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Using the financial ratios to identify the Clients strengths and weaknesses.

The Clients Financial Information (monthly figures): Data provided as of 12/31/2015
Clients wifes Monthly Salary	2,500
Jewelry	6,500
401(k) Account (His)	110,368
Dividend/Interest Income (monthly)	47
401(k) Account (Her)	37,581
Mortgage Payment (PITI)	1,777
Boat	8,000
Infiniti Payment	448
2007 Jeep Patriot	12,000
Jeep Payment	240
Harley Payment	210
Furniture	12,300
BB National Credit Card Payment	195
Infiniti Loan	42,000 (3% interest rate. Length of loan unknown )
Sears Credit Card Payment	305
Brokerage Account	3,700
Cable	120
Alarm System	39
BB National CC	5,237 ( 24% interest rate )
Life Insurance	140
Internet	100
Gas	370
Cellphone	130
Clients 's Monthly Salary	8,800
Harley Davidson	21,000
Water	80
Sears CC	10,200 (18% interest rate )
Entertainment	400
Auto Insurance	168
Child Care	1,400
Home Repairs	200
2010 Infiniti E35	44,500
Groceries	500
Checking (Joint)	2,000
Bank CD (Joint)	4,000
Dining Out	400
Hobbies	300
Savings Account	2,300
Roth IRA (H)	7,298
Club Dues	150
Harley Davidson Loan	18,000 (6% rate on loan. Remaining terms unknown. )
Dry Cleaning	160
Charity	350
Primary Mortgage	180,000 (This is the approximate balance of the mortgage. The current interest rate is 6.6% and the original loan amount was for $200,000. The mortgage is a 30 year mortgage.)
Landscaping	300
Maid	400
Parking and Tolls	40
Dividend/ Interest Reinvestment	47
Student Loan Payment	280
clients's 401(k) contributions	300
Student Loans H	37,000 (Student Loans were just consolidated. Interest rate is 6% . )
wifes 401(k) contributions	250
Cash Savings Contribution	300
Jeep Auto Loan	10,000 (Interest rate is 5% and original term of the loan is unknown )
clients's Roth Contributions	220
Total Taxes (FICA AND INCOME TAX)	553
Primary Home (VALUE)	278,900

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