Eleanor Voss — 81, widowed, eleven accounts, a filing cabinet, and a daughter three time zones away.
Age
81
Came to us
2019
Under care
$1.7M
Folio
Vol. VII
· The arrival
Her husband had handled everything, and everything was everywhere. The work of the late years is subtraction: fewer accounts, fewer surprises, more of the record readable by the people who will need it. Simplification is not a smaller standard — it is the standard, applied kindly.
· The plan, composed
·Eleven accounts consolidated to three; every title and beneficiary audited.
·Powers of attorney and healthcare directives refreshed — and her daughter joined the annual review, with consent on file.
·Income first: a portfolio built to pay her, quietly.
·Trusted-contact letters filed with every institution, and a diminished-capacity protocol agreed with the family in writing.
· The portfolio, composed ·Allocation · not performance
On arrival
As composed
Equities · 35%Fixed income · 55%Cash · 10%
BAFAOS · PORTFOLIO COMPOSERSPECIMEN
RISK · CAPACITY
38/39
COMPOSED · IN RANGE
SLEEVES · AS COMPOSED
Equities35%
Fixed income55%
Cash10%
· 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
Everything,findable.
BENEFICIARY AUDIT
11 OF 11 · CURRENT
HIPAA RELEASE
RE-SIGNED · APR
TRUSTED CONTACTS
FILED · 3 OF 3
Her daughter joins the annual review — consent on file.
2019The consolidation.Three institutions instead of seven; a one-page map of where everything lives, filed and shared.
2021The estate, settled.Her husband’s accounts retitled, the step-up audited, nothing left dangling.
2023The protocol.The hardest conversation, had early and written down — who calls whom, and when.
2025The stale form.The annual beneficiary audit caught one designation naming her late husband. Fixed in nine days.
2026Folio Vol. VII bound.A record her daughter has already read — so nothing will need reconstructing.
· The watching
Household health score · desk-initiated
85
STEADY
→
77 ▾
THE DIP
→
88 ▴
RECOVERED
One day, between meetings —
We noticed the HIPAA release was 90 days from lapsing under the custodian’s refresh rule.
The answer Flagged early, re-signed at the spring review — no gap, no scramble, noted in the file.
It surfaced at a desk reading — as Document Completeness, 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.
The folio is the letter her family will never have to reconstruct.
· 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 ·
