{ "schemaVersion": "fictional-planning-examples.v1", "snapshotDate": "2026-09-08", "fictional": true, "authorship": "Codex-authored educational illustration", "notice": "Fictional households. Invented facts and dialogue, not client experiences, testimonials or recommendations.", "evidenceState": { "factsConfirmedByDan": false, "councilRun": false, "independentReviewRun": false, "humanAdoption": false, "humanSignoff": false, "clientDelivery": false }, "stages": [ { "id": "intake", "label": "Intake", "purpose": "Establish the question, whom the adviser represents, and the source of what was said. Keep the source and any later correction." }, { "id": "facts", "label": "Confirmed facts", "purpose": "Check the source documents, separate facts from assumptions, and confirm the exact version to use." }, { "id": "council", "label": "Research draft", "purpose": "Explore the question, alternatives and disagreements. Preserve the sources and contributors behind the proposed analysis." }, { "id": "draft", "label": "Proposed adviser draft", "purpose": "Prepare a version for the adviser to consider. Keep edits and their reasons distinct from actual human adoption." }, { "id": "review", "label": "Independent review", "purpose": "Examine the exact proposed version using reviewers independent of its contributors. Findings do not approve a recommendation." }, { "id": "responses", "label": "Finding responses", "purpose": "Record a reasoned response to each finding. A changed draft is a new version and cannot inherit an earlier approval." }, { "id": "decision", "label": "Dan’s decision", "purpose": "Dan decides whether to approve, revise, defer or reject the exact final version. A scripted adviser voice cannot make this decision." }, { "id": "retention", "label": "Delivery and retention", "purpose": "Separately record authorized delivery and verify that the complete final record can be saved and retrieved." } ], "cases": [ { "id": "teacher-retirement", "title": "Retiring together, with a pension to understand", "shortTitle": "A teacher nearing retirement", "summary": "A teacher, 58, and spouse, 56, hope to stop working in three years. The question is how to plan for both lives, including the surviving spouse.", "question": "What needs to be verified before assessing whether this household can retire together?", "sourceKind": "Scripted conversation", "facts": [ { "field": "Household", "description": "Suffolk County, New York; teacher age 58 and spouse age 56.", "status": "scripted, unverified" }, { "field": "Current work", "description": "Both work full time. Teacher earns $135,000 and spouse, a private-employer operations coordinator, earns $65,000 annually before tax.", "status": "scripted, unverified" }, { "field": "Current household earnings", "description": "$200,000 a year before tax. These are current wages, not retirement income.", "status": "scripted, unverified" }, { "field": "Retirement goal", "description": "Both hope to stop work in about three years, at approximately ages 61 and 59. Feasibility has not been assessed; neither salary continues after that assumed work-end date.", "status": "scripted, unverified" }, { "field": "Pension recollection", "description": "$6,500 a month before tax, recalled by the fictional teacher. Benefit statement, tier, service credit, retirement date, possible age reduction and survivor option have not been verified. This is not a calculated entitlement.", "status": "scripted, unverified" }, { "field": "Current spending", "description": "$8,200 monthly initially reported, then corrected to $8,900 after including $8,400 of annual expenses spread over 12 months. Both figures describe after-tax spending. This is not yet a retirement budget.", "status": "scripted, unverified" }, { "field": "Savings", "description": "$100,000 liquid savings; $450,000 teacher 403(b); $200,000 spouse 401(k). Retirement accounts total $650,000. These are invented balances, with tax character and statements still to be checked in the example.", "status": "scripted, unverified" }, { "field": "Main concern", "description": "Retiring together while preserving income for the surviving spouse.", "status": "scripted, unverified" } ], "dialogue": [ { "step": "Start with the goal", "scripted_adviser": "What would you like retirement to look like, and what concerns you most?", "scripted_household": "I teach full time and I'm 58. My spouse is 56. We live in Suffolk County and hope to stop working in about three years. I want us to enjoy that time together, but I also want my spouse to have enough income if I die first." }, { "step": "Separate today from retirement", "scripted_adviser": "What do you each earn today, and when would that pay stop?", "scripted_household": "My salary is about $135,000 a year before tax. My spouse works full time as an operations coordinator for a private employer and earns about $65,000 before tax. If we both retire in three years, both paychecks would stop." }, { "step": "Keep the correction", "scripted_adviser": "What does the household spend, including bills that do not come every month?", "scripted_household": "About $8,200 a month from our take-home pay. Actually, I left out roughly $8,400 a year for things like home and car upkeep, trips and gifts. Spread across the year, that brings us to about $8,900 a month. That's what we spend now; I don't know what retirement would change." }, { "step": "Locate the uncertainty", "scripted_adviser": "What pension information do you have, and which payment option does it describe?", "scripted_household": "I remember seeing about $6,500 a month before tax, but I don't have the estimate with me. I don't remember the retirement date used or whether that amount continues anything to my spouse after I die. I need to check the actual estimate." }, { "step": "Complete the picture", "scripted_adviser": "What savings and other benefits would we need to understand?", "scripted_household": "We have about $100,000 in liquid savings, $450,000 in my 403(b), and $200,000 in my spouse's 401(k). We haven't brought statements, Social Security estimates or the details of any other employer benefits. We also haven't priced health coverage after leaving work." }, { "step": "Agree on what to investigate", "scripted_adviser": "Before assessing the retirement date, we would need to verify the pension options, household spending, benefits and accounts. Which concern should that work keep in view?", "scripted_household": "Please