mcpsuite-pro-manual

MCP Suite Professional

USER MANUAL

The MCP Premium Planning Platform

For software version 2011.1Last Manual Update: 2/16/2011

MCP Suite Professional User Manual

2 © Copyright 2007–20011 Torrid Technologies Inc. All rights reserved.

Table of ContentsUSER MANUAL................................................................................................................................................. 1

How to use this Manual ................................................................................................................................... 6

Using the PDF “Search” feature........................................................................................................................ 6

A. How to Install and “Register” the software.................................................................................................. 7

B. Getting Started: Tips & Overview ................................................................................................................ 8

Things to Do First ............................................................................................................................................. 8

Working with Data from Steele Systems, Inc. ............................................................................................... 8

Update Equity Indexed Annuity (‘EIA’) Rates .............................................................................................. 12

Tutorials & “Basic Training”........................................................................................................................ 13

What Does Each Module Do?......................................................................................................................... 14

C. QuickStart Guide: Create a Retirement Plan Portfolio Analysis ................................................................. 16

Part 1: Creating a SIM (Synthetic Investment Model) ..................................................................................... 16

Create an Index Credit Method SIM ........................................................................................................... 18

Create a Fixed Annuity SIM ........................................................................................................................ 21

Create a Fixed Rate SIM ............................................................................................................................. 22

Create a Managed SIM............................................................................................................................... 23

Part 2: Build a Portfolio SIM .......................................................................................................................... 24

Option 1 Add a SIM.................................................................................................................................. 25

Option 2 Add a Steele Expert Item ........................................................................................................... 28

Selecting a Best Fit Index ............................................................................................................................... 29

Option 3 Add a Minuteman™ Portfolio.................................................................................................... 32

Final Step: Run a SimStudy Report ................................................................................................................. 33

D. Retirement Plan Modeling ........................................................................................................................ 33

Financial Modeling with SimStudy™ .............................................................................................................. 34

Purpose of this Module.............................................................................................................................. 34

Wizard: Welcome screen. .......................................................................................................................... 34

Wizard: STEP #1 ......................................................................................................................................... 34

Wizard: STEP #2 ......................................................................................................................................... 35

Wizard: STEP #3 ......................................................................................................................................... 36



Wizard: STEP #4 ......................................................................................................................................... 37

Wizard: STEP #5 ......................................................................................................................................... 37

User Defined Rates for Withdrawals........................................................................................................... 38

Wizard: STEP #6 ......................................................................................................................................... 41

Wizard: STEP #7 ......................................................................................................................................... 41

Wizard: Generate Reports.......................................................................................................................... 42

Create Hypothetical Analysis with HyStudy™ ................................................................................................. 42


Wizard: Welcome Page .............................................................................................................................. 43

Wizard: STEP #1 ......................................................................................................................................... 43

Wizard: STEP #2 ......................................................................................................................................... 44

Wizard: STEP #3 ......................................................................................................................................... 44

Wizard: STEP #4 ......................................................................................................................................... 45

Wizard: STEP #5 ......................................................................................................................................... 45


Wizard: STEP #6 ......................................................................................................................................... 49

Wizard: STEP #7 ......................................................................................................................................... 49


Create Monte Carlo Analysis with MCPlanz™ ................................................................................................. 50



Wizard: STEP #1 ......................................................................................................................................... 51

Wizard: STEP #2 ......................................................................................................................................... 52

Wizard: STEP #3 ......................................................................................................................................... 52

Wizard: STEP #4 ......................................................................................................................................... 53

Wizard: STEP #5 ......................................................................................................................................... 53


Wizard: Step #6.......................................................................................................................................... 56

Wizard: STEP #7 ......................................................................................................................................... 57


Create an Income Plan with ImmStudy™ ........................................................................................................ 58





Wizard: STEP #1 ......................................................................................................................................... 59

Wizard: STEP #2 ......................................................................................................................................... 59

Wizard: STEP #3 ......................................................................................................................................... 60

Wizard: STEP #4 ......................................................................................................................................... 61

Wizard: STEP #5 ......................................................................................................................................... 62

Wizard: STEP #6 ......................................................................................................................................... 62


D. Data Management.................................................................................................................................... 63

Create Manage SIMs...................................................................................................................................... 63

Creating a SIM............................................................................................................................................ 63

Open, Edit, or Delete a SIM ........................................................................................................................ 63

Editing Premium Producers EIA Profiles ..................................................................................................... 65

Manage Data ................................................................................................................................................. 65

User Indexes.................................................................................................................................................. 66

Add Index................................................................................................................................................... 66

Edit Indexes ............................................................................................................................................... 67

Delete Indexes ........................................................................................................................................... 67

Import Data ............................................................................................................................................... 68

SIM Reports ................................................................................................................................................... 68

Mutual Fund MPT Statistics ........................................................................................................................... 69

External Data – Download or Upload ............................................................................................................. 71

Scenario – Index Spans................................................................................................................................... 73

Access this functionality from the Main Form............................................................................................. 74

Access this functionality from within the SimStudy Wizard......................................................................... 75

Steele Index Definitions ................................................................................................................................. 75

Advisor Profile Data for Reports..................................................................................................................... 76

E. Fixed Indexed/Equity Indexed Annuity Analysis ......................................................................................... 78

EIA Credit Method Ratings ............................................................................................................................. 78

1. Ratings Summary Sheet.......................................................................................................................... 78

2. Web EIA Ratings Service....................................................................................................................... 78

3. EIA Comparison Analysis ........................................................................................................................ 79



4. Create an EIA Profile Ratings Report....................................................................................................... 81

EIAnalystLite................................................................................................................................................. 81

Income Planning Suite: EIAnalystLite......................................................................................................... 82

Income Planning Suite: ImmStudyLite ....................................................................................................... 83

F. Minuteman Asset Management ................................................................................................................ 84

Minuteman Asset Management Program....................................................................................................... 84

Minuteman Monitor Program........................................................................................................................ 84

Minuteman Presentation............................................................................................................................... 84

Minuteman Monitor Demo Site ..................................................................................................................... 84

G. Additional Tools........................................................................................................................................ 84

Send an Email to Support............................................................................................................................... 84

Tools.............................................................................................................................................................. 85

Crystal Reports Viewer................................................................................................................................... 88

View PowerPoint Presentations ..................................................................................................................... 88

Document Builder.......................................................................................................................................... 89

Quick Menu ................................................................................................................................................... 89

MCP Communications.................................................................................................................................... 90

H. APPENDIX ................................................................................................................................................ 90

About our Monte Carlo algorithm.................................................................................................................. 90

Additional Resources ..................................................................................................................................... 90



How to use this ManualThis software user manual is designed to give you a strong foundation in using the MCP Suite Professional version softwarefor your retirement plan modeling needs. These tools are at your disposal – once you master them, the possibilities of HOWyou apply them and WHAT you can accomplish is almost unlimited. While we can’t possibly anticipate and outline everypossible use, helping you fully understand the underlying purpose of each tool, each “Module”, is the goal of this Manual.

Be sure to review the table of contents, and note that since this document is in PDF format, it is searchable. This means youcan hunt for key words or phrases to locate what you need. If you aren’t familiar with a PDF search, below are instructions.

Using the PDF “Search” featureWith the document open, click on the “search” icon in the top menu:

A new pane will open to the right of the document. Type in your key words, check any applicable search limits, and click“Search”.

The results will be displayed, and you can click on any reference to be taken right to that page.



A. How to Install and “Register” the softwareMake sure that you have saved your work and closed any unnecessary programs that may be open. You will need to beconnected to the internet: a high speed connection is recommended.

Microsoft Vista users: You must first disable User Account Control (UAC). In Control Panel, open “User Accounts” and thenlocate & uncheck the box next to “User Account Control”. Your computer may need to reboot.

1. Open Internet Explorer for your browser. Go to the web site http://mcppremium.com/downloads.htm

2. Locate MCP Suite Professional. Click “Next >”

3. There will be three files to download. Select the first one by clicking the “Download” link. When prompted, click to“Open” or “Run” the file. After downloaded is complete, installation will begin. Once complete, REPEAT for thesecond and third file download.

4. When everything is complete, you will see a new icon on your desktop that looks like this:

Note: If you do NOT see an icon like this, did you choose to “Save” each download instead of “Run” it? If so, you need toeither find each file and doubleclick it to install, or go back and choose to “Run” each file.

5. Now you will need to doubleclick on the icon. When you do so, you will see this pop up:

6. Type in the email address you provided to MCP Premium when you purchased, and click “View LicenseAgreement”. The License Agreement will pop up for you to read. When done reading it, close it, and check the boxnext to “I Agree”.

7. Click “Register”. The software will now verify your License and if correct, will allow you to enter the program. Alldone!

