The operating file for one household, not a folder of documents, but the index to
how the family's financial life is coordinated. Begin here; each entry summarises one part of the
system and links to the document that holds it in full.
In forceTexas
Household Record · 2026 · illustrative sample
A settled Texas household, no state income or estate tax; the operating file is about titling and asset location, not relocation. Where to begin: the environment in force is Texas; the household is settled where it is. Each artifact below remains authoritative in its own right, the Record is the standing context, not a copy.
The operating-system domains The Bennett Family coordinates in the Texas environment. The full reasoning, how each is read and what opens it, lives in the Atlas.
The decisions the household holds in force today. Each is a live entry in the Decision Register, where it is recorded with its reasoning and never overwritten.
Asset titling for step-up (Estate)
Governing documents
The standing documents that hold the family's operating rules, authored once, referenced here.
Reference, not duplicate. The Household Record is the institutional index and the permanent context for The Bennett Family. Every summary above is a pointer; the linked artifact, the Atlas reasoning, the Crossing Brief, the Registers, the Annual Review, remains the single authoritative source. The Record never re-authors what those documents hold.
State law reflects 2025 tax-year law; last reviewed 2026-07-07. Every classification is a summary of state law; where a primary-source citation has been verified, it is linked on the card.
What changed
2026-07-07, First law-review date and honest per-cell source labeling; primary-source citations verified for Illinois, California, New York, Texas, and Florida (more in progress).
2025, Washington's 7% (+2.9%) excise on long-term capital gains reflected (enacted 2022).
2025, New Hampshire's Interest & Dividends tax reflected as fully repealed, effective 2025.
2025, Illinois estate-tax detail tracks the pending SB 2970 as of the review date.
Illustrative / hypothetical, not a real track record and not advice. The tax-management impact figure is a hypothetical, after-tax result from the retroactive application of a tax-management model to ~30 years of proxy-spliced market data on a single illustrative path; no client capital was invested, and hypothetical performance does not guarantee future results. Intended for sophisticated investors; it may not be relevant to your situation, and your actual figure depends on your own holdings, basis, and bracket. State tax facts reflect tax year 2025 and can change, confirm with a tax advisor. Driftwood Wealth is the private-wealth practice of Alec Messino. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. Alec Messino is a Registered Representative and Financial Advisor of PAS. Driftwood Wealth is not an affiliate or subsidiary of PAS. All figures are illustrative models for educational purposes, not investment, tax, or legal advice, and not a recommendation.
Driftwood. State tax law reflects 2025 tax-year law; last reviewed 2026-07-07. The Household Record indexes the reasoning graph for one household, it authors no facts of its own.