Who's who
Cited composites: invented names and exact figures, each figure set inside a cited range. No real client or advisor. Full detail in docs/PERSONAS.md.
Advisors
Margaret Ellison
Senior advisor, founder and executive practice, New York
About $820M across 183 households; four relationships above $50M
- Practice built around founders, liquidity events and concentrated stock
- Team: advisor, junior advisor, client service associate, shared wealth strategist
- Book about twice UBS's reported average per advisor (about $353M to $425M)
- 19 years in the industry, 3 at the current firm
Daniel Okoro
Wealth Advice Center advisor, remote coverage
About 1,000 households, each under $250K investable
- Remote, pooled coverage from the Weehawken, Charlotte or Dallas hub
- Clients under $250K investable
- About 1,000 households: 200+ professionals serving 200,000 to 300,000 clients
Thomas Reinholt
Senior advisor, business-owner and retiree practice, Chicago
About $610M across 142 households; most between $5M and $25M
- Practice built around owners of closely held businesses before and after a sale, and the retirees they become
- Team: advisor, associate advisor, client service associate, shared planning specialist
- Book about 1.5 times UBS's reported average per advisor
- 24 years in the industry, 11 at the current firm; a disclosed seat on a community foundation's investment committee
Households
| Household | Tier | Assets | Situation | Built from |
|---|---|---|---|---|
| Abernathy | $5M+ | $19.5M | An inherited utility holding has grown to 38% of assets against a 30% family rule, with a low cost basis and a couple who have not been reached in 200 days | |
| Alcott | $5M+ | $8.4M | Liquidity funded 11 of 36 target months, sequence-of-returns exposure, RMDs beginning | |
| Brandvold | $5M+ | $14.2M | US and UK tax, unvested deferred compensation, PFIC exposure in legacy holdings | |
| Castellanos | $5M+ | $11.8M | Practice sold four months ago; $4.9M in cash and a short ladder at 175 months of spending, a new house being built, and no plan for the rest | |
| Desrosiers | $500K to $5M | $3.4M | Retires in 18 months; a $900K 401(k) is held at the employer's plan; the Longevity number depends on a pension election not yet made | |
| Marchetti-Oyelaran | $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 | |
| Ng | Wealth Advice Center | $95K | Three years into a first career; an emergency fund of two months; asks about speculative investments by text | |
| Okafor-Lind | $5M+ | $31.6M | Grantor is 79, next generation unengaged. The asset-retention archetype | |
| Pell | Wealth Advice Center | $180K | Pooled coverage, contact-rate constrained, the calibrated-supervision test case | |
| Renner | $50M+ | $62.4M | Single position at 71% of investable assets, 10b5-1 plan running, Legacy unfunded | |
| Thornbury | $5M+ | $23.1M | Illiquid operating stake, near-term liquidity need against marketable assets | |
| Vasquez-Hale | $500K to $5M | $1.2M | Pending 401(k) rollover, first advisory relationship |