Sample Portfolio Checkup — See the Full Report

Sample Portfolio Checkup — fictional data. Nothing here is saved, no payment is recorded, and this grants no access to a real report.

How the Checkup works

1. Order the Portfolio Checkup
One payment of $499 with no subscription. Your order and access are read from your account, never from a link or this page.
2. Choose where your holdings come from
Use the holdings already saved in your IRA XRay, upload an IRA statement, or type your holdings in manually. You pick exactly one.
3. Answer the guided interview
A structured set of educational questions about the account: IRA type, custodian, purpose, horizon, risk, liquidity, contributions and transfers. Save and come back any time.
4. Review and submit
You see everything you entered, edit anything, give consent, then submit. Nothing is analyzed until you submit.
5. Read your Portfolio Checkup report
The written report is built from the same canonical calculations as your IRA XRay, plus your interview answers. Print it or save it as a PDF.
6. Optional advisor handoff
If you want to talk it through, you can ask for a walkthrough with an advisor from the directory. That only happens with your explicit consent.

Sample case status — Report ready

Interview 100% complete across 9 sections, submitted with consent. Demonstration data only.

Written summary

Deterministic demonstration narrative. This wording is generated by fixed rules from the fictional sample numbers — no AI model was run and no real recommendation is being made.

What this sample account holds

This demonstration account holds 5 funds with a weighted expense ratio of 0.08% across 100% of the balance. The canonical rule set produced 3 findings, 3 of which are material.

How it lines up with the target model

Against the Classic Balanced Portfolio model, the largest gap is 8 percentage points in bonds (none band). Drift is a description of the current mix, not an instruction to trade.

What a real Checkup would discuss

A real Portfolio Checkup walks through cost, overlap, concentration and data quality in the same order as the sections below, then lists questions to raise with a professional. It never tells you what to buy or sell.

IRA RaySee What's Really Inside Your IRA.

Sample IRA — Margaret R. (fictional) — IRA XRay report

Demonstration Traditional IRA used to show the finished Portfolio Checkup

Report generated: 1/15/2026
Data mode: Demonstration data — fictional portfolio
Data as of: 2026-03-31
Target model: Classic Balanced Portfolio
Access: Portfolio Checkup — full report

Demonstration data — fictional portfolio. Demonstration data. The funds, tickers, holdings, costs and ratings on this report are fictional and exist only to illustrate the report. They are not real securities and not investment advice.

Portfolio summary

Portfolio value: $240,000
Funds: 5
Weighted expense ratio: 0.08%
Average Diamond Rating: Not rated
Findings needing attention: 3

Overall alignment — Good alignment

Alignment is 100 minus half the total percentage-point difference between the target model and the look-through allocation. It is a comparison, not a grade.

Current asset allocation versus target

Both charts use the same four categories in the same order — Stocks, Bonds, Cash, Other. Look-through allocation covers 100% of the account.

Current allocation

Stocks56%
Bonds38%
Cash6%
Other0%

Target allocation

Stocks60%
Bonds30%
Cash10%
Other0%

Drift by category

Differences are percentage points (current minus target). Bands: 10 minor, 15 material, 25 large.

Allocation drift by asset class
Category	Target	Current	Drift	Band
Stocks	60%	56%	-4 pp	In band
Bonds	30%	38%	+8 pp	In band
Cash	10%	6%	-4 pp	In band
Other	0%	0%	0 pp	In band

Your holdings

Largest position first. Blank values mean the fund database publishes nothing for that field — we do not estimate.

Holdings detail, largest position first
Ticker	Fund	Value	Weight	Asset class	Expense	Diamond	Alert
NMBLX	Northmark Broad US Equity Index	$96,000	40.0%	Large Blend	0.04%	Not rated	critical
NMAGX	Northmark Total Bond Index	$72,000	30.0%	Intermediate Core Bond	0.05%	Not rated	None
NMINX	Northmark International Developed Index	$40,000	16.7%	Foreign Large Blend	0.08%	Not rated	None
HLSTX	Halyard Short Duration Bond	$24,000	10.0%	Short-Term Bond	0.28%	Not rated	None
NMMMX	Northmark Government Money Market	$8,000	3.3%	Money Market	0.11%	Not rated	None

Fund quality — Diamond Ratings

None of your funds have a published Diamond Rating, so no portfolio average is shown.

Diamond Rating distribution
Rating	Funds	% of value	What it means
5 Diamond	0	0.0%	Highest relative scores within its category.
4 Diamond	0	0.0%	Strong relative results within its category.
3 Diamond	0	0.0%	Competitive within its peer group.
2 Diamond	0	0.0%	Below-average relative results within its category.
1 Diamond	0	0.0%	Lowest relative scores within its category.
Not rated	5	—	No published rating. Excluded from the average.

Diamond Ratings are published by the shared fund database from each fund's own reported results and portfolio characteristics. They are backward-looking and educational — not advice, not a prediction, and not a recommendation to buy or sell any fund.

Fees and cost analysis

Weighted expense ratio

0.08%

Across 100% of your IRA

Annual cost (funds with data)

$182

Based only on funds with published costs

Annual cost

$182

On $240,000 of holdings

Diversification, overlap and concentration

Fund families come from published fund data. Look-through security exposure and fund-to-fund overlap aggregate each fund's published holdings at its portfolio weight.

