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It is noteworthy that family is though enjoying the current ease of payments but is piling up debt that will move beyond the capacity of the family in future. Major pressures will be piled up from regular home installment, investment unit’s huge payment that is also not offering redraw facility, credit card that is piling up with regularity. The dividends from the stocks that Ann inherited are already recognized as franked and so cannot be relied for payment of certain of such debt. One aspect that identifies the issues is the capital appreciation from stocks in three years is 2.2% only. This percentage appears worthless as it is multiple to the percentage payable on the investment unit. Also investments made by the family are not generating the notable income such as tenant income from investment unit is running in deficit of USD 134 after meeting expense of interest. Two children are still to gain the higher education, the price of which is constantly on rise due to economic pressures. This problem will be complimented with the fact that both bread earners of family are in their late forties; therefore, the woman will retire in middle term in future while man though has his own business but will reduce the capacity to visit same number of clients as he does today and so will earn less or no. Also fast paced technological changes will ultimately require men to hire workforce which will add cost to the business. Hence, the overall revenue and expense plan is not worth. Considering these factors the future of the family is gloomy and troublesome. It can be safely stated that the future of the family is at financial risk. Steps To Improve the Situation with Respective Rationales The reflection of future developed from the assessment of the case clearly requires that it is high of time for family to assess the contribution from each cost incurred and respective benefit derived from it in current point in time as well as for future. This long term planning requires family to set the future goals. Goals to be set as suggested must meet following requirements: Each goal set must ensure that it results in meeting the financial benefit in the long terms. Goals must also enable family to align their current financial resources in a manner that are able to generate the productive results. With above two financial directions for setting goals and well as the case information, following goals must be set by the family: Readiness to re-allocation of the financial resources. Meeting and paying-off the debt burden without generating any additional debt. Enable the family to meet the educational expense of the children Enable the family to meet the meet medical requirement for father and Jack and Ann in future Enable the family to meet the fixed expenditure of the family safely once the family bread earners retire. The last goal of the family is to ensure the contribution in the family budget from every earning head. Once the family has determined what financial resource they require in the different points in time, then it shall focus itself in directing the financial resources accordingly. This will require the family to rebuild its budget. Following steps are suggested to the family for the reallocation of the budget: The family must retire the debts it has piled from two cars and a ...Show more


Case study Name: Institution: The Potential Problem That Ann And Jack May Face The currents status of the financial position of Ann and Jack is apparently stable with surplus of USD 2,087. All expenses are being met successfully. However, the current situation is showing no problem for the fact that family is currently managing payments by only paying percentage of their total expenses…
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Financial Case Study
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