This document provides an executive summary and business plan for New Yorker Wealth Management (NYWM), a new small wealth management firm located in New Rochelle, NY. NYWM will provide portfolio management and financial planning services to high net worth individuals, families, and small businesses. The management team brings extensive experience from large financial institutions. NYWM will offer services including estate planning, retirement planning, education funding, risk management, and investment strategies. The target customer is high net worth individuals and business owners seeking personalized financial guidance.

1. Executive Summary
This business plan is for, New Yorker Wealth Management (NYWM), a new small-sized
limited liability company (LLC) located on 50 North Avenue in New Rochelle, NY. NYWM
takes an individual approach to fulfilling your financial needs. Financial advisors will
guide high net worth individuals, small business owners, and families towards their
financial goals.
Management
NYWM has brought together a levelheaded management team. Mark Mineo will be the
President who has extensive experience with UBS Wealth Management has given him
the proper knowledge and skills necessary in making NYWM a success. Mark Mineo
has his MBA and J.D. Mr. Mineo!s knowledge and experience with employment law and
will prove to be a great asset to the company. John Manning, CPA, will be in charge of
the accounting within the firm. Ashley Mola will be the Vice President of Portfolio
Management. Ashley has an MBA and will utilize her 15 years of experience with
working at Morgan Stanley to design and monitor client portfolios. Jacob Mineo has his
Masters of Information Systems and will serve as the Chief Technology Officer who has
excelled with innovating new computer programming since 1985 with IBM. The
Operations Manager, Brandon Grunstein, will be responsible for the firms compliance
requirements and maintain contact with our management system to ensure accuracy.
Services
NYWM provides portfolio solutions to clients while meeting their financial goals. Our
highly trained financial advisors will personally sit down with you and go over your
overall financial picture. After analyzing your financial picture the advisor will suggest
what investments would optimize your portfolio.
Your financial advisor will develop a unique portfolio that lays out necessary steps to
reach those future goals. Finally, we care about your concerns and will take the time to
make sure you are informed about the current state of the market and the types of
products and services to help safeguard your life earnings.
Our array of services include estate planning, analyze and evaluate the clients overall
financial picture; retirement planning, implement a retirement strategy that works toward
your expectations, education funding, determining ones options based on how many
years your child is from college; risk management, analyze your coverage needs and
close any gaps in coverage; and investment strategies, capital appreciation and mutual
fund management.
Customers
The target customer is a high net worth individual or business owner who is currently
looking to invest his or her assets with a firm who will dedicate all of its time and
resources to help make sure they are successful. Furthermore, depending on the client

2. the financial advisor here at NYWM will tailor an investment plan depending on if the
client wants to play the markets aggressively or cautiously.
Mission Statement
New Yorker Wealth Management (NYWM) is committed in providing the most innovative
solutions to clients who are seeking to accomplish long-term and short-term financial
goals. It is our primary goal to ensure that all our clients' financial goals stay in focus
and are acted upon. We firmly believe that success is realized through taking short-term
goals one after the other. Through the use of identifying your goals, developing a
realistic financial plan, and implementing and monitoring those goals our clients will
have a comprehensive plan that he or she can have confidence in.
Market Analysis Summary
New Yorker Wealth Management (NYWM), will be concentrating its time and energy
towards supplying high net worth individuals, small business owners, and families
professionalism and expertise in reaching financial success. Our financial advisors are
prepared to the client through these uncertain times. We believe that due to the volatility
in the economy, investors more than ever demand transparent and trustworthy financial
services.
Business and Industry Profile
Industry Analysis
In the past, world wealth has generally expanded close to the rate of GDP growth. The
amount of high net worth individuals whose net worth is $1 million or more has
increased from 1.5 to 3 times the rate of GDP growth. The financial market collapse of
2008 has hit high net worth individuals the hardest with astronomical devaluations in
almost all asset categories and different parts of the world.
Future Stages of Growth
Due to the financial turmoil during these few years and still a volatile market changes
how clients feel about their financial advisors they put so much trust in. In the future
investment banks and all other financial service firms will need to focus more on the
investor. Furthermore, there will a lot of regulation implemented into the industry in order
to prevent another global financial meltdown. Much will change in the investment
industry but we have planned and hopefully we will be able to adapt to the changes in
the financial environment.
Company Goals & Objectives
The Financial Advisors at NYWM will be growing in size. In order to maintain high
customer service we have decided that it would be best to delegate a group to work

