Family Savings

Total Family Savings

$2,777,415

across 5 accounts

Total Invested

$1,354,090

net deposits, all time

Allocation by Account

Interactive Brokers 45.5%Citi 44.3%Robinhood 5.9%Schwab - Amber 3.0%Schwab - Dave 1.3%

Accounts

Account	Weight	Total Value	Positions	Cash
Interactive Brokers	45.5%	$1,262,776	37	$31,617
Citi	44.3%	$1,229,890	18	$42,253
Robinhood	5.9%	$163,784	13	$12,804
Schwab - Amber	3.0%	$84,486	3	$25,627
Schwab - Dave	1.3%	$36,480	3	$0

Holdings

Ticker	Name	Account	Shares	Price	Value	Weight
VTI US	Vanguard US Stock Mkt ETF	CitiRobinhoodSchwab - Amber	1,258.24	$375.17	$472,055	17.0%
VT US	Vanguard Total World Stock Mkt ETF	CitiSchwab - Amber	1,961.63	$159.31	$312,508	11.3%
FRP LN	FRP ADVISORY GROUP PLC	IBKR	112,000	GBP 1.19	$180,581	6.5%
VEA US	FTSE Developed Markets ETF	Citi	1,879.72	$72.11	$135,547	4.9%
V US	VISA INC-CLASS A SHARES	IBKRRobinhood	252	$379.37	$95,501	3.4%
SPGI US	S&P GLOBAL INC	IBKRSchwab - Dave	194.51	$435.84	$85,088	3.1%
AJB LN	AJ BELL PLC	IBKR	9,100	GBP 6.14	$75,704	2.7%
RSP US	Invesco S&P Equal-Wgt ETF	CitiSchwab - Amber	342.85	$217.59	$74,601	2.7%
IHP LN	INTEGRAFIN HOLDINGS PLC	IBKR	13,000	GBP 3.98	$70,191	2.5%
ASML US	ASML HOLDING NV-NY REG SHS	IBKR	37	$1,696.01	$62,752	2.3%
TSM US	TAIWAN SEMICONDUCTOR-SP ADR	IBKR	137	$415.32	$56,899	2.0%
TMO US	THERMO FISHER SCIENTIFIC INC	IBKR	84	$617.10	$51,836	1.9%
MCO US	MOODY'S CORP	CitiIBKR	97.93	$504.64	$48,676	1.8%
VWO US	Vanguard EM ETF	Citi	764.88	$60.68	$46,413	1.7%
MA US	MASTERCARD INC - A	IBKR	78	$589.31	$45,966	1.7%
TCU SP	CREDIT BUREAU ASIA LTD	IBKR	52,700	SGD 1.09	$45,193	1.6%
VTV US	Vanguard Large-Cap Value ETF	Citi	192.06	$223.96	$43,014	1.5%
WCN US	WASTE CONNECTIONS INC	IBKR	230	$165.32	$38,024	1.4%
BCG LN	BALTIC CLASSIFIEDS GROUP	IBKR	12,620	GBP 2.14	$36,557	1.3%
7476 JP	AS ONE CORP	IBKR	2,200	JPY 2,525.50	$34,782	1.3%
MBH LN	MICHELMERSH BRICK HOLDINGS P	IBKR	32,400	GBP 0.74	$32,705	1.2%
CME US	CME GROUP INC	IBKR	114	$285.50	$32,547	1.2%
RYAN US	RYAN SPECIALTY HOLDINGS INC	IBKR	754	$42.18	$31,804	1.1%
SGOV US	ISHARES 0-3 MONTH TREASURY B	IBKR	314	$100.69	$31,617	1.1%
USFR US	Cash-equivalent (WisdomTree Floating Rate Treasury ETF)	Citi	612	$50.38	$30,833	1.1%
VBR US	Vanguard Small-Cap Value ETF	Citi	122.71	$243.64	$29,896	1.1%
SOM LN	SOMERO ENTERPRISES INC- REGS	IBKR	8,628	GBP 2.42	$28,348	1.0%
