RETIREMENTPLANNINGBASICS

Gary Chomiak, OwnerRetirement Distribution Specialists

A Sound Retirement PlanBegins By Developing a

Financial Strategy• We IDENTIFY your financial goals• I GATHER & ANALYZE DATA on your current

financial situation• I RECOMMEND a solution to meet your goals• You IMPLEMENT the solution of your choice• We REVIEW progress and make adjustments

We Work TogetherTo

Discover Your Financial Goals

Client ObjectivesThis Analysis Addresses the Following Goals

EDUCATION GOALS

RETIREMENT

SURVIVOR NEEDS

I Collect Facts, Run Data,&

Make Recommendations

Personal DataPersonal Data

PERSONAL DATAPERSONAL DATA

Name Sex Birthdate SS Benefits*

Tom C. Jones M 1/10/1966 Earnings Based

Marilyn B Jones F 1/10/1970 Earnings Based

123 Main Street

Carlsbad, CA 92008

Phone: (760) 555-1111 Fax: (760) 555-2222

*Social Security benefit levels of "Maximum" assume that the worker earned the Social Security maximum earning base in years prior to the

current year and that current earnings stay the same until Normal Retirement Age. "Earnings Based" assumes that the worker has received pay

raises at a rate equal to the national average each year through the current year and that current earnings stay the same until Normal Retirement

Age.

Dependents Birthdate SS Until Age

Melissa 1/2/1995 18

Neal 2/2/2005 18

OCCUPATIONOCCUPATION

Tom

Job Title: Warehouse Manager

Employer: Atlas Computers, Inc. Phone: (760) 555-3333 Ext -

3234 Avenida del Alba Fax: (760) 555-4444

Carlsbad, CA 92009

Marilyn

Job Title: Marketing Director

Employer: San Diego County Medical Center Phone: (858) 555-1111

13355 Granite Creek Road Fax:

San Diego, CA 92128

Tom and Marilyn JonesPresented by: Gary Carl Chomiak

This Data is used strictly for illustrative purposes only

You’ll Choose a Solution&

Implement It

Retirement Distribution DetailsRetirement Distribution DetailsMeeting Your Needs with the Retirement Portfolio

In the analysis, withdrawals were made from your retirement assets for two reasons:

1. Required Minimum Distributions: For each qualified account, (e.g., 401(k)), the IRS requires that you pay out a portion of your funds (and pay the taxes!) starting at age 70!. In this analysis, these distributions were used to pay your retirement income needs after other income sources (e.g., Social Security) have been applied. Excess RMD, if any, was reinvested.

2. Withdrawals to Meet Needs: In years when your needs surpassed your income sources and RMD, the analysis withdrew money from your pool of retirement assets.

Retirement Withdrawals to Meet Needs

Age at 1st Total

Total Distribution Retirement Retirement Balance at

Name RMD Order Withdrawal Withdrawals End of Plan

B of SD Checking $0 1 65 $6,308 $0

Atlas Retirement Plan 0 2 65 879,756 0

Medical Center 403(b) 0 3 66 1,106,944 0

ABC Brokerage 0 4 69 3,152,206 0

B of SD Savings 0 9 73 37,501 0

Tom's Rollover IRA 0 10 73 1,036,315 0

Totals $0 $6,219,030 $0

Tom and Marilyn JonesPresented by: Gary Carl Chomiak

This Data is used strictly for illustrative purposes only

We’ll Review Your Progress&

Make Adjustments

Retirement Analysis ResultsRetirement Analysis ResultsHas the objective been met?

AAnn

nnuu

aa llII nn

cc oo m

mee

Social Security Additional Income Required Distributions

Withdrawals from Assets Retirement Income Objective

$1,400,000

$1,200,000

$1,000,000

$800,000

$600,000

$400,000

$200,000

$07571

7773

7975

8177

8379

--91

--87

7369

--93

7167

8581

6965

8783

8985

6763

6561

--89

Tom's AgeTom's AgeMarilyn's AgeMarilyn's Age

Assuming: Tom's mortality age 90, Marilyn's mortality age 95

Based on the analysis of your retirement income needs, expected income sources and available assets, your objective will be satisfied until age 80. At retirement, additional funds of $3,519,062 will be needed.

Objectives Results Remaining

Successful years of retirement 34 15 19

Capitalized value at retirement* $9,972,802 $6,453,740 $3,519,062

Percent of goal 100% 65% 35%

There are several methods by which you can improve your results: save more, earn more on your savings, retire later, retire on less or reduce other expenses.

These results are hypothetical and are not a promise of future performance.

*Capitalization is a way of treating a series of cash flows as a lump sum, deposited in a hypothetical account with a taxable return of 7.00%. The Results amount includes all after-tax income sources and asset withdrawals applied to the retirement objective.

Tom and Marilyn JonesPresented by: Gary Carl Chomiak

This Data is used strictly for illustrative purposes only

Gary Chomiak, Owner562.405.5482

Serving your retirement planning needs.

garychomiak@earthlink.netP.O. Box 1219, Artesia, CA 90702CA Insurance 0D25026

Securities offered throughQuest Capital Strategies, Inc.

Member FINRA SIPC25231 Paseo de Alicia, Suite 110

Laguna Hills, CA 92653(949) 830-4885