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Immediate Action Items

Preparation

• Gather insurance policy documentation for review
• 401K log in credentials

Completed

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.

Stock Blend

At higher income levels, the goal shifts from chasing returns to protecting, structuring, and sustaining wealth. Each allocation plays a distinct role in growth, income, defense, and stability so no single market event controls the outcome.

• Technology – 15%
  Growth exposure (innovation, long-term upside)
• Healthcare – 15%
  Defensive sector (essential services, recession-resistant)
• Dividend Stocks – 20%
  Income + stability (cash flow focus)
• REITs – 10%
  Real asset exposure (income + inflation hedge)
• Bonds – 40%
  Capital preservation (volatility reduction)

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.

• Technology – 40%
  Primary growth engine (innovation, long-term compounding)
• Broad Market / Growth Equities – 30%
  Diversified equity exposure for consistent growth
• Healthcare (growth-leaning) – 15%
  Innovation + defensive balance over long horizons
• REITs – 5%
  Growth-oriented real estate exposure (limited due to tax efficiency)
• Bonds – 10%
  Stability buffer, typically lower than taxable accounts

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