Ng household
First savings, remote coverage. Wealth Advice Center. $95K. Three years into a first career; an emergency fund of two months; asks about speculative investments by text.
W. Ng, 33. Liquidity covers 2 months of 6 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 | 2 months | 6 months | 6 months of spending at $4.2K a month | |
| Longevity | $87K | $1.2M | Retirement at 65; contributions of $900 a month | |
| Legacy | $0 | No goal | No legacy goal stated |
Holdings
| Holding | Value | Weight |
|---|---|---|
| Diversified core model | $87K | 91% |
| Cash | $8K | 9% |
IPS constraints and persons
- At most 10% in any one stock
- Keep 3 months of cash before locking money up
- Risk level at most 4 of 5
Persons (1): W. Ng, primary. Each person counts separately toward the retail-investor threshold.
People
- W. Ng, 33 (primary)
How to work with this client
- Channel: video
- Best time: Evenings by text or video
- Notes: brief
- Escalate unsigned forms after: 7 days
Contact history and team notes
- Video, 95 days ago: Onboarding; set the 6-month cash target and the monthly contribution
Open tasks
- Send the emergency-fund explainer (Advisor, due in 3 days)
Paperwork
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: No contact for 95 days. Who to call