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{\author Mike  Vitkauskas}{\operator Money Tree Software}{\creatim\yr2009\mo12\dy2\hr13\min11}{\revtim\yr2009\mo12\dy2\hr13\min11}{\printim\yr2009\mo10\dy27\hr15\min25}{\version2}{\edmins0}{\nofpages17}{\nofwords5460}{\nofchars31125}{\nofcharsws36512}
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{\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\s1\ql \li0\ri0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel0\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36 
\ltrch\fcs0 \b\insrsid8681905 Money Tree Release Notes}{\rtlch\fcs1 \ab\af36\afs16 \ltrch\fcs0 \b\fs16\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs28 \ltrch\fcs0 \b\fs28\insrsid8681905 TOTAL Planning System
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36\afs28 \ltrch\fcs0 \b\fs28\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid9259115 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid9259115 Listing of changes made to the TOTAL Planning System: }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 
(For additional details and instructions refer to current \'93What\rquote s New\'94 documents on the \'93Help\'94 menu of TOTAL.)
\par }{\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid9259115 
\par Current Version }{\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid10571522 
\par }\pard\plain \ltrpar\s3\ql \li0\ri0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel2\rin0\lin0\itap0\pararsid8336916 \rtlch\fcs1 \af36\afs28\alang1025 \ltrch\fcs0 \b\f36\fs28\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36 
\ltrch\fcs0 \insrsid5590191 October 2009}{\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \insrsid8336916 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid8336916 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
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\af0\afs20 \ltrch\fcs0 \fs20\insrsid5590191 .}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid13246440 
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\par }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid8336916 Easy Money and Golden Years:
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\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid10779626 eports (E7a, E8a and E11}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid13246440 ) - }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid1397629 Updated}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\fs20\insrsid10779626  to refer to 2009 estate law}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid543026 .}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid8336916 
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\af0\afs20 \ltrch\fcs0 \fs20\insrsid10779626 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid5590191 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid5590191 Estate Report (E4) - Removed ILIT assets from unmarried taxable estate.

