Allocation by Sector
Top 10 Holdings (Consolidated)
Portfolio by Account
Holdings by Action Category
Consolidated Statement — All Accounts
| Ticker |
Company |
Total Shares |
Price |
Market Value |
% of Portfolio |
Unrealized P&L |
P&L % |
Div Yield |
Accounts |
Action |
Gains & Losses Summary
Unrealized P&L by Position
Day's Change (est.)
April 29, 2026
Sell (Tax-Loss Harvest)
$272.7K
21 positions · harvests $67K in losses
Sell (Flat / Tiny Gain)
$97.8K
Gains offset by harvested losses
Buy (New Growth)
$380.5K
13 new positions + add to 3 existing
Before: Current Portfolio Mix
After: Rebalanced Portfolio Mix
Key Metrics: Before vs After
What to Buy 13 new + 3 additions
| Ticker | Company | Rev Growth | Moat | Buy Amount | Tier |
|---|
Execution Phases
Phase 1 — Week 1: Sell Losers
- NVO partial (3,112 sh) — harvest -$30.6K loss
- AMGN — harvest -$17.2K loss
- KO ML1 — harvest -$7.5K loss
- MO ML1 — harvest -$5.5K loss
- BYND, WBD, PATH, GIS, PEP, UL, PFE, MDT
Phase 1 — Week 1: Start Buying Core
- AMZN — $85,000
- GOOGL — $65,000
- META — $55,000
Phase 2 — Week 2-3: Sell Flat Positions
- T all accounts — $60.3K (gain only +$1.7K)
- MO BRK_B, MMM, O, MICC, GILD, RPI
- MPLX — eliminates K-1
- KO ML2 — offset by losses
Phase 2 — Week 2-3: Build Positions
- AVGO — $40,000
- NFLX — $25,000
- NOW — $20,000
Phase 3 — Week 4: Complete Buildout
- CRWD $15K, SHOP $15K, ARM $12K, MELI $12K, ANET $10K, UBER $10K, NU $8K
- Add to existing: NVDA +$5K, MSFT +$2K, TSM +$1.5K
5-Year Portfolio Growth Projection
Growth vs Locked Legacy Over Time
Locked Legacy as % of Portfolio
Cumulative Dividend Tax Savings (Growth Strategy vs. Old Strategy)
Projection Assumptions
Growth Positions (~72% of portfolio): 15% annualized return based on weighted avg revenue growth of 18-22% across holdings. Historically, portfolios of high-quality growth stocks with 15%+ revenue growth have delivered 12-18% annualized returns over 5-year periods.
Locked Legacy (~28% of portfolio): Conservative 3% annual appreciation (dividend yield reinvested minus tax drag). These are mature businesses with limited capital appreciation potential.
New Capital: No additional contributions assumed. All growth is from appreciation only.
Tax Drag Reduction: Annual dividend tax savings of ~$2,600/year growing proportionally as portfolio grows.
Conservative scenario: Growth at 10% + Legacy at 2% = $1.56M by 2030.
Aggressive scenario: Growth at 20% + Legacy at 3% = $2.36M by 2030.
LMA Capacity: Grows from ~$580K to ~$960K as portfolio appreciates — provides increasing liquidity without selling.
Borrowing Capacity
$823K
57% blended advance rate
Safe Limit (40%)
$581K
Margin-call buffer
2030 LMA Capacity
$1.25M
+52% increase
Collateral by Advance Rate Tier
LMA Capacity Growth (5 Years)
Advance Rate Breakdown
| Segment | Holdings | Value | Advance Rate | Borrowing Power |
|---|
| Mega-cap growth | AMZN, GOOGL, META, AAPL, AVGO, NFLX, MSFT | $357K | 65% | $232K |
| Large-cap growth | NVO, AMD, LMT, TSM, NVDA | $231K | 55% | $127K |
| Index ETF | VOO | $67K | 65% | $44K |
| Locked legacy (ML1+ML2) | SHEL, ED, XOM, BNS, MO | $249K | 55% | $137K |
| Locked legacy (ML3) | JNJ, KO, BNS, PG, MCD | $317K | 55% | $174K |
| MLP (may be ineligible) | ET | $61K | 40% | $24K |
| Mid-cap growth | NOW, CRWD, SHOP, ARM, UBER, ANET, MELI, NU, etc. | $142K | 50% | $71K |
| Total | | $1,452K | 57% avg | $823K |