Romney Family Finances

Total Assets

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Live prices

Liquid / Brokerage

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Cash + brokerage

Retirement & 529s

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401k · IRAs · 529s

Alternatives

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SPV · BTC · IBKR

Real Estate

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DCP funds

Avg Monthly Net Income

—

2026 avg (Jan–Feb)

Avg Monthly Spend

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2026 avg (Jan–Feb)

Avg Net Savings

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2026 avg (Jan–Feb)

Net Worth Trend — 2026

Cash Flow — 2026 YTD (Jan + Feb)

Income

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Expenses

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Saved

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Net Worth Breakdown Loading...

Brokerage & Cash Retirement & Education Alternatives Real Estate Other

Brokerage & Cash — —

JPM Brokerage

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7 positions · live

Interactive Brokers (HY9H)

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50 sh SK Hynix + $12,073 cash · Frankfurt

Charles Schwab Brokerage

$6,200

Cash only · as of 3/26/2026

JPM Checking

$10,000

New primary hub · Mar 26 balance

BofA Checking (1977)

$4,147

Transitioning to JPM · Feb 25 balance

JPM – Sweat and Tell

$7,000

S-corp operating

Retirement & Education — —

Fidelity MLS 401k (FXAIX)

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Live NAV · S&P index

Schwab IRA – Dave

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500 sh IREN + $11,825 cash

Schwab IRA – Jacquelyn

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500 sh IREN + $9,214 cash

529 – June Romney

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419.204 sh NAAHR · proxy

529 – Parker Romney

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419.204 sh NAAHR · proxy

529 – Grace Romney

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181.6 sh NAAHR · proxy

Alternative Investments — —

Anthropic SPV

$256,308

990 sh · Series G @ $350B pre · 0.86x on total cost

Coinbase (0.575 BTC)

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Live BTC price

Anthropic SPV — Exit Scenario Analysis 990 shares · 20% carry on profit · $297,500 total cost

Shares

990

Pre-carry

Total Cost

$297,500

Incl. ~$41K fees

Current Value

$256,308

0.86x · @$350B pre

Break-Even

~$406B

Anthropic valuation

IPO Val. Share Price Gross Value 20% Carry Net Shares Net Value Multiple Profit

$350B ★ now $258.90 $256,308 $0 990 $256,308 0.86x −$41,192

$406B $300.51 $297,500 $0 990 $297,500 1.00x $0

$500B $369.85 $366,154 $13,731 953 $352,423 1.18x +$54,923

$600B $443.82 $439,385 $28,377 926 $411,008 1.38x +$113,508

$750B $554.78 $549,231 $50,346 899 $498,885 1.68x +$201,385

$1T $739.71 $732,309 $86,962 872 $645,347 2.17x +$347,847

$1.5T $1,109.56 $1,098,463 $160,193 846 $938,270 3.15x +$640,770

$2T $1,479.41 $1,464,617 $233,423 832 $1,231,194 4.14x +$933,694

Net Value by IPO Scenario

Net value after 20% carry on profits above $297,500 total cost · Break-even at ~$406B · Current Anthropic valuation: $350B pre-money (Series G)

Real Estate — $265,000

DCP Real Estate Wealth Fund

$210,000

Real estate fund

DCP Bodega LLC

$55,000

Real estate investment

Other Assets — $145,000

Jono Loan (receivable)

$116,000

Expected April 2026

Richland Security Deposit

$9,000

Audi E-Tron

$20,000

Vehicle

JPM Brokerage · 6 positions

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Total Gain / Loss

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Holdings detail

Ticker	Name	Price	Day %	Day $	Mkt Value	Total G/L $	Total G/L %	Qty	Cost/sh

Interactive Brokers · HY9H Loading...

Ticker	Name	Qty	Price (USD)	Price (EUR)	Mkt Value	Day %	Day $	Total G/L $	Cost/sh (€)

Frankfurt exchange · EUR→USD converted at live rate · Closes ~11:30am ET

Charles Schwab Brokerage Cash only

Description	Value	Notes
Cash	$6,200	Transferred in 3/26/2026
Total	$6,200

Cash-only account — no positions yet · as of 3/26/2026

Allocation by value Loading...

401k (FXAIX)

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Live NAV

IRA – Dave

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500 sh IREN + cash

IRA – Jacquelyn

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500 sh IREN + cash

529s Total

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3 accounts

Fidelity MLS 401k · FXAIX Loading...

