Portfolio Asset Allocation
Balanced family allocation across defensive and growth vectors
Real Estate Equity ($517k)
Total Stock Market Index ($402k)
Liquid Emergency Cash ($45k)
Children 529 College Plans ($70k)
🎓 529 College Savings Compounder
7% Return Target
Jordan (Age 15 • 3 Years to Matriculation)
$42,000 Current
Monthly Contribution: $350 • Projected at Age 18:
$58,400 Projected
On Track for 4-Yr State Univ
Alex (Age 9 • 9 Years to Matriculation)
$28,000 Current
Monthly Contribution: $300 • Projected at Age 18:
$74,200 Projected
Compounding In High Gear
📁 Generational Estate Vault
4 of 5 VerifiedEssential legal and financial directives maintained to protect family continuity.
Revocable Living Family Trust & Pour-Over Will
Executed 2024 • Stored with Miller & Associates Law
Healthcare Proxy & Advance Medical Directives
Both parents filed • Copied to Primary Care Provider
20-Year Term Life Insurance ($1.5M / Parent)
Policy #NW-8841-B • Guaranteed level through 2038
Emergency Digital Password & Vault Succession
Emergency access contact designated in 1Password Family
Annual Beneficiary Designation Audit
Verify 401(k) and brokerage primary & contingent beneficiaries
Active Asset & Liability Ledger
| Asset / Liability Name | Category | Institution / Details | Current Valuation |
|---|---|---|---|
| Primary Residence (Maple Ave) | Real Estate | Zillow Estimate / Independent Appraisal | $825,000 |
| Primary Mortgage | Liability | Chase Home Lending • 3.125% Fixed 30-Yr | ($307,500) |
| Vanguard Total Stock Market (VTSAX) | Equities (Brokerage + Roth) | Vanguard Accounts | $248,500 |
| Employer 401(k) Index Retirement | Tax-Advantaged | Fidelity Investments | $153,500 |
| Jordan 529 College Plan | Education (Tax-Free) | NY 529 Direct Plan (Aggressive Growth) | $42,000 |
| Alex 529 College Plan | Education (Tax-Free) | NY 529 Direct Plan (Aggressive Growth) | $28,000 |
| Marcus High-Yield Emergency Reserve | Liquid Cash | Marcus by Goldman Sachs (4.4% APY) | $45,000 |