#ASDAnet @ASDAnet ACCOUNTING TAX & PERSONAL FINANCE MEGAN C HILLE, JD PESAVENTO & PESAVENTO LTD...

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ACCOUNTING TAX&

PERSONAL FINANCE

MEGAN C HILLE, JD

PESAVENTO & PESAVENTO LTDBerwyn, Illinois 60402

(708) 447-8399November 15, 2013

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R E A D

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LIVE WITHIN YOUR MEANS

65%

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Click icon to add picture

QUICKEN

Easy to download bank statement & credit card transactions

MINT.com is free…

But is it, really?

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PERSONAL BUDGETPer Month Annual

HousingMortgage Payment or RentUtilitiesHousing MaintenanceProperty Insurance R/E Taxes or Condo Assessmts

Food & HouseholdGroceriesHousehold Supplies

ClothingPurchases

TransportationAutomobile PaymentsAutomobile InsuranceFuel, Repairs, Parking, Mass Transit

Medical & Dental Out of Pockets

FIXED

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PERSONAL BUDGETPer Month Annual

InsuranceHealthDisabilityLife

Debt RepaymentCredit CardsStudent LoansPractice Purchase

SAVINGS for Retirement

Entertainment & RecreationVacation & TravelMeals Out & Other Entertm'tClubs & Other Recreation

Charitable Contributions

MiscellaneousEducation/Professional ExpChild CareMad MoneyHome FurnishingsDry Cleaning

ANNUAL TOTAL

FIXED

DISCRETIONARY

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PERSONAL BUDGETSTUDENT STUDENT

CASH LOAN CASH Average LOANFLOW 7% RATE FLOW ROI 7% RATEFROM 10 YEAR FROM 7% 10 YEAR

YEAR EARNINGS SAVINGS BALANCE YEAR EARNINGS SAVINGS BALANCE

300,000 300,000

1/2 Income 40,000 1/2 Income 40,000

- Taxes (10,000) - Taxes (10,000) Net to Live on 30,000 Net to Live on 30,000 -

1 Income 110,000 1 Income 110,000 - Taxes (27,500) - Taxes (27,500) - Student Debt (46,556) 273,400 - Student Debt (41,556) 276,968 - Savings: Em - - Savings: Em (5,000) 5,000 Net to Live on 35,944 Net to Live on 35,944 5,350

DR LEO D VINCI DR DU N GOOD

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DEBITS & CREDITS• The Agony & the Ecstasy• Women are more likely to

incur larger credit card debts• Read those notices they send

in the mail that have very smallprint

• Don’t make just minimum monthly payments

• Have a pay down strategy

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25%

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PESAVENTO & PESAVENTO LTD CPAs©

CHECKING

SAVINGS

MONEY MARKET

CERTIFICATES OF DEPOSIT

emergency fund

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TAX DEFERRED VS TAX EXEMPT

IRAs

ROTH IRAs

401K PROFIT SHARING PLANS

SEPs SIMPLEs

10%

Trad IRAROTH

IRA SEP SIMPLE 401K

1- Who can establish?Individuals Y YUnincorporated sole proprietors Y Y YCorporate Employers Y Y YPartnerships Y Y Y

2- Any Restrictions?Must be less than 70 1/2 years old to make contribution Y N MAYBE MAYBE NMust have "earned" compensation (see definitions below ) Y Y Y Y YAny income limits to restrict a contribution?

Single N <$127k N N NMarried Filing Joint N <$188k N N N

Is there a maximum amount you can contribute?If age <50 per individual $5,500 $5,500 $50,000 $12,000 $17,500If age 50+ per individual $6,500 $6,500 $50,000 $14,500 $23,000

3- Are contributions mandatory N N N NEmployer, based on eligibility requirements Y - 3%Employee N

4- When must the plan be established?By December 31 of the year to make a contribution YBy October 1 of the year to make a contribution Y

5- When must the contribution be made?By December 31 for the employee YBy April 15th of the following year Y YBy the due date of the tax return in the following year,

including extensions, for the employer Y Y Y

6- How are contributions determined?The LESSER of earned compensation or:

If age <50 per individual $5,500 $5,500 $12,000If age 50+ per individual $6,500 $6,500 $14,500