NOTE: If you encounter any problems with the registration, an error reporting window may pop up, so you can email us toresolve the issue. Some things that may help to try:

a. Doublecheck that you typed your email address correctly

b. Make sure you are connected to the internet

c. Make sure you disable any internet firewall, such as Norton ‘Internet Security’

http://mcppremium.com/downloads.htm



If you need any further assistance with installation or registration, please email [email protected]

B. Getting Started: Tips & Overview

Things to Do First

Working with Data from Steele Systems, Inc.Before you get started with your portfolio creation and analysis, you need to have the data available to do so. If you havesubscribed to the Morningstar data provided through Steele Mutual Fund Expert, we have made it relatively easy to importthe data you need. There are two steps to this process:

1. EXPORT from Steele Mutual Fund Expert2. IMPORT into MCP Suite

Step 1: Exporting Data from Steele Mutual Fund Expert.MCP Premium Planning Platform provides an open architecture for inputting any performance data that the user required.Users can export data Index and Average from Steele Expert. In order to export the index and average data from SteeleExpert follow the steps below:

1. Open Steele Mutual Fund Expert and Filter the database for ‘Indexes and Averages’.

2. Tag All the Indexes and Aver ages > Click Database > Click Tag All Funds

mailto:[email protected]



3. Click Export Tagged Funds >

4. Important! Save Exported Data as AllIndexes.csv > Save. Be sure to save in a location that you can locate easily.



Step 2: Importing Data into MCP Suite.MCP Premium Planning Platform provides an open architecture for inputting any performance data that the user required.Users can import data Index and Average Data into the platform from Steele Expert. In order to import the index andaverage data from Steele Expert follow the steps below:

1. Open User Defined Indexes Click Data Management > ‘User Indexes’

2. Click Import Data > Click Get CSV file



3. Open appropriate file folder (where you saved the “AllIndexes.csv” file exported from Steele Mutual Fund Data) >Select Allindexes.csv > Click Open

4. Click Gather Data > Click ‘Import Data to User Defined Indexes’ button at bottom.



5. After clicking Import Data to User Defined Indexes, the program will read the data for each index. In the event thatan index is not recognized by the program, the process can “Hang Up”. In the event that you notice the programworking without progress, simply make a note of the index name it was trying to create, then close the progressform and delete the index from the AllIndexes.csv file and initiate the process again, starting with the Gather Datastep, above.

Update Equity Indexed Annuity (‘EIA’) Rates



Before you get started with your indexed annuity analysis, you need to update the EIA rate information packaged with thesoftware, by downloading the data from our web server. Our database values are updated weekly to keep up with EIA rate

changes, so you will want to perform this function frequently – at leastonce per month.

1.) Look in the “Quick Menu” (shown at left) for “Update PPG EIAProfiles” and click the link. If the Quick Menu is closed, look for the icon

at the bottom software menu.

2.) You must be connected to the internet. At the window that pops open, click “Download PPG EIA Profiles” and you canwatch the progress bar as all the current rates are being downloaded and stored on your computer. Click the smaill ‘x’ inthe top right of the popup to close it when update is complete.

If you need any further assistance with updating EIA rate data, please email [email protected]

Tutorials & “Basic Training”To get the most out of the software, reading through this guide is an important step. However, if you have a specific task inmind and want to jump right in, you should watch the online Recorded Tutorials. These are located easily by using the Quick

Menu and selecting “Training” or click the Help module icon. Select the tab “Recorded Training”. (You need to beconnected to the internet). From this module, you can also register for one of our weekly Live Training Webinars or watchrecordings of past sessions.

(See image, next page)




At the “Website Support” tab you will find a button that links to our online Knowledgebase. Use this feature totroubleshoot common error messages and find definitions, guides, and other tips for getting started.

If you need further assistance with tutorials or other training resources, please email [email protected]

What Does Each Module Do?

SimStudy™For modeling and presenting portfolios. Uses a combination of historical data andMonte Carlo simulations to present your retirement plan solutions to your client,with or without annual withdrawals. Flexible modeling uses portfolios of SIMs.

HyStudy™Historical hypotheticals of EIAs, CDs, and other fixed investments even create"portfolios" of them and analyze their performance as whole. Income Plans usingonly annual withdrawals with equal or custom withdrawal amounts.

MCPlanz™Monte Carlo Simulation analysis of annual reset EIAs or "portfolios" of them, toproject the potential growth or success of meeting income needs through annualwithdrawals. Withdrawals can be equal or custom annual amounts.

ImmStudy™A structured 10year, 3phase “split annuity” income plan that uses guaranteedincome of a SPIA, a MYGA, and a deferred EIA. Monte Carlo simulation showspotential success of recapturing assets used to create income with 10 years.

Help &Training

Easy access to online training and support resources.

LaunchRetirement PlanAuditors Blog

Read articles and post your comments at this Blog maintained by Mitchell Maynard.

Launch GoogleUser Group Site

Strongly Recommended! Visit this MCP Suite User Group for answers to commonquestions, software tips & tricks, data exchange, articles & more. Free registration.




Create ManageSIMs

Create, edit and manage your own indexed annuity or fixed rate productconfigurations even build 'portfolios' of multiple EIA credit methods or fixed rates.

Manage DataA utility module, used to download current EIA rates and backup or restore SIMprofiles you have created. Also – see your license expiration date here.

User IndexesImport or input historical data of an index, for use in building your own SIMs or forcomparative performance analysis.

SIM Reports Print out a simple 1page report that shows how a selected SIM is configured.

Mutual FundMPT Statistics

Use this module to quickly locate performance factors like beta and alpha for over12,000 mutual funds. Data updated quarterly.

External Data –Download or Upload

Download index data stored on a web server or upload your own indexed to sharewith other users. Noncopyrighted or unlicensed data only.

Scenario IndexSpans

A timesaver feature. Configure or edit your preferred time frames to use for eachindex in your modeling (e.g. bear market = 1972 to 1982).

Steele IndexDefinitions

Data from Steele Systems Inc. uses “ticker” symbols for index data that may beunfamiliar. Lookup and verify using this utility.

Advisor ProfileData for Reports

Preset your name and contact information as you want it to appear on theSimStudy reports. Also – type or paste in any required disclaimers or disclosures toappear.

EIA Ratings™A new way to look at hypothetical performance. Shifting the focus away fromaverage annual rate of return, this mathematical system assigns a Grade (A+ to F)to EIAs for consistency and interest captured over 3 different market types.

EIAnalyst2007™Lite

Internet connection required. Includes easy to use online versions of HyStudy(“EIAnalystLite”) and ImmStudy (“ImmStudyLite").

Minuteman™Asset ManagementProgram

A link to the Minuteman web site page for general information and PDF brochures.

Minuteman™Monitor Program

A link to the Minuteman advisor utility page for users of the Minuteman program.

Minuteman™Presentation

Launches a clientready PowerPoint presentation about the Minuteman program.

Minuteman™Monitor Demo Site

A link to the Demo site where you can see model portfolios and the ETFs used.

Send an Email toSupport

Use this form to email Technical Support or Customer Service. Please allow at least4 hours but no more than 24 hours for a reply.



MCPCommunications*

Program notes and messages from MCP Premium about software updates andmore.

DocumentBuilder

A simple word processor. Type a letter, or make notes – anything you’d like to printup and include with your presentations.

Crystal ReportsViewer

Use this viewer to open and read any reports that you have saved in Crystal Reportformat. A great way to store electronic copies of presentations you create.

ToolsExtra resources for showing how bond interest rate changes effect principal, EIACredit Method Ratings spreadsheet, and for understanding Monte Carlosimulations.

PresentationsPowerPoint presentations to educate your clients or prospects about indexinvesting and the EIA as a retirement vehicle.

Quick Menu* Launches a list of common tasks and features of the Suite, arranged by topic.

*While these modules are active in version 1.6, their icons do not yet appear in the section indicated.

C. QuickStart Guide: Create a Retirement Plan Portfolio Analysis

SimStudy is the program you will use for creating your retirement plan and conduct portfolio modeling. However, you FIRSTneed to create two portfolios; one that will represent current client investments and one for your proposed allocation. Inthe MCP Premium Planning Platform, this is completed by doing the following:

1. Create a SIM to represent each individual investment.2. Build a Portfolio by collecting the individual SIMs together.

SIM is an acronym for “synthetic investment model”. These SIMs are used to represent an investment’s relativeperformance to a benchmark index. You will select the “Best Fit” index to represent an individual investment’s return andwhen applicable, apply Modern Portfolio Theory statistics to represent manager relative performance (i.e. Beta for risk orAlpha for performance enhancements).

If you have used classical investment analysis tools, you realize that using actual historical performance of mutual funds andany other managed investment is flawed because a management change undermines the quality of the forecasting results.(The same could be said of a stock because a company is managed by individuals who control the direction of thecompany’s business endeavors.)

This assertion seems unconventional, but if you think it through you will realize that management companies all competewith a benchmark and as the management changes, so does the subjective element of management style. Using FidelityMagellan as an example, if we were to use historical performance of the fund from the 1980s in our plan (when Peter Lynchran the fund), it would be improper since Peter Lynch outperformed against the S&P 500 and the current manager hasunderperformed. Therefore, if we used historical returns from the 1980s for predictive analysis we would be working withflawed assumptions, since we would be overestimating relative performance of the current manager.

Part 1: Creating a SIM (Synthetic Investment Model)On the main form in the ‘Data Management’ section of the toolbar, click “Create Manage SIMs”:



Within the Planning Platform a user can create 6 types of SIMs. In the form that opens see below:

1. Index Credit Method SIM represents an equity indexed annuity product. Supported creditmethods include Daily Average, Monthly Average, Monthly Cap (a.k.a. monthly point to point),and annual Point to Point. Multiple year resets are supported, but are only available for use inHyStudy portfolios. Several subcategories of credit methods are also supported, such as highwater, trigger, soft cap, and vesting. Stock Indexes currently supported include the DJIA, Nasdaq100, Russell 2000, S&P 400, S&P 500, and EuroStoxx 50.

2. Fixed Annuity SIM create this type of SIM when you are trying to synthesize a Fixed Annuity.Fixed Annuity SIM is similar to a Fixed Rate SIM; however the Fixed Annuity SIM provides thefunctionality for adding a bonus.

3. Fixed Rate SIM create this type of SIM when you are trying to synthesize a CD or otherinvestment that pays a constant rate of return each year.

4. Managed SIM create this type of SIM when you are trying to synthesize an investment (activeor indexed). In the creation of a Portfolio SIM the user can select from a collection of mutualfunds (if the Steele Index data has been imported). For instructions, see Working with Data fromSteele Systems, Inc. in Section B of this manual.

5. Portfolio SIMa. In Dollars create this type of portfolio to input investments in $ values. Users with

client statements will benefit from simply entering current investment amounts $.b. In Percent create this type of portfolio to input investments as a % percent of the

total. Users will benefit from creating their standard portfolio recommendations andusing them for comparison and contrast against a client’s current portfolio. SeeRetirement Modeling tools.



