Analyze each these personal financial transactions and determine their impact on your clients balance sheet:

Your client buys a $50,000 car with a 20% down payment at a 6% interest rate. Your client buys an antique with a market value of $5,000 and pays $3,500 in cash for it. Your clients investments earn $22,000 in this bull market. Your client refinances their current 30 years mortgage to a 15 year mortgage and amortizes all closing costs.

Identify and describe the opportunities you see from your clients personal financial statements. Be sure to discuss the strengths and opportunities these statements reflect.