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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

Pre-Retiree — a client journey.

· Example household · fictional ·

Rob & Elena Marsh — retirement dated five years out, and one honest question: does it actually hold?

Ages
58 · 57
Came to us
2021
Under care
$1.9M
Folio
Vol. V

· The arrival

They didn’t need convincing to save — they needed to know whether 62 was a date or a wish. The plan of record answered it with arithmetic instead of reassurance: the withdrawal policy written, the glidepath scheduled, the tax ladder mapped, and the storm plan signed while skies were clear.

· The plan, composed

·A written withdrawal policy — what gets sold, in what order, in any weather.
·The glidepath: 70/30 stepping to 55/40/5 by the retirement date.
·A Roth conversion ladder mapped against the bracket, year by year.
·The long-term-care decision made deliberately — self-insure, with the sleeve funded and labeled.

· The portfolio, composed ·

Allocation · not performance
On arrival
As composed
Equities · 55%Fixed income · 40%Cash · 5%
BAFAOS · PORTFOLIO COMPOSER SPECIMEN
RISK · CAPACITY
52 / 54
COMPOSED · IN RANGE
SLEEVES · AS COMPOSED
Equities55%
Fixed income40%
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

2021The plan of record.Goals, cash flow, and the honest cone — 62 confirmed in writing, with its conditions.
2022The drawdown year.Markets fell hard. The policy held; nothing was sold at the bottom — and the conversion executed in the dip.
2023The pension election.Single-life vs. joint, decided on the math and recorded with it.
2025The date, in ink.Resignation letters drafted; the paycheck-replacement schedule signed.
2026Folio Vol. V bound.The last working-years volume. The next one opens in retirement.

· The watching

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

We noticed  the 2022 drawdown pulled the funded ratio below its comfort band.

The answer  No forced action — the written policy already answered it. Shown plainly, held to, and recovered without a panic sale.

It surfaced at a desk reading — as Goal Probability, 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 plan for the storm was written on a clear day. That is why it held.

· 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 ·