A clear view of the actions taken across your accounts, what they accomplished, and what no longer required your attention.
Every action taken across your 7 accounts over the past 12 months. No interpretation - just the activity.
Derived from actual dividends, interest, and distributions received - showing what asset classes were actively generating income in your portfolio. Toggle period for snapshot view or scroll the timeline below.
Portfolio value and asset allocation as reported by Schwab. All Time view through late February 2026. Chart curves read from Schwab interface.
Source: Schwab portfolio reporting · All Time view · Asset allocation and returns per Schwab
Converting portfolio activity into meaningful outcomes across four dimensions of advisory value.
Active repositioning across 7 accounts ensured no single holding dominated your exposure. Trades were coordinated to maintain diversification as markets shifted through a volatile 12-month period.
Dividends, bond interest, and distributions were systematically collected across equity, fixed income, and mutual fund positions - turning holdings into active cash flow across all 7 accounts.
Wire disbursements, bank sweeps, and money market allocations ensured liquidity was preserved when needed without sacrificing return on idle cash throughout the year.
987 trades across 7 accounts kept allocations aligned through equity, fixed income, and alternative adjustments. The portfolio did not drift - it was actively steered through every market condition.
The value is not just in what happened. It is in what you never had to think about.
No need to monitor markets to determine when to rebalance or reposition
No need to coordinate decisions across 7 separate accounts simultaneously
No reactive rebalancing required during periods of market volatility
No need to track 3,929 individual transactions across accounts and asset types
No income missed - dividends, interest, and distributions captured across all positions
No need to reassess allocation as markets evolved throughout the year
The work that shows up as the absence of problems.
Active trading prevented any single position from dominating exposure across your accounts.
Repositioning during volatile periods kept downside exposure within acceptable ranges.
$195,154 in income captured with no gaps - no missed dividends, no idle cash left undeployed.
987 trades kept your portfolio anchored to its target structure through an active year of market movement.
The work inside your portfolio accounts for a fraction of the total value delivered. These are the planning decisions that compound quietly over time.
Every trade was evaluated in the context of your full tax picture - account type, holding periods, and gain/loss positioning - before execution. The result is a portfolio that earns without creating unnecessary tax drag.
Your portfolio is held across individual IRAs, a SEP IRA, a living trust, a revocable trust, and an LLC. Coordinating distributions, contributions, and rebalancing across all entities requires a level of oversight most advisors do not offer.
Income was designed to arrive consistently across the year - not lumped into year-end. Dividends, bond interest, and fund distributions were positioned to support your cash flow needs without forcing liquidations at inopportune times.
Capital was rotated out of underperforming or overexposed positions - UNH, V, TMO, HD - and into income-producing and growth-oriented alternatives. These are judgment calls that require conviction and ongoing research, not passive maintenance.
A deliberate shift toward tax-advantaged fixed income was executed across multiple accounts - Seattle, Mississippi, Louisiana, and Wisconsin municipal bonds alongside U.S. Treasury positions. This structure provides predictable income with favorable tax treatment.
Multiple large wire disbursements were processed and coordinated across accounts throughout the year. Your money moved when you needed it to move - without disrupting your investment positioning or triggering unnecessary tax events.
Positions sold at a loss were paired with replacement buys to preserve market exposure while capturing losses to offset gains. These moves don't show up in return figures - but they show up on your tax return.
| Period | Account | Securities Sold | Est. Gains Offset | 20% LTCG Tax Savings |
|---|---|---|---|---|
| May 15, 2025 | Kayamanan Trust 1878 | TMO, PEP, UNH | $41,533 | $8,307 |
| May 15, 2025 | Ruby SEP IRA 1438 | DASH, V, CASY | $18,241 | $3,648 |
| Jun 11, 2025 | Kayamanan Trust 1878 | NKE | $314 | $63 |
| Aug 21, 2025 | Rich IRA 7523 | VTV, IEMG, VNQ | $26,007 | $5,201 |
| Jan 5, 2026 | Rich IRA 7523 | VOO, IJR | $351,331 | $70,266 |
| Jan 7, 2026 | Red Truck 1792 | SONVY, SBUX, AAGIY | $32,947 | $6,589 |
| Total | $470,373 | $94,075 | ||
Gains offset figures use sell proceeds as a proxy. Actual realized gains depend on cost basis. Tax savings estimate assumes all gains are long-term and subject to 20% federal capital gains rate. Consult your tax advisor for precise figures.
Quarterly value is ongoing work, not annual batching. Here is what happened in Q1 alone.
| Service | Traditional Advisor | Wealth Vision |
|---|---|---|
| Portfolio management | ||
| Financial planning | Sometimes | |
| Tax coordination with CPA | Sometimes | Annual + Ongoing |
| Business exit planning | ||
| Trust structure oversight | ||
| Custom reporting & estate mapping | Sometimes | |
| On-demand Q&A & article review | ||
| Alternative investment tracking | ||
| Charitable strategy modeling | Sometimes | |
| 16-year relationship & context | ||
| Typical annual cost on $10M AUM |
0.75% - 1.00%
$73K - $98K/year
|
0.45%
~$44K/year
|
A one-page summary of every category of action taken and what it produced.