GOOGL US	Google	Robinhood	80	$335.02	$26,802	1.0%
CMPGY US	COMPASS GROUP PLC-SPON ADR	IBKR	842	$30.44	$25,630	0.9%
6086 JP	SHIN MAINT HOLDINGS CO LTD	IBKR	3,900	JPY 1,035.00	$25,269	0.9%
ROST US	Ross Stores	Citi	108.65	$229.24	$24,907	0.9%
AMD US	AMD	Robinhood	52	$459.61	$23,900	0.9%
SPYM US	SPDR S&P 500 ETF	Citi	258.70	$89.65	$23,192	0.8%
HEI A US	HEICO CORP-CLASS A	IBKR	85	$244.17	$20,754	0.7%
RWWI US	RAND WORLDWIDE INC	IBKR	1,688	$12.00	$20,256	0.7%
SYK US	STRYKER CORP	IBKR	60	$323.80	$19,428	0.7%
CPRT US	COPART INC	IBKR	550	$32.99	$18,144	0.7%
AAPL US	Apple	Robinhood	55	$325.13	$17,882	0.6%
BRK.B US	Berkshire Hathaway	Robinhood	35	$502.33	$17,582	0.6%
VOE US	Vanguard Mid-Cap Value ETF	Citi	84.46	$205.78	$17,380	0.6%
HESAY US	HERMES INTL-UNSPONSORED ADR	IBKR	88	$183.12	$16,115	0.6%
MSFT US	Microsoft	Robinhood	32	$501.02	$16,033	0.6%
MSCI US	MSCI INC	IBKR	27	$570.64	$15,407	0.6%
AUTO LN	AUTOTRADER GROUP PLC	IBKR	2,000	GBP 5.28	$14,308	0.5%
AMZN US	Amazon	Robinhood	55	$254.92	$14,021	0.5%
KNSL US	KINSALE CAPITAL GROUP INC	IBKR	37	$373.90	$13,834	0.5%
IWS US	Vanguard Russell Mid-Cap Value ETF	Citi	78.24	$168.38	$13,174	0.5%
WSO US	WATSCO INC	IBKR	40	$309.82	$12,393	0.4%
THEP FP	THERMADOR GROUPE	IBKR	145	EUR 73.00	$12,297	0.4%
SGOV	Cash-equivalent (T-Bill ETF)	Citi	113.67	$100.41	$11,414	0.4%
MC FP	LVMH MOET HENNESSY LOUIS VUI	IBKR	20	EUR 453.30	$10,532	0.4%
IEFA US	MSCI EAFE ETF	Citi	102.63	$99.34	$10,195	0.4%
PGR US	PROGRESSIVE CORP	IBKR	33	$218.08	$7,197	0.3%
ITOT US	iShares Total US Stock Market ETF	Citi	43.11	$166.61	$7,183	0.3%
1651 HK	PRECISION TSUGAMI CHINA CORP	IBKR	1,000	HKD 53.00	$6,761	0.2%
NFLX US	Netflix	Robinhood	80	$80.81	$6,465	0.2%
MAB1 LN	MORTGAGE ADVICE BUREAU HOLDI	IBKR	850	GBP 5.12	$5,897	0.2%
CTT SS	CTT SYSTEMS AB	IBKR	380	SEK 147.00	$5,832	0.2%
COST US	Costco	Robinhood	6	$939.96	$5,640	0.2%
CRM US	Salesforce	Robinhood	20	$258.11	$5,162	0.2%
SPDW US	SPDR Developed World Ex-US ETF	Citi	98.39	$51.14	$5,032	0.2%
LVMUY US	LVMH	Schwab - Dave	35	$102.64	$3,592	0.1%
MBGL US	MOBILITY GLOBAL INC	IBKRSchwab - Dave	174	$20.30	$3,499	0.1%
TJX US	TJ Maxx	Robinhood	20	$133.27	$2,665	0.1%
SPMD US	SPDR Mid-Cap ETF	Citi	28.09	$65.35	$1,836	0.1%
META US	Meta	Robinhood	3	$578.54	$1,736	0.1%

Exposures

Based on $2,627,356 classified portfolio value (excludes cash & equivalents). Themes may overlap.

