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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

Divorce — a client journey.

· Example household · fictional ·

Sarah Kim — mid-storm: a QDRO pending, a house question open, and beneficiary forms still naming her ex.

Age
44
Came to us
2024
Under care
$1.15M
Folio
Vol. II

· The arrival

She came before the settlement was final, which is the right time. The first week was triage in writing: what she owns now, what arrives with the decree, and the forms that could not wait a single day longer. Then — only then — a plan built from her goals alone.

· The plan, composed

·Beneficiaries swept day one — every account, every policy, signed the same week.
·The QDRO tracked to funding, not just to signature.
·Keep-or-sell house math written both ways before the mediation session.
·The settlement staged from cash into a portfolio of her own, over six deliberate months.

· The portfolio, composed ·

Allocation · not performance
On arrival
As composed
Equities · 75%Fixed income · 20%Cash · 5%
BAFAOS · PORTFOLIO COMPOSER SPECIMEN
RISK · CAPACITY
50 / 52
COMPOSED · IN RANGE
SLEEVES · AS COMPOSED
Equities75%
Fixed income20%
Cash5%
· 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

2024Day one.The beneficiary sweep — the form nobody thinks of until it is the only thing that matters.
2024The QDRO, funded.Followed from decree to deposit; confirmed, reconciled, recorded.
2025The house, decided.Sold — because the written math said keeping it meant working four more years. Her call, made with clear numbers.
2025The name, everywhere.Retitled across every account and card on a checklist that is now in the folio.
2026Folio Vol. II bound.The first full year in her name alone — plan, record, and signature hers.

· The watching

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

We noticed  she went quiet for five weeks in the worst of the proceedings.

The answer  A phone call, not a nudge. The record shows the call — and the plan that waited for her.

It surfaced at a desk reading — as Engagement, 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.

A new record, in your name alone.

· 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 ·