Case Study
The 2026–27 client arrives Sep 15. Until then: the pattern, the past clients, and the math we need on day one.
Client brief worksheet
Saved in this browser only. Once the case is out, the real numbers go into the site's data file so everyone sees them.
Required return
Required return with payouts—
No-payout CAGR—(goal ÷ start)1/years − 1
Show the chartHide the chart
Balance at the end of each year at the required return. Dashed line is the goal. Shaded years have a payout. The blue path lands on the goal by construction; the question is whether the rate is realistic for the risk the client can take.
The pattern
Seven seasons of cases, one shape.
What we build first
IPS outline
- Return objective
- Risk: ability vs. willingness
- Time horizon per goal
- Liquidity and payouts
- Taxes and legal
- Unique circumstances and values
- Target allocation
- Monitoring
Trade-note templateOne note per trade from trade one. The template is in the Playbook.
Two bucketsA near bucket that has to be there on the goal date, and a growth bucket for the long goal. Each holding lives in one of them.
ReferenceMichael's Essentials of Finance notes, shared in the team chat. Part Two covers growing annuities and payouts. Part Seven covers CAPM, DDM and DCF.
Past clients
Newest first. The starting cash, the goals and the twist are what to read the new case for.
Show all seasonsHide older seasons
IPS builder
Private to this browser. The shared draft lives in the team doc.