Marchetti-Oyelaran household
Blended family, estate in flux. $5M+. $6.9M. A 68-year-old retiree and a 41-year-old spouse; a new power of attorney arrived from the spouse's sibling; children from the first marriage are the named beneficiaries.
G. Marchetti, 68 and F. Oyelaran, 41 and L. Marchetti, 39. Liquidity covers 84 months of 24 wanted; single name none against the family's 10% rule. 1 opportunity is on the list.
Advice state against Liquidity, Longevity, Legacy
| Strategy | Funded | Target | Coverage | Driving assumption |
|---|---|---|---|---|
| Liquidity | 84 months | 24 months | 24 months of spending at $19K a month | |
| Longevity | $6.1M | $5.5M | G.'s spending to 95, F.'s to 100 | |
| Legacy | $0 | $1.5M | Stated intent: equal treatment of L. and F., not yet documented |
Holdings
| Holding | Value | Weight |
|---|---|---|
| Diversified core model | $5.3M | 77% |
| Cash | $760K | 11% |
| Municipal ladder | $840K | 12% |
IPS constraints and persons
- At most 10% in any one stock
- Keep 18 months of cash before locking money up
- Risk level at most 3 of 5
Persons (3): G. Marchetti, primary; F. Oyelaran, spouse; L. Marchetti, beneficiary. Each person counts separately toward the retail-investor threshold.
People
- G. Marchetti, 68 (primary)
- F. Oyelaran, 41 (spouse)
- L. Marchetti, 39 (beneficiary)
How to work with this client
- Channel: email
- Best time: Weekday mornings, G. on the line
- Notes: full
- Escalate unsigned forms after: 14 days
Contact history and team notes
- Call, 45 days ago: G. asked about updating beneficiaries; said F. would follow up
- Meeting, 210 days ago: Annual review; both attended; no changes
- Client service associate, 4 days ago: F. Oyelaran's brother delivered a signed power of attorney for G. and asked for online access to the accounts.
- Advisor, 44 days ago: G. sounded uncertain about which children he meant. Follow up with both spouses on the line.
Open tasks
- Confirm the power of attorney with G. directly, by phone on the number on file (Advisor, due today)
- Ask Legal whether the POA is on the firm's form (Client service associate, due in 1 days)
Paperwork
- Beneficiary designation update (44 days open)
- Trusted contact designation (44 days open)
Service requests
None open.
All service requestsDocuments this client's view is grounded in
Composite persona: built from
Money elsewhere, and the next conversation
Nothing on file says money is held elsewhere; wallet share reads as 100%. Wallet share
Next conversation: Someone new wants to act on G.'s account; the estate wishes are not written down. Who to call
Open opportunities
- Power of attorney presented; beneficiaries and Legacy intent undocumented. Evidence