Personal Financial Plan for

Jeremy and Gina Delgado-Pritchett

August 4, 2015
Prepared by: Keise Larson, Matthew Medell, Iliana Vega

Table of Contents
TABLE OF CONTENTS ........................................................................................................ 2
OUR PLEDGE ...................................................................................................................... 3
MISSION STATEMENT ...................................................................................................... 4
VISION ................................................................................................................................ 4
FINANCIAL PLANNING ..................................................................................................... 4
COMPENSATION STRUCTURE.......................................................................................... 5
CFP DESIGNATION ............................................................................................................ 5
SUMMARY.......................................................................................................................... 6
TOP SPENDING AREAS ..................................................................................................... 7
MONTHLY DISCRETIONARY VS. NON-DISCRETIONARY EXPENSES ............................ 9
FINANCIAL STATEMENTS ............................................................................................... 10
STATEMENT OF CASH FLOW FOR MR. AND MRS. DELGADO-PRITCHETT ............... 12
FINANCIAL RATIO ANALYSIS ......................................................................................... 14
MORTGAGE ANALYSIS.................................................................................................... 18
PAYING OFF DEBT WITH POWERPAY ........................................................................... 20
EXPLANATION OF HOME, AUTO AND LIFE INSURANCE ............................................ 22
PROTECTING YOUR DEPOSITS ....................................................................................... 24
RETIREMENT NEEDS ANALYSIS ..................................................................................... 25
APPENDIX A: ENGAGEMENT LETTER ............................................................................ 26
APPENDIX B: POWERPAY PAYMENT SCHEDULE ......................................................... 28

Our Pledge
We are delighted you chose our services to assist you with you financial goals, and
objectives. At FundVest Financial, we strive to bring our clients from their current
financial position to achievement of their effective financial goals by providing the
highest level of services and delivering superior long-term financial objectives. We
believe that a well-developed financial plan will enhance your knowledge on decisions
regarding spending, investing, and retirement, both now and in the near future.

Integrity

Our goal is continuously provide services to our clients with honest, ethical, and
concerned manner, respecting our clients opinion and ideas.

Employee Focus

We value the contribution our employees make in achieving our mission and we support
and encourage teamwork and personal development to ensure a high level of
competence, expertise, and satisfaction.

Team Work

We value the contribution that our employees put up in help our company achieve our
mission. Therefore, we strongly support and encourage teamwork as well as personal
development to ensure a high level of satisfaction amongst our employees and
3

customers.

Mission Statement
Our mission is to present our clients with the highest level of services by providing
personalized financial services to families and businesses exceed their financial success.
We focus on helping our clients organize, protect, grow their wealth, and earn our
clients trust. We will always work extremely hard to maintain the highest level of
integrity, and professionalism to enrich the community we serve.

Vision
To be one of the most respected and referred financial services brand in the state of
Texas.

Financial Planning
Despite the negativity and horror stories that sometimes surface when discussing the
subject of financial planning, and financial planners themselves, we are here to assure
you that working with a Certified Financial Planner (CFP) is quite different. We will take
you through a detailed and personalized six step process as follows in order to help you
reach your goals.

Establish the relationship between the CFP and you, the client
Gather data and develop your financial goals
Analyze and evaluate your financial status
Develop and present specific financial planning recommendations
Set your course by implementing the recommendations
Monitoring the plan over time by benchmarking your progress
4

Compensation Structure
There are four different ways that financial planners can be compensated, depending on
the company you work for and your specific designations.

Fee Only
Fee Based
Commission Only
Fee Offset

As CFPs, we fall into the category of receiving fee only compensation, meaning that all
of the money we make off of doing the work we do for our clients comes directly from
our clients. We do not have any sales goals or any other performance based
compensation structures, which allow us to focus solely on the quality of our clients
plans. Fee based financial planners receive a base salary as well as commission
incentives, commission only financial planners are paid by the company they work for
rather than the client, and fee offset planners receive commissions based on a clients
purchase that offsets their base fee. Again, operating as a fee only financial planner is the
cleanest, and most client focused method there is.