FundFidelity 500 Index (FXAIX)

Approx. shares—

Current NAV—

Account Value—

Cost Basis$244,838.66

Gain / Loss—

Schwab IRAs · IREN Loading...

Both accounts: 500 shares IREN + cash. IREN price: —

AccountEquity val.CashTotal

Dave IRA — $11,825 —

Jacquelyn IRA — $9,214 —

Merrill 529s · NAAHR Loading...

NAAHR (BlackRock Equity Index Direct) is a CIT — proxied using FXAIX NAV movement from $60.82 base on 3/25/2026.

BeneficiarySharesPriceValue

June Romney419.204 — —

Parker Romney419.204 — —

Grace Romney181.595 — —

Total 529s —

Net Worth Today

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Live prices

YTD Change

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vs Jan 1, 2026

Avg Net Savings

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Jan–Feb avg

Savings Rate

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Jan–Feb avg

2026 Annual Projections Jan–Feb run rate · updates with live NW

Proj. Net Income

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avg/mo × 12

Proj. Annual Spend

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avg/mo × 12

Proj. Net Savings

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savings rate

Proj. Year-End NW

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Live NW + remaining savings

Solid = Jan–Feb actuals · Faded = Mar–Dec projected at run rate · Excludes investment returns, employer 401k match (~$40K/yr), and $116K Jono loan repayment (expected April)

Net Worth — 2026 Bi-Monthly Live = current prices

Net Worth

Bi-monthly actuals from your records · Last point reflects live prices

Net Worth — 2025 Bi-Monthly Full year actuals

Net Worth 2025

$2.082M → $2.848M · +$766K · +36.79% in 2025

Net Worth — Long Term (Annual) 2020–2025 year-end actuals

Net Worth Annual Gain

Year-end actuals from your records · $312K → $2.82M in 5 years

Savings Rate %

Income vs Spending vs Net Savings

Income Spending Net Savings

Mar 2026 will populate in early April after statement upload

Avg Monthly Spend

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2026 avg (Jan–Feb)

Most Recent Month

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February 2026

Fixed Baseline

~$16,950

Monthly (Mar+)

Fixed costs

Rent — Samuel Chiu$9,050

Montessori$3,420

Nanny Share — Grace$1,200

Utilities$1,000

House Cleaning$200

Credit card spending — Avg 2026 vs Feb

Avg 2026 February

Recurring autopay (Coinbase Amex)

USAA P&C Insurance$465/mo

USAA Life + Ring + Umbrella~$113/mo

PG&E~$500–600/mo

San Jose Water~$200–400/mo

AT&T Fiber$76/mo

Bobbie Formula~$166/mo

Coterie Diapers~$312/mo

Streaming (Netflix, Disney+, Apple, Amazon)autopay

Avg Monthly Income

$46,986

2026 avg (Jan–Feb)

Most Recent Month

$47,250

February 2026

Dave's Income (Feb)

$40,376

MLS net direct deposit

Jacquelyn's Income

$6,821

W-2 + S&T LLC/mo

Income breakdown — Jan vs Feb

Dave's Income Jacquelyn's Income Other Income

Income streams detail

Stream	January	February
MLS Salary (net)	$39,426	$40,376
Jacquelyn W-2	$1,821	$1,821
S&T LLC Zelle	$5,000	$5,000
CC Rewards (cash back)	$274	$50
ATM / Cash Deposits	$200	—
Misc / Other	—	$3
Total	$46,721	$47,250

All Transactions

Date ↓	Description	Account	Category	Amount ↕

YTD Gross

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YTD Net Pay

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Deposited to checking

Effective Fed Tax Rate

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Fed income + SS + Medicare ÷ gross

Effective CA Tax Rate

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CA income + SDI ÷ gross

Year-to-Date Summary —

YTD Total% of Gross

Gross Earnings — 100.0%

Federal Income Tax — —

Social Security Tax — —

Medicare Tax — —

CA State Income Tax — —

CA SDI Tax — —

Total Taxes — —

Union Dues — —

Where Your Money Went

Deposited to Checking — —

Contributed to 401(k) — —

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Total Earnings (Net + 401k) — —

Current Pay Period —

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EarningsThis Period

Regular Salary—

Gross Pay—

Taxes & DeductionsThis Period

Federal Income Tax—

Social Security Tax—

Medicare Tax—

CA State Income Tax—

CA SDI Tax—

Union Dues—

Total Deductions—

Net Pay (Direct Deposit)—

401(k) ContributionsThis Period

Your Contribution—

Employer Profit Sharing—

Total to 401(k)—

Where Your Gross Pay Goes — YTD

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