· A client journey · fictional example household

All in One Stock — a client journey.

· Example household · fictional ·

Priya Raman — twenty-two years at one company, seventy-one percent of her net worth in its stock, and the quiet math she avoided: one earnings call could reprice her retirement.

Age

Came to us

2023

Under care

$6.8M

Folio

Vol. III

· The arrival

The position was earned, not chosen — RSUs and options, vest after vest, until one ticker was most of the estate. Selling it all at once meant a seven-figure tax bill and a timing bet; holding meant the household rode one stock. The plan refused both: a floor under the position first, then a scheduled unwind — measured, tax-mapped, and written down before the first share moved.

· The plan, composed

·The concentration ceiling, signed: no single name above 20% of the household — reached over three years on a schedule, not in one taxable event.

·A collar placed around the position — protective puts setting the floor, covered calls paying for them — so the unwind proceeds by calendar, not by nerve.

·Tranches mapped with her CPA against the tax picture: gains staggered across years, losses harvested elsewhere to offset.

·The lowest-basis shares routed to a donor-advised fund — the giving she already does, at full deduction, with the embedded gain never realized.

· The portfolio, composed ·

Allocation · not performance

On arrival

As composed

One ticker · 18%Diversified · 74%Cash · 8%

BAFAOS · PORTFOLIO COMPOSER SPECIMEN

RISK · CAPACITY

42 / 45

COMPOSED · IN RANGE

SLEEVES · AS COMPOSED

One ticker18%

Diversified74%

Cash8%

· 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 ceiling, signed.Twenty percent, in writing — the first time the household had a number instead of a feeling.

2023The collar, placed.Puts bought, calls sold, the floor set at little net cost — the downside capped before a single share was sold.

2024Tranche one.Sold on the schedule inside the collar; gains offset by harvested losses; proceeds into the plan the same week.

2024The gift.The lowest-basis lots to the donor-advised fund — the deduction taken, the gain never realized, the schedule undisturbed.

2025The run-up.The stock rallied hard between tranches. The ledger shows the temptation — and the next sale executing anyway, as written.

2026Folio Vol. III bound.Concentration seventy-one percent on arrival, eighteen today — every tranche, strike, and tax figure on the record.

· The watching

Household health score · desk-initiated

One day, between meetings —

We noticed a sharp rally pushed the single name back above the glidepath midway through the unwind.

The answer The next tranche moved up and the collar re-struck around the new price — the ceiling held, the reasoning filed.

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.

Twenty-two years to build the position. Three, on a signed schedule, to make it a portfolio.

· 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 ·