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✦ Kept current by AI
HM
Notifications Mark all read
Reserve is a little light. 7 months vs a 9 to 12 month target.
Today
Exit-structure decision has a deadline. Worth an estimated R$1 to 2M.
Today
Lucas replied in Messages.
Jun 5
Good afternoon, Helena.
Here is where things stand today, June 6, and what is worth your attention.
Total net worth
R$44.1M
+R$2.1M this year · +42% over three years
2023
2024
2025
2026
Needs your attention
⚠
Top up your liquidity reserve
You hold 7 months of costs; your plan targets 9 to 12. We can fund the gap from the credit-fund redemptions already flagged.
See liquidity →◆
The exit-structure question has a clock on it
Deciding PJ versus personal before a sale is worth an estimated R$1 to 2M. Worth 20 minutes with Lucas and your tax counsel.
Open the goal →◇
You have been modeling a partial sale
You ran "sell 40% of Aurora" five times this week. When you want, we can turn it into a real plan.
Open in Scenario Builder →At a glance
Liquidity
7 months
of your costs covered
Brazil exposure
~99%
one country, one currency
Benchmark
IPCA + 4–5%
real, over 10 years
Next review
12 Jun
with Lucas, 3:00 PM
Recent activity
✎
Plan Document v1.0 delivered
Reviewed and sent by Lucas
Jun 6
✦
Dashboard refreshed
Statements reconciled across BTG and Itaú
Jun 2
◇
You ran a scenario
Sell 40% of Aurora in 18 months
Jun 1
☰
Q2 portfolio report added
In Documents
May 30
Coming up
☏
Review call with Lucas
Exit structure, reserve top-up, the fund idea
12 Jun
◆
Tax counsel intro
PJ vs personal for the sale
Jun
□
Credit-fund redemptions settle
~R$2.0M, funds the reserve
Jul
Your Plan ✦ AI-built · advisor-reviewed
The document you open to understand where you stand and what we recommend. The full plan is one tap away.
Your plan, on one page
You started Aurora in 2008 with one contract and a leased warehouse. Eighteen years on, it is the larger part of everything you own, and a partial sale is finally on the table. This plan takes that whole picture and turns it into a structure.
Net worth
R$44.1M
up from R$31.0M in 2023
Largest position
The business
55% of net worth
Geographic
~99% Brazil
one country, one currency
Reserve
~7 months
target 9 to 12
1
The Snapshot
Your balance sheet, three years of history, and your P&L.
2
The Audit
Embedded fees, the exit-structure question, hidden concentration.
3
The Blueprint
Your book in four layers; the benchmark reframed to IPCA + 4 to 5%.
6
The Crossroads
The business exit, every path modeled before it arrives.
AI writes the first draft from your conversations and validated documents and keeps it current; your advisor reviews and tightens every plan before it reaches you.
Wealth
The current state, without the narrative. Every number has a plain-language line under it: no figure without context.
Net worth trajectory
2023
31.0
2024
36.2
2025
42.0
2026
44.1
Business Portfolio Real estate Cash
Allocation today
The business dominates, and the financial portfolio is ~90% CDI. The plan rebuilds the portfolio into four layers and introduces global exposure over time.
Concentration, by dimension
Securitylow
Sectorok
Illiquid67%
Geographic99%
The tick is your ceiling. Illiquid and geographic sit past it: the two we work down over time.
Liquidity coverage
7 mo
reserve vs your costs
Potential drawdown
−R$2.6M
2008-scale, in reais
vs CDI (1yr)
in line
we hold to the 10-yr real floor
Currency
99% BRL
global added in steps
AI keeps every indicator current as your positions move. This view is read-only: to model a change, open the Scenario Builder.
Holdings
Everything you own, in one place, reconciled across your banks and brokers. Tap a category to see the positions inside it.
Balance sheet
The business
R$24.2M · 55%
CDB / LCI / LCA
R$6.5M · CDI
Fundos DI / Selic
R$3.4M
Credit funds
R$2.0M
Diversifiers
Apartment
R$3.5M
Country house
R$1.8M
Cash
Positions
| Holding | Value | % of wealth |
|---|---|---|
| ▸The business | R$24.2M | 54.9% |
| Aurora, operating company (est. equity value) | R$24.2M | 54.9% |
| ▸Financial portfolio | R$13.2M | 29.9% |
| CDB / LCI / LCA (bank credit, CDI) | R$6.5M | 14.7% |
| Fundos DI / Tesouro Selic | R$3.4M | 7.7% |
| Credit funds (8 positions, fee-heavy) | R$2.0M | 4.5% |
| NTN-B (inflation-linked) | R$0.6M | 1.4% |
| Brazilian equities & FIIs | R$0.4M | 0.9% |
| International | R$0.3M | 0.7% |
| ▸Real estate | R$5.3M | 12.0% |
| Apartment, São Paulo | R$3.5M | 7.9% |
| Country house | R$1.8M | 4.1% |
| ▸Cash | R$1.4M | 3.2% |
| Current accounts & settlement | R$1.4M | 3.2% |
| Total net worth | R$44.1M | 100% |
The financial book, by layer · today → target
Reserve
Today: seeded by cash
R$2.0M
Stability
Today: R$0.6M
R$5.0M
Growth
Today: R$0.7M
R$5.2M
Opportunistic
Today: none
0–8%
AI reconciles your statements and prices every position net of fees; your advisor sets each holding's role and the path from today to target.
