· A specimen folio · page through one ·
The artifact, in your hands.
This is a complete, fully anonymized folio for a household that does not exist. Turn the pages — the letter, the positions, the decisions, the estate audit, the signature — and see what a year on the record actually looks like.
· Specimen · fictional household · illustrative only ·
· Specimen · fully anonymized · figures hypothetical & illustrative · no actual client ·
In this binding · eleven chapters
What the pages hold.
The same eleven chapters as every folio the firm binds — here filled for the fictional Callahan household, so you can read the structure before you page through it.
IThe LetterThe year’s decisions, explained to the household in the advisor’s own hand.
IIPositionsEvery holding with its weight and value — reconciled to the custodian.
IIIPerformanceA specimen shows no portfolio returns — only the benchmark. Withheld by design under SEC Rule 206(4)-1; your own folio shows your returns, net of every fee.
IVThe Decision LedgerEach dated entry with who acted and why — reasoned in full in the appendix, sealed by hash.
VThe Plan of RecordGoals, cash flow, and the Monte Carlo cone — the baseline everything answers to.
VITaxThe year’s tax reasoning, coordinated with the CPA and recorded with its offsets.
VIIEstate AuditDocuments and beneficiaries checked against the accounts — current, or flagged for action.
VIIIGovernanceInvestment policy, conflicts disclosed, and the rails that hold between reviews.
IXFeesWhat you paid, reconciled to the dollar against what was agreed. No other revenue reaches the firm.
XThe CadenceWhat’s scheduled, what triggered an out-of-cycle review, and what’s next.
XIThe AppendixSource documents and disclosures — the receipts, attached. Where every figure’s provenance leads.
·The Signature PageSigned by both partners and the client — sealed, dated, on the record.
Begin your own.
A first conversation produces the first page — the cover of a folio with your household's name on it.
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