Horizon Demo

9:41

Prototype

Horizon is a work in progress

This app is an early draft for research and feedback. Screens, flows, and content will change as we learn from users and testing.

Good evening, Andrea

Wednesday, May 20, 2026

Net Worth

$2,784,213

Today

+$37,258

YTD Return

+18.3%

Your Insights

Meeting with Sarah Mitchell on …

Review your portfolio summary and updated financial plan to prepare for your upcoming advisor meeting.

Portfolio outpacing the market

Your portfolio is up +1.72% today vs. S&P 500 +0.82% — outperforming by 0.9 points.

Retirement goal on track

At your current pace you'll reach $2.5M by age 65. You're $400K from your target.

Lake House needs attention

You're 61% funded with 3 years to your target date. Consider increasing contributions by $800/mo.

Notifications

Transfer pending

$5,000 to Joint Checking ···5543

Now

2 accounts missing beneficiaries

Brokerage IRA and 529 — Iris need beneficiaries named

Document ready to sign

Investment Policy Statement requires your signature

Today

Go paperless

Enroll in e-delivery to receive statements instantly

Quick actions

View all

To-do 6

See all

Operating cash below target

Strategic Cash CMA ···6614 · $4,800 below $19K target

Interest due

Secured Credit Account ···3302 · $982 due Aug 1

Sign document

New account agreement requires e-signature

Update beneficiary

Roth IRA ···4821 is missing beneficiary info

Go paperless

Enroll new Roth IRA in e-delivery

Goals

See all

Recent Activity

View all

Accounts

All accounts

Today's G/L

+$37,258

+1.34%

YTD Return

+$62,787

+2.3%

Accounts

across 5 goals

Allocation

Invested 85%

Cash 2%

Protected 8%

Other 5%

Net Cash Flow · May

+$14,200

Money In

+$42,500

Money Out

−$28,300

Activity

View all

Pending

Transfer to Joint Checking

Scheduled

−$5,000

Edit

Check Deposit

Processing

+$3,200

Edit

Completed

Bill Pay — Utilities

Completed

−$240

Transfer to Savings

Completed

−$2,000

Check Deposit

Completed

+$850

Markets at a glance

As of 4:00 PM ET

Your portfolio insights

See all

CIO Insight Marc Zabicki · Today

Your portfolio is well-positioned heading into Q3

Strong year-to-date gains reflect a disciplined strategy. A modest rebalance toward fixed income could lock in gains and reduce downside risk.

What's trending

See all

On our radar

View all

Topics

Watchlist

Manage

Market News

See all

Learn

See all

Total Net Worth

$2,784,213

+$37,258 today · +1.34%

Create New Account

Tap to reveal · swipe for cards

Quick actions

Recent Activity

Credit Score

1. Tier 2. Eligibility 3. Review 4. Decision

Before you apply

Cash Management Account funded or in progress I acknowledge tier fee and earn terms (published schedule) I understand card spend draws from my liquidity pool

Annual household income

1. Tier 2. Eligibility 3. Review 4. Decision

Fully digital — no paperwork. Credit decision is immediate for most eligible clients. Data is passed securely to the issuer partner.

1. Tier 2. Eligibility 3. Review 4. Decision

Approved

$25,000

Credit line

18.49%

Variable APR

Your virtual card is ready now. Physical metal card with advisor branding ships in 5–7 business days.

Get started checklist

Payment amount

Minimum due

Recommended

Statement

Pay in full

Pay from

Payments from CMA restore available credit immediately

Card spend draws from your liquidity pool. This payment returns funds to your available credit line.

Payment Submitted

Confirmation Number

Amount paid

New balance

Your available credit will be restored immediately. Payment sourced from Cash Management Account.

Upcoming

Last Payment

Payment amount

Payment date

Recurring?

One-time

Repeating

Frequency

Pay from

Automatic payments

Never miss a due date

Payment amount

Frequency

Pay from

Next scheduled payment Aug 28, 2027

AutoPay runs automatically based on your frequency preference. LPL CMA is prioritized as the payment source per Liquidity Management rules.

