Family Savings

Total Family Savings

$2,776,207

across 5 accounts

Total Invested

$1,354,090

net deposits, all time

Allocation by Account

Citi 45.0%Interactive Brokers 44.6%Robinhood 6.0%Schwab - Amber 3.1%Schwab - Dave 1.3%

Accounts

Account	Weight	Total Value	Positions	Cash
Citi	45.0%	$1,248,436	18	$42,261
Interactive Brokers	44.6%	$1,239,482	37	$31,532
Robinhood	6.0%	$165,847	13	$12,804
Schwab - Amber	3.1%	$85,291	3	$25,627
Schwab - Dave	1.3%	$37,151	3	$0

Holdings

Ticker	Name	Account	Shares	Price	Value	Weight
VTI US	Vanguard US Stock Mkt ETF	CitiRobinhoodSchwab - Amber	1,258.24	$381.23	$479,674	17.3%
VT US	Vanguard Total World Stock Mkt ETF	CitiSchwab - Amber	1,961.63	$161.88	$317,549	11.4%
FRP LN	FRP ADVISORY GROUP PLC	IBKR	112,000	GBP 1.19	$179,741	6.5%
VEA US	FTSE Developed Markets ETF	Citi	1,879.72	$73.53	$138,207	5.0%
V US	VISA INC-CLASS A SHARES	IBKRRobinhood	252	$378.40	$95,359	3.4%
SPGI US	S&P GLOBAL INC	IBKRSchwab - Dave	194.51	$431.71	$85,291	3.1%
RSP US	Invesco S&P Equal-Wgt ETF	CitiSchwab - Amber	342.85	$220.00	$75,427	2.7%
AJB LN	AJ BELL PLC	IBKR	9,100	GBP 5.95	$72,959	2.6%
IHP LN	INTEGRAFIN HOLDINGS PLC	IBKR	13,000	GBP 3.79	$66,533	2.4%
ASML US	ASML HOLDING NV-NY REG SHS	IBKR	37	$1,682.30	$62,245	2.2%
TSM US	TAIWAN SEMICONDUCTOR-SP ADR	IBKR	137	$415.50	$56,924	2.1%
TMO US	THERMO FISHER SCIENTIFIC INC	IBKR	84	$608.54	$51,117	1.8%
MCO US	MOODY'S CORP	CitiIBKR	97.93	$490.00	$49,065	1.8%
VWO US	Vanguard EM ETF	Citi	764.88	$61.01	$46,662	1.7%
MA US	MASTERCARD INC - A	IBKR	78	$588.14	$45,875	1.7%
TCU SP	CREDIT BUREAU ASIA LTD	IBKR	52,700	SGD 1.08	$44,776	1.6%
VTV US	Vanguard Large-Cap Value ETF	Citi	192.06	$226.84	$43,566	1.6%
WCN US	WASTE CONNECTIONS INC	IBKR	230	$164.09	$37,741	1.4%
7476 JP	AS ONE CORP	IBKR	2,200	JPY 2,490.00	$34,515	1.2%
MBH LN	MICHELMERSH BRICK HOLDINGS P	IBKR	32,400	GBP 0.74	$32,553	1.2%
RYAN US	RYAN SPECIALTY HOLDINGS INC	IBKR	754	$42.34	$31,924	1.1%
CME US	CME GROUP INC	IBKR	114	$277.77	$31,666	1.1%
SGOV US	ISHARES 0-3 MONTH TREASURY B	IBKR	314	$100.42	$31,532	1.1%
USFR US	Cash-equivalent (WisdomTree Floating Rate Treasury ETF)	Citi	612	$50.39	$30,839	1.1%
983 FP	BALTIC CLASSIFIEDS GROUP	IBKR	12,620	EUR 2.09	$30,596	1.1%
VBR US	Vanguard Small-Cap Value ETF	Citi	122.71	$246.60	$30,259	1.1%
GOOGL US	Google	Robinhood	80	$342.74	$27,420	1.0%