\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid8336916 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid8336916 
\par }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid8336916 Easy Money:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid13246440 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\ls14\rin0\lin360\itap0\pararsid543026 {\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \fs20\insrsid13246440 General Report (A2a) - Added new Retirement Summary Report.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid13246440 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Income Tax Report (D3) - Updated footnote to show 0% capital gains rate for 10% and 15% marginal brackets.}{\rtlch\fcs1 
\af0\afs20 \ltrch\fcs0 \fs20\insrsid543026 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid13246440 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid13246440 Appendix - Assets Report (H4) - Changed to allow for a negative basis.}
{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid13246440\charrsid10779626 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid543026 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid8336916 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid8336916 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid8336916 Golden Years:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid1397629 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\ls17\rin0\lin360\itap0\pararsid8336916 {\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \fs20\insrsid1397629 Income Tax Report (D3) - A}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid543026 dded footnote about tax rate on dividends and capital gains.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid8336916 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid543026 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid543026 Income Tax - Updated AMT }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\fs20\insrsid13246440 to not allow negative AMT tax}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid5590191 .}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid543026 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid13246440 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid13246440 Assets Report (C8) - Changed to allow for a negative basis}{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid5590191 .}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid13246440 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid5590191\charrsid1397629 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid5590191\charrsid1397629 
Summary Report (F8a) - Increased size of legend }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid8336916 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid1397629 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid1397629\charrsid1397629 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid8336916 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid8336916 Strategic Solutions:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid543026 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\ls20\rin0\lin360\itap0\pararsid8336916 {\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \fs20\insrsid543026 72(t) - Updated the maximum contribution }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid5590191 allowed to a retirement plan to}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid543026  $49,000.}{\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \fs20\insrsid8336916 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid8336916 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid8336916 
\par }\pard\plain \ltrpar\s3\ql \li0\ri0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel2\rin0\lin0\itap0\pararsid10571522 \rtlch\fcs1 \af36\afs28\alang1025 \ltrch\fcs0 \b\f36\fs28\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36 
\ltrch\fcs0 \insrsid7032610 December 2008
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid7032610 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\b\fs20\insrsid7032610\charrsid7032610 TPS General Operation:}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid7032610 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid7032610 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\ls14\rin0\lin360\itap0\pararsid7032610 {\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \fs20\insrsid7032610  2009 Federal Income Tax rates and indexed items updated.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid7032610 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7032610 
\par }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid7032610 Easy Money and Golden Years:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid7032610\charrsid7032610 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\ls14\rin0\lin360\itap0\pararsid7032610 {
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7032610\charrsid7032610 Imp}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7032610 r}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7032610\charrsid7032610 oved }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\fs20\insrsid7893582 formatting of }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7032610\charrsid7032610 Withdrawal Rates graphs and text.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7032610 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid7893582 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7893582 Ad}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid5590191 
ded RMD payments to Withdrawal R}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7893582 ate calculations.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7032610 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid7893582 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7893582 Revised \'93Retirement Plans\'94 so \'93maximum allowable contribution
\'94 for a profit sharing plan will be made only by the Company, with no catch up provision.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid7893582 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Estate report (E4) \endash  added row to show bequests to others than spouse.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid3952723 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid3952723 Estate report (E3) \endash  changed caption from \'93Estate\'94 and \'93
Net Est}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid5853415 a}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid3952723 te\'94 to \'93Net Taxable Estate\'94.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7893582 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid3952723 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid3952723 Estate reports (E5 and E6) \endash 
 revised to show Irrevocable Trust assets more effectively.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid3952723 \loch\af3\dbch\af0\hich\f3 \'b7\tab}All \'93Investment Graphs\'94 updated to end in 2008. Updated text below graph to specify years covered.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid3952723 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\ls14\rin0\lin360\itap0\pararsid8336916 {\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \fs20\insrsid3952723 Revised Retirement Plans to test for earned income in order to show contributions.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid3952723\charrsid8336916 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid7893582 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7893582 
\par }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid7893582 Easy Money:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid3952723 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\ls15\rin0\lin360\itap0\pararsid7893582 {\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \fs20\insrsid3952723 Updated \'93Audit Trail\'94 notes page.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid7893582 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid3952723 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid3952723 Allowed retirement and Roth accounts to accept a negative return.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid1509243 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid1509243 Social Security (G11) \endash 
 new columns added, to show amount of tax on SS benefits and net SS spendable.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid3952723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid14227874 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid14227874 
Corrected Retirement and Education graphs to cover proper number of years.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid1509243 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid14227874 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid14227874 Revised Estate Illustration to include term insurance into ILIT
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid14227874 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Changed formulas on Self Employment income to not allow % of income to fund retirement plans.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid14227874 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid14227874 
\par }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid14227874 Golden Years:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid14227874\charrsid14227874 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\ls17\rin0\lin360\itap0\pararsid14227874 {
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid14227874\charrsid14227874 Increased RMD calculation to cover two additional years.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid14227874 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid14227874 
Added footnote to Net Worth to say that Revocable Trust assets are in the client totals.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid14227874\charrsid14227874 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid14227874 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid14227874 
Revised FICA Formula to eliminate 92.35% factor for incomes over $102,000.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid14227874\charrsid14227874 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid14227874 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid14227874 
Changed formulas on Self Employment income to not allow % of income to fund retirement plans.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid14227874 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Corrected a condition on Asset Transfer Worksheet to avoid creating a negative balance when transfers exceed funds available.}{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid14227874\charrsid14227874 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid5853415 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid14227874 
\par }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \b\fs20\insrsid5853415 Strategic Solutions:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid5853415 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\ls20\rin0\lin360\itap0\pararsid5853415 {\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \fs20\insrsid5853415 Pension Dimensions \endash  revised cash value formulas when using term insurance.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f3\fs20\insrsid5853415 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Graphs \endash  modified a couple graphs to use stacked or combination graphs.
\par }\pard\plain \ltrpar\s3\ql \li0\ri0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel2\rin0\lin0\itap0\pararsid10571522 \rtlch\fcs1 \af36\afs28\alang1025 \ltrch\fcs0 \b\f36\fs28\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36 
\ltrch\fcs0 \insrsid10571522\charrsid10571522 September 2008}{\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \insrsid9259115\charrsid10571522 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid9259115 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid9259115\charrsid1665344 TPS General Operation:}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid9259115 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid11993658 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls9\rin0\lin504\itap0\pararsid9259115 {
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid11993658 Social Security Taxable (for Easy Money) \endash  new input option added on the \'93Income\'94, \'93Social Security\'94 tab allowing user to specify what portion of the social securit
y benefit would be taxable (0%, 50%, 85%) as an estimate. This is on Easy Money only, since Golden Years automatically calculates the taxable portion each year.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid11993658 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Risk Level Names \endash  You may now customize the names used for the Asset Allocation report \endash 
 Conservative, Aggressive, etc. }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid733906 With any contact file open, click on \'93Assets\'94, then click on the button near the top of the form labeled \'93Customize Asset Classes\'94. Finally, click on 
\'93Asset Class Allocation\'94 tab and the \'93Edit Risk Level Names\'94 button near the bottom left corner. When you make any change to the names from this level it will change the default names for all current and new contacts.}{\rtlch\fcs1 
\ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid11993658 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid11993658 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Contact Information \'93Advisors\'94 tab now allows you to add or edit advisor types. Click on the \'93Add/Change Advisors\'94
 button at the bottom of the form.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115\charrsid1665344 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115\charrsid1665344 State Tax dropdown text }{
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid11993658 was }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115\charrsid1665344 stuck on \'93AGI\'94 for applying rates. Fixed.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115\charrsid1665344 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Age change table text corrected to show proper ages.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115\charrsid1665344 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Assets \endash  cost basis added to \'93tab\'94 }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid11993658 
direction }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115\charrsid1665344 function when entering data.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 Pension Dimension input \endash 
 revised Cash Value input to allow for term policies.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid10571522 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid10571522 Automatic updates \endash 
 this function has been enhanced to provide more frequent updates of minor changes.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid9259115 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid9259115 Easy Money and Golden Years:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls10\rin0\lin504\itap0\pararsid9259115 {
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 Corrected}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115\charrsid10376150  Net Worth report }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 to include ETFs owned as 
community property.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Revised references to \'93Unified Credit\'94 to \'93Applicable Estate Tax Credit\'94.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Added \'93Withdrawal Rates\'94 }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid10571522 and \'93Withdrawal Rate Graph\'94
 }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 reports.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Revised retirement plans to avoid delay of RMD on IRA accounts when other retirement plans are
 delayed for still working person.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Roth contribution phaseout limits updated for 2008.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Added Charity and Gifts to current estate tax reports (E4).
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Removed Roth values from retirement assets when computing income tax on estate reports.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Residence capital gain exclusion corrected for home sale with head of house}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\fs20\insrsid11993658 h}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 old.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Spouse early Social Security benefit corrected.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid9259115 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115\charrsid10376150 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid9259115 Golden Years:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls11\rin0\lin504\itap0\pararsid9259115 {
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 Qualified plan addition \'93maximum\'94 function }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid10571522 was }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 
continuing past retirement if earned income exists.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Social Security taxable column labels changed to 50% method and 85% method.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Estate Taxes With Trust \endash  was adding assets outside of estate instead of subtracting.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Roth contributions added to Assumptions page A2.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Corrected Social Security for client when spouse has manually entered benefit.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Personal expense detail (A9) and Assumptions (A4a) \endash  added monthly and annual columns.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid9259115 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115\charrsid3806644 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid9259115 Easy Money:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls12\rin0\lin504\itap0\pararsid9259115 {
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 Cash Flow }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid10571522 (current) report changed to include}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 
 dividend and capital gains from Equity report unless \'93override\'94 }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid10571522 f}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 or Schedule D is entered.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Estate reports \endash  revised handling of ILIT and Retirement Plans in a CST.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Revised Life Insurance graph to reflect children needs for single parent.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Added a footnote to Retirement Needs Analysis (C3) \'93This number is calculated 
using the most conservative of two separate formulas.\'94
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Added \'93Reinvestment of Interest, Dividends and Capital Gains\'94 to Cash Flow (A15)
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Changed tax rate on Other Income report to Effective from Marginal rate.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Added not}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid10571522 e}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\fs20\insrsid9259115  to the \'93Funding Example\'94 at the bottom of the page that the example does not use actual case numbers.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Pensions (C3) corrected to include Net Present Value of second pension.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid9259115 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid9259115\charrsid15217146 Strategic Solutions}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid9259115 :
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid9259115 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls13\rin0\lin504\itap0\pararsid9259115 {
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 Pension Dimensions \endash  Ages on Lifetime Income graph corrected.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid9259115 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid9259115 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \fs20\insrsid10571522\charrsid15217146 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }\pard\plain \ltrpar\s3\ql \li0\ri0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel2\rin0\lin0\itap0\pararsid9259115 \rtlch\fcs1 \af36\afs28\alang1025 \ltrch\fcs0 \b\f36\fs28\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af36 
\ltrch\fcs0 \insrsid9259115\charrsid9259115 January 2008}{\rtlch\fcs1 \af36 \ltrch\fcs0 \insrsid8681905\charrsid9259115 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \b\fs20\insrsid5911176 
TPS General Operation:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid16531055 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls6\rin0\lin504\itap0\pararsid5911176 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid16531055 Contact List \endash  this selection has been removed from the top line of the contact names to it\rquote s own button above the list. This way the button is always visible.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid2623657 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls6\rin0\lin504\itap0\pararsid2623657 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid2623657 Opening Dialog \endash  When you open TPS a dialog box will remind you that 
the of the change in the Contact List button, and that Setting and Defaults, and Stock Mutual Fund prices have been moved from the bottom of the Contact List to the \'93Tools\'94
 menu selection in the main menu. If you no longer want to see this reminder, click on \'93Do not show this box at startup.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid16531055 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls6\rin0\lin504\itap0\pararsid5911176 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid16531055 Input form Style Sheets \endash  By clicking on the word \'93Style\'94 at the top right corner you may select from several styles with color schemes to find the one that is most pleasing to you.

