Spending +42% in March — $28,400 large outflow detected. Likely tuition payment or home improvement. Consider confirming with client.
Debt & Liabilities
-$1.23M
Primary Mortgage Mortgage
3.25% fixed · Payoff in 2038 · Chase
$764,200
HELOC HELOC
7.9% variable · Open balance · Wells Fargo
$342,000
Auto Loan — Tesla Auto
5.4% fixed · Payoff in 2027 · US Bank
$51,800
Held-Away Assets
$1.99M
Account
Owner
Type
Est. Value
Employer 401(k)
Richard (Google)
401(k)
$1,140,000
Vested RSUs
Sandra (Salesforce)
Equity
$487,300
529 Plan — Emma
Joint
529
$218,400
529 Plan — Tyler
Joint
529
$142,600
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Held-away assets are self-reported or imported from employer portals. In production, LedgerHouse syncs these automatically where APIs are available.
Life Events & Signals
Daughter started college — 529 drawdown began
Sep 2025
Emma enrolled at UNC Chapel Hill. 529 plan (Emma) began distributions in September. At current drawdown rate, plan covers ~3.2 years of projected tuition. Consider reviewing Tyler's plan contribution pace.
Review 529 plan
Spouse received RSU vest — concentration risk increased
Mar 2026
Sandra vested 3,200 Salesforce shares ($487K). SFDC now represents 10% of total household assets. Diversification conversation warranted — this is the February spending anomaly source.
⚠ Review concentration
Inherited assets deposited — likely source of cash spike
Apr 2026
Cash position increased $142K in April — no corresponding spending or investment activity. Pattern consistent with an inheritance or estate distribution. Confirm with client before end of month.
Confirm with client
Refinance window opens in 6 months at current rates
Nov 2026 · upcoming
Current mortgage rate 3.25% (locked 2020). If 30-year rates fall below 5.8% by November, a cash-out refinance becomes worth modeling against the 7.9% HELOC. Set a rate alert.