James Bell is a 25-year-old Male who works as a Artist. They are currently Married and live at Unit 6902 Box 8989, DPO AE 52431 in UK. They have 4 dependents: Alejandra (Age: 14, Gender: Female), April (Age: 7, Gender: Female), Amy (Age: 27, Gender: Female), Christina (Age: 9, Gender: Female). Their financial goal is Retirement with a target amount of $153478 to be achieved in 15 months. Currently, they earn $64389 per month and have an expenditure of $14210. They have $15621 in savings, $23662 in fixed deposits, $24590 in stocks, $27730 in mutual funds, and $6318 in other investments. No insurance. No debt. No emergency fund.
Plan for James Bell:
1. Income: $64389 per month
2. Emergency Fund: $85260 (adequate for 6 months of expenses).
3. Savings: $15621
4. Debts: $0 () with an interest rate of 0.0%.
5. Insurance:  with coverage of $0 and a monthly premium of $0.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $24590
Future Value after 10 years: $61475.0
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $27730
Future Value after 10 years: $55460.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $23662
Future Value after 10 years: $35493.0
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $6318
Future Value after 10 years: $7581.599999999999
Annual Interest Rate: 3.5%

7. Financial Goal: Retirement with a target amount of $153478 to be achieved in 15 months.
8. Net Worth: $153478.0
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.