taxable_sales_allowed: yes
report_type: full
name_initials: JohnD
dob_year: 1976
annual_income: 283500
retirement_age: 65
drift_band_taxfree: 2              # rebalance when drift > 2pp in tax-free accounts
drift_band_taxable: 5              # rebalance when drift > 5pp in taxable accounts


target_equity_debt_ratio: 90/10  # equity% / bond% — must match targets below
target_equity:
  VTI:
    pct: 5
  VEA:
    pct: 5
  VWO:
    pct: 20
  QQQ:
    pct: 60

target_debt:
  AGG:
    pct: 5
  SCHR:
    pct: 5

real_estate:
  - name: North Home
    type: primary
    estimated_value: 506000
    mortgage_balance: 263300
    apr: 2.875
    monthly_payment: 1655           # monthly P+I

  - name: South Home
    type: rental
    estimated_value: 1183000
    mortgage_balance: 365000
    apr: 3.5
    monthly_rent: 4296              # gross monthly rent
    monthly_expenses: 420           # insurance + HOA + maintenance
    monthly_payment: 2812           # monthly mortgage P+I

  - name: East Home
    type: rental
    estimated_value: 718000
    mortgage_balance: 280800
    apr: 3.5
    monthly_rent: 3654              # gross monthly rent
    monthly_expenses: 420           # taxes + insurance + HOA + maintenance
    monthly_payment: 2311           # monthly mortgage P+I

other_assets:
  - name: Education Fund
    description: 529 college savings plan (Fidelity)
    cash_holding: 241375

  - name: CD
    description: Certificate of Deposit (Fidelity)
    cash_holding: 26250

accounts:

  - name: Individual
    type: taxable
    company: Fidelity
    # cash_to_deploy: 10000
    holdings:
      - ticker: SPAXX
        shares: 142323
      - ticker: VWO
        shares: 688.00
      - ticker: VTI
        shares: 512.96
      - ticker: VEA
        shares: 1954.46
      - ticker: QQQ
        shares: 124.93
      - ticker: SCHR
        shares: 2091.24
      - ticker: AGG
        shares: 421.3

  - name: Roth IRA
    type: roth
    company: Fidelity
    holdings:
      - ticker: SPAXX
        shares: 394.49
      - ticker: VTI
        shares: 77.02

  - name: IRA Tech A
    type: deferred
    company: Fidelity
    holdings:
      - ticker: SPAXX
        shares: 30898
      - ticker: SCHR
        shares: 1091.24
      - ticker: QQQ
        shares: 3.47

  - name: Rollover Corp A
    type: deferred
    company: Fidelity
    holdings:
      - ticker: SPAXX
        shares: 107147
      - ticker: VTI
        shares: 143.85

  - name: Roth Corp A
    type: roth
    company: Fidelity
    holdings:
      - ticker: SPAXX
        shares: 11712

  - name: IRA All
    type: deferred
    company: Fidelity
    holdings:
      - ticker: SPAXX
        shares: 1351
      - ticker: SCHR
        shares: 3712.37
      - ticker: AGG
        shares: 104.11