Card purchases, ATM withdrawals, checks, and electronic payments draw from your liquidity pool in this order. Set with your advisor under Liquidity Management.

Funding waterfall

Secured Credit Account draws are for certain payment types only — not everyday card spend. SCA is not a credit card substitute.

$847.32

Earned YTD

$38.23

Pending

$809.09

Swept to date

$449

Credits used

Rewards tier

Auto-sweep each month

Set once — rewards post automatically

Post rewards to

Cash Management Account

Investable cash

Statement Credits & Benefits

What's the issue?

I didn't authorize this

Fraudulent charge or stolen card

Didn't receive item or service

Paid but never received what was promised

Charged wrong amount

Amount differs from receipt or quote

Duplicate charge

Charged multiple times for same purchase

Product/service not as described

Item quality or service didn't match description

Canceled but still charged

Subscription or order was canceled

Other issue

Something else went wrong

Tell us more

Please provide any additional details about the issue. Include dates, amounts, and any communication with the merchant.

Have you contacted the merchant?

Dispute Summary

By submitting this dispute, you confirm the information provided is accurate. We'll investigate and respond within 10 business days. A provisional credit may be issued while we review.

Dispute Submitted

We've received your dispute and will investigate. You'll receive updates via email and in-app notifications.

Reference Number

DSP-2027-847291

What happens next?
We'll review your dispute within 10 business days. If eligible, a provisional credit will be applied to your account while we investigate.

Add your advisor-branded card ending in 4821 to pay in stores, apps, and online.

Apple Wallet

iPhone 15 Pro · Added Jul 12, 2027

Added

Google Wallet

Not yet added on this device

Generate secure virtual card numbers for online purchases. Each virtual card is linked to your account but uses a unique number to protect your actual card details.

Active Virtual Cards

Create New Virtual Card

Active cards

Created this year

Virtual cards are funded from your liquidity pool just like your physical card. Transactions appear on your statement with the virtual card's last 4 digits.

Payment due reminders

Large purchase alerts

International transactions

Rewards posted

Dispute status updates

By category

Aggregated insights support liquidity planning with your advisor. Share settings managed separately in ClientWorks consent tools.

Your advisor-ordered LPL Debit card is ready to activate. Once activated, add it to your digital wallet and start using ATM access with rebate eligibility.

Last 4 digits

Expiration date

Unlimited domestic ATM access worldwide with rebate eligibility. Withdrawals draw from your liquidity pool — CMA first.

Fees this month

$24

Rebated YTD

Recent ATM withdrawals

Credit cards can also access ATM cash from your liquidity pool. International ATM fee rebate is TBD for a future phase.

Order a new metal card with your advisor's branding. Your current card remains active until you activate the replacement.

Reason

Shipping address

Reporting lost or stolen permanently deactivates this card. A replacement will be mailed within 5–7 business days. You do not need to contact your advisor's office.

What happened?

Card lost Card stolen Card damaged

When did this occur?

Monthly statements are available for the past 24 months. Tap to view or download PDF.

Paperless statements

Receive statements electronically only

782

VantageScore 3.0

300 Very Good 850

Updated Jul 15, 2027

Score factors

Your score is updated monthly and does not affect your credit. Provided by TransUnion.

Payments & Billing

Card & Account

Security & Travel

Card Services

Common topics

Let us know before you travel so your card isn't declined. Notifications cover all your LPL cards.

Active travel plans

Add travel plan

Destination

Departure

Return

No foreign transaction fees on any LPL card. Travel notifications help prevent fraud-related declines when using your card abroad.

Payments from CMA restore available credit immediately. All payments are processed through your liquidity pool.

