Frank & June Delgado — the paychecks stopped on a Friday. The money had to start writing them on Monday.
Ages
66 · 65
Came to us
2022
Under care
$2.4M
Folio
Vol. IV
· The arrival
Forty years of accumulating, and no one had ever shown them the other direction: which account pays for groceries, when Social Security starts, what happens to taxes now. Retirement is a payroll problem. We built the payroll.
· The plan, composed
·Two years of spending held in short duration — the paycheck sleeve.
·Social Security timed and filed: June at full retirement age, Frank delayed to 70. The math is in the folio.
·The QCD channel opened for their giving — pre-tax dollars to the parish, recorded.
·Withdrawals sequenced across taxable, deferred, and Roth to keep the bracket level.
· The portfolio, composed ·Allocation · not performance
On arrival
As composed
Equities · 50%Fixed income · 44%Cash · 6%
BAFAOS · PORTFOLIO COMPOSERSPECIMEN
RISK · CAPACITY
46/48
COMPOSED · IN RANGE
SLEEVES · AS COMPOSED
Equities50%
Fixed income44%
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 PORTALSPECIMEN · FICTIONAL · AUG MMXXVI
The paycheck,still arriving.
MONTHLY PAYCHECK
$9,400 · THE 1ST
CASH SLEEVE
22 MONTHS HELD
BRACKET HEADROOM
$31,200
The conversion is sized to the headroom — memo at the fall review.
2022The first paycheck.The withdrawal schedule signed; the first monthly transfer landed like a salary.
2023Social Security, filed.Both elections executed exactly as the recorded math said, on the recorded dates.
2024The roof.A $38,000 surprise paid from the cash sleeve — no equities touched, no plan disturbed.
2025The RMD era, early.Required distributions modeled two years before they start; conversions sized to soften them.
2026Folio Vol. IV bound.Four years of paychecks, every one of them traceable to a signed schedule.
· The watching
Household health score · desk-initiated
83
STEADY
→
75 ▾
THE DIP
→
86 ▴
RECOVERED
One day, between meetings —
We noticed a mid-year tax-law change made the scheduled review too far away.
The answer An out-of-cycle review triggered the same week; the bracket refilled and the conversion resized, on the record.
It surfaced at a desk reading — as Review Cadence, 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.
Retirement is a payroll problem. We run the payroll — and write down every run.
· 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 ·
