Family Savings

Last updated September 02, 2026

Total Family Savings
$2,773,080
across 5 accounts
Total Invested
$1,354,090
net deposits, all time

Allocation by Account

Interactive Brokers 45.2%Citi 44.5%Robinhood 5.9%Schwab - Amber 3.1%Schwab - Dave 1.3%

Accounts

Account WeightTotal Value PositionsCash
Interactive Brokers 45.2% $1,252,879 37 $31,529
Citi 44.5% $1,235,355 18 $42,257
Robinhood 5.9% $164,033 13 $12,804
Schwab - Amber 3.1% $84,804 3 $25,627
Schwab - Dave 1.3% $36,009 3 $0

Holdings

TickerNameAccount SharesPrice ValueWeight
VTI US Vanguard US Stock Mkt ETF CitiRobinhoodSchwab - Amber 1,258.24 $376.89 $474,223 17.1%
VT US Vanguard Total World Stock Mkt ETF CitiSchwab - Amber 1,961.63 $160.01 $313,881 11.3%
FRP LN FRP ADVISORY GROUP PLC IBKR 112,000 GBP 1.21 $183,169 6.6%
VEA US FTSE Developed Markets ETF Citi 1,879.72 $72.53 $136,327 4.9%
V US VISA INC-CLASS A SHARES IBKRRobinhood 252 $372.67 $94,001 3.4%
SPGI US S&P GLOBAL INC IBKRSchwab - Dave 194.51 $440.21 $85,154 3.1%
RSP US Invesco S&P Equal-Wgt ETF CitiSchwab - Amber 342.85 $219.00 $75,084 2.7%
AJB LN AJ BELL PLC IBKR 9,100 GBP 6.06 $74,535 2.7%
IHP LN INTEGRAFIN HOLDINGS PLC IBKR 13,000 GBP 3.90 $68,526 2.5%
ASML US ASML HOLDING NV-NY REG SHS IBKR 37 $1,665.14 $61,610 2.2%
TSM US TAIWAN SEMICONDUCTOR-SP ADR IBKR 137 $414.00 $56,718 2.0%
TMO US THERMO FISHER SCIENTIFIC INC IBKR 84 $600.50 $50,442 1.8%
MCO US MOODY'S CORP CitiIBKR 97.93 $494.71 $48,028 1.7%
VWO US Vanguard EM ETF Citi 764.88 $60.69 $46,417 1.7%
MA US MASTERCARD INC - A IBKR 78 $581.10 $45,326 1.6%
TCU SP CREDIT BUREAU ASIA LTD IBKR 52,700 SGD 1.08 $44,707 1.6%
VTV US Vanguard Large-Cap Value ETF Citi 192.06 $225.42 $43,294 1.6%
WCN US WASTE CONNECTIONS INC IBKR 230 $163.89 $37,695 1.4%
BCG LN BALTIC CLASSIFIEDS GROUP IBKR 12,620 GBP 2.09 $35,684 1.3%
7476 JP AS ONE CORP IBKR 2,200 JPY 2,521.00 $34,623 1.2%
CME US CME GROUP INC IBKR 114 $286.45 $32,655 1.2%
MBH LN MICHELMERSH BRICK HOLDINGS P IBKR 32,400 GBP 0.74 $32,625 1.2%
RYAN US RYAN SPECIALTY HOLDINGS INC IBKR 754 $42.32 $31,909 1.2%
SGOV US ISHARES 0-3 MONTH TREASURY B IBKR 314 $100.41 $31,529 1.1%
USFR US Cash-equivalent (WisdomTree Floating Rate Treasury ETF) Citi 612 $50.39 $30,836 1.1%
VBR US Vanguard Small-Cap Value ETF Citi 122.71 $246.21 $30,211 1.1%
SOM LN SOMERO ENTERPRISES INC- REGS IBKR 8,628 GBP 2.40 $27,988 1.0%
GOOGL US Google Robinhood 80 $337.91 $27,033 1.0%
CMPGY US COMPASS GROUP PLC-SPON ADR IBKR 842 $30.68 $25,833 0.9%
ROST US Ross Stores Citi 108.65 $232.29 $25,238 0.9%
6086 JP SHIN MAINT HOLDINGS CO LTD IBKR 3,900 JPY 1,035.00 $25,198 0.9%
AMD US AMD Robinhood 52 $455.50 $23,686 0.9%
SPYM US SPDR S&P 500 ETF Citi 258.70 $90.06 $23,298 0.8%
HEI A US HEICO CORP-CLASS A IBKR 85 $242.00 $20,570 0.7%
RWWI US RAND WORLDWIDE INC IBKR 1,688 $12.00 $20,256 0.7%
SYK US STRYKER CORP IBKR 60 $317.40 $19,044 0.7%
AAPL US Apple Robinhood 55 $326.01 $17,930 0.6%
CPRT US COPART INC IBKR 550 $32.47 $17,856 0.6%
BRK.B US Berkshire Hathaway Robinhood 35 $507.86 $17,775 0.6%
VOE US Vanguard Mid-Cap Value ETF Citi 84.46 $207.65 $17,538 0.6%
MSFT US Microsoft Robinhood 32 $496.10 $15,875 0.6%
HESAY US HERMES INTL-UNSPONSORED ADR IBKR 88 $177.56 $15,625 0.6%
MSCI US MSCI INC IBKR 27 $563.09 $15,203 0.5%
AMZN US Amazon Robinhood 55 $254.77 $14,013 0.5%
KNSL US KINSALE CAPITAL GROUP INC IBKR 37 $372.51 $13,783 0.5%
AUTO LN AUTOTRADER GROUP PLC IBKR 2,000 GBP 5.06 $13,667 0.5%
IWS US Vanguard Russell Mid-Cap Value ETF Citi 78.24 $169.85 $13,289 0.5%
WSO US WATSCO INC IBKR 40 $314.98 $12,599 0.5%
THEP FP THERMADOR GROUPE IBKR 145 EUR 72.40 $12,170 0.4%
SGOV Cash-equivalent (T-Bill ETF) Citi 113.67 $100.42 $11,415 0.4%
MC FP LVMH MOET HENNESSY LOUIS VUI IBKR 20 EUR 445.00 $10,318 0.4%
IEFA US MSCI EAFE ETF Citi 102.63 $99.76 $10,239 0.4%
PGR US PROGRESSIVE CORP IBKR 33 $220.54 $7,278 0.3%
ITOT US iShares Total US Stock Market ETF Citi 43.11 $167.39 $7,216 0.3%
NFLX US Netflix Robinhood 80 $82.31 $6,585 0.2%
1651 HK PRECISION TSUGAMI CHINA CORP IBKR 1,000 HKD 50.95 $6,498 0.2%
MAB1 LN MORTGAGE ADVICE BUREAU HOLDI IBKR 850 GBP 5.03 $5,779 0.2%
COST US Costco Robinhood 6 $930.86 $5,585 0.2%
CTT SS CTT SYSTEMS AB IBKR 380 SEK 141.00 $5,572 0.2%
CRM US Salesforce Robinhood 20 $255.84 $5,117 0.2%
SPDW US SPDR Developed World Ex-US ETF Citi 98.39 $51.42 $5,059 0.2%
LVMUY US LVMH Schwab - Dave 35 $101.58 $3,555 0.1%
MBGL US MOBILITY GLOBAL INC IBKRSchwab - Dave 174 $19.83 $3,488 0.1%
TJX US TJ Maxx Robinhood 20 $131.84 $2,637 0.1%
SPMD US SPDR Mid-Cap ETF Citi 28.09 $65.81 $1,849 0.1%
META US Meta Robinhood 3 $592.38 $1,777 0.1%

