I need assistance with questions 2-14.
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Hello, I attached all forms needed. I need assistance with questions 2-14.

1.pdf
2.pdf
3.pdf
4.pdf
5.pdf
6.pdf
7.pdf
Case Questions.pdf
Financial Plan Excel Sheets.xlsx
CLIENT DATA
Client 1
DOB
SSN
Age
Desired Retirement Age
Full Retirement Age
Life Expectancy
Cell Phone
Home Phone
Office Phone
Email Personal Information
Client 2
DOB
SSN
Age
Desired Retirement Age
Full Retirement Age
Life Expectancy
Cell Phone
Home Phone
Office Phone
Email
Address Street
Apartment #
City
State
Zip Code
Children/Dependents
Child #1
DOB
SSN
Age
Child #2
DOB
SSN
Age
Child #3
DOB
SSN
Age
Child #4
DOB
SSN
Age CLIENT OCCUPATION AND INCOME DATA
Client 1 Employer
Job Title
Annual Salary
Self-Employment Income
Bonus
Total Income
$ Occupation
Client 2 Employer
Job Title
Annual Salary
Self-Employment Income
Bonus
- Total Income $ - CLIENT SPECIFIC ASSUMPTIONS
Growth Rates
Inflation Before Retirement
Inflation After Retirement
Salary Inflation Rate
Savings Growth Rate
Estate Planning Growth Rate Retirement
Social Security Full Retirement Age Client 1
Social Security Full Retirement Age Client 2 Taxes
Tax Filing Status
arried Filing Jointly
Federal Marginal Tax Bracket
Federal Standard Deduction Amount
$24,000
Federal Exemption Amount
Total Number of Federal Exemptions
Number of Child Dependents Under Age 17
Number of Child Dependents Over Age 17
State Marginal Tax Bracket
State Deduction Amount
State Exemption Amount
Tax Credit Amount
Number of State Exemptions
Federal Income Taxes Withheld
State Income Taxes Withheld
Other Taxes Paid
Mortgage Interest Paid This Tax Year
Charitable Donations
FICA Taxes Withheld
Medicare Surcharge Exempt Income
Client 1's Amount of Fringe-Benefits Excluded from FICA
Client 2's Amount of Fringe-Benefits Excluded from FICA 2018 Estate Tax Assumptions
FEDERAL ESTATE TAX CREDIT CALCULATION
Federal Estate Exclusion Amou $11,200,000
Federal Estate Tax Credit
$4,425,800 2018 ESTATE TAX RATES
Upper Limit
Tax on Base
Marginal Tax Rate
$0
$10,000
$0
18%
$10,001
$20,000
$1,800
20%
$20,001
$40,000
$3,800
22%
$40,001
$60,000
$8,200
24%
$60,001
$80,000
$13,000
26%
$80,001
$100,000
$18,200
28%
$100,001
$150,000
$23,800
30%
$150,001
$250,000
$38,800
32%
$250,001
$500,000
$70,800
34%
$500,001
$750,000
$155,800
37%
$750,001
$1,000,000
$248,300
39%
$1,000,001
$345,800
40% Lower Limit 2018 Income Tax Assumptions
2018 STANDARD DEDUCTIONS
Standard DeducDeduction for those Over Age 65
Married Filing Jointly
$24,000 $
25,300
Single
$12,000 $
13,600
Married Filing Single
$12,000 $
13,300
Head of Household
$18,000 $
19,600
Widow(er)
$12,000 $
13,600
Is Client Age 65 or Older
No
Standard Deduction
$24,000
Age Adjusted Deduction
$25,300
2018 JOINT RETURN TAX RATES
Upper Limit
Tax on Base
Marginal Tax Rate
$0
$19,050
$0
10.00%
$19,051
$77,400
$1,905
12.00%
$77,401
$165,000
$8,907
22.00%
$165,001
$315,000
$28,179
24.00%
$315,001
$400,000
$64,179
32.00%
$400,001
$600,000
$91,378
35.00%
$600,001
