Parker Family — Household Dashboard

Total Household Net Worth

$4.87M

▲ $218K vs. 30 days ago

Liquidity Signal

Cash position up 18% month-over-month — $142K sitting idle in checking. Possible inheritance event or large employer bonus. Worth a check-in.

📅 Schedule a check-in Last refreshed today

Managed Portfolio

$3.21M

Account	Institution	Type	Balance
Joint Brokerage	Schwab	Brokerage	$1,480,200
Marcus — Traditional IRA	Fidelity	IRA	$847,500
Elena — Roth IRA	Fidelity	IRA	$521,800
Taxable Bond Portfolio	Schwab	Brokerage	$362,700

Cash & Savings

$892K

Account	Institution	Balance
Joint Checking	Chase	$142,300
HYSA	Marcus	$318,400
Money Market	Schwab	$431,200

Monthly Spending Pulse

6-month view

Total monthly outflows

Nov

Dec

Jan

Feb

Mar

Apr

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 · Bayview

$764,200

HELOC HELOC

7.9% variable · Open balance · National Bank

$342,000

Auto Loan — EV Auto

5.4% fixed · Payoff in 2027 · Regional Bank

$51,800

Held-Away Assets

$1.99M

Account	Owner	Type	Est. Value
Employer 401(k)	Marcus (Acme Corp)	401(k)	$1,140,000
Vested RSUs	Elena (Acme Corp)	Equity	$487,300
529 Plan — Sophia	Joint	529	$218,400
529 Plan — Lucas	Joint	529	$142,600

🔗 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

Sophia enrolled at State University. 529 plan (Sophia) began distributions in September. At current drawdown rate, plan covers ~3.2 years of projected tuition. Consider reviewing Lucas's plan contribution pace.

Review 529 plan

Spouse received RSU vest — concentration risk increased

Mar 2026

Elena vested 3,200 RSUs ($487K). Acme Corp 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.

Set rate alert

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