Portfolio Commentary

  • $3.2M personal portfolio
    • 80% growth / 20% ballast — drift within ±0.5% of IPS targets
    • Concentrated lots (AAPL, MSFT) trimming toward <8% each
    • Cash reserve held at $90K; excess redeployed to EM & liquid RE
  • Roadmap — Q3 2026
    • Open & fund family HSA ($8,750)
    • Backdoor Roth (his + her, $14K)
    • Begin Solo 401(k) deferrals ($24.5K)
  • Q4 2026 · year-end funding & rebalance
    • Solo 401(k) employer contribution ($47.5K)
    • Trim concentrated lots: AAPL / MSFT to 1% target
  • High-level
    Stay the course — no tactical tilts pending the Q1 2027 IPS review.
  • US equity 55.4%
  • Intl & EM equity 18.4%
  • Bonds & ballast 15.6%
  • Concentrated (AAPL, MSFT) 5.8%
  • Liquid real estate 3.2%
  • Cash 1.6%
Lindy Wealth
as of May 31, 2026