{"id":872,"date":"2025-06-19T20:57:57","date_gmt":"2025-06-19T20:57:57","guid":{"rendered":"https:\/\/awrpc.info\/?page_id=872"},"modified":"2025-06-19T21:15:52","modified_gmt":"2025-06-19T21:15:52","slug":"client-summary-template","status":"publish","type":"page","link":"https:\/\/awrpc.info\/index.php\/client-summary-template\/","title":{"rendered":"Client Summary Template"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_font_size=”60px” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Title of Document\u00a0<\/h1>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_orientation=”center” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Prepared for: Client Name<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_orientation=”center” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Prepared by: Dr Babara Walker-Green<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” width=”100%” max_width=”100%” hover_enabled=”0″ sticky_enabled=”0″][et_pb_column _builder_version=”4.27.4″ _module_preset=”default” type=”4_4″][et_pb_code _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″] Side-by-Side Financial Comparison<\/title><!-- [et_pb_line_break_holder] --> <\/p>\n<style><!-- [et_pb_line_break_holder] --> body {<!-- [et_pb_line_break_holder] --> font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;<!-- [et_pb_line_break_holder] --> margin: 20px;<!-- [et_pb_line_break_holder] --> background-color: #f8f9fa;<!-- [et_pb_line_break_holder] --> color: #333;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .container {<!-- [et_pb_line_break_holder] --> max-width: 1600px;<!-- [et_pb_line_break_holder] --> margin: 0 auto;<!-- [et_pb_line_break_holder] --> background: white;<!-- [et_pb_line_break_holder] --> padding: 30px;<!-- [et_pb_line_break_holder] --> border-radius: 12px;<!-- [et_pb_line_break_holder] --> box-shadow: 0 4px 6px rgba(0,0,0,0.1);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> h1 {<!-- [et_pb_line_break_holder] --> color: #2c3e50;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> margin-bottom: 30px;<!-- [et_pb_line_break_holder] --> font-size: 28px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .scenario-comparison {<!-- [et_pb_line_break_holder] --> display: grid;<!-- [et_pb_line_break_holder] --> grid-template-columns: 1fr 1fr;<!-- [et_pb_line_break_holder] --> gap: 20px;<!-- [et_pb_line_break_holder] --> margin-bottom: 30px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .scenario-card {<!-- [et_pb_line_break_holder] --> padding: 20px;<!-- [et_pb_line_break_holder] --> border-radius: 10px;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .immediate-scenario {<!-- [et_pb_line_break_holder] --> background: linear-gradient(135deg, #e74c3c, #c0392b);<!-- [et_pb_line_break_holder] --> color: white;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .delay-scenario {<!-- [et_pb_line_break_holder] --> background: linear-gradient(135deg, #27ae60, #2ecc71);<!-- [et_pb_line_break_holder] --> color: white;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .scenario-card h2 {<!-- [et_pb_line_break_holder] --> margin: 0 0 15px 0;<!-- [et_pb_line_break_holder] --> font-size: 24px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .scenario-card .highlight {<!-- [et_pb_line_break_holder] --> font-size: 28px;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> margin: 10px 0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .key-metrics {<!-- [et_pb_line_break_holder] --> display: grid;<!-- [et_pb_line_break_holder] --> grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));<!-- [et_pb_line_break_holder] --> gap: 15px;<!-- [et_pb_line_break_holder] --> margin-bottom: 30px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .metric-card {<!-- [et_pb_line_break_holder] --> background: #f8f9fa;<!-- [et_pb_line_break_holder] --> padding: 15px;<!-- [et_pb_line_break_holder] --> border-radius: 8px;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> border-left: 4px solid #3498db;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .metric-card.negative {<!-- [et_pb_line_break_holder] --> border-left-color: #e74c3c;<!-- [et_pb_line_break_holder] --> background: #ffebee;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .metric-card.positive {<!-- [et_pb_line_break_holder] --> border-left-color: #27ae60;<!-- [et_pb_line_break_holder] --> background: #e8f5e8;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .table-container {<!-- [et_pb_line_break_holder] --> overflow-x: auto;<!-- [et_pb_line_break_holder] --> margin-top: 20px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> table {<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> border-collapse: collapse;<!-- [et_pb_line_break_holder] --> font-size: 11px;<!-- [et_pb_line_break_holder] --> min-width: 1400px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> th {<!-- [et_pb_line_break_holder] --> background: linear-gradient(135deg, #2c3e50, #34495e);<!-- [et_pb_line_break_holder] --> color: white;<!-- [et_pb_line_break_holder] --> padding: 10px 6px;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> font-weight: 600;<!-- [et_pb_line_break_holder] --> position: sticky;<!-- [et_pb_line_break_holder] --> top: 0;<!-- [et_pb_line_break_holder] --> z-index: 10;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .scenario-header {<!-- [et_pb_line_break_holder] --> background: linear-gradient(135deg, #8e44ad, #9b59b6);<!