T.G.Dyar-Cash Flow Report

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NOTE: The base year of the plan is the last year tax returns were filed and matches the filed returns. After the tie in has been documented to the client the base year is suppressed in later reports. The current year of the plan is usually pretty accurate. The next four years out are fairly reliable for planning, but the subsequent five years should always be taken with a grain of salt. Beyond ten years it's pure number crunching and the reports are mainly useful to show the possible impact of major life events like retirement, large charitable gifts, sale of a business or mandatory IRA withdrawals.

Prepared by T. G. Dyar
SFP Associates
11/05/01		CASH FLOW	STATEMENT

Chris & Cora Williams
SAMPLE REPORT
Proposed Condition

File #DEM4100.xp1	2000	2001	2014	2015	2048
Age:	48/41	49/41	62/55	63/56	96/89
BEGINNING OF YEAR
Idle Cash On Hand	4,817	4,841	5,001	5,001	5,003

SOURCES OF CASH

Cash Income
Salary-Chris	160,745	168,782	318,263	334,176	1,671,947
Compensation-Cora	106,589	114,583	293,380	315,384	3,430,196
Social Security Inc	0	0	0	0	362,866
Interest+Dividends	11,078	11,294	14,925	15,172	74,878
	278,412	294,659	626,568	664,733	5,539,886
Investments
Main St - 10 Apt Un	43,820	46,450	15,578	0	0
	43,820	46,450	15,578	0	0
Sale/Withdrawals
CXNB - Stock '87	0	0	1,072	1,136	7,774
DXYZ - Stock '82	0	0	335	356	0
IBX - Stock '83	0	0	780	811	0
InTiC - Stock '86	0	0	2,358	2,476	0
	0	0	4,546	4,779	7,774
	========	========	========	========	========
Total Cash Inflow	322,232	341,109	646,692	669,512	5,547,660
	========	========	========	========	========
Tot Cash Available	327,049	345,949	651,693	674,513	5,552,663
	========	========	========	========	========
USES OF CASH

Fully Tax Deductible
IRA - Chris	2,000	2,000	2,000	2,000	0
IRA - Cora	2,000	2,000	2,000	2,000	0
Ten Park Place	40,703	40,387	29,908	28,221	0
Planned 2nd House	22,531	21,219	0	0	0
	67,234	65,606	33,908	32,221	0
Not Tax Deductible
Clothing	5,094	5,196	6,721	6,856	13,178
Entertainment	5,000	5,000	8,552	8,979	44,925
Vacations	7,293	7,658	14,440	15,162	75,857
Gifts/Celebrations	6,670	7,004	13,206	13,867	69,378
Transportation	1,823	1,914	3,610	3,790	18,964
Life Insurance	1,000	1,000	1,000	1,000	1,000
Planned 2nd House	506	536	1,143	1,212	8,289
Summer Cottage Rent	5,834	6,126	11,552	12,129	60,685
Repair/Maintenance	3,647	3,829	7,220	7,581	37,928
Planned 2nd House	848	899	1,917	2,032	13,902
Utility/Phone	2,334	2,450	4,621	4,852	24,274
Household Frnshg	3,276	3,407	5,672	5,899	21,522
Planned 2nd House	1,000	1,050	1,980	2,079	10,401
Misc Living Exp	8,820	9,261	17,463	18,336	91,739
	53,144	55,329	99,097	103,774	492,044
Taxes Paid
Fed Tax Paid	50,151	56,902	205,872	219,832	3,222,875
State Tax Paid	13,913	15,378	49,059	52,345	695,641
Local Tax Paid	7,507	8,337	26,918	28,731	383,634
FICA/Soc Sec Tax	13,325	14,078	18,839	19,388	83,951
Real Estate Tax	11,924	12,432	21,430	22,350	90,413
	96,820	107,127	322,119	342,646	4,476,514
Purchase/Deposits
Cash Mgmt Act	52,464	58,468	176,619	175,892	579,102
	52,464	58,468	176,619	175,892	579,102
Investments
Main St - 10 Apt Un	36,065	36,353	1,655	0	0
	36,065	36,353	1,655	0	0
Liability Liquidation
Ten Park Place	2,499	2,815	13,294	14,981	0
Planned 2nd House	13,983	15,295	0	0	0
	16,482	18,110	13,294	14,981	0
	========	========	========	========	========
Tot Cash Outflow	322,209	340,993	646,692	669,514	5,547,660
	========	========	========	========	========
END OF YEAR
Cash Balance	4,841	4,956	5,001	4,999	5,003
	========	========	========	========	========

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