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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

Post-Retiree · Early Years — a client journey.

· Example household · fictional ·

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 COMPOSER SPECIMEN
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 ·
· Plate · the client portal · one screen from this journey ·

· The record · life events

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
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.

· 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 ·