Option #3

Option #3 is designed to compare a client’s average Portfolio Rate of Return to their Required Rate of Return.

• Portfolio Rate of Return – Equal to the client’s current average Investment Rate of Return.
• Required Rate of Return – Calculated as the lowest average investment rate of return possible without triggering deficiencies. If increases in Rate of Return are required, the software will suggest a portfolio review instead.

Depending on whether the client is in an excess or deficiency situation, the software will calculate what increase or decrease is required to the investment rate of return.This represents a change to retirement, cash, and corporate investments.

*The software will not recommend a negative return for clients with more liquid assets than required.

!Actual text may vary depending on client situation.