CFP Designation
The Certified Financial Planner designation is the best of its kind, with numerous
educational and experience requirements, and also the fiduciary responsibility standard
of practice. All CFPs must operate under the fiduciary standard, meaning that regardless
of the situation, the clients best interest in always put first. Other financial planners may
be allowed to operate under a suitability standard, which means that sometimes certain
recommendations made to a client may not be in their best interest. Below are some of
the other requirements to receive the CFP designation:

Bachelors Degree in Finance (or accepted equivalent), 4,000 hours

Additional Financial Planning course, 1,000 hours
Comprehensive Examination, 300-400 hours of independent study
3 years of financial planning work experience or 2 years of financial
planning work experience under a CFP professional

A CFP is highly skilled and knowledgeable in the field of financial planning, we can help
bring objectivity to an otherwise subjective world, while keeping your best interest in
mind throughout the entire process.

Summary
Your Current Situation
Assets totaling approximately $782,147
Liabilities totaling approximately $302,437
Net Worth of approximately $479,710
Your Goals
6

 Pay off debts

Retire at 60
Ensure proper protection in case of bank failure
Maintain proper insurance for home, auto and life

Top Spending Areas

Retirement/Taxes/Savi
ngs
17%

Expenses
Home
19%

Miscellaneous
15%

Transportation
12%

Credit Cards
4%
Utilities
4%

Child Care
12%
Food
8%

Entertainment
6%

Insurances
3%

We broke down all of the Delgado-Pritchett expenses into the main categories you see
above. The categories include the following expenses:

Home - Mortgage, alarm system, and home repairs

Transportation - Infiniti, Jeep, and Harley payments, gas, and parking/tolls
Credit Cards - Both the Sears and BB National credit card payments
Utilities - Cable, internet, cellphone, and water
Insurances - Auto insurance and life insurance payments
Entertainment - Entertainment and hobbies
Food - Groceries and dining out
Child Care - Child care costs
Miscellaneous - Club dues, dry cleaning, charity, landscaping, maid,
student loan
Retirement/Taxes/Savings - Dividend/Interest reinvestments, Jeremy and
Ginas 401(k) contributions, cash savings contribution, Jeremys Roth
contribution, and total taxes

Monthly Discretionary vs. NonDiscretionary Expenses

Discretionary Expenses are expenses that can be avoided in the event of a loss of
income.
Non-Discretionary Expenses are fixed monthly or annually expenses that are required
to be paid regardless of loss of income.
Non-Discretionary
Expenses
Mortgage Payment
Infiniti Payment
Jeep Payment
Life Insurance
Harley Payment
BB National Credit Card
Sera Credit Card
Cell Phone
Alarm System
Internet
Gas
Water
Auto Insurance
Child Care
Home Repairs
Groceries
Charity
Parking and Tolls
Student Loan Payment
Taxes
Total

$1,896
$448
$240
$120
$210
$195
$305
$135
$55
$150
$370
$80
$168
$1,400
$200
$500
$350
$420
$280
$420
$7,562

Savings

Discretionary
Expenses
Cable

$120

Entertainment
Dining Out

$400
$400

Hobbies

$300

Club Dues

$150

Dry Cleaning

$160

Landscaping

$300

Maid

$400

Total

$2230

Jeremy
401(K)
Contribution
Gina 401(k)
Contribution
Div./Inter.
Reinvestment
Jeremy Roth
Contribution
Cash Savings
Contribution
Total

$300

$400
$47
$120
$600
$1467

Financial Statements
Year-End Net Worth Statement Mr. and Mrs. DelgadoPritchett
Current Assets
Cash
JT

