{"id":927,"date":"2025-06-21T22:36:00","date_gmt":"2025-06-21T22:36:00","guid":{"rendered":"https:\/\/awrpc.info\/?page_id=927"},"modified":"2025-06-21T22:48:10","modified_gmt":"2025-06-21T22:48:10","slug":"summary-veronica-ford","status":"publish","type":"page","link":"https:\/\/awrpc.info\/index.php\/summary-veronica-ford\/","title":{"rendered":"Summary for Veronica Ford"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(255,243,71,0.16)&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row column_structure=&#8221;1_4,3_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;http:\/\/awrpc.info\/wp-content\/uploads\/2025\/02\/Barbara-Walker-074-copy.png&#8221; title_text=&#8221;Barbara Walker-074 copy&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;3_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;http:\/\/awrpc.info\/wp-content\/uploads\/2024\/09\/Advanced-Wealth-Long-Logo-Full-Color-copy.png&#8221; title_text=&#8221;Advanced Wealth Long Logo Full Color copy&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#30568F&#8221; header_font_size=&#8221;60px&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<h1>Title of Document<\/h1>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#79A984&#8243; text_font_size=&#8221;36px&#8221; text_orientation=&#8221;center&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<p>Prepared for: Veronica Ford<\/p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<p>Prepared by: Dr Babara Walker-Green<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_code _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<!DOCTYPE html><!-- [et_pb_line_break_holder] --><html lang=\"en\"><!-- [et_pb_line_break_holder] --><head><!-- [et_pb_line_break_holder] -->    <meta charset=\"UTF-8\"><!-- [et_pb_line_break_holder] -->    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\"><!-- [et_pb_line_break_holder] -->    <title>Side-by-Side Financial Comparison<\/title><!-- [et_pb_line_break_holder] -->    <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: #2c3e50 !important;<!-- [et_pb_line_break_holder] -->            color: white !important;<!-- [et_pb_line_break_holder] -->            padding: 12px 8px;<!-- [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] -->            border: 1px solid #34495e;<!-- [et_pb_line_break_holder] -->            font-size: 12px;<!-- [et_pb_line_break_holder] -->            text-shadow: 1px 1px 2px rgba(0,0,0,0.3);<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->        .scenario-header {<!-- [et_pb_line_break_holder] -->            background: #34495e !important;<!-- [et_pb_line_break_holder] -->            font-size: 13px;<!-- [et_pb_line_break_holder] -->            font-weight: 700;<!-- [et_pb_line_break_holder] -->            letter-spacing: 0.5px;<!-- [et_pb_line_break_holder] -->            text-transform: uppercase;<!-- [et_pb_line_break_holder] -->            color: #ecf0f1 !important;<!-- [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><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] -->    <div class=\"container\"><!-- [et_pb_line_break_holder] -->        <h1>Financial Comparison: Immediate Move vs 5-Year Delay<\/h1><!-- [et_pb_line_break_holder] -->        <!-- [et_pb_line_break_holder] -->        <div class=\"scenario-comparison\"><!-- [et_pb_line_break_holder] -->            <div class=\"scenario-card immediate-scenario\"><!-- [et_pb_line_break_holder] -->                <h2>Immediate Sale (Age 59)<\/h2><!-- [et_pb_line_break_holder] -->                <div class=\"highlight\">HIGH RISK<\/div><!-- [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><!-- [et_pb_line_break_holder] -->            <div class=\"scenario-card delay-scenario\"><!-- [et_pb_line_break_holder] -->                <h2>5-Year Delay (Age 63\/64)<\/h2><!-- [et_pb_line_break_holder] -->                <div class=\"highlight\">LOW RISK<\/div><!-- [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><!-- [et_pb_line_break_holder] -->        <\/div><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <div class=\"key-metrics\"><!-- [et_pb_line_break_holder] -->            <div class=\"metric-card negative\"><!-- [et_pb_line_break_holder] -->                <h4>Immediate Sale Impact<\/h4><!-- [et_pb_line_break_holder] -->                <div style=\"font-size: 20px; font-weight: bold; color: #c62828;\">-$840,856<\/div><!-- [et_pb_line_break_holder] -->                <pee>Total financial disadvantage<\/pee><!-- [et_pb_line_break_holder] -->            <\/div><!