Melissa Dougherty is a 66-year-old Male who works as a Engineer. They are currently Divorced and live at 7316 Valerie Shoals Suite 347, Lake Melissa, OR 72612 in USA. They have 2 dependents: Jennifer (Age: 9, Gender: Male), Mark (Age: 23, Gender: Female). Their financial goal is Save for House with a target amount of $288552 to be achieved in 101 months. Currently, they earn $57039 per month and have an expenditure of $44541. They have $25008 in savings, $24196 in fixed deposits, $24050 in stocks, $23871 in mutual funds, and $1004 in other investments. Insurance: Home Insurance with a premium of $1863 and coverage of $63793. No debt. Emergency Fund: Yes, Amount: $14735.
Plan for Melissa Dougherty:
1. Income: $57039 per month
2. Emergency Fund: $14735 (adequate for 6 months of expenses).
3. Savings: $25008
4. Debts: $0 () with an interest rate of 0.0%.
5. Insurance: Home Insurance with coverage of $63793 and a monthly premium of $1863.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $24050
Future Value after 10 years: $60125.0
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $23871
Future Value after 10 years: $47742.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $24196
Future Value after 10 years: $36294.0
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $1004
Future Value after 10 years: $1204.8
Annual Interest Rate: 3.5%

7. Financial Goal: Save for House with a target amount of $288552 to be achieved in 101 months.
8. Net Worth: $288552.0
9. Recommendations:
   - Increase monthly contributions to meet the financial goal.
   - Consider reallocating investments to achieve better returns based on your risk profile.
   - Ensure adequate emergency fund and insurance coverage.