Checking Account

$2,820

JT

Saving Account

$6,300

JT

Bank CD

$2,000

Total Current
Assets

$11,120

Investment Assets
10

Jeremy

401(K) Account

$120,368

Gina

401(K) Account

$37,581

JT

Brokerage Account

Jeremy

Roth IRA

$4,700
$77,298

Total Invested Assets

$239,947

Personal Use Assets

JT

Jewelry

$12,500

JT

Boat

JT

2007 Jeep Patriots

$12,000

JT

Furniture

$15,300

JT

Harley Davidson

$28,000

JT

2010 Infiniti E35

$44,500

JT

Primary Home

$8,000

$421,900

Total Personal Use Assets

$542,200

Total Assets

$782,147

Liabilities
Current Liabilities
JT

BB National Credit Card

$7,237

Total Current Liabilities

$7,237

Long-Term Liabilities
JT

2010 Infiniti E35 loan

$38,000

JT

Sear Credit Card

$12,200

11

JT

Harley Davidson Loan

$18,000

JT

Primary Mortgage

JT

Student Loan

$37,000

JT

Jeep Auto Loan

$10,000

$180,000

Long-Term
Liabilities

$295,200

Total Liabilities

$302,437

Total Net Worth

$479,710

Statement of Cash Flow for Mr. and

Mrs. Delgado-Pritchett
Cash Inflows
Salaries
Jeremy's Salary

$95,760

Gina's Salary

$41,040

12

Investment Income (Dividend/Interest)

$480

Total Cash Inflows

$137,280

Cash Outflows
Savings
Jeremy 401(k) Contributions

$3,600

Gina 401(K) Contributions

$4,800

Dividend/Interest Reinvestment

$564

Cash Savings Contribution

$7,200

Jeremy's Roth Contribution

$1,440

Total Savings

$17,604

Fixed Outflows
Mortgage

$22,752

Infiniti Payment

$5,376

Jeep Payment

$2,880

Harley

$2,520

BB National Credit Card

$2,340

Sears Credit Card

$3,660

Cable

$1,440

Alarm System

$660

Internet

$1,800

Gas

$4,440

Cellphone

$1,620

Water
Child Care

$960
$16,800

Home Repairs

$2,400

Club Dues

$1,800

13

Charity

$4,200

Landscaping

$3,600

Maid

$4,800

Parking and Tolls

$480

Student Loans

$3,360

Life Insurance

$1,440

Auto Insurance

$2,016

Total Fixed
Outflows

$91,344

Variable Outflows
Entertainment

$4,800

Groceries

$6,000

Hobbies

$3,600

Dinning Out

$4,800

Dry Cleaning

$1,920

Taxes-FICA and Income Tax

$5,040

Total Variable Outflows

$26,160

Total Cash Outflows

$135,108

Net Discretionary Cash Flows

$2,172

Financial Ratio Analysis

Emergency Fund Ratio
14

This method determines the number of months an individual can pay off nondiscretionary liabilities with currents cash inflows. It is recommended that you save
enough funds to cover your expenses for 3-6 months in case of an emergency. Your
emergency fund is less than the minimum required savings. In this case, you will only
have enough funds to cover your non-discretionary expenses for less than 2 years.

Emergency Fund Ratio =

Cash & Cash Equivalent

$11,120

Monthly Non-Discretionary Cash Flows

$7,562

= 1.48 < 3

Current Ratio:
This ratio gives the client an insight into his ability to pay short-term expenses as they
come due using only cash and cash equivalent. It appears as if there is a liquidity
problem when current ratio is less than one. However, you may continue to pay your
current liabilities out of current income, and save your cash & cash equivalent in case
you need the fund for an emergency.

Current Ratio=
Cash & Cash Equivalent
Current Liabilities

$11,120

= 0.57 1.00

$19,437

Debt Ratio:
The basic housing ratio give the client an insight on the percentage of gross pays that is
devoted to basic housing. This calculation does not include any sort of living and
housing expenses. In your case, this calculation focuses only on the principal payment of
your mortgage, interest, property taxes, and insurance. The benchmark for this housing
ratio is less or equal to 28 percent of your income before taxes. Your current ratio is 16.5
%, which gives you some flexibility to pay other debts.

15

Housing Ratio 1 =
House Costs

$1,896

Gross Pay

$11,447

= 16.5% 28%

The housing ratio 2 is a more broad calculation, which combines basic housing costs
with other monthly debt payments made on revolving basis. The benchmark for this ratio
is less or equal to 36 percent of your gross income. Your current housing ratio 2 is
slightly over 31 percent, which is suitable for your current level of income.

