Personal Net Worth.
RJ · TRAYLOR HOUSEHOLD · AS OF SEP 08, 2026
TOTAL COMPOSITE NET WORTH
$4.87M
↑ $342K · +7.6% YTD
Aggregate across personal, business equity, real estate, and investment accounts — net of all outstanding debt facilities.
TOTAL ASSETS
$6.12M
↑ 8.2% YTD
TOTAL LIABILITIES
$1.25M
↓ 4.1% YTD (paying down)
LIQUIDITY (30-DAY)
$427K
6.8× monthly burn
Asset composition
EXPORT →Business equity$3.00M49%
Real estate$1.42M23%
Investment accounts$920K15%
Cash · money market$427K7%
Private / alt investments$355K6%
Top concentration
SINGLE-ASSET · 49%
Traylor Ops LLC
$3.00M · 100% ownership
RECOMMENDATION
Concentration >40% flagged. Coordinate with attorney on buy-sell + key-person, and CPA on liquidity-event tax modeling.
Business Equity.
3 ENTITIES · 2 CONTROLLING · 1 MINORITY
TOTAL BUSINESS EQUITY
$3.00M
↑ $180K YoY
CONTROLLING STAKES
2
100% + 51%
ANNUAL DISTRIBUTIONS
$420K
Owner-draw + K-1
Ownership positions
ADD POSITION →Traylor Ops LLC
100% · S-CORP ELECTED · TX · REV $12.4M
$2.4M
CONTROL
Mansfield Ventures LLC
51% · MULTI-MEMBER · TX · REV $1.8M
$450K
CONTROL
Founder-Angel Fund II · LP
3.2% · MINORITY LP · DE · PRE-EXIT
$150K
MINORITY
Cash Flow.
HOUSEHOLD · MONTHLY · TRAILING 12
AVG MONTHLY INFLOW
$92K
+11% vs Q1
AVG MONTHLY BURN
$63K
Stable
MONTHLY NET
+$29K
31% savings rate
Trailing 12 months
EXPORT CSV →SEP 26
+$29K
AUG 26
+$17K
JUL 26
+$35K
JUN 26
+$20K
MAY 26
+$24K
APR 26
+$23K
MAR 26
+$23K
FEB 26
+$12K
Real Estate.
4 PROPERTIES · $1.42M NET EQUITY
TOTAL VALUE
$2.20M
↑ appraisals Q2
TOTAL DEBT
$780K
35% aggregate LTV
NET RENTAL / MO
$4.8K
2 rental properties
Property register
ADD PROPERTY →Primary Residence · Mansfield
$820K VALUE · $340K MORTGAGE · PERSONAL
$480K
PRIMARY
Dallas Rental · 4501 Live Oak
$540K VALUE · $210K MORTGAGE · SERIES LLC
$330K
RENTAL · LLC
Dallas Rental · 7822 Elm Way
$480K VALUE · $180K MORTGAGE · SERIES LLC
$300K
RENTAL · LLC
Colorado Vacation · Breckenridge
$360K VALUE · $50K MORTGAGE · PERSONAL
$310K
PERSONAL · NEEDS LLC
Investment Accounts.
4 CUSTODIANS · TAX-ADVANTAGED + TAXABLE
TOTAL INVESTED
$920K
+9.4% YTD
TAX-ADVANTAGED
$610K
Retirement + HSA
TAXABLE BROKERAGE
$310K
After-tax capital
Account register
Solo 401(k)
FIDELITY · TRADITIONAL + ROTH
$385K
TAX-ADV
SEP-IRA
SCHWAB · TAX-DEFERRED
$180K
TAX-ADV
HSA · Employer
HEALTHEQUITY · INVESTED
$45K
TRIPLE-TAX
Taxable Brokerage
FIDELITY · INDIVIDUAL
$310K
TAXABLE
Bank Account Map.
5 ACCOUNTS · 3 INSTITUTIONS · $427K TOTAL CASH
TOTAL CASH
$427K
Across all accounts
MONTHS OF RUNWAY
6.8×
Well-buffered
BENEFICIARY REVIEW
SEP 2026
Current
Account register
Chase Business Complete Checking
TRAYLOR OPS LLC · OPERATING
$62K
BUSINESS
Chase Business Savings
TRAYLOR OPS LLC · RESERVE
$140K
BUSINESS
Chase Personal Checking
JOINT · POD BENEFICIARY SET
$28K
POD SET
Marcus High-Yield Savings
JOINT · POD BENEFICIARY SET
$135K
POD SET
Vanguard Money Market
INDIVIDUAL · TOD BENEFICIARY SET
$62K
TOD SET
Debt Dashboard.
