Family Savings

Total Family Savings

$2,733,141

across 5 accounts

Total Invested

$1,354,090

net deposits, all time

Allocation by Account

Citi 44.8%Interactive Brokers 44.7%Robinhood 6.2%Schwab - Amber 3.1%Schwab - Dave 1.2%

Accounts

Account	Weight	Total Value	Positions	Cash
Citi	44.8%	$1,224,722	18	$42,330
Interactive Brokers	44.7%	$1,222,000	38	$25,540
Robinhood	6.2%	$168,703	13	$12,804
Schwab - Amber	3.1%	$83,940	3	$25,627
Schwab - Dave	1.2%	$33,777	3	$0

Holdings

Ticker	Name	Account	Shares	Price	Value	Weight
VTI US	Vanguard US Stock Mkt ETF	CitiRobinhoodSchwab - Amber	1,258.24	$375.12	$471,992	17.3%
VT US	Vanguard Total World Stock Mkt ETF	CitiSchwab - Amber	1,961.63	$159.17	$312,233	11.4%
FRP LN	FRP ADVISORY GROUP PLC	IBKR	112,000	GBP 1.19	$178,329	6.5%
VEA US	FTSE Developed Markets ETF	Citi	1,879.72	$72.12	$135,556	5.0%
V US	VISA INC-CLASS A SHARES	IBKRRobinhood	252	$370.93	$93,482	3.4%
SPGI US	S&P GLOBAL INC	IBKRSchwab - Dave	194.51	$406.76	$79,087	2.9%
RSP US	Invesco S&P Equal-Wgt ETF	CitiSchwab - Amber	342.85	$213.64	$73,246	2.7%
AJB LN	AJ BELL PLC	IBKR	9,100	GBP 5.86	$71,289	2.6%
IHP LN	INTEGRAFIN HOLDINGS PLC	IBKR	13,000	GBP 3.67	$63,923	2.3%
ASML US	ASML HOLDING NV-NY REG SHS	IBKR	37	$1,602.22	$59,282	2.2%
TSM US	TAIWAN SEMICONDUCTOR-SP ADR	IBKR	137	$417.72	$57,228	2.1%
TMO US	THERMO FISHER SCIENTIFIC INC	IBKR	84	$648.43	$54,468	2.0%
VWO US	Vanguard EM ETF	Citi	764.88	$59.90	$45,820	1.7%
MCO US	MOODY'S CORP	CitiIBKR	97.93	$465.30	$45,473	1.7%
TCU SP	CREDIT BUREAU ASIA LTD	IBKR	52,700	SGD 1.10	$45,350	1.7%
MA US	MASTERCARD INC - A	IBKR	78	$567.75	$44,284	1.6%
VTV US	Vanguard Large-Cap Value ETF	Citi	192.06	$221.93	$42,625	1.6%
WCN US	WASTE CONNECTIONS INC	IBKR	230	$156.50	$35,995	1.3%
7476 JP	AS ONE CORP	IBKR	2,200	JPY 2,516.50	$35,419	1.3%
983 FP	BALTIC CLASSIFIEDS GROUP	IBKR	12,620	EUR 2.29	$33,131	1.2%
CME US	CME GROUP INC	IBKR	114	$272.46	$31,060	1.1%
USFR US	Cash-equivalent (WisdomTree Floating Rate Treasury ETF)	Citi	612	$50.48	$30,894	1.1%
RYAN US	RYAN SPECIALTY HOLDINGS INC	IBKR	754	$40.29	$30,379	1.1%
SOM LN	SOMERO ENTERPRISES INC- REGS	IBKR	8,628	GBP 2.60	$30,015	1.1%
VBR US	Vanguard Small-Cap Value ETF	Citi	122.71	$240.38	$29,496	1.1%
AMD US	AMD	Robinhood	52	$544.88	$28,334	1.0%
GOOGL US	Google	Robinhood	80	$345.68	$27,654	1.0%
CMPGY US	COMPASS GROUP PLC-SPON ADR	IBKR	842	$30.79	$25,925	0.9%