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid3493419 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid3493419 Account entry \endash  When entering an 
asset that needs to be assigned to a specific account (Fidelity, Schwab, Merrill, etc., an new input \'93pull down\'94 field has been included under \'93Description\'94 on the \'93Asset\'94
 form. This allows you to simply click on the name of the account where the asst is invested, or if the account has not yet been entered, click on \'93Create new account\'94 to establish it on the fly.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid5911176 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5911176 Asset Group/Type linkage \endash  When changing an }{\rtlch\fcs1 
\af36\afs20 \ltrch\fcs0 \fs20\insrsid2623657 \'93A}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5911176 sset group}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid2623657 \'94}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5911176 , the }{
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid2623657 \'93Asset }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5911176 Type}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid2623657 \'94}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5911176 
 will no longer be forced to change with it.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid5911176 \loch\af3\dbch\af0\hich\f3 \'b7\tab}New Asset Type \endash  Exchange Traded Fund (ETF) has been added to the drop down list of Asset Groups.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid16531055 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid16531055 Future Liability \endash 
 It is possible to illustrate a liability that will start at some time in the future. To accomplish this, enter the \'93Original Amount\'94 of the anticipated future loan, \'93Interest Rate\'94 and the \'93Monthly Payment\'94.}{\rtlch\fcs1 \af36\afs20 
\ltrch\fcs0 \fs20\insrsid5911176 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid16531055 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid16531055 Database Location \endash  on the selection under \'93File\'94
 allowing you to change the location of a database the text \'93Local\'94 and \'93Remote\'94 has been eliminated to make the choices more intuitive.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid16531055 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls6\rin0\lin504\itap0\pararsid3493419 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid16531055  }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid2623657 Exporting a client data file \endash  you will now have an option to export the file without the names, Social Secu}{\rtlch\fcs1 
\af36\afs20 \ltrch\fcs0 \fs20\insrsid3493419 ri}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid2623657 ty number and other personal informati}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid3493419 
on. You may now also export a single scenario, instead of a package with all scenarios.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid3493419 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls6\rin0\lin504\itap0\pararsid7282305 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid3493419 Detail Reports \endash  }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid7282305 Renamed \'93Express Reports\'94 - }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid3493419 
When creating a detail report (from the input form, top right button), the report will now include both the Individual1 and Individual 2 names.}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid7282305  Express report \'93Expenses\'94
 has existing educational fund deposits included.}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid3493419 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid6439893 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls6\rin0\lin504\itap0\pararsid3493419 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid6439893 Dependent children \endash  checkbox renamed from \'93Deduct education expenses from retirement funds\'94 is changed to \'93Deduct education expenses from savings/investment.\'94}{\rtlch\fcs1 
\af36\afs20 \ltrch\fcs0 \fs20\insrsid3493419 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid6439893 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid6439893 Strategic Solutions \endash 
 the list of reports has been collapsed to save space on the Contact List. To open the list, click on the [+] sign. If you click on the words \'93Strategic Solutions, a brief summary of each report will be displayed.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid6820798 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid6820798 Asset Input \endash  when checking the \'93Check if used for retirement
\'94 box at the bottom of the form, if the box is unchecked, a memo will appear reminding the user that the asset will only appear in the Net Worth report.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid6820798 \loch\af3\dbch\af0\hich\f3 \'b7\tab}Audit Trail \endash  the check box to allow/ignore the audit trail on the reports has been moved to the \'93Assumptions\'94, \'93
Report Options\'94 tab.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid6820798 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls6\rin0\lin504\itap0\pararsid10765993 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid6820798 \'93Copy Database\'94, formerly found on \'93Settings\'94, \'93Dialogs\'94, has been renamed to \'93Backup}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid10765993  Database\'94
 and is now found under the main \'93File\'94 menu.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid5382612 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5382612 Other Income \endash 
 a reminder has been added to this form indicating that income entered here is assumed to be available for investment. If you have income that will be spent rather than invested, you may enter an offsetting entry as an \'93Other Expense\'94 to net it out.

