2025-10-18 Groupings for Financial Advisor Meeting

Key Metrics Total Allocation: ~97.60% (rounding or minor unlisted holdings). Income: ~$40K–50K/year, meeting retirement goal. Risk Profile: Balanced (24.48% low-risk, 39.39% moderate, 33.73% growth-oriented). Diversification: Strong across asset classes, sectors, and regions (U.S., EM, Japan). Recommendations Hold Structure: Maintain Cash/Bonds (24.48%) for stability, Equity/Index (39.39%) for growth, Stocks/LMT (33.73%) for upside/income. Monitor Risks: Sell VWOB if NAV < $60 (5–10% loss), INTC below $20 (~$2,000–$5,000 tax-loss), TEMWX if return <5%, per downgrade/tariffs (Morningstar). Rebalance: Trim Phoenix (PLTR, TSLA, INTC) to 10–15% if >20%, shift to VMFXX (5.0%) for ~$42K–52K income. Planner Discussion Review allocations for overlap (e.g., VTI vs. Large Cap Indx). Assess VWOB/TEMWX tariff risks (30–40%) and INTC tax-loss strategy. Confirm income (~$40K–50K) and BRICS/tech giants’ financial ties (Reuters). Groupings Category Holdings Total Allocation Purpose Cash Equivalents VMFXX (0.90%), FMFXX (0.09%), USTEX (1.16%), SWVXX (4.76%) ~6.91% Liquidity, stability (~$3,500–5,000/year) Bond Funds VBIL (8.19%), VCLT (0.59%), VCRB (7.89%), VWOB (0.51%), VCIT (0.39%) ~17.57% Income, diversification (~$7,500–10,000/year) Equity Funds VIGAX (4.89%), VYMI (0.42%), VTI (4.56%), TEMWX (2.70%), USAIX (2.97%), SCHD (0.56%) ~16.10% Growth, income (~$2,500–4,000/year) Index/Target Date Funds 2025 Target (13.00%), Large Cap Indx (5.89%), SmallMid Cap Indx (4.40%) ~23.29% Broad market growth (~8–12% return) Individual Stocks BAC (0.40%), PLTR (1.39%), T (1.69%), BA (0.67%), AAPL (0.72%), CCJ (0.34%), F (0.09%), INTC (1.26%), JNJ (0.79%), MSFT (7.22%), OGE (0.23%), PFE (0.36%), MTSUY (0.47%), SSUMY (0.46%), TSLA (1.11%), VZ (0.12%), WMT (0.92%), XOM (0.57%) ~18.81% Growth, income (~$5,000–7,000/year) Lockheed Martin (LMT) ESOP (10.66%), Company Common Stock (4.26%) ~14.92% Stability, income (~$4,200/year)