Create an Index Credit Method SIMAn extensive database of preconfigured EIA products is provided for your convenience. Make sure that you update the rateinformation on your computer at least once per month, to reflect any rate changes that may have occurred. Forinstructions, see Update Equity Indexed Annuity (‘EIA’) Rates in Section B of this manual.

You will only need to create your own Index Credit Method SIMs if you need to represent a product not in our database, ora copy of a provided SIM so that you can alter it to meet your needs.

Complete all the fields in the form. The “Verify SIM Inputs” will perform a very basic input check for you. When done withyour input, click on the cube icon in the top left again, and select "Save". NOTE: Your new SIM will show up under theheading "Index Credit Method SIMs" in the module wizards.

Definitions of Index Credit Method SIM Fields• Name (Profile Symbol) = create a 10character "ticker" name to represent the SIM

• Description = to help you remember what credit method the SIM represents

• Insurance Co Name = the issuing/sponsoring company

• Product Name = the actual name of the EIA

• Index Name = choose the index the credit method is pegged to

• Credit Method = choose the credit method this SIM will represent.

• Spread (Asset Fee) = enter single number or decimal (i.e. 2 or 1.25) if none, enter a 0 here

• Participation Rate = same as above. If no par rate is noted, it's probably 100%.



• Period Reset Cap = rate capped at reset, not at the index term. Enter single number or decimal (i.e. 2 or 1.25) ifnone, enter 0 here. NOTE: For "monthly cap" products, use the "Additional Rate" field at the bottom.

• Period Reset = years of the contract it 'locks in' gains. 1= Annual, 2= biennial, etc.

• Bonus Amount = enter single number or decimal (i.e. 2 or 1.25) if none, enter a 0 here

• Bonus Duration = enter single number or decimal (i.e. 2 or 1.25). Default is 1 (a onetime bonus). If no bonus, leaveat 1.

• Additional Criteria = default is 'None'. If certain credit method is selected, additional options appear. NOTE: THESEWERE BUILT SPECIFIC for CERTAIN PRODUCTS. If your product specs don't mention them, you probably don't needthese. They are:

Mthy Avg Srs HWTR = Monthly Average Series Highwater (takes the highwater point over the entiremultiyear period reset term);

Soft Cap 25% = if index performance exceeds Period Reset Cap, this additional participation rate iscredited;

PDex = Allianz "PremierDex" method of calculating gains;

APP 5 Yr Vesting = Annual Point to Point with 5year Vesting (specific to certain Allianz product);

Final Year Wkly Avg = Final Year Weekly Averaging (the last year in the contract term is averaged);

Trigger = no crediting occurs until a certain level (designated in "Additional Criteria Rate") is reached;

90 day LWTR = 90 Day Lowwater (for the first 90 days of issue, contact will not fall below leveldesignated in "Additional Criteria Rate").

• Additional Criteria Rate = mainly used for Monthly Cap (a.k.a. monthly point to point) rates. Enter single numberor decimal (i.e. 2 or 1.25). If not applicable, enter a 0 here.

• Profile Notes = optional. Type any comments you want to record.

Using the AutoComplete feature

At several places on the form you will find an “Edit Auto Complete” button.

Choose the “Add”, “Delete”, “Edit”, and “Save” buttons on the AutoComplete as appropriate to your needs. Product names and Company namesthat you enter here will be saved available for your future use. To close thepopup, click the red ‘x’ at the bottom right.



Editing Index Credit Method SIMs

NOTE: Any SIM under the category of "Premium Producers EIA Profiles" cannot be edited or modified. However, you can

easily create a "copy" of an existing Premium Producers SIM and modify it as needed. To do this, follow these steps:

1.) Click on the "Create Manage SIMs" icon (the cube).

2.) In the new blank window that opens, click on the cube icon in the top left. Select "New" and then "Index CreditMethod SIM".

3.) Click the button in the top right "Use PPG EIA Profile as Base".

4.) From the Profile tree, select the Company, and then click the ‘+’ to select the EIA and exact credit method you wantto copy. Click the “Select Profile as Base” button.

5.) Modify or Edit the fields in the form as needed. When done, click on the cube icon in the top left again, and select"Save".

NOTE: Your new SIM will show up under the heading "Index Credit Method SIMs" in the module wizards.



Create a Fixed Annuity SIMA Fixed Annuity SIM is a fixed rate with the option to add a bonus.

Input Fields:

• Name enter the name of your SIM. Limit to 10 characters or less (No Special Characters)

• Description enter a description for the SIM. 20 character minimum.• Insurance Company Name enter the name for Insurance Company.

• Product Name enter a Product Name for the SIM.

• Interest Rate enter the assumed interest rate.• Bonus Amount enter the amount of the bonus applied.

• Bonus Duration enter the amount of years that the bonus is applied.

• Profile Notes enter any notes that may apply to the SIM.

NOTE: Your new SIM will show up under the heading "Fixed Annuity SIMs" in the module wizards.



Choose the “Add”, “Delete”, “Edit”, and “Save” buttons on the Auto Complete as appropriate to your needs. Product namesand Company names, etc. that you enter here will be saved available for your future use. To close the popup, click the red‘x’ at the bottom right.



Create a Fixed Rate SIMA fixed rate SIM represents any fixed interest rate investment.

Input Fields


• Description enter a description for the SIM. 20 character minimum.

• Company Name enter the name for Company.

• Product Name enter a Product Name for the SIM.• Interest Rate enter the assumed interest rate.


NOTE: Your new SIM will show up under the heading "Fixed Rate SIMs" in the module wizards.






Create a Managed SIMA Managed SIM represents an investment fund (active or indexed). You can select from a collection of mutual funds if theSteele Index data has been imported. (For instructions on this, see Working with Data from Steele Systems, Inc. in Section Bof this manual.)

Input Fields


• Description enter a description for the SIM. 20 character minimum.• Company Name enter the name for Company.

• Product Name enter a Product Name for the SIM.

• Index Name select an index.• Annual Asset Fee enter an annual asset fee applied to the risk adjusted returns.

• Risk Adjusted Performance Statistics:o Beta enter the Beta applied to the selected index. See Modern Portfolio Statistics for more information.o Alpha enter the Alpha applied to the selected index. See Modern Portfolio Statistics for more

information.o Risk Free Rate enter the assumed risk free rate. (See Search Mutual Fund Data for more information.)




Help with ‘Alpha – Risk Adjusted Performance’ section

Use the “Search Mutual Fund Data” to quickly locate the MPT Statistics of over10,000 mutual funds regressed against 223 individual indexes and averages.

Remember If you have imported Steele Mutual Fund Expert Index and Average data, you can skip thisstep and create the Managed SIMs to synthesize mutual funds from within the ‘Create Portfolio SIM’form.

NOTE: Your new SIM will show up under the heading "Managed SIMs" in the module wizards.




Part 2: Build a Portfolio SIM

A Portfolio SIM is a collection of individual SIMs. A user can combine as many as 50 SIMs in a portfolio. On the main form inthe ‘Data Management’ section of the toolbar, click “Create Manage SIMs”:

Portfolio SIMs can be created in two different base values:

1. Dollar allocations.2. Percent allocations.

Examples that follow will be using the “in Dollars” allocation.



There are three options for adding an individual SIM to a Portfolio.

1. Add a SIM use this tab of options to add individual SIMs that you have created (or PremiumProducer EIA Profiles)

2. Add a Steele Expert Item use this tab is you have purchase and imported SteeleMutual Fund Expert Data to select from the more than 10,000 mutual funds available. For more informationsee Importing Steele Expert Data.

3. Add a Minuteman™ Portfolio use this tab to quickly add Minuteman PortfolioSIMs. In order to use this feature, you will have to purchase and import Steele Mutual Fund Expert Data. Formore information see Importing Steele Expert Data.

Note: When building any Portfolio SIM, you will need to enter a Name (12 character max) and a Description (20 characterminimum) on the main input form. Look for this section near the middle of the form:

Option 1 Add a SIMFrom within the Choose SIM Type window, select a SIM Type to add to the portfolio. The following steps use an example ofselecting a ‘Managed SIM’.



Input Form Elements:

1. With selected SIM Type > click Gather Profiles to populate the “Choose a SIM” window.2. Expand the Company Name and the Product Name of the SIM and highlight the SIM Description to add into the

Portfolio SIM.

3. Select an asset class that the SIM will be allocated to. I you would like to add or edit an asset class > click tolaunch the asset class name editor. Remember that the chosen asset class is for description only and will notimpact your analysis; use names that you are comfortable with.

4. Enter the amount of the SIM that will be added to the Portfolio SIM. Click to launch a calculator.

5. Click to add the depicted SIM to the Portfolio.6. View information about the added SIMs by expanding the appropriate asset class category.7. View the total value of the SIMs in the Portfolio SIM.8. View the total of SIMs within the Portfolio SIM (50 max)9. View the asset allocation of asset classes within the Portfolio SIM.

10. Click to change the chart representation. Charts can illustrate the allocation of SIMs within anasset class.



11. Click to launch the asset class name editor.

12. Click to view/edit the notes for the Portfolio SIM.

13. Click to clear the SIMs within the Portfolio SIM.

14. Click to delete a highlighted SIM from the Portfolio SIM.

15. Click to view the details of a highlighted SIM.

Repeat the steps 1 5 above to add individual SIMs to the Portfolio until all are added.

Saving your SIM

Saving a SIM is a very simple task. Simply click the ‘Save’ option from the dropdown list when clicking .

You will see several choices. Select the “Save” option to commence saving. After the SIM is savedthe current instance of the form will close and reopen to reset the inputs.