3. solely with each segment of clients. When this is done the Financial Advisors will be
more able to assist his or her client!s requirements, emotional, and financial concerns.
Business Strategy
Image
NYWM is a financial services firm that has its hand on the pulse of main street. Our
interests are for people who have worked hard for their money. We believe that honesty
and financial expertise will prove to improve the lives of our clients.
SWOT Analysis
Our strengths are our ability to keep an open line of communication with our clients.
There is complete transparency in our business because we keep the client informed
quickly via email about changes that have occurred in his or her accounts. We properly
analyze the client's financial state and outlook and build a customized portfolio that
focuses on pursuing the client's needs and objectives. Our weakness is that we do not
supply all financial services that a client may need due to our small size. There are
great opportunities to grow in size and in clientele because many individuals are
withdrawing funds from large banks and placing those assets into the hands of smaller
wealth management firms, such as, NYWM. At the moment we are the threat to the
larger banks but in the future the tables may turn.
Competitive Strategy
As a small firm we want to make sure we maintain that same customer value for even
when our firm grows to median size. We make sure that our fees are not too high
because we want to make sure that our clients are retaining a large amount of their
profits. We believe that it starts first with the client.
Company Products and Services
Description
Estate Planning: offers the client the ability to transfer his or her wealth to loved ones.
Banking:
" Resource Management Account: It is a cash management account for individuals
" looking for an easy way to manage his or her daily banking activities and
" investments at one place.
" Custodial Account: This account is when an adult manages the assets in the
" account for a minor that is under the age of 21.
" Basic Account: simple checking or savings account.
IRA: This account allows the client to accumulate funds for retirement which is also tax-
deferrable.
College Fund Account: Created in order to help the client set aside money for children!s
future educational expenses.

4. Business Solutions: integrated cash management, investing and financing through one
business account here with NYWM. This allows the client to spend more time running
the business and less time managing cash.
Services Process Focused on the Client
Our clients will receive an introduction into what he or she needs, what the Financial
Advisor can offer, and continued recommendations. First, the Financial Advisor first
listens to the client and takes some time to begin to understand the client!s needs and
future goals. Second, the Financial Advisor offers investment and financing
opportunities that are designed to reach the client!s individual short-term and long-term
goals. Third, the Financial Advisor and client work together to select the best solution
and informs the client about the process of implementing the solution. Lastly, the
Financial Advisor keeps the client updated frequently about the investments.
Future Service Offerings
NYWM will be offering our clients new software where clients are able to access online.
This software will help the client further understand the overall functions and trends of
the financial market and how the changes will effect his or her investments. In addition,
the new software will provide the client with historical data and predictions made by our
specialists for the near future.
Marketing Strategy
Target Market
NYWM will provide these advanced financial service to clients in the northeastern
geographic area of the United States. We strongly believe that with our location we will
become a recognized name and a profitable firm. We have chose to locate our office in
the suburbs of Westchester, because it is close to main street but still close enough to
Wall street so that we are able to collaborate with other firms on Wall street. This will
ultimately benefit the consumer of our services because we will be providing them with
the latest and most proven financial strategies.
Our potential clients expected to utilize our financial services are individuals who have
high incomes, advanced degrees and are in need of asset management. Our clientele is
wealthy, highly educated, with or without children, and earn over $100,000.
Customers! Motivation to Buy
The affluent client is in need of our financial service, because they are often too busy or
do not have the proper know-how about investing. For instance, a wealthy individual
may have a lot of disposable income and hence needs to utilize that money by accruing
high interest. By doing this our client will be able to retire earlier than if he or she had
spent that disposable income on frivolous items or had simply left it in a commercial
bank CD account.

5. Market Analysis
30%
60%
10%
Small Business Owners
High Net Worth Families
High Net Worth Individuals
Market Size & Trend
The market for wealth management is very large because almost anyone who is
working needs financial guidance in order to help them prepare for either retirement or
another goal they may have. Now more than ever people are counting on us to make
sound and careful decisions when handing their assets.
NYWM's financial services will be in demand throughout the year. We manage almost
every aspect of a clients financial portfolio. Whether it is saving towards retirement with
our IRA accounts or saving towards making sure ones children are look after or save for
college in the 529 college savings plans. When our clients make money, we make
money. However, our number one priority is to make sure the clients needs are not only
met but go above and beyond their expectations.
Now more than ever NYWM has the opportunity to attain new clients. This is true
because many clients have taken their assets out of the large investment banks and are
moving those funds into smaller wealth management firms. Presently the public has a
poor perception of too-big-to-fail investment companies and do not trust them. This
gives NYWM a chance to grow our clientele with clients who are looking for straight
forward and trustworthy financial advice.

