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Personal Financial Plan for

Jeremy and Gina Delgado-Pritchett

August 4, 2015

Prepared by:

FundVest Financial Advisors

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Table of Contents

TABLE OF CONTENTS .................................................................................................... 2

OUR PLEDGE ..................................................................................................................... 3

MISSION STATEMENT .................................................................................................... 3

VISION ................................................................................................................................ 4

FINANCIAL PLANNING .................................................................................................. 4

COMPENSATION STRUCTURE ..................................................................................... 4

CFP DESIGNATION ......................................................................................................... 5

SUMMARY .......................................................................................................................... 6

TOP SPENDING AREAS .................................................................................................. 7

MONTHLY DISCRETIONARY VS. NON-DISCRETIONARY EXPENSES ................ 8

FINANCIAL STATEMENTS ............................................................................................. 9

STATEMENT OF CASH FLOW FOR MR. AND MRS. DELGADO-PRITCHETT ... 11

FINANCIAL RATIO ANALYSIS .................................................................................... 13

MORTGAGE ANALYSIS ................................................................................................. 16

PAYING OFF DEBT WITH POWERPAY .................................................................... 18

EXPLANATION OF HOME, AUTO AND LIFE INSURANCE .................................. 20

PROTECTING YOUR DEPOSITS ................................................................................. 21

RETIREMENT NEEDS ANALYSIS ................................................................................. 22

APPENDIX A: ENGAGEMENT LETTER ...................................................................... 23

APPENDIX B: POWERPAY PAYMENT SCHEDULE ................................................. 25

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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 client’s 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 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

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our clients organize, protect, grow their wealth, and earn our client’s 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

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

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As CFP’s, 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 CFP’s must operate under the fiduciary standard, meaning that regardless of the situation, the client’s 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:

• Bachelor’s 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.

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Summary Your Current Situation

• Assets totaling approximately $782,147 • Liabilities totaling approximately $302,437 • Net Worth of approximately $479,710

Your Goals

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

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Top Spending Areas

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 Gina’s

401(k) contributions, cash savings contribution, Jeremy’s Roth contribution, and total taxes

Home 19%

Transportation 12%

Credit Cards 4%

Utilities 4%

Insurances 3% Entertainment

6% Food 8%

Child Care 12%

Miscellaneous 15%

Retirement/Taxes/Savings

17%

Expenses

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Monthly Discretionary vs. Non-Discretionary 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 $1,896 Infiniti Payment $448

Jeep Payment $240 Life Insurance $120

Harley Payment $210 BB National Credit Card $195

Sera Credit Card $305 Cell Phone $135

Alarm System $55 Internet $150

Gas $370 Water $80

Auto Insurance $168 Child Care $1,400

Home Repairs $200 Groceries $500

Charity $350 Parking and Tolls $420

Student Loan Payment $280 Taxes $420 Total $7,562

Discretionary Expenses

Cable $120

Entertainment $400 Dining Out $400

Hobbies $300

Club Dues $150

Dry Cleaning $160

Landscaping $300

Maid $400

Total $2230

Savings

Jeremy 401(K) Contribution

$300

Gina 401(k) Contribution

$400

Div./Inter. Reinvestment

$47

Jeremy Roth Contribution

$120

Cash Savings Contribution

$600

Total $1467

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Financial Statements Year-End Net Worth Statement Mr. and Mrs. Delgado-Pritchett

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

Jeremy 401(K) Account $120,368

Gina 401(K) Account $37,581

JT Brokerage Account $4,700

Jeremy Roth IRA $77,298

Total Invested Assets $239,947

Personal Use Assets

JT Jewelry $12,500

JT Boat $8,000

JT 2007 Jeep Patriots $12,000

JT Furniture $15,300

JT Harley Davidson $28,000

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JT 2010 Infiniti E35 $44,500

JT Primary Home $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

JT Harley Davidson Loan $18,000

JT Primary Mortgage $180,000

JT Student Loan $37,000

JT Jeep Auto Loan $10,000

Long-Term Liabilities $295,200

Total Liabilities $302,437

Total Net Worth $479,710

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Statement of Cash Flow for Mr. and Mrs. Delgado-Pritchett

Cash Inflows

Salaries

Jeremy's Salary $95,760

Gina's Salary $41,040

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

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Internet $1,800

Gas $4,440

Cellphone $1,620

Water $960

Child Care $16,800

Home Repairs $2,400

Club Dues $1,800

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

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Financial Ratio Analysis

Emergency Fund Ratio

This method determines the number of months an individual can pay off non-discretionary 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 = 1.48 < 3 Monthly Non-Discretionary Cash Flows $7,562

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 $11,120 = 0.57 ≥ 1.00 Current Liabilities $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.

