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Introduction describing the contents of Report Services Pages and explaining the rationale (the "Why") of Report Services.


Downloadable Fact Finders, Sample Reports and Order-Form/Invoices for Report Services, individually and as zipped collections.


Announcement of and general information about the nature of Report Services, the reasons to use it, and suggestions on how to combine the service with ownership of MasterPlan.


Step by step instructions on how to use Report Services.

How to Download Fact Finders, Sample Reports, and Order Form/Invoices

MasterPlan includes a department to produce MasterPlan reports for you, whether or not you are a MasterPlan user. To order a MasterPlan report, you must be a financial advisor/professional with the required federal and state legal and certification requirements to give reports to your clients. You must also understand that all projections are estimates and not actual promises. You need to be able to explain the reports to your clients and to advise them according to the provisions of IRS Circular 230, telling them that none of these reports constitute tax advice and that all projections are estimates only. You also need to include the required disclosures.

These reports are all delivered to you as Microsoft Word documents so that you can make any changes that you wish.

All data entry for your clients will be kept in your own personal MasterPlan database. We will email the database to you with the finished reports. When you want to order more reports, you simply email the database back to us, and we continue to add your clients to that database. Your clients will ONLY be in YOUR database. If you are not currently a MasterPlan user and you become one later, you will already have the start of your own database with your own clients.

How to Order One or More Reports

These reports are all delivered to you as Microsoft Word documents so that you can make any changes that you wish.

After determining which reports you want to order for your client, give them the corresponding fact finders. Fill out the Order Form/Invoice and email or fax it to us with payment information. If you have questions, call us at 800.229.5080. If you do not want to email or fax your credit card information, you may call us and give it to us over the phone.

Your client can fill out the fact finders by hand or they can type the answers into the Microsoft Word document. You can then email them to sales@masterplanner.com or scan them and fax them to 707-222-6040.

Note: Are you a consumer and not a financial advisor? Would you like to receive these reports? You can still obtain the reports, even though we cannot produce them for you directly. Contact the financial advisor of your choice (such as your CPA or financial planner, etc.) and ask them to order the reports directly from MasterPlan. They can do so, even if they are not MasterPlan users.

The rest of this page consists mainly of tables separated from each other by section headings.

Order Forms/Invoices

This table includes 3 Excel Worksheets. You may download them separately or together in one zipped file.

Charges for the Stand-Alone Reports may be on a per report basis or charged by the hour. You can download, fill out, and send to us the order form/invoice that you wish.

Charges for the Present Projection (Baseline Scenario) and Proposed Projection (What-If Scenario) Reports can only be by the hour because the time will depend on how detailed you want us to be. You can download, fill out, and send that order form/invoice to us.

Order Form/Invoice

Charge Option

For Stand-Alone Reports

By Report

For All Reports

By Hour

All Report Services Invoices/Order Forms and Available Graphs List in a Zipped File

As Appropriate

List of Available Graphs

Graphs may be included as standard deliverables in Stand-Alone Reports or in reports charged for by the hour.

MasterPlan can produce an almost unlimited number of graphs to illustrate the reports, because in addition to the 62 pre-defined graphs, we have ad hoc graphs which can include projections of 23 different items or contrast 2 or more of them with many presentation methods. The List of Available Graphs itemizes the pre-defined graphs for you and lists the types of projection data that may be contrasted.

The predefined graphs include those for Graphs for Stand-Alone Worksheet Reports, Portfolio Listings, and some for Present Projection (Baseline Scenario) Reports, Proposed Projection (What-If Scenario) Reports, and reports comparing a Present Projection (Baseline Scenario) with a Proposed Projection (What-If Scenario).

The ad hoc graphs allow you to compare any of 23 different Projection Report figures for Present Projections (Baseline Scenarios), Proposed Projections (What-If Scenarios), or both.

See the Available Graphs List to discover how flexible MasterPlan's graphing tool is for both predefined and ad hoc graphs.

Available Graph List

Link for Download of List of Available Graphs. Also included with Invoice/Order Forms in the above table.

Fact Finders and Report Samples for Stand-Alone Worksheet Reports

In this table, we have combined both fact finders (in the left-most column) with the corresponding sample reports (in the right-most column). You can download them separately or all together in the zipped files at the end of the table.

Fact Finder Link

Fact Finder and Report Description

Sample Report Link

Basic Client Information

Fact finder collects personal client information such as names, birth dates, address, phone number, etc.


Personal Residence

If you know the clients’ Gross Income, we can produce this timely report to illustrate changes that might occur if they qualify for a loan modification.

Loan Modification Sample

Business Valuation

This report looks at a business in several different ways. After calculating the weighted average earnings, it calculates the capitalization of earnings and the straight capitalization of earnings. It then adds in the book value and the owner’s estimate of value to estimate an average business value.