SGOV US	ISHARES 0-3 MONTH TREASURY B	IBKR	254	$100.55	$25,540	0.9%
MBH LN	MICHELMERSH BRICK HOLDINGS P	IBKR	25,566	GBP 0.73	$25,142	0.9%
6086 JP	SHIN MAINT HOLDINGS CO LTD	IBKR	3,900	JPY 1,007.00	$25,125	0.9%
ROST US	Ross Stores	Citi	108.65	$230.35	$25,028	0.9%
SPYM US	SPDR S&P 500 ETF	Citi	258.70	$89.48	$23,148	0.8%
RWWI US	RAND WORLDWIDE INC	IBKR	1,688	$12.00	$20,256	0.7%
HEI A US	HEICO CORP-CLASS A	IBKR	85	$222.37	$18,901	0.7%
AAPL US	Apple	Robinhood	55	$335.83	$18,471	0.7%
BRK.B US	Berkshire Hathaway	Robinhood	35	$510.51	$17,868	0.7%
VOE US	Vanguard Mid-Cap Value ETF	Citi	84.46	$203.59	$17,194	0.6%
SYK US	STRYKER CORP	IBKR	60	$284.76	$17,086	0.6%
CPRT US	COPART INC	IBKR	550	$30.82	$16,951	0.6%
MSFT US	Microsoft	Robinhood	32	$494.83	$15,834	0.6%
6544 JP	JAPAN ELEVATOR SERVICE HOLDI	IBKR	1,600	JPY 1,504.00	$15,395	0.6%
MSCI US	MSCI INC	IBKR	27	$540.61	$14,596	0.5%
HESAY US	HERMES INTL-UNSPONSORED ADR	IBKR	88	$158.89	$13,982	0.5%
AMZN US	Amazon	Robinhood	55	$251.50	$13,832	0.5%
AUTO LN	AUTOTRADER GROUP PLC	IBKR	2,000	GBP 5.00	$13,369	0.5%
KNSL US	KINSALE CAPITAL GROUP INC	IBKR	37	$360.75	$13,348	0.5%
IWS US	Vanguard Russell Mid-Cap Value ETF	Citi	78.24	$165.43	$12,943	0.5%
WSO US	WATSCO INC	IBKR	40	$304.20	$12,168	0.4%
THEP FP	THERMADOR GROUPE	IBKR	145	EUR 70.80	$11,769	0.4%
SGOV	Cash-equivalent (T-Bill ETF)	Citi	113.67	$100.56	$11,430	0.4%
IEFA US	MSCI EAFE ETF	Citi	102.63	$98.84	$10,144	0.4%
MC FP	LVMH MOET HENNESSY LOUIS VUI	IBKR	20	EUR 410.95	$9,422	0.3%
ITOT US	iShares Total US Stock Market ETF	Citi	43.11	$166.17	$7,164	0.3%
PGR US	PROGRESSIVE CORP	IBKR	33	$216.99	$7,161	0.3%
NFLX US	Netflix	Robinhood	80	$75.50	$6,040	0.2%
1651 HK	PRECISION TSUGAMI CHINA CORP	IBKR	1,000	HKD 45.98	$5,861	0.2%
COST US	Costco	Robinhood	6	$891.53	$5,349	0.2%
CTT SS	CTT SYSTEMS AB	IBKR	380	SEK 132.20	$5,092	0.2%
SPDW US	SPDR Developed World Ex-US ETF	Citi	98.39	$51.18	$5,035	0.2%
CRM US	Salesforce	Robinhood	20	$244.95	$4,899	0.2%
MAB1 LN	MORTGAGE ADVICE BUREAU HOLDI	IBKR	850	GBP 3.57	$4,060	0.1%
MBGL US	MOBILITY GLOBAL INC	IBKRSchwab - Dave	174	$19.94	$3,477	0.1%
LVMUY US	LVMH	Schwab - Dave	35	$94.22	$3,298	0.1%
TJX US	TJ Maxx	Robinhood	20	$125.71	$2,514	0.1%
META US	Meta	Robinhood	3	$676.35	$2,029	0.1%
SPMD US	SPDR Mid-Cap ETF	Citi	28.09	$64.47	$1,811	0.1%

Exposures

Based on $2,543,904 classified portfolio value (excludes cash & equivalents). Themes may overlap.