-- [et_pb_line_break_holder] --> font-size: 12px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> td {<!-- [et_pb_line_break_holder] --> padding: 6px;<!-- [et_pb_line_break_holder] --> text-align: right;<!-- [et_pb_line_break_holder] --> border-bottom: 1px solid #e0e0e0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> tr:nth-child(even) {<!-- [et_pb_line_break_holder] --> background-color: #f8f9fa;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .age-col {<!-- [et_pb_line_break_holder] --> background-color: #f1f3f4 !important;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> text-align: center !important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .income {<!-- [et_pb_line_break_holder] --> color: #2e7d32;<!-- [et_pb_line_break_holder] --> font-weight: 500;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .expense {<!-- [et_pb_line_break_holder] --> color: #d32f2f;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .immediate-negative {<!-- [et_pb_line_break_holder] --> background-color: #ffcdd2;<!-- [et_pb_line_break_holder] --> color: #b71c1c;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .delay-positive {<!-- [et_pb_line_break_holder] --> background-color: #c8e6c9;<!-- [et_pb_line_break_holder] --> color: #2e7d32;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .crisis-year {<!-- [et_pb_line_break_holder] --> background-color: #ffebee !important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .college-year {<!-- [et_pb_line_break_holder] --> background-color: #fff3e0 !important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .summary-box {<!-- [et_pb_line_break_holder] --> background: #e3f2fd;<!-- [et_pb_line_break_holder] --> padding: 20px;<!-- [et_pb_line_break_holder] --> border-radius: 8px;<!-- [et_pb_line_break_holder] --> margin-top: 20px;<!-- [et_pb_line_break_holder] --> border-left: 4px solid #2196f3;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .summary-box h3 {<!-- [et_pb_line_break_holder] --> color: #1976d2;<!-- [et_pb_line_break_holder] --> margin-top: 0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <\/style>\n<p><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"container\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h1>Financial Comparison: Immediate Move vs 5-Year Delay<\/h1>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"scenario-comparison\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"scenario-card immediate-scenario\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h2>Immediate Sale (Age 59)<\/h2>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"highlight\">HIGH RISK<\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee>Lose $140K salary immediately<\/pee><!-- [et_pb_line_break_holder] --> <pee>$3,000-5,000 monthly shortfall<\/pee><!-- [et_pb_line_break_holder] --> <pee>College crisis during lowest income<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"scenario-card delay-scenario\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h2>5-Year Delay (Age 63\/64)<\/h2>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"highlight\">LOW RISK<\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee>Keep salary through college years<\/pee><!-- [et_pb_line_break_holder] --> <pee>$840,856 better financial position<\/pee><!-- [et_pb_line_break_holder] --> <pee>Strong retirement foundation<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"key-metrics\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"metric-card negative\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h4>Immediate Sale Impact<\/h4>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size: 20px; font-weight: bold; color: #c62828;\">-$840,856<\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee>Total financial disadvantage<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"metric-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h4>Lost Salary<\/h4>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size: 20px; font-weight: bold;\">$700,000<\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee>5 years of earnings<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"metric-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h4>Lost 401k Growth<\/h4>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size: 20px; font-weight: bold;\">$103,375<\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee>Additional retirement savings<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"metric-card positive\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h4>Home Appreciation<\/h4>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"font-size: 20px; font-weight: bold;\">+$37,481<\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee>Additional equity in 5 years<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"table-container\"><!-- [et_pb_line_break_holder] --> <\/p>\n<table><!-- [et_pb_line_break_holder] --> <\/p>\n<thead><!-- [et_pb_line_break_holder] --> <\/p>\n<tr><!