Risk Profile
Growth
intermediate
Could tolerate a 20-25% drawdown without changing strategy
Preferences
Your Goals
4 goalsRetirement by 60
primary$2M–$3M
22 years
$2,500
Both spouses contributing to employer plans with match. Want to maintain current lifestyle.
Children's College Fund
primary$200K–$300K
13 years
$800
Two children, ages 5 and 7. Prefer in-state public university as baseline, private as stretch.
Home Renovation
secondary$80K–$120K
2 years
$3,000
Kitchen and bathroom remodel. May partially finance.
Emergency Fund Top-Up
secondary$50K–$60K
1 year
$1,500
Currently at ~$45K, want 6 months of expenses.
These are starting-point suggestions — your advisor will help you prioritize and sequence these goals to fit comfortably within your budget.
Connect Your Accounts
0 of 5 linkedAllocation Comparison
Current
Target
Connect your accounts below to see how your current allocation compares to the target
Link your 401(k) to include employer retirement savings
Your 401(k) is a key part of your retirement plan. Linking it helps your advisor see the full picture.
Connect your brokerage account for investment analysis
Your taxable brokerage holdings affect asset allocation and tax-loss harvesting opportunities.
Link your IRA for complete retirement view
Including your IRA allows coordinated asset location across tax-advantaged accounts.
Connect your savings account
Helps your advisor see your emergency fund and short-term liquidity.
Link your mortgage for net worth tracking
Including your mortgage gives a complete picture of assets and liabilities.
Draft Investment Policy Statement
Draft Investment Policy Statement
Client Overview
This Investment Policy Statement (IPS) is prepared for a mid-career dual-income household (ages 35-40) with two dependents. The household has stable employment, investable assets in the $500K–$750K range, and a monthly savings capacity of $3,000–$4,000.
Investment Objectives
Primary Objectives
- Retirement: Accumulate $2M–$3M by age 60 (22-year horizon) to maintain current lifestyle
- Education: Fund $200K–$300K for two children's college education (13-year horizon)
Secondary Objectives
- Home Renovation: Accumulate $80K–$120K within 2 years for kitchen and bathroom remodel
- Emergency Fund: Top up existing reserves to 6 months of household expenses (~$60K)
Risk Profile
Risk Score: 7/10 (Growth)
The household's long time horizon, stable dual income, and demonstrated comfort with market volatility support a growth-oriented allocation. Near-term goals require maintaining adequate liquidity reserves outside the core portfolio.
Loss Tolerance: Comfortable with 20-25% portfolio drawdown without changing long-term strategy.
Asset Allocation
| Asset Class | Target | Range |
|---|---|---|
| Equities | 75% | 65–80% |
| Fixed Income | 15% | 10–25% |
| Cash & Equivalents | 5% | 3–10% |
| Alternatives | 5% | 0–10% |
Equity Sub-Allocation
- US Large Cap: 40%
- US Small/Mid Cap: 10%
- International Developed: 15%
- Emerging Markets: 10%
Investment Constraints
Preferences
- ESG-tilted strategies where available without significant tracking error
- Exclusions: tobacco and firearms manufacturers
Tax Considerations
- Maximize tax-advantaged account contributions (401k, IRA, HSA, 529)
- Tax-loss harvesting in taxable brokerage account
- Coordinate with client's CPA on annual tax strategy
Liquidity Requirements
- Maintain 6-month emergency fund outside investment portfolio
- Home renovation funding within 2 years (consider short-duration allocation)
Monitoring & Review
- Rebalancing: Semi-annual or when any asset class drifts >5% from target
- Review Frequency: Quarterly meetings (video preferred)
- Review Triggers: Job change, third child, inheritance event
- Reporting: Monthly statements, quarterly performance review
Communication Plan
- Quarterly video calls with both spouses present
- Email for urgent matters
- Visual-first communication style preferred
- Coordination with existing CPA and estate attorney
This is a draft document prepared from the onboarding interview. It will be reviewed and finalized by your advisor at your first meeting.