Option 2 Add a Steele Expert ItemAdding a Steele Expert Item to a Portfolio SIM is a 4step process. (Active Internet Connection Required)

Step 1

a) Click to populate the Fund Families into the window.

b) Click the row header of the fund family of choice.

c) Click to move to the next step. (available mutual funds for the fund family will be presented)



Step 2

d) Click the row header of the fund of choice.

e) Click to move to the next step. (top ten “Best Fit” indexes will be presented)

Step 3

f) Click the row header of the index of choice.

g) Click to move to the next step. (where you can add MPT Statistics and SIM Inputs)h) For more information on selecting the proper index to use, see Selecting a Best Fit Index, below.

Selecting a Best Fit IndexThe process of selecting a “Best Fit“ index may be new to you, so let’s analyze the reasons for doing so.

1. Mutual Fund managers change and so the use of historical data can compromise the value of the retirementplanning forecast.

2. Mutual Fund managers can “Style Drift”. Style Drift is the act of straying from the primary focus of the fund’sinvestment objective. For example, if a large cap mutual fund (say Fidelity Magellan) was to shift the fund’s assetsinto a different asset class (say mid cap stocks), this is classic style drifting. The reason the manager will choose todo this is in the quest for higher returns.

3. Manager change and style drift can compromise your asset allocation to a point that you have violated the tenetsof your client’s Investment Policy Statement.

Selecting a best fit index requires the consideration of a number of statistics:

a. RSquared is a measurement of the fund’s returns correlation to the index (measured of a 60 monthperiod)



b. Beta is a measurement of the fund’s relative performance to the index (measured of a 60 month period)

c. Alpha is a measurement of the fund manager’s relative performance to the index (measured of a 60month period)

d. FundBetaSpread is an integer value of the difference between the fund’s Beta and 1.

e. SteeleStartYear is the first year that Steele provides index returns. This value is important because youwill want to make sure that sufficient data is available for your retirement modeling goals.

Step 4


1. Enter the Statistics for Managed SIM:

a. Beta is carried over from step #3.

b. Alpha enter an alpha.

c. Risk Free Rate enter a risk free rate used in the performance adjust return.

d. Asset Fee enter an asset fee to be subtracted from the annual performance.

2. Select an asset class that the SIM will be allocated to. If you would like to add or edit an asset class > clickto launch the asset class name editor. Remember that the chosen asset class is a description only and will notimpact your analysis; use names that you are comfortable with.

3. Enter the amount of the SIM that will be added to the Portfolio SIM. Click to launch a calculator.

4. Click to add the depicted SIM to the Portfolio.

5. View the Name of the Mutual Fund being synthesized.

6. View the Name of the Indexed being used in the Managed SIM.

7. View Managed SIM name being given to this Managed SIM. Hint left of “_” is the ticker symbol of the MutualFund and right of the “_” is the symbol given to represent the Index.

12. Click to launch the asset class name editor.




8. View the total value of the SIMs in the Portfolio SIM.

9. View the total of SIMs within the Portfolio SIM (50 max).

10. View the asset allocation of asset classes within the Portfolio SIM.

11. Click to change the chart representation. Charts can illustrate the allocation of SIMs withinan asset class.

12. Click to view/edit the notes for the Portfolio SIM.




Saving your SIM

Saving a SIM is a very simple task. Simply click the ‘save’ option from the dropdown list when clicking .

You will see several choices. Select the “Save” option to commence saving. After the SIM is saved thecurrent instance of the form will close and reopen to reset the inputs.



Option 3 Add a Minuteman™ PortfolioAdding a Minuteman™ Portfolio is a simple process of selecting the appropriate Portfolio and entering the amount to beallocated to the entire portfolio. MCP Suite Pro will automatically add all the Individual Managed SIMs to the PortfolioSIM. (Active internet connection required.)

Input Form Elements:1. Enter the Statistics for Managed SIMs:

a. Alpha enter an alpha.b. Risk Free Rate enter a risk free rate used in the performance adjust return.c. Asset Fee enter an asset fee to be subtracted from the annual performance.

2. Select a portfolio name in a portfolio series.3. Enter the amount of the Minuteman™ Portfolio SIM that will be added to the Portfolio SIM.

4. Click to add the Minuteman™ Portfolio SIMS to the Portfolio SIM.5. Download Minuteman Portfolio Managed SIMs to the local computer for use when offline.6. View the total value of the SIMs in the Portfolio SIM.7. View the total of SIMs within the Portfolio SIM (50 max).8. View the asset allocation of asset classes within the Portfolio SIM.



9. Click to change the chart representation. Charts can illustrate the allocation of SIMs withinan individual asset class.




Saving your SIM

Saving a SIM is a very simple task. Simply click the ‘save’ option from the dropdown list when clicking .

You will see several choices. Select the “Save” option to commence saving. After the SIM is savedthe current instance of the form will close and reopen to reset the inputs.

Final Step: Run a SimStudy ReportNow that you have created your SIMs and built your SIM Portfolios, you are ready to run your analysis and reports. Use themodule “SimStudy” and go through the wizard step by step. For detailed instructions, see Section D below.

D. Retirement Plan ModelingThere are four tools within the MCP Suite Professional for conducting financial analysis, called retirement modeling. Thefocus of the planning/analytical tools within this platform is forecasting. They are described below:

1. SimStudy is a premier retirement and financial modeling tools. It incorporates the use of historical hypotheticalswith Monte Carlo Simulations to “Stress Test” financial planning scenarios. Only Portfolio SIMs can be analyzedwith this tool.

2. HyStudy is basic hypothetical tool. Use this tool to test a variety of financial scenarios with only historical data.

3. MCPlanz is a basic Monte Carlo Simulation tool. Use this tool to test a variety of financial scenarios with MonteCarlo Simulations using 2 standard deviations of returns around the mean return of the selected historical data.

4. ImmStudy is a retirement planning tool that provides a splitinvestment approach. It allows the user to provide 10years of income from the use of an immediate annuity providing income for a 5 year period and an annuitizedmultiyear guaranteed deferred for 5 years providing income for years 610. Only Portfolio SIMs can be analyzedwith this tool.

A walkthrough of each module follows.



Financial Modeling with SimStudy™

Purpose of this ModuleUse the SimStudy™ Wizard to create a comprehensive Financial and Retirement Modeling Analysis (also known as aRetirement Plan Audit). Click on the Retirement Modeling section to launch the SimStudy wizard.

Wizard: Welcome screen.

Here you can click ‘View a Sample Report’ to open a completed report. Use the wizard controls to move through the stepswithin the wizard. Click ‘Next>’ to move forward and ‘<Back’ to move backward through the wizard.

Wizard: STEP #1



a) Enter Client Name enter the client name for the reportb) Enter Advisor Name enter the advisor name of the advisor presenting the analysis.

c) Select an Existing Profile for Contemporary Report. If you have not created an Advisor Profile click to

launch an input form. After creating a new Advisor Profile, click to refresh advisor profile choices.Selecting an Advisor Profile is required when generating a contemporary analytical report. See Advisor Profilesfor more information.

d) Click Next> to move forward and <Back to move backwards.

Wizard: STEP #2

• Select the Profile Type of SIM. (SimStudy only analyzes Portfolio SIMs)

• Click the ‘Gather Profiles’ button to populate the Profiles in the Profile Window.

• Click the SIM #1 radio button.

• Select the Profile Name to set for SIM #1.

• Click the ‘Select SIM’ button to add your selection to SIM #1.

• Select the Profile Name to set for SIM #2.

• Click the ‘Select SIM’ to add your selection to #2.

• Click Next> to move forward and <Back to move backwards.



Wizard: STEP #3

a) Select the Number of Scenario Years. This input will cause validation on the amount of the years betweenStart Year and End Year for each index.

b) Highlight your cursor over the cell containing any index symbol to determine the full name of the index (if thesymbol is an index imported from Steele Mutual Fund Expert). See Section C: “Working with data from Steele”of this manual for more information.

c) Enter the first year of index data used in the scenario into the Start Year.

d) Enter the last year of index data used in the scenario into the End Year.

e) Repeat Steps c) and d) for each index.

f) Scenario Name: Select Scenario Name for gathering or Saving your Index Spans*.

g) Repeat Process for SIM #2

h) Click Next> to move forward and <Back to move backwards.

*Note: This section of the wizard allows and advisor to use forecast relevant data for each index used in benchmarking SIMswithin the Portfolio SIM. For more information see Section D, Data Management: ‘Scenario Index Spans’ of this manual.

(Continued)



Wizard: STEP #4

a) Enter the amount of the Initial Investmentb) Enter the Target Ending Value used in the probability analysis measurement “Probability of Success”.

SimStudy evaluates the number of ending values greater or equal to the Target Ending Value.c) Repeat Process for SIM #2d) Click Next> to move forward and <Back to move backwards.

Wizard: STEP #5



a) For scenarios that require income withdrawals, check the Income Planning Scenario checkbox.b) Select the type of withdrawals:

• Constant Ratesi. Enter Annual Withdrawals. Integers only: No comma or dollar sign.ii. Enter Inflation Percent for withdrawals. (Factor by which the withdrawals are inflated each year.)

• User Defined Rates are for custom annual withdrawals schedules. (See User Defined Rates, below.)c) Repeat Process for SIM #2d) Click Next> to move forward and <Back to move backwards.

User Defined Rates for WithdrawalsUserdefined withdrawals scenarios are needed if a client wants to defer taking income for part of a time period, orwithdrawal amounts need to vary by more than just a simple cost of living or inflation increase. Note: You must haveMicrosoft Excel 2000 or newer on your computer for this to function.

To create a User Defined Rates withdrawal scenario:

1) Click the box to activate an ‘Income Planning Scenario’. Then, click the circle dot above ‘Select User DefinedRates’ to activate that section as well.

2) Then, click the large button with the “Open MS Excel” label.3) Now a new popup window will appear. Click “Open”.

4) MS Excel will launch and a preconfigured worksheet will be displayed.

Note: Some versions of Excel will also launch a blank white or lightgray window. It may block your view of the wizard orworksheet. If so, please close it.