Housing Ratio 2=
Housing Costs + Other Debts Payments
Gross Pay

$1,896 + 1,678

= 31% > 36%

$11,447

The debt to total asset is a calculation reflects what portions of assets owned by client is
financed through a creditor. This ratio usually fluctuates according to clients age. The
younger you are, the greater your chances of having a high debt ratio due to the
presence of student and automobile loans. Your debt to total asset ratio is below 39
percent, which is considered low for your age. The closer you get to retirement the lower
your debt to total asset will be.

Debt to Total Asset =

Total Debt

$302, 437

Total Assets

$782,147

= 39%

Financial Security Goals

Savings rate is important to help clients achieve their long-term financial goals. This
calculation indicated how much of your gross pay is being set aside to savings. Your
savings ratio is 12.82 percent, which is within the benchmark but right on the edge. In

16

this case, you will need to start allocating more funds to your saving account to help you
achieve your long-term goals.

Savings Rate =
Savings + Employer Match

$1,467

Gross Pay

= 13%

$11,447

Refinanced Mortgage

Housing Ratio 1 =
House Costs

$1,977.33

Gross Pay

$11,447

= 17%

Housing Ratio 2 =
Housing Costs + Other Debts Payments
Gross Pay

$1,977.33 + 1,678

= 32% > 36%

$11,447

17

Mortgage Analysis
Monthly PITI Payment Comparison

$2,500.00
$2,000.00
$1,500.00
$1,277.32

$1,358.66

$1,000.00
$500.00

Monthly Payment

$788.32

Tax/Insurance

$618.67

$618.67

$618.67

Current

15 Year Fixed4.3%

30 Year Fixed3.3%

$0.00

PITI

Current Loan
$1895.99

15 Year Fixed 4.3%

$1977.33

30 Year Fixed 3.3%

$1406.99

18

Principal to Interest Comparison

500000
450000
400000
350000
300000
250000
200000
150000
100000
50000
0

$200,000
Loan
259834.349

64558.91
Current

Principal
$180,000.00
Interest
Total

$180,000

$180,000

Total Interest

103794.9806

15 Year Fixed-4.3% 30 Year Fixed-3.3%

Current Loan
$200,000.00

15 Year Fixed 3.3%

$180,000.00

$259,834.49
$459,834.49

$64,558.91
$244558.91

30 Year Fixed 4.3%

$140,676.43
$ 320,676.43

After analyzing you current financial profile, we highly recommend

refinancing your current mortgage loan at a 15 year fixed rate at
4.3%. Though you are going to be paying an extra $81.34 on your
new loan, you will be saving $21, 5275.58 in the long run. This new
19

loan will increase your HR1 ratio from 16.5 % to 17.2%, which will still
be less than the benchmark. Your housing ratio increased from 31%
to 32% keeping you with in the benchmark. This decision will
compensate for the $3,500 you will be spending to cover the
refinancing costs.

Paying off Debt with PowerPay

PowerPay is debt payment technique that allows users to keep the total amount
of money equal to what they currently pay but also allows users to see greater
strides in paying down their debt and ultimately lets users reduce the time they
spend in debt. Users must
1. Stop Charging/Borrowing until all debts are paid
2. Make PowerPayments until all debts are paid
Paying off debt with powerpayments consist of making payments until one debt
is fully paid off (usually the highest interest debt) then applying the same amount
to next debt (next highest interest debt.)
Highlighted below are the dramatic difference in amount of interest paid without
and without PowerPayments as well as making power payments and cutting
expenses to make extra payments possible.
Without PowerPay
Creditors
Sears
BB National
Mortgage

Number
payments
64
52
135

of Total paid
$19,479.64
$10,053.74
$255,268.73

Interest Paid
$47,279.64
$2,816.74
$75,268.73
20

Infiniti Loan
Jeep Loan
Harley Motorcycle
Student Loans

95
45
97
217

Total

$42,213.00
$10,614.67
$20,282.97
$60,682.39

$4,213.00
$614.67
$2,282.97
$23,682.39

$418,595.14

$116,158.14

Payoff Time: 9 years and 5 months

Debt Free Date: January 2025
Payoff Time: 18 years and 1 months
Debt Free Date: September 2033

