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 COMPOSERSPECIMEN
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 ·
BAFAOS · CLIENT PORTALSPECIMEN · FICTIONAL · AUG MMXXVI
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
81
STEADY
→
72 ▾
THE DIP
→
84 ▴
RECOVERED
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.
· 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 ·
