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Allen L. Stansfield Hilltop Securities Independent Network Inc.

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3564 Lincoln Ave., Ste. 3B
Ogden, UT 84401
  • Phone:
    801-436-5730
  • Fax:
    801-690-7988
  • E-mail address: allen.stansfield@hilltopnetwork.com
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  • 57% of U.S. workers have saved less than $25,000 for retirement.* -- *2015 Retirement Confidence Survey, EBRI
  • Only 48% of Americans know how much money to save for retirement.* -- *2015 Retirement Confidence Survey EBRI
  • 50% of retirees left the workforce earlier than planned.* -- *2015 Retirement Confidence Survey EBRI

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  • Hilltop Securities Independent Network Inc.

  • 3564 Lincoln Ave., Ste. 3B, Ogden, UT 84401
  • 801-436-5730 | allen.stansfield@hilltopnetwork.com

Cash Flow Analysis

What's Your Cash Flow Situation?

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.

Monthly Income:

According to the 2013 Consumer Financial Literacy Report, over half of Americans said they didn't have a budget.

Monthly Expenses:

According to the Bureau of Labor Statistics, a $10 medical expenditure in 1982-84 (the reference date) would cost about $400 today.

Monthly Expenses:

$301,970 is the estimated cost for a middle-income family to raise a child born in 2012 through age 17 according to the U.S. Department of Agriculture.

Monthly Expenses:

According to the Federal Reserve Board, the average American household has about $7,023 of credit-card debt.

Monthly Expenses:

According to the Tax Foundation, the average person worked from January 1 to mid-April to pay all federal, state, and local taxes.

Getting your cash flow under control is the first step toward effective financial management. Are you comfortable with your current cash flow? If not, you may need to take immediate action to control your spending.

Your Results

Your total income is: $0
Your total expenses are: $0
Your cash flow is: $0

Your net cash flow is the amount of money left after paying all your bills. The chart below shows how much cash you have left at the end of each month after meeting your expenses, based on the amounts you entered. How much of your net cash flow are you currently investing for the future?

Your Monthly Cash Flow

 

This hypothetical example is used for illustrative purposes only. Actual results will vary.

The information in this calculator is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.

This material was written and prepared by Emerald Connect, LLC.
© 2019 Emerald Connect, LLC. All Rights Reserved.

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Contact Us

3564 Lincoln Ave., Ste. 3B
Ogden, UT 84401
  • Phone:
    801-436-5730
  • Fax:
    801-690-7988
  • E-mail address: allen.stansfield@hilltopnetwork.com

Market Watch

Last Closing Prices

Ticker Name Percent Difference (when noted with %) otherwise Last Price Difference (where applicable)
Nasdaq Composite 7,486.77 +0.19%
Nasdaq 100 7,066.61 +0.16%
NYSE Composite 12,628.36 +0.20%
AMEX Composite 2,540.41 +1.14%
PHLX Semiconductor Index 1,348.49 -0.20%
OSX Oil Service Sector Index 98.29 -0.29%

[ Markets | Charts | Quotes | Portfolio ]

Market data delayed per exchange rules.
All quotes are in US Eastern Time (EST).
Market data provided by ICE Data Services. ICE Limitations. Powered and implemented by FactSet. Legal Statement.

  • Home
  • About Us
    • Our Mission Statement
    • Our Location
    • Our Firm
    • Our Services
    • Our Qualifications
    • Hilltop Securities Home Page
    • Tell A Friend
  • Resources
    • Articles
    • Calculators
    • Flipbooks
    • Newsletters
    • Glossary
    • Tax Library
    • Videos
  • Market Watch
    • Detailed Quote
    • Symbol Lookup
    • Multi Quote
    • Markets at a Glance
    • Charting
    • Portfolio
  • Contact Us

Offering general securities through Hilltop Securities Independent Network Inc. 

 

 

Member: FINRA/SIPC

 

Sample articles and reports are written and prepared by Emerald Publications and are provided for informational purposes only and not intended as a solicitation.  Allen Stansfield is a registered representative and investment adviser representative of Hilltop Securities Independent Network Inc.(HTIN). HTIN is a registered broker-dealer and registered investment adviser that does not provide tax or legal advice. This website is only intended for clients and interested investors residing in states in which HTIN or its financial advisors are qualified to provide brokerage services or investment advisory services. HTIN does not attempt to furnish personalized investment advice or services through this website. Certain places on this site offer direct access or "links" to other websites that contain information that was created, published, maintained or otherwise posted by institutions or organizations independent of HTIN.  HTIN does not endorse, approve, certify or control these websites and does not assume responsibility for the accuracy, completeness or timeliness of the information located therein.  Visitors to these sites should not use or rely on the information contained therein until after consulting with an independent finance professional. HTIN does not necessarily endorse or recommend any commercial product or service described on these independent sites. HTIN is a wholly owned subsidiary of Hilltop Holdings, Inc., (NYSE:HTH) with offices at 1201 Elm Street, Suite 3500, Dallas, TX 75270, (214) 859-1800.  Past performance is no guarantee of future results.

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