Review details
Review Thursday, October 15, 2026 5 of 7 accounts reconciled 401k rollover listed as open Shared after adviser review
The packet Thomas Whitaker opens for the Abernathy annual review on Thursday, October 15, 2026: the accounts as reconciled, the items still open, the commitments from the April 21 review and the questions for the meeting. Anything not yet confirmed is named as open and never estimated. Prepared by Rebecca Stroud and Linnea Holmqvist at Quillfield Wealth Advisors for Anne and Gerald Abernathy, from records checked on Tuesday, September 29, 2026. It goes to the household once Thomas has reviewed it. Issued Thursday, October 1, 2026.
Agenda for October 15. The step marks show how far each section of the packet is prepared today.
- Last year's commitments
- Accounts and open items
- The plan
- Questions and decisions
- Next steps and dates
- Household
- Anne and Gerald Abernathy
- Review date
- Thursday, October 15, 2026
- Lead adviser
- Thomas Whitaker, Quillfield Wealth Advisors
- Statements covered
- Reconciled to the custodian records through September 25, 2026; the September 30 statements are added when they arrive
- Packet status
- Five of seven accounts reconciled; seven items open and named below
- Plan section
- Thomas Whitaker finishes it after the 2025 tax return arrives, due October 9
Accounts in the packet
The household holds seven accounts. Five are reconciled to the custodian's records. Two are open, and each one is named with its reason. An account that is not reconciled is listed as open and carries no estimate.
| Account | Type | What the packet uses | Status |
|---|---|---|---|
| Joint brokerage account | Taxable brokerage | Reconciled to the custodian record on Sep 25 | Reconciled |
| Anne Abernathy individual brokerage account | Taxable brokerage | Reconciled to the custodian record on Sep 25 | Reconciled |
| Gerald Abernathy traditional IRA | IRA | Reconciled on Sep 25; the receiving account for the IRA consolidation | Reconciled |
| Gerald Abernathy second IRA | IRA | Reconciled on Sep 25; the two IRAs are still separate | Reconciled |
| Gerald Abernathy individual brokerage account | Taxable brokerage | Reconciled to the custodian record on Sep 25 | Reconciled |
| Rollover account from Gerald's former employer 401k | Employer plan rollover | Deposit confirmation from the custodian | Open: rollover not reflected |
| Variable annuity | Annuity | September statement from the annuity provider | Open: statement late |
Read the chart below from left to right. Seven accounts are held, one is taken out because the rollover is not yet reflected, one more because the annuity statement is late, and five remain reconciled for the packet.
Last year's commitments
Three decisions came out of the April 21 review. Two are complete. One is waiting on the household. The notes from last October's annual review and from April 21 are filed behind this section for Thomas to open during the meeting.
Decisions from the April 21 review
- Raise the monthly distribution. Owner: Thomas Whitaker. Completed May 2; the new distribution started in Maydone
- Update beneficiaries on all accounts. Owner: Rebecca Stroud. Completed on every account in May, the last on May 20done
- Consolidate Gerald's two IRAs. Owner: Rebecca Stroud. Waiting 41 days: the corrected transfer form needs Anne's signatureopen
The consolidation is the only commitment that carries over. The receiving custodian rejected the first transfer form because of a signature mismatch. Rebecca sent a corrected form for Anne to sign and logged the delay against the decision. The packet reports the consolidation as open on October 15, not as complete.
Open items, named and not estimated
"I would rather show Anne and Gerald an open item than a number nobody has confirmed. The packet only states what the custodian has put in writing."
Rebecca Stroud, Client service director, Quillfield Wealth Advisors
Seven items are open before the review. Days waiting are counted on September 29.
| Open item | Owner | Waiting | Next step |
|---|---|---|---|
| IRA consolidation transfer form | Rebecca Stroud | 41 days | Submit the corrected form before the Oct 15 review |
| 2025 tax return | Zaid Bukhari | 19 days | Receive the return by Oct 9 |
| Long-term care policy statement | Zaid Bukhari | 19 days | Follow up with the insurer on Oct 2 |
| 401k rollover deposit | Linnea Holmqvist | 12 days | Confirm the deposit with the custodian before the review |
| Trust certification signed by both trustees | Rebecca Stroud | 8 days | Open the trust account by Oct 20 |
| Identification documents for both trustees | Rebecca Stroud | 8 days | Upload both documents through the secure request |
| Variable annuity statement | Linnea Holmqvist | 6 days | Request the statement from the annuity provider |
The count below is the one the household sees on the first page of the packet.
Questions for the meeting
Agenda items and follow-ups
- Answer the household's long-term care funding question, raised in the spring. Owner: Thomas Whitaker, October 15open
- Confirm the rollover deposit with the custodian and update the accounts table. Owner: Linnea Holmqvist, before October 15open
- Receive the 2025 tax return so the tax projection can be prepared. Owner: Zaid Bukhari, by October 9open
- Submit the corrected IRA transfer form once Anne has signed it. Owner: Rebecca Stroud, before October 15open
- Report the distribution change and the beneficiary update as complete. Owner: Thomas Whitaker, October 15open
- Ask Anne and Gerald what has changed since April and whether the plan section should reflect it. Owner: Thomas Whitaker, October 15open
- Add the long-term care question to the October agenda and note the delay. Owner: Thomas Whitaker, donedone
Who prepared this packet
- Thomas WhitakerLead adviser, Quillfield Wealth Advisors, opens the packet and decides the analysis and recommendations
- Linnea HolmqvistParaplanner, Quillfield Wealth Advisors, reconciles the accounts
- Rebecca StroudClient service director, Quillfield Wealth Advisors, keeps the open items list
- Anne AbernathyClient, receives the packet after adviser review