Financial Planning Sandbox
Client Portfolios
Two mock family clients, each with unique financial goals, risk tolerances, and investment strategies. Select a client below to explore their portfolio, allocation, and our advisory relationship.
This is a simulated advisory practice. All client profiles, holdings, and statistics are fictional. Created to demonstrate financial planning methodology and portfolio construction skills.
The Martins
James Martin (Software Engineer) · Sarah Martin (Marketing Manager)
James and Sarah are a young couple based in Austin, TX who recently started a family. They have a 2-year-old daughter and are expecting their second child. They bought their first home in 2024 with a $320K mortgage at 6.8%. They have $18K in student loans remaining and want to build a diversified portfolio that grows steadily while they focus on their careers and family. They max out their 401(k) employer match but haven't opened taxable brokerage accounts until now.
Investment Strategy
A balanced growth strategy emphasizing low-cost index exposure and blue-chip dividend growers. We maintain a 70/20/10 split across equities, real estate, and alternatives. The portfolio prioritizes companies with strong free cash flow and defensive moats to weather volatility while compounding over a 30-year horizon. Annual rebalancing with tax-loss harvesting in taxable accounts.
Financial Goals
$120,000 by 2044
50% equity by 2035
6 months expenses
$1.2M net worth by 55
Portfolio Value
$62K
Total Return
+18.0%
Positions
6
Risk Profile
Moderate
The Martins — Portfolio Distribution
Equities
Target: 70%|Actual: 72%
Commercial RE
Target: 15%|Actual: 12%
Alternatives
Target: 15%|Actual: 16%