CLIENT PROFILE - ONE PAGE                                   Prepared 10/14/2026 after discovery meeting
Household: Harlan T. Vickery (71, retired Honeywell aerospace engineer) and Rosalind M. Vickery (68, retired 4th-grade teacher)
Residence: Scottsdale, AZ (home owned free and clear, est. value $1.1M, bought 1998). Married 1983. Both in Arizona since 1998.

WHY THEY CAME IN
- They want to sell the Tempe fourplex (bought July 2009 for $400,000; broker opinion now ~$2.0M). Tired of tenants and repairs; Harlan
  "can't climb ladders anymore." An investor group signed a non-binding LOI on 09/30/2026 at $1,985,000 and wants to close by Dec 15, 2026.
  The broker is pressing them to sign the purchase contract "in the next couple of weeks."
- Harlan's own estimate: "about a $1.6M gain, and long-term gains are 15%, so roughly $240K of tax. We can live with that."
- Harlan says: "We never really took depreciation on that place, the old CPA handled it, so there shouldn't be any of that recapture stuff."
- Deed reads: "Harlan T. Vickery and Rosalind M. Vickery, husband and wife, as joint tenants with right of survivorship." Bought with
  joint savings during the marriage.

HEALTH / LONGEVITY
- Harlan had an aortic valve replacement in March 2026. Recovering, but "slower than before"; more cardiology visits this year.
- Rosalind is in good health; her mother lived to 97.

INCOME TODAY (monthly, 2026)
- Social Security: Harlan $4,297 (claimed at 70 in 2025); Rosalind $1,429 (claimed at 62).   Pension (Rosalind, ASRS): $3,200.
- Fourplex net rent: about $4,000/month (goes away after the sale).
- Spending: about $9,500/month, plus travel ~$12,000/yr. Church giving ~$14,000/yr, paid by check. They take the standard deduction.

HOW THEY THINK ABOUT MONEY
- Risk questionnaire score: 28/100 ("Conservative"). Rosalind: "I don't want to relive 2008. I lost sleep in 2022."
- Harlan likes the Honeywell shares ("they built my career") and does not want to sell them.
- Income style: "We like living off the interest and dividends. We never touch principal." Want the sale proceeds in "safe things -
  CDs, munis, maybe a bond ladder."
- Current Schwab taxable account is roughly three-quarters stocks (see positions export).

FAMILY / ESTATE
- Children: Leah Vickery Ruiz (44, Denver; two kids, 12 and 9) and Marcus Vickery (41, Phoenix; divorce pending, contentious).
- Wills: simple reciprocal wills from 2004, everything to the survivor then equally to the kids outright. No trust. Powers of attorney from 2004.
- Wishes: help the grandchildren with college; "don't want Marcus's ex to end up with any of our money"; keep it simple for the kids.
- Harlan's IRA beneficiary form is from 2004 (he "thinks it names Rosalind").

QUESTIONS THEY ASKED
1. Should we sign the contract and close in December, or is there a smarter way to sell?
2. Where should we put the money afterward so it's safe and pays us income?
3. What do we need to change for the kids?