Sample MAPS Updated(Allstate)

The Sis
SOOFI's INSURANCE SERVICES
Business Plan &Marketing Strategy
Page 1 of 22
MARKETING ADVENCED PLAN & STRATEGY
The information in this document is confidential and is to be only read by authorized parties. Please refer to the
confidentiality agreement for further details. This business plan is not an offering of securities.
Confidentiality Agreement
The undersigned reader acknowledges that the information provided in this business plan is confidential;
therefore, the reader agrees not to disclose it without the express written permission of SOOFI’s INSURANCE
SERVICES.
It is acknowledged by the reader that information furnished in this business plan is in all respects confidential in
nature, other than information which is in the public domain through other means and that any disclosure or use
of same by reader, and may cause serious harm or damage to aforementioned parties.
This business plan is not to be copied or reproduced by any means without the sole written consent of an
authorized agent of the Sis.
Upon request, this document is to be immediately returned.
___________________________ _____________________
Signature Date
___________________________
Named: (typed or printed)

The Sis
Page 2 of 22
Table of contents
Executive Summary 4
The Financing 4
2.1 Funds Required 6
2.2 Investor Equity 6
2.3 Management Equity 6
2.4 Board of Directors 6
2.5 Exit Strategy 7
Insurance Services 7
3.1 Insurance Products 7
3.2 Financial Products 7
Overview of the Organization 8
4.1 Registered Name 8
4.2 Commencement of Operations 8
4.3 History 8
4.4 Mission Statement 8
4.5 Vision Statement 8
4.6 Organizational Objectives 8
4.7 Organizational Values 8
4.8 Founder and Management Team 8
Strategic and Market Analysis 9
5.1 External Environment Analysis 8
5.2 Industry Analysis 9
5.3 Customer Profile and Market Analysis 9
5.4 Competition 10
Marketing Plan 10
6.1 Marketing Objectives 10
6.2 Sales Forecasts 10
6.3 Sales Assumptions 12
6.4 Marketing Strategies 13
6.5 Product Marketing 13
6.5.1 Price 13
6.5.2 Distribution 13
6.5.3 Promotion 13
7.2 Organizational Overview 14
7.2 Personnel Budget 44
8.1 Underlying Assumptions 14
8.2 Financial Highlights 15

The Sis
Page 3 of 22
8.3 Sensitivity Analysis 15
8.4 Source of Funds 15
Eexpanded Profit and Loss Statement (Monthly 1st year) 17
Eexpanded Profit and Loss Statement (Quarter 2nd year) 18
Eexpanded Profit and Loss Statement (Quarter 4rd year) 19
Eexpanded Profit and Loss Statement (Quarter 4th year) 20
Eexpanded Profit and Loss Statement (Quarter 5th year) 21
Note 22

The Sis
Page 4 of 22
Executive Summary
The purpose of this business plan is to plan a business operations of The Sis (Soofi’s Insurance Services) owned
and operated by Mr. SAHAM SOOFI SIAVASH. The Insurance Agency or (“the Company”) is a business
devoted to promoting and selling the financial products and insurance policies offered by AllState Insurance.
This business plan will also examine the allocation of $75,000 as a conventional business loan for the
development of this insurance agency. Mr. SAHAM SOOFI SIAVASH will contribute $25,000 towards the
development of the business.
The Owner – SAHAM SOOFI SIAVASH
The Management of the Company is a qualified and licensed professional that is seeking to build a financial and
insurance business that offers a wide variety of products at the great State of California.
Mr. Soofi is a highly educated and talented entrepreneur hat is seeking to develop an expansive financial and
insurance services firm for the business and general public within Golden State metropolitan area.
The Products
The Sis (Soofi’s Insurance Services) will offer a wide variety of insurance and financial products offered by the
AllState Insurance. These services include:
Insurance Policies:
• Automotive Insurance
• Life & Health Insurance
• Home Insurance (Owners, Renters, and Condominiums)
• Accident Insurance
Financial Products
• Mutual Funds
• Stock Brokerage
• Financial Planning
• Mortgage and Lending Products
The Sis (Soofi’s Insurance Services) will be able to manage many aspects of our client’s financial lives through
the sale of many financial and insurance services. The products and services offered by the AllState Insurance
will be further discussed in the next section of the business plan.
Financing

