> FICTITIOUS DOCUMENT — FORGE DEMO ONLY · SPECIMEN

# Financial Plan — DRAFT
## The Calder Household

**Prepared by:** Sam (paraplanner) · draft for advisor review
**Draft date:** 2026-08-27
**Client since:** 2022-05 · Review cadence: annual
**Status:** DRAFT — projections not yet reviewed with client

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### 1. Household summary

Primary: Bettina Calder. Single-earner household, targeting retirement in the
early-to-mid 2030s. Comfortable risk tolerance, prefers a growth tilt with a real
bond anchor. No liquidity events expected in the next 24 months.

### 2. Current accounts (values as of 2026-09-30 custodian close)

| Account | Type | Custodian | Acct | Value |
|---|---|---|---|---|
| Bettina Calder — Joint Taxable | Joint Taxable | Ridgeline Custody Services | ••• 1996 | $433,931.00 |
| Bettina Calder — Traditional IRA | Traditional IRA | Bellhaven Trust Co. | ••• 9765 | $259,210.00 |
| Bettina Calder — Traditional IRA | Traditional IRA | Ridgeline Custody Services | ••• 6107 | $468,227.00 |
| **Total** | | | | **$1,161,368.00** |

### 3. Goals (client-stated, to confirm)

- Retire around age 64 with an inflation-adjusted spending target in today's dollars.
- Keep two years of planned spending in short-duration/cash-like holdings once
  drawdown begins.
- Leave the taxable account as the flexible bucket for a possible second-home down
  payment.

### 4. Savings rate

Client currently directs an estimated **$2,750/month** to the taxable account plus
IRA max. Draft assumes contributions continue at this pace through retirement. *(To
verify against 2026 paystub — placeholder figure.)*

### 5. Target allocation (draft — moderate growth, 70/30)

Using firm model sleeves only:

| Sleeve | Fund | Target |
|---|---|---|
| US large-cap core | Harborlight Core Equity Fund | 38% |
| US small-cap | Pellbrook Small Companies Fund | 8% |
| International equity | Westerly International Equity Fund | 16% |
| Balanced income | Callowfield Balanced Income Fund | 8% |
| Core bonds | Stonemere Intermediate Bond Fund | 26% |
| Cash / MM | Northquay Government Money Market | 4% |

The two Traditional IRAs hold the bond and money-market weight for tax efficiency;
the taxable account carries the equity sleeves.

### 6. Retirement sketch (illustrative — NOT a guarantee)

Assumes a 5.5% blended return and 2.5% inflation, contributions as above. Under these
**illustrative** assumptions the household reaches roughly the mid-$2M range at the
target retirement date, supporting the stated spending goal with a low-to-moderate
withdrawal rate. Figures are planning estimates only and will move with markets.

### 7. Open items for advisor

- Confirm actual monthly savings figure before finalizing.
- Discuss Roth conversion window in the low-income years right after retirement.
- Beneficiary review — Traditional IRAs on file, confirm current wishes.

*Draft — do not send to client. Route to Marcus for the annual review.*