Geography

United States

53.7%

United Kingdom

16.2%

Global

12.3%

International Developed

5.9%

Japan

2.4%

Netherlands

2.3%

Taiwan

2.2%

Emerging Markets

1.8%

Singapore

1.8%

France

1.0%

Greater China

0.2%

Sweden

0.2%

BICS Sub-Industry

US Total Market ETF

18.8%

Global Equity ETF

12.3%

Financial Planning & Wealth Management

7.0%

International Developed Equity ETF

5.9%

Payment Processing Services

5.4%

Financial Data & Analytics

3.7%

Semiconductors

3.4%

US Large Cap ETF (Equal Weight)

2.9%

Investment Platforms & Brokerage

2.8%

Wealth Management Platforms

2.5%

Semiconductor Equipment

2.3%

Life Sciences Tools & Services

2.1%

Emerging Markets Equity ETF

1.8%

Credit Ratings & Research

1.8%

Credit Bureaus & Financial Data

1.8%

US Large Cap Value ETF

1.7%

Waste Management & Recycling

1.4%

Lab & Scientific Equipment Distribution

1.4%

Exchanges & Electronic Trading

1.2%

Specialty Insurance Wholesale

1.2%

US Mid Cap Value ETF

1.2%

Specialty Construction Equipment

1.2%

US Small Cap Value ETF

1.2%

Internet Search & Advertising

1.1%

Off-Price Retail

1.1%

Outsourced Catering & Food Services

1.0%

Building Materials

1.0%

Facility Management Services

1.0%

Leveraged US Equity ETF

0.9%

Industrial & Engineering Software

0.8%

Aerospace MRO Components

0.7%

Consumer Electronics & Software

0.7%

Diversified Holding Company

0.7%

Medical Devices

0.7%

Enterprise Software & Cloud

0.6%

E-Commerce & Cloud Computing

0.5%

Digital Automotive Classifieds

0.5%

Specialty Casualty Insurance

0.5%

Personal Luxury Goods

0.5%

HVAC Distribution

0.5%

HVAC & Building Products Distribution

0.5%

Property & Casualty Insurance

0.3%

Video Streaming Services

0.2%

Machine Tools & Precision Equipment

0.2%

Warehouse Club Retail

0.2%

Aerospace Cabin Systems

0.2%

Enterprise CRM Software

0.2%

Mortgage Advice & Broking

0.2%

Social Media & Digital Advertising

0.1%

US Mid Cap ETF

0.1%

Themes

Passive / Index46.7%

UK Quality Compounders15.2%

Capital-Light Financials12.5%

Financial Data & Analytics7.3%

Capital Markets Infrastructure6.7%

Semiconductors & Equipment5.7%

Payments Networks5.4%

US Mega Cap Tech4.6%

Life Sciences4.2%

Emerging Markets3.8%

Japan Quality2.4%

Distribution2.3%

Outsourced Services2.0%

Specialty Insurance2.0%

Consumer Retail1.3%

Aerospace & Defense0.9%

Digital Marketplaces0.5%

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	$19,893	$9,200	$29,094	$22,221
Citi	$7,314	$4,300	$11,613	$9,596
Schwab - Dave	$1,978	$222	$2,200	$2,200
Schwab - Amber	$382	$213	$596	$482
Robinhood	$328	$130	$458	$454
Sum	$29,896	$14,065	$43,961	$34,952

Show by holding (65)