\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid5911176 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid16531055 
\par 
\par }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \b\fs20\insrsid16531055\charrsid16531055 Easy Money and Golden Years
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid16531055 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls6\rin0\lin504\itap0\pararsid16531055 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid16531055 Logo on Cover Page}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \b\fs20\insrsid16531055  \endash  }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid16531055\charrsid5911176 A new function allows you to }{
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid16531055 
insert your company logo to be printed on the cover page of the reports. The logo will Not appear on the monitor, but will be printed with the PDF or hard copy of the reports. For instruction on how to accomplish this refer to the \'93What\rquote s New?
\'94 document}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid10765993  from the \'93Help\'94 menu.}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid16531055 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid10765993 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid10765993 Stock Options \'93bargain element\'94 added to the \'93Detail Reports
\'94 Net Worth statement.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid10765993 \loch\af3\dbch\af0\hich\f3 \'b7\tab}New \'93Advisors Detail\'94 report added to both Easy Money and Golden Years to show the advisors en}{\rtlch\fcs1 \af36\afs20 
\ltrch\fcs0 \fs20\insrsid5382612 t}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid10765993 ered for the client (CPA, Ins., etc.)
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid5382612 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5382612 Cash Flow report revised to show two columns, on}{\rtlch\fcs1 
\af36\afs20 \ltrch\fcs0 \fs20\insrsid7282305 e}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5382612  for total }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid7282305 average per }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5382612 
month, and the other for total annual.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid5911176 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5911176 
\par }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \b\fs20\insrsid10765993 Easy Money
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid10765993 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls8\rin0\lin504\itap0\pararsid5382612 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid10765993 The top graph on the Retirement Capital Graph report has been changed from two stacked bars 
to an area chart illustrating the inflated expenses, combined with a line showing the non-inflated expenses.}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \b\fs20\insrsid10765993 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid5911176 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \b\fs20\insrsid10765993 
\par Golden Years
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid10765993 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls7\rin0\lin504\itap0\pararsid10765993 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid10765993 The \'93Personal Statistics\'94 report as used in Easy Money h}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5382612 a}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid10765993 
s been added to the Golden Years report list.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \f3\fs20\insrsid5382612 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\ql \fi-504\li504\ri0\nowidctlpar\jclisttab\tx360\wrapdefault\faauto\ls7\rin0\lin504\itap0\pararsid8681905 {
\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5382612 New report set \endash  \'93Simplified Report\'94 containing only 34 reports. This is a quick way to get a minimal report set similar to the contents of Silver Financial Planner.}{\rtlch\fcs1 
\af36\afs20 \ltrch\fcs0 \fs20\insrsid5382612\charrsid10765993 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0\pararsid5911176 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \b\fs20\insrsid10765993\charrsid10765993 
\par }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid5911176\charrsid5911176 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36 \ltrch\fcs0 \b\ul\insrsid5911176\charrsid5911176 Version 2.5.111
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS General Operation:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Creation of Task Wizard to replace Additional Import/Export Wizard.  Also import functionality has been added for:
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\tx1440\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Act! 2007
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Act4Advisors 3.0
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab dbCAMs+ 5.0}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab Junxure-i 6.0}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Schwab PortfolioCenter 4.30
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Schwab PortfolioCenter Relationship Manager (PCRM) 4.6
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab Importing and Exporting of Comma Separated (*.csv) and Tab Delimited (*.txt) text files.}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs16 \ltrch\fcs0 \b\fs16\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Modification for the location of the Credit Shelter Trust adjustment in Estate Options report.
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction in Unified Credit for Estat
e Options Single report.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Formatting modification for the Retirement Capital Estimate (C6) and Total Asset Accounts (C8a).
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Correction to no longer include other income items prior to retirement in the NPV calculation for the Retirement Needs Analysis.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Other Tax itemized deduction not showing up under the proper column on the Itemized Deduction report (D10).
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Correction in calculation of administration costs in Estate Single report (E4a)
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\ul\insrsid8681905 Version 2.5.90}{\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905  }{\rtlch\fcs1 \af36\afs16 \ltrch\fcs0 \fs16\insrsid8681905 (3/6/2007)
\par 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS General Operation:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Data Import from dbCAMS added to Additional Import/Export Wizard.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs16 \ltrch\fcs0 \b\fs16\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Capital gain treatment of AMT corrected if other income does not exceed the exemption amount.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Tax Free and Tax Deferre
d assets had monthly compounding on prior year balance instead of annual compounding as in other reports.
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Added Roth IRA contribution limits.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
AMT preference item income entered manually was not being picked up in the first year.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs22 \ltrch\fcs0 \b\fs22\ul\insrsid8681905 Version 2.5.66 }{\rtlch\fcs1 \af36\afs18 \ltrch\fcs0 \fs18\insrsid8681905 (1/16/07)
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS General Operation:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
General speed improvements, including movement into some input forms and generation of reports.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 2007 Income Tax values updated: 

\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\tx1440\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
All income tax rate breakpoints have been installed.
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Indexed levels for standard deductions (S=$5,350, J=$10,700, H=$7,850)
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Personal exemptions ($3,400)
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 FICA wage maximum level ($97,500)
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 The AMT exclusion level has been revised back to the 2005 level ($40,250 / $58,000)
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Phaseout levels for exemptions and itemized deductions have been adjusted, including the reduction on the amount of phaseout required.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 2007 Social Security values updated:

\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\tx1440\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 AIME
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 PIA
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Earned income reduction
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Maximum family benefit
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Number of resi
dence sales increased to 12 for full calculation of results.
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Ownership of life insurance loans for net worth report adjusted to pick up ILIT, Other and Joint.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Estate administration expenses revised to ignore life insurance proceeds.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Revocable Trust assets included in Estate reports.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Tax calculations corrected on retirement distributions.
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
If all equity accounts used only interest, the pre-retirement rate was including \'bc of the amount for appreciation.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 No-Inflation report was not including additions to equity accounts that were not scheduled to be used for retirement.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Asset detail report was missing appreciation rates on second page.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par 
\par Golden Years:
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\tx288\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Estate Planning reports added to Golden Years (same reports as found in Easy Money).
\par }\pard \ltrpar\ql \fi-288\li288\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin288\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
AMT calculation adjusted to properly pick up \'93Additional Preference Items\'94 from Tax Data form.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Miscellaneous cash flow items included on the Summary report.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Separate Qualified Plans included for computing early distribution tax.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs18 \ltrch\fcs0 \fs18\insrsid8681905 
\par 
\par }{\rtlch\fcs1 \ab\af36\afs22 \ltrch\fcs0 \b\fs22\ul\insrsid8681905 Version 2.5.44 }{\rtlch\fcs1 \af36\afs18 \ltrch\fcs0 \fs18\insrsid8681905 (10/24/06)
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS General Operation:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 .NET framework \endash 
 the TOTAL Planning System application has been rebuilt using the Microsoft .NET framework. A programming tool that allows additional flexibility and programming speed.
\par }\pard \ltrpar\ql \li144\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin144\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Asset Ownership \endash 
 New ownership types have been added:
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\tx1440\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Revocable Trust \endash 
 Individual 1
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Revocable Trust \endash  Individual 2

\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Revocable Trust \endash  Joint
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Life Insurance \endash 
 New Insurance Type \endash  \'93Group Term\'94. This allows the new Estate Planning reports in Easy Money to more accurately reflect policies that may be included in an ILIT.
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Settings/Defaults \endash 
 New items have been added to the \'93Report Settings\'94 section:
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\tx1440\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Audit Trail \endash 
 Show or not show on reports.
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Social Security Number \endash 
 Do not print on reports.
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Scenario name \endash  Do not include on reports.
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Page Titles \endash  Choice of Center or Left justified for:
\par }\pard \ltrpar\ql \fi-360\li2160\ri0\nowidctlpar\tx2160\wrapdefault\faauto\rin0\lin2160\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Cover page
\par }\pard \ltrpar\ql \fi-360\li2160\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin2160\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Divider pages
\par }{\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Report pages
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Stock Options \endash 
 Check box to allow the current bargain element of employee options to be shown on the net worth statements.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 College Cost Estimator \endash 
 On the Dependent form, a button will allow access to a database of over 1,400 college/universities with tuition and living expenses.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Silver Financial Planner \endash  You may now import data from SFP 4.0 directly into TPS.}{\rtlch\fcs1 \ab\af36\afs20 
\ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Liabilities \endash 
 Correction to fix problem that occasionally caused an inability to modify information on the liabilities input section.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li144\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin144\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Asset Details - The default rates of return will be shown on the asset details reports if they are being used.
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Social Security \endash 
 Spousal benefit was not being reduced if it started prior to age 65.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Stock Options \endash 
 Taxes on partial sells of ISO stock options were not being calculated properly, generating too much AMT tax in the year of sale.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Other Income/Expense Detail \endash 
 Calculations for future value were not using 2 decimal points for increate rates.  This only affected the detail report.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Child Tax Credit - Updated Child Tax Credit amount.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 AMT \endash  Correction for calculation of itemized deductions in AMT calculations.  Updated exemption amounts for 2006.

