Okafor-Lind household
Multigenerational family trust. $5M+. $31.6M. Grantor is 79, next generation unengaged. The asset-retention archetype.
A. Okafor-Lind, 79 and T. Okafor-Lind, 25 and N. Okafor-Lind, 22. Liquidity covers 60 months of 24 wanted; single name none against the family's 10% rule. 2 opportunities are on the list.
Advice state against Liquidity, Longevity, Legacy
| Strategy | Funded | Target | Coverage | Driving assumption |
|---|---|---|---|---|
| Liquidity | 60 months | 24 months | 24 months of trust distributions | |
| Longevity | $12M | $10M | Grantor, age 79 | |
| Legacy | $18M | $20M | Next generation, currently unengaged |
Holdings
| Holding | Value | Weight |
|---|---|---|
| Diversified core model | $29.8M | 94% |
| Cash | $1.8M | 6% |
IPS constraints and persons
- At most 10% in any one stock
- Keep 12 months of cash before locking money up
- Risk level at most 3 of 5
Persons (3): A. Okafor-Lind, trustee; T. Okafor-Lind, beneficiary; N. Okafor-Lind, beneficiary. Each person counts separately toward the retail-investor threshold.
People
- A. Okafor-Lind, 79 (trustee)
- T. Okafor-Lind, 25 (beneficiary)
- N. Okafor-Lind, 22 (beneficiary)
How to work with this client
- Channel: call
- Best time: Tuesdays, with the trustee's daughter joining
- Notes: full
- Escalate unsigned forms after: 14 days
- Speak to the client before any written note
Contact history and team notes
- Meeting, 60 days ago: Trustee meeting; next generation did not attend
- Client service associate, 3 days ago: T. Okafor-Lind turns 25 this month; the trust's distribution provision activates.
Open tasks
- Invite both beneficiaries to a next-generation session (Advisor, due in 14 days)
- Refresh client information for two beneficiaries (Client service associate, 1 days overdue)
Paperwork
- Client information refresh: T. Okafor-Lind (5 days open)
- Client information refresh: N. Okafor-Lind (5 days open)
- Trust certification
Service requests
- “Please change the primary beneficiary on the trust account to N. Okafor-Lind.”
Documents 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: A beneficiary turns 25; a trust payout rule starts. Who to call