$1.25M TOTAL · WEIGHTED AVG RATE 6.4%
TOTAL DEBT
$1.25M
↓ Paying down
MONTHLY DEBT SERVICE
$8.9K
DTI 14% (health)
PERSONAL GUARANTEES
$185K
Business SBA
Facility register
Primary Mortgage · Chase
30-YR · 5.75% · $340K BALANCE
$340K
MORTGAGE
Rental Mortgage · Dallas 4501
DSCR · 7.25% · $210K BALANCE
$210K
DSCR · LLC
Rental Mortgage · Dallas 7822
DSCR · 7.15% · $180K BALANCE
$180K
DSCR · LLC
Vacation Mortgage · Breck
15-YR · 5.50% · $50K BALANCE
$50K
MORTGAGE
SBA Working Capital
10-YR · 8.25% · TRAYLOR OPS · PG
$185K
PERSONAL GUARANTEE
Business Line of Credit
CHASE · 8.5% VARIABLE · $150K DRAWN
$285K
REVOLVER
Insurance Inventory.
6 POLICIES · $8.4M TOTAL COVERAGE
LIFE COVERAGE
$5.0M
Term + perm
DISABILITY · MO BENEFIT
$18K
Own-occupation
UMBRELLA LIABILITY
$3.0M
Personal · adequate
Policy register
Term Life · 20-yr
HALEY · $4M · CARRIER A · ANNUAL $1,850
$4.0M
TERM
Whole Life · Cash Value
HALEY · $1M · CASH $185K
$1.0M
PERM
Own-Occupation Disability
CARRIER B · $18K/MO · TO AGE 65
$18K/mo
OWN-OCC
Umbrella Personal Liability
CARRIER C · $3M · JOINT
$3.0M
UMBRELLA
Business D&O
TRAYLOR OPS · $2M
$2.0M
BUSINESS
Key-Person
TRAYLOR OPS · $1M ON HALEY
$1.0M
BUSINESS
Entity Map.
3 ACTIVE ENTITIES · HIERARCHICAL STRUCTURE
HALEY TRAYLOR — beneficial owner
│
├─ TRAYLOR HOLDINGS LLC TX · parent · single-member
│ │
│ ├─ TRAYLOR OPS LLC TX · S-Corp elected · $12.4M rev · 100%
│ │
│ ├─ MANSFIELD VENTURES LLC TX · multi-member · $1.8M rev · 51%
│ │
│ └─ TRAYLOR REAL ESTATE SERIES TX Series LLC · 2 properties
│ │
│ ├─ Series A · 4501 Live Oak Dallas · rental
│ └─ Series B · 7822 Elm Way Dallas · rental
│
├─ TRAYLOR FAMILY REVOCABLE TRUST TX · funded · reviewed 2025
│ │
│ ├─ Successor trustee: J. Kirkland
│ └─ Beneficiaries: minor children (2)
│
└─ FOUNDER-ANGEL FUND II LP DE · minority LP · 3.2% · $150K
Trust · Estate.
REVOCABLE LIVING TRUST · FUNDED · CURRENT
TRUST STATUS
FUNDED
✓ Assets titled
LAST ATTORNEY REVIEW
MAR 2025
18 months ago
BENEFICIARIES
2
Minor children
Estate document register
Revocable Living Trust
TRAYLOR FAMILY REV TRUST · TX · KIRKLAND LAW
MAR 2025
CURRENT
Pour-Over Will
JOINT · TX · KIRKLAND LAW
MAR 2025
CURRENT
Healthcare Directive
TX ADVANCE DIRECTIVE FORM
MAR 2025
CURRENT
Financial POA · Durable
TX STATUTORY · SPOUSE + SUCCESSOR
MAR 2025
CURRENT
Medical POA
SPOUSE + SUCCESSOR
MAR 2025
CURRENT
HIPAA Authorization
JOINT · EXECUTED
MAR 2025
CURRENT
Document Vault.
28 DOCUMENTS · ENCRYPTED · LAST BACKUP AUG 30
Recent access · 90 days
UPLOAD →PDF
Traylor Ops LLC · Operating Agreement (v3)
FORMATION · KIRKLAND LAW
MAR 12 · 2025
OPEN →
PDF
Revocable Living Trust · Executed
ESTATE · KIRKLAND LAW
MAR 08 · 2025
OPEN →
PDF
Buy-Sell Agreement · Traylor Ops
CORPORATE · KIRKLAND LAW
FEB 22 · 2025
OPEN →
PDF
2024 Federal Tax Return · Traylor Ops
1120S · SANDOVAL CPA
APR 15 · 2025
OPEN →
PDF
2024 Personal Tax Return · Joint
1040 · SANDOVAL CPA
APR 15 · 2025
OPEN →
JPG
Umbrella Policy Declarations
INSURANCE · CARRIER C
JAN 04 · 2025
OPEN →
PDF
D.R. Horton Closing Documents
REAL ESTATE · MANSFIELD PRIMARY
SEP 24 · 2024
OPEN →
Tax Document Vault.