\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Current Year Cash Flow \endash 
 Other Taxes (from the itemized deductions input section) being double counted as an expense.
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Qualified Plan Contributions \endash 
 Removed catch-up provision for Profit Sharing plans.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Scenario Name \endash  If a date is entered some reports show a number rather than a date.
\par }\pard \ltrpar\ql \li144\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin144\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 New Estate Planning Options \endash 
 this new set of reports include side by side results of:
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\tx1440\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Select the ages to calculate estate taxes
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Gifting to chil
dren ($ amount, percent of assets, maximum gift allowable.)
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Gifting to other than heirs ($ amount, % of assets)
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Gifting to charity ($ amount, percent of assets, last to die.)
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 ILIT
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
New Estate Planning Concept report pages:
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\tx1440\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Credit Shelter Trust (CST)
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Qualified Personal Residence Trust (QPRT)

\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Grantor Retained Trust (GRT)
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Family Limited Partnership (FLP)
\par }\pard \ltrpar\ql \fi-360\li1440\ri0\nowidctlpar\tx1440\wrapdefault\faauto\rin0\lin1440\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Wealth Replacement Trust (WRT)

\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Residence Sale \endash 
 Added calculation to account for capital gains tax on residence sales with gains greater than $250,000 for single individuals, $500,000 for married couples.
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Survivor Reports \endash 
 Addition of monthly contributions to assets as an expense.  Correction for if individual 2 was not qualified to receive SS benefits.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Social Security \endash  Correction in benefit calculation if an individual starts drawing early, or late.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Survivor Cash Flow \endash  Changed to not pick up taxes, and to include normal liability payments.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Qualified Plans \endash  RMDs not reduced by the scheduled distribution in the separate qualified plans.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Net Worth \endash  Zero Coupon Bonds were not showing if owned by individual 2.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li144\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin144\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Roth IRAs \endash 
 Correction for single individuals with an IRA which caused some clients to have a problem with the liquidation of assets.
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Passive Losses \endash 
 Removed taxable portion of SS benefits from passive loss calculations.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Tax Summary \endash  Other Tax (from the itemized deduction input section) not being picked up in future years.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 Version 2.0.204 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (3/13/2006)
\par 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS General Operation:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Albridge Solutions \endash 
 Update to correct web link address for Albridge Solutions import function. }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Correction to make sure that residence mortgage is checked as interest deductible.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Corrected an issue where custom report templates would not always save.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Correction for adjustment for Self-Employed Medical Premiums.  These premiums were being treated as a possible Itemized Deduction as well.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Correction to include life insurance benefits on spouse that came in after client life expectancy.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par Version 2.0.195 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (1/24/2006)
\par }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS General Operation:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Secure Online Planning Survey 
\endash  This data gathering tools allows your client to open the form over the Internet, enter data and send it to you in an email. The data can then be imported into the TOTAL Planning System.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Roth 401(k) Added this retirement type to TPS Asset Input form and to Strategic Solutions \'93Qualified Retirement Plan\'94 module.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Revised all report pages with new \'93look and feel\'94. }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 

\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Added life 
insurance cash values to liquidity reports.
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Added other deductible interest to cash flow.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Roth 401(k) \endash 
 Added columns to Roth IRA and Retirement Accounts reports. The client contributions go to the Roth 401(k) column on Roth report. The company matching contributions are added to the regular Retirement Account report in the Roth 401(k) column.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Total Assets and Retirement Plan Summary reports \endash  the \'93Weighted Average\'94
 rate of return columns have been removed, leaving the dollar amount of return. This was done because the column was attempting to do a weighted average of multiple weighted average rates and in certain cases misleading results were displayed.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
New report pages: Total Taxes Paid (D4); Retirement Plan Summary (H6e).
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Dividend tax rate corrected when a negative AGI existed.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 FICA Tax \endash  was understating Self employed tax.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Passive Loss \endash  corrected formula for allowable loss.
\par }\pard \ltrpar\ql \li144\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin144\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Asset Allocation report \endash 
 now picks up life ins. cash value if \'93Include CV in Allocation\'94 box checked.
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Income Tax (single year) revised to properly recognize child tax credit.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Survivor Percentage of other income was being double counted.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Adjustments to taxable income \endash  passive loss carry forward column added.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Strategic Solutions:
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\tx504\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Qualified Retirement Plans \endash 
 Roth 401(k) type was added \endash  compared to traditional 401(k). Revised labels on some reports and graphs to more clearly identify the plan type being illustrated.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-72\li216\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin216\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 72(t) report \endash  added \'93
Other Income after age xx\'94 to assumptions report page. Allowable starting age for RMDs extended past age 70 \'bd (for clients who can use a delayed start age.)}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li144\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin144\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 Version 2.0.162 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (11/23/2005)
\par 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS General Operation:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Corrected issue in liabilities that was preventing some changes from saving.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Modified Easy Money and Golden Years reports to pick up survivor percentage for personal expenses when an individual dies.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Changed color schemes for asset classes 15-21 in asset allocation graph (previously these colors were the same as for asset classes 1-6).
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 New reports added
\par }\pard \ltrpar\ql \fi-360\li1080\ri0\nowidctlpar\tx1080\wrapdefault\faauto\rin0\lin1080\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Income, Survivor, Disability (J8, J9)
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Corrected Education Funding Sources report so that annual additions for children 2-8 would stop after their final year of school.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Corrected {\*\xmlopen\xmlns2{\factoidname 
place}}Monte Carlo{\*\xmlclose} Graph in situations with shortages drawn from retirement accounts when dealing with a single individual.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Correction to make separate qualified plans pick up the assumptions rate of return if set to 0 (rather than the weighted return on other retirement plans).
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par Version 2.0.153 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (11/1/2005)
\par 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS General Operation:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 \'93Import/Export Contact\'94
 selections added back to [File] menu.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
New [Additional Import/Export Wizards] selection added to [File] menu. (Previously named \'93Run Task\'94.)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 \'93Run Task\'94 button on Contact and Asset input form renamed to \'93Import/Export\'94 Wizards\'94
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Default Disclaimer added to print with all reports. }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Table of Contents be created for each report in all modules by checking the \'93Include Table of Contents\'94
 box in the Print Selections form.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Various reports in each module 
\endash  text revised or added to comply with NASD requirements. 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 New reports added
\par }\pard \ltrpar\ql \fi-360\li1080\ri0\nowidctlpar\tx1080\wrapdefault\faauto\rin0\lin1080\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Golden Years section divider pages:

