> FICTITIOUS DOCUMENT — FORGE DEMO ONLY · SPECIMEN

# Client Review Memo — The Kentwell Household (H048)

- **Clients:** Beatrice Kentwell, Irwin Kentwell
- **Meeting date:** 2026-06-25 (in-office)
- **Advisor:** Marcus Hale
- **Cadence:** annual review
- **Client since:** 2012-09

## Agenda & discussion

1. **Annual review.** Allocation reviewed; both comfortable, no change requested.
2. **Beneficiary confirmation.** Reviewed the IRA designation on file (spouse primary).
   Beatrice confirmed it still reflects their wishes — no change. Noted the last update
   on file predates their most recent estate conversation but the intent is unchanged.
3. **Charitable giving.** They asked about qualified charitable distributions for a
   future year; gave a high-level explanation and said we'd revisit when relevant.

## Decisions

- No allocation change.
- No beneficiary change — designation confirmed current in intent.

## Action items

| # | Item | Owner | Due |
|---|---|---|---|
| 1 | Send the household a one-page summary on QCDs for their file | Marcus | 2026-07-10 |

*— M. Hale, 2026-06-25*