> FICTITIOUS DOCUMENT — FORGE DEMO ONLY · SPECIMEN

# Financial Plan — DRAFT
## The Mercer Household

**Prepared by:** Sam (paraplanner) · draft for advisor review
**Draft date:** 2026-09-22
**Client since:** 2019-05 · Review cadence: annual
**Status:** DRAFT — projections not yet reviewed with client

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### 1. Household summary

Primaries: Nolan Mercer and Martin Mercer. Mid-accumulation household with the bulk
of assets in a revocable trust plus three joint taxable accounts. Focus this cycle is
consolidating the taxable sleeves onto one allocation and setting an education/legacy
plan. Growth-oriented, long horizon.

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

| Account | Type | Custodian | Acct | Value |
|---|---|---|---|---|
| Nolan Mercer — Revocable Trust | Revocable Trust | Bellhaven Trust Co. | ••• 8815 | $617,679.00 |
| Nolan Mercer — Joint Taxable | Joint Taxable | Ridgeline Custody Services | ••• 6596 | $370,124.00 |
| Nolan Mercer — Joint Taxable | Joint Taxable | Bellhaven Trust Co. | ••• 5184 | $798,338.00 |
| Nolan Mercer — Joint Taxable | Joint Taxable | Bellhaven Trust Co. | ••• 5253 | $693,659.00 |
| **Total** | | | | **$2,479,800.00** |

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

- Long-horizon growth; no drawdown expected for 15+ years.
- Consolidate the three joint taxable accounts to a single managed sleeve to simplify
  rebalancing and tax-lot tracking.
- Begin an annual education-funding contribution (no 529 on file yet — discuss
  opening one).

### 4. Savings rate

Estimated **$5,500/month** across the taxable accounts. Draft assumes this continues
and is redirected in part to a future education account once opened. *(Placeholder —
confirm with client.)*

### 5. Target allocation (draft — growth, 80/20)

Using firm model sleeves only:

| Sleeve | Fund | Target |
|---|---|---|
| US large-cap core | Harborlight Core Equity Fund | 42% |
| US small-cap | Pellbrook Small Companies Fund | 10% |
| International equity | Westerly International Equity Fund | 20% |
| Balanced income | Callowfield Balanced Income Fund | 8% |
| Core bonds | Stonemere Intermediate Bond Fund | 16% |
| Cash / MM | Northquay Government Money Market | 4% |

Given the long horizon and no near-term drawdown, the bond sleeve is intentionally
light. Revisit the glide path in ~10 years.

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

Assumes a 6.0% blended return and 2.5% inflation with contributions as above. Under
these **illustrative** assumptions the household builds well past the mid-$5M range
over the planning horizon before any drawdown. Figures are planning estimates only.

### 7. Open items for advisor

- Recommend opening a 529 for the stated education goal — Ridgeline offering.
- Confirm consolidation of the three joint taxable accounts (tax-lot review first).
- Confirm trust language and successor trustee on the revocable trust.

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