Ashley Smith is a 23-year-old Female who works as a Doctor. They are currently Married and live at 146 Cain Glen, West Bethmouth, NM 37441 in India. They have 2 dependents: Monique (Age: 22, Gender: Male), Elizabeth (Age: 8, Gender: Female). Their financial goal is Retirement with a target amount of $151869 to be achieved in 14 months. Currently, they earn $95477 per month and have an expenditure of $45838. They have $10816 in savings, $16124 in fixed deposits, $35061 in stocks, $21955 in mutual funds, and $11555 in other investments. Insurance: Life Insurance with a premium of $8317 and coverage of $202384. Debt: Yes, Amount: $1103, Type: Personal Loan, Interest Rate: 11.010626519631726%. Loan Start Date: 2018-12-12, Loan End Date: 2029-11-10. Emergency Fund: Yes, Amount: $14775.
Plan for Ashley Smith:
1. Income: $95477 per month
2. Emergency Fund: $14775 (adequate for 6 months of expenses).
3. Savings: $10816
4. Debts: $1103 (Personal Loan) with an interest rate of 11.010626519631726%.
5. Insurance: Life Insurance with coverage of $202384 and a monthly premium of $8317.
6. Investments:
Investment Type: Stocks
Monthly Contribution: $35061
Future Value after 10 years: $87652.5
Annual Interest Rate: 20.0%

Investment Type: Mutual Funds
Monthly Contribution: $21955
Future Value after 10 years: $43910.0
Annual Interest Rate: 15.0%

Investment Type: Fixed Deposit
Monthly Contribution: $16124
Future Value after 10 years: $24186.0
Annual Interest Rate: 7.0%

Investment Type: Bonds
Monthly Contribution: $11555
Future Value after 10 years: $13866.0
Annual Interest Rate: 3.5%

7. Financial Goal: Retirement with a target amount of $151869 to be achieved in 14 months.
8. Net Worth: $150766.0
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.