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 COMPOSERSPECIMEN
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 ·
BAFAOS · CLIENT PORTALSPECIMEN · FICTIONAL · AUG MMXXVI
A record,in your name.
BENEFICIARY SWEEP
9 OF 9 · SIGNED
QDRO
FUNDED · RECONCILED
SETTLEMENT STAGING
MONTH 5 OF 6
The final tranche lands next month — then the plan runs quiet.
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
62
STEADY
→
54 ▾
THE DIP
→
77 ▴
RECOVERED
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.
· 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 ·
