Kenneth Castillo is a 25-year-old Female who works as a Engineer. They are currently Divorced and live at 21613 Caldwell Junction, Jameschester, MO 88681 in Canada. They have 2 dependents: Michael (Age: 21, Gender: Male), Kelly (Age: 1, Gender: Female). Their financial goal is Save for Education with a target amount of $167006 to be achieved in 19 months. Currently, they earn $95096 per month and have an expenditure of $37392. They have $38274 in savings, $12 in fixed deposits, $45722 in stocks, $7020 in mutual funds, and $12422 in other investments. No insurance. Debt: Yes, Amount: $14537, Type: Personal Loan, Interest Rate: 10.698013861049365%. Loan Start Date: 2021-07-14, Loan End Date: 2029-12-15. Emergency Fund: Yes, Amount: $5094.
Plan for Kenneth Castillo:
1. Income: $95096 per month
2. Emergency Fund: $5094 (adequate for 6 months of expenses).
3. Savings: $38274
4. Debts: $14537 (Personal Loan) with an interest rate of 10.698013861049365%.
5. Insurance:  with coverage of $0 and a monthly premium of $0.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $45722
Future Value after 10 years: $114305.0
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $7020
Future Value after 10 years: $14040.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $12
Future Value after 10 years: $18.0
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $12422
Future Value after 10 years: $14906.4
Annual Interest Rate: 3.5%

7. Financial Goal: Save for Education with a target amount of $167006 to be achieved in 19 months.
8. Net Worth: $152469.0
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.