Geography

United States

52.7%

United Kingdom

17.9%

Global

11.9%

International Developed

5.7%

Netherlands

2.4%

Japan

2.3%

Taiwan

2.2%

Emerging Markets

1.8%

Singapore

1.7%

France

1.0%

Greater China

0.3%

Sweden

0.2%

BICS Sub-Industry

US Total Market ETF

18.2%

Global Equity ETF

11.9%

Financial Planning & Wealth Management

6.9%

International Developed Equity ETF

5.7%

Payment Processing Services

5.4%

Financial Data & Analytics

3.8%

Semiconductors

3.1%

Investment Platforms & Brokerage

2.9%

US Large Cap ETF (Equal Weight)

2.8%

Wealth Management Platforms

2.7%

Semiconductor Equipment

2.4%

Life Sciences Tools & Services

2.0%

Credit Ratings & Research

1.9%

Emerging Markets Equity ETF

1.8%

Credit Bureaus & Financial Data

1.7%

US Large Cap Value ETF

1.6%

Waste Management & Recycling

1.4%

Digital Classifieds

1.4%

Lab & Scientific Equipment Distribution

1.3%

Building Materials

1.2%

Exchanges & Electronic Trading

1.2%

Specialty Insurance Wholesale

1.2%

US Mid Cap Value ETF

1.2%

US Small Cap Value ETF

1.1%

Specialty Construction Equipment

1.1%

Off-Price Retail

1.0%

Internet Search & Advertising

1.0%

Outsourced Catering & Food Services

1.0%

Facility Management Services

1.0%

Leveraged US Equity ETF

0.9%

Aerospace MRO Components

0.8%

Industrial & Engineering Software

0.8%

Medical Devices

0.7%

Consumer Electronics & Software

0.7%

Diversified Holding Company

0.7%

Enterprise Software & Cloud

0.6%

Digital Automotive Classifieds

0.5%

Personal Luxury Goods

0.5%

E-Commerce & Cloud Computing

0.5%

Specialty Casualty Insurance

0.5%

HVAC Distribution

0.5%

HVAC & Building Products Distribution

0.5%

Property & Casualty Insurance

0.3%

Machine Tools & Precision Equipment

0.3%

Video Streaming Services

0.2%

Mortgage Advice & Broking

0.2%

Aerospace Cabin Systems

0.2%

Warehouse Club Retail

0.2%

Enterprise CRM Software

0.2%

US Mid Cap ETF

0.1%

Social Media & Digital Advertising

0.1%

Themes

Passive / Index45.4%

UK Quality Compounders16.9%

Capital-Light Financials12.7%

Financial Data & Analytics7.4%

Capital Markets Infrastructure6.9%

Semiconductors & Equipment5.5%

Payments Networks5.4%

US Mega Cap Tech4.3%

Life Sciences4.0%

Emerging Markets3.7%

Japan Quality2.3%

Distribution2.3%

Specialty Insurance2.0%

Outsourced Services1.9%

Digital Marketplaces1.9%

Consumer Retail1.3%

Aerospace & Defense1.0%

Luxury0.5%

Annual Net Deposits

Year	Betterment Opened Sept 2020	Citi Opened Nov 2024	Schwab - Amber Opened March 2022	Schwab - Dave	Robinhood	Interactive Brokers Opened Jan 2019	Total
2026 (YTD)	—	-$7,185	$25,528	-$44,886	$0	$258,418	$231,875
2025	—	$2,000	$44,433	$19,790	$0	$87,741	$153,964
2024 Down payment on house	-$82,496 $0	—	-$91,521 $165,000	$5,250	$0	$965 $156,465	-$167,801 $326,715
2023	$0	—	$130,000	-$14,588	$0	$70,012	$185,424
2022	$95,000	—	$211,252	$0	$15,900	$154,970	$477,123
2021	$190,500	—	—	$31,000	$0	$33,905	$255,405
2020	$69,000	—	—	-$21,014	$28,000	$105,890	$181,876
2019	—	—	—	-$20,000	$6,224	$50,000	$36,224
All years	$272,004	-$5,185	$319,692	-$44,448	$50,124	$761,901	$1,354,090