Andrea Whitaker

Primary Account Holder

Account

Household

4 members · Whitaker Household

Personal Information

andrea.whitaker@email.com · on file

Security & Login

Passkey · 2FA enabled

Statements & Documents

Search your document vault

Paperless & Notifications

6 of 8 paperless · Notifications on

Advisor

Sarah Mitchell

Financial Advisor · LPL Financial

Message

Schedule a Meeting

Payments & Billing

Autopay

From Cash Management Account

Statements

Monthly statements & downloads

Payment history

Past payments & confirmations

Card & Account

Compare tiers & apply

Premier vs Everyday

Liquidity funding

CMA → HYS → SCA → CDs & bonds

Credit score

VantageScore 3.0 · Updated monthly

Spending insights

Categories and cash-flow

Security & Travel

Alerts & notifications

Payments, fraud, rewards

Travel notifications

Set travel plans to avoid declines

Card Services

Replace card

New or damaged plastic

Help & support

Chat, call, or message us

Support

Help Center

Sign Out

Home

Accounts

Move Money

Cards

Discover

Cyan

Goals

Goals — Overall

—

Add a goal

Balance Sheet

Whitaker Household

$2,701,063

Includes LPL & linked accounts

Linked accounts

of 11 total

Documents

Whitaker Household

—

Statements, tax forms & agreements

Notifications

E-delivery enrollment

—

accounts enrolled in e-delivery

Personal Info

Primary account holder

Andrea Whitaker

Last reviewed Jan 8, 2025

Activity

—

Activity

All Accounts

Primary Brokerage

Brokerage IRA

CMA

529 — Iris

Tahoe

This Month

Today

This Week

YTD

Custom

Notifications

Mark all read

Operating cash below target

Strategic Cash CMA · ···6614 is at $14,200 — $4,800 below your $19,000 target. Move reserve from High Yield Savings to restore operating cash.

Today

Interest due

Secured Credit Account · ···3302 — $982 monthly interest is due Aug 1. Pay now to avoid additional accrual.

Today

New document ready to sign

Your new account agreement requires your e-signature before trading can begin.

Just now

Account needs attention

Roth IRA · ···4821 — your beneficiary information is missing. Update to ensure your assets are protected.

2h ago

Utilization threshold exceeded

Secured Credit Account · ···3302 reached 78% utilization on May 28. Consider paying down your balance to restore borrowing capacity.

2 weeks ago

Confirm paperless for new account

Go paperless on your new Roth IRA to receive statements and confirmations digitally.

Today

New

Buy order filled

10 shares of AAPL purchased at $213.40 · Primary Brokerage ···3812.

Just now

Order pending advisor review

Buy 15 shares MSFT submitted — awaiting Sarah Mitchell's approval before release to custodian.

1h ago

Sell order received

Sell 5 shares TSLA · processing, expected to execute at market open.

2h ago

Transfer pending

$5,000 outbound transfer to Joint Checking ···5543 is processing. Expected 1–2 business days.

3h ago

Draw processed

$10,000 draw to Joint Checking ···5543 from Secured Credit Account ···3302 has been processed.

4h ago

Payment processed

$5,000 payment from Joint Checking ···5543 was applied to Secured Credit Account ···3302.

5h ago

Earlier

Interest posted

$982 monthly interest was posted to Secured Credit Account ···3302.

Material changes in borrowing capacity

Available borrowing capacity updated to $350,000 based on collateral changes in Primary Brokerage ···4821.

April statement ready

Your April monthly account statement is available to view.

Trade confirmation

Purchase of 12 shares NVDA at $847.20 confirmed in Primary Brokerage ···3812.

Address updated

Your mailing address was successfully updated across all accounts.

Dividend received

$143.28 dividend from VTSAX was credited to your Traditional IRA ···2204.

Tax document available

Your 1099-DIV for tax year 2025 is ready to download from your document vault.

Feb 14

Sarah Mitchell

Hi Andrea, I reviewed your Lake House goal and wanted to share a few options to get back on track…

10:24 AM

Jennifer Patel

Your beneficiary form has been received. We'll process it within 2 business days.

Yesterday

Sarah Mitchell

Great meeting last week! I've attached the updated financial plan for your review.

Jennifer Patel

Reminder: your annual review is scheduled for May 28 at 10 AM. Let me know if you need to reschedule.

Sarah Mitchell

Your Financial Advisor · Appleseed

Hi Andrea! Just wanted to check in ahead of our review next week. I've been looking at your Lake House goal — you're at 61% funded with about 3 years to your target date.

Hi Sarah, yes I've been meaning to ask about that. What are our options?

