SMITH FAMILY FINANCIAL PORTFOILIO Hampton-Baez Financial Inc. $100,000 Inheritance Investment Proposal
Jan 07, 2016
SMITH FAMILY FINANCIAL PORTFOILIO
Hampton-Baez Financial Inc.$100,000 Inheritance Investment Proposal
Financial Evaluation
Mr. and Mrs. John Smith 2007
Combined Annual Income $ 85,000
Tax Bracket 25 %
Dependents 2
Combined Student Loans Debt $ 20,000
Credit Card Debt $4,000
Checking $ 8,000
Savings $ 12,000
Education Strategy
• Coverdale Education Savings Account• 529 Plan• 15% Inheritance Contribution
Current Retirement
401(k) Evaluation
WagesContribution
Level2007
Pre-tax TotalEmployer
Match 2007 Total
Match Total Contribution
John $ 48,000.00 4% $ 1,920.00 100% $ 1,920.00 $ 3,840.00
Jane $ 37,000.00 2% $ 740.00 50% $ 370.00 $ 1,110.00
Total $ 85,000.00 $ 2,660.00 $ 2,290.00 $ 4,950.00
John $ 48,000.00 6% $ 2,880.00 100% $ 2,880.00 $ 5,760.00
Jane $ 37,000.00 0% $ - 50% $ -
Total $ 85,000.00 $ 2,880.00 $ 2,880.00 $ 5,760.00
Increased Contribution $ 220.00 Increased Investment $ 810.00
Retirement Strategy
• Individual Retirement Accounts (IRA’s)– Traditional IRA– Roth IRA
• Government Securities• Stocks
Investment Portfolio
Investment Portfolio
Category Total Invested PercentEducation $ 15,000 15%Individual Retirement Accounts $ 10,000 10%Bonds $ 60,500 61%Stocks $ 14,236 14%
Total $ 99,736 100%
Government Bonds
Long-Term BondsBond Issuer Ticker Yield Invesment Qty Cost
T. Rowe Price U.S. Treasury Long-Term
PRULX 4.48% $ 2,500 1 $ 2,500
Rydex Govt Long Bond 1.2x Strategy A
RYABX 3.17% $ 2,500 1 $ 2,500
Wasatch-Hoisington U.S. Treasury WHOSX 3.96% $ 2,000 1 $ 2,000
Vanguard Long-Term U.S. Treasury VUSTX 4.65% $ 3,000 1 $ 3,000
Short-Term BondsBond Issuer Ticker Yield Invesment Qty Cost
State Farm Interim SFITX 3.35% $ 250 1 $ 250
Federated U.S. Govt: 2-5 YR K FIGKX 3.22% $ 250 1 $ 250
BNY Mellon ShortTrm U.S. Govt Secs M
MPSUX 4.13% $ 10,000 1 $ 10,000
Payden U.S. Government PYUSX 3.33% $ 5,000 1 $ 5,000
Inflation Protected BondsBond Issuer Ticker Yield Invesment Qty Cost
American Century Inflat-Adj Bd Inv ACITX 0.67% $ 2,500 1 $ 2,500
American Century Inflation Prot Bd Inv
APOIX 5.81% $ 2,500 1 $ 2,500
BlackRock Inflation Protected Bond A
BPRAX 7.08% $ 1,000 1 $ 1,000
Municipal Bonds
Pennsylvania BondsBond Issuer Ticker Yield Invesment Qty Cost
First Investors Tax Exempt PA A FTPAX 4.13% $ 1,000 1 $ 1,000
Allegiant PA Intermediate Municipal A
APMRX 3.31% $ 1,000 1 $ 1,000
Fidelity Pennsylvania Municipal Income
FPXTX 4.06% $ 10,000 1 $ 10,000
Glenmede Municipal Intermediate GTCMX 3.42% $ 1,000 1 $ 1,000
High Yield BondsBond Issuer Ticker Yield Invesment Qty Cost
Legg Mason Partners Municipl High Inc A
STXAX 5.94% $ 1,000 1 $ 1,000
Dryden Municipal Bond High-Inc C
PHICX 5.32% $ 2,500 1 $ 2,500
Waddell & Reed Adv Muni High-Inc A
UMUHX 5.75% $ 500 1 $ 500
National Long-Term BondsBond Issuer Ticker Yield Invesment Qty Cost
Madison Mosaic Tax-Free National GTFHX 3.63% $ 1,000 1 $ 1,000
SunAmerica Tax-Exempt Insured A STEAX 3.47% $ 500 1 $ 500 RS Tax-Exempt A GUTEX 3.60% $ 2,500 1 $ 2,500
National Short-Term BondsBond Issuer Ticker Yield Invesment Qty Cost
Alpine Ultra Short Tax Optimized Inc ATOIX 4.09% $ 2,500 1 $ 2,500 Columbia Short Term Muni Bond Z NSMIX 3.17% $ 2,500 1 $ 2,500 Vanguard Short-Term Tax-Ex VWSTX 3.25% $ 3,000 1 $ 3,000
Stocks
Investment Breakdown
Thank You