\par }\pard \ltrpar\ql \fi-360\li1800\ri0\nowidctlpar\tx1800\wrapdefault\faauto\rin0\lin1800\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Introduction
\par }\pard \ltrpar\ql \fi-360\li1800\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1800\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Cash Flow
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Assets
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Income Tax
\par }\pard \ltrpar\ql \fi-360\li1080\ri0\nowidctlpar\tx1080\wrapdefault\faauto\rin0\lin1080\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Copied from Easy Money:
\par }\pard \ltrpar\ql \fi-360\li1800\ri0\nowidctlpar\tx1800\wrapdefault\faauto\rin0\lin1800\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Saving for College (B14b)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Total Assets (C3a)
\par }\pard \ltrpar\ql \fi-360\li1800\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1800\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Asset Allocation (C16)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Asset Allocation Graph (C17)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Allocation Worksheet (C18)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Risk (c19)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Liquidity Graph (C29)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Liquidity (C21)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Income Tax Planning (test) (D1a)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Standard Deviation (E5a)
\par }\pard \ltrpar\ql \fi-72\li72\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin72\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Changes and Corrections:
\par }\pard \ltrpar\ql \fi-360\li1080\ri0\nowidctlpar\tx1080\wrapdefault\faauto\rin0\lin1080\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Interest on Non-Mortgage loans with 
\'93Deductible Interest\'94 checked was not being picked up for taxes.
\par }\pard \ltrpar\ql \fi-360\li1080\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1080\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Separate Qualified Plan #4 was picking up % of salary number from plan #3.
\par }{\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 RMD age for Joint Life changed to use 12/31 age.
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin720\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-360\li1080\ri0\nowidctlpar\tx1080\wrapdefault\faauto\rin0\lin1080\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Section Divider Pages:
\par }\pard \ltrpar\ql \fi-360\li1800\ri0\nowidctlpar\tx1800\wrapdefault\faauto\rin0\lin1800\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 General
\par }\pard \ltrpar\ql \fi-360\li1800\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1800\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Investment
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Retirement
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Income Tax
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Estate
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Insurance
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Appendix}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li1080\ri0\nowidctlpar\tx1080\wrapdefault\faauto\rin0\lin1080\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 New reports added:}{\rtlch\fcs1 
\ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li1800\ri0\nowidctlpar\tx1800\wrapdefault\faauto\rin0\lin1800\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Education Funding Sources (A23)

\par }\pard \ltrpar\ql \fi-360\li1800\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1800\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Retirement Capital Notes (C4a)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Standard Deviation (C11)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Survivor {\*\xmlopen\xmlns2{\factoidname City}}{\*\xmlopen\xmlns2{\factoidname place}}{\*\xmlopen\xmlns2{\factoidname City}}
Cash Flow{\*\xmlclose} {\*\xmlopen\xmlns2{\factoidname State}}Ind{\*\xmlclose}{\*\xmlclose}{\*\xmlclose} 1 (F3a)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Survivor {\*\xmlopen\xmlns2{\factoidname City}}{\*\xmlopen\xmlns2{\factoidname place}}{\*\xmlopen\xmlns2{\factoidname City}}
Cash Flow{\*\xmlclose} {\*\xmlopen\xmlns2{\factoidname State}}Ind{\*\xmlclose}{\*\xmlclose}{\*\xmlclose} 2 (F5a)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Loans \endash  {\*\xmlopen\xmlns2{\factoidname City}}{\*\xmlopen\xmlns2{\factoidname place}}{\*\xmlopen\xmlns2{\factoidname 
City}}Survivor{\*\xmlclose} {\*\xmlopen\xmlns2{\factoidname State}}Ind{\*\xmlclose}{\*\xmlclose}{\*\xmlclose} 1 (K6)
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Loans \endash  {\*\xmlopen\xmlns2{\factoidname City}}{\*\xmlopen\xmlns2{\factoidname place}}{\*\xmlopen\xmlns2{\factoidname 
City}}Survivor{\*\xmlclose} {\*\xmlopen\xmlns2{\factoidname State}}Ind{\*\xmlclose}{\*\xmlclose}{\*\xmlclose} 2 (K7)
\par }\pard \ltrpar\ql \fi-360\li1080\ri0\nowidctlpar\tx1080\wrapdefault\faauto\rin0\lin1080\itap0 {\rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\insrsid8681905 o\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Changes and corrections:
\par }\pard \ltrpar\ql \fi-360\li1800\ri0\nowidctlpar\tx1800\wrapdefault\faauto\rin0\lin1800\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Highest tax bracket for single was being ignored for large earners.
\par }{\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Interest on Non-Mortgage loans with \'93Deductible Interest\'94 checked was not being picked up for taxes.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 In some cases \'93Other Tax/Credit was being counted twice in Cash Flow.
\par }\pard \ltrpar\ql \fi-360\li1800\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin1800\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Survivor Graphs \endash 
 color changed from Red to Green on capital value, yellow on capital needed.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 In some cases exemptions was being phased out on the tax report too soon.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par 
\par }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 Version 2.0.146 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (9/22/05)
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par TPS general operation:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Creation of Task Wizard to handle all import and export functionality.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Correction for SS benefits starting prior to age 62 in some situations.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction for calculation of end of year balance on retirement capital estimate if client lives more than 52 years.}{
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Pension was not dropping to survivor benefit level at death of owner.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Addition of Early Distribution Penalty to Tax-Deferred Annuities.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction in Asset Summary to account for separate Qplans.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 

\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction for Roth Withdrawals.}{
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Addition of Survivor Cash Flow Reports (F3a, F5a).}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Addition of Survivor Loans Reports (K6, K6a, K7, K7a).}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction for {\*\xmlopen\xmlns2{\factoidname City}}{\*\xmlopen\xmlns2{\factoidname place}}Monte Carlo{\*\xmlclose}
{\*\xmlclose} if only using qualified assets.  }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Separate QPlans were not changing to post retirement rates if box was checked.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Addition of inflated cost column 
on Other Income/Expense Detail report.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Cover pages for individual report sections.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Allow company contributions past age 70 if working.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Revised text and reports regarding standard deviation and {\*\xmlopen\xmlns2{\factoidname City}}
{\*\xmlopen\xmlns2{\factoidname place}}Monte Carlo{\*\xmlclose}{\*\xmlclose} for NASD approval.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Net Worth Bank Style not using the net worth override date.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 

\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 Version 2.0.130 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (7/5/05)
\par 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS general operation:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Ability to delay Social Security benefits.  This can be done by entering 1 for the Tax$ and CF$, and then entering the desired amount, or 0 (for a calculated amount) at the desired age.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 