With PowerPay
Creditors
Sears
BB National
Mortgage
Infiniti Loan
Jeep Loan
Harley Motorcycle
Student Loans

Number
payments
54
52
106
95
45
97
113

Total

of Total paid

Interest Paid

$19,059.95
$10,053.74
$244,872.10
$42,213.00
$10,614.67
$20,282.97
$53,835.29

$6,859.95
$2,816.74
$6,4872.10
$4,213.00
$614.67
$2,282.97
$16,835.29

$400,931.72

$98,494.72

An aggressive way to tackle debt is by cutting all discretionary expenses and applying
those additional funds towards extra payments towards debts owed. This tactic in
addition to PowerPay payments will help reduce the time spent in debt.
Cutting Expenses:

Discretionary Expenses
Cable
Entertainment
Dining Out

$120
$400
$400
21

Hobbies
Club Dues
Dry Cleaning
Landscaping
Maid
Total

With Powerpay &

Extra Payments
Creditors
Number
payments
6
Sears
8
BB National
50
Mortgage
60
Infiniti Loan
45
Jeep Loan
58
Harley Motorcycle
56
Student Loans

$300
$150
$160
$300
$400
$2,230

of Total paid

Interest Paid

$12,790.94
$7,872.43
$208,569.88
$41,587.60
$10,614.67
$19,871.09
$46,085.82

$590.94
$635.43
$28,569.88
$3,587.60
$614.67
$1,871.09
$9,085.82

Total
347,392.43

44,955.43

Payoff Time: 5 years and 0 months

Debt Free Date: August 2020

Explanation of Home, Auto and Life

Insurance
22

Insurance Coverage

Auto Insurance Policy: $50k/$100k/$50k

This split limit liability auto insurance coverage is more than the Texas state minimum
coverage of $30k/$60k/$25k. The first split limit of $50k means the insurance policy will
pay up to fifty thousand dollars of bodily damage for a single person involved in an
accident that is your fault. The second split limit of $100k means the insurance company
will cover all bodily damages up to one hundred thousand dollars for all people involved
in an accident that is your fault. The last split limit of $50k means the insurance company
will cover property damages up to fifty thousand dollars in an accident that is your fault.
Remember that is the event of an accident, you have a $500 deductible, meaning that
you are responsible for anything up to $500 and then the insurance company will come
in and take care of the remaining amount, up to the specified limits.

Home Insurance Policy: 100% cash value, replacement cost property loss
In the event that you lose your home and its contents, and given that the cause of the
loss is not excluded under your policy (we will assume you have HOC and the loss was
not caused by flood), then your insurance company will pay out the actual cash value of
your home at the time of loss, it is always recommended to have 100% cash value
coverage. The contents of your home are insured with replacement cost, which is a much
better option than actual cash value, because unlike your home that builds equity over
time, the contents of your home typically are worth less now compared to when you
bought them, meaning that the insurance company will provide a settlement that will
cover buying a new to replace the one you lost.

Life Insurance Policy: Annual premium $1,440

The present value of your combined salaries ($136,800) over the course of the next thirty
years until retirement is $4,104,000. This large number value is basically the human net
worth that you are combined to make in todays dollars over the course of the remaining
working years, not assuming any raises or accounting for inflation. With proper financial
planning, term life insurance is all that should be needed to protect this income over the
next thirty years. We can get a thirty year term policy for $2.5 million death benefit on
Jeremy for $1,685 per year. We can also get a thirty year level term policy for $1 million
23

death benefit on Gina for $570 per year. This will increase your annual life insurance
expense by $815, it sounds expensive, but it is our recommendation to ensure that you
have the right amount of coverage today.

Protecting your Deposits

Bank failure although rare can be catastrophic if incurred. The Federal Deposit Insurance
Corporation is a quasi-governmental organization that has been providing a safeguard in
case of bank failure since 1933. The FDIC insures deposits only up to $250,000 though
depending on ownership and structure of deposits the actual amount insured can be much
greater. It is important to note that the FDIC does not insure deposits made at credit
unions, unions are insured by a different organization called the National Credit Union
Administration (NCUA). By structuring the $800,000 in to four different accounts, we can
manage to fully insure the settlement while maintaining a high level of liquidity.