Scenario Builder ● you explore
You ask "what if" all the time; this lets you see the answer instead of imagining it. Your advisor pre-builds the ones that match your life, and you can change anything.
What if I sell part of Aurora?
Pre-built by your advisor · estimates, before tax and structuring
How much
When
Cash freed
R$9.7M
before tax and structuring
Financial book after
R$22.9M
+R$9.7M vs R$13.2M
Business concentration
~33%
from 55% of net worth
In 18 months there is time to set the holding structure first; the difference is worth an estimated R$1 to 2M.
What if I fund the children's university?
Two children, in roughly 3 and 5 years · estimates in today's R$
The plan
When to fund
Total funding need
R$1.2M
both children, full degree
Peak year
R$0.30M/yr
at the overlap years
Funded from
Income + reserve
no carve-out needed
Funded as they start: your distributions and reserve absorb it; we only ring-fence a sleeve for the abroad case.
What if I sell the São Paulo apartment?
Currently R$3.5M and illiquid · estimates, before costs
The decision
Use of proceeds
Cash freed
R$3.5M
at today's value
Financial book after
R$16.7M
+R$3.5M vs R$13.2M
Liquidity coverage
12+ months
if part funds the reserve
Routed through the four layers, the sale cuts your illiquid concentration and lifts liquidity at the same time.
What if it is a bad market year?
The Behavioral Covenant, modeled · on the recommended book
Severity
Paper drawdown
−R$1.5M
of the recommended book
Reserve + stability cover
~3 years
of your R$2.4M/yr costs
What we do
Hold
no forced sale, by design
You pre-agreed this in the Behavioral Covenant: no selling in a drawdown without a call first. The reserve and stability layers mean a bad year is a paper loss, not a forced sale.
Build your own
Start from a blank timeline
Add an event, set its size and timing, and see the impact, exactly like the ones your advisor pre-built. Pick an event to begin:
The library grows as we talk: anything you raise with your advisor becomes a ready-made scenario here, with your real numbers.
Nothing here is executed. When you want to act on a scenario, it becomes a conversation with your advisor.
Discuss this with Lucas →
Goals
The decisions and milestones your plan is built around. Each one is modeled, tracked, and rebuilt as you decide.
▲Financial independenceOn track
The plan clears its real floor: the financial book compounds to ~R$20.5M in today's money over ten years, before any exit proceeds.
◆The business exitIn planning
A partial sale of Aurora is on the table. The structure decision has a deadline and is worth an estimated R$1 to 2M; we model every path before it arrives.
Model it in the Scenario Builder →
☽The children's universityFunded
Two children, in roughly 3 and 5 years. Under the Brazil-private plan, your income and reserve absorb it with no carve-out needed.
Explore options →
⌂The São Paulo apartmentExploring
Whether to keep, sell, or repurpose the apartment. Selling cuts your illiquid concentration and could fund the reserve or education.
Model selling →
★Legacy & successionTo start
How wealth transfers to your two children: the structural alternatives, their tax implications, and what the chosen structure signals to your family. A framework to begin before it is urgent.
Raise it with Lucas →
✦Diversify out of one betIn planning
The financial book is ~90% CDI and ~99% Brazil. We unwind it in measured steps into the four layers, starting before the exit.
See concentration →
Documents
Everything we have produced and gathered, in one vault. Version-controlled, and yours to download any time.
| Document | Type | Date | |
|---|---|---|---|
| Plan Document v1.0 | Plan | 6 Jun 2026 | View → |
| Behavioral Covenant (signed) | Plan | 6 Jun 2026 | View → |
| Q2 2026 Portfolio Report | Report | 30 May 2026 | View → |
| Mirror Summary | Plan | 29 May 2026 | View → |
| BTG statement · consolidated | Statement | 1 May 2026 | View → |
| Itaú statement · consolidated | Statement | 1 May 2026 | View → |
| IRPF 2025 (tax return) | Tax | 14 Apr 2026 | View → |
| Aurora cap table | Statement | 10 Apr 2026 | View → |
AI ingests and reconciles whatever you upload; every plan version, summary, and report is stored under your advisor's sign-off, in the form a regulator or your family would need it.
Messages ● human
A light place for the back-and-forth. Most of the time you will just use WhatsApp, and that is fine. Whatever channel you choose, the record is ours to keep.
Hi Lucas, I keep coming back to selling a stake to a fund instead of a full sale. Is that crazy?Helena · Jun 4, 19:42
Not at all, a secondary keeps you in control and still frees cash. I've put both side by side in your Scenario Builder so we can look together. Worth 20 minutes Thursday?Lucas · Jun 4, 20:05
Perfect. And the reserve top-up you mentioned, go ahead.Helena · Jun 4, 20:11
Done, logged it. We'll confirm the structure question with your tax counsel before anything on the sale.Lucas · Jun 5, 09:18
● WhatsApp● Email● A note from a call
The channel is your choice; the record is the tool's responsibility. Whatever you send, wherever you send it, is logged against your plan so your advisor always walks in with the full picture. Built for your laptop and your phone alike, both at full quality.