Ticker	Account	Received	Remaining	Total	Qualified %
TCU SP	IBKR	$5,480	$911	$6,391	0%
FRP LN	IBKR	$2,142	$3,019	$5,161	100%
VTI US	Citi	$2,528	$1,293	$3,821	94%
MBH LN	IBKR	$1,998	$1,034	$3,032	100%
IHP LN	IBKR	$2,076	$666	$2,741	100%
VT US	Citi	$1,577	$998	$2,575	68%
AJB LN	IBKR	$1,812	$613	$2,425	100%
(reported total)	Schwab - Dave	$1,978	$222	$2,200	100%
VEA US	Citi	$914	$709	$1,622	66%
PGR US	IBKR	$1,036	$3	$1,039	100%
V US	IBKR	$476	$159	$635	100%
VTV US	Citi	$415	$208	$623	100%
RWWI US	IBKR	$616	$0	$616	100%
SOM LN	IBKR	$538	$0	$538	100%
TSM US	IBKR	$366	$152	$518	100%
WSO US	IBKR	$384	$132	$516	100%
RSP US	Citi	$343	$171	$514	92%
7476 JP	IBKR	$0	$482	$482	100%
ASML US	IBKR	$267	$158	$425	100%
ROST US	Citi	$212	$212	$424	100%
VBR US	Citi	$286	$134	$420	76%
THEP FP	IBKR	$359	$0	$359	100%
MAB1 LN	IBKR	$175	$175	$350	100%
MC FP	IBKR	$176	$173	$349	100%
SPGI US	IBKR	$222	$119	$341	100%
IEFA US	Citi	$162	$162	$324	66%
RSP US	Schwab - Amber	$213	$107	$320	92%
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%
VOE US	Citi	$162	$78	$240	95%
SPYM US	Citi	$174	$62	$236	90%
MSCI US	IBKR	$166	$55	$221	100%
CME US	IBKR	$61	$148	$209	100%
1651 HK	IBKR	$77	$115	$192	0%
CTT SS	IBKR	$97	$93	$190	100%
IWS US	Citi	$121	$47	$168	95%
SYK US	IBKR	$53	$106	$158	100%
TMO US	IBKR	$115	$39	$155	100%
SPDW US	Citi	$71	$71	$142	56%
HESAY US	IBKR	$0	$132	$132	100%
MSFT US	Robinhood	$87	$29	$116	100%
VWO US	Citi	$54	$54	$109	66%
MCO US	IBKR	$71	$24	$95	100%
ITOT US	Citi	$52	$20	$71	94%
GOOGL US	Robinhood	$52	$18	$70	100%
VTI US	Robinhood	$41	$21	$62	94%
AAPL US	Robinhood	$44	$15	$59	100%
COST US	Robinhood	$25	$18	$43	100%
V US	Robinhood	$30	$10	$40	100%
TJX US	Robinhood	$28	$10	$37	100%
KNSL US	IBKR	$28	$9	$37	100%
HEI A US	IBKR	$21	$11	$32	100%
CRM US	Robinhood	$18	$9	$26	100%
SPMD US	Citi	$11	$6	$17	57%
MBGL US	IBKR	$6	$0	$6	100%
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	$0	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	$815	$312	$1,127
Capital One Savings	$704	$346	$1,050
Sum	$2,542	$1,189	$3,731

Show by holding (4)

Ticker	Account	Received	Remaining	Total
USFR US *	Citi	$753	$392	$1,144
SGOV US *	IBKR	$815	$312	$1,127
(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.

Realized Capital Gains

Realized gains/losses from positions actually sold this year (not unrealized/paper gains on current holdings), by ticker. IBKR rows are computed from trade data; the short/long-term split comes from its "Realized & Unrealized Performance Summary" report (a portal document, not the Flex API), since Flex never records which tax lot a closing trade was matched against. IBKR figures reflect a snapshot as of 2026-08-14 (re-pull the report periodically as new sales happen). Non-IBKR sales are entered manually from each account's own statement. $2,014 of IBKR realized gains is still unclassified (flagged "needs refresh" below) and excluded from the Short-Term/Long-Term columns, but is included in the Sum row's Total. Not tax advice.

Ticker	Account	Date	Short-Term	Long-Term	Total
SGOV needs refresh	IBKR	2026-07-29 – 2026-09-11	—	—	-$17
MBH needs refresh	IBKR	2026-09-10	—	—	-$1,997
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	-$2,062

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