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 COMPOSERSPECIMEN
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 ·
BAFAOS · CLIENT PORTALSPECIMEN · FICTIONAL · AUG MMXXVI
The plan, runningquietly.
RSU RULE
NEXT VEST · MAR 15
529 AUTODRAFT
$500 · THE 1ST
GLIDEPATH STEP
SCHEDULED · 2027
Nothing due from the household — next review September 12.
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
76
STEADY
→
68 ▾
THE DIP
→
81 ▴
RECOVERED
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.
· 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 ·
