Investment Proposal

Core Growth 80/20

We propose the Core Growth 80/20 model to help you achieve your growth objectives while minimizing single-stock risk. This model aims to balance your portfolio and prepare you for retirement in 12 years. Our approach includes a tax-aware transition plan to minimize surprise tax bills.

Advisory fee: 0.85% of assets under management, billed quarterly.

What This Is Designed To Do

• Achieve growth with reduced single-stock risk
• Prepare for retirement in 12 years
• Minimize surprise tax bills
• Optimize portfolio balance

The Proposed Model

The Core Growth 80/20 model is designed to fit your objectives by allocating 80% of your portfolio to growth-oriented investments and 20% to more conservative holdings. This model will help reduce your exposure to individual stocks, such as INITECH LTD COM and GLOBEX CORP COM, which currently make up 36% and 30% of your portfolio, respectively. By rebalancing your portfolio, we can better align it with your growth goals and risk tolerance, while also considering tax implications to minimize unexpected tax bills.

Getting From Here to There

To implement the proposed model, we will execute a staged transition plan that takes into account tax implications. We will sell 275 shares of INITECH LTD COM, realizing a gain of approximately $15,000, and 50 shares of GLOBEX CORP COM, harvesting a loss of around $5,000. We will then use the proceeds to buy $57,500 worth of VTI, a new holding, and $2,400 worth of ACME INDUSTRIES INC COM to adjust its allocation. This plan will be executed in a tax-aware manner to minimize surprise tax bills and ensure a smooth transition to the proposed model.