Total Value Over Time

2026 Dividend Income

For tax planning — received so far in 2026 plus what's still expected before Dec 31, by account. IBKR figures use actual transactions for dividends already paid. Non-IBKR accounts have no transaction history stored here, so those figures are estimated from each holding's historical per-share rate × current shares, not your 1099 — except where you've reported actual dividends received, which are used exactly. "Qualified" is an estimate built from your 2025 IBKR Dividend Report and Citi 1099-DIV (exact for the holdings those documents cover) carried forward to 2026, with same-category estimates for the rest — not your actual 2026 1099-DIV. Not tax advice — qualified vs. ordinary treatment and foreign tax credits are yours to confirm.

Account	Received YTD	Expected Rest of Year	Projected 2026 Total	Projected Qualified
IBKR	$19,576	$10,824	$30,400	$23,813
Citi	$7,186	$6,234	$13,420	$11,259
Schwab - Dave	$1,978	$222	$2,200	$2,200
Schwab - Amber	$382	$320	$702	$580
Robinhood	$311	$151	$462	$456
Sum	$29,433	$17,751	$47,184	$38,308

Show by holding (64)

Ticker	Account	Received	Remaining	Total	Qualified %
TCU SP	IBKR	$5,480	$912	$6,392	0%
FRP LN	IBKR	$2,142	$3,035	$5,177	100%
VTI US	Citi	$2,528	$2,585	$5,113	94%
MBH LN	IBKR	$1,998	$1,317	$3,315	100%
IHP LN	IBKR	$2,076	$669	$2,745	100%
VT US	Citi	$1,577	$998	$2,575	68%
AJB LN	IBKR	$1,812	$616	$2,428	100%
(reported total)	Schwab - Dave	$1,978	$222	$2,200	100%
VEA US	Citi	$914	$709	$1,622	66%
SOM LN	IBKR	$538	$540	$1,079	100%
PGR US	IBKR	$1,036	$7	$1,042	100%
RWWI US	IBKR	$616	$422	$1,038	100%
VTV US	Citi	$415	$416	$831	100%
RSP US	Citi	$343	$342	$685	92%
VBR US	Citi	$286	$267	$554	76%
WSO US	IBKR	$384	$132	$516	100%
TSM US	IBKR	$366	$131	$497	100%
BCG LN	IBKR	$288	$192	$480	100%
V US	IBKR	$318	$159	$476	100%
7476 JP	IBKR	$0	$468	$468	100%
RSP US	Schwab - Amber	$213	$213	$427	92%
ASML US	IBKR	$267	$158	$425	100%
ROST US	Citi	$212	$212	$424	100%
THEP FP	IBKR	$359	$0	$359	100%
CME US	IBKR	$61	$296	$358	100%
MAB1 LN	IBKR	$175	$176	$351	100%
MC FP	IBKR	$176	$174	$350	100%
IEFA US	Citi	$162	$162	$324	66%
VOE US	Citi	$162	$155	$317	95%
AUTO LN	IBKR	$104	$211	$315	100%
MCO US	Citi	$232	$77	$309	100%
CMPGY US	IBKR	$87	$215	$301	100%
RYAN US	IBKR	$195	$98	$293	100%
WCN US	IBKR	$209	$80	$289	100%
VT US	Schwab - Amber	$169	$107	$275	68%
MA US	IBKR	$187	$68	$255	100%
SPGI US	IBKR	$103	$119	$222	100%
MSCI US	IBKR	$166	$55	$221	100%
TMO US	IBKR	$115	$79	$194	100%
CTT SS	IBKR	$97	$95	$192	100%
1651 HK	IBKR	$77	$115	$192	0%
SPYM US	Citi	$112	$62	$174	90%
VWO US	Citi	$54	$109	$163	66%
SYK US	IBKR	$53	$106	$158	100%
SPDW US	Citi	$71	$71	$142	56%
HESAY US	IBKR	$0	$132	$132	100%
MSFT US	Robinhood	$87	$29	$116	100%
IWS US	Citi	$75	$39	$114	95%
VTI US	Robinhood	$41	$42	$83	94%
MCO US	IBKR	$47	$24	$71	100%
AAPL US	Robinhood	$44	$15	$59	100%
GOOGL US	Robinhood	$34	$18	$52	100%
ITOT US	Citi	$32	$18	$50	94%
COST US	Robinhood	$25	$18	$43	100%
V US	Robinhood	$30	$10	$40	100%
TJX US	Robinhood	$28	$10	$37	100%
HEI A US	IBKR	$21	$11	$32	100%
KNSL US	IBKR	$18	$9	$28	100%
CRM US	Robinhood	$18	$9	$26	100%
SPMD US	Citi	$11	$12	$23	57%
META US	Robinhood	$3	$2	$5	100%
CSU CT	IBKR	$4	$0	$4	100%
PSTL US	IBKR	$3	$0	$3	2%
VTI US	Schwab - Amber	$0	$0	$1	94%