-- [et_pb_line_break_holder] --> <\/p>\n<th rowspan=\"2\">Age<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th colspan=\"6\" class=\"scenario-header\">IMMEDIATE SALE SCENARIO<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th colspan=\"6\" class=\"scenario-header\">5-YEAR DELAY SCENARIO<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Total Income<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Total Expenses<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Monthly Flow<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Annual Flow<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Cumulative<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Status<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Total Income<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Total Expenses<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Monthly Flow<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Annual Flow<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Cumulative<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th>Status<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/thead>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tbody id=\"comparisonTable\"><!-- [et_pb_line_break_holder] --> <\/tbody>\n<p><!-- [et_pb_line_break_holder] --> <\/table>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"summary-box\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3>Key Insights from Comparison:<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<ul><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Financial Impact:<\/strong> Waiting 5 years results in $840,856 better financial position<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>College Timing:<\/strong> 5-year delay allows paying college costs from salary instead of savings<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Retirement Security:<\/strong> Delay scenario provides strong 401k and preserved home proceeds<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Risk Management:<\/strong> Immediate sale creates sustained financial crisis; delay creates smooth transition<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Richmond Housing:<\/strong> Rent increases make Richmond more expensive than current home after age 65<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Bottom Line:<\/strong> The 5-year delay transforms a high-risk financial crisis into a well-funded retirement transition<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <script><!-- [et_pb_line_break_holder] --> function formatCurrency(amount) {<!-- [et_pb_line_break_holder] --> return '$' + Math.abs(amount).toLocaleString('en-US', {minimumFractionDigits: 0, maximumFractionDigits: 0});<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function generateComparison() {<!-- [et_pb_line_break_holder] --> const tableBody = document.getElementById('comparisonTable');<!-- [et_pb_line_break_holder] --> let immediateNetWorth = 173000; \/\/ Starting proceeds<!-- [et_pb_line_break_holder] --> let delayNetWorth = 0; \/\/ No proceeds yet, but building assets<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> for (let age = 59; age <= 75; age++) {<!-- [et_pb_line_break_holder] --> const row = document.createElement('tr');<!-- [et_pb_line_break_holder] --> const yearsFromStart = age - 59;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ === IMMEDIATE SALE SCENARIO ===<!-- [et_pb_line_break_holder] --> let immediateIncome = 0;<!-- [et_pb_line_break_holder] --> let immediateExpenses = 0;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Income (no salary after age 59)<!-- [et_pb_line_break_holder] --> let vBusiness = (age >= 59 && age <= 68) ? 2000 : 0;<!-- [et_pb_line_break_holder] --> let dBusiness = (age >= 59 && age <= 64) ? 4000 : 0;<!-- [et_pb_line_break_holder] --> let rental = 750;<!-- [et_pb_line_break_holder] --> let vSS = (age >= 65) ? Math.round(3000 * Math.pow(1.012, age - 65)) : 0;<!-- [et_pb_line_break_holder] --> let dSS = (age >= 67) ? Math.round(2800 * Math.pow(1.012, age - 67)) : 0;<!-- [et_pb_line_break_holder] --> let annuity = (age >= 73) ? 3385 : 0;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> immediateIncome = vBusiness + dBusiness + rental + vSS + dSS + annuity;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Expenses (Richmond from age 59)<!-- [et_pb_line_break_holder] --> let household = Math.round(6500 * Math.pow(1.04, yearsFromStart));<!-- [et_pb_line_break_holder] --> let richmondRent = Math.round(2400 * Math.pow(1.11, Math.floor(yearsFromStart \/ 5)));<!-- [et_pb_line_break_holder] --> let healthcare = 1800;<!-- [et_pb_line_break_holder] --> let college = (age >= 63 && age <= 66) ? 2000 : 0;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> immediateExpenses = household + richmondRent + healthcare + college;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> let immediateFlow = immediateIncome - immediateExpenses;<!-- [et_pb_line_break_holder] --> let immediateAnnual = immediateFlow * 12;<!-- [et_pb_line_break_holder] --> immediateNetWorth += immediateAnnual;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ === 5-YEAR DELAY SCENARIO ===<!-- [et_pb_line_break_holder] --> let delayIncome = 0;<!-- [et_pb_line_break_holder] --> let delayExpenses = 0;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> if (age < 64) {<!-- [et_pb_line_break_holder] --> \/\/ Still working, living in current home<!-- [et_pb_line_break_holder] --> let salary = Math.round(140000 \/ 12);<!-- [et_pb_line_break_holder] --> delayIncome = salary + vBusiness + dBusiness + rental;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Current home costs: mortgage until 65, then taxes\/insurance only<!-- [et_pb_line_break_holder] --> let housingCost = age < 65 ? 2626 : Math.round(1126 * Math.pow(1.04, age - 65));<!