Liquidity event planner
The valuation tells you what the business is worth. This tells you what the money becomes — allocate capital across goals, build a real portfolio from Conservative / Balanced / Growth / Aggressive models (ticker-level holdings), see estimated income month by month, and stress-test whether the life you want survives a bad market. Everything is editable and saves privately to your device.
Wealth Command Center
Plan capital, portfolio, and cash flow in one place
NET CAPITAL$7.00M
PORTFOLIO$3.15M
INCOME / MO$6,247
SPENDING / MO$8,000
SURPLUS / MO-$1,753
01Starting capital
How much you have to work with, after taxes and transaction costs
Gross capital$10.00M
Estimated taxes & costs30%
Selling a business, exercising equity, or receiving an inheritance all carry different tax treatment. Set this to your situation, or 0% if the capital is already after-tax.
$7.00M net investable$3.00M to taxes & costs
02Wealth allocation
Divide net capital across the major uses of wealth. Lock any category, then normalize the rest to 100%.
100.0% allocated
Investment Portfolio
Income-producing securities, detailed below
45.0%
$3.15M
Real Estate
Homes and investment property
25.0%
$1.75M
Planned: $1.00Mcovered · $750.0K spare
Cash Reserves
Property carrying costs and emergency fund
8.0%
$560.0K
Planned: $110.0Kcovered · $450.0K spare
Family Gifting
Gifts and support for family members
8.0%
$560.0K
Charitable Giving
Philanthropic commitments
5.0%
$350.0K
Personal Property
Vehicles, collectibles, and other personal assets
4.0%
$280.0K
Private Ventures
Angel investments and side businesses
5.0%
$350.0K
Planned amounts come from section 05. The Investment Portfolio amount flows into section 03.
03Investment portfolio · $3.15M
Your income-producing securities. Start from a model, then adjust asset classes and holdings.
Allocated
100.0%
Expected return
6.4%
Distribution yield
2.97%
Est. income
$93,706/yr
Severe-market stress
-34%
US Large Cap30.0%$945.0Kexp ret100%
| HOLDING | % OF SLEEVE | % OF PORTFOLIO | TARGET $ | YIELD % | INCOME / YR | PAYS | |
|---|---|---|---|---|---|---|---|
| VOO | 18.00% | $567,000 | $6,804 | ||||
| SCHD | 7.50% | $236,250 | $8,033 | ||||
| QQQM | 4.50% | $141,750 | $851 |
US Small & Mid Cap10.0%$315.0Kexp ret100%
| HOLDING | % OF SLEEVE | % OF PORTFOLIO | TARGET $ | YIELD % | INCOME / YR | PAYS | |
|---|---|---|---|---|---|---|---|
| VO | 5.00% | $157,500 | $2,363 | ||||
| AVUV | 5.00% | $157,500 | $2,678 |
International Developed12.0%$378.0Kexp ret100%
| HOLDING | % OF SLEEVE | % OF PORTFOLIO | TARGET $ | YIELD % | INCOME / YR | PAYS | |
|---|---|---|---|---|---|---|---|
| VEA | 8.40% | $264,600 | $7,938 | ||||
| AVDV | 3.60% | $113,400 | $3,742 |
Emerging Markets8.0%$252.0Kexp ret100%
| HOLDING | % OF SLEEVE | % OF PORTFOLIO | TARGET $ | YIELD % | INCOME / YR | PAYS | |
|---|---|---|---|---|---|---|---|
| VWO | 8.00% | $252,000 | $8,316 |
Core Bonds20.0%$630.0Kexp ret100%
| HOLDING | % OF SLEEVE | % OF PORTFOLIO | TARGET $ | YIELD % | INCOME / YR | PAYS | |
|---|---|---|---|---|---|---|---|
| BND | 10.00% | $315,000 | $13,860 | ||||
| VCIT | 5.00% | $157,500 | $7,718 | ||||
| VGIT | 5.00% | $157,500 | $6,615 |
Short-Term & Cash10.0%$315.0Kexp ret100%
| HOLDING | % OF SLEEVE | % OF PORTFOLIO | TARGET $ | YIELD % | INCOME / YR | PAYS | |
|---|---|---|---|---|---|---|---|
| SGOV | 6.00% | $189,000 | $8,127 | ||||
| VCSH | 4.00% | $126,000 | $5,796 |
Inflation-Protected5.0%$157.5Kexp ret100%
| HOLDING | % OF SLEEVE | % OF PORTFOLIO | TARGET $ | YIELD % | INCOME / YR | PAYS | |
|---|---|---|---|---|---|---|---|
| SCHP | 5.00% | $157,500 | $4,725 |
Real Estate Securities5.0%$157.5Kexp ret100%
| HOLDING | % OF SLEEVE | % OF PORTFOLIO | TARGET $ | YIELD % | INCOME / YR | PAYS | |
|---|---|---|---|---|---|---|---|
| VNQ | 5.00% | $157,500 | $6,143 |
04Income & cash flow
Estimated dividends and interest, month by month
Top income producers
BND Core Bonds$13,860/yr
VWO Emerging Markets$8,316/yr
SGOV Short-Term & Cash$8,127/yr
SCHD US Large Cap$8,033/yr
VEA International Developed$7,938/yr
Withdrawal policy
Live on the 2.97% distribution yield and leave growth invested. The steadier policy.
Tax on income20%
05Spending & commitments
Your monthly budget, plus the one-time plans each allocation category needs to cover
Monthly spending plan
Rename, adjust, add, or remove line items
$
$
$
$
$
$
$8,000/mo
Income coverage
0.78x
$6,247/mo after-tax income vs $8,000/mo spending
Stress test: in a severe market decline the portfolio falls to $2.07M and income to $4,104/mo (0.51x coverage). Consider more ballast or lower spending.
Real estate plans
Properties to own; annual tax estimated from each rate
$% tax
$1.00M total · $11,000/yr taxes
Reserveyears of carrying costs → Cash Reserves needs $110.0K
Family gifting plans
Recipients and intended amounts
Nothing planned yet
Charitable giving plans
Causes and intended amounts
Nothing planned yet
Personal property plans
Vehicles, collections, and other purchases
Nothing planned yet
06Long-term projection
Portfolio value over 30 years under your withdrawal policy and spending plan
Model: growth accrues at the portfolio's expected return, tax is paid on income realized under the withdrawal policy, monthly spending is withdrawn, and the remainder compounds. All returns, yields, and stress figures are editable planning estimates, not live market data, forecasts, or financial advice. Plan saves privately to this device.