Business Valuation Analysis

Disability Insurance Worksheet

This report will help the clients identify a need for additional income over the next five years should one of the wage earners become disabled.

It lists the income requirements for living expenses, extraordinary living expenses, and loan, property, and other expenses.

It then lists the sources of income including Social Security income, state disability, accrued sick leave, employer provided disability, individually owned disability, earned income, and investment income.

Note: If the clients’ situation has been entered in detail, the program can estimate many of these items, or the clients can enter these on the fact finder. The fact finder provides space for the clients to list the potential sources of income and to describe their current disability insurance policies, if any.

Disability Needs Analysis

Education (College Funding) Worksheet

Page 1 illustrates the assumptions for each child and the college expenses year by year. It also tells the clients how much they would need to invest at the suggested after-tax rates of return as a lump sum, as equal annual, or as equal monthly contributions up through the last year of the last child. You may illustrate up to 12 different rates of return, and they can be in any order.

Page 2 explains the previous page.

Education Expense Analysis

Estate Planning Worksheet

Page 1 divides the estate in terms of property ownership: by the first client, by the second client, jointly, and (if applicable) as community property.

Page 2 estimates the federal estate tax, given certain assumptions about estate growth, expenses, and distributions.

Page 3 estimates the potential costs of settling the estates.

Page 4 is a text description summarizing the total costs, the available cash, and any additional amount possibly needed.

Estate Planning

Life Insurance (Capital Needs) Worksheet

Page 1 of The Capital Needs Analysis helps clients look at life insurance options. Page 1 is divided into three sections.  (1) The “Immediate Cash Flow” section itemizes the sources of immediate cash flow and the immediate expenses. (2) The “Needs by Period” section lists the sources of cash flow compared to assumed living expenses. It gives the monthly needs in constant dollars (today’s dollars). Then it grabs the middle month of each period and shows what that figure would be in inflated dollars. (3)The “Need for Insurance” compares the total needs and the total resources and suggests how much additional life insurance might be needed.

Starting with Page 2, the textual section explains the previous page. As with all MasterPlan reports, the graphs can be placed in any report and in any location in that report.

The fact finder asks the basic questions needed for the report and provides space for the clients to list their current life insurance policies.

Capital Needs Analysis

Personal Residence

Page 1 itemizes the assumptions that have been entered on the property. The report lists various values and expenses related to the house and calculates a year-by-year financial rate of return on their equity. It then compares the costs and advantages of owning this home to the costs of renting a home like this, followed by a net return on equity when these expenses are taken into account.

The textual section on Pages 2 and 3 explains Page 1.

Optional: In the sample report included here, we then entered a proposed (or “what-if”) refinance of the original Loan. Pages 4 and 5 compare various aspects of these two loans. This refinance report actually fits on one page, but we dropped in several graphs to illustrate some of the items over the life of the loan, so we extended it to two pages.

Page 6 is the text report that explains the refinance.

Page 7 is essentially the same report as Page 1, but it applies the new loan to the personal residence in place of the old loan.

Residential Property Analysis

Rental Property

Page 1 lists the assumptions that have been entered on the property. It tracks various values and expenses related to the rental. It also illustrates potential taxable passive income or passive loss, and it calculates a year-by-year financial rate of return.

The text report on Pages 2 and 3 explains Page 1.

Optional: This report can also be run with a proposed (or “what-if”) refinance of the original loan(s) and it can include a refinance report to highlight the differences between the two financing alternatives. For samples of these reports, please refer to the sample Personal Residence Report. The original rental reports can also be run with the proposed financing.

Rental Property Analysis

Retirement Worksheet

This sample Retirement Planning Summary Report is a goal-oriented report that illustrates client assumptions for retirement. In this sample, we assumed that the children’s education would be funded by the same funds as retirement.

We also separated tax-deferred assets (such as IRAs) from taxable assets (such as regular savings, equities, etc.). We could have combined all their money into the Working Capital figure for a quick snapshot.

The report illustrates what the client needs to invest at 3 different after-tax rates of return and how long the money will last at those rates. The planner specifies two of the rates, and the program calculates the third.

The sample Retirement Analysis explains the summary report. (We only included two of the graphs and we pasted these graphs into the textual analysis report.)

Retirement Planning Summary

Retirement Needs Analysis

Other Insurance Policies

If you wish to create the List of Insurance Policy report and/or detail the premiums in the budget report, use this fact finder for the following types of policies: Medical, liability (umbrella), automobile, and home owner’s.

Insurance Coverage Report

All Stand-Alone Fact Finders

To download all the Stand-Alone Fact Finders in one zipped file, click on the link to the left.

To download samples of all the Stand-Alone Reports, click on the link to the right.