The Sis
Page 5 of 22
Management anticipates that it will need $100,000 to launch the initial operations of the business. This money
will be used for the general build-out of the agency’s office and cash for initial starting expenses. Mr.
SIAVASH will contribute $25,000 towards the development of The Insurance Agency. This business plan
assumes that The Sis (Soofi’s Insurance Services) will receive a 10 year business loan with a (assume7% )
interest rate due on the outstanding principal balance.
Sales Forecasts and Lending Ratios
The Agency anticipates an exceptional rate of growth upon the commencement of operations. Below is a chart
that exemplifies Management’s vision for growth during the first five years of operations.
Performa Profit and Loss Yearly:
Based 2500000 &10% commission
$amount:
Year 1 2 3 4 5
Sales 250000 280000 305200 329616 352689
Growth 0 12% 9% 8% 7%
Cost of Goods Sold 10825 12124 13215 14272 15271
Operating Income 239175 267876 291985 315344 337418
Total Operating Cost 109640 111706 115109 124567 128361
EBITDA 129535 156170 176876 190777 209057
Federal Income Tax 41900 50754 57657 62318 68431
State Income Tax 6349 7690 8736 9442 10368
Interest Expenses 2566 2370 2160 1934 1692
Depreciation Expenses 1250 1250 1250 1250 1250
Net Profit 77470 94106 107073 115833 127316
per/mo 20834 23334 25434 27469 29292
N0. sales 21 23.5 25.6 27.7 29.6
Based on 4st
. 2nd
3rd
4th
5th

The Sis
Page 6 of 22
Performa’ Profit and Loss (Yearly) matching investment $25000 total $&75000 interest (7% -
conventional loan basis)
EBITDA 129535 156170 176876 190777 209057
Principle
Repaid 5370 5370 5370 5370 5370
Interest
Expenses 5080 4692 4276 3829 3350
Total Debt
Service 5278 5082 4871 4646 4494
EBITDA- Debt
Sercice Ratio 24.54 30.73 36.31 41.06 47.47
year 1ST 2ND 3RD 4TH 5TH
The Financing
2.1 Funds Required
Below is an overview of how the $75000 of debt financing will be used in conjunction with the development of
The Insurance Services:
Projected Startup Cost 112250
Marketing Budget 3750
Website Development 6250
Professional Fees 5000
Initial Payroll 5000
Working Capital 25000
Vehicle Deposits 5000
Location Development 8750
Misc. Development Costs 5000
Total Startup Costs 75000
2.2 Investor Equity
At this time, Mr. Soofi is not seeking an outside equity investor. However he is willing to seek an insider equity
investor.
2.3 Management Equity
Mr. Soofi will retain a 100% equity interest in The Sis (Soofi’s Insurance Services)
2.4 Board of Directors

