| Ticker | Name | Type | Sector | Shares | Avg Cost | Current | Gain/Loss | Value | Weight | Source | Data Age |
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⚠️ Tech concentration: Your portfolio is heavily weighted in tech. A 2022-style correction (-55% for Nasdaq) would wipe ~$400K+ from current holdings. Advisor strongly recommends diversifying 20–30% into defensive sectors.
📅 Mira's college (2027): 2 years away. ScholarShare 529 at $267K is a strong start, but top schools cost $80–100K/yr. Plan for a ~$60–130K gap over 4 years depending on school choice. This is a near-term cash flow event.
💊 Healthcare: AMD covers health insurance now. At retirement, budget $2,500–3,500/mo for a quality couple's plan until Medicare eligibility at 65.
🏠 Home equity: Foster City median home price is now ~$1.5–1.8M. Your $840K purchase likely has $600K–900K in equity. Downsizing at retirement could inject significant liquidity.
💼 Plannery exit scenario: A successful exit would be transformative. Even a modest $5M outcome at your ownership stake would make retirement effectively certain. Model conservatively but plan for upside.