$161,378
37.00% Lower Limit Lower Limit 2018 SINGLE RETURN TAX RATES
Upper Limit
Tax on Base
Marginal Tax Rate
$0
$9,525
$0
10.00%
$9,526
$38,700
$953
12.00% $38,701
$82,501
$157,501
$200,001
$500,001 $82,500
$157,500
$200,000
$500,000 $4,453
$14,089
$32,089
$45,689
$150,688 22.00%
24.00%
32.00%
35.00%
37.00% 2018 MARRIED FILING SEPARATELY TAX RATES
Lower Limit
Upper Limit
Tax on Base
Marginal Tax Rate
$0
$9,525
$0
10.00%
$9,526
$38,700
$953
12.00%
$38,701
$82,500
$4,453
22.00%
$82,501
$157,500
$14,089
24.00%
$157,501
$200,000
$32,089
32.00%
$200,001
$300,000
$45,689
35.00%
$300,001
$80,688
37.00% 2018 HEAD OF HOUSEHOLD TAX RATES
Lower Limit
Upper Limit
Tax on Base
Marginal Tax Rate
$0
$13,600
$0
10.00%
$13,601
$51,800
$1,360
12.00%
$51,801
$82,500
$5,944
22.00%
$82,501
$157,500
$12,698
24.00%
$157,501
$200,000
$30,698
32.00%
$200,001
$500,000
$44,297
35.00%
$500,001
$149,297
37.00% 2018 WIDOW(ER) TAX RATES
Upper Limit
Tax on Base
Marginal Tax Rate
$0
$9,525
$0
10.00%
$9,526
$38,700
$953
12.00%
$38,701
$82,500
$4,453
22.00%
$82,501
$157,500
$14,089
24.00%
$157,501
$200,000
$32,089
32.00%
$200,001
$500,000
$45,689
35.00%
$500,001
$150,688
37.00% Lower Limit 2018 FICA ASSUMPTIONS
Social Security Rate
6.20%
Social Security Income Cap
$128,400
Medicare Rate
1.45%
Medicare Surtax Rate
0.90%
Exempt Income for Medicare Su
$200,000
Exempt Income for Medicare S
$250,000 30-Year Amortization Table
Interest rate (APR)
Present value Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41 Starting
Balance
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 Total
Monthly
Payment
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 Interest
Monthly
Payment
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 Principal
Monthly Ending
Payment Balance
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $0.00
$0.00
$0.00
$0.00
$0.00
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321
322
323
324
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326
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328
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331
332
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334
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336
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338
339
340
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343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360 $0.00
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$0.00 REFINANCE ALTERNATIVES
Closing Cost Scenario
Current Balance of Mortgage
Term (Years)
Rate
Closing Costs
Amount Financed
New Payment
Old Payment Paid in Cash
Rolled into Loan
Paid in Cash Monthly Savings vs. Current Payment
Annual Savings
Breakeven (in Months)
Total Costs (Value of Payments + Closin $0.00
#NUM! $0.00
#NUM! $0.00
#NUM! #NUM!
#NUM!
#NUM!
#NUM! #NUM!
#NUM!
#NUM!
#NUM! #NUM!
#NUM!
#NUM!
#NUM! ERNATIVES
Rolled into Loan Paid in Cash Rolled into Loan $0.00
#NUM! $0.00
#NUM! $0.00
#NUM! #NUM!
#NUM!
#NUM!
#NUM! #NUM!
#NUM!
#NUM!
#NUM! #NUM!
#NUM!
#NUM!