-- [et_pb_line_break_holder] -->            <div class=\"metric-card\"><!-- [et_pb_line_break_holder] -->                <h4>Lost Salary<\/h4><!-- [et_pb_line_break_holder] -->                <div style=\"font-size: 20px; font-weight: bold;\">$700,000<\/div><!-- [et_pb_line_break_holder] -->                <pee>5 years of earnings<\/pee><!-- [et_pb_line_break_holder] -->            <\/div><!-- [et_pb_line_break_holder] -->            <div class=\"metric-card\"><!-- [et_pb_line_break_holder] -->                <h4>Lost 401k Growth<\/h4><!-- [et_pb_line_break_holder] -->                <div style=\"font-size: 20px; font-weight: bold;\">$103,375<\/div><!-- [et_pb_line_break_holder] -->                <pee>Additional retirement savings<\/pee><!-- [et_pb_line_break_holder] -->            <\/div><!-- [et_pb_line_break_holder] -->            <div class=\"metric-card positive\"><!-- [et_pb_line_break_holder] -->                <h4>Home Appreciation<\/h4><!-- [et_pb_line_break_holder] -->                <div style=\"font-size: 20px; font-weight: bold;\">+$37,481<\/div><!-- [et_pb_line_break_holder] -->                <pee>Additional equity in 5 years<\/pee><!-- [et_pb_line_break_holder] -->            <\/div><!-- [et_pb_line_break_holder] -->        <\/div><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <div class=\"table-container\"><!-- [et_pb_line_break_holder] -->            <table><!-- [et_pb_line_break_holder] -->                <thead><!-- [et_pb_line_break_holder] -->                    <tr><!-- [et_pb_line_break_holder] -->                        <th rowspan=\"2\">Age<\/th><!-- [et_pb_line_break_holder] -->                        <th colspan=\"6\" class=\"scenario-header\">Immediate Sale Scenario<\/th><!-- [et_pb_line_break_holder] -->                        <th colspan=\"6\" class=\"scenario-header\">5-Year Delay Scenario<\/th><!-- [et_pb_line_break_holder] -->                    <\/tr><!-- [et_pb_line_break_holder] -->                    <tr><!-- [et_pb_line_break_holder] -->                        <th>Total Income<\/th><!-- [et_pb_line_break_holder] -->                        <th>Total Expenses<\/th><!-- [et_pb_line_break_holder] -->                        <th>Monthly Flow<\/th><!-- [et_pb_line_break_holder] -->                        <th>Annual Flow<\/th><!-- [et_pb_line_break_holder] -->                        <th>Cumulative<\/th><!-- [et_pb_line_break_holder] -->                        <th>Status<\/th><!-- [et_pb_line_break_holder] -->                        <th>Total Income<\/th><!-- [et_pb_line_break_holder] -->                        <th>Total Expenses<\/th><!-- [et_pb_line_break_holder] -->                        <th>Monthly Flow<\/th><!-- [et_pb_line_break_holder] -->                        <th>Annual Flow<\/th><!-- [et_pb_line_break_holder] -->                        <th>Cumulative<\/th><!-- [et_pb_line_break_holder] -->                        <th>Status<\/th><!-- [et_pb_line_break_holder] -->                    <\/tr><!-- [et_pb_line_break_holder] -->                <\/thead><!-- [et_pb_line_break_holder] -->                <tbody id=\"comparisonTable\"><!-- [et_pb_line_break_holder] -->                <\/tbody><!-- [et_pb_line_break_holder] -->            <\/table><!-- [et_pb_line_break_holder] -->        <\/div><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <div class=\"summary-box\"><!-- [et_pb_line_break_holder] -->            <h3>Key Insights from Comparison:<\/h3><!-- [et_pb_line_break_holder] -->            <ul><!-- [et_pb_line_break_holder] -->                <li><strong>Financial Impact:<\/strong> Waiting 5 years results in $840,856 better financial position<\/li><!-- [et_pb_line_break_holder] -->                <li><strong>College Timing:<\/strong> 5-year delay allows paying college costs from salary instead of savings<\/li><!-- [et_pb_line_break_holder] -->                <li><strong>Retirement Security:<\/strong> Delay scenario provides strong 401k and preserved home proceeds<\/li><!-- [et_pb_line_break_holder] -->                <li><strong>Risk Management:<\/strong> Immediate sale creates sustained financial crisis; delay creates smooth transition<\/li><!-- [et_pb_line_break_holder] -->                <li><strong>Richmond Housing:<\/strong> Rent increases make Richmond more expensive than current home after age 65<\/li><!-- [et_pb_line_break_holder] -->                <li><strong>Bottom Line:<\/strong> The 5-year delay transforms a high-risk financial crisis into a well-funded retirement transition<\/li><!