Great question. A few paths: (1) increase monthly contributions by ~$800, (2) extend the target date to 2030, or (3) adjust the goal amount. Happy to model all three before we meet.

Hi Andrea, I reviewed your Lake House goal and wanted to share a few options to get back on track…

Today · 10:24 AM

Jennifer Patel

Client Admin · Appleseed

Hi Jennifer, I submitted the beneficiary form earlier today — just wanted to confirm you received it.

Yesterday · 2:15 PM

Your beneficiary form has been received. We'll process it within 2 business days and send a confirmation to your email on file.

Yesterday · 3:40 PM

Linked Accounts

Market

As of 4:00 PM ET

—

Bill Pay

Pay your bills, your way

Due in 30 Days

$5,843

Due This Week

2 · $229

Upcoming

4 · $5,614

Activity

View all

Pending

ComEd

Scheduled May 28

−$142

Edit

Peoples Gas

Scheduled May 30

−$87

Edit

Completed

Comcast Xfinity

Completed May 14

−$189

AT&T Wireless

Completed May 9

−$78

ComEd

Completed Apr 28

−$135

Pay a Bill

Choose a biller to pay

Linked Billers

Pay a Bill

ComEd · Electric · ···4821

Pay From

LPL | Strategic Cash

Andrea Ellison

••••-6614

$14,200

Amount

Suggested amount: $142.00

Frequency

Pay Date

Payments to this biller typically post in 1–2 business days. We'll send via the fastest available rail with no fee.

Review Payment

Confirm details before submitting

ComEd

Electric · ···4821

$142.00

Total

Pay From LPL Strategic Cash ····-6614

Payment Type One-time

Pay Date Today · May 27

Delivery Posts in 1–2 business days

Fee $0.00

Heads up. Once submitted, this payment cannot be cancelled after funds are reserved. You'll receive a confirmation when it posts.

Payment Status

Confirmation BP-2026-0428

Payment Scheduled

Your payment of $142 to ComEd has been scheduled for today and will post in 1–2 business days.

Status Scheduled

From LPL Strategic Cash ····-6614

Total $142.00

Pay Date Today · May 27

Payment Tracker

Submitted

Payment request captured

Done

Funds Reserved

Holding from ···6614

In progress

Posted to Biller

Estimated 1–2 business days

Add a Biller

Search our directory of payees

Popular Billers

Add a Biller

Electric Utility

ComEd

Electric Utility

Account Number

From your most recent statement.

Nickname (optional)

Default Pay-From

LPL | Strategic Cash

Andrea Ellison

••••-6614

$14,200

Autopay

Pay automatically when bills arrive. You can change this later.

By adding this biller, you authorize LPL to send payments on your behalf to the address on file. You can remove this biller anytime in Bill Pay settings.

Pay by Check

For payees not in our directory

Last resort. Use this for people or local services that don't accept electronic payments. We'll mail a check on your behalf.

Payee Name

Memo / Account #

Street Address

City

State

ZIP

Biller Status

New Biller

Biller Added

ComEd is now linked to your account and ready to pay. You can schedule a payment now or set up autopay anytime.

What's next

Biller Linked

Saved to your payee list

Done

Schedule First Payment

Pay now or set up autopay anytime

Auto Transfer

Let your money move itself

Create a rule

Rules run automatically — on each incoming deposit, or on the schedule you choose. You can pause or edit any rule anytime.

Redirect Incoming Funds

Auto-move deposits to another account

When funds arrive in

LPL | Strategic Cash

Andrea Ellison

••••-6614

$14,200

Move

Percentage to move

The rest stays in the account on each deposit.

Send to

LPL | Savings — Tahoe

Andrea & Marcus

••••-8801

$366,204

Runs in real time — each deposit is swept to your chosen account automatically. Internal transfers count as incoming funds.

Maintain a Balance

Keep an account within a set range

Keep this account balanced

LPL | Strategic Cash

Andrea Ellison

••••-6614

$14,200

Rule

Minimum balance

Top up from the supporting account if it drops below this.

Maximum balance

Sweep anything above this into the supporting account.

Supporting account

LPL | Savings — Tahoe

Andrea & Marcus

••••-8801

$366,204

Checked daily. We'll add or move funds only when the balance falls outside your range.

