Morningstar Equity Style Box % Total Stock Holdings 28 23 41 3,934 % Not Classified 1 1 2 Large Morningstar Fixed Income Style Box % Total Bond Holdings 0 0 0 14.821 % Not Classified 73 3 012 1 1 1 1 Small 12 0 03 Value Blend Growth Mod Ext 0-10 10-25 25-50 >50 0-10 10-25 25-50 50 Portfolio (%) Bmark (%) Cyclical 31.65 33.21 Basic Matls 1.46 2.49 Consumer Cycl 9.80 12.24 Financial Svs 19.94 16.05 Real Estate 0.45 2.43 Use this to respond to the Global Allocation questions. w Sensitive Commun Svs a Energy o Industrials B Technology Defensive Consumer Def Healthcare Utilities 49.03 3.31 6.39 7.51 31.82 42.37 3.47 5.22 10.19 23.49 19.29 9.47 8.95 0.87 24.42 7.64 13.55 3.23 Not Classified 0.03 0.00 Use this to respond to the Global Allocation questions. Preferred Stock 11% Preferred Stock 11% Domestic Large Cap 35% Cash 18% Cash 18% Stocks 46% Bonds 25% Tax-Exempt Investment Grade Taxable High Yield 3% Developed International 7 Taxable investment Grade 20% Domestic Mid Cap 1 Domestic Small Cap 1 Emerging Markets 1% Retirement Accounts: $1,695,800 Taxable Investment Accounts: $7,511,700 Schwab Checking Account: $1,217,150 Total: $10,424,650 . Does the equity allocation exhibit any tilts or biases within size, style, or industry? If so, list and describe one example and how you might recommend a change. What is one simple recommendation that could be made to increase the expected return of the portfolio over the long-term? In other words, are there any assets currently held that have an expected return that is either zero or negative? If so, what and how could this be corrected? Describe the allocation in terms of risk assets (stocks) versus safe assets (bonds and cash) in percentage terms. . Based on the expected returns of the asset classes held, what objectives would this allocation be appropriate in achieving (i.e., preservation, appreciation, etc.)? Morningstar Equity Style Box % Total Stock Holdings 28 23 41 3,934 % Not Classified 1 1 2 Large Morningstar Fixed Income Style Box % Total Bond Holdings 0 0 0 14.821 % Not Classified 73 3 012 1 1 1 1 Small 12 0 03 Value Blend Growth Mod Ext 0-10 10-25 25-50 >50 0-10 10-25 25-50 50 Portfolio (%) Bmark (%) Cyclical 31.65 33.21 Basic Matls 1.46 2.49 Consumer Cycl 9.80 12.24 Financial Svs 19.94 16.05 Real Estate 0.45 2.43 Use this to respond to the Global Allocation questions. w Sensitive Commun Svs a Energy o Industrials B Technology Defensive Consumer Def Healthcare Utilities 49.03 3.31 6.39 7.51 31.82 42.37 3.47 5.22 10.19 23.49 19.29 9.47 8.95 0.87 24.42 7.64 13.55 3.23 Not Classified 0.03 0.00 Use this to respond to the Global Allocation questions. Preferred Stock 11% Preferred Stock 11% Domestic Large Cap 35% Cash 18% Cash 18% Stocks 46% Bonds 25% Tax-Exempt Investment Grade Taxable High Yield 3% Developed International 7 Taxable investment Grade 20% Domestic Mid Cap 1 Domestic Small Cap 1 Emerging Markets 1% Retirement Accounts: $1,695,800 Taxable Investment Accounts: $7,511,700 Schwab Checking Account: $1,217,150 Total: $10,424,650 . Does the equity allocation exhibit any tilts or biases within size, style, or industry? If so, list and describe one example and how you might recommend a change. What is one simple recommendation that could be made to increase the expected return of the portfolio over the long-term? In other words, are there any assets currently held that have an expected return that is either zero or negative? If so, what and how could this be corrected? Describe the allocation in terms of risk assets (stocks) versus safe assets (bonds and cash) in percentage terms. . Based on the expected returns of the asset classes held, what objectives would this allocation be appropriate in achieving (i.e., preservation, appreciation, etc.)