> FICTITIOUS DOCUMENT — FORGE DEMO ONLY · SPECIMEN

# Client Review Memo — The Osgood Household (H124)

- **Clients:** Frances Osgood, Tessa Osgood
- **Meeting date:** 2026-09-15 (in-office)
- **Advisor:** Marcus Hale
- **Cadence:** annual review
- **Client since:** 2020-11

## Agenda & discussion

1. **Annual review.** Portfolio on track; no allocation change.
2. **Cash management.** They received a bonus and are holding more cash than usual in
   their checking — around $40,000 [color]. Discussed moving the excess into the
   money-market sleeve (Northquay Government Money Market) rather than letting it sit
   idle, keeping a normal operating buffer in checking.
3. **Next year's contribution.** Confirmed they'll max out retirement contributions
   again; no change to the schedule.

## Decisions

- Move the excess cash to the money-market sleeve; keep an operating buffer in checking.

## Action items

| # | Item | Owner | Due |
|---|---|---|---|
| 1 | Prepare the transfer paperwork for the excess cash into the money-market sleeve | Priya | 2026-09-25 |
| 2 | Confirm the household's 2026 contribution status | Marcus | 2026-09-30 |

*— M. Hale, 2026-09-15*