6. Industry Average Market Share Forecast
NYWM
100
75
50
25
2010
2011 0
2012
2013
Advertising and Promotion
Our primary advertising is marketing through word-of-mouth. In addition, NYWM pays
for radio and internet advertisement which cost the firm an estimated $ per year.
Pricing
The annual fee for NYWM services depends on how much service the client needs. The
client will pay an annual 0.3% percent of the amount of assets held in the resource
management account where the client will be able to efficiently manage his or her day
to day finances along with your long-term investments. Pay a flat annual fee of $75 for a
basic account which allows the client to manage his or her assets with the help of a
financial advisor. Lastly, the client may have to pay a combination of asset based fees
and stock market trading commissions.
The firm's prices are highly competitive with that of other firms. Some of the larger firms
are charging upwards of 0.6% of a client's assets per year. In addition, we offer free
transfer and withdrawal and we offer financial advice to those clients who only have a
basic account.
Sales Techniques
We have been increasing our clientele due to the economic volatility of the market. Our
clients who are currently with us are very impressed with how attentive we are to their
every concern, they tell their friends and family about us. We not only rely on marketing
through word of mouth but we have been sending preferred client letters out to all our
clients. These letters show them that they are important and that we are thinking of new
and creative ways to help grow their wealth safely and reliably.

7. Competitor Analysis
Existing competitors
UBS is one of the world!s leading financial firms. Offers services to individual clients,
corporate, and institutional clients. It is one of the largest banks in the world and it offers
businesses with equity compensations plans, employee retirement plans, specialized
executive needs. Furthermore, investing, financing, and banking.
Merrill Lynch is also one of the worlds leading financial management and advisory
companies; providing financial advice and investment banking services. It is a large
firm. It offers a wide variety of financial solutions, such as; retirement, investing,
banking, credit & lending, estate planning, and business solutions. Merrill Lynch has an
advantage over our company because it has the ability to offer clients personal and
business loans. Furthermore, it is a larger firm so they do have more resources at their
fingertips. However, being a large firm presently may not be working in their advantage
because of all the distrust from main street to wall street.
These firms are our largest competitors and they are the ones we aspire to be.
However, our clients enjoy working with us because we are less intimidating and we will
always give them straight forward and honest answers to all of their questions and
concerns. Often times the individual investor gets over looked when working with a
large investment bank such as UBS or Merrill Lynch. These firms are not truly looking
out for the small investors but are instead looking to make large profits on corporate
deals. We service to your everyday investor who is looking for honesty and high returns
on their assets.
"
Potential competitors
There are now many competitors who are our size. They are all rising to the challenge
in offering the best advice and solutions to many people in need of financial guidance.
These small wealth management firms are competitors but we are mostly all in
competition with the larger banks. This is true because the larger firms have so much
more power and they move much larger amounts of money.
Financial Analysis
Start-up Summary
NYWM!s start-up costs are outlined in the table below. Start-up expenses are derived
from land, office building, furniture, computers, Xerox and other devices, advertising,
and other expenses incurred with opening the company!s first office. The start-up
expenses will be financed by direct owner investment and outside loans.

8. Start-up
Expenses
Assets
Investment
Loans
$0 $300,000 $600,000 $900,000 $1,200,000
New York Wealth Management
Required Start-Up Funds Amount Totals Dep. Notes
Fixed Assets
Real Estate-Land $ 250,000
Buildings 250,000 20.00 years
Equipment 50,000 7.00 years Xerox, printer, com.
Furniture and Fixtures 20,000 5.00 years Desks, chairs etc.
Other Fixed Assets 0 5.00 years
Total Fixed Assets 570,000
Operating Capital
Pre-Opening Salaries and Wages 50,000
Prepaid Insurance Premiums 6,000
Legal and Accounting Fees 499 Manning CPA & Mineo JD
Utility Deposits 2,500
Supplies 8,000
Advertising and Promotions 3,000
Licenses 1,500
Other Initial Start-Up Costs 2,000
Working Capital (Cash On Hand) 20,000
Total Operating Capital 93,499
Total Required Funds $ 663,499
Sources of Funding Amount Totals Loan Rate Term in Months Monthly Payments