SOM LN	SOMERO ENTERPRISES INC- REGS	IBKR	8,628	GBP 2.33	$27,053	1.0%
CMPGY US	COMPASS GROUP PLC-SPON ADR	IBKR	842	$30.48	$25,664	0.9%
6086 JP	SHIN MAINT HOLDINGS CO LTD	IBKR	3,900	JPY 1,022.00	$25,113	0.9%
ROST US	Ross Stores	Citi	108.65	$230.90	$25,088	0.9%
AMD US	AMD	Robinhood	52	$457.76	$23,804	0.9%
SPYM US	SPDR S&P 500 ETF	Citi	258.70	$91.08	$23,562	0.8%
HEI A US	HEICO CORP-CLASS A	IBKR	85	$239.83	$20,386	0.7%
RWWI US	RAND WORLDWIDE INC	IBKR	1,688	$12.00	$20,256	0.7%
SYK US	STRYKER CORP	IBKR	60	$312.19	$18,731	0.7%
AAPL US	Apple	Robinhood	55	$327.42	$18,008	0.6%
BRK.B US	Berkshire Hathaway	Robinhood	35	$507.11	$17,749	0.6%
CPRT US	COPART INC	IBKR	550	$32.16	$17,688	0.6%
VOE US	Vanguard Mid-Cap Value ETF	Citi	84.46	$208.99	$17,651	0.6%
MSFT US	Microsoft	Robinhood	32	$514.60	$16,467	0.6%
HESAY US	HERMES INTL-UNSPONSORED ADR	IBKR	88	$176.94	$15,571	0.6%
MSCI US	MSCI INC	IBKR	27	$560.63	$15,137	0.5%
AMZN US	Amazon	Robinhood	55	$259.41	$14,268	0.5%
KNSL US	KINSALE CAPITAL GROUP INC	IBKR	37	$376.78	$13,941	0.5%
AUTO LN	AUTOTRADER GROUP PLC	IBKR	2,000	GBP 5.01	$13,508	0.5%
IWS US	Vanguard Russell Mid-Cap Value ETF	Citi	78.24	$170.74	$13,359	0.5%
WSO US	WATSCO INC	IBKR	40	$308.92	$12,357	0.4%
THEP FP	THERMADOR GROUPE	IBKR	145	EUR 71.80	$12,065	0.4%
SGOV	Cash-equivalent (T-Bill ETF)	Citi	113.67	$100.43	$11,416	0.4%
IEFA US	MSCI EAFE ETF	Citi	102.63	$101.09	$10,375	0.4%
MC FP	LVMH MOET HENNESSY LOUIS VUI	IBKR	20	EUR 439.00	$10,175	0.4%
PGR US	PROGRESSIVE CORP	IBKR	33	$221.38	$7,306	0.3%
ITOT US	iShares Total US Stock Market ETF	Citi	43.11	$169.32	$7,300	0.3%
NFLX US	Netflix	Robinhood	80	$82.85	$6,628	0.2%
1651 HK	PRECISION TSUGAMI CHINA CORP	IBKR	1,000	HKD 49.74	$6,343	0.2%
CTT SS	CTT SYSTEMS AB	IBKR	380	SEK 145.60	$5,747	0.2%
MAB1 LN	MORTGAGE ADVICE BUREAU HOLDI	IBKR	850	GBP 4.88	$5,594	0.2%
COST US	Costco	Robinhood	6	$930.76	$5,585	0.2%
CRM US	Salesforce	Robinhood	20	$266.54	$5,331	0.2%
SPDW US	SPDR Developed World Ex-US ETF	Citi	98.39	$52.13	$5,130	0.2%
MBGL US	MOBILITY GLOBAL INC	IBKRSchwab - Dave	174	$20.38	$3,552	0.1%
LVMUY US	LVMH	Schwab - Dave	35	$100.19	$3,507	0.1%
TJX US	TJ Maxx	Robinhood	20	$131.89	$2,638	0.1%
SPMD US	SPDR Mid-Cap ETF	Citi	28.09	$66.29	$1,862	0.1%
META US	Meta	Robinhood	3	$614.95	$1,845	0.1%

Exposures

Based on $2,596,575 classified portfolio value (excludes cash & equivalents). Themes may overlap.