All Stand-Alone Report Samples

Additional Fact Finders for Present Projection (Baseline Scenario) Reports

These reports can reflect everything that the clients own, owe, earn, and spend to whatever degree of detail you want included. You can clump groups of similar assets into summary accounts (such as John’s Portfolio), or you can detail each asset within the portfolio according to type. Each asset can have its own rate of return and dividends and capital gain reflections, if you wish. Loans are properly amortized.

In this table and the ones below, we have separated the Fact Finders from the sample reports because there is not a one-to-one correspondence.

You can combine the fact finders from the table below with the fact finders from the Stand-Alone (Worksheet) Reports above. For example, if you want the projection reports to include rental property, the personal residence, etc, please send those in addition to the ones listed in this table.

Additional Fact Finders


Basic Client Information

Be sure to use this fact finder from the list above to collect names, birth dates, address, phone number, etc. for your client.

Earned Income and Living Expenses

Clients can use this fact finder to enter their earned income with cost of living increases for as many years as they plan to work. They can also indicate if they wish to work after retirement. It includes space for Social Security Benefits (if known) and several types of tax credits. Clients can also fill out the detailed budget section, they can ball-park their living expenses, or we can assume they spend everything.

Other Assets and Loans

This fact finder covers assets in addition to the ones listed above in the stand-alone report section. Clients can detail their qualified (tax-deferred) retirement plans, and list their cash and securities accounts. They can even include notes receivable and other property such as collections, jewelry, and vehicles. This form also covers liabilities other than those attached to the personal residence or rental property.

MasterPlan can model non-standard investments such as REITs and limited partnerships. This fact finder includes a place to describe those.

Summarized Input Only

This two-page fact finder allows you to summarize income and adjustments to income without entering any assets or liabilities. The program can then create the Present Projection (Baseline Scenario) Report to give you an idea of what the tax situation might look like. If Page 2 is filled out, then the program can compare the Present Projection (Baseline Scenario) with any changes posed by the Proposed Projection (What-If Scenario).

Zipped MasterPlan Present Projection (Baseline Scenario) Fact Finders

To download all the Present Projection (Baseline Scenario) Fact Finders from this table in one zipped file, click on the link to the left.

If you also want to create some of the stand-alone reports, download those fact finders from the table above.

Present Projection (Baseline Scenario) Report Samples

This table explains the reports and includes downloadable samples, with the zipped file at the end of the table.

Description of Present Projection (Baseline Scenario) Reports

Sample Reports

Using the standard categories of Cash and Equivalents, Marketable Securities, and Notes, this report highlights for all the portfolio assets, the value, growth, yield, total return, per cent of total assets, and the weighted return with subtotals for each category that applies and grand totals for all the portfolio assets.

Asset Allocation Report - End of Second Year

The Balance Sheet Report can be printed for the current projection month or for the end of year for any year from the current year to the last year of life expectancy. The pages can be in any order, but in our sample Page 1 is the formal Balance Sheet, Pages 2-3 are the text analysis of that client’s financial condition, and Pages 4-5 list each asset in each category.

Balance Sheet (Financial Condition Statement)

Section 1 of the Cash Flow Statement (Budget Report) itemizes all cash flow items from January through June; Section 2 itemizes them from July through December with an annual total. Section 3 gives you the annual total for each item with a Percent of Section, a Percent of Expenses, and a Percent of Cash Flow, as appropriate. A pie chart can be included which pictures the breakdown of the various categories of expenses.

Budget Cash Flow Statement for the Current Year

The Financial Projection Report can be created for any period from the current projection year through the clients’ life expectancy. Generally it is run for 5 years at a time, because 5 years fit well on a portrait format. It actually combines several reports into one including taxable income, income tax calculations (including AMT), cash flow, liquidity, retirement plans, net worth, and net worth adjusted by inflation. It distinguishes taxable income from cash flow.

This report integrates the projected effects of the interrelated data, pulling it all into one report. It predicts what the clients’ situation might be if they continue on their current course.

This sample includes the detailed audit trail, the summary page, the textual analysis, and just a few of the available graphs.

In this sample, Pages 1 – 5 are the detailed audit trail with a couple of graphs pasted in. Page 6 is the text analysis of the first year of the projection, and Page 7 is the one-page summary. You can give your clients any selection of these in any order.

If the Fact Finder for Summarized Input & Changes is used, instead of the detailed fact finders, the report can be run with the summary data only.

Financial Projection 2009 -2013

This report is quite different from the goal-oriented Worksheet Retirement Planning Summary and Analysis. This report knows about all the tax calculations from the financial projection reports, but it summarizes the cash flow, net worth remaining, and the inflation-adjusted net worth in a portrait format from retirement until life expectancy. The sample includes a graph which breaks down the expenses.

Present Projection (Baseline Scenario) Retirement Summary

To download all the Present Projection (Baseline Scenario) Reports in a zipped file, click on the link to the right.

