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Abernathy household review packet, October 15 review

Abernathy household review packet, October 15 review

An adviser preparing a household review packet

Review packet Abernathy household Quillfield Wealth Advisors

Owner: Rebecca Stroud. Updated Oct 1, 2026.

Review details

Review Thursday, October 15, 2026 5 of 7 accounts reconciled 401k rollover listed as open Shared after adviser review

The packet Thomas Whitaker opens for the Abernathy annual review on Thursday, October 15, 2026: the accounts as reconciled, the items still open, the commitments from the April 21 review and the questions for the meeting. Anything not yet confirmed is named as open and never estimated. Prepared by Rebecca Stroud and Linnea Holmqvist at Quillfield Wealth Advisors for Anne and Gerald Abernathy, from records checked on Tuesday, September 29, 2026. It goes to the household once Thomas has reviewed it. Issued Thursday, October 1, 2026.

Agenda for October 15. The step marks show how far each section of the packet is prepared today.

✓Last year's commitments
Accounts and open items
The plan
Questions and decisions
Next steps and dates
Details
HouseholdAnne and Gerald Abernathy
Review dateThursday, October 15, 2026
Lead adviserThomas Whitaker, Quillfield Wealth Advisors
Statements coveredReconciled to the custodian records through September 25, 2026; the September 30 statements are added when they arrive
Packet statusFive of seven accounts reconciled; seven items open and named below
Plan sectionThomas Whitaker finishes it after the 2025 tax return arrives, due October 9

Accounts in the packet

The household holds seven accounts. Five are reconciled to the custodian's records. Two are open, and each one is named with its reason. An account that is not reconciled is listed as open and carries no estimate.

AccountTypeWhat the packet usesStatus
Joint brokerage accountTaxable brokerageReconciled to the custodian record on Sep 25Reconciled
Anne Abernathy individual brokerage accountTaxable brokerageReconciled to the custodian record on Sep 25Reconciled
Gerald Abernathy traditional IRAIRAReconciled on Sep 25; the receiving account for the IRA consolidationReconciled
Gerald Abernathy second IRAIRAReconciled on Sep 25; the two IRAs are still separateReconciled
Gerald Abernathy individual brokerage accountTaxable brokerageReconciled to the custodian record on Sep 25Reconciled
Rollover account from Gerald's former employer 401kEmployer plan rolloverDeposit confirmation from the custodianOpen: rollover not reflected
Variable annuityAnnuitySeptember statement from the annuity providerOpen: statement late

Read the chart below from left to right. Seven accounts are held, one is taken out because the rollover is not yet reflected, one more because the annuity statement is late, and five remain reconciled for the packet.

Last year's commitments

Three decisions came out of the April 21 review. Two are complete. One is waiting on the household. The notes from last October's annual review and from April 21 are filed behind this section for Thomas to open during the meeting.

Decisions from the April 21 review
✓Raise the monthly distribution. Owner: Thomas Whitaker. Completed May 2; the new distribution started in May
✓Update beneficiaries on all accounts. Owner: Rebecca Stroud. Completed on every account in May, the last on May 20
Consolidate Gerald's two IRAs. Owner: Rebecca Stroud. Waiting 41 days: the corrected transfer form needs Anne's signature

The consolidation is the only commitment that carries over. The receiving custodian rejected the first transfer form because of a signature mismatch. Rebecca sent a corrected form for Anne to sign and logged the delay against the decision. The packet reports the consolidation as open on October 15, not as complete.

Open items, named and not estimated

The 401k rollover is listed as open, not estimated

Rollover account. The rollover check from Gerald's former employer was mailed to the household instead of the custodian, so the new account shows no balance. Rebecca Stroud listed the rollover as an open item in this packet instead of showing an estimated balance. Owner: Linnea Holmqvist, who confirms the deposit with the custodian before October 15. If the deposit has not posted by then, the account stays listed as open and Thomas explains where it stands at the meeting.Variable annuity. The September statement from the annuity provider is late, so the annuity is not yet reconciled for the packet. Owner: Linnea Holmqvist, who requests the statement from the annuity provider.

I would rather show Anne and Gerald an open item than a number nobody has confirmed. The packet only states what the custodian has put in writing.

Rebecca StroudClient service director, Quillfield Wealth Advisors

Seven items are open before the review. Days waiting are counted on September 29.

Open itemOwnerWaitingNext step
IRA consolidation transfer formRebecca Stroud41 daysSubmit the corrected form before the Oct 15 review
2025 tax returnZaid Bukhari19 daysReceive the return by Oct 9
Long-term care policy statementZaid Bukhari19 daysFollow up with the insurer on Oct 2
401k rollover depositLinnea Holmqvist12 daysConfirm the deposit with the custodian before the review
Trust certification signed by both trusteesRebecca Stroud8 daysOpen the trust account by Oct 20
Identification documents for both trusteesRebecca Stroud8 daysUpload both documents through the secure request
Variable annuity statementLinnea Holmqvist6 daysRequest the statement from the annuity provider

The count below is the one the household sees on the first page of the packet.

Questions for the meeting

Agenda items and follow-ups

Checklist
Answer the household's long-term care funding question, raised in the spring. Owner: Thomas Whitaker, October 15
Confirm the rollover deposit with the custodian and update the accounts table. Owner: Linnea Holmqvist, before October 15
Receive the 2025 tax return so the tax projection can be prepared. Owner: Zaid Bukhari, by October 9
Submit the corrected IRA transfer form once Anne has signed it. Owner: Rebecca Stroud, before October 15
Report the distribution change and the beneficiary update as complete. Owner: Thomas Whitaker, October 15
Ask Anne and Gerald what has changed since April and whether the plan section should reflect it. Owner: Thomas Whitaker, October 15
✓Add the long-term care question to the October agenda and note the delay. Owner: Thomas Whitaker, done

What this packet does and does not do

The packet reports the state of accounts, documents and service work. It shows no estimate for an account that is not reconciled. It contains no investment, tax or legal advice: analysis and recommendations are Thomas Whitaker's, given at the meeting.

Who prepared this packet

TWThomas WhitakerLead adviser, Quillfield Wealth Advisors, opens the packet and decides the analysis and recommendations
LHLinnea HolmqvistParaplanner, Quillfield Wealth Advisors, reconciles the accounts
RSRebecca StroudClient service director, Quillfield Wealth Advisors, keeps the open items list
AAAnne AbernathyClient, receives the packet after adviser review

Demo client portal. Quillfield Wealth Advisors, the Abernathy household, the people and every figure are fictional sample data. Built on FuseBase.