$312K cash accumulating across checking + HYSA — 47 days idle. Cash position grew 28% in 6 weeks with no corresponding investment or spending activity. Possible inheritance or employer bonus.

Held-away 401(k) from previous employer rolled over last week — $284K now sitting in a money market inside the IRA. Allocation decision needed before month-end to avoid 60-day window risk.

HELOC balance up 38% month-over-month — from $88K to $121K. Combined with a stable primary mortgage, total debt-to-asset ratio crossed 22%. Pattern suggests home renovation drawdown. Conversation warranted.

Large deposit ($418K) + new joint account opened in the same week. No prior activity pattern matches this — consistent with inheritance or estate settlement. Recommend confirming beneficiary designation review.

RSU vest scheduled in 14 days — 4,200 shares at current price represents $192K. Employer equity now 13.4% of total household assets. Pre-vest diversification plan should be in place.

Twin children entering college August 2026 — 529 plans cover approximately 2.1 years combined at current distribution rates. Gap exists. Supplemental funding or loan strategy conversation should begin now.

Priya turns 72 next week — required minimum distribution planning needed. First RMD year, $1.14M across two IRAs. Consider whether QCD strategy applies before distribution is triggered.

Mortgage rate 3.25% locked 2020 — if 30-year rates dip below 5.8% by November, a cash-out refinance to retire the 7.9% HELOC becomes net-positive. Rate alert is unset. Worth flagging proactively.