#NUM! PERSONAL INCOME (H)
Wages
Other Compensation
Taxable Income
Federal Income Tax Withheld
Social Security Wages
Social Security Tax Withheld
Medicare Wage and Tips
Medicare Tax Withheld
Qualified Plan Contributions*
Medical Insurance Contributions*
Disability Insurance Contributions*
State and Local Taxes Withheld
Wages for Household Purposes $ - $
$ 128,400
7,961 $ 8,034 $ (7,961) * Pre-Tax Contribution PERSONAL INCOME (W)
Wages
FICA Taxes $
$ 10,765.00
823.52 BUSINESS INCOME AND EXPENSES
Yearly Income
H Business Income
Other Income Dollars
$
Total Income $ Expenses & Payments
Travel
Meals with Clients
Professional Services
Office Expenses
Employee Expenses
Las Vegas Office Lease
Florida Office Lease
Las Vegas Car Lease
Florida Car Lease
Insurance Expenses
Plane Timeshare
Misc. Tax Deductible Business Expenses
Total Expenses
$
Net Taxable Income
$
FICA
Employer Element of FICA
Federal Tax Withholdings
Income After Federal Withholdings
$
State Income Tax Withholdings
Earnings Contributed to Business Brokerage Account
Net Transfer to Household Account
$
Note: Expenses are paid using American Express - - - - Income
Las Vegas Rental Income
Florida Rental Income
Expenses
Las Vegas
Mortgage
Insurance
Tax
Condo Fees
Florida
Mortgage
Insurance
Tax
Condo Fees
Net Income $0 $0 $0 $0 DISCRETIONARY CASH FLOW WORKSHEET
Yearly Income Recommende
d Current Salary Client One
Salary Client Two
Qualified Cash Dividends
Taxable Interest Received
Tax-Free Interest Received
Short-Term Capital Gains
Long-Term Capital Gains
Client One Business Income
Client Two Business Income
LLC Rental Business
Client One Bonus Income
Client Two Bonus Income
Pension Income
Social Security Income
Group Benefit Income (Sec 79)
Other Income $
$ - $
$ - Total Income $ - Dedicated Yearly Expenses $ - Recommende
d Current Mortgage Payment
Automobile Payment(s)
Home Equity Loan
Student Loan(s)
Credit Cards Loan Payment Total $ - $ - - $ - Tax Total $ - $ - $ - $ - Savings Total $ - $ - Life Insurance
Disability Insurance*
Medical Insurance*
Long-Term Care Insurance
Homeowner's Insurance
Automobile Insurance
Group Benefit Insurance
Condo Fees
Umbrella Liability Insurance Insurance Total $ Federal Income Taxes Paid
State Income Taxes Paid
FICA Paid
Real Estate Taxes Paid
Personal Property Taxes Paid
Other Taxes Paid
Regular/Allocated Savings
Unallocated Savings
Reinvested Div/CG/Interest
Retirement Plan Contributions*
After-Tax Retirement Savings
*Pre-Tax Expenses Discretionary Yearly Expenses Recommende
d Current Electricity/Utilities
Other Household Utilities
Telephone
Cable/Satellite TV
Other
Other Utility Total $ - $ - Home Expense Total $ - $ - - $ - - $ - - $ - $
$
$ - Recommended
$
$
$
- Discretionary Cash Flow $ - $ - $ - $ - $
$
$
$
$
$
$ - Recommended
$
$
$
$
$
$
$
- Emergency Items Total $ - $ Home Maintenance & Repair
Home Improvements
Other Home Expenses
Food at Home
Clothing
Laundry
Child Care
Personal Care
Automobile Gas & Oil
Automobile Repairs Daily Living Expense Total $
Non-Auto Transportation
Bank Charges
Entertainment & Dining
Recreation & Travel
Club Fees & Dues
Hobbies
Gifts & Donations Other Expense Total $
Unreimbursed Medical Expenses
Miscellaneous Expenses Miscellaneous Expense Total $
Discretionary Cash Flow
Current
Total Income
Total Dedicated Expenses
Total Discretionary Expenses
DCF + Unallocated Savings Emergency Items
Current
Loan Payment Total
Insurance Total
Real Estate Taxes
Personal Property & Other Taxes
Utility Total
Daily Living Expense Total
Miscellaneous Expenses - Financial Ratios
Housing Costs to Gross Income
Housing Costs + Other Debt Pmts to Income
Savings to Gross Income (Savings Ratio)
Emergency Fund Ratio
Monetary Assets
Current Living Expenses Ratio
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0! Goal
<28%
<36%
>10%
>6 Pass
###
###
###
### BALANCE SHEET WORKSHEET
Assets Recommend
ed Current Cash
Checking Accounts
Savings Accounts
Certificates of Deposit
Money Market Funds
Other Monetary Assets Monetary Asset Total $ - $ - $ - $ - Housing Asset Total $ - $ - Vehicle Asset Total $ - $ - Personal Property Asset Total $ - $ - Retirement Asset Total $ - $ - Other Asset Total $ - $ - EE/I Bonds