The Sis
Page 7 of 22
Mr. Soofi will serve as the sole director of this business.
2.5 Exit Strategy
In the event that Mr. Soofi wishes to sell The Sis (Soofi Insurance Services) to a third party then he
will contract a business broker to assist with the transaction. Based on historical sales information regarding
insurance agencies, the business could receive a price to earnings multiple of up to six times earnings based on
the recurring streams of revenue generated by the business from insurance sales and financial planning services.
Insurance Services
The Sis (Soofi’s Insurance Services) will offer a number of financial and insurance products from its retail
location. Below is a description of the product lines that the location will offer as an agent of The Sis (Soofi ‘s
Insurance Services).
3.1 Insurance Products
The Sis (Soofi’s Insurance Services) will offer a number of insurance lines from AllState insurance including:
 Home Insurance
 Automotive Insurance
 Homeowners, Renters, and Condominium Insurance
AllState’ Insurance will also offer a wide of variable and fixed annuities that will provide our clients will
qualified methods of saving for retirement and creating a sizable nest net worth. From these insurance policy
and annuity sales The Sis (Soofi’s Insurance Services) will generate both commissions based on the number of
insurance line sales, and a recurring stream of revenue from ongoing payments made by consumers to AllState’
Insurance (the parent company).
3.2 Financial Products
Additionally, The Sis (Soofi Insurance Services) will offer a wide variety of financial products that will help our
clients plan for their future retirement, college savings, and other financial needs. The Sis (Soofi’s Insurance
Services) will offer to its clients:
 Mortgage products
 529 College Savings Plans
 Retirement Plans
 General Financial Planning
 Annuities and Mutual Funds
 Traditional and Roth IRA Accounts
The sales of these products will, like the insurance business, offer significantly streams of commission based
and recurring income. Each year, the business will receive fees of approximately 1% of the dollar amount of
assets under management. These fees will comprise of approximately half of the revenue generated by the
agency.

The Sis
Page 8 of 22
Overview of the Organization
4.1 Registered Name
The Sis (Soofi,s Insurance Services) . The Sis will be registered as a regular company in the State of California
4.2 Commencement of Operations
The Company intends to commence full business operations in late 2015.
4.3 History
The Sis was founded by Saham Soofi Siavash with the goal of building a profitable insurance business that
caters to the needs of State of California region.
4.4 Mission Statement
It is the goal of The Sis to provide our clients with the highest quality financial and insurance products at the
best coverage’s possible with the reasonable prices. For financial products, we seek to provide clients with
knowledgeable advice that makes fiscal sense for each of our clients and satisfy their needs.
4.5 Vision Statement
It is the goal of Mr. Saham S Siavash to build professional insurance services that offers outstanding
insurance and financial products in one location. Management hopes to achieve after tax profits of over
$127000 by the fifth year of operations.
4.6 Organizational Objectives
 Continue to successfully manage and grow our book of insurance business.
 Continually improve the quality of service through quality assurance audits.
4.7 Organizational Values: integrity, commitment and accountability
 Complete disclosure and transparency regarding all financial transactions with both The Sis and our
clients.
 To maintain a committed program for developing new strategies and techniques that will allow The Sis
to expand both organically and through acquisition.
4.8 Founder and Management Team
Mr. Soofi has experience with Leadership and Management business operations, and he now wishes to build a
business that will provide commission based and recurring income streams to the business. Mr. Soofi has a
focus on building the business to its fullest potential by expanding The Sis’s visibility in the State of California
region.

The Sis
Page 9 of 22
Strategic and Market Analysis
5.1 External Environment Analysis
The Management feels that as more baby boomers are reaching their retirement, The Sis is in a position to
capture a position in this market. In California there are over 11,000 insurance agencies and financial product
firms that operate statewide. The growth rate for the statewide financial services industry has exploded over the
last seven years after the internet era. Now, consumers are demanding more services within one location rather
than having a number of financial service providers. The industry has doubled in size over this time period.
5.2 Industry Analysis
The financial services sector has become one of the fastest growing business segments in California economy.
Computerized technologies allow financial and insurance firms to operate advisory and brokerage services
anywhere in the country. In previous decades, most financial firms needed to be within a close proximity to
Wall Street in order to provide their clients the highest level of service. This is no longer the case as a firm can
access almost every facet of the financial markets through internet connections and specialized trading and
investment management software. With these advances, several new firms have been created to address the
needs of people in rural and suburban areas. The industry has doubled in size over this time period.
5.3 Customer Profile and Market Analysis
There are over 51.4 million people living in the State of California statewide. Among these people, total
housing units 12,214,549,100.0 unit structure, 1-unit, detached 6,883,493,46.4, 1unit,attached, 931,873.7.6and
2 units 327,024.2.7.
Population by race:
R:aces white
Hispanic
or Some Asian African Two or American Native
Three
or Native Alaska Total
Or Other American More Indian Hawaiian More Hawaiian Native Population
Latino Race Race Pacific races Tribes
Islander
Population 21,453,934 14,013,719 6,317,372 4,861,007 2,299,072 1,815,384 362,801 144,386 141,883 21,423 2,329 51,433,310
% of Total 57 37 16 13 6 4 >1 >1 >1 >1 100
Gender Male Female Total
Total Population 25,677,885 25,755,425 51,433,310
white 10,705,607 10,748,327 21,453,934
Hispanic or Latino 7,080,128 6,933,591 14,013,719
Some other Race 3,220,187 3,097,185 6,317,372