-- [et_pb_line_break_holder] -->            <\/ul><!-- [et_pb_line_break_holder] -->        <\/div><!-- [et_pb_line_break_holder] -->    <\/div><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <script><!-- [et_pb_line_break_holder] -->        function formatCurrency(amount) {<!-- [et_pb_line_break_holder] -->            return '$' + 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] -->                    <td class=\"age-col\">${age}<\/td><!-- [et_pb_line_break_holder] -->                    <td class=\"income\">${formatCurrency(immediateIncome)}<\/td><!-- [et_pb_line_break_holder] -->                    <td class=\"expense\">${formatCurrency(immediateExpenses)}<\/td><!-- [et_pb_line_break_holder] -->                    <td class=\"${immediateFlow < -2000 ? 'immediate-negative' : (immediateFlow < 0 ? 'expense' : 'income')}\">${immediateFlow >= 0 ? '+' : ''}${formatCurrency(immediateFlow)}<\/td><!-- [et_pb_line_break_holder] -->                    <td class=\"${immediateAnnual < -24000 ? 'immediate-negative' : (immediateAnnual < 0 ? 'expense' : 'income')}\">${immediateAnnual >= 0 ? '+' : ''}${formatCurrency(immediateAnnual)}<\/td><!-- [et_pb_line_break_holder] -->                    <td class=\"${immediateNetWorth < 0 ? 'expense' : 'income'}\">${formatCurrency(immediateNetWorth)}<\/td><!-- [et_pb_line_break_holder] -->                    <td style=\"font-weight: bold; color: ${immediateStatus === 'CRISIS' ? '#b71c1c' : (immediateStatus === 'Deficit' ? '#d32f2f' : '#2e7d32')}\">${immediateStatus}<\/td><!-- [et_pb_line_break_holder] -->                    <td class=\"income\">${formatCurrency(delayIncome)}<\/td><!-- [et_pb_line_break_holder] -->                    <td class=\"expense\">${formatCurrency(delayExpenses)}<\/td><!-- [et_pb_line_break_holder] -->                    <td class=\"${delayFlow < 0 ? 'expense' : 'delay-positive'}\">${delayFlow >= 0 ? '+' : ''}${formatCurrency(delayFlow)}<\/td><!-- [et_pb_line_break_holder] -->                    <td class=\"${delayAnnual < 0 ? 'expense' : 'delay-positive'}\">${delayAnnual >= 0 ? '+' : ''}${formatCurrency(delayAnnual)}<\/td><!-- [et_pb_line_break_holder] -->                    <td class=\"delay-positive\">${formatCurrency(delayNetWorth)}<\/td><!-- [et_pb_line_break_holder] -->                    <td style=\"font-weight: bold; color: ${delayStatus === 'Deficit' ? '#d32f2f' : '#2e7d32'}\">${delayStatus}<\/td><!-- [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_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; sticky_enabled=&#8221;0&#8243; background_color=&#8221;#000000&#8243;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; max_width=&#8221;90%&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_text_color=&#8221;#D6D6D6&#8243; sticky_enabled=&#8221;0&#8243; text_font_size=&#8221;14px&#8221; text_orientation=&#8221;center&#8221; text_line_height=&#8221;1.1em&#8221;]<p><span>Advisory services offered through TLG Advisors, Inc. 475 Springfield Ave., Summit, NJ 07901. \u00a0888-371-0013, an Investment Adviser registered with the U.S. Securities &amp; Exchange Commission.<\/span><\/p>\n<p><span> Insurance and insurance related products offered by Advanced Wealth and Retirement Planning Concepts, LLC. TLG Advisors, Inc and Advanced Wealth and Retirement Planning Concepts, LLC are not affiliated companies.\u00a0<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Title of DocumentPrepared for: Veronica FordPrepared by: Dr Babara Walker-GreenAdvisory services offered through TLG Advisors, Inc. 475 Springfield Ave., Summit, NJ 07901. \u00a0888-371-0013, an Investment Adviser registered with the U.S. Securities &amp; Exchange Commission. Insurance and insurance related products offered by Advanced Wealth and Retirement Planning Concepts, LLC. TLG Advisors, Inc and Advanced Wealth and Retirement Planning Concepts, LLC are not affiliated companies.\u00a0<\/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-927","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/pages\/927","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=927"}],"version-history":[{"count":7,"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/pages\/927\/revisions"}],"predecessor-version":[{"id":936,"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/pages\/927\/revisions\/936"}],"wp:attachment":[{"href":"https:\/\/awrpc.info\/index.php\/wp-json\/wp\/v2\/media?parent=927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}