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· Est. MMXXI ·
A Boutique Registered Investment Adviser
Fee-Only · Fiduciary · Ponte Vedra, FL
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In development. The Folio, BAFAos and the Household Health Score are being developed by BAFA Labs, Inc., a company under common ownership with Intellicapital. They are not used with client information or to provide advice or services to clients today. Pages describing them show what is being built, not what clients currently receive.

· A client journey · fictional example household

Building — a client journey.

· Example household · fictional ·

Maya & Chris Okafor — two careers, a new daughter, five accounts in four places and no plan holding them together.

Ages
34 · 36
Came to us
2023
Under care
$410,000
Folio
Vol. III

· The arrival

They arrived with good incomes and scattered pieces — a 401(k) each, an old IRA, RSUs vesting quarterly, a daughter eleven weeks old. Nobody had ever written the whole household down on one page. The first folio did exactly that, before any investment changed.

· The plan, composed

·Five accounts consolidated to three, titled correctly.
·A written glidepath — equity-heavy now, stepping down on a schedule they signed.
·The 529 opened and funded on the daughter’s 90th day.
·Term life sized to the plan, placed, and filed — and an RSU sell-to-diversify rule signed before the next vest.

· The portfolio, composed ·

Allocation · not performance
On arrival
As composed
Equities · 88%Fixed income · 8%Cash · 4%
BAFAOS · PORTFOLIO COMPOSER SPECIMEN
RISK · CAPACITY
74 / 76
COMPOSED · IN RANGE
SLEEVES · AS COMPOSED
Equities88%
Fixed income8%
Cash4%
· COMPOSED AGAINST THE PLAN · SIGNED BEFORE IT TRADES · · EVERY CHANGE A LEDGER LINE ·

· Inside the portal · this household, signed in

· Specimen · illustrative only ·
· Plate · the client portal · one screen from this journey ·

· The record · life events

2023The consolidation.Every account inventoried, moved, and reconciled — the plan of record signed.
2024First vest under the rule.RSUs sold to schedule, proceeds staged — no decision to agonize, just a rule executing.
2025The job change.A new offer’s equity package reviewed against the plan before she signed it.
2025The house fund.A down-payment sleeve carved out in short duration — walled off from the market.
2026Folio Vol. III bound.Three years of decisions, each with its reason, in a document their daughter can someday read.

· The watching

Household health score · desk-initiated
One day, between meetings —

We noticed  the insurance step sat unfinished for 30 days while life got busy.

The answer  A nudge, then a 20-minute call; the policy placed the same week. The score recovered at the next reading.

It surfaced at a desk reading — as Planning Completion, one line in the record. That is BAFAos at work: when the advisor identifies a material change, the affected chapter is reopened for review.
The score is desk-initiated — recomputed when your advisor runs the review, not by an autonomous schedule; its verification lives in the Claims Register.

The folio begins before the wealth does — that is the point.

· When it reads like yours Let’s get started  → A short conversation opens the record; onboarding continues in the client portal.
· Example households · fictional composites, illustrative only · not clients · allocations shown for illustration — no investment performance shown or implied · options strategies, where shown, carry their own risks and costs ·