3 TAX YEARS · CPA-COORDINATED
CURRENT YEAR EST
$142K
Federal + state
QUARTERLY DUE
SEP 15
Q3 paid
CPA FIRM
SANDOVAL & CO
Since 2022
Tax filing register
PDF
2025 Q3 Estimated · Fed + TX
$36K · PAID SEP 15
SEP 15 · 2025
OPEN →
PDF
2024 Federal 1040 · Joint
SANDOVAL CPA · FILED APR 12
APR 12 · 2025
OPEN →
PDF
2024 1120S · Traylor Ops
S-CORP · SANDOVAL CPA
MAR 08 · 2025
OPEN →
PDF
2024 K-1 · Founder-Angel Fund II
PRE-EXIT · SUSPENDED LOSSES
APR 03 · 2025
OPEN →
PDF
2023 Federal 1040 · Joint
SANDOVAL CPA
APR 10 · 2024
OPEN →
Professional Team.
5 SEATED · 2 UNFILLED · COORDINATION SET UP
Roster
ADD ADVISOR →MS
Miguel Sandoval, CPA
CPA · TAX ADVISOR
SEATED
JK
Jamie Kirkland, Esq.
ATTORNEY · ESTATE + BUSINESS
SEATED
CP
Chekelah Phelps
CAPITAL ADVISORY · CREDIT SOVEREIGNTY
SEATED
RB
Regan Brooks
INSURANCE PROFESSIONAL
SEATED
LM
Lauren Meng
RELATIONSHIP BANKER
SEATED
?
Investment Advisor
FIDUCIARY · FEE-ONLY
SEAT OPEN
?
Investment Banker
EXIT / RAISE
SEAT OPEN
Capital Opportunities.
4 IDENTIFIED · REVIEWED WEEKLY BY HLP
OPP · 01 · IMMEDIATE (30-DAY)
Refi 4501 Live Oak DSCR at current rate
Current rate 7.25% · market rate 6.65% · $210K balance · net cash-flow lift $105/mo · closing cost $3,200 · break-even 30 months.
OPP · 02 · NEAR-TERM (90-DAY)
Establish SBLOC against taxable brokerage
$310K taxable brokerage = ~$155K SBLOC capacity at ~5% variable. Bridge liquidity for future opportunities without triggering LTCG. Coordinate with CPA before drawing.
OPP · 03 · CROSS-STRUCTURE (2026)
Wrap Colorado vacation in Series LLC
Only property still in personal name. Series LLC addition costs ~$450 filing + attorney time. Reduces personal liability exposure and creates clean audit trail. No mortgage transfer required if refi bundled.
OPP · 04 · STRATEGIC (Q1 2026)
Consider defined-benefit plan for Traylor Ops
S-Corp with $12.4M revenue and single-owner ownership qualifies for a defined-benefit plan overlay. Potential $150K+ tax-deferred contribution beyond Solo 401(k). Requires actuarial modeling + CPA sign-off.
Risk Alerts.
3 ACTIVE · 1 RESOLVED THIS WEEK
ALERT · 01 · CONCENTRATION
Business equity 49% of net worth
Traylor Ops LLC represents 49% of household net worth. Best-practice threshold is <40%. Recommend key-person insurance review + accelerated diversification into taxable brokerage.
REVIEW WITH TEAM →
ALERT · 02 · LIABILITY EXPOSURE
Colorado vacation property in personal name
Only investment property not wrapped in LLC. Personal liability exposure. Standard fix: add to Traylor Real Estate Series LLC (Series C). Est. 4-6 hours attorney + $450 filing.
SCHEDULE WITH KIRKLAND →
ALERT · 03 · PERSONAL GUARANTEE
SBA PG $185K unhedged
$185K personal guarantee on Traylor Ops SBA loan. Best practice: term life coverage sized to PG + key-person on you sized to full continuity risk. Currently 27% covered.
REVIEW WITH BROOKS →
Annual Wealth Review.
2026 REVIEW · Q2 COMPLETE · Q3 SCHEDULED
Quarterly discipline · 2026
Q1 · MAR 2026 · COMPLETE
Year-open positioning
Estate documents reviewed · beneficiaries confirmed · insurance policies re-quoted · CPA tax-projection meeting held.
Q2 · JUN 2026 · COMPLETE
Business + property mid-year
Traylor Ops mid-year P&L review with Sandoval · property appraisals refreshed · rental cash-flow re-modeled.
Q3 · OCT 2026 · SCHEDULED
Capital opportunities + risk
Full HLP Capital Advisory review · new opportunities scored · risk alerts triaged · SBLOC facility discussion.
Q4 · DEC 2026 · UPCOMING
Year-end tax + wealth positioning
Tax-loss harvesting · charitable contributions · retirement contribution finalization · legacy planning check-in.