-- [et_pb_line_break_holder] --> delayExpenses = household + housingCost;<!-- [et_pb_line_break_holder] --> if (age >= 63) delayExpenses += college; \/\/ College starts at 63<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Add 401k contributions to net worth<!-- [et_pb_line_break_holder] --> let annual401k = 140000 * 0.12; \/\/ 12% total (6% employee + 6% match)<!-- [et_pb_line_break_holder] --> delayNetWorth += annual401k;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> } else if (age === 64) {<!-- [et_pb_line_break_holder] --> \/\/ Moving year - get home proceeds<!-- [et_pb_line_break_holder] --> delayNetWorth += 210481; \/\/ Home sale proceeds after 5 years<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Half year each scenario<!-- [et_pb_line_break_holder] --> let salary = Math.round(140000 \/ 24); \/\/ Half year<!-- [et_pb_line_break_holder] --> delayIncome = salary + vBusiness + dBusiness + rental + vSS + dSS + annuity;<!-- [et_pb_line_break_holder] --> delayExpenses = household + (richmondRent\/2) + (Math.round(1126 * Math.pow(1.04, age - 65))\/2) + college + healthcare\/2;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> \/\/ Retired in Richmond<!-- [et_pb_line_break_holder] --> delayIncome = vBusiness + dBusiness + rental + vSS + dSS + annuity;<!-- [et_pb_line_break_holder] --> delayExpenses = household + richmondRent + healthcare + college;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> let delayFlow = delayIncome - delayExpenses;<!-- [et_pb_line_break_holder] --> let delayAnnual = delayFlow * 12;<!-- [et_pb_line_break_holder] --> delayNetWorth += delayAnnual;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Status indicators<!-- [et_pb_line_break_holder] --> let immediateStatus = immediateFlow < -2000 ? \"CRISIS\" : (immediateFlow < 0 ? \"Deficit\" : \"Positive\");<!-- [et_pb_line_break_holder] --> let delayStatus = delayFlow < 0 ? \"Deficit\" : \"Positive\";<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Create row<!-- [et_pb_line_break_holder] --> row.innerHTML = `<!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"age-col\">${age}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"income\">${formatCurrency(immediateIncome)}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"expense\">${formatCurrency(immediateExpenses)}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"${immediateFlow < -2000 ? 'immediate-negative' : (immediateFlow < 0 ? 'expense' : 'income')}\">${immediateFlow >= 0 ? '+' : ''}${formatCurrency(immediateFlow)}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"${immediateAnnual < -24000 ? 'immediate-negative' : (immediateAnnual < 0 ? 'expense' : 'income')}\">${immediateAnnual >= 0 ? '+' : ''}${formatCurrency(immediateAnnual)}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"${immediateNetWorth < 0 ? 'expense' : 'income'}\">${formatCurrency(immediateNetWorth)}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td style=\"font-weight: bold; color: ${immediateStatus === 'CRISIS' ? '#b71c1c' : (immediateStatus === 'Deficit' ? '#d32f2f' : '#2e7d32')}\">${immediateStatus}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"income\">${formatCurrency(delayIncome)}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"expense\">${formatCurrency(delayExpenses)}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"${delayFlow < 0 ? 'expense' : 'delay-positive'}\">${delayFlow >= 0 ? '+' : ''}${formatCurrency(delayFlow)}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"${delayAnnual < 0 ? 'expense' : 'delay-positive'}\">${delayAnnual >= 0 ? '+' : ''}${formatCurrency(delayAnnual)}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"delay-positive\">${formatCurrency(delayNetWorth)}<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td style=\"font-weight: bold; color: ${delayStatus === 'Deficit' ? '#d32f2f' : '#2e7d32'}\">${delayStatus}<\/td>\n<p><!-- [et_pb_line_break_holder] --> `;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Add special styling for crisis and college years<!-- [et_pb_line_break_holder] --> if (immediateFlow < -2000) {<!-- [et_pb_line_break_holder] --> row.classList.add('crisis-year');<!-- [et_pb_line_break_holder] --> } else if (age >= 63 && age <= 66) {<!-- [et_pb_line_break_holder] --> row.classList.add('college-year');<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> tableBody.appendChild(row);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Generate the comparison when page loads<!-- [et_pb_line_break_holder] --> generateComparison();<!-- [et_pb_line_break_holder] --> <\/script><!-- [et_pb_line_break_holder] --><\/body><!-- [et_pb_line_break_holder] --><\/html><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Title of Document\u00a0Prepared for: Client NamePrepared by: Dr Babara Walker-Green<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template-blank.php","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-872","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/pages\/872","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/comments?post=872"}],"version-history":[{"count":5,"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/pages\/872\/revisions"}],"predecessor-version":[{"id":877,"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/pages\/872\/revisions\/877"}],"wp:attachment":[{"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/media?parent=872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}