9. Owner's Equity 29.69% 197,000
Outside Investors 5.00% 1,000,000
Additional Loans or Debt
Commercial Loan -140.69% (933,501) 7.00% 84.00 $14,089.03
Commercial Mortgage 60.29% 400,000 8.00% 240.00 $3,345.76
Credit Card Debt 0.00% 0 7.00% 60.00 $0.00
Vehicle Loans 0.00% 0 6.00% 48.00 $0.00
Other Bank Debt 0.00% 0 5.00% 36.00 $0.00
Total Sources of Funding -45.72% $ 663,499 $17,434.79
New York Wealth Management
Salaries and Wages
Salaries & Related Expenses # Assumptions Wage Base Monthly Year One Year Two Year Three
Percent Change 3.00% 3.00%
Salaries and Wages
Wages
Full-Time Employees 5 26,000 312,000 321,360 331,001
Hrs Per Week 60.00
Rate Per Hour $ 20.00
Total Salaries and Wages 5 26,000 312,000 321,360 331,001
Payroll Taxes and Benefits
Social Security 6.20% $ 102,000 1,612 19,344 19,924 20,522
Medicare 1.45% 377 4,524 4,660 4,800
(Federal Unemployment Tax) 0.80% $ 7,000 23 280 280 280
(State Unemployment Tax) 2.70% $ 7,000 79 945 945 945
Employee Pension 5.00% 1,300 15,600 15,600 15,600
Employee Health Ins. 0.00% 4,000 48,000 49,440 50,923
Other Employee Benefit 4.00% 1,040 12,480 12,854 13,240
Total Payroll Taxes & Benefits 8,431 101,173 103,703 106,310
Total Salaries & Expenses 34,431 413,173 425,063 437,311

10. New York Wealth Management
Projected Income Statement - Year One
Jan Feb Mar Apr May
Income
Estate Planning 12000 15000 15000 22000 70000
Banking 20000 10000 40000 20000 100000
Business Solutions 100000 100000 100000 72000 65000
Total Income 132000 125000 155000 114000 235000
Cost of Sales
Estate Planning 10000 10000 10000 10000 10000
Banking 10000 10000 10000 10000 10000
Business Solutions 10000 10000 10000 10000 10000
Total Cost of Sales 30000 30000 30000 30000 30000
Gross Margin 102000 95000 125000 84000 205000
Fixed Business Expenses
Advertising 5000 5000 5000 5000 5000
Conferences & Seminars 1000 1000 1000 1000 1000
Miscellaneous 300 300 300 300 300
Insurance (Liability and Property) 4000 4000 4000 4000 4000
Licenses/Fees/Permits 2000 2000 2000 2000 2000
Legal and Professional Fees 200 200 200 200 200
Office Expenses & Supplies 8000 8000 8000 8000 8000
Postage and Delivery 500 500 500 500 500
Rent (on business property) 6692 6692 6692 6692 6692
Sales & Marketing 2000 2000 2000 2000 2000
Taxes-Other 5000 5000 5000 5000 5000
Telephone and Communications 1300 1300 1300 1300 1300
Travel 2500 2500 2500 2500 2500
Utilities 1000 1000 1000 1000 1000
Total Fixed Business Expenses 39492 39492 39492 39492 39492
Other Expenses
Interest
Commercial Loan 315 312 309 306 303
Commercial Mortgage 5333 5324 5315 5306 5297
Credit Card Debt 750 750 750 750 750
Taxes 1000 1000 1000 1000 1000
Total Other Expenses 7398 7386 7374 7362 7350
Net Income 55110 48122 78134 37146 158158

