Patricia Edwards is a 42-year-old Male who works as a Teacher. They are currently Married and live at 4773 Jason Ranch, Tylerburgh, UT 70419 in Canada. They have 4 dependents: Amanda (Age: 16, Gender: Female), Russell (Age: 16, Gender: Female), Julie (Age: 27, Gender: Male), Denise (Age: 13, Gender: Male). Their financial goal is Retirement with a target amount of $109471 to be achieved in 35 months. Currently, they earn $43917 per month and have an expenditure of $18791. They have $13130 in savings, $5061 in fixed deposits, $42456 in stocks, $10496 in mutual funds, and $4798 in other investments. Insurance: Health Insurance with a premium of $7020 and coverage of $100870. Debt: Yes, Amount: $16991, Type: Personal Loan, Interest Rate: 11.438712473424557%. Loan Start Date: 2016-05-10, Loan End Date: 2033-01-22. Emergency Fund: Yes, Amount: $19156.
Plan for Patricia Edwards:
1. Income: $43917 per month
2. Emergency Fund: $19156 (adequate for 6 months of expenses).
3. Savings: $13130
4. Debts: $16991 (Personal Loan) with an interest rate of 11.438712473424557%.
5. Insurance: Health Insurance with coverage of $100870 and a monthly premium of $7020.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $42456
Future Value after 10 years: $106140.0
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $10496
Future Value after 10 years: $20992.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $5061
Future Value after 10 years: $7591.5
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $4798
Future Value after 10 years: $5757.599999999999
Annual Interest Rate: 3.5%

7. Financial Goal: Retirement with a target amount of $109471 to be achieved in 35 months.
8. Net Worth: $92480.0
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.