\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Redesigned Other Income/Expense Detail
 report.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Addition of Scheduled Withdrawal column on Retirement Capital Estimate.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction on taxation of scheduled withdrawals from tax-deferred account.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Manually entered Social Security values show at the top SS report.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 Version 2.0.117 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (6/10/05)
\par 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS general operation:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Ability to import from Albridge Solutions.
}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Ability to import from, and export to Outlook.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Ability to import a Silver Financial Planner File.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Ability to export data to LaserApp.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par Easy Money, Golden Years, and Strategic Solutions:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Social Security wage base increased from $87,900 to $90,000.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 Version 2.0.107 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (5/26/05)
\par }{\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS general operation:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Correction in Assets window (data not saving in some situations).}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Easy Money and Golden Years will now switch RMD schedules upon death.  When one individual dies the program will use the surviving individual\rquote 
s RMD schedule for those distributions, and will start using the Single Life Table (instead of Joint, or Uniform Life tables).}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
If RMD is greater than scheduled distribution from a retirement plan, the difference was being treated as a scheduled distribution as well.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 $10,000,000 in liability detail corrected.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Shortages taken from Tax-Deferred accounts created added expense.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\ul\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Change in calculation of return in 
{\*\xmlopen\xmlns2{\factoidname City}}{\*\xmlopen\xmlns2{\factoidname place}}Monte Carlo{\*\xmlclose}{\*\xmlclose} to make it more similar to Easy Money.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par Version 2.0.94 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (5/09/05)
\par }{\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS general operation:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Ability to import Company Documents (Disclaimers, Action Plans).  See What\rquote s New for more details.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Ability to choose not to display the NASD disclaimer at the bottom of the page.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction to 
{\*\xmlopen\xmlns2{\factoidname City}}{\*\xmlopen\xmlns2{\factoidname place}}Monte Carlo{\*\xmlclose}{\*\xmlclose} that caused incorrect results in very specific situations.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Enhancement to
 have Social Security benefits take the greater of the manually entered benefits if one individual dies (this previously only worked with calculated values).}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction to display Stock Options Reports even if there is no sell date on options with Hold All specified.}{\rtlch\fcs1 
\ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 {\*\xmlopen\xmlns2{\factoidname City}}{\*\xmlopen\xmlns2{\factoidname place}}Monte Carlo{\*\xmlclose}{\*\xmlclose}
 enhanced to show individual 1\rquote s name on reports.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Corrections for typos and invalid Audit Trail notes.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 ROTH contributions not showing on Current Year Cash Flow report.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 New mortgage not set-up with residence sale, if no mortgage currently entered.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Enhancement to show Required Minimum Distributions regardless of cash flow shortage. }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Capital Gains Tax too low for AMT reports if taxable income is very low but Capital Gains are high.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 {\*\xmlopen\xmlns2{\factoidname City}}
{\*\xmlopen\xmlns2{\factoidname place}}Monte Carlo{\*\xmlclose}{\*\xmlclose} showed original capital estimate as beginning year balance rather than an end of year balance.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction for #N/A and #DIV/0! on current year tax report if tax due is less than $0.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction for Capital Gains worksheet to not include cost basis of assets that are not used for retirement.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Enhanced Survivor Reports for survivor children to include expenses, social security benefits, etc.  Also enhanced to run through age of dependence for the youngest child.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
AMT Tax Calculations too low in specific situations.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Reports ordered incorrectly.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 ROTH Withdrawals not stopping when money runs out.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Disability reports were not picking up the Other Income/Expenses (only picks up Financial Goals and Education expenses).

\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Survivor pensions do not continue past the owner\rquote s life expectancy on the survivor needs analysis.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Weighted ROR on the Total Assets report was calculated differently.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction to limit withdrawals from QPlans so that taxe
s will be covered as well (on applies upon final liquidation of the account).
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Correction for inflation adjusted itemized deductions.  They were not inflating when using % of gross income.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 Version 2.0.65 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (3/16/05)
\par }{\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS general operation:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Added Feature \endash 
 You now have the ability to project up to 4 Retirement Plans separately from each individual\rquote s combined retirement plan assets.  Simply check the \'93Project this Retirement Plan separately\'94 box on the assets input section (}{\rtlch\fcs1 
\ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Note:}{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905   This box will only be visible if a retirement plan is selected).
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Correction to allow company additions to retirement plans past age 70 if individual is still working.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Li
fe Insurance detail reports now show individual names for beneficiary (individual 1 or 2 only).}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par Easy Money:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 {\*\xmlopen\xmlns2{\factoidname 
place}}Monte Carlo{\*\xmlclose} success percentages calculated incorrectly if life expectancy was more than 57 years past the current age.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 State tax credits w
ere double counted in specific situations.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Social Security was not showing if scheduled prior to retirement.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Tax-Deferred Interest was showing as a cash flow income item.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 

\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Stock Options income was still showing past life expectancy.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 