Zipped Present Projection (Baseline Scenario) Report Samples

Present Portfolio Report Samples

There are no additional fact finders for these reports, so we have included just the sample reports.

Description of the Portfolio Reports

Sample Report

This report separates the assets by owner and lists some of the data entry items, such as number of shares, per share value, etc. For the liabilities, it includes the data entry items, but it also calculates the current balance of each loan.

Line Item Listing of Assets and Liabilities

Separating Non-Qualified Portfolio Assets from Qualified Assets, this report includes the following information as entered on the database: name, owner, date acquired, units, total cost, gain/loss, annualized dividend, annualized income, yield on cost, yield on value, with subtotals for current value, and % of portfolio.

Investment Performance Summary

For the clients’ portfolio, this report lists the name, units, total cost, growth, yield, total return, annualized income, % of total assets in the portfolio, and the weighted return.

Present Asset Allocation as of Current Projection Date

To download all the Present Portfolio Report Samples in a zipped file, click on the link to the right.

Zipped Present Portfolio Report Samples

Additional Fact Finders for Proposed Projection (What-If Scenario) Reports

This table includes the two additional fact finders that you can use for the Proposed Projection (What-If Scenario) Reports. You would use these to indicate how you want to reposition their investments and liabilities and also to indicate possible changes in income and expenses.

Additional Fact Finders


What-If Changes

This form allows the financial advisor to model what-if sells of assets, what-if buys of additional or replacement assets, new loans, refinances of existing loans, and changes in earned income and/or budget items (or living expenses).

These instructions can then be integrated with the Present Projection (Baseline Scenario) to create a Proposed Projection (What-If Scenario).

Summarized Input

The financial advisor can use this form for reports that can do a quick tax estimation (without doing detailed data entry). If Page 2 is filled out, then a report can be produced to compare the tax and cash flow changes between the Present Projection (Baseline Scenario) and a Proposed Projection (What-If Scenario).

Zipped Fact Finders for What-Ifs and Summarized Input

To download both Fact Finders from this table in one zipped file, click on the link to the left.

Proposed Projection (What-If Scenario) Report Samples

This last table includes the sample reports that look like the Present Projection (Baseline Scenario) Reports, except the What-If reports apply the What-Ifs to the Baseline Scenario.

The Comparison Reports then compare the two scenarios.

The List of Available Graphs By Report concludes with those graphs that allow you to compare the Present Projection (Baseline Scenario) items with the Proposed Projection (What-If Scenario) items.

Description of How Proposed Projection (What-If Scenario) Reports Differ from Those Listed Immediately Above

Sample Reports

Includes the what-if sells & buys to adjust the Present Projection (Baseline Scenario).

What-If Asset Allocation Report - End of Second Year

Incorporates the what-if sells, buys & refinances or new loans to adjust the Present Projection (Baseline Scenario).

What-If Balance Sheet (Financial Condition Statement)

Incorporates the what-if sells, buys, and refinances or new loans, plus changes in earned income and living expenses. In our sample here, we eliminated the monthly pages and just included the annual page.

What-If Budget Cash Flow Statement for the Current Year

Incorporates the what-if sells, buys, and refinances or new loans, plus changes in earned income and living expenses. In addition, graphs can be added which show the Present compared to the Proposed Projections (Scenarios) for various items.

Although we could have included the summary page, we just included the detailed pages.

What-If Financial Projection 2009 -2013

Incorporates the what-if sells, buys, and refinances or new loans, plus changes in earned income and living expenses. We included just a few of the many graphs available.

What-If Retirement Summary

Client Action Plan listing the what-if sells, buys & refinances or new loans for the first two years of the projection.

Personal Action Plan

Comparison Reports

This report can be run for any number of years from now to life expectancy. For example, you can run it for the first 5 years, or the first 45 years (if they are planning to live that long). For three areas (Cash Flow and Taxes, Retirement Plans, and Net Worth) the report compares the aggregate numbers for the Present Projection (Baseline Scenario) with the aggregate numbers for the Proposed Projection (What-If Scenario), and then it shows the delta or changes between the two.

We dropped all the available graphs into this report.

Multi-Year Planning Summary

This report compares the cash flow and tax effects for the Present Projection (Baseline Scenario) and Proposed Projection (What-If Scenario). Normally it is run for 5 year periods any time from the current projection year through life expectancy.

The sample report is three pages long, because we dropped in all of the graphs that could pertain to the report, except for the New Investment Cash Flow graph. Why did we leave this one out? Because we gave the mutual fund all its growth as unrealized gains, the cash flow from the new investment was zero.

We also illustrate that you can type a note to your clients anywhere in any report.

Proposed Projection (What-If Scenario) Plan Effects

If you want to download all the Proposed Projection (What-If Scenario) Reports in one zipped file, then click on the link to the right.

Zipped Proposed Projection (What-If Scenario) Sample Reports

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