reality, projections are intended for use as a planning tool to examine possible, but uncertain future outcomes. They are neither a prediction of future circumstances nor a guarantee of actual financial results.

The reports contained herein may contain additional notices and disclaimers, and nothing contained in this notice is intended to limit or modify such additional notices or disclaimers.

The report accompanying this Notice is provided to you as part of your engagement of Blue Trust to provide certain financial planning services to you, all of which services are subject to the terms of the Financial Planning Agreement between you and Blue Trust.

Nothing contained in these reports, in follow up correspondence, or in discussions between Blue Trust and the client should be regarded as a substitute for professional legal or tax advice.

Blue Trust and its employees cannot provide legal or accounting advice. Work with your attorney and accounting professional, as appropriate, for such services.

Trust and investment management accounts and services offered by Blue Trust, Inc. are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, nor guaranteed by any bank or bank affiliate, and are subject to investment risk, including possible loss of the principal amount invested.

Where is Your Finish Line?

Assuming you live until age:
Your current savings deficit to reach your finish line is:
Which means your annual savings until retiring at should be:

What is Your Stopping Point?

"Stopping Point" - The dollar amount at which you become financially independent

"Financial Independence" - Having enough investable assets to maintain your lifestyle for the remainder of your life


Your Current Age is
Your Retirement Age is
Assuming you live until age
Your Annual Savings Rate is
Your Annual Social Security, Pension, or Other Retirement Income is
Annual Inflation is %
Your Compound Annual Rate of Return is %

Then, The Value of Your Investable Assets Would Be:

At Age At Age At Age
Current Portfolio Assets

And, Your Stopping Point is:

If, Your Total
Annual Expenses Are:
At Age At Age At Age