These forms are intended to provide a framework to help clients estimate their expected expenses and cash flows during retirement.

Estimated Annual Expenses – PDF

Estimated Annual Expenses – Excel

Retirement Cash Flow Data – New Clients

Retirement Cash Flow Data – Current Clients


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For more complete information, including charges and expenses, on the mutual funds/variable annuities offered by the investment companies listed, please refer to the prospectuses available at the sponsor's site or plese request a prospectus from Hermann Financial Services, Inc. by calling 925-831-0200 or email Please read it carefully before you invest.