25% of earned compensation up to the maximum allowed Y Y20% of earned compensation up to the max if unincorporated Y Y

7- Rank the costliness of administering the plan, with 0 being the lowest cost 0 0 1 1 3

8- Is there an annual IRS/DOL filing requirement? N N N N Y

9- Are periodic updates required to be filed with the government? Y Y Y Y Y

PESAVENTO & PESAVENTO LTD RETIREMENT PLAN COMPARATIVE©

DEFINITIONS:EARNED COMPENSATION:

Traditional IRA

ROTH IRA

SEP (aka SEP-IRA)

SIMPLE (aka SIMPLE-IRA)

401(k) (aka Safe Harbor 401(k) or 401(k) Profit Sharing Plan)

Please note: all dollar values are for the 2013 calendar year. Please consult your tax advisor for future year updates

W\ADMIN\LIBRARY\DDS_CONSULTING\NEW DENTISTS\Entity Grid for New DDSs. Xls PH: (708) 447-8399 FX: (708) 447-7099 email: [email protected]

Savings Incentive Match Plan for Employees (SIMPLE) May ONLY be established by employers with 100 or fewer employees. Allows an employee to contribute a percentage of their compensation or a flat dollar amount from each paycheck and requires employers to make a dollar for dollar matching contribution up to 3% of the participating employee's compensation. Both the withheld funds and the employer contributed funds are deposited into the employee's account at the financial institution sponsoring the SIMPLE plan. Distributions from this plan are taxable to the participant when withdrawn and premature withdrawals are subject to penalties.

This is a profit sharing plan established by the employer that operates like a SIMPLE plan in that it allows the employee to contribute a percentage of their compensation or a flat dollar amount from each paycheck and requires employers to make a contribution for participants. The employer contribution formula can be quite complex and sometimes requires the use of an acturary to make the calculations. Generally the amount the employee has withheld from pay is tax deductible to the employee when contributed but taxed when distributed. However, some plans have the new ROTH feature, allowing employees to contribute to a ROTH 401k account, which is not deductible upon contribution, but not taxable upon distribution. The employer contribution is always deductible on the employer's tax return and always taxable to the employee upon distribution. Also the premature withdrawal rules apply to a 401k plan.

Generally this is the Net Income (Gross receipts less business expenses) of a sole proprietory or the W-2 income of an employee. Keep in mind that when the contribution is based on a percentage of earned compensation, the maximum allowed amount of compensation eligible for consideration is $250,000.

Contributions may be deductible or maybe not. This depends on your Adjusted Gross Income and if you are a participant in another qualified retirement plan. Accumulations in this account grow tax deferred, but upon withdrawal, some or all of the distribution may be taxable. If the contribution is not taken as a deduction on your current income tax return, the contribution forms "basis". Accumulated basis is reported on Form 8606 of your tax return and will reduce the taxation of future withdrawals.

Contributions are NOT deductible. Accumulations in this account grow tax FREE. There must be a 5 year wait, however, from the time of the first deposit until a withdrawal to avoid a pre-mature distribution penalty.

Simplified Employee Pensions (SEP) Allows an employer to contribute a uniform percentage of pay for each eligible employee. The employer deducts the contribution on the employer's tax return. The distributions are taxable to the participant when withdrawn. Premature withdrawal penalties will apply in certain cases if withdrawn before 59 1/2.

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THE CASE FOR STARTING EARLY

RETIREMENT RETURN RETIREMENT RETIREMENT RETURN RETIREMENT FUNDS ON FUNDS FUNDS ON FUNDS

BEGINNING ANNUAL INVESTMENT BEGINNING BEGINNING ANNUAL INVESTMENT BEGINNINGYEAR BALANCE CONTRIB .@ 7% BALANCE YEAR BALANCE CONTRIB .@ 7% BALANCE

1 0 12,000 840 12,840 1 0 0 0 02 12,840 12,000 1,739 26,579 2 0 0 0 03 26,579 12,000 2,701 41,280 3 0 0 0 04 41,280 12,000 3,730 57,010 4 0 0 0 05 57,010 12,000 4,831 73,841 5 0 0 0 06 73,841 12,000 6,009 91,850 6 0 0 0 07 91,850 12,000 7,270 111,120 7 0 0 0 08 111,120 12,000 8,618 131,738 8 0 0 0 09 131,738 12,000 10,062 153,800 9 0 0 0 0