(Continued next page)



5) Starting in Row 2, Column B, type in the amount of your desired withdrawals, for each year you want to takeincome. If no income is desired, enter a zero. Whole dollars or dollars and cents are acceptable. You cannotenter a percentage. Do not use any $ or % symbols.

6) When your schedule is complete, point your mouse in the top left at “Year” (Row 1, Column A), and leftclick.Hold and drag down to highlight your entire withdrawal schedule. Release your mouse button, and hover yourmouse over the bottom line of the highlighted area.

7) When a multipointed arrow appears, leftclick and drag over into the dark gray ‘User Defined’ area of thewizard. Release your mouse button, and the Excel numbers will drop into place.

Note: This may take a bit of practice, if you aren’t used to “drag and drop” with MS Excel.




8) If you get error messages or prompts to enter passwords, you are highlighting too much of the worksheet. Donot start your mouseclick or highlight in the row number, for example. Start at Year (End) only.

9) Now with your custom withdrawal schedule dropped in place, click the tab for SIM #2 and repeat the draganddrop process for your second SIM.

10) If you change your mind or want to alter the withdrawal schedule, click the “Clear DataGrid” button or clickthe circle next to “Select Constant Rates” which will disable your custom schedule.

11) When finished, close Excel by clicking the small “x” in the top right of the worksheet window. When asked ifyou want to “save the changes you made to the worksheet?” most times you will click “No”. However, if this isa withdrawal schedule you think you’ll use again, choose “Yes” and the next time you click the “Open MSExcel” button, your saved schedule will appear.

Once your Income Planning Scenario is set up as desired, click the “Next >” button at the bottom right and proceedthrough the wizard.



Wizard: STEP #6

• Click ‘Run Analysis’ to perform the analysis and calculations.

Wizard: STEP #7

• This is your “Preview” of the analysis. Click the tabs to evaluate the resulting analytical charts.

• Click SIMs Info buttons to review details of each SIM.

• Click ‘Export’ to view selection of chart export options.• Click ‘Next>’ to move forward and generate reports, or ‘<Back’ to move backwards through the wizard.



Wizard: Generate Reports

• Create Reports1) Click Generate Analytical Reports to view the client presentation report.

a) Classic versionb) Contemporary version (recommended)

2) Click Generate SIM Snapshot Reports to generate a SIM Snapshot Report3) Click EIA Ratings Reports to generate a Premium Producers Group Index Credit Method Ratings

Reports. For more information see PPG EIA Ratings.

• Generate an Investment Policy statement1) Select the appropriate Minuteman™ Portfolio.2) Click Sample Investment Policy Statement to generate an Investment Policy Statement.

Click ‘Finish’ to close the wizard and ‘<Back’ to move backwards.

Create Hypothetical Analysis with HyStudy™

Purpose of this ModuleIt is especially helpful to understand and demonstrate the differences in equity indexed annuity crediting methods. Userscan easily shift between any historical time period to see how today’s EIA product configurations would have fared usingpast stock index point changes. Use the HyStudy Wizard to quickly create hypotheticals using the same historical data for allSIMs.

Click on the ‘Retirement Modeling’ section to launch the HyStudy Wizard.



Wizard: Welcome Page

a. View a Sample Report to open a completed report.b. Use the wizard controls to move through the steps within the wizard.c. Click Next> to move forward and <Back to move backwards.

Wizard: STEP #1

• Enter Client Name enter the client name for the report

• Enter Advisor Name enter the advisor name of the advisor presenting the analysis.

• Click Next> to move forward and <Back to move backwards.



Wizard: STEP #2

1) Choose the Profile Type of SIM.2) Click the ‘Gather Profiles’ button to populate the Profiles in the ‘Choose a Profile’ window.3) Select the Profile Name to set for SIM #1.4) Click ‘Select SIM’ to add the profile as SIM #1.5) Click the SIM #2 radio button.6) Select the Profile Name to set for SIM #2.7) Click ‘Select SIM’ to add the profile as SIM #2.8) Click ‘Next>’ to move forward and ‘<Back’ to move backwards.

Wizard: STEP #3



a. Select Starting Month (also sets default Ending Month)b. Select Starting Yearc. Select Ending Yeard. Repeat Process for SIM #2e. Click Next> to move forward and <Back to move backwards.

Wizard: STEP #4

a. Enter the amount of the Initial Investmentb. Repeat Process for SIM #2c. Click Next> to move forward and <Back to move backwards.

Wizard: STEP #5



a) For scenarios that require income withdrawals, check the Income Planning Scenario checkbox.b) Select the type of withdrawals:

• Constant Rates1. Enter Annual Withdrawals2. Enter Inflation Factor for Withdrawals (amount in which the withdrawals are inflated each

year)• User Defined Rates are for custom annual withdrawals schedules. (See User Defined Rates, below.)

c) Repeat Process for SIM #2d) Click Next> to move forward and <Back to move backwards.

User Defined Rates for WithdrawalsUserdefined withdrawals scenarios are needed if a client wants to defer taking income for part of a time period, orwithdrawal amounts need to vary by more than just a simple cost of living or inflation increase. Note: You must haveMicrosoft Excel 2000 or newer on your computer for this to function.

To create a User Defined Rates withdrawal scenario:

1) Click the box to activate an ‘Income Planning Scenario’. Then, click the circle dot above ‘Select User DefinedRates’ to activate that section as well.

2) Then, click the large button with the “Open MS Excel” label.3) Now a new popup window will appear. Click “Open”.

4) MS Excel will launch and a preconfigured worksheet will be displayed.

Note: Some versions of Excel will also launch a blank white or lightgray window. It may block your view of the wizard orworksheet. If so, please close it.




5) Starting in Row 2, Column B, type in the amount of your desired withdrawals, for each year you want to takeincome. If no income is desired, enter a zero. Whole dollars or dollars and cents are acceptable. You cannotenter a percentage. Do not use any $ or % symbols.

6) When your schedule is complete, point your mouse in the top left at “Year” (Row 1, Column A), and leftclick.Hold and drag down to highlight your entire withdrawal schedule. Release your mouse button, and hover yourmouse over the bottom line of the highlighted area.

7) When a multipointed arrow appears, leftclick and drag over into the dark gray ‘User Defined’ area of thewizard. Release your mouse button, and the Excel numbers will drop into place.





8) If you get error messages or prompts to enter passwords, you are highlighting too much of the worksheet. Donot start your mouseclick or highlight in the row number, for example. Start at Year (End) only.

9) Now with your custom withdrawal schedule dropped in place, click the tab for SIM #2 and repeat the draganddrop process for your second SIM.

10) If you change your mind or want to alter the withdrawal schedule, click the “Clear DataGrid” button or clickthe circle next to “Select Constant Rates” which will disable your custom schedule.

11) When finished, close Excel by clicking the “X” in the top right of the worksheet. When asked if you want to“save the changes you made to the worksheet?” most times you will click “No”. However, if this is awithdrawal schedule you think you’ll use again, choose “Yes” and the next time you click the “Open MS Excel”button, your saved schedule will appear.

12) Once your Income Planning Scenario is set up as desired, click the “Next >” button at the bottom right andproceed through the wizard.



Wizard: STEP #6

• Click Run Analysis to perform the analysis.

Wizard: STEP #7

• This is your “Preview” page. Click the tabs to evaluate the resulting analytical charts.

• Click ‘SIMs Info’ buttons to review details of each SIM.

• Click ‘Export’ to view selection of chart export options.• Click ‘Next>’ to generate reports and ‘<Back’ to move backwards through the wizard.




• Create Reportsa. Click Generate Analytical Reports to view the client presentation report.b. Click Generate SIM Snapshot Reports to generate a SIM Snapshot Reportc. Click EIA Ratings Reports to generate a Premium Producers Group Index Credit Method Ratings Reports.

For more information see PPG EIA Ratings.

• Click bottom left ‘Generate Analytical Reports’ button to view older/classic style of the report.

Click ‘Finish’ to close Wizard or ‘<Back’ to move backwards.

Create Monte Carlo Analysis with MCPlanz™

Purpose of this ModuleUnlike many other tools that assume the same average rate of return will be earned every year forward, MCPlanz™provides projections based on Monte Carlo Simulations: a mathematical (statistical) variance of returns around the mean(average). The results are far more accurately depicted than that from a simple use of an average return. Use the MC PlanzWizard to quickly create Monte Carlo Simulations using the same historical data for all SIMs.

Click on the Retirement Modeling section to launch the MCPlanz Wizard.





a. View a Sample Report to open a completed report.b. Use the wizard controls to move through the steps within the wizard.c. Click Next> to move forward and <Back to move backward.

Wizard: STEP #1

d. Enter Client Name enter the client name for the reporte. Enter Advisor Name enter the advisor name of the advisor presenting the analysis.f. Click Next> to move forward and <Back to move backwards.



Wizard: STEP #2

a. Select the Profile Type of SIM.b. Click the ‘Gather Profiles’ button to populate the Profiles in the Profile Window.c. Select the Profile Name to set for SIM #1.d. Click ‘Select SIM’ to assign to SIM #1.e. Click the SIM #2 radio button.f. Select the Profile Name to set for SIM #2.g. Click ‘Select SIM’ to assign to SIM #2.h. Click Next> to move forward and <Back to move backwards.

Wizard: STEP #3



a. Select Starting Month (Sets Ending Month)b. Select Starting Yearc. Select Ending Yeard. Repeat Process for SIM #2

Click Next> to move forward and <Back to move backwards.