Jeremy and Ginas Settlement Accounts

Joint Savings
Jeremy Savings
Gina Savings

$500,000
$150,000
$150,000

Total Amount Held

Total Amount Insured

$800,000
$800,000

As seen above the joint account is afforded $250,000 for both parties resulting in a total
of $500,000 insured. If we placed the rest of the settlement in the same account we
would have to forgo insurance on the remaining $300,000. Now, if we place the rest in
two accounts that are below the single account limit for the FDIC, we can fully insure the
remaining amounts. It is important to note that the difference here is that the FDIC
provides separate limits based on account ownership. They also provide higher limits for
certain types of accounts, however most of those accounts, which include trusts and
certain retirement accounts are significantly less liquid.

24

Retirement Needs Analysis

We took into account the following goals when your retirement needs:

Jeremy and Gina would will both retire in 30 years

Amount needed is $90,000 per year until the age of 96

In addition the following conditions were assumed for the calculation of amounts
needed and it is important to note that depended on actual conditions the amounts
may vary:

Inflation is equal to 3.5%

Return on investments prior to retirement equal to 8.5%
Return on investment during retirement equal to 6.5%
Expected social security payment $10,000

Considering both the above mentioned goals and conditions the following data was
obtained:

The present value needed to be saved upon retirement is $ 1,824,721.820

The amount needed to be saved upon entering retirement in future
dollars is $ 5,121,617.717
The amount needed to be saved annually assuming no retirement
assets is $ 41,231.97
The amount needed to be saved monthly assuming no retirement assets
is $3,102.68
The amount needed to be saved annually with retirement assets is $18,904.76
including $239,947 in retirement assets.

25

Appendix A: Engagement Letter

August 1, 2015
Dear Mr. and Mrs. Delgado-Pritchett:
This letter will confirm the terms of our contract regarding the financial planning
services that FundVest Financial will provide for you. The primary objective of
engagement is to prepare a review of your personal financial situation and
present you with possible strategies that will assist you on making important
decisions to help you identify and achieve your personal and financial goals and
objectives. Our analysis and recommendations will be based upon the
information provided to FundVest Financial by you. In order to ensure an
understanding of our responsibilities, FundVest Financial asks all of our clients to
confirm the arrangements.
The initial phase involves accumulating and organizing data and documents
about your current financial status, identifying specific goals and objectives, and
agreeing upon planning assumptions. Once all of your financial information such
as, wills, prior tax return, investment accounts, retirement account, insurance
documents have been collected during a face-to-face meeting with you, or/and
obtain from other means of communication, the data will be analyzed and
projections will be made. Subsequent meetings will be held to verify the accuracy
of the data and will allow you to validate the assumption used. During future
meeting, alternative course of actions to meet goals and alleviate any issue will
be carefully discussed. Based on weekly meetings, we will meet for over a period
of 6 weeks to follow up on the progress of our work.
It is important to remember, as you have indicated, that you are responsible for
all the decisions regarding implementation of the recommendations offered to
you by FundVest will be at your discretion. Our team will be available to assist
you with the implementations of your chosen methods, if you need farther
assistance from us. A new engagement letter will be issued in order to properly
serve you.
Fees
The fee for your Comprehensive Financial Plan has been determined by our
mutual agreement and is $2,300 which is due payable upon return of this
26

Engagement Letter, and it will be paid by Mr. and Mrs. Delgado-Pritchett. Please
note that this fee is for the written financial plan alone and the plan shall contain
all of our recommendations to you through the date of its delivery. Please, be
advised that this fee does not included preparation of any legal documents or tax
return. We only guarantee services that have been agreed by all parties involved
in the process, and services that are specified in this letter. Any addition services
provided by us will be billed separately at a rate of $200.00 per hour.
We anticipate beginning the engagement immediately. If this letter meets with
your approval, please sign the enclosed copy in the space provided and return it
to us in the enclosed envelope. You are free to terminate this agreement at any
time and we will bill you for the portion of work that is complete.
We thank you for the opportunity to be of service, and we welcome you as a
valued client.
Sincerely,
Financial Planner
I/We agree to the above terms & conditions:
Client Signature: ___________________________ Date: _______________________
Client Signature: ___________________________ Date: _______________________

