Cluster V Spec
Allocation overview
Live read-only view of fund composition, asset classes, and auto-invest rules across institutional and self-directed accounts. Prices are pulled live; dollar balances are intentionally never shown. Holdings synced to portfolio snapshot dated 2026-06-27.
Self-Directed Brokerage
Active investment funds and thematic tech vehicles managed within the primary taxable brokerage account.
| Symbol | Fund / Asset Description | Asset Class | Last Price | Today G/L | Auto-Invest Rule / Schedule | Status |
|---|---|---|---|---|---|---|
SCHD |
Schwab U.S. Dividend Equity ETF | Large-Cap Value / Dividend Growth | -- | -- | Weekly (Friday) | Core Holding |
VTI |
Vanguard Total Stock Market ETF | Broad U.S. Equities | -- | -- | Weekly (Friday) | Active |
SPMO |
Invesco S&P 500 Momentum ETF | Large-Cap Momentum | -- | -- | Buy & Hold | Active |
DGRO |
iShares Core Dividend Growth ETF | Dividend Appreciation | -- | -- | Weekly (Friday) | Active |
GOOG |
Alphabet Inc. Class C | Large-Cap Technology (Communication Services) | -- | -- | Buy & Hold | Active |
KO |
Coca-Cola Co. | Consumer Staples (Defensive Value) | -- | -- | Buy & Hold | Active |
WQTM |
WisdomTree Quantum Computing Fund | Thematic Tech (Quantum & AI) | -- | -- | Weekly (Thursday) | Tactical |
SGOV |
iShares 0-3 Month Treasury Bond ETF | Cash & Money Market (Ultra-Short Treasury) | -- | -- | Buy & Hold | Core Cash |
SPAXX |
Fidelity Government Money Market Fund | Core Cash / Money Market | -- | -- | Weekly (Thursday) (Transfer from Grow) | Core Cash |
Tax-Free Retirement Growth
Core growth indexes coupled with defensive premium-income generation strategies. Funded via Backdoor Roth (non-deductible Traditional IRA converted to Roth).
| Symbol | Fund / Asset Description | Asset Class | Last Price | Today G/L | Auto-Invest Rule / Schedule | Status |
|---|---|---|---|---|---|---|
SCHD |
Schwab U.S. Dividend Equity ETF | Large-Cap Value / Dividend Growth | -- | -- | Reinvest Dividends | Core Holding |
SCHG |
Schwab U.S. Large-Cap Growth ETF | Large-Cap Growth | -- | -- | Bi-weekly (Wed & Fri) | Core Holding |
JEPI |
JPMorgan Equity Premium Income ETF | Derivative Income (Covered Calls) | -- | -- | Reinvest Dividends | Active |
JEPQ |
JPMorgan Nasdaq Equity Premium Income ETF | Derivative Income (Covered Calls) | -- | -- | Bi-weekly (Wed & Fri) | Active |
EDGQ |
Global X Nasdaq 100 Income Edge ETF | Derivative Income (Covered Calls) | -- | -- | Reinvest Dividends | Tactical |
SPAXX |
Fidelity Government Money Market Fund | Core Cash / Money Market | -- | -- | Sweep | Core Cash |
Backdoor Roth Conduit
Conduit account used for the non-deductible contribution step of the Backdoor Roth process. Held in cash sweep between conversions.
| Symbol | Fund / Asset Description | Asset Class | Last Price | Today G/L | Status |
|---|---|---|---|---|---|
SPAXX |
Fidelity Government Money Market Fund | Core Cash / Money Market | -- | -- | Core Cash |
401(k) Index Portfolios
Institutional index portfolios and employer-matched tax-advantaged positions. Contribution mix weights reflect ongoing payroll deferrals.
| Ticker | Fund / Asset Description | Asset Class | Last Price | Today G/L | Contribution Mix Weight | Status |
|---|---|---|---|---|---|---|
VINIX |
Vanguard Institutional Index Fund Inst | Core U.S. Equities (S&P 500) | -- | -- | 50.00% | Core Holding |
VBTIX |
Vanguard Total Bond Market Index Fund Inst | U.S. Investment Grade Bonds | -- | -- | 15.00% | Active |
VTSNX |
Vanguard Total International Stock Index Fund Inst | Foreign Large Blend (International) | -- | -- | 15.00% | Active |
VIEIX |
Vanguard Extended Market Index Fund Inst | U.S. Mid/Small-Cap Blend | -- | -- | 10.00% | Active |
VAIPX |
Vanguard Inflation-Protected Securities Fund Adm | U.S. Inflation-Indexed Bonds | -- | -- | 5.00% | Active |
VUSXX |
Vanguard Treasury Money Market Fund | U.S. Government Money Market (Cash Eq.) | -- | -- | 5.00% | Active |
BSFIX |
Baron Small Cap Fund Institutional Class | Small-Cap Growth | -- | -- | 0.00% Hold only | Hold |
Triple Tax-Advantaged Portfolio
HSA investment balance deployed in high-efficiency index funds for tax-free growth.
| Symbol | Fund / Asset Description | Asset Class | Last Price | Today G/L | Bi-Weekly Auto-Invest Weight | Status |
|---|---|---|---|---|---|---|
SWPPX |
Schwab S&P 500 Index Fund | Core U.S. Equities (S&P 500) | -- | -- | 60.00% | Core Holding |
VIGIX |
Vanguard Growth Index Fund Institutional | Large-Cap Growth | -- | -- | 25.00% | Active |
VIEIX |
Vanguard Extended Market Index Fund Institutional | U.S. Mid/Small-Cap Blend | -- | -- | 15.00% | Active |
VBTLX |
Vanguard Total Bond Market Index Fund Admiral | U.S. Investment Grade Bonds | -- | -- | 0.00% Hold only | Hold |
Speculative Sleeve
Small speculative digital-asset sleeve held outside the core retirement plan. Live spot prices quoted in USD.
| Symbol | Asset | Asset Class | Last Price | Today G/L | Status |
|---|---|---|---|---|---|
BTC |
Bitcoin | Crypto (Layer 1) | -- | -- | Active |
ETH |
Ethereum | Crypto (Smart Contract) | -- | -- | Active |
SOL |
Solana | Crypto (Smart Contract) | -- | -- | Tactical |
XLM |
Stellar Lumens | Crypto (Payments) | -- | -- | Tactical |
ADA |
Cardano | Crypto (Smart Contract) | -- | -- | Tactical |
XRP |
XRP | Crypto (Payments) | -- | -- | Tactical |
Single-Stock Sleeve
Fractional individual-stock positions held in the Cash App brokerage sleeve.
| Symbol | Company | Asset Class | Last Price | Today G/L | Status |
|---|---|---|---|---|---|
AAPL |
Apple Inc. | Large-Cap Technology | -- | -- | Active |
AZN |
AstraZeneca PLC (ADR) | Healthcare / Pharmaceuticals | -- | -- | Active |
META |
Meta Platforms Inc. | Large-Cap Technology (Communication Services) | -- | -- | Active |
BAC |
Bank of America Corp. | Financials (Banking) | -- | -- | Active |