Distribute to Accounts

Split funds across accounts

From

LPL | Strategic Cash

Andrea Ellison

••••-6614

$14,200

Run this rule

Split into

LPL | Savings — Tahoe

••••-8801

LPL | 529 — Iris

••••-1104

LPL | Primary Brokerage

••••-4821

Allocations total 100%. Each deposit is split automatically the moment it lands.

Auto Transfer Rules

View, pause & edit your rules

Active

Redirect deposits → Savings

100% of incoming · Strategic Cash

Active Edit

Keep Strategic Cash ≥ $25k

Top up from Savings — Tahoe

Active Edit

Paused

Profit-first split

50 / 30 / 20 across 3 accounts

Paused Edit

Rule Active

Auto transfer is now running

Rule Created

Your auto transfer rule is now active and will run automatically.

Status Active

Rule Redirect incoming funds

Runs In real time

You can pause or edit this rule anytime from View & edit existing rules.

Start a Transfer

Move money between accounts

From

Amount

Method

When

Select Account

Link a Bank Account

Select your institution

Popular institutions

Phone number

Your credentials are encrypted and used only to verify the accounts you choose to link. LPL Financial never stores your bank login. You can disconnect this institution at any time in Settings.

Enter the 6-digit code we sent to your phone to verify it's you.

Didn't get it?

Retrieving your accounts

Securely connecting to your bank. This usually only takes a few seconds.

Select accounts to link

By linking these accounts you authorize LPL Financial to verify them and move funds between them and your LPL accounts. You can remove any connection at any time in Settings.

Account number

Routing number

••• ••• ••• Pre-filled from your institution

By adding this bank account you authorize LPL Financial to verify and move funds between this account and your LPL accounts. Standard ACH return rules apply, and you can remove this connection at any time in Settings.

Sign to authorize

Draw your signature with your finger or mouse above.

Account Linked

Research

Research securities

Explore holdings, screeners, and market insights

Browse

ETFs

Dividend stocks

Bonds

Market outlook

Sector reports

Your Holdings

LPL Research

Q2 2026 Market Outlook

Macro themes, rate expectations, and sector positioning for the second half of the year.

Technology concentration review

How NVDA and mega-cap growth names affect diversified portfolios at current weightings.

Portfolio Insights · Today

Income strategies in a higher-rate environment

Evaluating dividend ETFs, bond ladders, and cash alternatives for yield-focused investors.

Trade

Find a security

Look up a stock, ETF, or fund to trade

Recent & Watchlist

AAPL

NVDA

BRK.B

SPY

VTSAX

Results

AAPL

Apple Inc.

NASDAQ · Common stock

$213.42

+1.18% today

NVDA

NVIDIA Corp.

NASDAQ · Common stock

$137.61

+0.82% today

SPY

SPDR S&P 500 ETF

NYSE Arca · ETF

$625.14

−0.12% today

Quote

AAPL

Apple Inc. · NASDAQ

Tradable

$213.42

+$2.49 · +1.18% today

Your Position

Shares owned 12 shares

Market value $2,561.04

Avg cost basis $182.00

Unrealized G/L +$377.04 · +17.3%

Account Primary Brokerage ···3812

Key Statistics

Open

$211.80

Prev Close

$210.93

Day's High

$214.18

Day's Low

$210.45

52W High

$237.23

52W Low

$164.08

Volume

48.2M

Avg Volume

55.6M

Mkt Cap

$3.21T

P/E Ratio

32.4

Fwd P/E

28.7

EPS (TTM)

$6.59

Div Yield

0.44%

Beta

1.24

Shares Out

15.1B

Analyst Ratings

Buy 28 Hold 9 Sell 3

BuyHoldSell

Consensus

Strong Buy

12-mo price target

$248.00 +16.2%

About Apple Inc.

Apple designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories. Its flagship products include iPhone, Mac, iPad, and Apple Watch, supported by a growing services segment including the App Store, Apple Music, and iCloud.

Sector Technology

Industry Consumer Electronics

CEO Tim Cook

Employees 161,000

Exchange NASDAQ · Common Stock