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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

Inheritance / Windfall — a client journey.

· Example household · fictional ·

David Chen — an inherited IRA with a ten-year clock, a brokerage full of embedded gains, his mother’s house, and advice from everyone.

Age
39
Came to us
2025
Under care
$2.8M
Folio
Vol. I

· The arrival

A windfall arrives with a countdown and a crowd. The first rule was written on the first day: nothing fast for ninety days except what the law requires. Then the clock work — the ten-year drawdown composed against his own tax curve, not a generic schedule.

· The plan, composed

·The estate inventoried and reconciled to the penny before any decision.
·The inherited-IRA drawdown composed year-by-year against his bracket — signed as a schedule, not improvised annually.
·The step-up audited on every inherited lot; the embedded-gain map drawn.
·The house sold; proceeds staged into the portfolio over nine months.

· The portfolio, composed ·

Allocation · not performance
On arrival
As composed
Equities · 80%Fixed income · 15%Cash · 5%
BAFAOS · PORTFOLIO COMPOSER SPECIMEN
RISK · CAPACITY
56 / 58
COMPOSED · IN RANGE
SLEEVES · AS COMPOSED
Equities80%
Fixed income15%
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

2025The ninety days.The do-nothing-fast rule, signed. It held against every hot tip at every family dinner.
2025The schedule.Ten years of distributions mapped against salary, bonus years, and a possible sabbatical.
2025The house.Sold at the appraisal, step-up applied, proceeds staged — each tranche recorded as it moved.
2026Year-one distribution.Executed on schedule, in the window the tax map chose.
2026Folio Vol. I bound.His mother’s estate, closed with a record she would have recognized as careful.

· The watching

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

We noticed  a larger-than-planned bonus was about to stack on top of a scheduled distribution.

The answer  The distribution resequenced into January — same schedule, kinder bracket. The reasoning is one line in the ledger.

It surfaced at a desk reading — as Planning Journey, 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.

An inheritance keeps its shape when the decisions are written down.

· 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 ·