The Sis
Page 10 of 22
Asian 2,300,369 2,560,638 4,861,007
African American 1,136,385 1,162,687 2,299,072
Two or more Race 900,142 915,242 1,815,384
American Indian 183,399 179,402 362,801
Native Hawaiian Pacific Island 71,741 72,645 144,386
Tree or more Race 67,848 74,035 141,883
Native Hawaiian 10,914 10,509 21,423
Alaska Native Tribe 1,165 1,164 2,329
The Sis (we) will provide insurance policies for any person that is seeking an automotive, life, health accident,
or home insurance policy. Management has determined that its demographic market for financial products will
middle and high net worth individuals that earn a salary of $65,000 a year or more.
5.4 Competition
In the State of California region there are several insurance agencies that offer products that are identical or
substantially similar to that of the Company. These competitors include:
 Gico
 Farmers
 State Farm
 21st
Century
 AAA
 Other ; (Progressive) , (Liberty Mutual Insurance)
Marketing Plan
6.1 Marketing Objectives
 Establish a strong presence in targeted county and cities market.
 Build a large referral network through local accountants and attorneys.
 Establish connections with automotive distributors for insurance referrals.
6.2 Sales Forecasts
Yearly Sales
Year 1 2 3 4 5
Growth% 0% 12% 9% 8% 7%
Insurance Commissions 202500 226800 247212 266989 285678
Financial Planning Revenues 47500 53200 57988 62627 67011
Total Commissions & Revenues 250000 280000 305200 329616 352689

The Sis
Page 11 of 22
Cost of Sales
Forecasts
Year 1 2 3 4 5
Insurance Commissions 6075 6804 7416 8010 8570
Financial Panning Revenues 4750 5320 5790 6262 6701
Total Cost: 10825 12124 13206 14272 15271
Gross Profit
Year 1 2 3 4 5
Total 239175 267876 291994 315344 337418

The Sis
Page 12 of 22
6.3 Sales Assumptions
Year 1
The Sis expects to attain $250,000, $280,000, $305,200, $329,616 and $352,689 of sales in its first five year
Management anticipates a gross margin of $239,175 in the first twelve months of operation.
Year 2
 Management’s aggressive marketing strategies should increase sales by about 12%.
 Gross yearly sales (operating income) will reach $280,000.
Years 3-5
 The Sis intends to grow its sales operations increases, by 9% at the third year ($305,200, by 8% at forth
year ($329,616) and by 7% at the fifth year ($352,689).
Year of operation
 The Sis during this time may seek to develop additional offices that will greatly expand the insurance
sales and financial planning capabilities of the business.

The Sis
Page 13 of 22
6.4 Marketing Strategies
The Sis intends to create a referral network from local accountants, attorneys, and regional automotive
dealerships. Additionally, Management expects that local word-of mouth referrals will also be an immense asset
to the business.
The Sis will also advertise via the internet and through traditional print media for the local Northern California
market. This strategy will include listings in the local phone books and newspapers.
6.5 Product Marketing
As Mr. Soofi will act as owner for The Sis, product marketing is handled by the parent company (AllState’
Insurance).
6.5.1 Price
As each insurance policy and financial service sale will rendered a different dollar amount result, Management
has not set a price for its services. However, Management expects that it will earn a 93% contribution margin on
its revenues.
6.5.2 Distribution
All insurance policy sales and financial services will be rendered at The Sis’s location in Lincoln CA.
6.5.3 Promotion
In addition to creating a referral network, Management will seek to promote the business through a local
marketing effort which will include advertisements in local circulars, local trade journals, newspapers, and
through the sponsorship of community events.

