Ryan & Kristee Freeman — Legacy Model

Year

-

Total Net Worth

-

Allocation

Roth — Tax-Free

-

401k + Ryan IRA + Kristee IRA

Taxable Brokerage

-

DB account · +$10K/yr

Liquid / MM / HYSA

-

Money Market + Savings

Whole Life — Cash Value

-

Mmu1 + Mmu2 · 3%/yr

Home Equity

-

Market value · net of mortgage

Annual Income / SS

-

Dividends + SS

All Assets — 30-Year Projection 16% yrs 1-10 9% yrs 11-30

Stacked Area by Category

Roth Contributions

$40K/yr

401k $24.5K + $7.5K each IRA

Brokerage Contributions

$10K/yr

Annual DB allocation

SS — Kristee

$9K/yr

Starts 2046 · age 67

SS — Ryan

$18K/yr

Starts 2046 · age 65

Income by Source — 30 Years

Business income (~$175K/yr through 2046) funds Roth contributions, brokerage additions, and living expenses — excluded from projections as a variable income source. SS begins at FRA for both (Ryan age 65 / Kristee age 67 in 2046). Dividends ($2,678/yr) continue indefinitely.

Estate Year

-

Taxable Estate

Brokerage, Liquid, Home & WL CV

Total-

Tax-Free Estate

Roth + WL Death Benefits

Total-

Taxable vs Tax-Free Estate Over Time

Yr 1-10 Rate Preset:

Yrs 1-10 Rate → then 9% flat

16.0%

Roth @ Yr 10

-

DB Brok @ Yr 10

-

Roth + DB @ Yr 10

-

Roth @ Yr 15

-

DB Brok @ Yr 15

-

Roth + DB @ Yr 15

-

Roth — Scenario vs Base (16%)

DB Brokerage — Scenario vs Base (16%)

Total Net Worth Comparison

People

Ryan DOB1981-02-19 (age 45 in 2026)

Kristee DOB1978-03-14 (age 47 in 2026)

Filing StatusMarried Filing Jointly

Horizon30 years → 2056

Risk ProfileModerate

Growth Rates

Roth & DB — Yrs 1-1016% — aggressive accumulation

Roth & DB — Yrs 11-309% — steady growth

Liquid / Money Market3.9% flat

WL Cash Value (Mmu1 + Mmu2)3.0% flat

WL Death Benefit1.0% / yr (assumed)

Home Appreciation1.5% flat

Mortgage Paydown1.75% · 9 yrs · payoff 2035

Notes / Goals

Roth interestMaybe — 9-yr accumulation focus

CharitableSome — no DAF modeled yet

TrustNo

Client note+$40K min to Roth buckets/yr

Contributions

Roth 401(k) — Ryan$24,500/yr

Roth IRA — Ryan$7,500/yr

Roth IRA — Kristee$7,500/yr

Total Roth$39,500/yr

DB Brokerage$10,000/yr

Social Security

Ryan$18,000/yr · starts 2046 (age 65)

Kristee$9,000/yr · starts 2046 (age 67)

Income Sources

Business (1099)$175,000/yr through 2046

Traditional IRABalance not provided

Dividends by Year

YR 0 · 2026

YR 1 · 2027

YR 2 · 2028

YR 3 · 2029

YR 4 · 2030

YR 5 · 2031

YR 6 · 2032

YR 7 · 2033

YR 8 · 2034

YR 9 · 2035

YR 10 · 2036

YR 11 · 2037

YR 12 · 2038

YR 13 · 2039

YR 14 · 2040

YR 15 · 2041

YR 16 · 2042

YR 17 · 2043

YR 18 · 2044

YR 19 · 2045

YR 20 · 2046

YR 21 · 2047

YR 22 · 2048

YR 23 · 2049

YR 24 · 2050

YR 25 · 2051

YR 26 · 2052

YR 27 · 2053

YR 28 · 2054

YR 29 · 2055

YR 30 · 2056

Starting Balances (Mar 2026)

Roth 401(k) — Ryan$48,706

Roth IRA — Ryan$41,274

Roth IRA — Kristee$14,184

Total Roth$104,164

Taxable Brokerage$56,055

Money Market$64,171

Savings / HYSA$17,552

WL CV — Mmu1$48,514 / DB $250K

WL CV — Mmu2$46,404 / DB $250K

Home Value$714,238

Mortgage$154,931 · 1.75% · 15-yr (9 remaining)

Net Home Equity$559,307

Drop Position CSV to Update

⇧ UPLOAD POSITION CSV

As of: Mar 2026 (baseline)

Total Engine

$161,129

All accounts · 28 positions

Growth Oriented

$100,183

Core Tech · Hybrid · Broad Market · 62.2%

Income Oriented

$33,669

Defensive · Energy · Utility · Alt · 20.9%

Cash / Parked

$27,277

BIL + Sweep · Deployment Ready · 16.9%

Engine Composition click to filter

Sector Allocation click to filter

Holdings — All Positions

      TICKERSECTORVALUE% ENG
    

Drop CSV to Update

⇧ UPLOAD POSITION CSV

DATE

Engine Today

—

Roth + DB Brokerage

vs 16% Curve

—

Upload CSV to compare

Deployment Capacity

—

BIL + Cash across all accounts

Next Milestone

—

3× Doubling Progress — $160K → $430K → $850K → $1.51M

Engine vs 16% Curve — Monthly Trail Mar 2026 → Mar 2035

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↑ LOAD TRAIL