PRIVATE WEALTH · HOUSEHOLD 018473

Planning Overview

Household intelligence is ready for advisor review.

214 facts extracted · 196 verified · 11 assumptions · 7 require confirmation

94%DATA CONFIDENCE

NET WORTH$18.4M

Across 17 assets & accounts

INVESTABLE ASSETS$6.2M

34% of household net worth

BUSINESS VALUE$11.8–14.6M

Planning estimate · 5.4–6.7× EBITDA

PLAN CONFIDENCE86%

Includes healthcare + LTC risk

INTENTIONAL INTELLIGENCE

Decisions that matter

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Business exit timingHIGH IMPACT

Retiring at 57 requires approximately $13.8M of net sale proceeds to maintain a 90% target confidence level.

BusinessTaxRetirement

Pre-LOI tax planning windowREVIEW

Current ownership and charitable goals create planning opportunities that may become unavailable once a transaction is substantially certain.

TaxEstateLegacy

Portfolio location inefficiencyOPPORTUNITY

Approximately $740K of tax-inefficient income-producing assets may be better located in tax-deferred accounts.

InvestmentTax

WEALTH IDENTITY

How this client decides

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TYPE8SELF-PRES

Primary driverControl + Autonomy

Decision styleFast · Conviction-led

Financial strengthDecisiveness

Watch areaFamiliarity bias

ADVISOR INSIGHT

Financial capacity for private investments is high, but this profile may resist strategies where control and visibility are reduced. Lead with downside mechanics, governance and liquidity before expected return.

CONNECTED ANALYSIS

Planning engines

Last analysis · Today 2:41 PM

Wealth Identity3 behavioral considerations→ Business + Exit$11.8–14.6M range→ Tax-Aware Portfolio$740K location opportunity→ Retirement + Monte Carlo86% confidence→

PROPRIETARY ENGINE 01

Household Intelligence

The financial digital twin. Every verified fact, entity, account and relationship used throughout the plan.

PEOPLE

James MorganAge 54 · Business Owner

Mary MorganAge 52 · Executive

ENTITIES

Morgan Mechanical, LLC82% ownership

Morgan Family TrustRevocable

Morgan Holdings, LLCReal Estate

HOUSEHOLD DATA

214Extracted facts

196Verified

7Need confirmation

BALANCE SHEET

Current position

$18,420,000

AssetOwnerTypeValueSource

Morgan MechanicalJamesBusiness$12,800,0002025 1120-S

RJ Joint BrokerageJointTaxable$2,840,000RJ Statement

James Traditional IRAJamesTax Deferred$1,420,000RJ Statement

Mary Roth IRAMaryTax Free$680,000RJ Statement

Cash + OtherJointLiquid$680,000Questionnaire

DOCUMENT INTELLIGENCE

From documents to verified facts.

Every planning fact retains its source, date, confidence and verification status.

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Upload client documents

Raymond James statements · Tax returns · Trusts · Insurance · Business documents

DocumentTypeFactsConfidenceStatus

RJ_Statement_August.pdfInvestment8499%VERIFIED

2025_1040.pdfTax6197%VERIFIED

Morgan_Family_Trust.pdfEstate3293%REVIEW

Wealth_Identity.pdfIdentity18100%VERIFIED

Operating_Agreement.pdfBusiness1989%REVIEW

PROPRIETARY ENGINE 02

Wealth Identity

Turning how the client is wired into actionable planning, education and implementation guidance.

TYPE8Self-Preservation

Instinctive Center92

Thinking Center68

Feeling Center44

INVESTMENT STRENGTHS

Conviction under pressure

May be better equipped to maintain a strategy during volatility once the rationale is understood.

Decisive implementation

Once trust and understanding are established, this client is likely to move efficiently from decision to action.

Independent thinking

Comfortable evaluating opportunities independently of consensus when the underlying case is compelling.

POTENTIAL BLIND SPOTS

Familiarity may feel like safety

Assets the client understands or controls may feel less risky even when economic concentration is greater.

Control bias

Illiquid strategies with limited transparency may create more behavioral friction than portfolio capacity suggests.

Speed before exploration

Decisiveness can shorten the exploration phase of complex tax, estate or investment decisions.

PRODUCT EDUCATION

Public EquitiesExisting familiarityLOW

Private CreditLiquidity · Underwriting · ValuationHIGH

Private EquityCapital calls · Control · Exit uncertaintyHIGH

Municipal BondsTax equivalent yield · CreditMED

ADVISOR PLAYBOOK

Lead with control, downside and mechanics.

Avoid beginning with expected return when discussing unfamiliar investments. Establish what the client controls, what they do not control, how liquidity works, what happens when the investment underperforms and how the manager is held accountable. Then move to expected return and portfolio role.