Stocks
Bonds
Mutual Funds
Brokerage Account Investments
Investment Real Estate
Other Investments
Life Insurance Cash Value Investment Asset Total
Primary Residence
Second Home
Third Home
Other Housing
Vehicle One
Vehicle Two
Vehicle Three
Other Automobiles
Artwork
Collectibles
Books
Furniture and Household Goods
Sporting Equipment
Boat
Other Personal Property
Client 401(k)
Spouse 401(k)
Client IRA
Spouse IRA
Other Retirement Assets
Loans and Money Owed
Market Value of Business
Business Assets Liabilities and Debts Recommend
ed Current Current Bills
Other Short-Term Amounts Due Current Liability Total $ - $ - Credit Card Liability Total $ - $ - Housing Liability Total $ - $ - Vehicle Liability Total $ - $ - Other Debt Liability Total $ - $ - Visa Credit Card(s)
MasterCard Credit Card(s)
Discover Credit Card(s)
Other Credit Card(s)
First Mortgage
Home Equity Loan
LLC Rental Mortgages
Vehicle Loan One
Vehicle Loan Two
Vehicle Loan Three
Other Automobile Loans
Lease Liability
College Loans
Life Insurance Policy Loans
Retirement Plan Loans
Bank Loans
Installment Loans
Other Loans Net Worth Calculation
Current
Total Assets
Total Debt and Liabilities Recommended $
$ - $
$ - Net Worth $ - $ - Asset Allocation to Goals
Current
Assets
Assets
Assets
Assets
Assets
Assets
Assets Allocated
Allocated
Allocated
Allocated
Allocated
Allocated
Allocated to
to
to
to
to
to
to Assets Available for Goals
Emergency Fund
Retirement
$
Education
$
Special Goal 1
$
Special Goal 2
$
Special Goal 3
$
Other Needs Unallocated Assets $ Recommended
- $
$
$
$
$ - - $ - Portfolios
Account 1
MNO
Joint
Value
Years Invested
Actual Contribution
Forensic Contribution
Forensic Value
Stocks
Bonds
T-Bills
Hard Assets
Yield
Taxable Yield
Qualified Dividend Yield
Weighted Return
Interest
$
Qualified Dividends
$
Total Interest + Dividen $
Cash Flow Discrepency $
Value Discrepency
$
CF Discrpency by Year
$
Value Discrepency by Ye $
Percent of Total Portfolio
Weighted Return
Rates of Return
Stocks
Muni Bonds
T-Bills
Hard Assets Account 2
Sancho
H 401k
26 Account 3
Maria
W IRA
22 $0
$0 Account 4
ABC
H
15 $0
$264,000 10 $0
$0 $0
$0 75%
15%
5%
5% 80%
0%
0%
20% 25%
50%
25%
0% 20%
60%
20%
0% 0.00%
0.0000%
0.00000% 0.00%
0.00%
0.00000% 0.00%
0.000%
0.00000% 0.00%
0.0000%
0.00000% 0.00%
- 0.00% 0.00% 0.00%
- $
$ - $ - $ - $
$ - - $ - $ - $ - $
$
#DIV/0!
#DIV/0! $
$
#DIV/0!
#DIV/0! Standard Deviation Pre-retirement RoR
Post-retirement RoR
Insurance RoR
Disability RoR
Disability Earnings $
LTC RoR $
$
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Note: There is a cash flo
They should have more
Where has that money g 0.00%
0.00%
0.00%
0.00%
0.00% Account 5
XYZ
H
$ - 15
$0
$0
50%
30%
10%
10% 0.00%
0.0000%
0.00000%
$
$ $
$ - $ - $
$ Retirement 0.00%
- H401k
WIRA #DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
e: There is a cash flow discrepency
#DIV/0!
y should have more assets than they show
ere has that money gone? $
$
$ - #DIV/0!
#DIV/0! #DIV/0!
#DIV/0!
#DIV/0! Federal Tax Planning Estimator Assumption: Gross Income
Long-Term Capital Gains & Qualified Dividends
Pre-Tax Retirement Contributions
Other Pre-Tax Payroll Deductions
Adjustments
Less Exclusions
Reportable Gross Income
Less Deductions for Adjusted Gross Income
Educator Expenses
One-Half Self-Employment Tax
Student Loan Interest
Archer MSA Deduction
Tuition Deduction
IRA Contribution
Keogh Contribution
Other Deductions
Early Withdrawal Penalty
Adjusted Gross Income $
$
$
$
$
$ Number of Children Dependents Under Age 17
Number of Children Dependents Over Age 17
Itemized Deductions
Medical and Dental Expenses
AGI Medical Deduction Requirement
Amount of Deduction
Taxes Paid
Home Mortgage Interest
Investment Interest
Home Purchase Points
Gifts to Charity
Other Deductions
Total Itemized
Standard Deduction
Taxable Income Married Filing Jointly
- $ - $
$...
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Subject: Business, Finance

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