Geography

United States

53.7%

United Kingdom

16.3%

Global

12.2%

International Developed

5.9%

Netherlands

2.4%

Japan

2.3%

Taiwan

2.2%

Emerging Markets

1.8%

Singapore

1.7%

France

1.0%

Greater China

0.2%

Sweden

0.2%

BICS Sub-Industry

US Total Market ETF

18.8%

Global Equity ETF

12.2%

Financial Planning & Wealth Management

6.9%

International Developed Equity ETF

5.9%

Payment Processing Services

5.4%

Financial Data & Analytics

3.9%

Semiconductors

3.1%

US Large Cap ETF (Equal Weight)

2.9%

Investment Platforms & Brokerage

2.8%

Wealth Management Platforms

2.6%

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

1.7%

Waste Management & Recycling

1.5%

Lab & Scientific Equipment Distribution

1.3%

Building Materials

1.3%

Specialty Insurance Wholesale

1.2%

Exchanges & Electronic Trading

1.2%

US Mid Cap Value ETF

1.2%

US Small Cap Value ETF

1.2%

Off-Price Retail

1.1%

Internet Search & Advertising

1.1%

Specialty Construction Equipment

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%

E-Commerce & Cloud Computing

0.5%

Specialty Casualty Insurance

0.5%

Personal Luxury Goods

0.5%

Digital Automotive Classifieds

0.5%

HVAC Distribution

0.5%

HVAC & Building Products Distribution

0.5%

Property & Casualty Insurance

0.3%

Video Streaming Services

0.3%

Machine Tools & Precision Equipment

0.2%

Aerospace Cabin Systems

0.2%

Mortgage Advice & Broking

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 / Index46.6%

UK Quality Compounders15.3%

Capital-Light Financials12.5%

Financial Data & Analytics7.5%

Capital Markets Infrastructure7.0%

Semiconductors & Equipment5.5%

Payments Networks5.4%

US Mega Cap Tech4.4%

Life Sciences4.0%

Emerging Markets3.8%

Japan Quality2.3%

Distribution2.3%

Specialty Insurance2.0%

Outsourced Services2.0%

Consumer Retail1.3%

Aerospace & Defense1.0%

Luxury0.5%

Digital Marketplaces0.5%

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	$19,735	$10,602	$30,337	$23,462
Citi	$7,186	$6,057	$13,243	$11,099
Schwab - Dave	$1,978	$222	$2,200	$2,200
Schwab - Amber	$382	$214	$596	$482
Robinhood	$311	$151	$462	$456
Sum	$29,592	$17,245	$46,837	$37,699

Show by holding (64)

Ticker	Account	Received	Remaining	Total	Qualified %
TCU SP	IBKR	$5,480	$912	$6,392	0%
FRP LN	IBKR	$2,142	$3,021	$5,163	100%
VTI US	Citi	$2,528	$2,585	$5,113	94%
MBH LN	IBKR	$1,998	$1,311	$3,309	100%
IHP LN	IBKR	$2,076	$666	$2,742	100%
VT US	Citi	$1,577	$998	$2,575	68%
AJB LN	IBKR	$1,812	$614	$2,426	100%
(reported total)	Schwab - Dave	$1,978	$222	$2,200	100%
VEA US	Citi	$914	$709	$1,622	66%
SOM LN	IBKR	$538	$536	$1,075	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%
V US	IBKR	$476	$159	$635	100%
VBR US	Citi	$286	$267	$554	76%
WSO US	IBKR	$384	$132	$516	100%
RSP US	Citi	$343	$171	$514	92%
TSM US	IBKR	$366	$131	$497	100%
7476 JP	IBKR	$0	$471	$471	100%
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	$175	$350	100%
MC FP	IBKR	$176	$174	$350	100%
IEFA US	Citi	$162	$162	$324	66%
RSP US	Schwab - Amber	$213	$107	$320	92%
VOE US	Citi	$162	$155	$317	95%
AUTO LN	IBKR	$104	$210	$314	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%
BCG FP	IBKR	$288	$0	$288	unclassified
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%
1651 HK	IBKR	$77	$115	$192	0%
CTT SS	IBKR	$97	$95	$191	100%
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	$6	$17	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