ADVANCE™ is a proprietary, integrated framework for retirement planning and behavioral investment management. It consists of a twenty-one-step structure built from: 1. The Seven Objective Facts about Money in Retirement™ 2. The Seven Investment Realities for Households in Retirement™ 3. The Seven Required Commitments for Success in Retirement™ --> ADVANCE™ Authored and developed by Matthew Clement, including all proprietary structure, terminology, definitions, narrative explanations, logical order, and behavioral frameworks. Presently licensed to Emerald and used by express permission only. First Use in Commerce: November 17, 2025