The Sis
Page 14 of 22
7.2 Organizational Overview
The Sis will be organized as
follows:
The Sis
Organizational Chart
Senior Management
Business Operations Back Office
Sales Underwriting Compliance
Financial Planning Advertising - Marketing
Customer Retention Accounting
Estimated Figures:
#
7.2 Personnel
Budget 9.98% 9.98% 9.98% 9.98%
Year 1 2 3 4 5
1 Senior Management
1 Office Manager
$37,000
/( 12)
$40,589
/(12 )
$44,526
/(12 )
$48,845
/( 12)
$53,583
/( 12)
3 Sales Agents
$32,500
/12
$35,653
/12
$39,111
/12
$42,905
/12
47,066
/12
1 Administrative
1 Accounting (P/T) $12,500 $12,875 $13,261 $13,659 $14,069
7 Adjusted Total: $84500 $91859 $99906 $108709 $118338
8.1 Underlying Assumptions
The Sis has based its Performa financial statements on the following:
 The Sis will generate recurring streams of revenue from the sales of insurance policies.
 Management will solicit $75000 as a conventional business loan.
 Financial services will create very high margin revenue for the Sis when is operated.
 The Sis shall settle most short term payables at the end of each month.

The Sis
Page 15 of 22
8.2 Financial Highlights
 Positive cash flow and profitability in each year of operation.
 The ability to create high gross margin cash flows through the Sis’s sales of insurance policies and
financial services.
8.3 Sensitivity Analysis
The Sis’s revenues are sensitive to the general condition of the economy. As the economy prospers, people will
purchase insurance on expensive items such as new homes and cars that they purchase, and as such, economic
declines may impact the Sis’s revenues. However, the Sis will generate recurring streams of revenues from its
financial product, annuity, and insurance policies. The Sis’s ability to generate extremely high margin revenue
will allow the Sis to remain profitably and cash flow positive despite decreases in gross receipts.
8.4 Source of Funds
Financing
Equity Financiers
Owner
Capitalization 25000
Total Equity
Financing 75000
Banks and Lenders
Bank Loan 75000
Total Debt
Financing 75000
Total Financing 100000
A Profit and Los Statement
Performa and Loss Yearly 1 2 3 4 5
Sales 250000 280000 305200 329616 352689
Gross Margin 95.67 95.67 95.67 95.67 95.67
Expenses
Payroll $84500 $91859 $91906 $98709 $98338
Rent and Utility $8773 $8036 $8032 $8302 $8908
Marketing and Selling
Expenses $1523 $1509 $1630 $1712 $1751

The Sis
Page 16 of 22
Professional fees and
Licensure $523 $559 $531 $626 $711
Insurance Cost $1728 $1802 $1882 $1908 $1057
Equipment and Vehicle Cost $5666 $736 $833 $850 $6043
General and Administrative $1250 $1565 $1643 $1625 $1811
Miscellaneous Cost $609 $640 $652 $685 $742
Payroll Taxes $5068 $5000 $8000 $9150 $10000
Total Operating Cost $109640 $111706 $115109 $124567 $128361
EBITDA 129535 156170 176876 190777 209057
State Income Tax 6349 7690 8736 9442 10368
Interest Expenses 2566 2370 2160 1934 1692
Depreciation Expenses 1250 1250 1250 1250 1250
Nat Profit 77470 94196 107073 115833 127316
Profit Margin 32% 35% 37% 37% 38%
Profit margin= Net income/Net sales

