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This is a sample client, created for illustration purposes. Interested in partnering with Java Wealth?
CORE VALUES
CORE VALUES
Time freedom to spend with family
Support your local community
"Slow travel" to experience different cultures around the world
Provide for Mia & help support each of your parents
HIGHLIGHTS
HIGHLIGHTS
Recently spent 3 weeks together in Italy & France
Net worth has increased by $130,000 since January 2024
Reached savings goal of $35,000 for your emergency fund
Completed your estate plan
Started 529 plan for Mia’s college
Need to chat?
15-minute Zoom call
Life updates & impromptu questions
Help w/ completing those tasks ☝️
STRENGTHS
Great careers that you enjoy
Strong relationship & communication
Good benefits & retirement plan
CHALLENGES
High cost of living
Low college savings
Complexity with tax situation
OPPORTUNITIES
Equity compensation & upcoming IPO
Additional tax savings on charitable giving
THREATS
Large % of net worth tied to company stock
Unexpected death or disability
Lifestyle creep
NET WORTH
$664K
2025 INCOME
$410K+
TOTAL SAVINGS RATE
34%
Net worth snapshot as of 01/01/2025
FAMILY CALENDAR
FAMILY CALENDAR
ANNUAL CASH FLOW ESTIMATE
ANNUAL CASH FLOW ESTIMATE
"Be intentional with your money"
Income
Income
Estimating $20K bonus for Sonya
Assuming not exercising any ISOs
Charity
Charity
Giving $10,000 to your local church
Giving $300/mo to World Central Kitchen
Taxes
Taxes
Current withholding estimates
Federal: $75,000 (refund of $5,000)
State: $28,000 (refund of $2,000)
Savings
Savings
Max out Roth IRAs
$1,250K/mo to Utah my529 plans
Living Expenses
Living Expenses
$3,000/mo for your mortgage (includes taxes & insurance)
$10,000 for trip to France/Italy
$6,000/mo for general living expenses
Debt
Debt
Finishes paying off your student loan!
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