10 153,800 12,000 11,606 177,406 10 0 0 0 011 177,406 12,000 13,258 202,664 11 0 27,650 1,936 29,58612 202,664 12,000 15,026 229,690 12 29,586 27,650 4,007 61,24313 229,690 12,000 16,918 258,608 13 61,243 27,650 6,223 95,11614 258,608 12,000 18,943 289,551 14 95,116 27,650 8,594 131,36015 289,551 12,000 21,109 322,660 15 131,360 27,650 11,131 170,14116 322,660 12,000 23,426 358,086 16 170,141 27,650 13,845 211,63617 358,086 12,000 25,906 395,992 17 211,636 27,650 16,750 256,03618 395,992 12,000 28,559 436,551 18 256,036 27,650 19,858 303,54419 436,551 12,000 31,399 479,950 19 303,544 27,650 23,184 354,37820 479,950 12,000 34,437 526,387 20 354,378 27,650 26,742 408,77021 526,387 12,000 37,687 576,074 21 408,770 27,650 30,549 466,96922 576,074 12,000 41,165 629,239 22 466,969 27,650 34,623 529,24223 629,239 12,000 44,887 686,126 23 529,242 27,650 38,982 595,87424 686,126 12,000 48,869 746,995 24 595,874 27,650 43,647 667,17125 746,995 12,000 53,130 812,125 25 667,171 27,650 48,637 743,45826 812,125 12,000 57,689 881,814 26 743,458 27,650 53,978 825,08627 881,814 12,000 62,567 956,381 27 825,086 27,650 59,692 912,42828 956,381 12,000 67,787 1,036,168 28 912,428 27,650 65,805 1,005,88329 1,036,168 12,000 73,372 1,121,540 29 1,005,883 27,650 72,347 1,105,88030 1,121,540 12,000 79,348 1,212,888 30 1,105,880 27,650 79,347 1,212,877

TOTAL 360,000 852,888 1,212,888 553,000 659,877 1,212,877

EARLY STARTER LATE STARTER

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20% DOWN

TOTAL MONTHLY OUTLAY LESS THAN 30% OF TOTAL INCOME

BUY vs RENT

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Don’t buy the $80,000 BMW!!

2010 750LiCost: $91,775$6,000 down$1,089/ month to lease for 36 months$52,312 buy out optionApr = 10.587%! Ouch!

2006 750 Li (27,548 miles)Cost: $39,998 $0 down 36 monthHEL @ 5%$1,199 per month$0 buy out…it’s yours!

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Useful Additional Reading• Hot (Broke) Messes, Nancy Trejos• The Wealthy Barber, David Chilton• The Richest Man in Babylon, George S. Clason• The Millionaire Next Door, Thomas J. Stanley, PHD &

William D. Danko, PHD• Good to Great, Jim Collins• 7 Habits of Highly Effective People, Stephen Covey• The Richest Man Who Ever Lived, Steven K Scott• The Starfish and the Spider, Ori Brafman and Rod

Beckstrom• McGill Advisory – Monthly Newsletter• Collier, Sarner & Associates – Bi-Monthly

Assumptions:$300,000 total student loan7% apr financing10 year term RETIREMENT RETURN RETIREMENT RETIREMENT RETURN RETIREMENT monthly payment = $3,463.73 FUNDS ON FUNDS FUNDS ON FUNDSno pre-payment penalty BEGINNING ANNUAL INVESTMENT ENDING BEGINNING ANNUAL INVESTMENT ENDING

YEAR BALANCE CONTRIB .@ 7% BALANCE YEAR BALANCE CONTRIB .@ 7% BALANCENormal Payment throughout the life of the student loan 1 0 0 0 0 1 0 5,000 350 5,350

2 0 0 0 0 2 5,350 5,000 725 11,075Interest Payment Balance 3 0 0 0 0 3 11,075 5,000 1,125 17,200

