Dear Client,

One of the primary concerns facing Americans of all ages is the future cost of living and, more importantly, will there be enough money to send their children to college, retire, and maintain their standard of living?

We recognize these valid concerns and are proud to offer what I believe is by far the most comprehensive software program ever devised to address these very real concerns. This software package, called ESPlanner Pro, was formulated by Boston University Economics professor Laurence J. Kotlikoff. During several recent conversations I had the opportunity to question him at length and was thoroughly impressed by the functionality and relevance of this product.

I am highly recommending it for all of our clients, particularly for those who have children and those who are either retired or considering retirement.

The software allows you to perform ‘stress tests’ on your current income and assets, assume different rates of inflation, healthcare costs, college expenses, a second home, and virtually any other possible life event. The software then derives how much you can spend each year while maintaining a constant standard of living for the rest of your life. While there is never a guarantee when predicting the future, it is my opinion that ESPlanner Pro mitigates as many of the unknowns as possible.

I have purchased an Adviser’s license for the firm so I can offer it to all of our clients. The cost of the analysis is $200 and includes the following:

I will personally gather all relevant information pertaining to your family and run as many simulations as you’d like with different assumptions so you can get an idea of best and worst case scenarios.

All data will be securely retained so if your situation changes (early retirement, having another child, a new home, etc), I can make the appropriate changes and will run the simulation again at no extra cost.

Interpretation of the ESPlanner Pro report and application to your specific financial and investment situation.

If you have any questions about ESPlanner Pro, and what it can do for you, please feel free to contact me and I’ll be happy to discuss it with you personally. I have also created a sample report for anyone who is interested in seeing the power of this software. If you’d like to see it, please email me at the address below and I will send you a copy.

In our continued commitment to full disclosure, Sutton & Associates, LLC has not received, nor will it receive any economic benefit from ESPlanner, Inc., Boston University, or Laurence J. Kotlikoff for offering this software package to you.

With Warmest Regards,

Andrew W. Sutton, MBA

Founder & Chief Market Strategist

Sutton & Associates, LLC

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