Dana Whitfield — an S-corp doing well, a personal balance sheet that was an afterthought, and every egg in one basket.
Age
47
Came to us
2022
Under care
$1.3M + Co.
Folio
Vol. IV
· The arrival
The business was the portfolio — profitable, growing, and the only asset that mattered. Personal cash piled up untended because every dollar felt safer "in the company." The first work was separation: a personal estate that stands on its own, whatever the business does.
· The plan, composed
·A cash-balance plan stacked on the solo 401(k) — six figures a year moved out of the company, pre-tax.
·The buy-sell agreement funded and the key-person coverage placed.
·A quarterly distribution discipline, written and signed.
·The exit rehearsed annually on paper — so the real offer, when it comes, meets a prepared seller.
· The portfolio, composed ·Allocation · not performance
On arrival
As composed
Equities · 68%Fixed income · 24%Cash · 8%
BAFAOS · PORTFOLIO COMPOSERSPECIMEN
RISK · CAPACITY
58/61
COMPOSED · IN RANGE
SLEEVES · AS COMPOSED
Equities68%
Fixed income24%
Cash8%
· 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
2022The retirement stack.Cash-balance + 401(k) opened; the first six-figure contribution moved and recorded.
2023Buy-sell, funded.The agreement everyone had been meaning to finish — finished, insured, filed.
2024The unsolicited offer.An acquirer called. We ran the after-tax math with her CPA; she declined. The reasoning is in the ledger.
2025Exit rehearsal, year three.Updated multiple, updated tax picture, updated answer to "what would have to be true."
2026Folio Vol. IV bound.The company and the household, finally two chapters instead of one entangled story.
· The watching
Household health score · desk-initiated
74
STEADY
→
66 ▾
THE DIP
→
79 ▴
RECOVERED
One day, between meetings —
We noticed a revaluation of the company pushed total concentration past the written threshold.
The answer Public-equity exposure trimmed to offset; the household’s overall risk brought back inside its range, tax-aware.
It surfaced at a desk reading — as Risk Alignment, 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 business is the engine. The record keeps it from becoming the whole estate.
· 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 ·
