> FICTITIOUS DOCUMENT — FORGE DEMO ONLY · SPECIMEN

# Meeting Prep Workbook — The Tarrant Household

**Prepared by:** Sam (paraplanner)
**Prep date:** 2026-10-05
**Review meeting:** 2026-10-29 · with Ellen
**Client since:** 2013-10 · Cadence: annual

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### Accounts (values as of 2026-09-30 custodian close)

| Account | Type | Custodian | Acct | Value |
|---|---|---|---|---|
| Iris Tarrant — Joint Taxable | Joint Taxable | Bellhaven Trust Co. | ••• 7890 | $526,553.00 |
| Iris Tarrant — Roth IRA | Roth IRA | Ridgeline Custody Services | ••• 1244 | $1,050,993.00 |
| Iris Tarrant — Roth IRA | Roth IRA | Ridgeline Custody Services | ••• 2229 | $1,175,839.00 |
| Iris Tarrant — Traditional IRA | Traditional IRA | Ridgeline Custody Services | ••• 2066 | $488,137.00 |
| **Total** | | | | **$3,241,522.00** |

### Agenda

1. Annual portfolio review vs. target — heavy Roth balance across two accounts;
   discuss whether to consolidate the two Roth IRAs (••• 1244 and ••• 2229) at one
   custodian for simpler management.
2. Traditional IRA (••• 2066) — Iris is approaching RMD age; walk through the timeline
   so the first required distribution isn't a surprise. *(Not yet RMD-required this
   year — confirm date of birth against the roster before the meeting.)*
3. Income planning — Joint Taxable as the near-term spending bucket.
4. Beneficiary review across all four accounts.

### Balances / what-if notes

- The two Roth IRAs together (~$2.23M) are the growth/legacy core — keep the most
  aggressive sleeves here (Harborlight Core Equity, Pellbrook Small Companies).
- **What-if:** if Iris wants to fund a large gift next year, taking it from the Joint
  Taxable preserves the Roth compounding — model the tax-lot impact before deciding.
  *(Scenario placeholder — build if raised.)*
- Traditional IRA is the smallest sleeve; consider whether partial Roth conversions
  make sense in any low-income year before RMDs begin.

### To pull before the meeting

- Custodian statements for all four accounts (all Ridgeline except the Joint Taxable
  at Bellhaven).
- Current allocation vs. target drift report.

*Prep only — advisor confirms all figures with client at the meeting.*