27

Appendix B: PowerPay Payment

Schedule
Payment Schedule with PowerPay and Extra Payments- Highest Interest First

Month

Sears Credit
Card

BB National
Credit

Mortgage

Card

Student
Loans

Jeep
Loan

Harley
Motorcycle
Loan

Infiniti
Loan

Sep 2015

$2535.00

$195.00

$1896.00

$280.00

$240.00

$210.00

$448.00

Oct 2015

$2535.00

$195.00

$1896.00

$280.00

$240.00

$210.00

$448.00

Nov 2015

$2535.00

$195.00

$1896.00

$280.00

$240.00

$210.00

$448.00

Dec 2015

$2535.00

$195.00

$1896.00

$280.00

$240.00

$210.00

$448.00

Jan 2016

$2535.00

$195.00

$1896.00

$280.00

$240.00

$210.00

$448.00

Feb 2016

$115.94

$2614.06

$1896.00

$280.00

$240.00

$210.00

$448.00

Mar 2016

$2730.00

$1896.00

$280.00

$240.00

$210.00

$448.00

Apr 2016

$1553.37

$3072.63

$280.00

$240.00

$210.00

$448.00

May 2016

$4626.00

$280.00

$240.00

$210.00

$448.00

Jun 2016

$4626.00

$280.00

$240.00

$210.00

$448.00

Jul 2016

$4626.00

$280.00

$240.00

$210.00

$448.00

Aug 2016

$4626.00

$280.00

$240.00

$210.00

$448.00

Sep 2016

$4626.00

$280.00

$240.00

$210.00

$448.00

Oct 2016

$4626.00

$280.00

$240.00

$210.00

$448.00

Nov 2016

$4626.00

$280.00

$240.00

$210.00

$448.00

Dec 2016

$4626.00

$280.00

$240.00

$210.00

$448.00

Jan 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

Feb 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

Mar 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

Apr 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

May 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

Jun 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

28

Jul 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

Aug 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

Sep 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

Oct 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

Nov 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

Dec 2017

$4626.00

$280.00

$240.00

$210.00

$448.00

Jan 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Feb 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Mar 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Apr 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

May 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Jun 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Jul 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Aug 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Sep 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Oct 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Nov 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Dec 2018

$4626.00

$280.00

$240.00

$210.00

$448.00

Jan 2019

$4626.00

$280.00

$240.00

$210.00

$448.00

Feb 2019

$4626.00

$280.00

$240.00

$210.00

$448.00

Mar 2019

$4626.00

$280.00

$240.00

$210.00

$448.00

Apr 2019

$4626.00

$280.00

$240.00

$210.00

$448.00

May 2019

$4811.33

$280.00

$54.67

$210.00

$448.00

Jun 2019

$4866.00

$280.00

$210.00

$448.00

Jul 2019

$4866.00

$280.00

$210.00

$448.00

Aug 2019

$4866.00

$280.00

$210.00

$448.00

Sep 2019

$4866.00

$280.00

$210.00

$448.00

Oct 2019

$1413.92

$3732.08

$210.00

$448.00

Nov 2019

$5146.00

$210.00

$448.00

Dec 2019

$5146.00

$210.00

$448.00

Jan 2020

$5146.00

$210.00

$448.00

Feb 2020

$5146.00

$210.00

$448.00

29

Mar 2020

$5146.00

$210.00

$448.00

Apr 2020

$2903.74

$2452.26

$448.00

May 2020

$5356.00

$448.00

Jun 2020

$512.83

$5291.17

Jul 2020

$5804.00

Aug 2020

$4956.43

TOTALS

$12790.94

$7872.43

$208569.88

$46085.82

$10614.67

$19871.09

$41587.60

30