11. Continued...
Jun Jul Aug Sep Oct Nov Dec Totals
15000 40000 32000 35000 65000 30000 20000 371000
20000 10000 15000 25000 20000 10000 20000 310000
100000 63000 76000 100000 100000 200000 1000000 2076000
135000 113000 123000 160000 185000 240000 1040000 2757000
10000 10000 10000 10000 10000 10000 10000 120000
10000 10000 10000 10000 10000 10000 10000 120000
10000 10000 10000 10000 10000 10000 10000 120000
30000 30000 30000 30000 30000 30000 30000 360000
105000 83000 93000 130000 155000 210000 1010000 2397000
5000 5000 5000 5000 5000 5000 5000 60000
1000 1000 1000 1000 1000 1000 1000 12000
300 300 300 300 300 300 300 3600
4000 4000 4000 4000 4000 4000 4000 48000
2000 2000 2000 2000 2000 2000 2000 24000
200 200 200 200 200 200 200 2400
8000 8000 8000 8000 8000 8000 8000 96000
500 500 500 500 500 500 500 6000
6692 6692 6692 6692 6692 6692 6692 80298
2000 2000 2000 2000 2000 2000 2000 24000
5000 5000 5000 5000 5000 5000 5000 60000
1300 1300 1300 1300 1300 1300 1300 15600
2500 2500 2500 2500 2500 2500 2500 30000
1000 1000 1000 1000 1000 1000 1000 12000
39492 39492 39492 39492 39492 39492 39492 473898
300 297 294 291 288 285 282 3584
5287 5278 5269 5259 5250 5240 5230 63389
750 750 750 750 750 750 750 9000
1000 1000 1000 1000 1000 1000 1000 12000
7338 7325 7313 7300 7288 7275 7262 87973

12. 58171 36183 46196 83208 108221 163233 963246 1835129
New York Wealth Management
Balance Sheet - Year One
Base Period End of Year One
Assets
Current Assets
Cash 50,000 1,620,440
Accounts Receivable 0 0
Prepaid Expenses 6,000 0
Other Current 2,000 1,333
Total Current Assets 58,000 1,621,773
Fixed Assets
Real Estate-Land 500,000 500,000
Buildings 500,000 500,000
Equipment 50,000 50,000
Furniture and Fixtures 20,000 20,000
Total Fixed Assets 1,070,000 1,070,000
Less: Accumulated Depreciation 0 10,000
Total Assets 1,128,000 2,681,773
Liabilities and Owner's Equity
Liabilities
Accounts Payable 35,000 35,000
Loan Payable (54,000) (60,196)
Mortgage Payable 800,000 783,091
Credit Card Debt (750) (9,000)
Total Liabilities 780,250 748,894
Owner's Equity
Common Stock 347,750 347,750
Retained Earnings 0 1,835,129
Dividends Dispersed 0 250,000
Total Owner's Equity 347,750 1,932,879
Total Liabilities and Owner's Equity 1,128,000 2,681,773

13. New York Wealth Management
Breakeven Analysis
Breakeven Analysis Dollars Percent
Annual Sales Revenue $ 2,757,000 100.00%
Cost of Sales 360,000 13.06%
Gross Margin 2,397,000 86.94%
Salaries and Wages 413,293
Fixed Operating Expenses 473,898
Total Fixed Business Expenses 887,191
Breakeven Sales Calculation 887,191
86.94%
Breakeven Sales in Dollars $ 1,020,436
New York Wealth Management
Projected Cash Flow Statement - Year One
Jan Feb Mar Apr May Jun
Beginning Cash Balance 50,000 79,002 101,004 150,006 161,008 293,010
Cash Inflows
Income from Sales 132,000 125,000 155,000 114,000 235,000 135,000
Accounts Receivable 0 0 0 0 0 0
Total Cash Inflows 132,000 125,000 155,000 114,000 235,000 135,000
Cash Outflows
Investing Activities
New Fixed Assets Purchases 0 0 0 0 0 0
Inventory Addition to Bal.Sheet 0 0 0 0 0 0
Cost of Sales 30,000 30,000 30,000 30,000 30,000 30,000
Operating Activities
Salaries and Wages 26,000 26,000 26,000 26,000 26,000 26,000
Fixed Business Expenses 39,492 39,492 39,492 39,492 39,492 39,492
Taxes 0 0 3,000 0 0 3,000
Financing Activities
Loan Payments 7,507 7,507 7,507 7,507 7,507 7,507
Line of Credit Interest 0 0 0 0 0 0
Line of Credit Repayments 0 0 0 0 0 0

