CLEARWATER WEALTH PARTNERS Annual Client Meeting Summary | 2016
Annual Client Meeting Summary — Tax Year 2016
Chen Household | Client ID: HHnCHENn001 | Clearwater Wealth Partners
DOCUMENT METADATA
DocID: DOCnMeetingNotesn2016n001
MeetingID: MtgIDn2016Q4n01
IPS Version: DOCnIPSn2016n001
Client: Alex & Sam Chen | HHnCHENn001 | DOB: 1983n05n14 / 1984n11n02
Advisor: Clearwater Wealth Partners | Prepared: January 2017
Dependents: Maya Chen (DOB 2011n08n19) | Eli Chen (DOB 2014n03n07)
KF Refs: KFnMarketOutlookn2016.md
PORTFOLIO SNAPSHOT
YearnEnd AUM: $486,000
Quarterly AUM: Q4: $486K
Allocation: 70% Equity / 28% Fixed Income / 2% Cash (IPSn2016)
S&P; 500 Return: +10.0%
Net Contributions: $48,000
Advisory Fee Rate: 1.00% annual (DOCnAdvisoryAgreementn2016n001)
ANNUAL SUMMARY
The 2016 engagement year established the foundation of the Chen household's wealth management relationship with Clearwater
Wealth Partners. Alex and Sam Chen (DOB 1983n05n14 and 1984n11n02, respectively) onboarded with an initial AUM of
$410,000 in Q1 2016. The investment policy statement (IPSn2016) was executed, targeting a 70% equity / 28% fixed income / 2%
cash allocation consistent with a ModeratenGrowth risk profile (risk questionnaire score 68/100,
DOCnRiskQuestionnairen2016n001).
Three core planning goals were established: retirement readiness (GoalIDn2016n01), education funding (GoalIDn2016n02), and
emergency liquidity (GoalIDn2016n03). The portfolio benefited from a strong equity market (+10% S&P; 500) and a postnelection
'Trump Rally' in Q4. Yearnend AUM reached $486,000 after $48,000 in annual contributions. A December Fed rate hike was
discussed and the fixed income sleeve was positioned defensively in shortntonintermediate duration bonds (UCBIX, UTIPX). No
complex tax planning was triggered in the first year; the household took the standard deduction with AGI of approximately
$213,000.
DECISIONS MADE
Decision IDs: None (initial deployment)
Decision ID Description Date / Window Outcome / Status
— No formal rebalancing trades executed; initial portfolio 2016nQ1 IPSn2016n001
deployed Q1 2016. implemented at
onboarding
DOCnMeetingNotesn2016n001 | Client: Chen Household (HHnCHENn001) | CONFIDENTIAL Page 1

CLEARWATER WEALTH PARTNERS Annual Client Meeting Summary | 2016
LIFE EVENTS & UPDATES
Event IDs: Onboarding / foundation year
Event Description / Impact
None specific Onboarding year. Alex & Sam Chen establish relationship with Clearwater Wealth Partners. Initial AUM
$410K; endnofnyear AUM $486K after contributions and market returns.
RECOMMENDATIONS
Rec IDs: GoalIDn2016n01, GoalIDn2016n02, GoalIDn2016n03
Rec / Goal ID Description Status
GoalIDn2016n01 Retirement readiness goal established (target ~age 60, ~$185K/yr after tax). Established
GoalIDn2016n02 Education funding goal established (529s targeted for Maya and Eli). Established — 529s
to open later
GoalIDn2016n03 Emergency liquidity goal: 6n9 months expenses in cash/equivalents. Established
TAX TOPICS DISCUSSED
Tax Topic IDs: None
Topic Summary
— Baseline year. Standard deduction. Wn2 income $205,000. Net capital gains $3,500. Interest/dividends
$1,200. AGI approx. $213,000. No complex tax planning required in first engagement year.
ACTION ITEMS
Task ID Description Owner Due Date Status
TaskIDn2016Q4n001 Complete beneficiary designations on all accounts. Client 2016n12n31 Completed
TaskIDn2016Q4n002 Deliver IPSn2016 signed copy to client file. Advisor 2016n12n15 Completed
TaskIDn2016Q4n003 Schedule 2017 Q1 review meeting. Advisor 2017n01n15 Completed
PROSPECTS & REFERRALS
No active prospects or referrals recorded for this period.
CONFIDENTIAL — For the exclusive use of Alex and Sam Chen and authorized Clearwater Wealth Partners personnel. This document contains
synthetic/demo data created for illustration purposes only. Not investment advice. © 2017 Clearwater Wealth Partners. All rights reserved.
DOCnMeetingNotesn2016n001 | Client: Chen Household (HHnCHENn001) | CONFIDENTIAL Page 2