\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Asset Accounts r
eport was not showing the extra withdrawal to account for taxes on scheduled distributions from Retirement Plans.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Current Age Other Income/Expense items now included in the Disability report.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Effective Tax now used for Survivor Needs Analysis rather than Marginal Rate.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 {\*\xmlopen\xmlns2{\factoidname place}}Monte Carlo{\*\xmlclose} blue line not reflecting properly in specific situations.}{
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
#N/As appear if box is checked for a pension to be state tax exempt.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Adjustments f
or Alimony and Self-Employed Medical premiums were not inflating properly.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Increase %\rquote s were not applying for scheduled withdrawals.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Strategic Solutions:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Retirement Capital/Monte Carlo 
\endash  Monte Carlo results too high in specific situation.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 RMD/72(t) Analysis \endash 
 Age change entry listed as 199 if no entry made.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 Version 2.0.45 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (2/11/05)
\par 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Known Defect:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Golden Years \endash 
 We have discovered that if a pension is coded as \'93Exempt from State Tax\'94 it can in some cases cause a series of \'93#n/a\'94 errors to show up in many places. We are trying to discover the source \endash 
 but it does not happen in all cases, and as a result we have been unable to find the solution yet. It is still being investigated. In the meantime, if this shows up in your report you will need to avoid using the \'93Exempt\'94
 function until we find the cause.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par TPS general operation:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Data input \endash 
 Fixed an issue in the Stock Options window where in certain cases information was not being correctly saved.  
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 All reports \endash  Various new disc
laimers and footnotes have been added to enhance compliance with NASD regulations.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money and Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Income Tax \endash 
 (Reports D3) Revised AMT calculation formulas to more closely match the IRS method. Corrected a marginal tax rate breakpoint that only affected joint filers in the 28%+ income level.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Correction of typo on the Monte Carlo Details report.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Negative AMT tax showing up if the exercise cost of stock options was greater than $100,000.  Fixed.}{\rtlch\fcs1 
\ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par Easy Money:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Gross Income \endash  (G5) Correct
ed a condition where the pension for indiv. 2 was not included.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Asset Details \endash 
 (A6) Asset owner was not showing up on some reports.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Total Assets \endash  This new report (C8a) shows the total for all assets used for retirement; balances, deposits, withdrawal
s, taxes, earnings, etc. to provide a quick overview.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Incorrect Audit Trail note on report F5.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Survivor Needs Analysis for indiv 1 (F5) incorrectly showing end of year balances (rather than beginning year balances) for retirement account asset levels.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Cash Flow statement did not show withdrawals from assets as income available.}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Rate of Return \endash  (C7 \endash 
 C11) Compounding of annual rate of return formula revised to use the same method as Easy Money. (Prior year balance compounded annually from beginning of year, all additions and withdrawals during the year are compounded monthly.)
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Itemized deduction \endash 
 (D10) Overstatement of Misc. ID corrected.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Misc. Itemized deduction overrepresented when using % of gross income.
\par }{\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Summary report (E1) not representing all income in future value calculations.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Strategic Solutions:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 RMD/72(t) \endash 
 Maximum allowable deduction for Profit Sharing and other increased from $40,000 to $42,000.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af3\afs20 \ltrch\fcs0 \f3\fs20\insrsid8681905 \'b7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Capital Accumulation \endash 
 Deposits entered as monthly corrected to adjust for total annual amount.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\brdrb\brdrs\brdrw15\brsp20 \wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par Version 2.0.37 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (1/19/05)
\par 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 TPS general operation:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Asset input \endash 
 occasionally the asset group name on the first asset would change when a later asset group name was changed.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money, Golden Years, Lump Sum, 72(t)/RMD:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
An error was reported in the tax tables only for married filing jointly when ordinary income reaches the 28% bracket. Corrected.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\brdrb\brdrs\brdrw15\brsp20 \tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
In some cases the retirement accounts were not liquidating the final year interest.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\brdrb\brdrs\brdrw15\brsp20 \wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Asset values on the Survivor Reports were shown as the following years balance instead of the age listed.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\brdrb\brdrs\brdrw15\brsp20 \wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par Version 2.0.34 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (1/12/05)
\par }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard\plain \ltrpar\s2\ql \li0\ri0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel1\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 Easy Money:
\par }\pard\plain \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 
\f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 RMD distributions were overstated in certain scenarios
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\brdrb\brdrs\brdrw15\brsp20 \tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Residence sale incorrectly showing payoff values.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\brdrb\brdrs\brdrw15\brsp20 \wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 \b\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 Version 2.0.24 }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\insrsid8681905 (1/3/05)
\par }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard\plain \ltrpar\s2\ql \li0\ri0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel1\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 Income Tax Index changes
\par }\pard\plain \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 
\f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Marginal tax rate tables}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Standard Deduction }{\rtlch\fcs1 
\ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li720\ri0\nowidctlpar\tx720\wrapdefault\faauto\rin0\lin720\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Single $5,000 / Married $ 10,000}{
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li720\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin720\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905  Additional blind, >65 $1,050}{
\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Exemptions $3,200 (phaseout amount $145,950 / $218,950)}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Itemized deduction phaseout $72,950 / $145,950}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }{\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 OASDI (FICA / SS) payroll maximum $90,000}{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Easy Money/Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Cover page \endash 
 removed comma from zip code.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Asset Detail report \endash 
 by Class (A6) added \'93Yes\'94 if used for retirement.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard\plain \ltrpar\s2\ql \li0\ri0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel1\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 
\b\fs20\insrsid8681905 Easy Money:
\par }\pard\plain \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 
\f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Social Security \endash  Current amount (G11) and starting age were reversed. SS survivor benefits (F4, F6) in some cases was showing for an unmarried spouse. 

\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Estate reports \endash 
 Handling of ILIT on current policies (E3, E4) refined. Estate Single report (E3a) was picking up a \'93phantom\'94 spouse. ILIT box added to (E3a) single flow chart.
\par }{\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Survivor expenses (F6, J3) was missing debt and insurance premiums.
\par }{\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Itemized deductions (G12, G14) was applying the inflation rate to the wrong report.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }{\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 Golden Years:
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\tx360\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Taxable income (D7) corrected inflation rate applied to earned income.
\par }\pard \ltrpar\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin360\itap0 {\rtlch\fcs1 \af10\afs20 \ltrch\fcs0 \f10\fs20\insrsid8681905 \'a7\tab }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Retirement Capital (E3) a new column was added on the left side for \'93Beginning Balance\'94 and the last column on the right was changed to \'93Ending Balance\'94.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\brdrb\brdrs\brdrw15\brsp20 \wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\ul\insrsid8681905 
\par }\pard\plain \ltrpar\s2\ql \li0\ri0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel1\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 
\b\insrsid8681905 Spyware Notice: 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36\afs20 \ltrch\fcs0 \b\fs20\insrsid8681905 M
oney Tree Software Applications Do Not Contain any Spyware. }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 There is a spyware program on the market using the name \'93Money Tree\'94
. If you receive a report that your computer has the Money Tree Spyware program, please recognize that it is not a Money Tree Software product nor is it in any way related to our company.
\par }\pard\plain \ltrpar\s2\ql \li0\ri0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel1\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af36 \ltrch\fcs0 
\b\insrsid8681905 
\par Customer Support:
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \f36\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
Registered users of our products are entitled to unlimited customer support for a full 12 months from purchase of the programs or renewal of their support program. The support lines are open from 8:00 am to 5:00 pm Pacific time.
\par 
\par Mail:\tab Money Tree Software
\par }\pard \ltrpar\ql \fi720\li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 {\*\xmlopen\xmlns2{\factoidname address}}{\*\xmlopen\xmlns2{\factoidname Street}}1600 SW Western Blvd. Suite 110
{\*\xmlclose}{\*\xmlclose}
\par {\*\xmlopen\xmlns2{\factoidname PersonName}}{\*\xmlopen\xmlns2{\factoidname City}}Corvallis{\*\xmlclose}, {\*\xmlopen\xmlns2{\factoidname PersonName}}OR{\*\xmlclose} {\*\xmlopen\xmlns2{\factoidname PersonName}}97333{\*\xmlclose}{\*\xmlclose}
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 
\par Email:\tab {\*\xmlopen\xmlns2{\factoidname PersonName}}support@moneytree.com{\*\xmlclose}
\par Phone:877-421-9815
\par Fax: \tab 541-738-6522
\par MTS User Forum: Go to }{\field{\*\fldinst {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 HYPERLINK "http://www.moneytree.com" }{\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid12911482\charrsid5911176 {\*\datafield 
00d0c9ea79f9bace118c8200aa004ba90b0200000003000000e0c9ea79f9bace118c8200aa004ba90b4c00000068007400740070003a002f002f007700770077002e006d006f006e006500790074007200650065002e0063006f006d002f000000795881f43b1d7f48af2c825dc485276300000000a5ab0000000000000000
00002100}}}{\fldrslt {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\ul\cf2\insrsid8681905 www.moneytree.com}}}\sectd \linex0\sectdefaultcl\sftnbj {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905    
\par }\pard \ltrpar\ql \fi720\li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af36\afs20 \ltrch\fcs0 \fs20\insrsid8681905 Click on \'93Support\'94, then \'93User Forum\'94
\par }}