300,000 4 0 0 0 0 4 17,200 5,000 1,554 23,754Year 1 20,094 41,556 276,968 5 0 0 0 0 5 23,754 5,000 2,013 30,767Year 2 18,486 41,556 254,062 6 0 0 0 0 6 30,767 5,000 2,504 38,271Year 3 16,825 41,556 229,506 7 0 0 0 0 7 38,271 5,000 3,029 46,300Year 4 15,043 41,556 203,165 8 0 0 0 0 8 46,300 5,000 3,591 54,891Year 5 13,133 41,556 174,929 9 0 5,000 350 5,350 9 54,891 5,000 4,192 64,083Year 6 11,085 41,556 144,648 10 5,350 12,000 1,215 18,565 10 64,083 12,000 5,326 81,409Year 7 8,914 41,556 112,177 11 18,565 30,000 3,400 51,965 11 81,409 12,000 6,539 99,948Year 8 6,559 41,556 77,361 12 51,965 30,000 5,738 87,703 12 99,948 24,000 8,676 132,624Year 9 4,109 41,556 40,033 13 87,703 30,000 8,239 125,942 13 132,624 24,000 10,964 167,588Year 10 1,401 41,434 - 14 125,942 35,000 11,266 172,208 14 167,588 30,000 13,831 211,419

115,649 Total Interest Paid 15 172,208 49,000 15,485 236,693 15 211,419 49,000 18,229 278,648

16 236,693 49,000 19,999 305,692 16 278,648 49,000 22,935 350,58317 305,692 49,000 24,828 379,520 17 350,583 49,000 27,971 427,55418 379,520 49,000 29,996 458,516 18 427,554 49,000 33,359 509,91319 458,516 49,000 35,526 543,042 19 509,913 49,000 39,124 598,037

Additional $5,000 per year payment 20 543,042 49,000 41,443 633,485 20 598,037 49,000 45,293 692,330toward paydown of student loan 21 633,485 49,000 47,774 730,259 21 692,330 49,000 51,893 793,223

22 730,259 45,000 54,268 829,527 22 793,223 36,000 58,046 887,269Interest Payment Balance 23 829,527 45,000 61,217 935,744 23 887,269 30,000 64,209 981,478

300,000 24 935,744 45,000 68,652 1,049,396 24 981,478 30,000 70,803 1,082,281Year 1 19,939 46,556 273,400 25 1,049,396 44,000 76,538 1,169,934 25 1,082,281 30,000 77,860 1,190,141Year 2 18,009 46,556 244,850 26 1,169,934 40,000 84,695 1,294,629 26 1,190,141 30,000 85,410 1,305,551Year 3 15,938 46,556 214,230 27 1,294,629 36,000 93,144 1,423,773 27 1,305,551 30,000 93,489 1,429,040Year 4 13,717 46,556 181,390 28 1,423,773 35,000 102,114 1,560,887 28 1,429,040 30,000 102,133 1,561,173Year 5 11,334 46,556 146,160 29 1,560,887 48,000 112,622 1,721,509 29 1,561,173 48,000 112,642 1,721,815Year 6 8,779 46,556 108,380 30 1,721,509 49,000 123,936 1,894,445 30 1,721,815 49,000 123,957 1,894,772Year 7 6,038 46,556 67,860 31 1,894,445 49,000 136,041 2,079,486 31 1,894,772 49,000 136,064 2,079,836Year 8 3,099 46,556 24,400 32 2,079,486 49,000 148,994 2,277,480 32 2,079,836 49,000 149,019 2,277,855Year 9 734 25,134 - 33 2,277,480 49,000 162,854 2,489,334 33 2,277,855 49,000 162,880 2,489,735

97,587 Total Interest Paid 34 2,489,334 49,000 177,683 2,716,017 34 2,489,735 49,000 177,711 2,716,446