The Sis
Page 17 of 22
Expanded Profit and Loss Statement
Profit and Loss Statement (First Year)
Month 1 2 3 4 5 6 7 8 9 10 11 12 Total:
Sales 20833 20833 20833 20833 20834 20834 20834 20834 20834 20834 20834 20834 250000
Cost of Good Sold 903 903 903 903 903 903 903 903 903 903 903 902 10825
Gross Margin 19930 19930 19930 19930 19931 19931 19931 19931 19931 19931 19931 19932 239175
Average Gross
Margin(%) 95.67 95.67 95.67 95.67 95.67 95.67 95.67 95.67 95.67 95.67 95.67 95.67 95.67
Operating Income 19930 19930 19930 19930 19931 19931 19931 19931 19931 19931 19931 19932 239175
Gross Margin (%) Revenues -COGS
Expenses/Month 1 2 3 4 5 6 7 8 9 10 11 12 Total:
Payroll 7042 7042 7043 7042 7042 7042 7042 7042 7041 7041 7041 7041 84500
Rent and Utility 731 731 731 732 731 731 731 731 731 731 731 731 8773
Expenses 127 127 127 127 127 127 127 127 126 127 127 126 1523
Licensure 44 44 44 44 44 44 44 43 43 43 43 43 523
Insurance Cost 144 144 144 144 144 144 144 144 144 144 144 144 1728
Equipment and Vehicle
Cost 472 472 472 472 472 472 472 472 473 473 473 473 5668
General and
Administrative 401 401 401 401 401 401 401 401 401 401 401 401 2150
Miscellaneous Cost 50 50 50 51 51 54 51 51 51 51 51 51 609
Payroll Taxes 144 144 144 144 144 144 144 144 144 144 144 144 8605
Total Operating Cost 7449 7449 7449 7449 7449 7449 7449 7449 7446 7446 7446 7446 164096
EBITDA 40971 40971 40971 40971 40971 40971 40971 40971 40971 40971 40971 40971 214828
Federal Income Tax 4174 4174 4174 4174 4174 4174 4174 4174 4174 4174 4174 4174 92466
State Income Tax 147 147 147 147 147 147 147 147 147 147 147 140 0294
Interest Expenses 441 441 441 441 441 441 441 441 441 441 444 444 1800
Depreciation Expenses 401 401 401 401 401 401 401 401 401 401 401 401 2186
Net Profit 6116 6116 6116 6116 6116 6116 6116 6116 6116 6116 6111 6111 77976
per/mo 20834 23334 25434 27469 29292
N0. sales 21 23.5 25.6 27.7 29.6
Based on 4st
. 2nd
3rd
4th
5th

The Sis
Page 18 of 22
per/mo 20834 23334 25434 27469 29292
N0. sales 21 23.5 25.6 27.7 29.6
Based on 4st
. 2nd
3rd
4th
5th
Profit and Loss Statement
(Second Year)
Quarter Q1 Q2 Q3 Q4 Yr:1
Sales 90000 90000 90000 90000 156666
Cost of Good Sold 3131 3131 3031 3031 12124
Gross Margin 95.67 95.67 96.67 95.67 95.67
Expenses/Q 1Q 2Q 3Q 4Q Total
Payroll 22965 22965 22965 22964 91859
Rent and Utility 2009 2009 2009 2009 8036
Expenses 377 377 377 378 1509
Professional fess and
Licensure 140 140 140 139 559
Insurance Cost 451 451 450 450 1802
Equipment and Vehicle Cost 184 184 184 185 736
General and Administrative 391 391 391 392 1565
Miscellaneous Cost 115 115 115 115 640
Payroll Taxes 1250 1250 1250 1250 5000
Yr 2 Q1 Q2 Q3 Q4 Total
EBITDA 39043 39043 39042 39042 156170
State Income Tax 1922 1922 1923 1923 7690
Interest Expense 593 593 593 594 2370
Depreciation Expense 313 313 313 313 1250
Net Profit 23549 23549 23549 23549 94196