Largest fund families

Northmark Funds · 4 funds90.0%
Halyard Asset Management · 1 fund10.0%

Largest look-through positions

Arcadia Systems Inc.3.55%
Belmont Semiconductor Corp.2.56%
Cygnet Cloud Holdings2.08%
Meridian Telecom1.89%
Granite Bank Corporation1.64%
US Treasury Note 4.000% 20311.62%
Everline Health Partners1.52%
US Treasury Bond 3.625% 20441.41%
US Treasury Note 4.250% 20291.23%
Federal Agency MBS 5.000% 20541.08%

Published holdings cover 100% of the portfolio.

Fund overlap

NMBLX · HLSTX (6 shared)10%
NMAGX · HLSTX (4 shared)5%
NMBLX · NMAGX (4 shared)5%
HLSTX · NMMMX (1 shared)3%
NMBLX · NMINX (2 shared)2%
NMINX · HLSTX (2 shared)2%

Findings and alerts

Every finding below includes its full explanation.

Concentrated in a single fund
NMBLX is 40.0% of your IRA. Large single-fund positions make your outcome depend heavily on one manager or index.
critical
Top three funds dominate the account
Your three largest funds are 86.7% of the IRA.
critical
90% of your IRA sits with one fund family
Northmark Funds manages 90% of the portfolio across 4 funds. Spreading across managers reduces the impact of any single firm's process or pricing changes.
warning

Suggested next steps

1Review how much of the account depends on one fund, one manager or one underlying company.

Portfolio Checkup — $499

A one-time $499 Portfolio Checkup adds the written explanation of every finding, the complete fund-by-fund table, look-through security exposure and fund overlap. It is educational analysis of the data you entered — not investment advice, and not a recommendation to buy or sell any fund.

Get the Portfolio Checkup What is included

What the sample investor told us

IRA type: Traditional IRA
Custodian or brokerage: Sample Brokerage (fictional)
Other retirement accounts we should know about: A former employer 401(k) still held at the old plan provider.
What is this IRA for?: Retirement income starting at 67, with something left for our children.
Where are you today?: Within a few years of retiring
When will you start drawing on this IRA?: In 5 to 10 years
Which describes you best?: Moderate — a balance of growth and stability
How did you react the last time markets fell sharply?: I stopped opening statements for a few months but did not sell anything.
Are you taking distributions from this IRA?: Planned within the next few years
Required minimum distributions: Starting soon
Cash you expect to need from this IRA in the next 12 months: $12,000
Roughly how much do you add each year?: $7,000
How do you contribute?: Regular monthly amounts
Did any of this come from a 401(k), 403(b) or another IRA?: Most of the balance came from a 401(k) rollover about six years ago.
Is a transfer in progress right now?: Considering one
I understand the Portfolio Checkup does not review my beneficiary designations, and I will confirm them directly with my custodian.: Confirmed
I understand the Portfolio Checkup is educational and does not provide tax advice, and I will speak with a tax professional about tax questions.: Confirmed
What worries you most about this IRA?: I do not know whether my funds all own the same companies, or what I pay in fees.
Questions you want the report to address: Am I too concentrated in one fund family, and is my cash level sensible?

IRA-specific considerations

These are general educational considerations for IRAs, chosen from the answers you gave. They are not tax, legal or investment advice.

Custodian and account structure
Fees, available funds, trading costs and service levels differ by custodian. Knowing which firm holds the account and what it charges is the starting point for any cost conversation.
Beneficiary designations
An IRA passes by beneficiary designation, not by will. Designations are held by the custodian, are not visible to the Portfolio Checkup, and are worth confirming directly after any major life event.
Account consolidation
Several IRAs at several firms make allocation, overlap and cost harder to see. Consolidation can simplify that picture, but it also has practical and tax consequences worth discussing with a professional first.
Required minimum distributions
When distributions are required, the amount you must take each year interacts with how much of the account is in cash and how easily positions can be sold. Cash planning matters more once RMDs begin.
Transfers and rollovers in progress
A transfer in flight can leave money temporarily in cash and out of the market, and direct trustee-to-trustee transfers work differently from a distribution you redeposit yourself. Confirm the mechanics before the money moves.
Withdrawals and sequencing
Money you plan to withdraw soon is exposed to short-term market movement. The size and timing of planned withdrawals is worth reviewing next to how much of the account is in cash and bonds.
Contribution limits and timing
IRA contributions are capped each year and eligibility can depend on income and account type. New contributions are also the least disruptive way to move an allocation over time.
Where an investment is held
The same fund can behave differently for you inside an IRA than in a taxable account. If you hold investments in both, the placement question is worth raising with a tax professional.

Order your own Portfolio Checkup

One payment of $499, no subscription. An advisor sees only what you type into this request. Your holdings, balances, IRA XRay results, Checkup answers and report content are never shared, and IRA XRay creates no new sharing arrangement.

About the Portfolio Checkup Start With a Free IRA XRay

Scope, limits and privacy

· The Portfolio Checkup is educational. It is not investment, tax or legal advice and it is not a recommendation to buy or sell any fund.
· It does not include ongoing management, monitoring, trading, or any guarantee of investment results.
· It reviews only the holdings and answers you provide. It cannot see accounts you do not tell us about.
· Where the shared fund database publishes no value, the report says “Not available” instead of estimating one.
· Portfolio Checkup is a separate one-time product. It is not a Premium membership and buying it does not change your membership.
· Your holdings, answers and report are yours. They are read back only for your own signed-in account.
· Advisors and broker-dealers never see your holdings, balances, IRA XRay results, Checkup answers or report content unless you explicitly authorize a handoff.
· We never ask for account credentials, Social Security numbers, or account numbers.
· An uploaded statement PDF is stored privately in your own folder and is readable only by you.

See a finished Portfolio Checkup