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Housing Ratio 1 =

House Costs $1,896 = 16.5% ≤ 28% Gross Pay $11,447

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 $1,896 + 1,678 = 31% > 36%

Gross Pay $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 client’s 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 = 39% Total Assets $782,147

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

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Savings Rate =

Savings + Employer Match $1,467 = 13%

Gross Pay $11,447

Refinanced Mortgage

Housing Ratio 1 =

House Costs $1,977.33 = 17% Gross Pay $11,447

Housing Ratio 2 =

Housing Costs + Other Debts Payments $1,977.33 + 1,678 = 32% > 36%

Gross Pay $11,447

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Mortgage Analysis

Monthly PITI Payment Comparison

Current Loan 15 Year Fixed – 4.3% 30 Year Fixed– 3.3% PITI $1895.99 $1977.33 $1406.99

$618.67 $618.67 $618.67

$1,277.32 $1,358.66

$788.32

$0.00

$500.00

$1,000.00

$1,500.00

$2,000.00

$2,500.00

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

Monthly Payment

Tax/Insurance

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Principal to Interest Comparison

Current Loan 15 Year Fixed – 3.3% 30 Year Fixed– 4.3% Principal $200,000.00 $180,000.00 $180,000.00 Interest $259,834.49 $64,558.91 $140,676.43 Total $459,834.49 $244558.91 $ 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 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.

259834.349

64558.91 103794.9806

$200,000

$180,000 $180,000

0 50000

100000 150000 200000 250000 300000 350000 400000 450000 500000

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

Loan

Total Interest

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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 Number of payments Total paid Interest Paid Sears 64 $19,479.64 $47,279.64 BB National 52 $10,053.74 $2,816.74 Mortgage 135 $255,268.73 $75,268.73 Infiniti Loan 95 $42,213.00 $4,213.00 Jeep Loan 45 $10,614.67 $614.67 Harley Motorcycle 97 $20,282.97 $2,282.97 Student Loans 217 $60,682.39 $23,682.39 Total $418,595.14 $116,158.14

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

With PowerPay Creditors Number of payments Total paid Interest Paid Sears 54 $19,059.95 $6,859.95 BB National 52 $10,053.74 $2,816.74 Mortgage 106 $244,872.10 $6,4872.10 Infiniti Loan 95 $42,213.00 $4,213.00 Jeep Loan 45 $10,614.67 $614.67 Harley Motorcycle 97 $20,282.97 $2,282.97 Student Loans 113 $53,835.29 $16,835.29 Total $400,931.72 $98,494.72

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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 $120 Entertainment $400 Dining Out $400

Hobbies $300 Club Dues $150

Dry Cleaning $160 Landscaping $300

Maid $400 Total $2,230

With Powerpay & Extra Payments

Creditors Number of payments Total paid Interest Paid Sears 6 $12,790.94 $590.94 BB National 8 $7,872.43 $635.43 Mortgage 50 $208,569.88 $28,569.88 Infiniti Loan 60 $41,587.60 $3,587.60 Jeep Loan 45 $10,614.67 $614.67 Harley Motorcycle 58 $19,871.09 $1,871.09 Student Loans 56 $46,085.82 $9,085.82 Total

347,392.43 44,955.43

Payoff Time: 5 years and 0 months Debt Free Date: August 2020

Payoff Time: 9 years and 5 months Debt Free Date: January 2025

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Explanation of Home, Auto and Life Insurance

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 today’s 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 death benefit on Gina for $570 per

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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 Gina’s Settlement Accounts Joint Savings $500,000 Jeremy Savings $150,000 Gina Savings $150,000 Total Amount Held $800,000 Total Amount Insured $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.

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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.

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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 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.

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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: _______________________

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Appendix B: PowerPay Payment Schedule Payment Schedule with PowerPay and Extra Payments- Highest Interest First

Month Sears Credit

Card

BB National Credit

Card Mortgage

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

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

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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

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

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TOTALS $12790.94 $7872.43 $208569.88 $46085.82 $10614.67 $19871.09 $41587.60