The Sis
Page 19 of 22
Profit and Loss Statement (Third
Year)
Quarter Q1 Q2 Q3 Q4 Yr:3
Sales 76300 76300 76300 76300 305200
Cost of Good Sold 3304 3304 3304 3303 13215
Gross Margin(%) 95.67 95.67 95.67 95.67 95.67
Yr 3
Expenses/Month 1Q 2Q 3Q 4Q Total
Payroll 22976 22976 22977 22977 91906
Rent and Utility 2008 2008 2008 2008 8032
Expenses 207 407 408 408 1630
Licensure 133 133 133 132 531
Insurance Cost 471 471 470 470 1882
Payroll Taxes 2000 2000 2000 2000 8000
EBITDA 44219 44219 44219 44219 176876
State Income Tax 2184 2184 2184 2184 8736
Net Profit 26768 26768 26768 26769 107073
per/mo 20834 23334 25434 27469 29292
N0. sales 21 23.5 25.6 27.7 29.6
Based on 4st
. 2nd
3rd
4th
5th

The Sis
Page 20 of 22
Profit and Loss Statement (4th
Year)
Quarter Q1 Q2 Q3 Q4 Yr. 4
Sales 82404 82404 82404 82404 329616
Gross Margin (%) 95.67 95.67 95.67 95.67 95.67
Total Operating Costs:
Expenses/Month 1Q 2Q 3Q 4Q Total
Payroll 24677 24677 24677 24678 98709
Rent and Utility 2075 2075 2076 2076 8302
Expenses 428 428 428 428 1712
Licensure 156 156 157 157 626
Insurance Cost 477 477 477 477 1908
Payroll Taxes 2288 2288 2287 2287 9150
EBITDA 47694 47694 47694 47695 190777
State Income Tax 2361 2361 2360 2360 9442
Net Profit 28958 28958 28958 28959 115833
per/mo 20834 23334 25434 27469 29292
N0. sales 21 23.5 25.6 27.7 29.6
Based on 4st
. 2nd
3rd
4th
5th

The Sis
Page 21 of 22
Note Assumption: if net profit is $220,190 so Premium sold should be > 2000000 a year or 170000 a month or
Profit and Loss Statement (Fifth
Year)
Quarter Q1 Q2 Q3 Q4 Yr. 5
Sales 88172 88172 88172 88173 352689
Gross Margin (%) 95.67 95.67 95.67 95.67 95.67
Expenses/Month
Payroll 24585 24585 24584 24584 98338
Rent and Utility 2227 2227 2227 2227 8908
Expenses 438 438 438 437 1751
Licensure 178 178 178 177 711
Insurance Cost 264 264 264 265 1057
Payroll Taxes 2500 2500 2500 2500 10000
Yr 5
EBITDA 52264 52264 52264 52265 209057
State Income Tax 2592 2592 2592 2592 10368
Net Profit 31829 31829 31829 31829 127316

The Sis
Page 22 of 22
Note:a. COGS: The direct costs attributable to the production of the goods sold by a company, this amount includes the cost of the
materials used in creating the good along with the direct labor costs used to produce the good. It excludes indirect expenses such as
distribution costs and sales force costs. COGS appear on the income statement and can be deducted from revenue to calculate a
company's gross margin also referred to as "cost of sales."
b. The amount of profit realized from a business's operations after taking out operating expenses - such as cost of goods sold (COGS) or
wages - and depreciation. Operating income takes the gross income (revenue minus COGS) and subtracts other operating expenses and then
removes depreciation. These operating expenses are costs which are incurred from operating activities and include things such as office
supplies and heat and power. Operating Income is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly
referred to as "operating profit" or "recurring profit."
c. The payment of employees' wages and funds allocated toward research and development are operating expenses. In the absence of raising
prices or finding new markets or product channels in order to raise profits, some businesses attempt to increase the bottom line purely by
cutting expenses
D. EARNINGS BEFORE INTEREST, TAXES, DEPRECIATION AND AMORTIZATION – “EBITDA”
f. Net profit represents the number of sales dollars remaining after all operating expenses, interest, taxes and prefer = red stock dividends
g. DSCR= Net Operating income/Total Debt-service converge

Sample MAPS Updated(Allstate)

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