Exposures

Based on $2,623,894 classified portfolio value (excludes cash & equivalents). Themes may overlap.

Geography
United States
52.7%
United Kingdom
17.8%
Global
12.0%
International Developed
5.8%
Netherlands
2.3%
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
18.3%
Global Equity ETF
12.0%
Financial Planning & Wealth Management
7.0%
International Developed Equity ETF
5.8%
Payment Processing Services
5.3%
Financial Data & Analytics
3.8%
Semiconductors
3.1%
US Large Cap ETF (Equal Weight)
2.9%
Investment Platforms & Brokerage
2.8%
Wealth Management Platforms
2.6%
Semiconductor Equipment
2.3%
Life Sciences Tools & Services
1.9%
Credit Ratings & Research
1.8%
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%
Exchanges & Electronic Trading
1.2%
Building Materials
1.2%
Specialty Insurance Wholesale
1.2%
US Mid Cap Value ETF
1.2%
US Small Cap Value ETF
1.2%
Specialty Construction Equipment
1.1%
Off-Price Retail
1.1%
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%
E-Commerce & Cloud Computing
0.5%
Personal Luxury Goods
0.5%
Specialty Casualty Insurance
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%
Mortgage Advice & Broking
0.2%
Warehouse Club Retail
0.2%
Aerospace Cabin Systems
0.2%
Enterprise CRM Software
0.2%
US Mid Cap ETF
0.1%
Social Media & Digital Advertising
0.1%
Themes
Passive / Index45.7%
UK Quality Compounders16.8%
Capital-Light Financials12.7%
Financial Data & Analytics7.4%
Capital Markets Infrastructure6.9%
Semiconductors & Equipment5.4%
Payments Networks5.3%
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

YearBetterment
Opened Sept 2020
Citi
Opened Nov 2024
Schwab - Amber
Opened March 2022
Schwab - DaveRobinhoodInteractive 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

$2.6M $2.7M $2.8M Jun '26 Jul '26 Jul '26 Aug '26 Sep '26