Client Overview — Harrison Estate
Unified view across all three advisory modules
Dashboard
Active Workflow
Next Actions
Estate Net Worth
$6.8M
3 trusts active
Financial Plan Score
87/100
Reviewed 14 days ago
Managed Assets
$4.2M
+3.1% YTD
Active Workflow: Beneficiary Update → Coordinated Review In Progress
Estate
Trust beneficiary updated
Done
Financial
Update insurance beneficiaries
Pending
Asset Mgmt
Review trust account titling
Pending
Estate
Attorney sign-off & close
Awaiting
Cross-module action required: Retirement projections need recalculation — updated trust distributions affect income model.
Quarterly rebalance due — coordinate with estate liquidity needs before executing trades.
Estate Planning Open →
Revocable Living TrustCurrent
Pour-Over WillReview
Power of AttorneyCurrent
Beneficiary DesignationsUpdating
Financial Planning Open →
Retirement readinessOn track
Insurance coverageReview due
Tax planningQ4 review set
Cash flow modelCurrent
Asset Management Open →
Allocation drift+4.2% equity
Rebalance statusPending review
Tax-loss harvesting2 opportunities
vs S&P 500+1.3%
Next Actions
Update insurance beneficiariesFinancial
Review trust account titlingAsset
Coordinate rebalance timingAll
Attorney sign-offEstate
Cross-Module Trigger Rules
Estate
Beneficiary change → auto-create task in Financial: update insurance designations + Asset: review account titling
Estate
New trust created → flag Asset: move assets to trust ownership + alert Financial: update tax projection for trust income
Financial
Retirement income updated → prompt Asset: review withdrawal strategy + Estate: confirm charitable distribution alignment
Financial
Major life event logged → trigger full Estate: document review workflow
Asset
Large distribution processed → update Financial: cash flow model + check Estate: liquidity threshold for estate tax
Asset
Rebalance proposed → confirm with Financial: tax impact check before execution
Coordinated Action Plan — Next 90 Days
Actions ranked by priority and cross-module dependency.
Urgent: Complete insurance beneficiary updateFinancial · This week
Urgent: Review & re-title trust-owned accountsAsset · This week
Recalculate retirement projections with new trust distributionsFinancial · 2 weeks
Execute rebalance after tax/liquidity clearanceAsset · 3 weeks
Pour-over will annual reviewEstate · 30 days
Q4 tax-loss harvesting reviewAsset · 60 days
Annual financial plan review meetingAll · 90 days
Estate Planning
Trust structures, documents, beneficiary management
Documents
Trusts
Beneficiaries
Workflow active: Beneficiary designation update in progress — triggers financial and asset module tasks.
Estate Documents
Revocable Living Trust — Robert & Patricia Harrison
Current
Pour-Over Will (Joint)
Review
Durable Power of Attorney
Current
Healthcare Directive & HIPAA Authorization
Current
Trust 1 — Revocable Living Trust
TypeRevocable Living
FMV$3.2M
TrusteeRobert Harrison
SuccessorJames Harrison
Distribution$7,000/mo
Trust 2 — Irrevocable Life Insurance Trust
TypeILIT
Policy Value$2.1M
TrusteeMorrison & Webb LLP
BeneficiaryUpdating
Annual premium$18,400
Trust 3 — Charitable Remainder Trust
TypeCRT (CRUT)
FMV$1.5M
Payout rate5.2%
CharityStanford Alumni Fund
TermLife of both donors
Update in progress: Beneficiary change on ILIT Trust 2 will trigger financial insurance designation review and asset account re-titling tasks.
Beneficiary Designations
Revocable Trust — PrimaryPatricia Harrison (spouse) 100%
Revocable Trust — ContingentJames & Sarah Harrison — being updated
ILIT Policy BeneficiaryIn review — update pending
CRT Remainder BeneficiaryStanford Alumni Fund
Financial Planning
Retirement projections, insurance, cash flow, tax planning
Retirement
Insurance
Cash Flow
Projected monthly income
$18,400
↑ +$1,200 (trust update)
Plan success probability
91%
↑ +4% vs prior model
Portfolio depletion age
Age 97
↑ +3 yrs vs prior
Income Sources — Updated Model
Portfolio withdrawal rate4.1%3.4%
Monthly income target$17,500
Monthly surplus+$900
Cross-module — Asset: Lower withdrawal rate means rebalance drawdown schedule should be updated from 4.1% to 3.4%.
Action required: Beneficiary designation update in estate module requires insurance policy beneficiaries to be reviewed and updated.
Insurance Coverage Summary
Life Insurance (ILIT)$2.1M
Life Insurance (term)$500K · expires 2029
Long-term careReview recommended
Umbrella liability$5M
Beneficiary statusUpdate in progress
Annual Cash Flow Model
Gross annual income$220,800
Federal/state taxes (est.)-$48,200
Living expenses-$142,000
Insurance premiums-$19,800
CRT contributions-$8,400
Net annual surplus$2,400
Asset Management
Portfolio overview, allocation, rebalance, tax-loss harvesting
Overview
Rebalance
Holdings
Total AUM
$4.2M
+3.1% YTD
vs S&P 500
+1.3%
Alpha YTD
Withdrawal rate
3.4%
Updated (was 4.1%)
Allocation
US Equity
62%
$2.60M
Int'l Equity
15%
$0.63M
Fixed Income
18%
$0.76M
Cash / Alt
5%
$0.21M
Account Structure
Taxable brokerage$1.84M
IRA — Robert$980K
IRA — Patricia$760K
Trust-held accounts$620K — review titling
Cross-module update received: Financial plan withdrawal rate revised from 4.1% → 3.4%. Rebalance model and withdrawal schedule must be updated before execution.
Rebalance Proposal
Current equity weight77% (target: 73%)
Drift from target+4.2% equity overweight
Estimated tax impact$14,200 LT cap gains
Tax clearancePending financial review
Estate liquidity checkPending estate review
TLH opportunities2 positions (~$6,800 loss)
Top Holdings
| Security | Value | Weight | Return YTD | Action |
|---|---|---|---|---|
VTI Vanguard Total Market ETF |
$840K | 20.0% | +8.2% | Hold |
AAPL Apple Inc. |
$420K | 10.0% | +12.4% | Trim |
BND Vanguard Total Bond ETF |
$378K | 9.0% | -1.1% | Add |
VXUS Vanguard Total Int'l ETF |
$336K | 8.0% | +4.3% | Hold |
MSFT Microsoft Corp. |
$294K | 7.0% | +15.1% | Trim |
Workflow Hub
Cross-module coordination, triggers, and active workflows
Active
Trigger Rules
Active: Beneficiary Update → Coordinated Review Step 2 of 4
Estate
Trust beneficiary updated
Done
Financial
Update insurance beneficiaries
Pending
Asset Mgmt
Review trust account titling
Pending
Estate
Attorney sign-off & close
Awaiting
Cross-Module Trigger Rules
Estate
Beneficiary change → auto-create task in Financial: update insurance designations + Asset: review account titling
Estate
New trust created → flag Asset: move assets to trust ownership + alert Financial: update tax projection for trust income
Financial
Retirement income model updated → prompt Asset: review withdrawal strategy + Estate: confirm charitable distribution alignment
Financial
Major life event logged → trigger full Estate: document review workflow
Asset
Large distribution processed → update Financial: cash flow model + check Estate: liquidity threshold for estate tax
Asset
Rebalance proposed → confirm with Financial: tax impact check before execution
AI Assistant
Coordinated AI analysis across all three advisory modules
Calloway AI — Cross-Module Coordination
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