Cash Flow Tool

Noah Schwartz, CFP®

Expense Information Form | Magnolia Private Wealth

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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: 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.

Loans and Debt

Mortgages, HELOCs, car loans, student loans, credit cards, and any other borrowing. Choose a type for each and add one entry per loan or card.

Loan Type

Description

Original Loan Amount

Original Term

Current Balance

Interest Rate

Monthly Payment

Remaining Term

Extra or irregular payments have been made on this loan

Property-Related Costs

Ongoing carrying costs for any property you own — a home, rental, vacation condo, undeveloped land, or even a boat slip. Think maintenance, taxes, insurance, and association fees. One entry per property.

Property Description

Maintenance / Upkeep (annual)

Property Taxes (annual)

Insurance (annual)

HOA / Other (annual)

Known Future Expenses

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

Description

Estimated Cost

Frequency

Expected Timeframe

Notes

Personal Insurance

Life, disability, long-term care, health insurance, and Medicare premiums. (Property and homeowners insurance are captured in Section 2.) Add one entry per policy.

Policy / Description

Annual Premium

Notes

Everyday Living Expenses

Your lifestyle baseline — the steady, recurring cost of daily life: groceries, utilities, dining, gas, clothing, entertainment, and subscriptions. One comfortable number.

Monthly Baseline

$ / mo

Notes

Discretionary / Lifestyle Add-Ons

Things you do and plan to spend on regularly, but that sit on top of your everyday baseline rather than within it. Examples: travel and vacations, club memberships, charitable giving, hobby spending, gifts, season tickets, and entertaining. 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.}

Cash Flow Tool

Expense Information Form

Loans and Debt

Property-Related Costs

Known Future Expenses

Personal Insurance

Everyday Living Expenses

Discretionary / Lifestyle Add-Ons

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