Cash Flow Analysis  
Managing debt and maintaining your lifestyle over the long term is challenging. Without a reasonable budgeting plan, it is difficult to effectively manage spending. This Cash Flow Analysis form can help you compare your income to your expenses to determine your net cash flow.
     


Income:
(In the spaces below, write down all your sources of income.
Convert annual and quarterly figures to monthly numbers.)

Salary

$

Alimony, child support

$

Dividends from investments

$

Interest on savings accounts, CDs, etc.

$

Social Security benefits

$

Retirement plan/pension income

$

Other income

$


Expenses:
(Write down the anticipated amounts of your expenditures.
Convert annual and quarterly figures to monthly figures.)

Mortgage payment or rent

$

Groceries

$

Utilities

$

Entertainment, recreation, and dining

$

Insurance

$

Medical (not covered by insurance)

$

Education

$

Vacation

$

Gifts

$

Loan payments (auto, student, etc.)

$

Auto (gas, maintenance, etc.)

$

Credit card payment

$

Clothing

$

Dues and subscriptions

$

Home improvement

$

Charitable contributions

$

Federal taxes

$

State taxes

$

FICA (Social Security)

$

Other taxes

$

Other expenses

$
 
   
   
Fichter Wealth Management, Inc.
25 California Drive Williamsville , NY 14221
Phone: (716) 631-3232 ext.501 Fax: (716) 631-3822
Richard.Fichter@securitiesamerica.com

Licensed to offer securities products in: AZ, CA, CO, CT, FL, GA, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NH, NJ, NV, NY, OH, PA, SC, TN, TX, and VA. Licensed to offer insurance products in: AZ, FL, IN, KS, MN, NC, NH, NJ, NY, OH, PA, and VA. Licensed to offer advisory services in NY.

Securities offered through Securities America, Inc., member FINRA/SIPC and Advisory services offered through Securities America Advisors, Inc, Richard N. Fichter, Jr. and Richard N. Fichter, III, Representatives. Fichter Wealth Management, Inc. and Securities America are seperate companies.