Cash Flow Tool

Noah Schwartz, CFP®
Expense Information Form | Magnolia Private Wealth

Magnolia Private Wealth

Expense Information Form

Client Name

Advisor

Date Completed

Complete each section as accurately as you can. Round numbers and estimates are fine; we can refine anything together. When in doubt, use annual figures and note whether each amount is monthly or annual.

A few things are intentionally left out of this form: income sources, investment and retirement accounts, and tax considerations are each handled in separate parts of the planning process. If something doesn't seem to have a home in any of these six categories, add it to the notes section at the bottom.

1

Loans and Debt

Mortgages, car loans, student loans, home equity lines. Add one entry per loan.

Description

Original Loan Amount

Original Term

Current Balance

Interest Rate

Monthly Payment

Remaining Term

2

Property-Related Costs

Property taxes, homeowners insurance, HOA fees, condo fees. One entry per property.

Property Description

Property Taxes (annual)

Insurance (annual)

HOA / Other (annual)

3

Known Future Expenses

Large one-time costs you're anticipating. Estimates are fine; we'll refine together.

Description

Estimated Cost

Frequency

Expected Timeframe

Notes

4

Insurance and Healthcare

Life, disability, long-term care, health insurance, Medicare premiums. Add one entry per policy.

Policy / Description

Annual Premium

Notes

5

Everyday Living Expenses

Groceries, utilities, dining, gas, clothing, entertainment, subscriptions: your lifestyle baseline. One comfortable number.

Monthly Baseline

$ / mo

Notes

6

Discretionary / Lifestyle Add-Ons

Planned but flexible spending: travel, club memberships, charitable giving, hobbies. Add one entry per item.

Description

Amount

Frequency

Notes

Estimated Monthly Total

Debt Payments

$—

Property Costs

$—

Insurance

$—

Everyday Living

$—

Discretionary

$—

Total Monthly Expenses $—
Notes and Context Use this space for anything that doesn't fit above

This is a good place to mention expenses you're uncertain about, items that are changing soon, anything that felt like it didn't belong in a category, or context that would help us model your situation more accurately. Income, investments, and tax considerations are captured separately. This is for everything else on your mind.

Disclaimer: The opinions voiced and information provided in this document is for informational and educational purposes only.  It should not be considered investment, financial, or legal advice. Nothing herein constitutes a recommendation to buy, sell, or hold any security or financial instrument. Magnolia Private Wealth does not provide tax, legal or accounting advice. Investing involves risk, including the potential loss of principal. You should consult with a qualified financial advisor, tax professional, or other appropriate professional before making any financial decisions. The author and publisher assume no liability for any losses or damages resulting from the use of this information.

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