2026 Interest Income

Interest on cash-equivalents (SGOV, USFR) — not dividend income, shown separately since it's taxed differently. Same received/projected methodology as above.

Account	Received YTD	Expected Rest of Year	Projected 2026 Total
Citi	$1,023	$531	$1,555
IBKR	$718	$386	$1,104
Capital One Savings	$704	$346	$1,050
Sum	$2,446	$1,263	$3,709

Show by holding (4)

Ticker	Account	Received	Remaining	Total
USFR US *	Citi	$753	$392	$1,144
SGOV US *	IBKR	$718	$386	$1,104
(assumed avg balance) †	Capital One Savings	$704	$346	$1,050
SGOV *	Citi	$271	$140	$410

* SGOV and USFR hold short-term Treasury bills — their interest is exempt from state income tax (still subject to federal tax).

† Not derived from actual transactions — Capital One Savings assumes $35,000 avg. balance @ 3.0% APY.

Ticker	Account	Date	Short-Term	Long-Term	Total
SGOV needs refresh	IBKR	2026-07-29 – 2026-08-26	—	—	-$7
AMD US	Robinhood	2026-08-17	—	+$9,894	+$9,894
PGR	IBKR	2026-08-06	+$0	+$5,892	+$5,892
ROST US	Citi	2026-07-22	—	+$19,436	+$19,436
MBGL US	Schwab - Dave	2026-07-02	—	+$6	+$6
UAPNF US	Schwab - Dave	2026-06-11	—	-$30,144	-$30,144
PBGDF US	Schwab - Dave	2026-06-08	—	-$6,250	-$6,250
PSTL	IBKR	2026-05-14	+$0	+$104	+$104
STGW US	Schwab - Amber	2026-04-22	+$2,588	—	+$2,588
ELVCF US	Schwab - Dave	2026-04-14	+$242	—	+$242
TCU	IBKR	2026-03-17	+$0	+$366	+$366
XPEL	IBKR	2026-03-12	+$0	+$1,756	+$1,756
CSU	IBKR	2026-02-12	-$4,138	+$0	-$4,138
BCG	IBKR	2026-02-04	+$0	+$200	+$200
Sum			-$1,307	+$1,259	-$56

Family Savings

Allocation by Account

Accounts

Holdings

Exposures

Annual Net Deposits

Total Value Over Time

Projections

Mortgage Payoff

2026 Dividend Income

2026 Interest Income

Realized Capital Gains