Topics for Next Session
Add anything here between sessions — it will be reviewed at the start of every session.
Open Topics
| # | Topic | Added | Source |
|---|---|---|---|
| 1 | ESPP contribution rate (15% → 10%?) — cash flow vs guaranteed 10% return | May 2026 | Assessment |
| 2 | New RSU grant (Aug 2026) — plan sell schedule in advance | May 2026 | Assessment |
| 3 | Insurance/estate — ensuring family protected during accumulation | May 2026 | Assessment |
| 4 | Second property — lifestyle asset earning 0%; worth discussing | May 2026 | Assessment |
| 5 | Insurance audit — life, income protection, trauma cover. Is Julia covered if Jonathan dies or can't work? | May 2026 | Advisor |
| 6 | Estate plan — wills, trusts, power of attorney. Who manages $5.5M if both incapacitated? | May 2026 | Advisor |
| 7 | Tax/vesting calendar — provisional tax dates, ESPP purchase dates, RSU vest dates as visual timeline | May 2026 | Advisor |
| 8 | Withdrawal strategy — when work stops, which accounts draw first? Tax-optimal sequencing | May 2026 | Advisor |
| 9 | Expense tracking — is 200K/yr accurate? Actual breakdown could inform leaner FIRE targets | May 2026 | Advisor |
| 10 | Education planning — is 100K per kid realistic for NZ uni in 2032-2035? Inflation-adjusted? | May 2026 | Advisor |
| 11 | Currency strategy — NZD/USD exposure if retiring overseas or NZD strengthens significantly | May 2026 | Advisor |
Completed Topics
| Topic | Resolved | Outcome |
|---|---|---|
| (none yet) |