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TD Financial Management Wealth Infrastructure

Client: —

Executive Summary

Client, this Wealth Infrastructure plan is designed to help you move from holding money to building a system that creates security, clarity, and long-term wealth.

What We're Building

Security & Safety Net: A cash system that protects your business and personal finances.
Retirement Planning: A structured strategy designed for consistency and long-term compounding.
Wealth Expansion: Diversified income and investments aligned with your goals.

Client Goals

Immediate Action Items

No additional action at this time

Preparation

All items cleared

Completed Work

Completed

Created HYSA
Got a life insurance policy
Diversified 401k assets

Deliverables

Upcoming Deliverables

None

Next Steps

Phase I: Financial Infrastructure Build™

COMPLETED

One-Time Engagement (Completed)

This phase established the foundation of your financial life. Phase I has been successfully completed.

Scope of Work Completed

Investment account setup & platform education
Roth IRA & retirement strategy (401(k) allocations & distributions)
High-yield savings & cash management strategy
Life insurance review & alignment with long-term goals
Risk tolerance & investment behavior analysis
Trade education: buying, selling, and performance review
Personalized goal-based financial roadmap

Timeline: 2–4 weeks
Investment: $1,250
(Included onboarding sessions and hands-on setup support)

Phase II: Ongoing Financial Management

Optional

After Phase I is complete, clients may choose ongoing support by selecting one of the tiers below.

Management Tiers

No ongoing support at this time

Proceed with Phase I only. You can add ongoing management after Phase I is complete.

Foundation Financial Management — $250/month

Structured oversight for independent operators.

Strategic Wealth Management — $450/month (Recommended)

Personalized strategy with collaborative decision support.

Private Financial Management — $750+/month

White-glove, hands-on financial management.

Contact Tabitha to discuss which ongoing management tier best suits your financial goals and needs.

Investment Proposal

Important Disclosure

The information provided is strictly for educational and informational purposes and should not be construed as financial, investment, tax, or legal advice. I am not a licensed financial advisor. Portfolio examples and allocation ranges are illustrative only and are designed to support informed discussions and decision-making.

Roth IRA Asset Allocation

Because Roth IRAs grow tax-free, they are often used to house higher-growth assets. The focus is less on income today and more on maximizing long-term compounding.

Total Roth IRA Contribution

$7,500

Technology – 40% FULLY ALLOCATED

$3,000

Allocated to: MSFT, AAPL, NVDA

Growth ETF – 30% PARTIAL

$2,250

Allocated

$629

Remaining

$1,621

Allocated to: VOO

Healthcare – 15% FULLY ALLOCATED

$1,125

Allocated to: UNH

REITs – 5% PENDING

$375

Pending allocation

Bonds – 10% FULLY ALLOCATED

$750

Allocated to: LQD

Total Allocated

$5,504

Remaining to Allocate

$1,996

Insurance Policies

RECOMMENDED

CLIENT SELECTED

Whole Life Insurance

Foresters AP Whole Life - PUA

Death Benefit

$218,847

Monthly Payment

$337.00/mo

Permanent Protection

Whole Life = coverage for life (permanent protection)

Paid-Up Additions (PUA)

Dividend option: PUA = dividends buy more insurance + more cash value over time

Living Benefits

Can use some money early if seriously sick (chronic/critical/terminal illness)

Accident Bonus

Extra $300,000 if death happens on public travel (plane/train)

Disability Help

If totally disabled, Foresters can pay the premiums (rider ends at age 65)

Foresters AP Whole Life PUA Policy Illustration

This policy provides Tyra with comprehensive life insurance protection while building cash value and offering flexibility through living benefits.

Client Dashboard

Your complete financial position at a glance.

Total Net Worth

$276,347

Risk Profile

Moderate

Roth IRA

$7,500

● Tech 40% ● Growth 30% ● Health 15% ● REITs 5% ● Bonds 10%

$5,504 allocated · $1,996 pending

High-Yield Savings

$50,000

Annual Yield 4.25% APY

Projected Annual Income $2,125

FDIC insured · Liquidity reserved

Life Insurance

$218,847

Policy Type Whole Life PUA

Death Benefit $218,847

Cash Value $9,800

Foresters · Premium: $337/mo

Risk Profile Assessment

Time Horizon

20+ Years

Risk Tolerance

Moderate

Liquidity Need

High

Estimated Net Worth Projection

Projected growth based on assumed annual returns. Actual returns will vary.

5 Years

$83,124

Roth IRA

$13,194

HYSA

$61,776

Life Ins

$8,154

+$1,312 (+61.7%)

10 Years

$124,211

Roth IRA

$22,838

HYSA

$76,047

Life Ins

$25,326

+$89,864 (+261.9%)

15 Years

$180,347

Roth IRA

$39,560

HYSA

$93,946

Life Ins

$46,841

+$146,000 (+425.4%)

Assumptions

● Tech (AAPL, MSFT, NVDA): 15%

● Growth (VOO): 10%

● Healthcare (UNH): 9%

● REITs (O, VNQ): 8%

● Bonds (LQD): 4.5%

● HYSA: 4.25%

● Life Insurance: 5%

Projected Annual Income

Estimated annual income from your investments at different time horizons.

Current Annual Income

$2,125/yr

HYSA (4.25% on $50,000)

5 Years

$2,890/yr

Roth IRA $143/yr

HYSA $2,747/yr

+$765 (+36.0%)

10 Years

$4,308/yr

Roth IRA $183/yr

HYSA $4,125/yr

+$2,183 (+102.7%)

15 Years

$6,673/yr

Roth IRA $233/yr

HYSA $6,440/yr

+$4,548 (+214.0%)

Dividend Yields Used

● AAPL (Apple): 0.5%

● MSFT (Microsoft): 0.7%

● NVDA (NVIDIA): 0.03%

● VOO: 1.4%

● UNH (Healthcare): 1.4%

● O (REIT): 5.5%

● VNQ (REITs): 4.0%

● LQD (Bonds): 4.8%

● HYSA: 4.25%

Roth IRA withdrawals are tax-free in retirement. HYSA withdrawals are always accessible.