Financial Plan — DRAFT

The Underhill Household

Prepared by: Sam (paraplanner) · draft for advisor review

Draft date: 2026-09-15

Client since: 2019-01 · Review cadence: annual

DRAFT — projections not yet reviewed with client

1. Household summary

Primaries: Vivian Underhill and Victor Underhill. Dual-income household approaching the transition years. Already well-funded across taxable, Roth, and Traditional buckets. Priorities are tax-aware drawdown sequencing and a modest legacy goal.

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

Account	Type	Custodian	Acct	Value
Vivian Underhill — Individual Taxable	Individual Taxable	Ridgeline Custody Services	••• 5416	$847,919.00
Vivian Underhill — Roth IRA	Roth IRA	Ridgeline Custody Services	••• 8231	$1,320,259.00
Vivian Underhill — Traditional IRA	Traditional IRA	Bellhaven Trust Co.	••• 8744	$814,027.00
Total				$2,982,205.00

3. Goals (client-stated, to confirm)

Retire within the next 5–7 years; maintain current lifestyle spending in retirement.
Prioritize Roth preservation for legacy — spend taxable and Traditional first.
Fund an annual family gifting goal once retired.

4. Savings rate

Combined household savings estimated at $4,000/month across taxable and retirement accounts, plus annual IRA/Roth contributions where eligible. (Placeholder — confirm against 2026 contributions.)

5. Target allocation (draft — balanced growth, 65/35)

Sleeve	Fund	Target
US large-cap core	Harborlight Core Equity Fund	34%
US small-cap	Pellbrook Small Companies Fund	7%
International equity	Westerly International Equity Fund	15%
Balanced income	Callowfield Balanced Income Fund	9%
Core bonds	Stonemere Intermediate Bond Fund	30%
Cash / MM	Northquay Government Money Market	5%

Bond and money-market weight sits in the Traditional IRA; the Roth carries the highest-growth equity sleeves (Harborlight, Pellbrook) to maximize tax-free compounding for the legacy goal.

6. Retirement sketch (illustrative — NOT a guarantee)

Assumes a 5.5% blended return, 2.5% inflation, and contributions as above through retirement. Under these illustrative assumptions the household comfortably supports its stated spending with a withdrawal rate under 4%, and the Roth balance continues to grow through the early retirement years for the legacy goal. Estimates only — actual outcomes vary with markets and spending.

7. Open items for advisor

Model a Traditional-IRA drawdown / partial Roth-conversion ladder in the gap years before RMDs begin.
Confirm the annual gifting target amount.
Update beneficiary designations across all three accounts.