PROPRIETARY ENGINE 03

Business Value + Exit

A planning valuation using normalized financials, traditional valuation methodologies and current transaction conditions.

NORMALIZED EBITDA$2.18M

2025 adjusted operating results

INDICATED MULTIPLE5.4–6.7×

Current planning range

ESTIMATED ENTERPRISE VALUE$11.8–14.6M

Planning estimate · not an appraisal

VALUATION DRIVERS

Recurring RevenuePositive

Revenue GrowthPositive

Customer ConcentrationNeutral

Owner DependenceDiscount

Management DepthDiscount

EXIT READINESS

71/100

Planning window is open.

Several value and tax planning opportunities are more actionable before a transaction becomes imminent.

Primary planning issue

Owner dependency may affect both valuation and the feasibility of James exiting immediately after closing.

PROPRIETARY ENGINE 04

Tax-Aware Portfolio + Asset Location

The investment strategy remains advisor-driven. The engine determines where each position may work most efficiently.

PORTFOLIO$6.2M

Taxable, IRA and Roth

EST. TAX DRAG0.71%

Current location estimate

LOCATION OPPORTUNITY$740K

Assets identified for review

EST. ANNUAL TAX SAVINGS$18.6K

Illustrative planning estimate

PositionCurrentPreferredTax CharacterAction

Private Credit FundTaxableTraditional IRAOrdinary incomeREVIEW

Municipal BondsTaxableTaxableTax exemptKEEP

US Growth EquityRothRothHigh expected growthKEEP

Direct IndexingTaxableTaxableLoss harvestingKEEP

REIT FundTaxableTraditional IRAIncome-heavyREVIEW

CROSS-ENGINE OBSERVATION

Tax efficiency and estate planning point in the same direction.

Moving income-heavy assets toward tax-deferred accounts may allow more tax-efficient, highly appreciated equity exposure to remain in taxable accounts where charitable gifting, tax-loss harvesting and future basis planning remain available.

SUPPORTING ENGINE

Retirement + Monte Carlo

10,000 simulated financial lives incorporating markets, inflation, longevity, healthcare and long-term care uncertainty.

86%PLAN CONFIDENCE

CURRENT PLAN

Retire at 57

Current assumptions provide strong funding capacity, but healthcare, long-term care and business-sale proceeds are the largest variables affecting outcomes.

Median estate$16.8M

10th percentile estate$3.9M

Target sale proceeds$13.8M

WHAT CHANGES THE OUTCOME?

Base financial planExpected healthcare only

94%

Healthcare shocksUnexpected medical events included

89%

Healthcare + LTCStochastic LTC onset, duration and severity

86%

Business sells for $10M netBelow current target proceeds

72%

HEALTHCARE MODEL

Baseline annual healthcare$24,000

Healthcare inflation5.0%

Unexpected eventsStochastic

LTC onsetStochastic

LTC durationStochastic

PLAN SENSITIVITY

Business sale proceedsHIGH

Retirement dateMEDIUM

Healthcare / LTCMEDIUM

Portfolio returnMEDIUM

InflationLOW

THE INTENTIONAL WAY

Decisions That Matter

The plan organized around decisions rather than financial-planning categories.

HIGH IMPACT

When should James exit the business?

The current retirement goal is financially achievable, but transaction value, pre-sale tax planning and James's transition away from the company are tightly connected.

FINANCIAL86% confidence

At current assumptions and targeted sale proceeds.

BUSINESS$13.8M target

Approximate net proceeds required for 90% target confidence.

TAXPre-LOI window

Several strategies require evaluation before a transaction becomes imminent.

WEALTH IDENTITYIdentity friction

Control and autonomy may make the transition harder than the financial model suggests.

QUESTION FOR THE NEXT MEETINGIf the financial plan showed that you never needed to work another day, what would you actually want your relationship with the business to become?

02How should the sale be structured?Tax · Business · Estate · Legacy→

03How much wealth should remain liquid?Investment · Risk · Wealth Identity→

04What should ultimately pass to the children?Estate · Legacy · Tax→

05What role should philanthropy play before the sale?Tax · Legacy · Wealth Identity→

HUMAN REVIEW

Advisor Approval

AI proposes. Engines calculate. The advisor decides what becomes advice.

12Planning observations

5Major decisions

7Facts to confirm

3Specialist reviews

✓

Business valuation rangeApprove $11.8M–$14.6M as planning range.

APPROVED

Charitable pre-sale strategyReview timing, appreciated-interest contribution and transaction status with tax/legal counsel.

REVIEW

Private credit asset locationEvaluate IRA capacity and implementation constraints before recommendation.