Personal Information

I. Savings

Total

II. Debt Payments

Total

III. Fixed Expenses(Homes)

Taxes
Insurance
Total Fixed Expenses

IV. Variable/Fixed Expenses

Bills
Transportation
Food

Total Variable/Fixed Expenses

V. Discretionary Expenses

Total Monthly Outlay

I. Savings II. Debt Pay
III. Fixed Expenses IV. Variable / Fixed Expenses
Discretionary Expenses
Total

Cash Flow Study

Gross Monthly Income
Monthly Savings (-) (Total from Section I)
Monthly Savings (-) (Total from Sections II, III, IV, & V)

If Net Monthly Cash Flow is a negative number, then your monthly expenditures and savings exceed your gross monthly income. A Negative Cash Flow may lead to increased debt and a loss of wealth building potential over your lifetime. In order to balance your budget, you should seek to decrease debt balances and/or reassess expense allocations. Ask your financial representative if a Cash Flow Management Study is appropriate to use in your financial situation.

If Net Monthly Cash Flow is a positive number, then your monthly expenditures and savings are less than your gross monthly income. This means that you may be able to use more monthly income to reduce debt and/or increase savings or lifestyle. This type of positive cash flow, if continued, provides a potential opportunity for wealth building and the realization of meeting financial needs, goals and desires.

Savings Study

For many people, a savings rate of atleast 15% of gross annual income is considered to be appropriate for long-term financial well-being. To provide for increases in quality of life, retirement, college education, and other needs and desires, a dedicated savings plan is necessary. An annual savings rate of atleast 15% helps to account for future wealth eroding factors such as taxes, technological change, plan obsolescence, inflation, and unknown variables. Without proper consideration of such factors, individuals may not reach their financial needs, goals or desires. Your financial representative will help you develop an appropriate and effective savings strategy.

Gross Monthly Income
Savings Target (-)(15% of Gross Monthly Income)
Monthly Savings (-)(Total from Section I)

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Dear Kris Miller: Re a referral of Velma Stengel:   Here is the story for you to share. Velma Stengel my sister lost her Husband of 59 years in March. She had mentioned to me that some neighbors said she needs to se...
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2015-07-22T23:21:38+00:00
Dear Kris Miller: Re a referral of Velma Stengel:   Here is the story for you to share. Velma Stengel my sister lost her Husband of 59 years in March. She had mentioned to me that some neighbors said she needs to se...
Read More..

Kris Miller has the ability to explain planning for retirement in a way we can all understand and prepare. – Patricia Fripp
2014-11-14T02:26:09+00:00
Kris Miller has the ability to explain planning for retirement in a way we can all understand and prepare. – Patricia Fripp

Having a Living Trust will take a lot of stress out of our lives” - Mr. Randal, CA
2014-11-14T02:27:13+00:00
Having a Living Trust will take a lot of stress out of our lives” - Mr. Randal, CA

Dear Kris Just a short note to tell you how much I appreciate your advice to invest in American Equity it is making my life much easier Sincerely - Patty Matheis
2014-11-14T02:27:43+00:00
Dear Kris Just a short note to tell you how much I appreciate your advice to invest in American Equity it is making my life much easier Sincerely - Patty Matheis

“I would like to say ‘Thank You’ for the professional and personal way you took care of my estate planning and also my investments.” – Coleva A. Rogers
2014-11-14T02:28:34+00:00
“I would like to say ‘Thank You’ for the professional and personal way you took care of my estate planning and also my investments.” – Coleva A. Rogers

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