> FICTITIOUS DOCUMENT — FORGE DEMO ONLY · SPECIMEN

# Meeting Prep Workbook — The Burnside Household

**Prepared by:** Sam (paraplanner)
**Prep date:** 2026-10-02
**Review meeting:** 2026-10-13 · with Marcus
**Client since:** 2013-11 · Cadence: annual

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### Accounts (values as of 2026-09-30 custodian close)

| Account | Type | Custodian | Acct | Value | Billable |
|---|---|---|---|---|---|
| Irwin Burnside — Revocable Trust | Revocable Trust | Bellhaven Trust Co. | ••• 4401 | $592,029.00 | Y |
| Irwin Burnside — Roth IRA | Roth IRA | Ridgeline Custody Services | ••• 8337 | $1,070,772.00 | Y |
| Irwin Burnside — 529 Plan | 529 Plan | Bellhaven Trust Co. | ••• 3871 | $1,025,736.00 | N |
| Irwin Burnside — Traditional IRA | Traditional IRA | Bellhaven Trust Co. | ••• 1692 | $878,255.00 | Y |

- **Managed (billable) total:** $2,541,056.00
- **Including 529 (not billed):** $3,566,792.00

### Agenda

1. Portfolio review vs. target allocation — trust and Roth drifted equity-heavy after
   the summer run; discuss trimming Harborlight back toward target.
2. **2026 RMD — Traditional IRA (••• 1692):** required $57,779.93, and the full amount
   has been distributed for the year. Confirm with client, nothing further needed for
   2026. (See RMD tracker.)
3. 529 (••• 3871) — grandchild education timeline; contribution plans for next year.
4. Beneficiary confirmation across all four accounts.

### Balances / what-if notes

- Irwin is 86; the Traditional IRA RMD will step up modestly next year as the divisor
  falls — flag that the 2027 figure will be larger even if the balance is flat.
  *(Directional note only — not yet calculated.)*
- Roth is the legacy sleeve — no RMD, leave it growing.
- If he wants to increase 529 gifting, model the impact on the taxable/trust
  liquidity before committing. *(Rough scenario, to build if he raises it.)*

### To pull before the meeting

- Latest custodian statements for all four accounts.
- YTD realized-gain summary on the trust for the tax-trim discussion.

*Prep only — advisor confirms all figures with client at the meeting.*