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· Est. MMXXI ·
A Boutique Registered Investment Adviser
Fee-Only · Fiduciary · Ponte Vedra, FL
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· A client journey · fictional example household

No Children — a client journey.

· Example household · fictional ·

Marcus & Theo Alvarez-Finch — two beloved dogs, an estate promised whole to charity, and the question no plan had ever answered: who cares for the one left behind?

Ages
61 · 58
Came to us
2020
Under care
$3.2M
Folio
Vol. VI

· The arrival

Estate planning defaults to bloodline, and theirs doesn’t. What was actually on their minds had never fit an intake form: who takes care of the survivor when one of them is gone, who takes care of Biscuit and Juno, how everything ends up at the causes they chose — and, hardest of all for two people who trust almost no one, who holds the pen if neither of them can. The folio answers all four, in writing.

· The plan, composed

·A pet trust, funded and specific — caregiver and backup named and asked, the care standard written, the veterinary fund sized and set aside.
·Everything to charity, by design: a donor-advised fund opened now, funded with appreciated stock, and named as the estate’s final beneficiary.
·The survivor plan, rehearsed for each of them alone — housing, care coordination, who manages what, who calls whom.
·The power of attorney they could live with: a licensed professional fiduciary, authority bounded in writing, accountings required annually, the firm’s record as the check.

· The portfolio, composed ·

Allocation · not performance
On arrival
As composed
Equities · 60%Fixed income · 34%Cash · 6%
BAFAOS · PORTFOLIO COMPOSER SPECIMEN
RISK · CAPACITY
48 / 50
COMPOSED · IN RANGE
SLEEVES · AS COMPOSED
Equities60%
Fixed income34%
Cash6%
· 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 PORTAL SPECIMEN · FICTIONAL · AUG MMXXVI

The chosen, on file.

PET TRUST
FUNDED · CURRENT
DAF GRANTS
ON SCHEDULE
POA ACCOUNTING
RECEIVED · REVIEWED

Survivor rehearsal III comes with the spring review.

· Plate · the client portal · one screen from this journey · See the system behind it

· The record · life events

2020The rebuild.Wills, trusts, and directives rewritten from zero assumptions — every line a choice, none a default.
2021The DAF, funded.Appreciated shares moved in; the giving account that will one day receive the whole estate, opened while they can watch it give.
2022The pet trust.Biscuit and Juno named; caregiver and backup signed; the fund sized to real veterinary arithmetic.
2024The survivor rehearsal.Each walked the plan as the one left behind. The gaps it exposed were fixed on the record.
2025The pen.A professional fiduciary retained as agent — bounded authority, annual accountings, acceptance letter filed.
2026Folio Vol. VI bound.An estate with no defaults — and no ambiguity about the dogs, the causes, or the pen.

· The watching

Household health score · desk-initiated
84
STEADY
→
76 ▾
THE DIP
→
87 ▴
RECOVERED
One day, between meetings —

We noticed  the annual audit found the pet trust’s named caregiver had relocated abroad.

The answer  The backup stepped up exactly as written; the instruction letter refreshed and re-signed within the month.

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

No heirs does not mean no one to protect. The record names them all — the survivor, the dogs, the causes, the pen.

· Feel the deliverable Flip through the Alvarez-Finch folio  → Their bound volume — cover to signature page, all eleven chapters. · 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 ·