Wizard: STEP #4

a. Enter the amount of the Initial Investmentb. Repeat Process for SIM #2


Wizard: STEP #5



a. For scenarios that require income withdrawals, check the ‘Income Planning Scenario’ checkbox.b. Select the type of withdrawals:

1) Constant Ratesi) Enter Annual Withdrawalsii) Enter Inflation Factor for Withdrawals. (amount in which the withdrawals are inflated each year)

2) User Defined Rates

User Defined Rates for Withdrawalsi) Click the box to activate an ‘Income Planning Scenario’. Then, click the circle dot above ‘Select User Defined

Rates’ to activate that section as well.

ii) Then, click the large button with the “Open MS Excel” label.

iii) Now a new popup window will appear. Click “Open”.

iv) Starting in Row 2, Column B, type in the amount of your desired withdrawals, for each year you want to takeincome. If no income is desired, enter a zero. Whole dollars or dollars and cents are acceptable. You cannotenter a percentage. Do not use any $ or % symbols.



v) When your schedule is complete, point your mouse in the top left at “Year” (Row 1, Column A), and leftclick.Hold and drag down to highlight your entire withdrawal schedule. Release your mouse button, and hover yourmouse over the bottom line of the highlighted area.

vi) When a multipointed arrow appears, leftclick and drag over into the dark gray ‘User Defined’ area of thewizard. Release your mouse button, and the Excel numbers will drop into place.


vii) If you get error messages or prompts to enter passwords, you are highlighting too much of the worksheet. Donot start your mouseclick or highlight in the row number, for example. Start at Year (End) only.

Now with your custom withdrawal schedule dropped in place, click the tab for SIM #2 and repeat the draganddrop process for your second SIM. (See image on next page.)



viii) If you change your mind or want to alter the withdrawal schedule, click the “Clear DataGrid” button or clickthe circle next to “Select Constant Rates” which will disable your custom schedule.

ix) When finished, close Excel by clicking the “X” in the top right of the worksheet. When asked if you want to“save the changes you made to the worksheet?” most times you will click “No”. However, if this is awithdrawal schedule you think you’ll use again, choose “Yes” and the next time you click the “Open MS Excel”button, your saved schedule will appear.

Once your Income Planning Scenario is set up as desired, click the “Next >” button at the bottom right and proceedthrough the wizard.

Wizard: Step #6

Click ‘Run Analysis’ to perform the analysis and calculations.



Wizard: STEP #7

a. Use tabs to evaluate the resulting analytical charts.b. Click SIMs Info buttons to review details of each SIM.c. Click Export to view selection of chart export options.



a. Create Reportsi. Click Generate Analytical Reports to view the client presentation report.ii. Click Generate SIM Snapshot Reports to generate a SIM Snapshot Report

iii. Click EIA Ratings Reports to generate a Premium Producers Group Index Credit MethodRatings Reports.

b. Click ‘Finish’ to close wizard and ‘<Back’ to move backwards.



Create an Income Plan with ImmStudy™

Purpose of this ModuleImmStudy™ is an analytical approach to developing a Retirement Income Modeling whose primary focus is on the creationof guaranteed income sources while the secondary concern is the growth of overall account value. The resulting analysis ofthe ImmStudy™ is to determine the Probability of a client’s money growing back to the original amount deposited after theprovision of the guaranteed income for a 10 year period.

The guaranteed income is provided through 2 phases of 5 years. The first 5 years of income is provided by the purchase of aSingle Premium Immediate Annuity. The second 5 years of income is provided by the annuitization of a deferred annuitythat is assumed to pay a level rate of interest for the 5 years of deferral. The remaining retirement assets are allocation tothe Phase 3 investment (deferred for 10 years).

Unlike many other tools that provide a laddered approach to providing retirement income, ImmStudy™ provides analysisbased on Monte Carlo Simulations using statistical variance of returns around the mean (average). The results are far moreaccurately depicted than a simple use of an average return.

Click on the Retirement Modeling section to launch the ImmStudy™ Wizard.


a. View a Sample Report to open a completed report.b. Click Planning Checklist to view ImmStudy™ item checklist for analytical report preparation.c. Use the wizard controls to move through the steps within the wizard.

Click Next> to move forward and <Back to move backward.



Wizard: STEP #1

a. Enter Client Name enter the client name for the reportb. Enter Advisor Name enter the advisor name of the advisor presenting the analysis.c. Enter Total Assets the client has to invest.


Wizard: STEP #2

a. Enter the Enter the Annual Income required for the first 5 years.b. Enter the Premium Amount for deposit into a single premium immediate annuity 5 year certain.c. Enter the Company Name providing the single premium immediate annuity.



d. Enter the Product Name of the single premium immediate annuity.e. Enter a description of the single premium immediate annuity.


Wizard: STEP #3

a. Enter the Annual Income for the second 5 years. This amount doesn’t have to be the same as the first 5 years.b. Premium Deposit required for the Immediate Annuity starting in year 6.

(1) When you click the , there will be a message box that communicates helpful information regarding thefield.

(2) When you click the , a form will open to assist in calculating the net premium deposit into adeferred annuity that will be annuitized at the end of five years. Enter the premium required for

annuitization and the % Interest Rate that the deferred annuity will pay and then click todetermine the amount of initial premium to be deposited into the deferred annuity.



(3) Click to have the calculated value placed on the wizard form.

c. Company Name Enter the Name as you want it on the report.d. Product Name Enter the Name as you want it on the report.e. Description Enter the description as you want it on the report. This is an opportunity to remind the client

want the product’s function is within the Retirement Plan.

Click “Next >” to proceed through the wizard.

Wizard: STEP #4

a. Select the Profile Type of SIM.b. Click ‘Gather Profiles’ to populate the Profiles in the Profile Window.c. Select the Profile Name to assign as Selected SIM. Click the ‘+’ to expand any tree as needed.d. Click ‘Select SIM’ to assign Selected SIM.




Wizard: STEP #5

a. Select the Number of Scenario Years. This input will cause validation on the amount of the years betweenStart Year and End Year for each index.

b. Highlight your cursor over the cell containing any index symbol to determine the full name of the index (if thesymbol is an index imported from Steele Mutual Fund Expert). See Section B “Working with Data from Steele”,of this manual for more information.

c. Enter the first year of index data used in the scenario into the Start Year.d. Enter the last year of index data used in the scenario into the End Year.e. Repeat Steps c and d for each index.


Wizard: STEP #6



a. View the Total of Retirement assetsb. View or Edit Total Assets to be Deferredc. Enter the Company Name providing the single premium immediate annuity.d. Enter the Product Name of the single premium immediate annuity.e. Enter a description of the single premium immediate annuity.



Create Reports:a. Click Generate Analytical Reports to view the client presentation report. ImmStudy will generate the

analysis when you click this button.b. Click Generate SIM Snapshot Reports to generate a SIM Snapshot Reportc. Click EIA Ratings Reports to generate a Premium Producers Group Index Credit Method Ratings Reports.


D. Data Management

Create Manage SIMs

Creating a SIMPlease see Section C above for complete details on creating SIMs.

Open, Edit, or Delete a SIMOn the main form in the ‘Data Management’ section of the toolbar, click “Create Manage SIMs”:

Select ‘Open’ from the dropdown list when clicking in the top left.



You will see several choices. Select the “Open” button to launch the Open SIMs form.

Use the Open SIMs form to open any of the available SIM types:

Open SIMs Form Properties:

1. Select the Profile Type

2. Click to gather the SIM Type Company Names.3. Expand Company Name > Product Name > Profile Name and click to select.

4. Once a Profile Name is selected, click to delete the Profile.

5. Once a Profile Name is selected, click to open the Profile.

6. Click to refresh the selection of profiles.



Editing Premium Producers EIA Profiles

NOTE: Any SIM under the category of "Premium Producers EIA Profiles" cannot be edited or modified. However, you can

easily create a "copy" of an existing Premium Producers SIM and modify it as needed. To do this, follow these steps:

1.) Click on the "Create Manage SIMs" icon (the cube).

2.) In the new blank window that opens, click on the cube icon in the top left. Select "New" and then "Index CreditMethod SIM".

3.) Click the button in the top right "Use PPG EIA Profile as Base".

4.) From the Profile tree, select the Company, and then click the ‘+’ to select the EIA and exact credit method you wantto copy. Click the “Select Profile as Base” button.

5.) Modify or Edit the fields in the form as needed. When done, click on the cube icon in the top left again, and select"Save".

NOTE: Your new SIM will show up under the heading "Index Credit Method SIMs" in the module wizards.

Manage DataThis module serves three functions: Download of current EIA rates, software licensing information, and backup or restore of

your SIMs.

Active internet connection required.

Shown at left:Choose the “Premium Producers Group SIMs” tab todownload the latest EIA rates from our web server.Click the “Download PPG EIA Profiles” button.

Other functions: License information is read only. Use“Data BackUp” to store your SIMs on our web server.You can later ‘Restore’ them as needed.



User IndexesHere you will import or input historical data of an index, for use in building your own SIMs or for comparative performanceanalysis. To begin, select the Data Management section and click on “User Indexes”.

Add Index

This section is used for manually inputting annual return index data.

a. Click “Directly Enter Annual Returns” button to type directly on form, as many rows as needed. Entera name for your index in the white space indicated. Click “Save Index” when finished. Click “ClearDataGrid” to start over or delete your work.

b. Click “Open MC Excel Worksheet for Annual Returns” button to type into a preformatted Excelworksheet. You will need to highlight, drag and drop your cells into the gray left pane. Enter a namefor your index in the white space indicated. Click “Save Index”.

c. With your data visible in the left pane, click the “View Data in Chart” button to generate an image.



Edit Indexes

Any indexes you have added or imported will appear in the left pane. Otherwise, this section will be blank.

a. Select an item from the list. Click “View Index Data” button to open and edit.b. Click “Save Index” button to save your changes.c. Click “View Chart of the Index Data” button to generate a chart in the right pane.d. Highlight an item from the list. Click “Steele Index Name” if applicable, to view this.

Delete Indexes

Any indexes you have added or imported willappear in the left pane. Otherwise, this section willbe blank.

Select an item from the list. Click “Delete” buttonto delete the index.



