Private wealth proposal · September 21, 2026
Prepared exclusively for
John & Jane Testerson
Presented by
Melissa Estrada, CFP®, CIMA®, BFA™
Financial decisions rarely exist in isolation. A change in your investments can affect your taxes. A career decision can change your retirement plan. A concentrated stock position, home purchase, inheritance, or business decision can reshape priorities entirely.
At Fidela Wealth, we look at the whole picture.
Our role is to bring clarity to complexity, help you make informed decisions, and keep your financial life moving in the right direction as life changes.
Your financial assessment
$2.58M
Total assets
$593K
Total liabilities
$1.99M
Estimated net worth
Balances reflect the statements and account data gathered during discovery, valued as of Sep. 17, 2026.
| Account | John | Jane | Total |
|---|---|---|---|
| Chase Savings | $41,249 | $41,248 | $82,497 |
| Inheritance Cash | $39,530 | $39,529 | $79,059 |
| Money Market, Inheritance | $166,256 | $166,256 | $332,512 |
| Fidelity, Joint with Rights of Survivorship | $57,149 | $57,149 | $114,298 |
| Riot RSUs, Vested | Not held | $51,268 | $51,268 |
| Charles Schwab IRA | Not held | $158,418 | $158,418 |
| Gibbs Giden 401(k) | $245,469 | Not held | $245,469 |
| Riot Games 401(k) | Not held | $235,937 | $235,937 |
| Wells Inherited IRA | $80,190 | Not held | $80,190 |
| Home | $600,000 | $600,000 | $1,200,000 |
| Total assets | $1,229,843 | $1,349,805 | $2,579,648 |
| Mortgage | ($296,452) | ($296,451) | ($592,903) |
| Estimated net worth | $933,391 | $1,053,354 | $1,986,745 |
Every account held by the household is listed above. Nothing was excluded from the analysis.
Advisor perspective
Cash alternatives represent roughly 19% of assets. That creates room to coordinate near-term priorities before committing capital to longer-term strategies.
Nearly half of current assets are tied to real estate. Investment, tax, estate, and cash-flow decisions should be evaluated with that concentration in view.
The source projection indicates retirement needs are funded under its current assumptions, creating an opportunity to discuss timing, lifestyle, legacy, and resilience, not simply a target number.
We integrate investments, cash flow, retirement, tax considerations, estate planning, and risk management into a framework that evolves with you.
Your goals, values, resources, and constraints.
The decisions that matter now, and what can wait.
A coordinated plan with clear ownership and action.
Regular review as life, markets, and priorities change.
Model retirement timing, spending, liquidity, and legacy choices together.
Review protection, estate considerations, and concentrated exposures before they become urgent.
Coordinate with your certified public accountant, attorney, and other professionals so advice works as one plan.
Our investment process combines quantitative research with thoughtful portfolio construction to keep your investments aligned with your goals, not market headlines.
We evaluate economic conditions, market trends, volatility, and valuations to understand the current environment.
We combine that research with diversification, risk and return analysis, and your plan to determine an appropriate asset mix.
Investments are evaluated across performance, risk, cost, and investor experience relative to comparable choices.
We continually monitor the portfolio and periodically re-evaluate its allocation. Changes follow the data, not short-term noise.
Quantitative risk management
Side by side, your portfolio as it stands today against Fidela Core 80, the allocation we would manage on your behalf. Same data, same time periods, so the differences in mix, cost and behavior are directly comparable.
Portfolio mix
Annualized return
Annualized returns through Aug. 31, 2026. Past performance does not guarantee future results. An “all time” column is not shown because the two allocations began on different dates.
The proposed model increases stock exposure from 71.94% to 81.78%, consistent with a growth-oriented allocation.
Bond exposure moves from 24.14% to 17.35%; this tradeoff should be confirmed against comfort with short-term volatility.
Source stress tests show results can vary by period. The purpose is preparation, not prediction or a promise of downside protection.
We believe wealth management is an ongoing relationship, not a series of isolated decisions.
We revisit your plan and priorities, with a comprehensive review at least annually.
Investments are continuously monitored and re-evaluated quarterly.
We work alongside your CPA, attorney, and other professionals.
Your plan, investments, performance, documents, and tasks in one secure place.
Your advisory fee covers ongoing financial planning and investment management under one relationship. There is no separate financial planning fee.
The applicable rate is applied to the entire account value once a breakpoint is reached. Investment expenses and certain custodial or transaction costs, where applicable, are separate.
Review and acknowledge this proposal to let us know you’re ready to move forward.
Complete your intake form and securely provide the information we need.
We’ll prepare your Fidela Wealth documents for electronic signature.
We’ll prepare the appropriate paperwork and guide you through account opening.
We’ll coordinate asset transfers and begin implementing your plan and investment strategy.
Ready when you are.
Sign electronically in the next chapter. It takes less than a minute.
This proposal is the summary. Behind it sits a full review of your financial life. Every figure in chapters two and five traces back to the items below, so you can be confident nothing was passed over.
Your financial plan
Dates of birth, children, and contact details that anchor every projection.
All twelve accounts reviewed individually: checking, savings, inheritance cash, money market, brokerage, company stock, IRAs, both 401(k) plans, and your home.
Your mortgage balance, interest rate, and full payoff schedule.
Salary and bonus for each of you, and how both change over time.
401(k) deferrals and annual savings goals, reviewed against your targets.
Income, Social Security, and portfolio withdrawals mapped year by year through retirement.
Living expenses, mortgage payments, taxes, insurance, education funding, and planned purchases.
Whether lifetime income and assets fully cover your needs, and the options available if a gap appears.
Your investment portfolio
Cash, stocks, bonds, and other holdings, your current mix compared with the proposed model.
Value, blend, and growth holdings across all nine market-size and style segments.
Weightings across all eleven market sectors, checked for concentration.
Corporate, government, and municipal bonds across short-, intermediate-, and long-term maturities.
The growth of $100,000 in your current portfolio versus the proposed portfolio.
One-, three-, five-, and ten-year returns measured against the volatility taken to earn them.
How each portfolio held up during the 2022 inflation-driven downturn.
By signing below, you accept this proposal and agree to engage Fidela Wealth on the terms described in this document, including the advisory services and fees outlined in chapter seven. Your engagement becomes effective once Fidela Wealth countersigns your advisory agreement in step three.
Electronic signatures on this proposal are legally binding under the federal Electronic Signatures in Global and National Commerce Act (ESIGN, 15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act (UETA) as adopted in your state. Your name, email address, signature, and the date and time of signing are recorded as your signing record.
Fidela Wealth publishes its required regulatory and compliance documents on fidelawealth.com. The documents below are the official versions and govern in all cases.