> FICTITIOUS DOCUMENT — FORGE DEMO ONLY · SPECIMEN

# College Funding Note — 529 Households

**Prepared by:** Sam (paraplanner)
**Date:** 2026-08-19
**Purpose:** desk note ahead of year-end. Pull together every household with a 529 on
the books so we can raise contribution/timing ideas at fall reviews. 529 balances are
excluded from the billable base — this note is planning color only, not billing.

Balances as of 2026-09-30 custodian close.

| Household | Owner | 529 acct | Balance |
|---|---|---|---|
| The Penrose Household | Delia Penrose | ••• 3219 | $336,259.00 |
| The Crane Household | Greta Crane | ••• 4665 | $195,303.00 |
| The Fairburn Household | Florence Fairburn | ••• 9250 | $320,589.00 |
| The Harlow Household | Priscilla Harlow | ••• 2352 | $2,632,145.00 |
| The Innes Household | Greta Innes | ••• 3339 | $769,878.00 |
| The Tredwell Household | Janet Tredwell | ••• 7536 | $2,150,618.00 |
| The Yeardley Household | Nadia Yeardley | ••• 3119 | $376,127.00 |
| The Everly Household | Gerald Everly | ••• 1926 | $37,596.00 |
| The Jephson Household | Yvonne Jephson | ••• 7127 | $1,209,761.00 |
| The Isherwood Household | Stuart Isherwood | ••• 7498 | $622,013.00 |
| The Osgood Household | Frances Osgood | ••• 7421 | $464,902.00 |
| The Wrenshall Household | Ramona Wrenshall | ••• 3244 | $2,566,415.00 |
| The Burnside Household | Irwin Burnside | ••• 3871 | $1,025,736.00 |

## Contribution / timing ideas (planning color — discuss at reviews)

- **Annual-exclusion gifting:** for the households still actively funding (Penrose,
  Fairburn, Crane, Everly), a straightforward annual gift per beneficiary keeps
  contributions inside the exclusion. Confirm each client's gifting appetite.
- **Five-year election ("superfunding"):** the larger balances (Harlow, Tredwell,
  Wrenshall) likely reflect front-loaded funding already — check whether any are still
  inside a five-year election window before recommending new large contributions.
- **Near-enrollment de-risking:** for any beneficiary within ~3 years of enrollment,
  suggest glide-pathing toward the money-market / short-duration sleeve (Northquay
  Government Money Market) so tuition timing isn't exposed to a drawdown.
- **Everly (••• 1926):** small balance — likely a newer or lightly funded plan. Worth
  a quick "do you want to keep funding this?" at the review.
- **Small vs. large:** the smaller plans (Everly, Crane, Fairburn) may benefit from
  systematic monthly contributions; the large ones are more about withdrawal
  sequencing than new money.

*All contribution figures and timing above are planning suggestions only — no dollar
amounts are committed. Confirm each household's goals with the advisor at the review.*