Import DataThis section allows you to import index data from a commadelimited (.csv) file you have created in Excel or other program.For details on using this section to import data from Steele Mutual Fund Expert, please see Section C: “Working with Datafrom Steele” in this manual.

1. Click “Get CSV file” button.

2. Navigate to the appropriate file or folder (where you saved your .csv file), select it and then click Open.

3. Click “Gather Data”.

4. “Launch Steele Expert” button will open that program. Note: License to Steele Mutual Fund Expert required.

5. Check the box next to “Select All” and then click “Import Data to User Defined Indexes” button.

SIM ReportsFrom time to time a user will want to create a snapshot report of a particular SIM (whether an individual SIM or a PortfolioSIM). MCP Premium Planning Platform provides a simple means of doing so. This data can be accessed by clicking the ‘DataManagement’ section.

1. Select the appropriate SIM Type then click “Gather Profiles” button to populate the right pane.



2. Choose a SIM Profile from the available choices. Select the appropriate SIM Profile and then click

to view a SIM Snapshot Report (example below).

3. When the Report opens, note the toolbar at the top. Here you’ll find icon buttons to Print, Export or Save the SIMreport.

Mutual Fund MPT StatisticsPremium Producers Group has conducted a regression analysis of Mutual Fund performance (mutual funds with 60 monthshistorical data) against 223 indexes and averages provided by Steele Expert. The resulting statistics that were calculated arethe following:

1. RSquared2. Beta3. Alpha

(Continued)



This data is used in many elements within the planning platform. This data can be accessed by clicking “Mutual Fund MPT”icon in the Data Management Tab

section.1. It opens the following form: Click the Search Mutual Fund Data to select the preferred Search method. This form is

available from the Main Form and also from within the New Managed SIMs form.

2. Quick Search provides a simple input screen when you know the ticker symbol of the fund. Enter the Fund symbol

and click to view MPT Stats. Indexes are initially sorted in a descendingorder on RSquared.

3. Advanced Search provides an interface for you to search for the mutual fund of choice by name. Simply select the

Fund Family name > Click to gather funds offered by the Fund Family

into the Fund symbols and fund Names window. Then click to view theMPT Stats.

(See image next page)



External Data – Download or UploadMCP Premium Planning Platform acknowledges the benefits of users sharing index data with each (licensing limitations mayapply). The platform makes it very easy to upload and download index to our server.

This data can be accessed by clicking the button in Data Management Tab selection

The form that opens provides 2 distinct categories of functionality:

1. Upload Data2. Download data

(Continued)



1. Download data use this functionality to store index data on your local computer.

a. Select the appropriate Search Criteria

i. All Available Indexes will gather all index data posted by users.

ii. Index Category will gather all posted indexes within a particular index category.

iii. Search Description allows you to search indexes by a term in the description (i.e. real estate).

iv. Community User allows you to select the indexes uploaded by a particular user (i.e. MitchellMaynard)

b. Fill in an Additional Criteria required for your chosen Search Criteria.

c. Click to gather index information in the Search Results window.

d. Click the row header of the desired index to download. If you would like to view information

regarding the index data, click to view the data table of a chart of the index data.

e. Enter a name for the index on your local computer.

f. Click to download the index data to your local computer’s database.



2. Upload Data use this functionality to upload index Premium Producers Group Server to share with other users.NOTE: You must not upload data that is copyrighted or under a restricteduse license.

a. Select User Defined Index by clicking the row header

b. If you would like to view the data being uploaded click and choose view table or viewchart.

c. Enter Server Index Name the name you want posted for others to review.d. Enter Index description for Server provide a description with keywords that user could use to identify the

type of index you are uploading.e. Select Index Category choose the asset class that is best applicable for the index you are uploading.

f. Click to upload the index data.

Scenario – Index SpansMCP Premium Planning Platform offers users the ability to use individual time periods of historical data for each index.Users can use the Index Time Spans functionality in the SimStudy and ImmStudy. MCP Premium Planning Platform providesthe ability to store Index Time Spans into three different Scenarios. This will allow the user to store specific time period ineach of the three scenarios.

To use this functionality follow the steps below.



Access this functionality from the Main Form

Select Scenario Index Spans from the ‘Data Management’

section.

This will open the following form:

1. The first step is to click to populate the indexes in the program for modification.

After the indexes are loaded onto your computer, select the Scenario Name that you would like to modify > click ‘GatherTime Spans’ button to populate the screen.

2. Edit the Begin_Year and the End_Year for each index you will use and assign to the selected Scenario Name (theexample is editing scenario 1)

3. Once you have edited indexes and would like to save the changes, click and select “Save” from the menu.4. For additional Scenarios, repeat steps 24 to edit and save.



Access this functionality from within the SimStudy Wizard.When working through the SimStudy wizard, you will encounter the ability to gather or save index span inputs. Before usingthis functionality, be sure to perform Step 1 in the Access this functionality from the Main Form section above.

SimStudy Wizard Step

3

To retrieve or save index span inputs use the functionality indicated in the red rectangle, above.

1. To Gather Time Spans

a. Select the Scenario Name

b. Click to retrieve stored Time Spans for the Indexes used within the Portfolio SIM.2. To Save Time Spans

a. Select the Scenario Name

Click to retrieve stored Time Spans for the Indexes used within the Portfolio SIM.

Steele Index DefinitionsMCP Premium Planning Platform uses symbols in the place of names in many areas of the software and indexes importedfrom Steele Mutual Fund Data are no exception. When developing a Managed SIM, you will be asked to choose an index. Ifyou are unfamiliar with the full names of the index symbols, a key is available.

This data can be accessed by clicking the button in ‘Data Management’ tab selection.



You will find this tool is simply a presentation of the following fields:

1. Full_Index_Name2. MCP_Symbol3. Start_Year

Advisor Profile Data for ReportsIn the version 1.6 of the planning platform, the ability to maintain information about the financial advisor and is presentedin the SimStudy “Contemporary” Report.

This data can be accessed by clicking the button in Data Management Tab selection

Clicking the icon will open the following form:



Fields for input:

1. Select Existing Profile for editing an existing Advisor Profile and click or open.

2. Profile Name enter the name of the profile for selecting in SimStudy.

3. Firm Name enter the name of your investment advisory firm.

4. Street Address enter the physical address of your investment advisory firm.

5. City enter the city of your investment advisory firm.

6. State enter the state abbreviation of your investment advisory firm.

7. Zip Code enter the zip code of your investment advisory firm.

8. Disclosure – enter any disclosures you would like to have in the reports; you can also ‘paste’ in text from otherdocuments.

9. Click to save the advisor profile.

10. Click to refresh the list of Advisor Profile choices.



E. Fixed Indexed/Equity Indexed Annuity Analysis

EIA Credit Method RatingsA new, better way to look at hypothetical performance. This proprietary method shifts the focus away from average annualrate of return. Our mathematical “peer group” rating system assigns a Grade (A+ to F) to EIAs for consistency and interestcaptured by applying the factors of beta and correlation over three different market types.

Click on the EIA Ratings icon from the ‘Equity Indexed Annuity’ tab selection.

Clicking the icon will open this form. There are four tools using the Ratings.

1. Ratings Summary Sheet

Click this button(found in the very top left) to launch an MSExcel spreadsheet of the most recent EIACredit Method ratings data. If you arefamiliar with Excel, it should be easy to sortand arrange data in ways meaningful to you.

2. Web EIA Ratings ServiceActive internet connection required. For best results, please set “Internet Explorer” as your default browser. Click this

button to launch a new browser window.



When the browser opens, you are presented with two choices of activities.

Choose an Activity“Credit Method Analyzer” – Lets you run charts and detailed reports on individual EIA product profiles.

“Consolidated Reports” – Lets you see reports of all EIA profiles in our database, sorted by time period.

Credit Method AnalyzerYou will need to make a selection from each of the following dropdown menus:

• “Company Name” – Select an insurance company from the list.

• “Product Name” – Select an EIA Product Profile from the list.• “Credit Method” Select an EIA credit method from the list.

• “Starting Month” – Select a starting month to calculate from. (Default is January.)

“Run Snapshot Report” – Fills in the workspace page field with a details and charts on your selected EIA profile.

For a description of each of the financial terms used, look for the “Definitions” link.

“View Advanced Report” Creates a comprehensive report of your selected EIA Profile, showing all 36 months as chartsand graphs. (*Hint: This Report may take up to a minute to complete; watch the progress bar at the bottom of the InternetExplorer browser window to monitor activity.)

Consolidated Reports• These are simple overviews of our EIA Profile database, grouped by time period and sorted by either

“Company” (alphabetical) or by their EIA Ratings Grade. They are very useful for quickly finding bestgradedproducts.

3. EIA Comparison Analysis

Click this button which will open a new workspace window.

(Continued)

On the righthand side of the form, click the “Clear” button remove the default data from the pane.



On the left side of the form, select a Company Name from the dropdown box.

Then, select a product by clicking the far left end of the row so that the whole row is highlighted. Click “Add”. To view howthat profile is configured (such as caps, spreads, etc.) click “View Profile Data”.

Your selections will show up in the right side pane, and the program will keep count of items added. You are allowed amaximum of 15 items to review side by side. When all your items have been added, choose your historical time period fromthe very top tool bar:

Click the “Run Analysis” button and watch the progress bar as your scenario data is gathered.

Click “OK” when analysis is complete.

Navigate through the various data tabs to “preview” the results of your scenario. To view how any particular EIA isconfigured, highlight it and click “View Profile Data” button in the bottom left.



To create a printable report, click “Create Comparison Report” button at the bottom right.

4. Create an EIA Profile Ratings ReportUse this section to create a multipage report showing one selected EIA over each of the three time periods (bear, bull, last10 years) with all 36 starting months.

Use only the options found withinthe red area indicated at the left.

1) Select Company Name from menu

2) Select EIA Profile

3) Click “View Profile Data” if youneed to see details

4) Type in Advisor Name

5) Click “Create EIA Ratings Report”button.