keep the income for my spouse front and center. I'd like to understand what retiring together would mean before either of us makes a decision." } ], "evidencePlan": [ { "topic": "Pension at the intended date", "needed": "Benefit Profile and dated benefit estimates; confirm tier, service credit, salary basis, retirement date, any age reduction, and maximum versus survivor-payment options." }, { "topic": "Spending, housing and debts", "needed": "Reconcile recurring spending and annual bills with records; identify mortgage or other debt balances and payments. Build a separate retirement budget." }, { "topic": "Health coverage after work", "needed": "Establish what coverage is available for each spouse, eligibility dates, premiums and out-of-pocket costs after their jobs end." }, { "topic": "Accounts and liquidity", "needed": "Review current account statements, ownership, beneficiaries, tax character and any withdrawal restrictions before treating balances as available income." }, { "topic": "Other benefits and timing", "needed": "Obtain each spouse’s Social Security estimates and verify other employer benefits. Do not assume any unverified amount, start date or spouse pension." }, { "topic": "Taxes and survivor needs", "needed": "Identify the records needed for an appropriate tax estimate and the surviving spouse’s expenses, resources and coverage. Compare income and spending on a consistent basis." } ], "stages": { "facts": { "status": "Pending", "recorded": "The example assumptions have not been confirmed by Dan or checked against household documents." }, "council": { "status": "Not run", "recorded": "No actual Council result exists for this example." }, "draft": { "status": "Pending", "recorded": "No case-specific adviser draft has been adopted. Any future simulated adviser response must remain visibly separate from Dan’s judgment." }, "review": { "status": "Not run", "recorded": "No actual independent Review has run for this example. No findings or vendor-independence result are being claimed." }, "responses": { "status": "Pending", "recorded": "There are no actual Review findings to answer. No accept, revise or disagree choices have been made." }, "decision": { "status": "Pending Dan", "recorded": "No human adoption, approval or signature has been recorded." }, "retention": { "status": "Not delivered", "recorded": "This public example is a saved educational snapshot. It is not a delivered client recommendation or proof of final case filing." }, "intake": { "status": "Scripted only", "recorded": "The questions and responses below were written for this illustration. They are not the words of Dan or of any client. No real client conversation or document collection occurred." } }, "source": { "name": "Fictional intake v2", "sha256": "16dfe8a0cdfe3daef6eb18921361d47d96277080ff3a07a588732409ccbdf444" }, "conclusion": "No retirement affordability, benefit election, withdrawal, investment or insurance recommendation has been made." }, { "id": "divorce-transition", "title": "Two households, retirement and college costs", "shortTitle": "A family considering divorce", "summary": "A husband working in financial services, a teacher wife approaching pension retirement, and two children in college. The starting point is the household’s unanswered questions.", "question": "What should an adviser establish before investigating housing and retirement options for this fictional family?", "sourceKind": "Authored fictional premise", "facts": [ { "field": "Premise 1", "description": "Husband works in financial services and earns $350,000 annually.", "status": "fictional, unverified" }, { "field": "Premise 2", "description": "Wife is a teacher approaching pension retirement.", "status": "fictional, unverified" }, { "field": "Premise 3", "description": "They are considering divorce.", "status": "fictional, unverified" }, { "field": "Premise 4", "description": "Two children are in college.", "status": "fictional, unverified" } ], "dialogue": [], "evidencePlan": [ { "topic": "Scope and priorities", "needed": "Establish whom the adviser represents, each person’s objectives, and what requires separate professional input." }, { "topic": "Income and pension", "needed": "Obtain earnings records, dated pension estimates, payment options, service history and intended retirement dates." }, { "topic": "Housing and accounts", "needed": "Verify ownership, account balances, tax character, mortgage terms and costs before comparing keeping or selling a home." }, { "topic": "Two household budgets", "needed": "Document living costs, health coverage, college bills and available college savings for both households." }, { "topic": "Unresolved legal and tax questions", "needed": "Keep support, property division and pension-order terms unresolved until the appropriate professionals and household establish them." } ], "stages": { "facts": { "status": "Pending", "recorded": "The example assumptions have not been confirmed by Dan or checked against household documents." }, "council": { "status": "Not run", "recorded": "No actual Council result exists for this example." }, "draft": { "status": "Pending", "recorded": "No case-specific adviser draft has been adopted. Any future simulated adviser response must remain visibly separate from Dan’s judgment." }, "review": { "status": "Not run", "recorded": "No actual independent Review has run for this example. No findings or vendor-independence result are being claimed." }, "responses": { "status": "Pending", "recorded": "There are no actual Review findings to answer. No accept, revise or disagree choices have been made." }, "decision": { "status": "Pending Dan", "recorded": "No human adoption, approval or signature has been recorded." }, "retention": { "status": "Not delivered", "recorded": "This public example is a saved educational snapshot. It is not a delivered client recommendation or proof of final case filing." }, "intake": { "status": "Fictional premise", "recorded": "Four original scenario facts are listed below. No client interview or document collection is represented. Additional ages, balances, benefits and support terms in separate modeling remain invented assumptions." } }, "source": { "name": "Original fictional transition premise", "sha256": "9bf1f478380869b179e51fc4edd5c5956e200c24d8b007cbae3de4e1aa3dfeab" }, "conclusion": "No housing, pension, settlement, retirement or investment recommendation has been made for this example." } ] }