Wendy Shepherd is a 41-year-old Female who works as a Artist. They are currently Divorced and live at 56684 Tommy Drives Suite 190, Johntown, LA 75441 in UK. They have 1 dependents: Michelle (Age: 8, Gender: Female). Their financial goal is Retirement with a target amount of $171406 to be achieved in 19 months. Currently, they earn $107202 per month and have an expenditure of $19502. They have $24434 in savings, $26259 in fixed deposits, $20721 in stocks, $26764 in mutual funds, and $17309 in other investments. No insurance. Debt: Yes, Amount: $17678, Type: Mortgage, Interest Rate: 3.962087174370184%. Loan Start Date: 2015-09-08, Loan End Date: 2030-05-09. Emergency Fund: Yes, Amount: $5400.
Plan for Wendy Shepherd:
1. Income: $107202 per month
2. Emergency Fund: $5400 (adequate for 6 months of expenses).
3. Savings: $24434
4. Debts: $17678 (Mortgage) with an interest rate of 3.962087174370184%.
5. Insurance:  with coverage of $0 and a monthly premium of $0.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $20721
Future Value after 10 years: $51802.5
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $26764
Future Value after 10 years: $53528.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $26259
Future Value after 10 years: $39388.5
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $17309
Future Value after 10 years: $20770.8
Annual Interest Rate: 3.5%

7. Financial Goal: Retirement with a target amount of $171406 to be achieved in 19 months.
8. Net Worth: $153728.0
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.