EIAnalystLiteInternet connection required. Also known as the “Income Planning Suite”, this tool includes online versions of HyStudy(“EIAnalystLite”) for historical hypotheticals and ImmStudy (“ImmStudyLite") for a 3phase income plan. Launch byselecting from the “Equity Indexed Annuity Analysis” tab. For best results, use “Internet Explorer” as your browser.



Income Planning Suite: EIAnalystLite

After clicking this option, you will be directed to the workspace page that allows you to create your comparisons, using thefollowing fields.

Part 1 – Set up your comparison scenario:

“Company or Item” – Select either a Company or ‘Stock/Fixed Indexes’. (*Hint: The companies thatdisplay here are dependent on those your organization has made available to you.)

“Product or Item” – Depending on your choice made above, select an EIA Product, Stock Index, or FixedRate. Stock Indexes do not include dividends. (*Hint: EIA Products that display here may depend on thoseyour organization has made available.)

“Credit Method” Depending on your choice made above, select an EIA credit method, a stock index, or afixed rate percent. Stock Indexes do not include dividends. (*Hint: EIA Profiles are listed with a ‘TickerSymbol’ abbreviation and description; ONLY the ‘Ticker Symbol’ will show on the Reports.)

“Historical Period” – Select a time period. (*Hint: Note the Ending Date of the data.)

“Initial Premium” – Type in the total premium. (*Hint: Enter only numbers or an error message willappear.)

“Run Simple Report” – Creates a 1page summary comparison. (*Hint: This report may take several moments tocomplete; watch the progress bar at the bottom of the Internet Explorer browser window to monitor activity.)

“Run 7page Report” Creates a comprehensive 7page comparison. (*Hint: This Report may take up to a minuteto complete; watch the progress bar at the bottom of the Internet Explorer browser window to monitor activity.)

Part 2 – Set up advanced scenario (withdrawals):

“Client Name” – Type in the client name as you would like it to appear.

“Annual withdrawal” – Type in the ANNUAL dollar amount to be taken out. (*Hint: Enter only numbers oran error message will appear.)

“COLA adjustment” – Optional. A ‘Cost of Living’ or ‘inflation’ factor that increases the withdrawalamount each year.

“Run Advanced Report” Creates a comprehensive 9page comparison. (*Hint: This Report may take over aminute to complete; watch the progress bar at the bottom of the Internet Explorer browser window to monitoractivity.)



Viewing the EIA Profile Rating Report: If you have selected an EIA Credit Method, you can view the latest EIA Profile RatingReport for that method by clicking the “View EIA Profile Rating’ button. This is a comprehensive Report that features the“PPG Grade” system of “A+” through “F“ for EIA crediting method performance.

Income Planning Suite: ImmStudyLiteImmStudyLite creates a structured 10year retirement income plan, with guaranteed income from annuities in twofiveyear phases while other assets grow deferred in an indexed annuity.

Income Plan Details

1.) Client Full Name = type as you want to appear on the report. DO NOT use symbols (such as &, *, #, , etc.) oryou will get an error when the report runs.

2.) Available Assets = the total dollar amount the client is committing to this plan.

3.) Required Income (Annual) = the total dollar amount desired from these assets.

Phase 1. SPIA (5 year)

1.) Company Name = type as you want to appear on the report. DO NOT use symbols (such as &, *, #, , etc.) oryou will get an error when the report runs.

2.) Product Name = type as you want to appear on the report. DO NOT use symbols (such as &, *, #, , etc.) or youwill get an error when the report runs.

3.) Annual Income = (autocompleted) automatically uses the amount entered above.

4.) Required Premium = enter the premium deposit required to create the income.

HINT: Obtain a SPIA and MYGA quote from the insurance company or your broker.

Phase 2. SPDA (5 year)

1.) Company Name = type as you want to appear on the report. DO NOT use symbols (such as &, *, #, , etc.) oryou will get an error when the report runs.

2.) Product Name = type as you want to appear on the report. DO NOT use symbols (such as &, *, #, , etc.) or youwill get an error when the report runs.

3.) Annual Income = (autocompleted) automatically uses the amount entered above.

4.) Required Premium = (autocompleted) automatically uses the amount entered above.

5.) Interest Rate = Obtain a SPDA rate quote from the insurance company or broker.

6.) Required Premium Now = (autocompleted) automatically calculated for you.

Phase 3. Deferred EIA (10 year)

1.) Available Assets (from above) = autocompleted.

2.) Income Premium (Phase 1 + 2) = autocompleted. The total used for guaranteed income.

3.) Balance to EIA = autocompleted. (The remainder of Available Assets.)

4.) Company Name = Choose an Insurance company from the dropdown list.

5.) Product Name = Choose a product from the dropdown list.

6.) Crediting Method = Choose a crediting method from the dropdown list.

7.) Historical Period = Choose a time period to be used as the basis for growth projections.



To create the plan, click the “Create Income Plan” button.

F. Minuteman Asset ManagementThe Minuteman is a web based software program for the automated minutebyminute monitoring and variancerebalancing of ETF portfolios. Low cost and low touch, the program is perfect for advisors who believe in index investing.

Minuteman Asset Management ProgramThis is a link to the Minuteman web site page for general information and PDF brochures.

Minuteman Monitor ProgramThis is a link to the Minuteman advisor “Admin” web site page. Login username and password required.

Minuteman PresentationThis is a link to the Minuteman clientready PowerPoint presentation.

Minuteman Monitor Demo SiteThis is a link to the Minuteman web site page that demonstrates the portfolios and functions.

G. Additional ToolsMCP Premium Planning Platform provides a number of ancillary tools that complement the core functionality.

Send an Email to SupportOpens the following form:

This is the same form used for capturing errors for submission totechnical support. Input any questions or comments that you wouldlike addressed by the technical support group.

Then click to submit the emailcommunication. If you would like a copy of the email to be sent to

you, click to check the box.



ToolsThis is a group of analytical tools to assist in presentation of concepts. Clicking the icon opens the following form:

>Opens MS Excel worksheet that provides filtering and sorting abilities of the EIA Ratings data.

>Opens MS Excel worksheet providing analysis of Monte Carlo Simulations for fixed interest rates.

>Opens a form thatexplains and illustrates Monte Carlo asapplied within the platform. (See below)

Click large button at bottom to open ademonstration form.

(See image on next page)



Click to demonstrate randomly generated Returns.

>Opens a form that provides analysis and illustration of rising interest rates on Bond Values.

(See image next page)



Calculator Inputs:

1. Account Value enter the value of the bonds.

2. Current Yield enter the bond’s coupon rate. In the event you are analyzing a collection of bonds (i.e. bond mutualfund), use the average coupon rate.

3. Years Until Maturity enter years before maturity. In the event you are analyzing a collection of bonds (i.e. bondmutual fund), use the average maturity.

4. Interest Rate Change enter the assumed change in interest rates + or .

5. Click to calculate.

6. Click to print.

7. Click to export the chart to MS Excel, .BMP or .PDF formats.



Crystal Reports ViewerUse this utility to view reports saved in this format. Clicking the icon opens a large empty form. Click “Open Crystal Report”and navigate to the report you want, and then click “Open”.

View PowerPoint PresentationsSeven PowerPoint presentations are here to assist with presenting key concepts of retirement modeling and index investingto your clients and/or other advisors. Clicking the icon opens a form with “thumbnails” of each presentation.

Choose your preferred method to open aPowerPoint.

“Viewer” button – opens presentation inPowerPoint Viewer (not editable).

“PowerPoint” button – launches yourPowerPoint program and opens thepresentation (editable).

“Open MS PowerPoint Files” – opens awindow where you can locate otherPowerPoint files on your computer.



Document BuilderThis is a very nice word processor program with functions to allow you to create and save your own documents.

Quick Menu

This “shortcut” menu contains links to the modules in the Suite.Here they are arranged by topic. Click any ‘+’ sign to expand thetree for more options.



MCP Communications

This is a menu of comments and messages from the programdeveloper regarding new features, functions and notes onupgrades.

Select a Subject, and then click the “Read Entire Message”button to view.

H. APPENDIX

About our Monte Carlo algorithmOur software uses the linearcongruential method to generate pseudorandom numbers according to a specificmathematical formula called an algorithm. This algorithm is found in Microsoft Visual Basic's RND function. The selection ofthe value for the variable for each iteration is random. But, the permitted values of the variable are not random. They arecarefully constructed using the best knowledge as to how the variable behaves. To ensure a different sequence each time asimulation is run, we first employ a Randomize statement, so the starting point or 'seed' number will always be different.

For full technical details of this algorithm, please see the Microsoft Knowledge Base Article 231847 athttp://support.microsoft.com/default.aspx?scid=KB;enus;Q231847

Additional ResourcesOnline Zendesk Knowledgebase: Selfhelp. Troubleshooting common error messages, tips and guides. Searchable.http://torridtech.zendesk.com

MCP Users Group and Forum. This online community for our software users features hints and tips, expanded instructionsand documents, and common questions posted by users. Free but registration is required. http://torridtech.zendesk.com

Education: Association of Insurance & Financial Specialists. Online courses on EIA analysis and retirement plan modelingfor advisors. http://associationifs.org

Articles & White papers: MCP Premium web site. Visit http://mcppremium.com/articles.htm

http://support.microsoft.com/default.aspx?scid=KB;en-us;Q231847

http://torridtech.zendesk.com

http://torridtech.zendesk.com

http://associationifs.org

http://mcppremium.com/articles.htm



Contact Torrid Technologies Customer Support at:

Phone: 888.333.5095

Website: www.torridtech.com

Email: support@torridtech.com

http://www.torrid-tech.com


mcpsuite-pro-manual

Documents

portfolio sim

managed sim

fixed annuity sim

manual update

fixed rate sim

index credit method

table of contents user

sim synthetic investment