Family Savings

Last updated September 17, 2026

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 WeightTotal Value PositionsCash
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

TickerNameAccount SharesPrice ValueWeight
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

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 Aug '26 Aug '26 Sep '26