Budget Models
Allocation frameworks built from fund-level behavior, structured for advisors to apply directly to client planning conversations.
Budget Frameworks
Reserve Protection Model
Weighted toward fixed income and cash equivalents, designed to hold value through short-term market stress.
Income Stability Model
Prioritizes consistent yield over capital appreciation, suited to near-term liquidity needs.
Blended Mandate Model
A working split between equity and fixed income, rebalanced quarterly against target bands.
Diversified Core Model
Spreads exposure across five fund categories to reduce single-strategy dependence.
Expansion Capital Model
Built for business owners deploying capital over a five-year-plus horizon with higher risk tolerance.
Concentrated Growth Model
Fewer, higher-conviction fund positions for clients comfortable with wider swings.
Allocation Models
| Category | Reserve Protection | Blended Mandate | Expansion Capital |
|---|---|---|---|
| Equity Funds | 15% | 55% | 78% |
| Fixed Income | 70% | 35% | 10% |
| Alternatives | 5% | 8% | 10% |
| Cash Reserve | 10% | 2% | 2% |
Planning that accounts for real fund friction
Every model on this page factors in redemption windows, fee structures and rebalancing costs — the details that separate a plan that looks good on paper from one that holds up in practice.
- →Quarterly rebalancing thresholds built into every model
- →Liquidity windows mapped against redemption terms
- →Fee drag calculated across the full holding period
Forecast Examples
YEAR 1
Capital deployed across core positions
Initial allocation split across the model's target categories, with a conservative entry pace over the first two quarters.
YEAR 2–3
Rebalancing against target bands
Positions are adjusted as funds drift from target weight, with allocation shifts reviewed each quarter.
YEAR 4–5
Maturity and drawdown planning
Later-stage models shift weight toward capital preservation as the planning horizon approaches its target date.
Bring the model into the client conversation
Each budget model is paired with a summary view built for client meetings — allocation targets, rebalancing schedule and projected fee impact on one screen.
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