35 2,716,017 49,000 193,551 2,958,568 35 2,716,446 49,000 193,581 2,959,027

18,062$ Interest Saved 1,100,000 1,841,568 2,958,568 991,000 1,911,027 2,959,027

YOUR out of pocket YOUR out of pocketBut you must contribute from YOUR pocket an additional $109,000 to the Retirement Timeline

plan in order to save that $18,062 interestwhen applying those extra early dollars to pay Years 1 - 10: Years 11 - 14: Years 15 - 21: Years 22 - 28: Years 29 +down student debt instead of funding an IRA Associate to Perhaps paying Practice is maturing Kids begin college! Kids pretty

just owning a off the practice Marketing is working to fill Cash flow tightens much out of dental office; purchase the chairs; costs are controlled a bit; continue college & on still paying off loan & building staff is stabilized; a Qualified the qualified plan; their own; cashstudent loans the personal Retirement plan works well but reduce flow is really

emergency fund to maximize savings savings is needed good

~$458 / month ~$2,100 / mo ~$4,000 / mo ~$2,570 / mo ~ $4,000 / mo

LATE STARTER

SAVING STRATEGY FOR THE GRADUATING DENTIST WITH STUDENT DEBT

EARLY STARTER

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STUDENT STUDENT AUTO

CASH LOAN CASH Average LOAN LOAN

FLOW 7% RATE FLOW ROI 7% RATE 5% RATEFROM 10 YEAR FROM 7% 10 YEAR 3 YEAR

YEAR EARNINGS SAVINGS BALANCE YEAR EARNINGS SAVINGS BALANCE BALANCE

300,000 300,000

1/2 Income 40,000 1/2 Income 40,000

- Taxes (10,000) - Taxes (10,000)

Net to Live on 30,000 Net to Live on 30,000 -



3 Income 131,900 3 Income 131,900 39,998 - Taxes (32,975) - Taxes (32,975) - Student Debt (46,556) 214,230 - Student Debt (41,556) 229,506 - Savings: Em - Savings: Em (5,000) 5,000 - Auto Lease (19,068) - Auto Loan Pmt (14,388) 27,325

33,301 37,981 17,200 Had additional cash flow (4,700) 224,806

Net to Live on 33,301 Net to Live on 33,281

4 Income 143,100 4 Income 143,100 - Taxes (35,775) - Taxes (35,775) - Student Debt (46,556) 181,390 - Student Debt (41,556) 198,465 - Savings: Em - Savings: Em (5,000) 5,000 - Auto Lease (13,068) - Auto Loan Pmt (14,388) 14,003

47,701 46,381 Had additional cash flow (1,400) 179,990 Net to Live on 46,301 Net to Live on 46,381 23,754

DR LEO D VINCI DR DU N GOODPESAVENTO & PESAVENTO LTD CPAS ©

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STUDENT STUDENT AUTO

CASH LOAN CASH Average LOAN LOAN

FLOW 7% RATE FLOW ROI 7% RATE 5% RATEFROM 10 YEAR FROM 7% 10 YEAR 3 YEAR

YEAR EARNINGS SAVINGS BALANCE YEAR EARNINGS SAVINGS BALANCE BALANCE

5 Income 154,500 5 Income 154,500 - Taxes (38,625) - Taxes (38,625) - Student Debt (46,556) 144,760 - Student Debt (41,556) 170,229 - Savings: Em - Savings: IRA (5,000) 5,000 - Auto Lease (13,068) - Auto Loan Pmt (14,385) PAID OFF

56,251 54,934 Had additional cash flow (1,300) 143,460

Net to Live on 54,951 Net to Live on 54,934 30,767

Assets: 0 Assets: Car (FMV) 20,000 - Liabilities (143,460) Savings & IRA 30,767 50,767

- Liabilities (170,229) Net Worth (143,460) Net Worth (119,462)


Balance Sheet for Dr. Vinci Balance Sheet for Dr. Good

TOTAL ASSETS MINUS TOTAL LIABILITIES EQUALS NET WORTH

PESAVENTO & PESAVENTO LTD CPAS ©

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ASSUMPTIONS: 5.0% Mortgage Rate; ZERO points; 30 year fixed)

only enter amounts in the yellow boxes

GROSS INCOME 166,000

MOST AFFORDABLE 15% 24,900

YOU DECIDE 30,000 Annual Cash Outlay for P&I only

STRETCH AFFORDABLE 22% 36,520

MOST AFFORDABLE YOU DECIDE STRETCH AFFORDABLE

MORTGAGE LOAN TOTAL 386,531 465,700 566,912

PURCHASE PRICE IF:

10% DOWN PAYMENT 429,479 517,444 629,902

15% DOWN PAYMENT 454,742 547,882 666,955

20% DOWN PAYMENT 483,164 582,125 708,640

ACTUAL CASH OUTLAY % TO GROSS: PMI calculator:Annual $'s MOST STRETCH

Real Estate Taxes 10000 10,000 10000 10000 10% Down 1,000 3,000

Assessments - 0 0 15% Down 1,200 1,800

PMI, if any 2000 2900 20% Down 0 0 (enter in the yellow box based on the PMI calculator box)

Mortgage P&I Payment 24,900 30,000 36,520

TOTAL ANNUAL OUTLAY 34,900 42,000 49,420

ACTUAL % TO GROSS INCOME 21% 25% 30%

GOAL: To have the Actual % to Gross Income be what you can afford, which, according to CFP guidelines, should be not more than 30% of your Gross.

HOUSING AFFORDABILITY USING A 5.0% MORTGAGE RATEPESAVENTO & PESAVENTO LTD CPAS ©

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STUDENT HOUSE COST STUDENT AUTO HOUSE COST

CASH LOAN $629,900 CASH Average LOAN LOAN $517,400

FLOW 7% RATE MORTGAGE FLOW ROI 7% RATE 5% RATE MORTGAGE

FROM 10 YEAR $566,900 FROM 7% 10 YEAR 3 YEAR $465,700

YEAR EARNINGS SAVINGS BALANCE $49,000 YEAR EARNINGS SAVINGS BALANCE BALANCE $42,000

6 Income 166,100 6 Income 166,100 - Taxes (33,220) - Taxes (33,220) - Student Debt (46,556) 105,680 - Student Debt (41,556) 139,948 - Savings: Em - Savings: IRA (5,000) 5,000 - Auto Lease (6,534) - Auto Loan Pmt - - House Pmt (49,400) 557,544 - House Pmt (42,000) 458,004











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9 Income 200,000 9 Income 200,000 - Taxes (40,000) - Taxes (40,000) - Student Debt (23,220) PAID OFF - Student Debt (33,020) PAID OFF- Savings: Em (5,000) 5,000 - Savings: IRA (5,000) 5,000 - House Pmt (49,400) 529,800 - House Pmt (42,000) 435,251

82,380 79,980 Had additional cash flow (2,400) 527,400 Net to Live on 79,980 5,350 Net to Live on 79,980 64,083

Assets: House 629,900 Assets: House 517,400 Savings 5,350 635,250 Savings & IRA 64,083 581,483 - Liabilities: Mtg (527,400) - Liabilities: Mtg (435,251)

Net Worth 107,850 Net Worth 146,232

10 Income 212,000 10 Income 212,000 - Taxes (42,400) - Taxes (42,400) - Savings: Em (12,000) 12,000 - Savings: IRA (12,000) 12,000 - House Pmt (49,400) 517,252 - House Pmt (42,000) 426,878


Net to Live on 108,200 18,565 Net to Live on 108,200 81,409




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15 Income 280,000 15 Income 280,000 - Taxes (56,000) - Taxes (56,000) - Savings: IRA (49,000) 49,000 - Savings: IRA (49,000) 49,000 - House Pmt (49,400) 457,909 - House Pmt (42,000) 335,729


Net to Live on 125,600 236,693 Net to Live on 125,600 278,648

Assets: House 629,900 Assets: House 517,400 Savings & IRA 236,693 866,593 Savings & IRA 278,648 796,048 - Liabilities: Mtg (457,909) - Liabilities: Mtg (328,329)

Net Worth 408,684 Net Worth 467,719

25 Income 390,000 25 Income 390,000 - Taxes (78,000) - Taxes (78,000) - Savings: IRA (44,000) 44,000 - Savings: IRA (30,000) 30,000 - House Pmt (49,400) 284,013 - House Pmt (42,000) 87,279


Net to Live on 218,600 1,169,934 Net to Live on 218,600 1,190,141

Assets: House 629,900 Assets: House 517,400 Savings & IRA 1,169,934 1,799,834 Savings & IRA 1,190,141 1,707,541 - Liabilities: Mtg (284,013) - Liabilities: Mtg (65,879)

Net Worth 1,535,542 Net Worth 1,641,662





#ASDAnet @ASDAnet ACCOUNTING TAX & PERSONAL FINANCE MEGAN C HILLE, JD PESAVENTO & PESAVENTO LTD...

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