http://www.sixfortyfive.com/temp/ps4/ps4-lv99.srm
Grab that file if you want a PSIV save with all of the proper level 99 stats for every character. It's a hacked save that changes all of the initial stats for every character to their real level 99 stats. In addition to circumventing the lv99 bug, you also get to play through the entire game with an absurdly overpowered party!
Change the name of the file to match that of your PSIV rom. I use Gens to play, so I'm not sure if this format works with other emulators. I used SRAM data instead of savestates for this, so you should be able to load this file on any version of the game (US, JP, beta, hacks, etc).
I haven't played through to make sure that everything is correct, but I'm pretty sure I got it right. (Alys, Chaz, and Hahn all seem to be fine.) There's a slight chance that I may have screwed up the equip stats for some other characters, but this can presumably be fixed by unequipping and re-equipping their weapons and gear when they join the party. Again, I'm pretty sure I got this right, but I haven't double-checked yet.