14. Dividends Paid 0 0 0 0 0 0
Total Cash Outflows 102,998 102,998 105,998 102,998 102,998 105,998
Cash Flow 29,002 22,002 49,002 11,002 132,002 29,002
Operating Cash Balance 79,002 101,004 150,006 161,008 293,010 322,012
Line of Credit Drawdowns 0 0 0 0 0 0
Ending Cash Balance 79,002 101,004 150,006 161,008 293,010 322,012
Line of Credit Balance 0 0 0 0 0 0
Projected Cash Flow Statement continued...
Jul Aug Sep Oct Nov Dec Totals
322,012 332,014 352,016 406,018 488,019 625,021
113,000 123,000 160,000 185,000 240,000 1,040,000 2,757,000
0 0 0 0 0 0 0
113,000 123,000 160,000 185,000 240,000 1,040,000 2,757,000
0 0 0 0 0 0 0
0 0 0 0 0 0 0
30,000 30,000 30,000 30,000 30,000 30,000 360,000
26,000 26,000 26,000 26,000 26,000 26,000 312,000
39,492 39,492 39,492 39,492 39,492 39,492 473,898
0 0 3,000 0 0 3,000 12,000
0
7,507 7,507 7,507 7,507 7,507 7,507 90,078
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
102,999 102,999 105,999 102,999 102,999 105,999 1,247,976
10,001 20,001 54,001 82,001 137,001 934,001 1,509,024
332,013 352,015 406,017 488,019 625,021 1,559,022
0 0 0 0 0 0 0

15. 332,013 352,015 406,017 488,019 625,021 1,559,022
0 0 0 0 0 0
Strategic Action Plan
Mission Statement
New Yorker Wealth Management (NYWM) is to provide the most innovative
personalized financial services to high net worth business owners, families, and
individuals. We truly care about our clients! financial stability and goals. We firmly
believe that success is realized through taking short-term goals one after another. We
will identify what appropriate steps need to be taken in order to accomplish the client!s
goals.
Performance Goals & Objectives
NYWM!s goals are to attain a larger portion of the industry. We look to capture the
market where clients have left the larger wealth management firms and are now looking
for a smaller firm that will have the time and expertise to provide the best financial
advice.
NYWM is differentiating itself from the rest of wealth management firms in that its
primary goal is to keep the main focus on the client. It is all about first class customer
service here at NYWM. The client will be provided with all of the supplies needed to
keep his or her personal finances organized. With a personalized portfolio planning
short-term and long-term goals and monthly client statement updates through email. In
addition, our clients will receive weekly E-newsletters which will enlighten the client
about how to manage day-to-day finances. The E-newsletter will also take current
issues in politics, economics, and developing market updates translated into simple
language that all of our clients can understand and in a fraction of the time.
The company looks to maintain and office of at least 5 wealth advisors, but will be
looking to hire new advisors in the coming months as we retain more clients. We look to
see a positive return within the first year of operation.
Restatement of Marketing Strategies
NYWM will focus its time on targeting clients who are not satisfied with their current
“large-firm” financial advisors. The marketing will focus on making the client and advisor
relationship closer. We want to assure our clients and future clients that we are focused
on providing them with the best financial solutions.
While building the client!s portfolio we will always keep in mind of keeping their assets
safe. Our firm look to build the client!s wealth without putting their assets under

16. unnecessary risk. Clients want to see real progress without the fear of losing everything
and that is what we deliver. Giving the client peace of mind is what we are marketing.
Loan Proposal
Loan Purpose
In order to start our business we need capital to purchase an office for which we can
hold client meeting and carry out day to day business management. NYWM will be
financing the business personally and mostly through private investors.
Amount Requested
NYWM will need a $150,000 loan in order to help finance the purchase of the real
estate.
NYWM will need private investors to invest $1,000,000. The ending balance of needed
funds will be personally provided by the owner.
Repayment Schedule
NYWM is projected to retain $1,835,129 of its annual earnings. The firm will repay
investors over a three year period at a 15% interest rate. Which totals the amount owed
to investors at $1,150,000.
Year One
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
$32k $32k $32k $32k $32k $32k $32k $32k $32k $32k $32k $32k
Year Two
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
$32k $32k $32k $32k $32k $32k $32k $32k $32k $32k $32k $32k
Year Three
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
$32k $32k $32k $32k $32k $32k $32k $32k $32k $32k $32k $32k